Document:

This Agreement,  which is effective May 11, 2000 is between Dream  Technologies,
LLC, a Delaware limited liability company (Dream),  MedCard Management  Systems,
Inc., a New York corporation (MedCard) and MedCom USA, Incorporated,  a Delaware
corporation (MedCom).

1. This Agreement is a modification to the Exclusive License Agreement (License)
   between the above parties dated November 10, 1998.
2.   The original  Exclusive  License  Agreement was between Dream,  MedCard and
     Sims  Communications,  Inc.  (Sims).  Sims changed its named to MedCom USA,
     Incorporated in October 1999.
3. Dream  owns all  right,  title and  interest  in all  computer  programs  and
   associated documentation (the Programs) as identified in the License.
4.   Dream  desires  to sell and  MedCom  desires  to  purchase  all  rights and
     interests to the Programs.
5. As part of this  transaction,  Dream and MedCard hereby assign all contracts,
   licenses and agreements  pertaining to the use, sale, marketing and operation
   of the MedCard System to MedCom,  including but not limited to all agreements
   with independent sales organizations,  (i.e. Concord EFS), all agreements for
   the  processing of claims and benefits  (i.e.  Envoy and NDC),  all marketing
   agreements and all other pertinent agreements.
6. MedCard  and Dream  hereby  assign  all  rights  and  ownership  to all other
   properties  covered  under the  License,  including,  but not  limited to all
   trademarks,  trade names, trade secrets,  know-how and all other confidential
   information.
7. MedCom shall pay to Dream 100,000 shares of its restricted common stock and a
   three-year  warrant to purchase  400,000  shares of its common stock at $3.57
   per share, in consideration for transferring all rights of ownership referred
   to above.
8. The royalty provisions  (Section 10) of the License shall remain in force for
   the same  duration  as they would  have had the  license  continued  to be in
   effect, except for Paragraph 10.7 which is hereby rescinded. .
9.   MedCom agrees to offer standard employment agreements to Mr. Ronald Pizzolo
     and Mr. Anthony  Pizzolo to provide at least the same level of compensation
     for at least the same term as required under Paragraph 10.8 of the License.
     Paragraph 10.8 is thereafter rescinded.
10.  All  indemnifications,  representations  and  warranties in the License are
     hereby reaffirmed and shall remain in full force and effect.
11.  This Agreement  supersedes the Exclusive License Agreement  Amendment dated
     April 28, 2000. That Agreement is considered to be null and void.
12.  All of the  provisions of Paragraph 14.2 of the License  (jurisdiction  and
     disputes) shall apply to this Agreement.
13.Each of the  parties  to this  Agreement  acknowledge  that  they  each  have
   carefully read and reviewed this  Agreement,  with their legal counsel to the
   extent  they  considered  necessary,  and  therefore  agree  that the rule of
   construction  that ambiguities  shall be construed against the drafter of the
   document shall not be applicable.

In witness  whereof,  the parties  hereto have executed this Agreement as of the
date shown above:

MedCom USA Incorporated:            Dream Technologies, LLC and
                                    MedCard Mangement Systems, Inc.

      Michael Malet                 Ronald Pizzolo

      Date                          Date

                                    Anthony Pizzolo

                                    DateWORLDWIDEWEB INSTITUTE.COM, INC.

                             1999 STOCK OPTION PLAN
                             ----------------------

         1. Grant of  Options;  Generally.  In  accordance  with the  provisions
hereinafter  set  forth  in this  stock  option  plan,  the name of which is the
WorldWideWeb Institute.com,  Inc. 1999 Stock Option Plan (the "Plan"), the Board
of Directors  (the "Board") or, the  Compensation  Committee  (the "Stock Option
Committee") of WorldWideWeb  Institute.com,  Inc. (the  "Corporation") is hereby
authorized to issue from time to time on the Corporation's  behalf to any one or
more Eligible Persons, as hereinafter defined,  options to acquire shares of the
Corporation's no par value common stock (the "Stock").

         2.  Type of  Options.  The  Board  or the  Stock  Option  Committee  is
authorized to issue Incentive Stock Options ("ISOs") which meet the requirements
of Section ss.422 of the Internal Revenue Code of 1986, as amended (the "Code"),
which options are hereinafter referred to collectively as ISOs, or singularly as
an ISO. The Board or the Stock  Option  Committee  is also,  in its  discretion,
authorized to issue options  which are not ISOs,  which options are  hereinafter
referred to collectively as Non Statutory Options ("NSOs"),  or singularly as an
NSO. The Board or the Stock Option Committee is also authorized to issue "Reload
Options" in accordance  with Paragraph 8 herein,  which options are  hereinafter
referred to collectively  as Reload  Options,  or singularly as a Reload Option.
Except  where the  context  indicates  to the  contrary,  the term  "Option"  or
"Options" means ISOs, NSOs and Reload Options.

