Document:

NORTH CAROLINA                                   IN THE GENERAL COURT OF JUSTICE
                                                 SUPERIOR COURT DIVISION
DURHAM COUNTY                                    FILE NO. 99 CVS 05232

ROGER JACKSON PLEASANT)
                   Plaintiff

vs.                                              CONFESSION OF JUDGMENT

STAFF BUILDERS SERVICES,
INC., and STAFF BUILDERS, INC.
                   Defendant

Staff Builders Services,  Inc., and Staff Builders,  Inc., Defendants,  show the
Court:

1. Roger  Jackson  Pleasant,  the  Plaintiff,  resides in Person  County,  North
Carolina.

2. Staff Builders Services,  Inc., is a corporation organized and existing under
the laws of the State of New York with its  principal  place of business in Lake
Success, New York.

3. Staff Builders,  Inc., is a corporation organized and existing under the laws
of the State of Delaware,  with its principal place of business in Lake Success,
New York.

4. The  undersigned  Defendants  may become liable to the Plaintiff  named above
for:

A. ONE MILLION SEVEN HUNDRED TEN THOUSAND AND NO/100 DOLLARS ($1,710,000.00) due
Plaintiff  pursuant to the terms of a Non-Competition  Agreement executed by the
parties on August 30, 1995; and

B. TWO MILLION SIX HUNDRED FOURTEEN THOUSAND NINE HUNDRED NINETY-NINE AND NO/100
DOLLARS ($2,614,999.00) due Plaintiff pursuant to the terms of a Promissory Note
executed by the  parties on August 30,  1995;  and,  ONE  MILLION  TWENTY  EIGHT
THOUSAND SIX HUNDRED  EIGHTY-EIGHT  AND NO/100 DOLLARS  ($1,028,688.00)  of said
amount  represents the unpaid interest of the Note as of September 1, 1999, with
the remaining ONE MILLION FIVE HUNDRED EIGHTY-SIX  THOUSAND THREE HUNDRED ELEVEN
AND N0/100 DOLLARS ($1,586,311.00)  representing the unpaid principal due on the
Note as of September 1, 1999.

5. The  undersigned  Defendants  authorize the entry of judgment in favor of the
above named  Plaintiff  in the sum of FOUR  MILLION  THREE  HUNDRED  TWENTY FOUR
THOUSAND NINE HUNDRED NINETY-NINE AND NO/100 DOLLARS  ($4,324,999.00),  less any
payments received by Plaintiff after December 29, 1999.

  This the _________                          day of January, 2000.

                                              DEFENDANTS:

                                              STAFF BUILDERS SERVICES, INC.

(SEAL)                                        BY: /s/ Dale R. Clift
                                                  President
ATTEST:

/s/ Renee Silver, Secretary

Secretary

<PAGE>

                                              STAFF BUILDERS, INC.

(SEAL)                                        BY: /s/ Stephen Savitsky
                                                  President

ATTEST:

/s/ Renee Silver, Secretary

Secretary

Upon the foregoing Confession of Judgment,  it is ordered,  adjudged and decreed
that    Plaintiff    have   and    recover   of    Defendants,    the   sum   of
$_______________________ and costs.

This the _________ day of ________________, 2000.

Clerk confession of Judgment/ed

<PAGE>

STATE OF NEW YORK

COUNTY OF NASSAU

I, the undersigned,  a Notary Public in and for said County and State, do hereby
certify  that  RENEE  SILVER   personally   appeared  before  me  this  day  and
acknowledged that she is THE Secretary of STAFF BUILDERS  SERVICES.,  INC. a New
York  corporation,  and  that  by  authority  duly  given  and as the act of the
corporation,  the foregoing  instrument was signed in its name by its President,
sealed with its corporate seal and attested by Herself as its Secretary.

WITNESS my hand and notarial seal this the 27th day of JANUARY, 2000.

Notary Public My commission expires:

GARY MARCUS Notary Public, state of New York No.02MA4518442  Qualified in Nassau
county Term Expires November 30, 2000

STATE OF NEW YORK

COUNTY OF NASSAU

I, the undersigned,  a Notary Public in and for said County and State, do hereby
certify  that  DAVID  SAVITSKY  personally  appeared  before  me  this  day  and
acknowledged   that  he  is  Secretary  of  STAFF  BUILDERS,   INC.  a  Delaware
corporation, and that by authority duly given and as the act of the corporation,
the foregoing  instrument was signed in its name by its  President,  sealed with
its corporate seal and attested by Himself as its Secretary.

WITNESS my hand and notarial seal this the 27th day of JANUARY, 2000

Notary Public
My Commission expires: November 30, 2000
GARY MARCUS
Notary Public, State of
New York
No.02MA 4518442
Qualified in Nassau--------------------------------------------------------------------------------

                              MATTERHORN USA, INC.,

                                    LANDLORD

                         ATC HEALTHCARE SERVICES, INC.,

                                     TENANT

                         -------------------------------

                                      LEASE

                         -------------------------------

                             PREMISES: Gateway North
                                       Lake Success, New York

--------------------------------------------------------------------------------

<PAGE>

                                TABLE OF CONTENTS

                                                                            PAGE

<PAGE>

      AGREEMENT OF LEASE, made as of this _____ day of November,  1999,  between
MATTERHORN  USA,  INC.,  a  Delaware  corporation,  having  an office at c/o BDG
Management,  Inc., 6800 Jericho Turnpike, Syosset, New York, 11791 (hereinafter,
"Landlord")   and  ATC   HEALTHCARE   SERVICES,   INC.,   having  an  office  at
_______________________________ (hereinafter, "Tenant").

                              W I T N E S S E T H :

The parties  hereto,  for  themselves,  their  heirs,  distributees,  executors,
administrators,  legal representatives,  successors and assigns, hereby covenant
and agree as follows:

      1.01.  Landlord  hereby  leases to Tenant  and  Tenant  hereby  hires from
Landlord the space substantially as shown hatched on the diagram attached hereto
and made a part hereof as Exhibit "A" on the Entry Level of the  building  known
as Gateway North, Lake Success,  New York, 11042 (hereinafter,  the "Building"),
situated  upon a plot of land  (hereinafter,  the  "Land")  in the Town of North
Hempstead,  County  of  Nassau  and  State  of New  York,  as more  particularly
described on Schedule A attached  hereto and made a part hereof,  together  with
all fixtures, equipment, improvements,  installations and appurtenances which at
the  commencement  of or  during  the Term of this  Lease are  attached  thereto
(except  items not deemed to be  included  therein  and  removable  by Tenant as
provided in Article V hereof), which space, fixtures,  equipment,  improvements,
installations and  appurtenances  are hereinafter  sometimes called the "Demised
Premises," for a "Term" of eight (8) years(or until such Term shall sooner cease
and expire as  hereinafter  provided),  to  commence  on the date upon which the
Demised Premises shall have been rendered  substantially  ready for occupancy by
Landlord  (hereinafter,  the "Commencement Date"), and to end at midnight on the
last  day  of  the  ninety-sixth   (96th)  month  after  the  Commencement  Date
(hereinafter, the "Expiration Date"), said Commencement Date and Expiration Date
being subject to the further provisions of this Lease, at an initial annual base
rate of  $282,840.00  which  Tenant  agrees to pay in twelve (12) equal  monthly
installments  per annum,  in advance,  on the first day of each  calendar  month
during said Term,  at the office of Landlord or such other place as Landlord may
designate,  except that Tenant shall pay the first  monthly  installment  on the
execution hereof.  Promptly  following the Commencement Date, the parties hereto
shall enter into a supplemental  certificate fixing the actual Commencement Date
and the stated Expiration Date and certifying that any improvements  required to
be made by Landlord  have been  completed.  The parties  agree that the rentable
square  foot area of the  Demised  Premises  for the  purposes  of this Lease is
11,785 square feet ("Rentable Square Feet").

<PAGE>

      1.02.  The terms defined in this Article  shall,  for all purposes of this
Lease,  and all  agreements  supplemental  hereto,  have the meanings  specified
herein, unless the context required otherwise.

      1.02.1 "Term" shall mean that period between the Commencement Date and the
Expiration  Date,  or such  earlier  date(s) on which such term may expire or be
cancelled or terminated  pursuant to any of the  conditions or covenants of this
Lease or pursuant to law.

      1.02.2 "Tenant's Pro Rata Share" shall be 3.74 percent.

      1.02.3.  "Lease Year" shall mean any consecutive  twelve (12) month period
commencing on the Commencement Date, or the first day of the month following the
Commencement  Date, if the Commencement Date is any day other than the first day
of a month, or any anniversary thereof.

      1.02.4.  "Common  Areas"  shall  mean the  lobbies,  entrances,  hallways,
bathrooms, stairs, elevators, off-street loading berths, atrium and other public
portions  and common  areas or building  service  areas of the  Building and the
non-exclusive indoor and outdoor parking areas associated with the Building.

      1.02.5.  "Commencement  Date"  shall have the  meaning set forth on Page 1
hereof.

      1.02.6.  "Expiration  Date"  shall  have the  meaning  set forth on Page 1
hereof.

      1.02.7. "Rent Commencement Date" shall mean the Commencement Date.

      1.02.8. "Base Rent" shall have the meaning set forth in Article XIV.

<PAGE>

      1.02.9. "Additional Rent" shall have the meaning set forth in Article XIV.

      1.2.10. "Land" shall have the meaning set forth on Page 1 hereof.

      1.2.11  "Lease  Month"  shall  mean  any  calendar  month   following  the
Commencement  Date, or the first full calendar month following the  Commencement
Date, if the Commencement Date is any day other than the first day of a month.

      2.01.  Tenant shall pay to Landlord,  at  Landlord's  offices first listed
above or at such other place as Landlord  may  designate  from time to time,  in
cash, or by check of Tenant in advance on the first day of each month during the
Term, without counterclaim, set-off or deduction whatsoever, the "Base Rent" (as
defined herein), commencing on the Rent Commencement Date, except that the first
monthly  installment  of  Base  Rent  shall  be paid  on the  execution  hereof.
Notwithstanding  the foregoing,  if the Rent  Commencement Date shall fall other
than on the first day of a month,  then the Base  Rent,  pro-rated  for the stub
period beginning on the Rent Commencement Date and ending on the last day of the
month in which  the Rent  Commencement  Date  falls,  shall be paid by Tenant to
Landlord on the Rent Commencement Date (and the next regular monthly installment
of Base Rent  shall be due and  payable  on the first  day of the  second  month
following  the month in which the Rent  Commencement  Date falls).  In addition,
Tenant shall pay to Landlord during the Term, at the place and in the manner set
forth  above,  "Additional  Rent"  (as  defined  herein)  as and when  billed by
Landlord therefor.

      3.01.  Tenant  shall use and occupy the  Demised  Premises  as general and
administrative offices for the transaction of Tenant's business (hereinafter the
"Permitted Use"), and for no other purpose.

      3.02.  Tenant  shall  not at any time use or  occupy,  or suffer or permit
anyone to use or occupy,  the Demised  Premises,  or do or permit anything to be
done in the Demised Premises,  in violation of the Certificate of Compliance for
the Demised  Premises or for the  Building.  Tenant shall not permit the Demised
Premises to be used or operated in violation of any governmental requirements or
requirements of the New York Board of Fire Underwriters,  or any other law, rule
or regulation.

<PAGE>

      4.01.  Tenant has inspected  the Demised  Premises and the Building and is
thoroughly  acquainted with their respective  conditions and agrees to take same
"as is" and  acknowledges  that the taking of possession of the Demised Premises
by  Tenant  shall be  conclusive  evidence  that the  Demised  Premises  and the
Building were in good and satisfactory condition at the time such possession was
so taken.

      4.02.  Landlord  shall have no obligation to alter,  improve,  decorate or
otherwise  prepare the  Demised  Premises  for  Tenant's  occupancy  except that
Landlord  shall  perform  such  items  of  work  so as to  modify  the  existing
conditions at the Demised Premises pursuant to the attached plans,  valued at up
to $35,355.00  (hereinafter,  "Landlord's  Initial Work"). Any and all costs for
Landlord's Initial Work that exceed $35,355.00 shall be borne by Tenant and paid
to Landlord as Additional Rent. In the event that Landlord's  Initial Work costs
less  than  $35,355.00,  Tenant  shall  not  be  entitled  to any  abatement  or
reimbursement  whatsoever for the unused amount allocated for Landlord's Initial
Work.  Landlord  shall  proceed  with  such  Landlord's  Initial  Work  with due
dispatch,  subject to delays by causes beyond its reasonable  control and to the
vacating and  surrendering of all or part of the Demised Premises by any present
occupant  thereof.  If Landlord  is required by the terms  hereof to do any such
work without expense to Tenant and the cost of such work is increased due to any
delay  resulting  from any act or omission of Tenant,  its agents or  employees,
Tenant shall  forthwith  pay to Landlord as  Additional  Rent an amount equal to
such increase in cost.

<PAGE>

      4.03.  So long as Tenant is not in default  under the terms of this Lease,
and subject to Landlord's review of Tenant's then current financial statement(s)
which must  provide for a net worth which  exceeds$3,535,500.00,  upon the first
anniversary of the Commencement Date,  Landlord shall perform such items of work
so as to perform new building standard  installation valued at up to $282,840.00
(hereinafter,  "Landlord's  Subsequent  Work").  In the event that Tenant's then
current  financial  statement(s)  does not provide for a net worth which exceeds
$3,535,500.00,  on the  aforementioned  anniversary  date,  then  the  value  of
Landlord's   Subsequent  Work  shall  be  provided  in  annual  installments  of
$35,355.00 per year or Tenant shall be entitled to an abatement  toward the Base
Rent for the unused amount  allocated for  Landlord's  Subsequent  Work for each
annual installment until such time that the then current financial  statement(s)
of Tenant  provides for a net worth which exceeds  twelve and one-half times the
cost  of the  Subsequent  Work,  and  then  the  balance  of the  aforementioned
$282,840.00  shall be made available to Tenant for Landlord's  Subsequent  Work.
Notwithstanding  anything to the contrary  herein,  Landlord's total expense for
Landlord's Subsequent Work shall not exceed $282,840.00,  which expense includes
any rent  abatements  as  provided  hereinabove.  If Landlord is required by the
terms hereof to do any such work without  expense to Tenant and the cost of such
work is increased due to any delay resulting from the act or omission of Tenant,
its  agents or  employees,  Tenant  shall have  forthwith  paid to  Landlord  as
Additional Rent an amount equal to such increase in cost.

      4.04. Landlord shall use reasonable efforts to give to Tenant no less than
ten (10) business days prior notice of the  Commencement  Date.  Notwithstanding
the foregoing,  Landlord shall have no liability to Tenant in the event that the
Demised  Premises  are not  substantially  ready  for  occupancy  upon  the date
specified by Landlord.

      4.05.  Tenant  may be  permitted  entry and  access in and to the  Demised
Premises  prior to the  Commencement  Date in order to adapt  and  decorate  the
Demised  Premises  for  Tenant's  use. In  addition,  if the cost of  Landlord's
Initial Work is increased due to any delay  resulting  from Tenant's  decorating
the  Demised  Premises  as  contemplated  by this  Section  4.05,  Tenant  shall
forthwith pay Landlord an amount equal to such increase in cost.

      4.06. Any sums payable by Tenant prior to the  Commencement  Date pursuant
to the provisions of this Lease may be collected by Landlord as Additional Rent,
from time to time, upon demand, whether or not the same shall have accrued prior
to the Commencement  Date and in default of payment thereof,  Landlord shall (in
addition to all other remedies) have the same rights as in the event of Tenant's
default of payment of Additional Rent.

<PAGE>

      4.07. For the purposes of this Lease, the Demised Premises shall be deemed
"substantially  ready for  occupancy"  when the major  construction  aspects  of
Landlord's  Initial Work are substantially  completed,  although minor items are
not completed.  Such minor uncompleted items may include touch-up  plastering or
painting, so-called "punch list" items, or any other uncompleted construction or
improvement which does not unreasonably interfere with Tenant's ability to carry
on its  business in the Demised  Premises.  Tenant  shall  periodically  inspect
Landlord's  Initial  Work,  as  hereinafter  provided,  and make any  objections
thereto without delay so as to mitigate changes, delays and costs.

      5.01. Tenant shall make no changes and/or alterations in or to the Demised
Premises,  without Landlord's prior written consent,  which consent shall not be
unreasonably  withheld.  All changes and/or alterations which shall be permitted
by Landlord (hereinafter, collectively "Tenant's Changes") shall be accomplished
at Tenant's expense by contractors  approved by Landlord at a reasonable  market
price.  All Tenant's  Changes  requiring  alterations to HVAC and/or  electrical
equipment  shall be performed  by  Landlord's  contractors  in  connection  with
Landlord's  building  management  systems.  All  installations  installed in the
Demised Premises at any time shall,  upon  installation,  become the property of
Landlord  and shall  remain upon and be  surrendered  with the Demised  Premises
unless  Landlord,  by written  notice to Tenant no later than  twenty  (20) days
prior to the Expiration  Date,  elects to have them removed by Tenant,  in which
event the same  shall be  removed  by Tenant at  Tenant's  expense  prior to the
Expiration Date.

      5.02. Nothing in this Article shall be construed to give Landlord title to
or prevent  Tenant's  removal of trade fixtures,  moveable office  furniture and
equipment,  but upon removal of any such equipment from the Demised  Premises or
upon removal of other installations as may be required by Landlord, Tenant shall
immediately and at its expense,  repair and restore the Demised  Premises to the
condition existing prior to such installation and shall repair any damage to the
Demised  Premises  or the  Building  due to such  removal.  5.03.  All  property
permitted or required to be removed by Tenant at the end of the Term,  but which
nonetheless  remains in the Demised  Premises after the end of the Term shall be
deemed  abandoned  and may, at the election of Landlord,  be either  retained as
Landlord's property or removed from the Demised Premises by Landlord at Tenant's
expense.

<PAGE>

      5.04. Prior to commencing any Tenant's Changes,  Tenant shall, at Tenant's
sole cost and  expense  and in  consultation  with  Landlord's  managing  agent,
architects  and  engineers,  obtain  all  permits,  approvals  and  certificates
required by any governmental or  quasi-governmental  bodies and upon completion,
certificates of final approval thereof, and shall promptly deliver duplicates of
all such permits,  approvals and certificates to Landlord.  All Tenant's Changes
shall be performed in compliance  with all applicable  requirements of insurance
bodies having jurisdiction over the Demised Premises,  and in such manner as not
to interfere with, other Tenants or Landlord,  or delay or impose any additional
expense  upon  Landlord in the  construction,  maintenance  or  operation of the
Building.  Tenant,  at its expense,  and with due diligence and dispatch,  shall
procure the  cancellation or discharge of all notices of violation or mechanic's
liens arising from or otherwise  connected with Tenant's Changes.  Additionally,
Tenant agrees to carry and will cause all  contractors  and  sub-contractors  to
carry such  workers'  compensation,  general  liability,  personal  and property
damage  insurance  as  Landlord  may  require,  including  such  completion  and
performance bonds as Landlord may require.

      5.05. Landlord may require submission to it of plans and specifications in
connection  with granting or  withholding  its consent to any Tenant's  Changes.
Prior to granting its consent to any such Tenant's Changes,  Landlord may impose
such  conditions  as  Landlord,  in  its  reasonable  discretion,  may  consider
desirable.

      5.06.  In the event  Landlord or its agents shall  construct  any Tenant's
Changes,  Tenant  shall  pay to  Landlord  as  Additional  Rent (as said term is
defined in Article XIV of this  Lease) a fee equal to the cost to  Landlord  for
such work plus seven and one half (7 1/2%)  percent of said cost for  Landlord's
overhead  plus seven and one half (7 1/2%)  percent of said cost for  Landlord's
profit.

      5.07.  In the event Tenant shall  construct any Tenant's  Changes,  Tenant
shall pay to Landlord as Additional Rent (as said term is defined in Article XIV
of this Lease) a fee equal to ten (10%) percent of the cost of such work.

<PAGE>

      6.01.  Landlord  shall,  at  Landlord's  sole cost and  expense,  make all
structural repairs to the Building in which the Demised Premises are located and
shall also  maintain  and keep in good  repair the  Building's  roof,  exterior,
common areas (interior and exterior),  parking areas,  items in disrepair caused
by Landlord's  negligence  and sanitary,  electrical,  heating and other systems
servicing or located in or passing through the Demised Premises.  Landlord shall
operate and  maintain the  Building in such manner as Landlord  determines  from
time to time and in a reputable manner as would a prudent Landlord of a building
that is reasonably  similar in tenant mix, size, age and location.  Tenant shall
take  good care of the  Demised  Premises  and the  fixtures  and  appurtenances
therein and, at Tenant's sole cost and expense,  make all nonstructural  repairs
thereto as and when needed to preserve  said  Demised  Premises  and fixtures in
good working order and condition,  reasonable  wear and tear,  obsolescence  and
damage from the elements,  fire or other casualty excepted.  Notwithstanding the
foregoing,  all damage or injury to the Demised Premises or to any other part of
the Building, or to its fixtures,  equipment and appurtenances whether requiring
structural or non-structural  repairs, caused by or resulting from carelessness,
omission,  neglect or improper conduct of Tenant, Tenant's servants,  employees,
invitees or licensees, shall be promptly repaired by Tenant in a first class and
workmanlike  manner,  failing  which such  repairs  may be made by  Landlord  at
Tenant's  sole cost and expense.  Tenant shall repair all damage to the Building
and the Demised Premises caused by the moving of Tenant's fixtures, furniture or
equipment.  All the aforesaid repairs shall be of the quality and class equal to
the original work or construction.

      6.02.  Except as  specifically  provided in this Lease,  there shall be no
allowance  to Tenant for a  diminution  of rental  value and no liability on the
part of Landlord  by reason of  inconvenience,  annoyance  or injury to business
arising from  Landlord,  Tenant or others making or failing to make any repairs,
alterations,  additions or  improvements in or to any portion of the Building or
the  Demised  Premises or in and to the  fixtures,  appurtenances  or  equipment
thereof.  The  provisions  of this Article with respect to the making of repairs
shall not apply in the case of fire or other  casualty  which are dealt  with in
Article XVII hereof.

<PAGE>

      8.01.  Tenant  shall  give  prompt  notice to  Landlord  of any  notice it
receives of the  violation of any law or  requirements  of any public  authority
with respect to the Demised Premises or the use or occupation thereof.  Prior to
the Commencement  Date, if Tenant is then in possession of the Demised Premises,
and at all times  thereafter,  Tenant shall promptly comply with all present and
future laws, orders and regulations of all state,  federal,  town, municipal and
local governments,  departments,  commissions and boards or any direction of any
public officer pursuant to law, and all orders, rules and regulations of the New
York Board of Fire  Underwriters  or any  similar  body which  shall  impose any
violation,  order or duty upon  Landlord or Tenant  with  respect to the Demised
Premises (in which event Tenant  shall effect such  compliance  at its sole cost
and  expense) or the  Building,  if arising out of Tenant's  particular  use (in
which event,  Tenant  shall pay such cost to Landlord of  complying  therewith).
Tenant shall pay all costs, expenses,  fines, penalties or damages, which may be
imposed  upon-Landlord  by  reason  of  Tenant's  failure  to  comply  with  the
provisions of this Article,  and if by reason of such failure the fire insurance
rate shall, at the beginning of this Lease or at any time thereafter,  be higher
than it otherwise would be, then Tenant shall reimburse Landlord,  as Additional
Rent hereunder,  for that portion of all fire insurance premiums thereafter paid
by Landlord which shall have been charged because of such failure by Tenant, and
shall make such  reimbursement  upon the first day of the month  following  such
outlay by Landlord.

      8.02. Tenant shall not place a load upon any floor of the Demised Premises
exceeding  the floor load per square foot area which said floor was  designed to
carry and which is allowed by law.

<PAGE>

      9.01.  This Lease,  and all rights of Tenant  hereunder,  are and shall be
subject and subordinate in all respects to all present and future ground leases,
overriding leases and underlying leases and/or grants of term of the Land or the
Building or the portion  thereof in which the  Demised  Premises  are located in
whole or in part now or  hereafter  existing and to all  mortgages  and building
loan agreements, which may now or hereafter affect the Land, and/or the Building
and/or any of such leases,  whether or not such mortgages shall also cover other
lands and/or  buildings,  to each and every advance made or hereafter to be made
under such  mortgages,  and to all  renewals,  modifications,  replacements  and
extensions of such leases and such mortgages and spreaders,  consolidations  and
correlations  of such  mortgages.  The  provisions  of  this  Article  shall  be
self-operative and no further instrument of subordination shall be required.

      9.02. In confirmation of such subordination, Tenant shall promptly execute
and deliver, at its own cost and expense, any instrument,  in recordable form if
requested by Landlord, that Landlord, the lessor of any such lease or the holder
of any such  mortgage or any of their  respective  successors  in  interest  may
request to  evidence  such  subordination,  and Tenant  hereby  constitutes  and
appoints Landlord its attorney-in-fact to execute any such instrument for and on
behalf of Tenant.  The leases to which this Lease is, at the time  referred  to,
subject and  subordinate  pursuant to this Article,  are  sometimes  hereinafter
called  "superior  leases" and the mortgages to which this Lease is, at the time
referred to, subject and subordinate are sometimes  hereinafter called "superior
mortgages"  and the lessor of a superior  lease or its  successor in interest at
the time referred to is sometimes hereinafter called a "lessor."

      9.03.  This Lease shall not terminate or be terminable by Tenant by reason
of any termination of any superior lease, by summary proceedings,  or otherwise,
unless the lessor under the terminated  superior lease shall elect in connection
therewith to terminate  this Lease and the right of Tenant to  possession of the
Demised  Premises.  Tenant agrees without  further  instruments of attornment in
such case, to attorn to such lessor,  to waive the  provisions of any statute or
rule of law now or  hereafter in effect which may give or purport to give Tenant
any right of election to terminate this Lease or to surrender  possession of the
Demised Premises in the event such superior lease is terminated, and that unless
and until said lessor shall elect to  terminate  this Lease and  extinguish  the
leasehold estate demised hereunder,  this Lease shall not be affected in any way
whatsoever by any such proceeding or termination.  Tenant shall take no steps to
terminate this Lease, whether or not such superior lease be terminated,  without

<PAGE>

giving  written  notice to such  lessor,  and a reasonable  opportunity  to cure
(without  such  lessor  being  obligated  to cure),  any  default on the part of
Landlord  under this Lease.  Notwithstanding  anything to the  contrary  herein,
Tenant shall attorn to the holder of any superior mortgage and Tenant shall have
no right of offset or  counterclaim to payment of any rent against the holder of
any superior  mortgage  and any  cancellation,  surrender,  or amendment of this
Lease without the prior written  consent of the holder of any superior  mortgage
shall be voidable by such holder of a superior mortgage. Tenant acknowledges and
agrees that if any holder of a superior  mortgage  shall succeed to the interest
of Landlord  under this Lease,  the holder of such  mortgage  shall assume (only
while owner of and in possession or control of the Building of which the Demised
Premises are a part) and perform all of Landlord's obligations under this Lease,
but shall  not be (i)  liable  for any act or  omission  of any  prior  landlord
(including Landlord),  (ii) liable for the return of any security deposit, (iii)
subject to any offset or  defense  which  Tenant may have paid for more than the
current  month to any such prior  landlord,  or (iv) bound by any  assignment or
modification  of this Lease,  made without its express written  consent.  Tenant
shall not look to the holder of a superior mortgage or successor in title to the
Demised  Premises,  in  connection  with the  return of or  accountability  with
respect to any  security  deposit  required by  Landlord,  unless said sums have
actually  been  received by such holder of a superior  mortgage or  successor in
interest.  Any reference to the holder of a superior mortgage  hereinabove shall
also include any of their respective successors in interest.

      9.04. If, in connection with the  procurement,  continuation or renewal of
any  financing  for which the Land,  and/or the  Building or the interest of the
lessee therein under a superior lease represents collateral in whole or in part,
an institutional lender shall request reasonable  modifications of this Lease as
a condition of such  financing,  Tenant will not  withhold its consent  thereto,
provided that such  modifications do not materially  increase the obligations of
Tenant under this Lease or materially and adversely  affect any rights of Tenant
under this Lease.

<PAGE>

      10.01. If the whole of the Demised  Premises shall be taken for any public
or quasi-public use by any lawful power or authority by exercise of the right of
condemnation or of eminent domain,  or by agreement  between Landlord or the fee
owner and those having the authority to exercise such right (hereinafter  called
"Taking"), the term of this Lease and all rights of Tenant hereunder,  except as
hereinafter provided,  shall cease and expire as of the date of vesting of title
as a result of the Taking, and the Base Rent and Additional,  Rent payable under
this Lease shall abate from and following the date on which the Taking occurs.