         3. Amount of Stock.  The aggregate  number of shares of Stock which may
be purchased  pursuant to the exercise of Options  shall be 850,000  shares.  Of
this amount,  the Board or the Stock Option  Committee  shall have the power and
authority  to  designate  whether any  Options so issued  shall be ISOs or NSOs,
subject to the  restrictions on ISOs contained  elsewhere  herein.  If an Option
ceases to be  exercisable,  in whole or in part, the shares of Stock  underlying
such Option shall continue to be available under this Plan.  Further,  if shares
of Stock  are  delivered  to the  Corporation  as  payment  for  shares of Stock
purchased by the exercise of an Option  granted under this Plan,  such shares of
Stock  shall also be  available  under this Plan.  If there is any change in the
number  of  shares  of  Stock  due to of the  declaration  of  stock  dividends,
recapitalization  resulting in stock split-ups,  or combinations or exchanges of
shares of Stock,  or  otherwise,  the  number of shares of Stock  available  for
purchase upon the exercise of Options, the shares of Stock subject to any Option
and the exercise price of any outstanding Option shall be appropriately adjusted
by the  Board or the Stock  Option  Committee.  The  Board or the  Stock  Option
Committee  shall give notice of any  adjustments to each Eligible Person granted
an Option under this Plan, and such  adjustments  shall be effective and binding
on  all  Eligible  Persons.  If  because  of  one  or  more   recapitalizations,
reorganizations  or other  corporate  events,  the holders of outstanding  Stock
receive  something  other than shares of Stock then, upon exercise of an Option,
the Eligible  Person will receive what the holder would have owned if the holder
had exercised the Option  immediately  before the first such corporate event and
not disposed of anything the holder received as a result of the corporate event.

                                        1

<PAGE>

         4. Eligible Persons.

         (a) With respect to ISOs, an Eligible  Person means any  individual who
has been employed by the  Corporation or by any  subsidiary of the  Corporation,
for a continuous period of at least sixty (60) days.

         (b) With respect to NSOs, an Eligible  Person means (i) any  individual
who  has  been  employed  by  the  Corporation  or  by  any  subsidiary  of  the
Corporation,  for a  continuous  period of at least  sixty (60)  days,  (ii) any
director of the  Corporation or any  subsidiary of the  Corporation or (iii) any
consultant of the Corporation or any subsidiary of the Corporation.

         5. Grant of Options.  The Board or the Stock Option  Committee  has the
right to issue the Options  established  by this Plan to Eligible  Persons.  The
Board or the Stock Option  Committee shall follow the procedures  prescribed for
it elsewhere  in this Plan.  A grant of Options  shall be set forth in a writing
signed on behalf of the Corporation or by a majority of the members of the Stock
Option Committee. The writing shall identify whether the Option being granted is
an ISO or an NSO and shall set forth the terms  which  govern  the  Option.  The
terms shall be  determined by the Board or the Stock Option  Committee,  and may
include,  among other terms,  the number of shares of Stock that may be acquired
pursuant to the exercise of the Options, when the Options may be exercised,  the
period for which the Option is granted and including the  expiration  date,  the
effect on the Options if the Eligible Person  terminates  employment and whether
the Eligible  Person may deliver  shares of Stock to pay for the shares of Stock
to be  purchased by the  exercise of the Option.  However,  no term shall be set
forth in the writing which is  inconsistent  with any of the terms of this Plan.
The terms of an Option  granted to an Eligible  Person may differ from the terms
of an Option granted to another Eligible  Person,  and may differ from the terms
of an earlier Option granted to the same Eligible Person.

         6. Option Price.  The option price per share shall be determined by the
Board or the Stock Option Committee at the time any Option is granted, and shall
be not less than (i) in the case of an ISO, the fair market  value,  (ii) in the
case of an ISO granted to a ten percent or greater  stockholder,  110 percent of
the fair market value,  or (iii) in the case of an NSO, not less than 55% of the
fair  market  value  (but in no event  less than the par  value) of one share of
Stock on the date the Option is granted, as determined by the Board or the Stock
Option Committee. Fair market value as used herein shall be:

         7.  (a)  If  shares  of  Stock  shall  be  traded  on  an  exchange  or
over-the-counter market, the mean between the high and low sales prices of Stock
on such  exchange or  over-the-  counter  market on which such  shares  shall be
traded on that date, or if such exchange or over-the-  counter  market is closed
or if no shares shall have traded on such date,  on the last  preceding  date on
which such shares shall have traded.

                                        2

<PAGE>

         (b)  If  shares  of  Stock  shall  not  be  traded  on an  exchange  or
over-the-counter  market,  the value as determined by a recognized  appraiser as
selected by the Board or the Stock Option Committee.

         8.  Purchase of Shares.  An Option  shall be exercised by the tender to
the  Corporation  of the full purchase  price of the Stock with respect to which
the Option is exercised and written  notice of the exercise.  The purchase price
of the  Stock  shall be in  United  States  dollars,  payable  in  cash,  check,
Promissory  Note secured by the Shares  issued  through  exercise of the related
Options,  or in property or Corporation  stock,  if so permitted by the Board or
the  Stock  Option  Committee  in  accordance  with the  discretion  granted  in
Paragraph 5 hereof, having a value equal to such purchase price. The Corporation
shall not be required to issue or deliver any  certificates  for shares of Stock
purchased  upon the  exercise  of an  Option  prior to (i) if  requested  by the
Corporation,  the  filing  with the  Corporation  by the  Eligible  Person  of a
representation  in  writing  that  it is  the  Eligible  Person's  then  present
intention  to acquire  the Stock  being  purchased  for  investment  and not for
resale, and/or (ii) the completion of any registration or other qualification of
such shares under any government  regulatory body,  which the Corporation  shall
determine to be necessary or advisable.