      10.02.  In the event of a Taking  of less  than the  whole of the  Demised
Premises, or a portion of the parking area, this Lease shall cease and expire in
respect of the portion of the Demised  Premises  and/or  parking area taken upon
vesting of title as a result of the  Taking  and,  if the Taking  results in the
portion of the Demised Premises remaining after the Taking being inadequate,  in
the reasonable judgment of Landlord for the efficient,  economical  operation of
Tenant's business  conducted at such time in the Demised Premises,  Landlord may
elect to terminate  this Lease by giving  notice to Tenant of such  election not
more than thirty (30) days after the actual Taking by the  condemning  authority
stating the date of  termination,  which date shall be not more than thirty (30)
days after the date of such notice to Tenant, and upon said date, this Lease and
the term hereof shall cease and expire.  If Landlord does not elect to terminate
this lease as aforesaid: (i) the new Base Rent payable under this Lease shall be
the  product of the total Base Rent  payable  under this Lease  multiplied  by a
fraction, the numerator of which is the rentable square foot area of the Demised
Premises  remaining  after  the  taking,  and the  denominator  of  which is the
rentable  square foot area of the Demised  Premises  immediately  preceding  the
Taking, and (ii) the net award for the Taking shall be paid to and first used by
Landlord  (subject to the rights of any  mortgagee  and/or fee owner) to restore
the portion of the Demised Premises and the Building  remaining after the Taking
to  substantially  the same  condition and tenant  ability  (hereinafter  called
"pre-taking condition") as existed immediately preceding the date of the Taking.

<PAGE>

      10.03.  In the event of a Taking  of less  than the  whole of the  Demised
Premises  which  occurs  during  the  period  of one  year  next  preceding  the
termination  date of this Lease,  Landlord may elect to terminate  this Lease by
giving notice to Tenant of such  election,  not more than thirty (30) days after
the actual Taking by the condemning authority,  stating the date of termination,
which date of termination  shall be no more than thirty (30) days after the date
on which such notice of termination is given and upon the date specified in such
notice,  this  Lease  and  the  term  hereof  shall  cease.  On or  before  such
termination date, Tenant shall vacate the Demised Premises,  and any of Tenant's
property  remaining in the Demised Premises  subsequent to such termination date
shall be deemed abandoned by Tenant and shall become the property of Landlord.

      10.04.  In the  event  of a Taking  of the  Demised  Premises  or any part
thereof, and whether or not this Lease is terminated, Tenant shall have no claim
against Landlord or the condemning authority for the value of the unexpired term
of this Lease.  Tenant agrees that in any  condemnation  proceeding,  Tenant may
make a claim  only for the value of  Tenant's  fixtures,  equipment  and  moving
expenses.

      11.01.  Tenant  shall not assign,  mortgage or  encumber  this Lease,  its
interest  hereunder or the estate granted hereby, nor sublet or suffer or permit
the Demised Premises or any part thereof to be used by others, without the prior
written consent of Landlord in each instance.

      11.02.  If Tenant should  assign its interest in this Lease,  or if all or
any part of the Demised  Premises be underlet or occupied by anybody  other than
Tenant,  Landlord may, after default by Tenant,  collect rent from the assignee,
under-tenant or occupant, as the case may be, and apply the net amount collected
to the rent herein reserved, but no such assignment,  underletting, occupancy or
collection  shall be deemed a waiver of this covenant,  or the acceptance of the
assignee,  under-tenant  or occupant as Tenant,  or a release of Tenant from the
further  performance  by Tenant  of  covenants  on the part of Tenant  contained
herein.  The consent by Landlord to any assignment or underletting  shall not in
any way be construed (i) to relieve Tenant from obtaining the express consent in
writing of Landlord to any further  assignment or  underletting  or (ii) release
Tenant from any of its  obligations  under this Lease,  including the payment of
rent. In no event shall any permitted  sublessee assign or encumber its sublease
or further sublet all or any portion of its sublet space, or otherwise suffer or
permit the sublet  space or any part  thereof to be used or  occupied by others,
without Landlord's prior written consent in each instance.

<PAGE>

      11.03.  If Tenant  shall  desire to assign  this  Lease,  or to sublet the
Demised  Premises or any part  thereof,  it shall no later than thirty (30) days
prior to the proposed  effective  date of the  assignment  or sublet,  submit to
Landlord  a  written  request  for  Landlord's  consent  to such  assignment  or
subletting,  which request shall contain the following information: (i) the name
and address of the proposed assignee or subtenant; (ii) the terms and conditions
of the proposed assignment or subletting;  (iii) the nature and character of the
business of the  proposed  assignee or  subtenant  and its  proposed  use of the
Demised Premises;  and (iv) current financial information regarding the proposed
assignee or sublessee and any other information  Landlord may reasonably request
("Tenant's  Notice").  Landlord  may, by notice to such  effect  given to Tenant
within  fifteen  (15) days after  either the  receipt of  Tenant's  request  for
consent or the  receipt of such  further  information  as  Landlord  may request
pursuant to this Section 11.03 above,  whichever is later,  terminate this Lease
on a date to be specified in said notice (hereinafter,  the "Termination Date"),
which date shall be not earlier  than one (1) day before the  effective  date of
the proposed  assignment or subletting  nor later than sixty-one (61) days after
said effective date. Tenant shall then vacate and surrender the Demised Premises
on or before the  Termination  Date and the Term of this Lease  shall end on the
Termination Date as if that were the Expiration Date. Landlord shall be free to,
and shall have no liability to Tenant if Landlord should,  lease all or any part
of the Demised Premises to Tenant's prospective assignee or subtenant.

      11.04.  If Landlord  shall not exercise its option to terminate this Lease
pursuant to Section 11.03 above,  then Landlord shall not unreasonably  withhold
its consent to the proposed  assignment  or  subletting  referred to in Tenant's
Notice. In no event, will Landlord give its consent thereto unless the following
further conditions shall be fulfilled:

            (1) Tenant  shall not then be in default  hereunder  beyond the time
herein provided, if any, to cure such default;

            (2) The  proposed  assignee  or  subtenant  shall  have a  financial
standing,  be of a character,  be engaged in a business,  and propose to use the
Demised Premises in a manner,  consistent with the standards and in such respect
of the other tenancies in the Building;

<PAGE>

            (3) Landlord does not or in Landlord's  reasonable judgment will not
have,  within six (6) months after the date of said  Tenant's  notice,  suitable
space available for the proposed subtenant or assignee in the Building or in any
other  building owned by Landlord in the office complex of which the Building is
a part, the proposed assignee or subtenant shall not then be a tenant, subtenant
or  assignee  of any space in the  Building  or in any other  building  owned by
Landlord  in the office  complex of which the  Building  is a part other than of
space  included  in the Demised  Premises,  nor shall the  proposed  assignee or
sublessee be a person or entity with whom Landlord is then  negotiating to lease
space in the Building or in any other  building  owned by Landlord in the office
complex of which the Building is a part;

            (4) Tenant shall reimburse Landlord on demand for any costs that may
be  incurred  by  Landlord  in  connection  with said  assignment  or  sublease,
including,  without  limitation,  the costs of making  investigations  as to the
acceptability of the proposed assignee or subtenant, and legal costs incurred in
connection with the granting of any requested  consent (said costs not to exceed
$2,000.00);

            (5) The  proposed  assignee or  sublessee  is not a person or entity
with whom Landlord has or is then negotiating to lease space to in the Building;

            (6) The form of the proposed  sublease shall be in a form reasonably
satisfactory to Landlord and shall comply with the applicable provisions of this
Article;

            (7) In  Landlord's  reasonable  judgment  the  proposed  assignee or
subtenant  is engaged in a business  and the Demised  Premises,  or the relevant
part  thereof,  will be used in a manner which (i) is  consistent  with the then
standards of the Building;  (ii) is limited to the use expressly permitted under
this lease; and (iii) will not violate any negative covenant as to use contained
in any other lease of space in the Building;

            (8) Tenant shall have complied with the  provisions of Section 11.03
and Landlord shall not have exercised its option to terminate under said Section
11.03 within the time permitted therefor.

      11.05. Every subletting hereunder is subject to the express condition, and
by accepting a sublease hereunder each subtenant shall be conclusively deemed to
have agreed,  that if this Lease should be  terminated  prior to the  Expiration
Date or if Landlord should succeed to Tenant's  estate in the Demised  Premises,
then at  Landlord's  election the subtenant  shall either  surrender the Demised
Premises to Landlord within sixty (60) days of Landlord's  request therefor,  or
attorn to and recognize Landlord as the subtenant's  landlord under the sublease
and the subtenant shall promptly execute and deliver any instrument Landlord may
request to evidence such  attornment.  Nothing  contained herein to the contrary
shall be deemed a waiver by Landlord to collect any Rent or Additional  Rent due
hereunder from the Subtenant.

<PAGE>

      11.06.  Notwithstanding  any  assignment and assumption by the assignee of
all or any part of the obligations of Tenant hereunder, Tenant herein named, and
each  immediate or remote  successor in interest of Tenant named  herein,  shall
remain liable jointly and severally (as a primary obligor) with its assignee and
all subsequent assignees for the performance of Tenant's obligations  hereunder,
and,  without  limiting the generality of the foregoing,  shall remain liable to
Landlord for all acts and omissions on the part of any assignee subsequent to it
in violation of any of the obligations of this Lease.

      11.07.  Notwithstanding  anything to the contrary contained in this Lease,
no assignment of Tenant's  interest in this Lease shall be binding upon Landlord
unless the  assignee,  and if the  assignee  is a  partnership,  the  individual
partners,  shall  execute and deliver to Landlord  an  agreement,  whereby  such
assignee agrees  unconditionally to be personally bound by and to perform all of
the  obligations  of  Tenant   hereunder  and  further   expressly  agrees  that
notwithstanding such assignment the provisions of this Article shall continue to
be  binding  upon such  assignee  with  respect to all  future  assignments  and
transfers.  A failure or refusal of such  assignee to execute or deliver such an
agreement  shall not release the assignee from its liability for the obligations
of Tenant hereunder assumed by acceptance of the assignment of this Lease.

      11.08.  If Tenant  shall  sublet the Demised  Premises to anyone for rents
which for any period  shall  exceed the Base Rent and  Additional  Rent  payable
under this Lease for the same period (computed on a pro-rata per rentable square
foot basis), Tenant shall pay Landlord, as Additional Rent hereunder, the amount
of any  rents,  additional  charges  or other  consideration  payable  under the
sublease  to  Tenant  by the  sublessee  which is in excess of the Base Rent and
Additional  Rent  accruing  during  the term of the  sublease  in respect of the
Demised  Premises  pursuant  to the terms  hereof  (computed  on a pro-rata  per
rentable square foot basis).  The sums payable under this Section 11.08 shall be
paid to Landlord as  Additional  Rent as and when  payable by the  subtenant  to
Tenant.

<PAGE>

      11.09.  Any  transfer,  by  operation  of law or  otherwise,  of  Tenant's
interest  in this  Lease (in whole or in part) or of a thirty  (30%)  percent or
greater  interest in Tenant (whether  stock,  partnership  interest,  membership
interest,  or otherwise)  shall be deemed an assignment of this Lease within the
meaning of this Article,  and, as such,  shall be subject to  Landlord's  rights
under this Article.  If there has been a previous transfer of less than a thirty
(30%) percent interest in Tenant,  then any simultaneous or subsequent  transfer
of an  interest in Tenant  which,  when added to the total  percentage  interest
previously transferred, totals a transfer of greater than a thirty (30%) percent
interest in Tenant,  shall be deemed an assignment of Tenant's  interest in this
Lease within the meaning of this Article.  Notwithstanding anything contained to
the contrary herein,  if Tenant merges with or is purchased by a company that is
otherwise  acceptable to Landlord,  Landlord will not  unreasonably  withhold or
delay its consent under the provisions of this Article XI.

      11.10. In the event that (i) Landlord fails to exercise any of its options
under this Article and  approves a proposed  assignment  or  sublease,  and (ii)
Tenant fails to execute and deliver the assignment or sublease to which Landlord
consented  within  forty-five (45) days after the giving of such consent,  then,
Tenant  shall again comply with all of the  provisions  and  conditions  of this
Article  before  assigning its interest in this Lease or subletting  the Demised
Premises, or any part thereof.

<PAGE>

      12.01.  (a) For purposes of this Article,  the following  terms shall have
the following meanings:

                  (i) The term "Landlord's Cost" shall mean the average cost per
kilowatt  hour  and  average  cost  per  kilowatt  demand,  by time  of day,  if
applicable,  to Landlord of purchasing electricity for the Building,  including,
without limitation, fuel adjustment charges (as determined for each month of the
relevant period and not averaged),  rate adjustment  charges,  sales tax, and/or
any other factors used by the public utility company (the  "Utility")  servicing
the Building in computing its charges to Landlord  applied to the kilowatt hours
of energy and kilowatts of demand  purchased by Landlord  during a given period;
and

<PAGE>

            (ii)  the  term  "Landlord's  Statement"  shall  mean an  instrument
containing a computation (or estimate  thereof) of Landlord's Cost  (hereinabove
defined),  or any  other  computation  to be made by  Landlord  pursuant  to the
provisions of this Article.

      (b) Subject to the  provisions  herein,  the parties  agree that  Landlord
shall furnish electricity to Tenant on a "submetering" basis. Landlord shall, as
part  of  LANDLORD'S  WORK,  install  a  meter  or  meters  (collectively,   the
"Submeter") at a location  designated by Landlord,  connections  from the risers
and/or circuits servicing the Demised Premises to the Submeter,  and perform all
other work necessary for the  furnishing of electric  current by Landlord to the
Demised Premises in the manner provided for in this subdivision. If, and so long
as, electric  current is supplied by Landlord to the Demised Premises to service
Tenant's  lighting  and  equipment,  Tenant  will pay  Landlord,  or  Landlord's
designated  agent,  as  additional  rent  for  such  service,  the  amounts,  as
determined by the Submeter,  for the purpose of measuring Tenant's  consumption.
The  additional  rent payable by Tenant  pursuant to this  subdivision  shall be
computed in the same  manner as that for  computation  of  Landlord's  Cost,  as
applied to the Demised  Premises.  The amounts  computed  from the  Submeter are
herein called the "Electricity  Additional Rent," and such amounts computed from
the Submeter shall be binding and conclusive on Tenant.  If the Submeter  should
fail to  properly  register or operate at any time during the term of this Lease
for any reason  whatsoever,  Landlord may estimate  the  Electricity  Additional
Rent,  and when  the  Submeter  is  again  properly  operative,  an  appropriate
reconciliation  shall be made by Tenant paying any deficiency to Landlord within
twenty (20) days after demand therefor, or by Landlord paying any overpayment to
Tenant within twenty (20) days, based upon, among other things,  any increase or
decrease in Landlord's Cost. The periods to be used in the aforesaid computation
shall be as Landlord, in its reasonable discretion, may from time to time elect.
When more than one meter measures the electric service rendered,  each meter may
be computed and billed at Landlord's option,  separately, as above set forth, or
cumulatively.  Bills for the Electricity  Additional Rent (the "Bills") shall be
rendered to Tenant at such time as Landlord may reasonable elect.

<PAGE>

      Landlord and Tenant agree that the Submeter might be installed  subsequent
to the date (the "Initial  Occupancy Date") that Tenant,  or anyone  (including,
without limitation,  any contractors or other workmen) claiming under or through
Tenant,  first  enters  the  Demised  Premises.  In  such  event,  Landlord,  at
Landlord's sole option, may either (x) estimate the Electricity  Additional Rent
payable by Tenant for the period  commencing on the Initial  Occupancy  Date and
ending on the Occupancy Reading Date (hereinafter defined), and Tenant shall pay
to Landlord, within ten (10) days after demand therefor, the amount set forth on
Landlord's estimate,  and, after rendition of a subsequent Landlord's Statement,
an appropriate reconciliation shall be made for any deficiency owed by Tenant or
any overage  paid by Tenant,  or (y) render a  Landlord's  Statement  to Tenant,
after a reading  of the  installed  Submeter  is made  (said date upon which the
Submeter is read being herein called the "Occupancy  Reading Date"), on or about
the date upon which Tenant shall have commenced  normal  business  operations in
the  Demised  Premises,  and the  amount  calculated  from the  Submeter  on the
Occupancy  Reading  Date  shall  be  determined  on a per  diem  basis  and then
multiplied  by the number of days from the Initial  Occupancy  Date  through the
Occupancy  Reading Date to arrive at the amount due for said period,  and Tenant
shall pay the Electricity  Additional Rent on the basis of such Submeter reading
within ten (10) days after  rendition of  Landlord's  Statement  detailing  such
computation.

      If any tax is imposed upon Landlord's  receipts from the sale or resale of
electric  current to Tenant by Federal,  State or  municipal  authority,  Tenant
agrees that,  unless  prohibited by law,  Tenant's  Share of such taxes shall be
passed  on to and  included  in the bill of and paid by Tenant  to  Landlord  as
additional rent.

            (c)  Landlord  shall  have  full  and  unrestricted  access  to  all
air-conditioning and heating equipment,  and to all other utility  installations
servicing the Building and the Demised Premises,  and Landlord shall endeavor to
give Tenant  reasonable  notice  (except in the case of an  emergency)  prior to
working  with any of the  aforementioned  items  within  the  Demised  Premises.
Landlord  reserves  the  right   temporarily  to  interrupt,   stop  or  suspend
air-conditioning  and heating service,  and all other utility or other services,
because of Landlord's  inability to obtain, or difficulty or delay in obtaining,
labor or materials necessary  therefor,  or in order to comply with governmental
restrictions in connection  therewith,  or for any other cause beyond Landlord's
reasonable control. No diminution or abatement of Base Rent,  Additional Rent or
other  compensation  shall be or will be claimed by Tenant, nor shall this Lease
or any of the  obligations of Tenant  hereunder be affected or reduced by reason
of such  interruptions,  stoppages  or  curtailments  the  causes  of which  are
hereinabove  enumerated,  nor shall  the same  give rise to a claim in  Tenant's
favor that such failure  constitutes actual or reconstructive,  total or partial
eviction  from the Demised  Premises,  unless such  interruptions,  stoppages or
curtailments  have been due to the  arbitrary,  willful  or  negligent  act,  or
failure to act, of Landlord.

<PAGE>

            (d)   Telephone   installation   and  service   shall  be  the  sole
responsibility of Tenant,  at Tenant's sole cost and expense.  Tenant shall make
all arrangements for telephone services with the company supplying said service,
including the deposit requirement for the furnishing of service.  Landlord shall
not be responsible for any delays occasioned by failure of the telephone company
to furnish service.  Landlord shall provide all telephone  company employees and
all telephone and computer  subcontractors with access to the Building equipment
and the main telephone distribution system.

            (e) Power  demands,  including  only Tenant's  electrical  usage for
Tenant's equipment (including P.C.'s and copy machines and like items) shall not
exceed four (4) watts per rentable square foot of the Demised Premises,  or part
thereof per hour.  Landlord  hereby  reserves to itself the right,  from time to
time,  to cause a  reputable  electric  engineering  company to make a survey of
Tenant's  energy usage to  determine  whether the four (4) watts per square foot
limitation, as set forth in this Article, have been exceeded, and if so, to what
extent.  If these surveys  indicate at any time that Tenant's energy use exceeds
the four (4) watts per  square  foot  limitation  provided  hereinabove,  Tenant
shall,  upon notice from Landlord,  immediately  reduce its usage to comply with
same. The cost of hiring Landlord's electric  engineering company shall be borne
by Landlord.  Tenant,  not later than thirty (30) days  following  the date upon
which Tenant  receives the  aforementioned  notice from  Landlord,  shall advise
Landlord  in  writing if Tenant is of the  opinion  that such  determination  is
erroneous.  In such  event,  Tenant  shall,  at its own  expense,  obtain from a
reputable electric  engineering  company its own survey of the Demised Premises.
Landlord's  electric  engineering  company  and  Tenant's  electric  engineering
company shall then agree on a final  determination.  If they cannot agree,  they
shall choose a third reputable electric  engineering  company, the cost of which
shall be shared equally by Landlord and Tenant,  to make a similar  survey.  The
determination by the third company shall be binding upon Landlord and Tenant. If
the companies  cannot agree on the choice of a third company,  said choice shall
be referred to  arbitration  pursuant to the  provisions of this Lease.  Pending
resolution  of  any  dispute,   Tenant  shall   immediately   reduce  its  usage
requirements  in  accordance  with the survey  provided by  Landlord's  electric
engineering company.

<PAGE>

      12.02.  Tenant shall make no  alterations  or additions to the  electrical
distribution  system,  electrical  equipment  or  appliances  without  the prior
written consent of Landlord in each instance.  Tenant  covenants and agrees that
at all times its use of  electric  current  shall not  exceed  the  capacity  of
existing feeders to the Building or the risers or wiring  installation  therein,
and Tenant may not use any electrical equipment which, in Landlord's  reasonable
judgment,  will overload such installations or interfere with the use thereof by
other tenants of the Building.

      12.03.  At Tenant's  option,  Tenant shall  purchase from  Landlord,  at a
reasonable,  competitive price, and Landlord shall install, at Tenant's expense,
all lamps and ballasts used in the Demised Premises.

      12.04 Tenant shall advise  Landlord with respect to any material change in
the periods of use of lighting fixtures,  business machines and other electrical
equipment within the Demised Premises.

      12.05.  Landlord  shall not be liable to Tenant  for any loss or damage or
expense  which Tenant may sustain or incur by reason of any failure,  inadequacy
or defect in the character,  quantity or supply of electric current furnished to
the Demised  Premises,  except for actual damage suffered by Tenant by reason of
any such failure,  inadequacy  or defect  caused by the wrongful  act,  wrongful
failure to act, or  negligence  of Landlord,  or  Landlord's  failure to pay the
appropriate utility company.

      12.06.  If, and only if,  Landlord is required by any governing  authority
having  jurisdiction,  Landlord  shall,  at its sole cost and expense,  have the
option,  from time to time, to take such steps as are necessary (1) to have that
portion of Tenant's electrical consumption as may be directly metered instead to
be either  calculated and paid on a rent inclusion basis,  and, where necessary,
to be  submetered  or  check-metered,  or (2) to have that  portion of  Tenant's
electrical  consumption as may be calculated and paid on a rent-inclusion  basis
instead to be directly metered or to be submetered or  check-metered,  or (3) to
have the portion of Tenant's  electrical  consumption  as may be  submetered  or
check-metered  instead to be either directly metered or calculated and paid on a
rent-inclusion basis.

<PAGE>

      12.07. Effective on the date Tenant shall first have actually occupied the
Demised Premises,  for the daily conduct of its business,  but in no event later
than the Commencement  Date,  Tenant shall pay to Landlord,  as Additional Rent,
for electrical  power serving the Building  Common Areas, at the rate of One and
10/100 Dollars  ($1.10) per annum per rentable square foot of said premises (the
"Common  Area  Electricity  Factor"),   subject  to  escalation  as  hereinafter
provided.

      12.08. The Common Area Electricity  Factor shall be subject to increase or
decrease by a percentage equal to the percentage increase or decrease in cost to
Landlord of supplying such electricity,  as a result of the occurrence of any of
the following events:

            (a) An  increase  in the  public  utility  rate  for the  supply  of
electrical energy to the Building.  As used in this Article 12, the term "public
utility  rate"  shall  include  any  fees,  tariffs,  demand  charges,  rates or
surcharges  foreseen or  unforeseen,  now or at any time in the future  imposed,
which Landlord is required to pay in connection with obtaining electrical energy
for the Building, including, without limitation, fuel adjustment increases;

            (b) An  increase  in any  sales,  excise or  similar  taxes,  or the
addition of increase in any other  similar  charges  levied for the  purchase of
electrical energy.

      Upon any adjustment of the Common Area Electricity  Factor pursuant to the
provisions  of Section  12.08,  Landlord  shall  furnish  to Tenant a  statement
setting  forth the  Additional  Rent payable  hereunder.  In no event shall such
amount be less than the Common Area Electricity Factor.

      12.09. Each adjustment in Additional Rent payable pursuant to this Article
shall  be  effective  retroactively  as of  the  effective  date  of  any of the
increases set forth in subsections (a) and (b) of Section 12.08 hereof.

      Tenant shall pay to Landlord the first  installment of Additional Rent due
as a result of any adjustments pursuant to Section 12.08 within twenty (20) days
after Landlord shall have submitted to Tenant the statement set forth therein.

<PAGE>

      13.01.  Landlord or  Landlord's  agents  shall have the right to enter the
Demised Premises in any emergency at any time, and, at other  reasonable  times,
to examine the same and to make such repairs,  replacements  and improvements as
Landlord may deem  necessary  and  desirable  to the Demised  Premises or to any
other portion of the Building or which  Landlord may elect to perform  following
Tenant's  failure to make  repairs or perform any work which Tenant is obligated
to  perform  under  this  Lease,  or for the  purpose  of  complying  with laws,
regulations  and other  directions of  governmental  authorities.  Landlord will
perform  such work in such manner as to cause  reasonably  minimal  interference
with  Tenant's use and  enjoyment of the Demised  Premises.  Tenant shall not be
entitled  to any  abatement  of rent while such work is in  progress  nor to any
damages by reason of loss or interruption  of business or otherwise.  Throughout
the term hereof  Landlord shall have the right to enter the Demised  Premises at
reasonable  hours for the purpose of showing the same to prospective  purchasers
or  mortgagees  of the Building or others and during the last twelve (12) months
of the term for the  purpose  of showing  the same to  prospective  tenants.  If
Tenant is not  present to open and permit an entry  into the  Demised  Premises,
Landlord  or  Landlord's  agents may enter the same  whenever  such entry may be
necessary or permissible by master key or forcibly, and provided reasonable care
is  exercised  to  safeguard  Tenant's  property and such entry shall not render
Landlord or its agents liable  therefor,  nor in any event shall the obligations
of Tenant hereunder be affected.

      14.01.  As set  forth on the first  page of this  Lease,  during  the Term
hereof the rent reserved under this Lease shall be and consist of:

      (i) an  annual  rent  (hereafter,  the "Base  Rent") in the  amount of TWO
HUNDRED EIGHTY TWO THOUSAND EIGHT HUNDRED FORTY ($282,840.00)  Dollars per annum
($23,570.00  per month),  which Base Rent shall  increase  annually by an amount
equal to the then  current  Base Rent  multiplied  by THREE AND  50/100  (3.50%)
percent; and

<PAGE>

      Notwithstanding  the  foregoing,  as per  Article II hereof,  no Base Rent
shall be due for the fifteenth,  twenty-fourth and twenty-fifth months following
the  Commencement  Date  (except in  connection  with a  default,  in which case
Article XX shall govern).

      (ii) all other  sums of money as shall  become  due and  payable by Tenant
      under this Lease  (hereinafter,  "Additional  Rent"),  including,  without
      limitation,  those items  specified  in Article XV of this  Lease,  all of
      which sums shall be payable  as  hereinafter  provided,  all to be paid to
      Landlord,  as specified on the first page of this Lease.  In the event any
      installment  of Base Rent or  Additional  Rent  required  pursuant  to the
      provisions  of this Lease to be paid by Tenant is not paid when due,  such
      installment  shall bear  interest at the rate of twelve (12%)  percent per
      annum from the date said installment was due and payable, said interest to
      be deemed  Additional  Rent. In addition,  Tenant shall pay upon demand by
      Landlord any attorney's  fees incurred by Landlord in connection  with the
      imposition, collection or payment of any Base Rent, Additional Rent and/or
      said interest, said attorney's fees to be deemed Additional Rent.

      15.01.  Tenant  shall pay to Landlord as  Additional  Rent real estate tax
escalations pursuant to the further provisions of this Article XV.

<PAGE>

      15.02.  For the purposes of this  Article,  the term "Taxes" shall include
the sum of all real estate taxes and assessments, special assessments, water and
sewer rents and each and every installment thereof which shall or may during the
Term of this Lease be levied,  assessed,  imposed,  become due and  payable,  or
liens upon or arising in connection with the use,  occupancy or possession of or
grow out of, or for the Building  and/or the Land, or any part thereof as if the
Building  and Land were the sole asset of  Landlord.  If at any time  during the
Term of this Lease the methods of taxation  prevailing  at the execution of this
Lease  shall be altered so that in lieu of or as a  substitute  for the whole or
any part of the taxes, assessments,  levies,  impositions or charges now levied,
assessed or imposed on real estate or the  improvements  thereon  there shall be
levied,  assessed or imposed (i) a tax, assessment,  levy,  imposition or charge
wholly or partially payable as a capital levy or otherwise on the rents received
therefrom, or (ii) a tax, assessment,  levy, imposition or charge measured by or
based in whole or in part upon the Demised  Premises and imposed upon  Landlord,
or (iii) a license  fee or charge  measured  by the rents  payable  by Tenant to
Landlord,  or (iv) a license fee or charge  measured by the rent  receivable  by
Landlord  for the Building or any portion  thereof  and/or the Land or any other
building or other  improvements  constructed on the Land, or (v) a tax,  license
fee or charge  imposed on Landlord  which is  otherwise  measured by or based in
whole or in part,  upon the Building or any portion  thereof  and/or the Land or
any other  building or other  improvements  constructed on the Land, or (vi) any
other tax or levy  imposed  in lieu of or as a  substitute  for Taxes  which are
levied,  assessed  or  imposed  as of the date of this  Lease,  then in any such
event, the same shall be included in the computation of Taxes  hereunder.  A tax
bill or copy  thereof  shall be  conclusive  evidence  of the amount of Taxes or
installments thereof.