         9. Grant of Reload Options.  In granting an Option under this Plan, the
Board or the Stock Option  Committee  may, in its  discretion,  include a Reload
Option provision  therein,  subject to the provisions set forth in Paragraphs 20
and 21 herein.  A Reload Option  provision  provides that if the Eligible Person
pays the exercise price of shares of Stock to be purchased by the exercise of an
ISO, NSO or another Reload Option (the  "Original  Option") by delivering to the
Corporation  shares of Stock already owned by the Eligible Person (the "Tendered
Shares"), the Eligible Person shall receive a Reload Option which shall be a new
Option to purchase shares of Stock equal in number to the tendered  shares.  The
terms of any Reload  Option shall be determined by the Board or the Stock Option
Committee consistent with the provisions of this Plan.

         10. Stock Option Committee. The Stock Option Committee may be appointed
from time to time by the  Corporation's  Board of Directors.  The Board may from
time to time remove  members from or add members to the Stock Option  Committee.
The Stock  Option  Committee  shall be  constituted  so as to permit the Plan to
comply in all respects with the provisions set forth in Paragraph 20 herein. The
members  of the Stock  Option  Committee  may elect  one of its  members  as its
chairman.  The Stock Option  Committee shall hold its meetings at such times and
places  as  its  chairman  shall  determine.  A  majority  of the  Stock  Option
Committee's  members  present  in  person  shall  constitute  a  quorum  for the
transaction of business.  All  determinations of the Stock Option Committee will
be made by the majority vote of the members constituting the quorum. The members
may  participate  in a  meeting  of the Stock  Option  Committee  by  conference
telephone  or similar  communications  equipment  by means of which all  members
participating in the meeting can hear each other.  Participation in a meeting in
that manner will constitute  presence in person at the meeting.  Any decision or
determination  reduced to writing and signed by all members of the Stock  Option
Committee  will be  effective  as if it had been made by a majority  vote of all
members of the Stock  Option  Committee  at a meeting  which is duly  called and
held.

                                        3

<PAGE>

         11.  Administration  of Plan.  In addition  to granting  Options and to
exercising the authority  granted to it elsewhere in this Plan, the Board or the
Stock Option  Committee is granted the full right and authority to interpret and
construe the  provisions of this Plan,  promulgate,  amend and rescind rules and
procedures  relating  to the  implementation  of the Plan and to make all  other
determinations  necessary  or  advisable  for the  administration  of the  Plan,
consistent,  however, with the intent of the Corporation that Options granted or
awarded  pursuant to the Plan comply with the  provisions of Paragraph 20 and 21
herein. All determinations made by the Board or the Stock Option Committee shall
be final,  binding and conclusive on all persons  including the Eligible Person,
the  Corporation  and its  stockholders,  employees,  officers and directors and
consultants. No member of the Board or the Stock Option Committee will be liable
for any act or  omission  in  connection  with the  administration  of this Plan
unless it is attributable to that member's willful misconduct.

         12. Provisions Applicable to ISOs. The following provisions shall apply
to all  ISOs  granted  by the  Board  or the  Stock  Option  Committee  and  are
incorporated by reference into any writing granting an ISO:

         (a) An ISO may only be granted within ten (10) years from July 1, 1999,
the date that this Plan was  originally  adopted by the  Corporation's  Board of
Directors.

         (b) An ISO may not be exercised  after the expiration of ten (10) years
from the date the ISO is granted.

         (c) The option  price may not be less than the fair market value of the
Stock at the time the ISO is granted.

         (d) An ISO is not  transferrable  by the Eligible  Person to whom it is
granted  except  by  will,  or the  laws of  descent  and  distribution,  and is
exercisable during his or her lifetime only by the Eligible Person.

         (e) If the Eligible  Person  receiving  the ISO owns at the time of the
grant stock  possessing more than ten (10%) percent of the total combined voting
power of all classes of stock of the  employer  corporation  or of its parent or
subsidiary corporation (as those terms are defined in the Code), then the option
price shall be at least 110% of the fair market value of the Stock,  and the ISO
shall not be  exercisable  after the  expiration of five (5) years from the date
the ISO is granted.

         (f) The aggregate fair market value  (determined at the time the ISO is
granted) of the Stock with respect to which the ISO is first  exercisable by the
Eligible  Person  during  any  calendar  year  (under  this  Plan and any  other
incentive stock option plan of the Corporation) shall not exceed $100,000.

                                        4

<PAGE>

         (g) Even if the shares of Stock  which are issued  upon  exercise of an
ISO are sold within one year following the exercise of such ISO so that the sale
constitutes a  disqualifying  disposition  for ISO treatment  under the Code, no
provision of this Plan shall be construed as prohibiting such a sale.