      15.03. If, at any time subsequent to the Commencement  Date, the Taxes for
any General Tax Year and/or  School Tax Year shall be more than the Base General
Tax Year and/or Base School Tax Year,  then, in such event,  Tenant shall pay to
Landlord,  as  Additional  Rent,  Tenant's  Pro Rata share of such  excess  (the
"Excess Taxes"), in the manner provided in this Article.

      15.03.1.   Base  General  Tax  Year  shall  mean  the  taxes,  as  finally
determined,  for the General Tax Year fiscal period commencing  January 1, 2000,
and ending on December 31, 2000.

      15.03.2. Base School Tax Year shall mean the taxes, as finally determined,
for the School Tax Year fiscal  period  commencing  July 1, 2000,  and ending on
June 30, 2001.

      15.03.3. General Tax Year shall mean each period of 12 months,  commencing
on January 1 of each such  period,  in which occurs any part of the term of this
Lease,  or such other period as  hereafter  may be duly adopted by the County of
Nassau as its fiscal year for real estate tax purposes.

      15.03.4.  School Tax Year shall mean each period of 12 months,  commencing
on July 1 of each  such  period,  in which  occurs  any part of the term of this
Lease, or such other period of 12 months occurring during the term of this Lease
as hereafter may be duly adopted as the fiscal year for real estate tax purposes
of the school taxing authority.

<PAGE>

      15.04.  Landlord  shall render to Tenant a statement of the Excess  Taxes,
including a statement of the Base  General  and/or  School Tax Year  amount,  as
applicable,  and the  Additional  Rent  increase  computed as set forth in 15.03
hereof,  and such increase shall be paid within twenty (20) days after rendition
thereof.  A tax bill or copy  thereof  submitted  by Landlord to Tenant shall be
conclusive  evidence  of the amount of Taxes.  Landlord  shall have the right to
establish  an escrow to cover the  escalations  for Taxes  contemplated  by this
Article 15 and Tenant shall pay  one-twelfth  of such estimate each month on the
date in which payments of Base Rent are due, subject to adjustment at the end of
each calendar year.  Such escrow payments shall commence on the first day of the
month after receipt of notice from Landlord of the calculation of the estimate.

      15.05. Only Landlord shall be eligible to institute  proceedings to reduce
the assessed valuation of the Land or the Building.  In the event Landlord shall
obtain  a tax  refund  as a  result  of any such  reduction  proceedings,  then,
provided Tenant is not then in default under the terms of this Lease,  and after
all applicable grace periods have expired, and after the final conclusion of all
appeals or other  remedies,  Tenant shall be entitled to Tenant's Pro Rata Share
of the net refund  obtained.  As used herein,  the term "net  refund"  means the
refund plus interest, if any, thereon,  paid by the governmental  authority less
appraisal, engineering, expert testimony, attorney, printing and filing fees and
all other  Landlord  costs and expenses of the  proceeding.  Tenant shall pay to
Landlord  Tenant's  Pro  Rata  Share  of  all  appraisal,   engineering,  expert
testimony, attorney, printing and filing fees and all other reasonable costs and
expenses of the  proceeding  incurred  by Landlord in the event said  proceeding
does not result in any net refund.  Notwithstanding  anything  contained  to the
contrary herein,  Tenant shall not be entitled to any refund in excess of monies
paid by Tenant hereunder.

      15.06.  Landlord's  failure  during  the Term of this  Lease to submit tax
bills or copies  thereof to Tenant,  or Landlord's  failure to make demand under
this Article or under any other  provision of this Lease shall not in any way be
deemed a waiver of, or cause  Landlord  to forfeit  or  surrender  its rights to
collect any items of Additional  Rent which may have become due pursuant to this
Article  during the term of this Lease.  Tenant's  liability for the  Additional
Rent due under this Article shall survive the  expiration or sooner  termination
of this Lease.

<PAGE>

      15.07.  In no event shall any adjustment of Tenant's Pro Rata Share of the
Taxes payable  hereunder  result in a decrease in Base Rent or  Additional  Rent
payable  pursuant to any other provision of this Lease, it being agreed that the
payment of Additional Rent under this Article is an obligation  supplemental and
in addition to Tenant's obligation to pay Base Rent.

      15.08.  If any Tenant's  Changes  result in an  increased  real estate tax
assessment, Tenant shall pay to Landlord, as Additional Rent, the amount of such
increased assessment.

      16.01. If at any time prior to the Commencement  Date there shall be filed
by or against  Tenant in any court  pursuant to any statute either of the United
States  or  of  any  State  a  petition  in  bankruptcy  or  insolvency  or  for
reorganization  or for the  appointment  of a  receiver  or  trustee of all or a
portion of Tenant's  property,  or if Tenant makes an assignment for the benefit
of creditors,  or petitions for or enters into an  arrangement  with  creditors,
this Lease  shall ipso facto be  cancelled  and  terminated  and in which  event
neither Tenant nor any person  claiming  through or under Tenant or by virtue of
any statute or of any order of any court shall be entitled to  possession  or to
remain in  possession  of the  Demised  Premises  but shall  forthwith  quit and
surrender the Demised Premises and Landlord, in addition to the other rights and
remedies it has by virtue of any other  provisions  herein or  elsewhere in this
Lease  contained  or by  virtue of any  statute  or rule or law,  may  retain as
liquidated  damages any rent or any deposit or monies received by it from Tenant
or others on behalf of Tenant.

      16.02.  If at the  Commencement  Date or if at any time during the Term of
this Lease  there shall be filed by or against  Tenant in any court  pursuant to
any statute either of the United States or of any State a petition in bankruptcy
or  insolvency or for  reorganization  or for the  appointment  of a receiver or
trustee  of  all or a  portion  of  Tenant's  property  or if  Tenant  makes  an
assignment  for the  benefit of  creditors  or  petitions  for or enters into an
arrangement  with  creditors,  this Lease,  at the option of Landlord  exercised
within a  reasonable  time after  notice of the  happening of any one or more of
such events,  may be cancelled and  terminated by written  notice by Landlord to
Tenant and in which  event  neither  Tenant nor any person  claiming  through or
under  Tenant  by virtue of any  statute  or of any order of any court  shall be
entitled to possession  or to remain in  possession of the Demised  Premises but
shall  forthwith  quit and  surrender  the Demised  Premises  and  Landlord,  in
addition  to the  other  rights  and  remedies  it has by  virtue  of any  other
provisions  herein or  elsewhere  in this  Lease  contained  or by virtue of any
statute or rule of law,  may retain as  liquidated  damages any rent,  security,
deposit  or  monies  received  by  Landlord  from  Tenant or others on behalf of
Tenant.

<PAGE>

      16.03.  At any of the times  mentioned in either  Sections  16.01 or 16.02
hereof, if an involuntary  insolvency,  bankruptcy or reorganization  proceeding
shall be instituted  against Tenant as provided in said  Sections,  Tenant shall
have sixty (60) days in which to vacate the same before  Landlord shall have any
right to terminate this Lease.

      16.04. It is stipulated and agreed that in the event of the termination of
this Lease pursuant to Sections 16.01 or 16.02 hereof, Landlord shall forthwith,
notwithstanding any other provisions of this Lease to the contrary,  be entitled
to recover  from  Tenant as and for  liquidated  damages an amount  equal to the
difference  between the rent reserved hereunder for the unexpired portion of the
Term of this Lease and the fair market rental value of the Demised Premises,  if
lower than the rent  reserved,  at the time of  termination,  for the  unexpired
portion  of the Term of this  Lease,  both  discounted  at the rate of four (4%)
percent per annum to present worth thereof. Nothing contained herein shall limit
or prejudice the right of Landlord to prove for and obtain as liquidated damages
by reason of such  termination  an amount  equal to the  maximum  allowed by any
statute or rule of law in effect at the time when, and governing the proceedings
in which, such damages are to be proved,  whether or not such amount be greater,
equal to,  or less  than the  amount of the  difference  referred  to above.  In
determining  the fair  market  rental  value of the  Demised  Premises  the rent
realized by any  arms-length  re-letting,  if such reletting be  accomplished by
Landlord  within a reasonable  time after  termination  of this Lease,  shall be
deemed prima facie  evidence of the fair market rental value.  Any disputes with
respect to the fair  market  rental  value  shall be  resolved  pursuant  to the
arbitration provisions of this Lease.

<PAGE>

      17.01.  Tenant  shall give  prompt  notice to  Landlord in case of fire or
other damage to the Demised Premises or the Building.

      17.02. If the Demised Premises or the Building shall be damaged by fire or
other  casualty,  Landlord,  at  Landlord's  expense,  shall repair such damage.
However,  Landlord  shall  have no  obligation  to repair  any  damage to, or to
replace,  Tenant's personal property or any other property or effects of Tenant.
If the Demised  Premises  shall be rendered  untenantable  by reason of any such
damage,  the Base Rent and  Additional  Rent shall abate for the period from the
date of such damage to the date when such damage  shall have been  substantially
repaired,  and if only a part  of the  Demised  Premises  shall  be so  rendered
untenantable,  the Base Rent and Additional  Rent shall abate for such period in
the  proportion  which the  Rentable  Area of the  Demised  Premises so rendered
untenantable bears to the total Rentable Area of the Demised Premises.  However,
if, prior to the date when all of such damage shall have been repaired, any part
of the Demised  Premises so damaged  shall be rendered  tenantable  and shall be
used or occupied by Tenant or other  persons  claiming  through or under Tenant,
then the amount by which the Base Rent and Additional  Rent shall abate shall be
equitably  apportioned for the period from the date of any such use or occupancy
to the date  when all such  damage  shall  have  been  repaired.  Tenant  hereby
expressly  waives the  provisions  of Section 227 of the New York Real  Property
Law, and of any  successor  law of like import then in force,  and Tenant agrees
that the provisions of this Article shall govern and control in lieu thereof.

      17.03.  Notwithstanding the foregoing provisions of this Article, if prior
to or during the term of this Lease,  (i) the Demised  Premises shall be totally
damaged  or  rendered  wholly  untenantable  by fire or other  casualty,  and if
Landlord shall decide not to restore the Premises, or (ii) the Building shall be
so damaged by fire or other  casualty that, in Landlord's  opinion,  substantial
alteration,  demolition,  or  reconstruction  of the Building  shall be required
(whether  or not the  Demised  Premises  shall  have been  damaged  or  rendered
untenantable),  then, in any of such events,  Landlord at Landlord's option, may
give to Tenant,  within  ninety (90) days after such fire or other  casualty,  a
five (5) days'  written  notice of  termination  of this Lease and, in the event
such  notice is given,  this  Lease and the Term shall come to an end and expire
(whether or not said Term shall have commenced) upon the expiration of said five
(5) days with the same effect as if the date of expiration of said five (5) days
were the  expiration  date,  and the  Base  Rent and  Additional  Rent  shall be
apportioned  as of such date and any prepaid  portion for any period  after such
date shall be refunded by Landlord to Tenant.

<PAGE>

      17.04.  If this Lease shall not be terminated as provided in Section 17.03
hereof,  Landlord shall, at its expense,  repair or restore the Demised Premises
with  reasonable   diligence  and  dispatch,   substantially  to  the  condition
immediately  prior to the casualty except that Landlord shall not be required to
repair  or  restore  any of  Tenant's  leasehold  improvements  or  betterments,
furniture, furnishings,  decorations or any other installations made at Tenant's
expense.  All insurance  proceeds payable to Tenant for such items shall be held
in trust by Tenant and upon the completion by Landlord of repair or restoration,
Tenant  shall  prepare  the  Premises  for  occupancy  by Tenant  in the  manner
obtaining  immediately  prior to the damage or  destruction  in accordance  with
plans and specifications approved by Landlord.

      17.05.   In  no  event  shall   Landlord  be  liable  to  Tenant  for  any
consequential damages to or loss of business suffered by Tenant by reason of any
damages or casualty,  regardless of fault,  and apart from the  apportionment of
rent required under Section 17.02 in the event a portion of the Demised Premises
is rendered  untenantable,  Tenant's  sole  recourse  for any  damages  shall be
against Tenant's  insurance  company,  regardless of fault, and Tenant waives on
its own  behalf  and on  behalf  of any  insurer,  any  claim  therefor  against
Landlord.

      18.01. Tenant shall maintain with responsible  companies which are A rated
or better in Best's  Insurance Guide and approved by Landlord (i)  Comprehensive
General Liability Insurance, against all claims, demands or actions for personal
injury to or death of any one  person  in an amount of not less than  $1,000,000
and for  injury  to or death of more  than one  person  in any one  accident  or
occurrence to the limit of not less than  $3,000,000  and for damage to property
in an  amount  of not less than  $500,000  made by or on  behalf of any  person,
arising from, related to, or in any way connected with the conduct and operation
of  Tenant's  use of or  occupancy  of the  Premises,  or caused by  actions  or
omissions to act, where there is a duty to act, of Tenant, its agents,  servants
and  contractors,  which  insurance  shall name  Landlord,  its managing  agent,
mortgagee,  if any and any other designees as additional insureds; (ii) property
insurance  against  hazards  covered by an all risk  coverage  insurance  policy
(including fire, extended coverage, vandalism,  malicious mischief and sprinkler

<PAGE>

leakage) as Landlord may reasonably,  from time to time,  require,  covering all
fixtures and equipment, stock in trade, furniture, furnishings,  improvements or
betterments  installed  or made by Tenant  in, on or about the  Premises  to the
extent  of at least  100% of their  replacement  value,  without  deduction  for
depreciation,  but in any event in an amount  sufficient to prevent  Tenant from
becoming  a  co-insurer  under  provisions  of  applicable  policies;  and (iii)
worker's  compensation  insurance  covering all persons employed by Tenant or in
connection  with  any work  performed  by  Tenant.  Said  Comprehensive  General
Liability  Insurance  shall also contain  provisions for  contractual  liability
insurance under the  comprehensive  general  liability  section of the insurance
certificate  in an amount not less than  $1,000,000,  and business  interruption
insurance covering Tenant's business. All of Tenant's insurance shall be in form
satisfactory  to  Landlord  and shall  provide  that it shall not be  subject to
cancellation, termination or change except after at least thirty (30) days prior
written notice to Landlord. All policies required pursuant to this Section 18.01
or duly executed  certificates for the same shall be deposited with Landlord not
less than 10 days prior to the day Tenant is expected to take occupancy and upon
renewals of said  policies not less than 15 days prior to the  expiration of the
term of such coverage. All such policies or certificates shall be delivered with
satisfactory  evidence  of the  payment of the premium  therefor.  Landlord  and
Tenant  mutually  agree  that  with  respect  to any loss  which is  covered  by
insurance then being carried by them respectively, or required to be carried, or
as to any  coverage  which  Landlord  agrees  need  not be  carried,  the  party
suffering a loss,  releases  the other from any and all claims  with  respect to
such loss; and Tenant further agrees that its insurance  companies shall have no
right of subrogation against Landlord or its agents on account thereof.