         (h) This Plan was adopted by the Corporation on July 1, 1999, by virtue
of its approval by the  Corporation's  Board of Directors  and a majority of the
vote of the  shareholders  of the Company holding 50% or more of the outstanding
capital stock of the Company. [TO BE DISCUSSED]

         13.  Determination  of Fair Market  Value.  In granting ISOs under this
Plan,  the  Board  or the  Stock  Option  Committee  shall  make  a  good  faith
determination  as to the fair market  value of the Stock at the time of granting
the ISO.

         14.  Restrictions on Issuance of Stock.  The  Corporation  shall not be
obligated  to sell or issue any shares of Stock  pursuant to the  exercise of an
Option  unless the Stock with respect to which the Option is being  exercised is
at that time  effectively  registered  or  exempt  from  registration  under the
Securities Act of 1933, as amended,  and any other  applicable  laws,  rules and
regulations.  The Corporation may condition the exercise of an Option granted in
accordance  herewith  upon  receipt  from  the  Eligible  Person,  or any  other
purchaser thereof, of a written representation that at the time of such exercise
it is his or her then  present  intention  to  acquire  the  shares of Stock for
investment  and  not  with a view  to,  or for  sale  in  connection  with,  any
distribution  thereof;  except that, in the case of a legal representative of an
Eligible Person, "distribution" shall be defined to exclude distribution by will
or under the laws of descent  and  distribution.  Prior to issuing any shares of
Stock  pursuant to the exercise of an Option,  the  Corporation  shall take such
steps as it deems necessary to satisfy any  withholding tax obligations  imposed
upon it by any level of government.

         15. Exercise in the Event of Death of Termination or Employment.

         (a) If an optionee  shall die (i) while an employee of the  Corporation
or a Subsidiary or (ii) within three months after  termination of his employment
with the Corporation or a Subsidiary because of his disability, or retirement or
otherwise,  his Options may be exercised,  to the extent that the optionee shall
have  been  entitled  to do so on the date of his death or such  termination  of
employment,  by the  person or persons to whom the  optionee's  right  under the
Option pass by will or applicable  law, or if no such person has such right,  by
his executors or administrators, at any time, or from time to time. In the event
of termination  of employment  because of his death while an employee or because
of disability,  his Options may be exercised not later than the expiration  date
specified in Paragraph 5 or one year after the optionee's death,  whichever date
is earlier,  or in the event of termination of employment  because of retirement
or otherwise, not later than the expiration date specified in Paragraph 5 hereof
or one year after the optionee's death, whichever date is earlier.

                                        5

<PAGE>

         (b) If an  optionee's  employment  by the  Corporation  or a Subsidiary
shall terminate  because of his disability and such optionee has not died within
the following three months,  he may exercise his Options,  to the extent that he
shall  have  been  entitled  to do so at  the  date  of the  termination  of his
employment, at any time, or from time to time, but not later than the expiration
date  specified  in  Paragraph  5  hereof  or  one  year  after  termination  of
employment, whichever date is earlier.

         (c) If an  optionee's  employment  shall  terminate  by  reason  of his
retirement  in  accordance  with the  terms of the  Corporation's  tax-qualified
retirement  plans if any, or with the  consent of the Board or the Stock  Option
Committee  or  involuntarily  other  than by  termination  for  cause,  and such
optionee has not died within the  following  three  months,  he may exercise his
Option to the  extent he shall  have been  entitled  to do so at the date of the
termination of his employment,  at any time and from to time, but not later than
the  expiration  date  specified in Paragraph 5 hereof or thirty (30) days after
termination  of  employment,  whichever  date is earlier.  For  purposes of this
Paragraph 14,  termination  for cause shall mean; (i)  termination of employment
for cause as  defined  in the  optionee's  Employment  Agreement  or (ii) in the
absence of an Employment  Agreement for the optionee,  termination of employment
by reason of the optionee's  commission of a felony, fraud or willful misconduct
which has resulted,  or is likely to result,  in substantial and material damage
to the  Corporation  or a  Subsidiary,  all as the  Board  or the  Stock  Option
Committee in its sole discretion may determine.

         (d) If an optionee's  employment  shall  terminate for any reason other
than death,  disability,  retirement  or  otherwise,  all right to exercise  his
Option shall  terminate at the date of such  termination  of  employment  absent
specific provisions in the optionee's Option Agreement.

         16.  Corporate  Events.  In the event of the  proposed  dissolution  or
liquidation of the Corporation,  a proposed sale of all or substantially  all of
the assets of the Corporation,  a merger or tender for the Corporation's  shares
of Common  Stock the Board of  Directors  may declare  that each Option  granted
under  this  Plan  shall  terminate  as of a date to be  fixed  by the  Board of
Directors;  provided  that not less than thirty (30) days written  notice of the
date so fixed shall be given to each Eligible Person holding an Option, and each
such Eligible Person shall have the right, during the period of thirty (30) days
preceding such termination,  to exercise his Option as to all or any part of the
shares of Stock  covered  thereby,  including  shares of Stock as to which  such
Option would not otherwise be exercisable. Nothing set forth herein shall extend
the term set for purchasing the shares of Stock set forth in the Option.

         17. No Guarantee of Employment.  Nothing in this Plan or in any writing
granting an Option will confer upon any Eligible Person the right to continue in
the employ of the Eligible Person's employer, or will interfere with or restrict
in any way the  right  of the  Eligible  Person's  employer  to  discharge  such
Eligible Person at any time for any reason whatsoever, with or without cause.

                                        6

<PAGE>

         18.  Nontransferability.  No Option  granted  under  the Plan  shall be
transferable  other  than by will or by the laws of  descent  and  distribution.
During the lifetime of the optionee, an Option shall be exercisable only by him.

         19. No Rights as  Stockholder.  No optionee  shall have any rights as a
stockholder  with respect to any shares  subject to his Option prior to the date
of issuance to him of a certificate or certificates for such shares.

         20. Amendment and  Discontinuance of Plan. The  Corporation's  Board of
Directors may amend,  suspend or discontinue this Plan at any time.  However, no
such  action  may  prejudice  the  rights of any  Eligible  Person who has prior
thereto been granted Options under this Plan. Further, no amendment to this Plan
which has the effect of (a) increasing  the aggregate  number of shares of Stock
subject to this Plan (except for adjustments pursuant to Paragraph 3 herein), or
(b) changing the definition of Eligible Person under this Plan, may be effective
unless and until approval of the  stockholders of the Corporation is obtained in
the same manner as approval of this Plan is required. The Corporation's Board of
Directors is authorized to seek the approval of the  Corporation's  stockholders
for any other  changes  it  proposes  to make to this Plan  which  require  such
approval,  however, the Board of Directors may modify the Plan, as necessary, to
effectuate  the  intent  of the  Plan as a  result  of any  changes  in the tax,
accounting  or  securities  laws  treatment  of  Eligible  Persons and the Plan,
subject to the  provisions set forth in this Paragraph 19, and Paragraphs 20 and
21.

         21.  Compliance with Rule 16b-3. This Plan is intended to comply in all
respects  with Rule 16b-3  ("Rule  16b-3")  promulgated  by the  Securities  and
Exchange  Commission under the Securities  Exchange Act of 1934, as amended (the
"Exchange  Act"),  with respect to participants who are subject to Section 16 of
the Exchange Act, and any provision(s) herein that is/are contrary to Rule 16b-3
shall be deemed  null and void to the  extent  appropriate  by either  the Stock
Option Committee or the Corporation's Board of Directors.

         22.  Compliance with Code. The aspects of this Plan on ISOs is intended
to comply in every  respect  with  Section  422 of the Code and the  regulations
promulgated  thereunder.  In the event any future  statute or  regulation  shall
modify the existing statute, the aspects of this Plan on ISOs shall be deemed to
incorporate by reference such modification.  Any stock option agreement relating
to any Option granted  pursuant to this Plan  outstanding and unexercised at the
time any modifying statute or regulation  becomes effective shall also be deemed
to incorporate by reference such modification and no notice of such modification
need be given to optionee.

         If any  provision of the aspects of this Plan on ISOs is  determined to
disqualify  the shares  purchasable  pursuant to the Options  granted under this
Plan from the special tax treatment provided by Code Section 422, such provision
shall be deemed null and void and to incorporate  by reference the  modification
required to qualify the shares for said tax treatment.

                                        7

<PAGE>

         23. Compliance With Other Laws and Regulations. The Plan, the grant and
exercise of Options  thereunder,  and the obligation of the  Corporation to sell
and deliver Stock under such options, shall be subject to all applicable federal
and state laws,  rules,  and regulations and to such approvals by any government
or regulatory  agency as may be required.  The Corporation shall not be required
to issue or  deliver  any  certificates  for  shares  of Stock  prior to (a) the
listing of such shares on any stock exchange or over-the-counter market on which
the Stock may then be  listed  and (b) the  completion  of any  registration  or
qualification  of such  shares  under any federal or state law, or any ruling or
regulation  of any  government  body which the  Corporation  shall,  in its sole
discretion,  determine to be necessary or advisable.  Moreover, no Option may be
exercised  if its  exercise or the receipt of Stock  pursuant  thereto  would be
contrary to applicable laws.

         24.  Disposition of Shares. In the event any share of Stock acquired by
an exercise of an Option granted under the Plan shall be transferable other than
by will or by the laws of descent and distribution  within two years of the date
such  Option was  granted or within  one year after the  transfer  of such Stock
pursuant to such exercise, the optionee shall give prompt written notice thereof
to the Corporation or the Stock Option Committee.

         25. Name. The Plan shall be known as the  "WorldWideWeb  Institute.com,
Inc. 1999 Stock Option Plan."

         26.  Notices.  Any notice  hereunder  shall be in  writing  and sent by
certified  mail,  return receipt  requested or by facsimile  transmission  (with
electronic  or  written  confirmation  of  receipt)  and when  addressed  to the
Corporation  shall be sent to it at its  office,  6245  N.W.  9th  Avenue,  Fort
Lauderdale,  Florida 33309, and when addressed to the Committee shall be sent to
it at 6245 N.W. 9th Avenue, Fort Lauderdale, Florida 33309, subject to the right
of either  party to  designate  at any time  hereafter  in  writing  some  other
address,  facsimile  number or person to whose  attention  such notice  shall be
sent.

         27.  Headings.   The  headings  preceding  the  text  of  Sections  and
subparagraphs hereof are inserted solely for convenience of reference, and shall
not  constitute  a part  of  this  Plan  nor  shall  they  affect  its  meaning,
construction or effect.