<PAGE>

      18.02.  Tenant  shall pay on demand any  increase in premiums  that may be
charged  on  insurance  carried  by  Landlord  resulting  from  Tenant's  use or
occupancy of the Premises, whether or not Landlord has consented to the same. In
determining  whether  increased  premiums  are the  result  of  Tenant's  use or
occupancy  or  vacancy  of the  Premises,  a schedule  or  "makeup"  rate of the
organization  issuing the fire  insurance,  extended  coverage,  vandalism,  and
malicious mischief, special extended coverage or any or all risk insurance rates
for the Demised Premises or any rule books issued by the rating  organization or
similar  bodies  or by  rating  procedures  or  rules  of  Landlord's  insurance
companies  shall be  conclusive  evidence of the several items and charges which
make up the insurance  rates and premiums on the Premises and the Building.  If,
due to the (i) occupancy,  or (ii)  abandonment,  or (iii)  Tenant's  failure to
occupy the Demised  Premises as herein  provided,  any such  insurance  shall be
cancelled by the  insurance  carrier,  then,  in any of such events Tenant shall
indemnify  and hold  Landlord  harmless  against  any loss which would have been
covered by such  insurance.  Tenant  also shall pay any  increase in premiums on
such rent  insurance  as may be carried by Landlord for its  protection  against
rent loss through fire or other casualty, if such increase shall result from any
of the foregoing events.

      19.01.  Landlord,  at its cost and expense,  shall  provide to Tenant such
passenger and freight  elevator  service during normal business hours and normal
business  days (as said terms are defined in Section  19.07  hereof) as shall be
reasonably  necessary for the  accomplishment of the Permitted Use. Tenant shall
pay as Additional Rent hereunder the costs and expenses  incurred by Landlord in
providing  additional  elevator  service beyond normal business hours and normal
business  days.  However,  Landlord  shall be under no obligation to provide any
such additional elevator service.

      19.02. Landlord, at its cost and expense, shall maintain, operate and keep
in good working order and repair the base building air-conditioning, heating and
ventilating  systems.  Subject to any applicable policies or regulations adopted
by any  utility  or  governmental  authority,  the  aforesaid  systems  shall be
operated by Landlord  during normal  business hours on normal  business days (as
said terms are hereinafter  defined) when  seasonably  required as determined by
Landlord.  In the event  Tenant  shall  require  air-conditioning,  heating  and
ventilation services for any part of the Demised Premises beyond normal business
hours or beyond normal business days,  Landlord shall furnish such services upon
not less than twenty -four (24) hours prior written notice from Tenant  received
by Landlord during normal business hours.

<PAGE>

      19.03.  Tenant  covenants  that it  will  at all  times  comply  with  all
regulations  and  requirements  which Landlord may reasonably  prescribe for the
proper  functioning and protection of said  air-conditioning  system. Any use or
occupancy of the Demised  Premises  during the hours or days  Landlord is not so
required  pursuant  to  this  Article  to  furnish  heat,   ventilation  or  air
-conditioning to the Demised Premises shall be at the sole risk,  responsibility
and hazard of Tenant.  If  Tenant's  use of the  Demised  Premises,  or any part
thereof,  exceeds the design condition  limitations of the heating,  ventilating
and air-conditioning  systems (including occupancy of one person per 100 useable
square feet and total  electrical  load from Tenant's light and power of 4 watts
per rentable square foot), or if Tenant  rearranges  partitions in such a manner
as to interfere  with the normal  operations of these  systems,  Landlord at its
option  and at  Tenant's  expense,  may make the  changes to said  systems  made
necessary by said use or said rearrangement.

      19.03.1 In the event Tenant requires supplemental heating, ventilation and
air conditioning,  such additional  equipment will be installed by Landlord,  at
Tenant's  sole  cost  and  expense,  provided  that,  in  Landlord's  reasonable
judgment,  same will not cause  damage  or  injury to the  Building  or create a
dangerous  or  hazardous   condition   or  entail   excessive  or   unreasonable
alterations, repairs, or expense or interfere with or disturb other tenants; and
Tenant shall  reimburse  Landlord in such an amount as will  compensate  for the
cost incurred in operating such additional equipment.  Tenant shall hire, at its
own cost and expense,  a reputable service contractor to maintain and repair any
supplemental   heating,   ventilation  and  air   conditioning   equipment  that
exclusively services the Demised Premises, and Tenant shall supply Landlord with
copies of service or maintenance  contracts  entered into with such  contractor.
Landlord shall have no responsibility  for the maintenance,  repair or operation
of such supplemental equipment.

      19.04.  Landlord,  at its cost and expense but subject to reimbursement as
provided in this Section 19.04 hereof,  shall  furnish  janitorial  and cleaning
services in the Demised Premises in accordance with the "Cleaning and Janitorial
Service"  requirements attached as Exhibit "B" hereto. Tenant shall pay Landlord
a reasonable charge for any extra cleaning work in the Demised Premises required
because  of (i)  misuse or  neglect  on the part of Tenant or its  employees  or
visitors;  (ii)  private  lavatories  or  toilets  or other  special  facilities
requiring  greater or more  difficult  cleaning  work than normal  office areas;
(iii) the cleaning of unusual  quantities  of interior  glass  surfaces or other
non-building  standard  materials or finishes  installed by Tenant;  or (iv) the
removal  of so much of any refuse and  rubbish  of Tenant as shall  exceed  that
ordinarily  accumulated  daily in the  routine  of  business  office  occupancy.
Landlord,  its cleaning  contractor and their employees shall have access to the
Demised  Premises subject to Tenant's  reasonable  security  requirements  after
normal  business  hours  and such use of light,  power and water in the  Demised
Premises  as is  reasonably  required  for  cleaning  the  Demised  Premises  in
accordance with said Exhibit "B".

<PAGE>

      19.05.  Landlord  shall furnish,  at its cost and expense,  tepid and cold
water for ordinary  lavatory,  drinking and office  cleaning  purposes only. The
cost of heating water for use or consumption in connection with the operation of
any dining or kitchen areas located in the Demised Premises,  if so permitted by
Landlord as hereinafter provided,  shall be at a reasonable additional charge to
Tenant.  If Tenant requires,  uses or consumes water for any other purpose or in
unusual quantities (of which fact Landlord shall be the sole judge) Landlord may
install a water meter at Tenant's expense which Tenant shall thereafter maintain
at Tenant's  expense in good working order and repair to measure  Tenant's water
consumption  and Tenant shall pay for all water  consumed as shown on said meter
(or as  determined  by  survey)  as  Additional  Rent as and when the  bills are
rendered  and in default in making such  payment,  Landlord may pay such charges
and collect same from Tenant. If a water meter is so installed, Tenant covenants
and  agrees to pay its Pro Rata Share of the sewer  rents and all other  charges
which are now or hereafter assessed, imposed or may become a lien on the Demised
Premises,  or the Building.  Such a meter shall also be installed and maintained
at  Tenant's  sole  expense  if  required  by  applicable  law  or  governmental
regulation or order.

      19.06. No sign or signs,  except in uniform style and uniform  location as
fixed by Landlord in its signage specification,  will be permitted in the public
corridors,  or on corridor doors or entrances,  or on exterior  windows or other
glass to the Demised  Premises.  No sign shall be affixed or installed by Tenant
in or outside of the  Demised  Premises  without  the prior  written  consent of
Landlord.  Tenant agrees to promptly remove such signage if Landlord  undertakes
any renovations or design improvements and Landlord determines that such signage
interferes  with  or  is  inconsistent  with  such  subsequent   renovations  or
improvements.  If  Landlord  elects to remove  such  signage or any  signage not
approved by Landlord,  Tenant shall,  upon five (5) days' notice from  Landlord,
pay Landlord all costs and expenses, together with interest, for the removal and
restoration of same. Landlord,  at Landlord's expense, will furnish and install,
adjacent to the suite entrance,  a building standard plaque for Tenant.  Plaques
will exhibit the suite number and the Tenant's  name.  Additional  names will be
deemed to be in excess of building standard.  Tenant must submit a sample of the
proposed signage which must match Landlord's quality, style, color and all other
particulars of Landlord's building standard signage. Tenant shall be entitled to
the  building  standard  quality  and  size of  building  directory  listing  as
requested.

<PAGE>

      19.07.  For the purpose of this Article,  "normal  business hours" for the
Demised  Premises shall be from 8:00 A.M. to 6:00 P.M. on weekdays and from 9:00
A.M.  to 1:00 P.M.  on  Saturdays.  Normal  business  hours shall be observed on
"normal  business  days,"  which  shall be all days  except  Sundays  and  those
holidays listed on Exhibit "C" annexed hereto.

      19.08.  Landlord  reserves  the right to  interrupt,  curtail  or  suspend
services  of  the  water,  heating,  air-conditioning,   ventilating,  elevator,
plumbing and electric systems,  when necessary for repairs or alterations which,
in the sole  judgment of Landlord are desirable or necessary to be made, or when
required by any  governmental  law, order or regulation,  or for any other cause
beyond the  reasonable  control of Landlord,  until such time as said repairs or
alterations shall have been completed.  Landlord shall have no responsibility or
liability  for  failure  to  supply  heat,  water,  air-conditioning,  elevator,
plumbing,  electric,  cleaning and janitor services during said period,  or when
prevented from so doing by strikes, accidents, or by any cause beyond Landlord's
control or by governmental laws, orders, or regulations or failure of a suitable
fuel supply, or inability by exercise or reasonable diligence to obtain suitable
fuel.  Landlord will use reasonable  efforts to remove or eliminate the cause of
any such failure as promptly as  possible.  No  diminution  or abatement of Base
Rent,  Additional Rent or other  compensation shall or will be claimed by Tenant
as a  result  therefrom,  nor  shall  this  cause  any of  Tenant's  obligations
hereunder to be affected or reduced by reason of such interruption,  curtailment
or suspension.

      19.09.  Landlord shall render bills  concerning  all services  provided to
Tenant by Landlord which costs are the  responsibility of Tenant to pay pursuant
to the terms of this  Article,  with all such sums so billed due and  payable by
Tenant as Additional Rent within thirty (30) days after the date said bill shall
have  been  rendered  to  Tenant.  The  costs  of such  services  shall  include
Landlord's  actual  costs  for  fuels,  electricity  and  reasonable  associated
personnel salaries and benefits.

<PAGE>

      19.10.  Tenant  shall  have no right to  maintain  any  facilities  in the
Demised  Premises for cooking or the preparation of food in any form without the
prior  written  consent of  Landlord.  Without  limiting the  generality  of the
foregoing, Tenant shall not install or maintain in the Demised Premises a gas or
electric  range,  electric or microwave  ovens,  hot plates or  so-called  Dwyer
kitchen units.  Tenant shall have the right to maintain a machine for the making
of hot beverages,  provided the electric consumption thereof does not exceed the
capacity of the electric service to the Demised Premises.

      20.01.  Tenant shall observe  strictly with the rules and  regulations set
forth in Exhibit "D" annexed hereto and such other and further  reasonable rules
and  regulations  as Landlord or  Landlord's  agents may from time to time adopt
(such rules and  regulations as have been or may hereafter be adopted or amended
are hereinafter the "Rules and Regulations").

      21.01.  Landlord or its employees,  agents or managing agents shall not be
liable for any damages or injury to  property of Tenant or of any other  person,
including property entrusted to employees of Landlord,  nor loss of or damage to
any  property of Tenant by theft or  otherwise,  nor for any injury or damage to
persons or property resulting from any cause whatsoever arising from the acts or
neglect of any Tenant,  occupant,  invitee or licensee of the Building,  nor for
any  consequential  damages or loss of business  suffered by Tenant, or from any
other  cause  whatsoever,  unless  caused by the  unlawful  act or  omission  of
Landlord, or such damage or injury is caused by Landlord's negligence, nor shall
Landlord or its  agents,  employees,  or managing  agents be liable for any such
damage  caused by other  tenants or persons in, upon or about the  Building,  or
caused by  operations in  construction  of any private,  public or  quasi-public
work; nor shall Landlord be liable for any latent defect in the Demised Premises
or in the Building. Notwithstanding the foregoing, in no event shall Landlord be
liable for any loss or damage for which Tenant has, or is required  hereunder to
carry, insurance.

<PAGE>

                                  ARTICLE XXII

      22.01. Tenant shall indemnify and save Landlord and its employees,  agents
(including,  but not limited to managing  agents)  harmless from and against (i)
any and all claims  against  Landlord of whatever  nature  arising from any act,
omission  or  negligence  of Tenant,  its  contractors,  licensees,  subtenants,
agents,  servants,  employees,  invitees or  visitors,  (ii) all claims  against
Landlord arising from any accident,  injury or damage  whatsoever  caused to any
person or to the  property of any person and  occurring  during the term of this
Lease in or about the Demised Premises,  except as due to Landlord 's negligence
or  willful  misconduct  (iii) all  claims  against  Landlord  arising  from any
accident,  injury  or damage  occurring  outside  of the  Demised  Premises  but
anywhere  within or about the  Building  where such  accident,  injury or damage
results or is  claimed to have  resulted  from an act or  omission  of Tenant or
Tenant's  agents,  employees,  subtenants,  invitees or  visitors,  and (iv) any
breach, violation or non-performance of any covenant,  condition or agreement in
this Lease set forth and contained on the part of Tenant to be fulfilled,  kept,
observed and performed. This indemnity and hold harmless agreement shall include
indemnity from and against any and all liability,  consequential damages, fines,
suits,  demands,  costs and  expenses  of any kind or nature  incurred  in or in
connection with any such claim or proceeding brought thereon (including, without
limitation, attorneys' fees), and the defense thereof.