         28.  Effective Date. This Plan, the  WorldWideWeb  Institute.com,  Inc.
1999 Stock Option Plan, was adopted by the Board of Directors of the Corporation
on July 1, 1999. The effective date of the Plan shall be the same date.

         Dated as of July 1, 1999.

                                            WORLDWIDEWEB INSTITUTE.COM, INC.

                                            By:___________________________
                                            Name: ________________________
                                            Its:      President

                                        8

<PAGE>

                                                                [NSO GRANT FORM]

                        WORLDWIDEWEB INSTITUTE.COM, INC.
                         6245 N.W. 9th Avenue, Suite 201
                         Fort Lauderdale, Florida 33309

                                                         Date:  ________________

_______________________
_______________________
_______________________

Dear ______________:

         The  Board  of  Directors  of  WorldWideWeb  Institute.com,  Inc.  (the
"Corporation")  is pleased to award you an Option  pursuant to the provisions of
the 1999 Stock Option Plan (the  "Plan").  This letter will  describe the Option
granted to you.  Attached to this letter is a copy of the Plan. The terms of the
Plan also set forth provisions  governing the Option granted to you.  Therefore,
in addition to reading this letter you should also read the Plan. Your signature
on this letter is an acknowledgment to us that you have read and under-stand the
Plan and that you agree to abide by its  terms.  All terms not  defined  in this
letter shall have the same meaning as in the Plan.

         1. Type of Option.  You are  granted an NSO.  Please see in  particular
Section 11 of the Plan.

         2. Rights and  Privileges.  Subject to the conditions  hereinafter  set
forth,  we  grant  you the  right  to  purchase  __________  shares  of Stock at
$__________  per share,  the current fair market value of a share of Stock.  The
right to purchase the shares of Stock  accrues in __________  installments  over
the time periods described below:

         The right to acquire __________ shares accrues on __________.

         The right to acquire __________ shares accrues on __________.

         3. Time of  Exercise.  The Option may be exercised at any time and from
time to time  beginning  when the right to purchase the shares of Stock  accrues
and ending when they terminate as provided in Section 5 of this letter.

         4. Method of Exercise. The Options shall be exercised by written notice
to the Chairman of the Board of Directors at the  Corporation's  principal place
of  business.  The  notice  shall set forth the  number of shares of Stock to be
acquired and shall  contain a check payable to the  Corporation  in full payment
for the Stock or that number of already  owned shares of Stock equal in value to
the total Exercise Price of the Option.  We shall make delivery of the shares of
Stock subject to the conditions described in Section 13 of the Plan.

                                        1

<PAGE>

         5. Termination of Option. To the extent not exercised, the Option shall
terminate upon the first to occur of the following dates:

                  (a) __________,  199___,  being __________ years from the date
of grant pursuant to the provisions of Section 2 of this Agreement; or

                  (b) The  expiration  of three months  following  the date your
employment  terminates with the Corporation and any of its subsidiaries included
in the  Plan  for any  reason,  other  than by  reason  of  death  or  permanent
disability.  As used  herein,  "permanent  disability"  means your  inability to
engage  in  any  substantial   gainful  activity  by  reason  of  any  medically
determinable  physical or mental  impairment  which can be expected to result in
death or which has lasted or can be expected to last for a continuous  period of
not less than 12 months; or

                  (c) The  expiration  of 12  months  following  the  date  your
employment  terminates with the Corporation and any of its subsidiaries included
in the Plan, if such employment termination occurs by reason of your death or by
reason of your permanent disability (as defined above).

         6. Securities Laws.

                  The Option and the shares of Stock  underlying the Option have
not been  registered  under the  Securities Act of 1933, as amended (the "Act").
The  Corporation has no obligations to ever register the Option or the shares of
Stock  underlying the Option.  All shares of Stock acquired upon the exercise of
the Option shall be "restricted  securities" as that term is defined in Rule 144
promulgated under the Act. The certificate representing the shares shall bear an
appropriate  legend  restricting  their  transfer.  Such shares  cannot be sold,
transferred,  assigned or otherwise  hypothecated without registration under the
Act or  unless a valid  exemption  from  registration  is then  available  under
applicable  federal  and  state  securities  laws and the  Corporation  has been
furnished with an opinion of counsel  satisfactory  in form and substance to the
Corporation that such registration is not required.

         7. Binding Effect. The rights and obligations  described in this letter
shall inure to the benefit of and be binding upon both of us, and our respective
heirs, personal representatives, successors and assigns.

         8. Date of Grant. The Option shall be treated as having been granted to
you on the date of this letter even though you may sign it at a later date.

                                                     Very truly yours,

                                                     By:________________________
                                                     Name: _____________________
                                                     Its:         President

AGREED AND ACCEPTED:

___________________

                                        2

<PAGE>

                                                          Date: ________________

                        WORLDWIDEWEB INSTITUTE.COM, INC.
                         6245 N.W. 9th Avenue, Suite 201
                         Fort Lauderdale, Florida 33309

_______________________
_______________________
_______________________

Dear _______________:

         The  Board  of  Directors  of  WorldWideWeb  Institute.com,  Inc.  (the
"Corporation")  is pleased to award you an Option  pursuant to the provisions of
the 1999 Stock Option Plan (the  "Plan").  This letter will  describe the Option
granted to you.  Attached to this letter is a copy of the Plan. The terms of the
Plan also set forth provisions  governing the Option granted to you.  Therefore,
in addition to reading this letter you should also read the Plan. Your signature
on this letter is an acknowledgment to us that you have read and under-stand the
Plan and that you agree to abide by its  terms.  All terms not  defined  in this
letter shall have the same meaning as in the Plan.

         1. Type of Option.  You are  granted an ISO.  Please see in  particular
Section 11 of the Plan.

         2. Rights and  Privileges.  Subject to the conditions  hereinafter  set
forth,  we  grant  you the  right  to  purchase  __________  shares  of Stock at
$__________  per share,  the current fair market value of a share of Stock.  The
right to purchase the shares of Stock  accrues in __________  installments  over
the time periods described below:

         The right to acquire __________ shares accrues on __________.

         The right to acquire __________ shares accrues on __________.

         The right to acquire __________ shares accrues on __________.

         The right to acquire __________ shares accrues on __________.

         The right to acquire __________ shares accrues on __________.

         The right to acquire __________ shares accrues on __________.

                                        1

<PAGE>

         3. Time of  Exercise.  The Option may be exercised at any time and from
time to time  beginning  when the right to purchase the shares of Stock  accrues
and ending when they terminate as provided in Section 5 of this letter.

         4. Method of Exercise. The Options shall be exercised by written notice
to the Chairman of the Board of Directors at the  Corporation's  principal place
of  business.  The  notice  shall set forth the  number of shares of Stock to be
acquired and shall  contain a check payable to the  Corporation  in full payment
for the Stock or that number of already  owned shares of Stock equal in value to
the total Exercise Price of the Option.  We shall make delivery of the shares of
Stock subject to the conditions described in Section 13 of the Plan.

         5. Termination of Option. To the extent not exercised, the Option shall
terminate upon the first to occur of the following dates:

                  (a)  _____________,  199___,  being  __________ years from the
date of grant pursuant to the provisions of Section 2 of this Agreement; or

                  (b) The expiration of thirty (30) days following the date your
employment  terminates with the Corporation and any of its subsidiaries included
in the  Plan  for any  reason,  other  than by  reason  of  death  or  permanent
disability.  As used  herein,  "permanent  disability"  means your  inability to
engage  in  any  substantial   gainful  activity  by  reason  of  any  medically
determinable  physical or mental  impairment  which can be expected to result in
death or which has lasted or can be expected to last for a continuous  period of
not less than 12 months; or

                  (c) The  expiration  of 12  months  following  the  date  your
employment  terminates with the Corporation and any of its subsidiaries included
in the Plan, if such employment termination occurs by reason of your death or by
reason of your permanent disability (as defined above).

         6. Securities Laws.

                  The Option and the shares of Stock  underlying the Option have
not been  registered  under the  Securities Act of 1933, as amended (the "Act").
The  Corporation has no obligations to ever register the Option or the shares of
Stock  underlying the Option.  All shares of Stock acquired upon the exercise of
the Option shall be "restricted  securities" as that term is defined in Rule 144
promulgated under the Act. The certificate representing the shares shall bear an
appropriate  legend  restricting  their  transfer.  Such shares  cannot be sold,
transferred,  assigned or otherwise  hypothecated without registration under the
Act or  unless a valid  exemption  from  registration  is then  available  under
applicable  federal  and  state  securities  laws and the  Corporation  has been
furnished with an opinion of counsel  satisfactory  in form and substance to the
Corporation that such registration is not required.

                                        2

<PAGE>

         7. Binding Effect. The rights and obligations  described in this letter
shall inure to the benefit of and be binding upon both of us, and our respective
heirs, personal representatives, successors and assigns.

         8. Date of Grant. The Option shall be treated as having been granted to
you on the date of this letter even though you may sign it at a later date.

                                                     Very truly yours,

                                                     By:________________________
                                                     Name: _____________________
                                                     Its:     President

AGREED AND ACCEPTED:

___________________

                                        3

<PAGE>

                                                                 [NSO GRANT FORM
                                                            WITH RELOAD OPTIONS]

                        WORLDWIDEWEB INSTITUTE.COM, INC.
                         6245 N.W. 9th Avenue, Suite 201
                         Fort Lauderdale, Florida 33309

                                                                Date: __________
_______________________
_______________________
_______________________

Dear _______________:

         The  Board  of  Directors  of  WorldWideWeb  Institute.com,  Inc.  (the
"Corporation")  is pleased to award you an Option  pursuant to the provisions of
the 1999 Stock Option Plan (the  "Plan").  This letter will  describe the Option
granted to you.  Attached to this letter is a copy of the Plan. The terms of the
Plan also set forth provisions  governing the Option granted to you.  Therefore,
in addition to reading this letter you should also read the Plan. Your signature
on this letter is an  acknowledgment to us that you have read and understand the
Plan and that you agree to abide by its  terms.  All terms not  defined  in this
letter shall have the same meaning as in the Plan.