      23.01. Subject to the Parking Area Rules and Regulations annexed hereto as
part of Exhibit "D",  Tenant and its employees shall be permitted to park in the
underground  parking lot serving the Building.  Tenant  understands that parking
spaces  shall  not be  reserved  but shall be  available  on a  first-in  basis.
Tenant's servants,  employees,  agents, visitors, and licensees shall park their
passenger  vehicles,  trucks or delivery  vehicles  only in areas  designated by
Landlord as areas for such parking. All cars must vacate the underground parking
lot by 7:00 p.m. Monday through Friday and by 1:15 p.m. on Saturday. If a car is
not removed as stated  above,  Tenant shall have no access to the car until 8:00
a.m. on the next business day. All posted signs governing the use of underground
and  on-grade  parking  must be honored and the speed  limit  within the parking
areas is  limited  to 20 miles  per  hour.  Landlord  retains  the  right to ban
specific  licensed  cars from all  parking  facilities  in the event of multiple
violations by specific  cars driven by Tenant,  its  employees,  its invitees or
others who claim to be on  Landlord's  premises  for  purposes  of  visiting  or
performing  functions  on  behalf of  Tenant.  Notwithstanding  anything  to the
contrary  herein,  Tenant  shall be  allowed  forty-seven  (47) car spots in the
underground  parking lot at the Building,  on a general  unassigned basis, at no
additional  charge.  Landlord shall have no  responsibility  for  maintaining or
removing  vehicles from any such parking spaces.  In the event that any existing
tenancies are terminated and reserved parking spaces become available,  Landlord
shall make available to Tenant up to seven (7) designated parking spaces.

<PAGE>

      24.01.  If Tenant shall default in the  observance or  performance  of any
obligation of Tenant under this Lease, then, unless otherwise provided elsewhere
hereunder,  Landlord may  immediately or at any time  thereafter  without notice
perform such  obligation of Tenant  without  thereby  waiving such  default.  If
Landlord,  in connection  therewith incurs any costs including,  but not limited
to,  attorneys  fees in  instituting,  prosecuting  or  defending  any action or
proceeding,  such costs with  interest at the rate of twelve  (12%)  percent per
annum,  shall be deemed to be  Additional  Rent  hereunder  and shall be paid by
Tenant to Landlord within five (5) days of rendition of any bill or statement to
Tenant therefor.

      25.01.  Tenant  shall  be  deemed  in  default  of the  obligations  to be
performed by it pursuant to the provisions of this Lease if Tenant shall fail to
make  payment of the Base Rent,  or of any item of  Additional  Rent,  or of any
other payment reserved herein within the time provided in this Lease for payment
of same to be made,  and said failure  (other than the failure to pay Base Rent)
continues for a period of five (5) days after written notice thereof is given by
Landlord,  or if Tenant shall fail to fulfill any of the covenants of this Lease
(other than the  covenants  for the payments  reserved  herein) and said failure
shall  continue for a period of ten (10) days after  written  notice  thereof is
given by  Landlord  specifying  such  failure  (or,  in the case of a default or
omission the nature of which cannot be completely  cured or remedied  within ten
(10) days, and Tenant shall not have  diligently  commenced  curing such default
within said ten (10) day period and not thereafter with reasonable  dispatch and
diligence  and in good faith  proceeded to remedy or cure such  default,  all in
Landlord's  sole  judgment),  or if Tenant shall fail to take  possession of the
Demised Premises within fifteen (15) days after the Commencement Date, or if the
Demised Premises shall become vacant or deserted, or if the Demised Premises are
damaged by reason of negligence or carelessness  of Tenant,  or if any execution
or attachment shall be issued against Tenant.  In the event of such a default by
Tenant,  Landlord may give five (5) days notice of its intention to end the Term
of this Lease ("Notice of Termination")  and thereupon at the expiration of said
five (5) days,  the Term of this Lease shall expire.  Tenant shall then quit and
surrender the Demised Premises, but shall remain liable as hereinafter provided.

<PAGE>

      25.02.  If the  Notice of  Termination  shall have been given and the Term
hereof shall expire as  aforesaid,  then and in such event  Landlord may without
additional notice re-enter the Demised  Premises,  either by force or otherwise,
and dispossess  Tenant and the legal  representative of Tenant or other occupant
of the Demised Premises by summary proceedings or otherwise remove their effects
and hold the Demised Premises as if this Lease had not been made, and Tenant and
its legal representative or other occupant of the Demised Premises hereby waives
service of notice of intention to re-enter or to institute legal  proceedings to
that end.  If Tenant  shall  default  hereunder  prior to the date  fixed as the
commencement of any renewal or extension of this Lease, then Landlord may cancel
and terminate such renewal or extension.

      25.03. In case of any such default, re-entry, expiration and/or dispossess
by  summary  proceedings  or  otherwise,  as  aforesaid,  (i) the Base  Rent and
Additional  Rent due at the time of said default  shall become due thereupon and
be paid up to the time of such reentry,  dispossess and/or expiration,  together
with such  expenses as Landlord may incur for legal  expenses,  attorneys  fees,
brokerage  fees  and/or  putting  the  Demised  Premises  in good  order  or for
preparing the same for re-rental;  (ii) Landlord may re-let the Demised Premises
or any part or parts thereof, either in its own name or otherwise, for a term or
terms which may, at its option, be shorter or longer than the period which would
otherwise have constituted the remainder of the Term of this Lease and may grant
concessions or free rent, to such extent as Landlord in Landlord's sole judgment
considers  advisable and  necessary to re-let the same;  and (iii) Tenant or its
successors  shall also pay to Landlord as liquidated  damages for the failure of
Tenant to observe and  perform its  covenants  contained  herein any  deficiency
between the Base Rent and Additional Rent hereby reserved and the net amount, if
any,  of the rents  collected  on account of the lease or leases of the  Demised

<PAGE>

Premises  or parts  thereof for each month of the period  which would  otherwise
have  constituted the remainder of the Term of this Lease;  and (iv) that Tenant
or its  successors  shall also pay to  Landlord  Base Rent and  Additional  Rent
payable by Tenant to Landlord for any period  during which  Landlord  shall have
given to Tenant any  abatement of Base Rent and/or  Additional  Rent pursuant to
the  provisions  of this  Lease.  The  failure of Landlord to re-let the Demised
Premises  or any part or parts  thereof  shall not  release  or affect  Tenant's
liability  for damages.  In computing the aforesaid  liquidated  damages,  there
shall be added to said  deficiency  such  expenses  as  Landlord  shall incur in
connection  with  such  re-letting,  such as legal  expenses,  attorneys'  fees,
brokerage, advertising and for restoring the Demised Premises to or keeping same
in good working  order.  Any such  liquidated  damages  shall be paid in monthly
installments  on the rent day  specified  in this Lease and any suit  brought to
collect the amount of the  deficiency  for any month shall not  prejudice in any
way the rights of Landlord to collect the deficiency for any subsequent month by
a similar proceeding.  Upon Landlord's permitted entry hereunder,  Landlord,  at
its option, may make such alterations,  repairs, replacements and decorations in
the Demised Premises as Landlord,  in its sole judgment,  considers advisable or
necessary for the purpose of re-letting the Demised Premises,  and the making of
such  alterations and  decorations  shall not operate or be construed to release
Tenant from liability hereunder. Landlord shall in no event be liable in any way
whatsoever for failure to re-let the Demised Premises, or, in the event that the
Demised Premises are re-let,  for reasonable failure to collect the rent thereof
under such re-letting,  and, in no event shall Tenant be entitled to receive any
excess of such net rent  collected  above the sums payable by Tenant to Landlord
hereunder.  Mention in this Lease of any  particular  remedy  shall not preclude
Landlord from any other remedy in law or equity.  Tenant hereby expressly waives
any and all rights of redemption  granted by or under any present or future laws
in the event of Tenant being evicted or  dispossessed,  for any cause, or in the
event of Landlord obtaining  possession of the Demised Premises by reason of the
violation of Tenant of any of the  covenants and  conditions  of this Lease,  or
otherwise. It is expressly stipulated and agreed that Tenant shall be and remain
liable  for all of its  obligations  under  this  Lease  following  termination,
eviction or abandonment, it being understood and agreed that, anything contained
in this Lease to the  contrary  notwithstanding,  that  Landlord  has no duty to
mitigate Tenant's damages and may simply leave the Demised Premises vacant until
the end of the originally stated Term and demand all rent from Tenant.

         25.04. It is stipulated and agreed that in the event of the termination
of this  Lease  pursuant  to the  provisions  of this  Article,  Landlord  shall
forthwith, notwithstanding any other provisions of this Article or of this Lease
to the  contrary,  be entitled  (in addition to all other rights and remedies at
law or in equity or elsewhere  provided in this Lease) to recover from Tenant as
and for  liquidated  damages an amount equal to the excess of (a) the sum of (i)
Base Rent for the  unexpired  portion  of the Term of this  Lease plus (ii) that
Base Rent and  Additional  Rent  payable  by Tenant to  Landlord  for any period
during  which  Landlord  shall have given to Tenant any  abatement  of Base Rent
and/or  Additional  Rent pursuant to the provisions of this Lease,  over (b) the
fair  market  rental  value of the  Demised  Premises,  if  lower  than the rent
reserved,  at the time of termination,  for the unexpired portion of the Term of
this  Lease,  discounted  at the rate of four (4%)  percent per annum to present
worth.  Nothing  contained herein shall limit or prejudice the right of Landlord
to prove for and obtain as liquidated  damages by reason of such  termination an
amount  equal to the maximum  allowed by any statute or rule of law in effect at
the time when, and governing the  proceedings  in which,  such damages are to be
proved, whether or not such amount be greater, equal to, or less than the amount
of the difference referred to above. In determining the fair market rental value
of the Demised  Premises,  the rent realized by any arms-length  re-letting,  if
re-letting be  accomplished  by Landlord within such a reasonable time after the
termination  of this Lease,  shall be deemed,  prima facie  evidence of the fair
market rental value.

<PAGE>

      25.05.  For the purposes of this Article,  any notice required to be given
by Landlord under the provisions of this Article may be given by either Landlord
or by Landlord's managing agent or attorneys.

      26.01.  Landlord  covenants  that upon  Tenant's  paying the Base Rent and
Additional Rent and other sums due under this Lease and observing and performing
all of the  terms,  conditions,  rules  and  covenants  herein on its part to be
observed  and  performed,  Tenant may  peaceably  and quietly  enjoy the Demised
Premises, subject,  nevertheless,  to the terms and conditions of this Lease and
any ground  leases,  or other leases,  mortgages and  instruments  to which this
Lease is subordinate  pursuant to the provisions  hereof,  including any and all
extensions and modifications of all of the foregoing.

      27.01.  Tenant  represents  that it has dealt  with no broker  other  than
SUTTON & EDWARDS, INC. with this Lease and Tenant hereby agrees to indemnify and
hold Landlord harmless of and from any and all losses, costs, damages or expense
(including,  without limitation,  attorneys' fees and disbursements) incurred by
Landlord by reason of any claim of or  liability  to any other broker who claims
to have dealt with  Tenant in  connection  with this Lease.  Landlord  shall pay
Sutton & Edwards,  Inc.,  such brokerage fee as may be due it pursuant to and in
accordance with Landlord's separate agreement with Sutton & Edwards, Inc.

<PAGE>

         28.01.  Each party  shall,  at any time and from time to time,  without
cost or charge,  at the request of the other party,  upon not less than five (5)
days'  notice,  if given in person,  or ten (10) days notice,  if given by mail,
execute and deliver to the other a certificate evidencing whether or not

            (a) this  Lease is in full  force and  effect (or if there have been
      any modifications or amendments hereof, that the same is in full force and
      effect as modified or amended,  as the case may be, and submitting  copies
      of such modifications or amendments, if any);

            (b) there are any existing  defaults  hereunder to the  knowledge of
      the party  executing the  certificate,  and  specifying the nature of such
      defaults, if any;

            (c) the dates to which the Base Rent and any Additional Rent and all
      other charges payable hereunder have been paid;

            (d) whether or not, to the best  knowledge of the signer,  the other
      party is in default in the performance of any of its obligations under the
      Lease,  and, if so,  specifying  each such default of which the signer may
      have knowledge; and

            (e) any  improvements  required  to be made by  Landlord  have  been
      completed in accordance with the terms of this Lease.

      28.02. Tenant shall, upon the Commencement Date of this Lease, execute and
deliver to Landlord a Tenant  Estoppel  Certificate  in  substantially  the form
attached hereto as Exhibit E.

      28.03. It is agreed by the parties hereto that the certificate  referenced
in  Sections  28.01 and 28.02  hereof may be relied upon by anyone with whom the
party requesting such certificate may be dealing.

      28.04.  In the event that Tenant shall fail to comply with the  provisions
hereunder,  Tenant appoints  Landlord its  attorney-in-fact  to execute any such
certificate on Tenants' behalf.

      29.01.  Upon  expiration or other  termination  of the Term of this Lease,
Tenant shall (i) quit and  surrender to Landlord  the Demised  Premises  vacant,
broom clean,  in good order and condition,  normal wear and tear  excepted,  and
(ii) remove all its property  therefrom,  except as otherwise expressly provided
in this Lease.  Tenant's  obligation to observe or perform this  covenant  shall
survive the expiration or other  termination  of the Term of this Lease.  If the
last day of the Term of this Lease falls on a Sunday, this Lease shall expire at
noon on the preceding  Saturday,  unless it be a legal holiday, in which case it
shall expire at noon on the previous business day.

<PAGE>

         29.02. Tenant acknowledges that possession of the Demised Premises must
be surrendered  to Landlord at the expiration or sooner  termination of the Term
of this Lease. Tenant agrees to indemnify and save Landlord harmless against all
costs,  claims,  loss  or  liability  resulting  from  delay  by  Tenant  in  so
surrendering the Demised Premises,  including,  without  limitation,  any claims
made by any succeeding  tenant founded on such delay. The parties  recognize and
agree that the damage to Landlord resulting from any failure by Tenant to timely
surrender  possession  of the Demised  Premises as  aforesaid  will be extremely
substantial,  will  exceed  the  amount  of the Base  Rent and  Additional  Rent
theretofore  payable  hereunder,  and will be impossible to accurately  measure.
Tenant  therefore  agrees  that if  possession  of the  Demised  Premises is not
surrendered  to  Landlord  within 24 hours after the date of the  expiration  or
sooner  termination of the Term of this Lease, then Tenant shall pay to Landlord
for each month and for each  portion of any month during which Tenant holds over
in the Demised  Premises after the expiration or sooner  termination of the Term
of this Lease, a sum equal to two (2) times the aggregate of that portion of the
Base Rent and Additional Rent which was payable under this Lease during the last
month of the term  hereof.  Nothing  contained  herein shall be deemed to permit
Tenant to retain possession of the Demised Premises after expiration of the Term
of this Lease and the provisions of this Article shall survive the expiration or
sooner termination of the Term of this Lease.