         1. Type of Option.  You are  granted an NSO.  Please see in  particular
Section 11 of the Plan.

         2. Rights and Privileges.

                  (a) Subject to the conditions  hereinafter set forth, we grant
you the right to purchase  __________  shares of Stock at $__________ per share,
the current  fair market  value of a share of Stock.  The right to purchase  the
shares  of Stock  accrues  in  __________  installments  over  the time  periods
described below:

         The right to acquire __________ shares accrues on __________.

         The right to acquire __________ shares accrues on __________.

                                        1

<PAGE>

                  (b) In addition to the Option granted hereby (the  "Underlying
Option"),  the Corporation  will grant you a reload option (the "Reload Option")
as hereinafter provided. A Reload Option is hereby granted to you if you acquire
shares of Stock  pursuant to the exercise of the  Underlying  Option and pay for
such  shares of Stock  with  shares of Common  Stock  already  owned by you (the
"Tendered Shares"). The Reload Option grants you the right to purchase shares of
Stock  equal in number to the number of Tendered  Shares.  The date on which the
Tendered  Shares are tendered to the  Corporation in full or partial  payment of
the purchase price for the shares of Stock acquired  pursuant to the exercise of
the Underlying Option is the Reload Grant Date. The exercise price of the Reload
Option is the fair market value of the Tendered Shares on the Reload Grant Date.
The fair  market  value of the  Tendered  Shares  shall be the low bid price per
share of the  Corporation's  Common Stock on the Reload  Grant Date.  The Reload
Option shall vest equally over a period of __________ (___) years, commencing on
the first  anniversary of the Reload Grant Date, and on each  anniversary of the
Reload  Grant  Date  thereafter;  however,  no Reload  Option  shall vest in any
calendar  year if it would  allow you to  purchase  for the  first  time in that
calendar  year shares of Stock with a fair market  value in excess of  $100,000,
taking into account  ISOs  previously  granted to you.  The Reload  Option shall
expire on the earlier of (i) __________  (___) years from the Reload Grant Date,
or (ii) in accordance with Paragraph 5(b), or (iii) in accordance with Paragraph
5(c) as set forth herein. If vesting of the Reload Option is deferred,  then the
Reload Option shall vest in the next calendar  year,  subject,  however,  to the
deferral of vesting  previously  provided.  Except as provided herein the Reload
Option is subject to all of the other  terms and  provisions  of this  Agreement
governing Options.

         3. Time of  Exercise.  The Option may be exercised at any time and from
time to time  beginning  when the right to purchase the shares of Stock  accrues
and ending when they terminate as provided in Section 5 of this letter.

         4. Method of Exercise. The Options shall be exercised by written notice
to the Chairman of the Board of Directors at the  Corporation's  principal place
of  business.  The  notice  shall set forth the  number of shares of Stock to be
acquired and shall  contain a check payable to the  Corporation  in full payment
for the Stock or that number of already  owned shares of Stock equal in value to
the total Exercise Price of the Option.  We shall make delivery of the shares of
Stock subject to the conditions described in Section 13 of the Plan.

         5. Termination of Option. To the extent not exercised, the Option shall
terminate upon the first to occur of the following dates:

                  (a) __________,  199_, being __________ years from the date of
grant pursuant to the provisions of Section 2 of this Agreement; or

                  (b) The  expiration  of three months  following  the date your
employment  terminates with the Corporation and any of its subsidiaries included
in the  Plan  for any  reason,  other  than by  reason  of  death  or  permanent
disability.  As used  herein,  "permanent  disability"  means your  inability to
engage  in  any  substantial   gainful  activity  by  reason  of  any  medically
determinable  physical or mental  impairment  which can be expected to result in
death or which has lasted or can be expected to last for a continuous  period of
not less than 12 months; or

                                        2

<PAGE>

                  (c) The  expiration  of 12  months  following  the  date  your
employment  terminates with the Corporation and any of its subsidiaries included
in the Plan, if such employment termination occurs by reason of your death or by
reason of your permanent disability (as defined above).

         6. Securities Laws.

                  The Option and the shares of Stock  underlying the Option have
not been  registered  under the  Securities Act of 1933, as amended (the "Act").
The  Corporation has no obligations to ever register the Option or the shares of
Stock  underlying the Option.  All shares of Stock acquired upon the exercise of
the Option shall be "restricted  securities" as that term is defined in Rule 144
promulgated under the Act. The certificate representing the shares shall bear an
appropriate  legend  restricting  their  transfer.  Such shares  cannot be sold,
transferred,  assigned or otherwise  hypothecated without registration under the
Act or  unless a valid  exemption  from  registration  is then  available  under
applicable  federal  and  state  securities  laws and the  Corporation  has been
furnished with an opinion of counsel  satisfactory  in form and substance to the
Corporation that such registration is not required.

         7. Binding Effect. The rights and obligations  described in this letter
shall inure to the benefit of and be binding upon both of us, and our respective
heirs, personal representatives, successors and assigns.

         8. Date of Grant. The Option shall be treated as having been granted to
you on the date of this letter even though you may sign it at a later date.

                                                     Very truly yours,

                                                     By:________________________
                                                     Name: _____________________
                                                     Its:     President

AGREED AND ACCEPTED:

____________________

                                        3

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