      30.01. If any term or provision of this Lease or the  application  thereof
to  any  person  or   circumstances   shall,  to  any  extent,   be  invalid  or
unenforceable,  the remainder of this Lease,  or the application of such term or
provision  to persons or  circumstances  other than those as to which it is held
invalid  or  unenforceable,  shall not be  affected  thereby,  and each term and
provision  of this Lease shall be valid and be  enforced  to the fullest  extent
permitted by law.

<PAGE>

      31.01. Except as otherwise provided in this Lease, no act or thing done by
Landlord or its agents  during the term hereof shall  constitute  an eviction by
Landlord,  nor shall same be deemed an  acceptance of a surrender of the Demised
Premises,  and no  agreement to accept such  surrender  shall be valid unless in
writing  signed by Landlord.  The delivery of keys to an employee of Landlord or
of its agents shall not operate as a termination of this Lease or a surrender of
the Demised Premises.

      31.02.  The failure of Landlord to seek  redress for  violation  of, or to
insist upon the strict  performance of, any covenant or condition of this Lease,
or to insist upon the strict  performance by Tenant or any other Tenant,  of the
Rules and Regulations  annexed hereto or hereafter adopted by Landlord shall not
prevent a subsequent act or omission which would have  originally  constituted a
violation, from having all the force and effect of an original violation.

      31.03.  The receipt by Landlord  of rent with  knowledge  of breach of any
covenant of this Lease shall not be deemed a waiver of such breach.

      31.04. No payment by Tenant or receipt by Landlord of a lesser amount than
the Base Rent and Additional  Rent shall be deemed to be other than a payment on
account,  nor shall any  endorsement  or  statement  on any check or  payment be
deemed an accord and satisfaction, and Landlord may accept such check or payment
without any prejudice to  Landlord's  right to recover the balance or pursue any
other remedy provided in this Lease.

      32.01.  Tenant,  for itself, and on behalf of any and all persons claiming
through or under it,  including  creditors  of all kinds,  does hereby waive and
surrender all rights and  privileges  which they or any of them might have under
or by reason of any present or future law, to redeem the Demised  Premises or to
have a continuance of this Lease for the term hereby  demised after  having-been
dispossessed or ejected  therefrom by process of law or after the termination of
this Lease as provided herein.

<PAGE>

      32.02. In the event Landlord commences any summary proceeding (whether for
non-payment  of  rent,  or  for  Tenant's  holding-over,  or  otherwise),  or an
ejectment action to recover possession of the Demised Premises,  or other action
for  non-payment of rent, or for a breach of any of the covenants and conditions
hereunder,   Tenant  covenants  and  agrees  that  it  will  not  interpose  any
counterclaim  or  set-off  in  any  such  action  or  proceeding,   or  seek  by
consolidation  or otherwise to interpose any  counterclaim or set-off unless the
failure to assert same would constitute a waiver of such counterclaim or set-off
by  Tenant  and  Landlord  fails to waive the  right to  assert  such  waiver in
writing.  To the extent  permitted by applicable law, Tenant hereby waives trial
by jury and agrees that Tenant will not interpose any counterclaim or set-off of
whatsoever nature or description in any matter  whatsoever  arising out of or in
any way connected with this Lease, the  relationship of Landlord and Tenant,  or
Tenant's  use or  occupancy  of the  Demised  Premises,  any  claim of injury or
damage,  any claim of failure to provide  services,  or any  emergency  or other
statutory  remedy with respect  thereto.  Any claim that Tenant may have against
Landlord  shall  be  separately  prosecuted  and  Tenant  waives a trial by jury
relative  thereto.  The  provisions  of this Article shall survive the breach or
termination of this Lease.

      32.03. In the event Tenant claims or asserts that Landlord has violated or
failed to perform a covenant of Landlord not to  unreasonably  withhold or delay
Landlord's consent or approval,  or in any case where Landlord's  reasonableness
in exercising its judgment is in issue,  Tenant's sole remedy shall be an action
for specific  performance,  declaratory  judgment or injunction  and in no event
shall Tenant be entitled to any money  damages for a breach of such covenant and
in no event shall Tenant claim or assert any claims in any money  damages in any
action  or by way  of  set  off,  defense  or  counterclaim  and  Tenant  hereby
specifically waives the right to any money damages or other remedies.

      33.01.  Notwithstanding  anything to the contrary contained herein, Tenant
shall  look  solely  to the  interest  of  Landlord  in  the  Building  for  the
satisfaction of any of Tenant's  remedies with regard to the payment of money or
otherwise, and no other property or assets of Landlord shall be subject to levy,
execution  or other  enforcement  procedures  for the  satisfaction  of Tenant's
remedies or with respect to this Lease,  the relationship of Landlord and Tenant
hereunder or Tenant's use or occupancy of the Demised Premises, such exculpation
of personal liability to be absolute.

<PAGE>

      34.01. Tenant agrees that from and following a transfer by Landlord of its
interest in the Building, by sale, lease or otherwise,  Tenant shall look solely
to Landlord's  successor  (and such  successor's  interest in this Building) for
satisfaction of Landlord's liabilities hereunder.

      35.01.  Any notice  permitted or required to be given by the terms of this
Lease, or by any law or  governmental  regulation,  shall be in writing.  Unless
otherwise  required by such law or regulation,  such notice shall be given,  and
shall be deemed to have been served and given when (a)  delivered by  registered
or certified mail enclosed in a securely  closed postpaid  wrapper,  in a United
States Government general or branch post office, or (b) delivered by hand or (c)
deposited with a reputable overnight carrier for next business day deliver.  All
such notices  shall be addressed to Landlord or Tenant at the Demised  Premises.
All notices to Landlord shall also be addressed to BDG Management, Inc., at 6800
Jericho Turnpike, Syosset, New York, 11791, as Managing Agent of the Building. A
copy of all notices sent to Landlord shall also be sent to Farrell Fritz,  P.C.,
EAB Plaza, 14th Floor, West Tower, Uniondale,  New York, 11556-0120,  Attention:
Robert E. Sandler,  Esq.  Either party may, by notice as aforesaid,  designate a
different  address or  addresses  for  notices,  requests  or demands to it such
party. Any notices  required or permitted to be given by Landlord  hereunder may
be validly given by Landlord's attorneys.

<PAGE>

      36.01.  Tenant has  deposited  with  Landlord  the sum of  $47,140.00_  as
security for the faithful  performance  and  observance  by Tenant of the terms,
provisions and  conditions of this Lease.  It is agreed that in the event Tenant
defaults  in respect  of any of the terms,  provisions  and  conditions  of this
Lease,  including,  but not limited to, the payment of Base Rent and  Additional
Rent, Landlord may use, apply or retain the whole or any part of the security so
deposited to the extent required for the payment of any Base Rent and Additional
Rent or any other  sum as to which  Tenant  is in  default  or for any sum which
Landlord  may expend or may be required to expend by reason of Tenant's  default
in respect of any of the terms,  covenants and conditions of this Lease.  In the
event Landlord applies or retains any portion or all of the security  deposited,
Tenant shall forthwith  restore the amount so applied or retained so that at all
times the amount deposited shall be two (2) months Base Rent (or the greater sum
stipulated above). Tenant acknowledges that, pursuant to General Obligations Law
Section 7-103 (2), Landlord has no obligation to place Tenant's security deposit
in an interest bearing account and, by reason thereof, Tenant is not entitled to
any interest thereon.

      36.02. In the event that Tenant shall fully and faithfully comply with all
of the terms,  provisions,  covenants and conditions of this Lease, the security
shall be  returned  to Tenant  after the date  fixed as the end of the Lease and
after delivery of the entire possession of the Demised Premises to Landlord.  In
the  event  of a sale of the  Building  or a  master  leasing  of the  Building,
Landlord shall have the right to transfer the security to the vendee,  or master
lessee.  Landlord  shall  thereupon be released by Tenant from all liability for
the  return of such  security,  and  Tenant  agrees to look to the new  landlord
solely for the return of said security.  It is agreed that the provisions hereof
shall  apply to every  transfer  or  assignment  made of the  security  to a new
landlord.  Tenant  further  covenants  that it will not  assign or  encumber  or
attempt to assign or encumber the monies  deposited  herein as security and that
neither  Landlord  nor its  successors  or  assigns  shall  be bound by any such
assignment, encumbrance, attempted assignment or attempted encumbrance.

      37.01.  The covenants,  conditions and agreements  contained in this Lease
shall bind and inure to the benefit of the parties  hereto and their  respective
heirs,  distributees,  executors,  administrators,  successors  and,  except  as
provided herein, their assigns.

<PAGE>

      38.01.  This Agreement  contains the entire agreement  between the parties
hereto  with  respect  to  the   transactions   contemplated   herein,   and  no
representation,  promise,  inducement or statement of intention  relating to the
transactions  contemplated by this Agreement has been made by any party which is
not set forth in this Agreement. This Agreement shall not be modified or amended
except by an instrument in writing signed by or on behalf of the parties hereto.

      39.01  Either  party to this  Lease may elect,  in the manner  hereinafter
provided,  to have any  dispute  determinable  by  arbitration  pursuant  to the
provisions  of this Lease  submitted  to  arbitration.  Such  election  shall be
exercised  by either  party  giving  the other  party a notice  requesting  such
arbitration,  which  notice  shall  specify  the nature of the  dispute  and the
identity of the arbitrator chosen by said party.

         39.02  Within  fifteen  (15)  days  after  the  service  of the  notice
specified in Section 39.01 hereof,  the other party shall give written notice to
the first party  specifying the identity of its arbitrator.  If the second party
fails to notify the first party of the appointment of its arbitrator within said
period,  the  appointment  of the  second  arbitrator  shall be made in the same
manner as hereinafter  provided for the appointment of a third  arbitrator.  The
arbitrators  so  chosen  shall  meet  within  ten (10)  days  after  the  second
arbitrator  is  appointed;  and if,  within  thirty  (30) days  after the second
arbitrator  is  appointed,  the said two  arbitrators  shall not agree  upon the
question in dispute, they shall themselves appoint a third arbitrator, who shall
be a competent and impartial  person;  and in the event of their being unable to
agree upon such appointment  within ten (10) days after the time aforesaid,  the
third arbitrator shall be selected by the parties themselves,  if they can agree
thereon  within a further  period of fifteen (15) days. If the parties do not so
agree, then either party, on behalf of both, may request such appointment by the
American Arbitration Association,  in accordance with its rules then prevailing.
The  decision of the  arbitrators  so chosen  shall be given  within a period of
sixty (60) days after the appointment of such third arbitrator.  The decision in
which any two  arbitrators  so appointed  and acting  hereunder  concur shall be
binding  upon the  parties.  Each party  shall pay the fees and  expenses of the
arbitrator  appointed by such party, or in whose stead, as above provided,  such
arbitrator was appointed; and the fees and expenses of the third arbitrator,  if
any, shall be borne equally by both parties.  The arbitration shall be conducted
by, pursuant to, and under the auspices of the American Arbitration  Association
and shall take place in Nassau County, New York.

<PAGE>

         40.01 Tenant  acknowledges that Tenant shall be solely  responsible for
the proper and legal  disposal of all  medical,  toxic and  so-called  "red bag"
waste,  as same may be defined from time to time, by all regulatory  authorities
having jurisdiction. Landlord shall have no liability to any person or entity in
this  regard.  Tenant shall  comply with all  regulations  issued by the federal
government,  New  York  State,  the  County  of  Nassau,  or any  other  agency,
municipality or regulatory  authority  having  jurisdiction  with respect to the
generation,  storage and disposal of such waste.  In  addition,  Tenant shall be
required,  at its own cost and expense to contract  with a licensed  medical and
toxic waste disposal company for the disposal of all syringes, needles and other
medical,  toxic and red bag waste.  Tenant shall furnish Landlord with a copy of
the  contract  and  renewals  thereof.  Failure  (a) to maintain  the  aforesaid
contract continuously and to furnish Landlord with evidence that the contract is
in full force and effect,  or (b) to properly dispose of all medical,  toxic and
red bag waste,  shall be a material  default  under this  Lease.  Any failure by
Landlord to take any action with respect to obtaining  from Tenant all contracts
and renewals,  shall in no way relieve Tenant of its  responsibility  to provide
same and to dispose of all such medical, toxic and red bag waste pursuant to all
applicable  law.  Tenant shall,  and does hereby,  indemnify  Landlord and holds
Landlord  harmless  from  any  damage,  loss,  liability,   claims,  actions  or
proceedings,  including,  but not  limited to,  attorneys  fees and any fines or
penalties,  arising  out of or  relating  to  Tenant's  failure to  perform  any
obligation  under this Article.  This Article shall survive the  termination  or
expiration of this Lease.

<PAGE>

      41.01.  Landlord will provide Tenant with 500 square feet of "Dead Storage
Space" as more particularly  shown on Exhibit E attached hereto.  Tenant may use
said space  solely  for the  purposes  of  storage.  There will be no  personnel
located in said space,  and Tenants' use shall be limited to the  maintenance of
files  plus  such  use of the  premises  by  Tenant's  employees  as  reasonably
necessary to file or retrieve files located in said space. Landlord will provide
Tenant in such space only with light fixtures and the building shell  consisting
of concrete floor, painted walls and ceiling.  Landlord, in its sole discretion,
may terminate the demise of "Dead Storage  Space"  provided in this article upon
sixty (60) days'  notice.  The basic annual  rental rate for this space shall be
$12.00 per square  foot,  payable  monthly on the first day of each month.  Late
payments  are  subject to interest  and other  charges as provided in this Lease
with regard to the Base Rent and  Additional  Rent.  Unless  Landlord  elects to
terminate  Tenant's right to this space as provided  hereinabove,  the demise of
said space shall be co-terminus with the term of this Lease. Landlord shall have
no  responsibility  for the security of the contents of said storage space,  and
all risks are  expressly  assumed by the Tenant.  If other storage space becomes
available,  Landlord  shall provide for such space,  if requested by Tenant upon
the same terms and conditions of this Article.

      42.01.  Tenant  shall not at any time  prior to or during the Term of this
Lease, either directly or indirectly, use any contractors, laborers or materials
the use of which  would  create  any  conflicts  with other  contractors  and/or
laborers  employed  by Tenant or Landlord in the  construction,  maintenance  or
operation of the Demised  Premises or the Building.  All work performed by or on
behalf of Tenant shall be done in a workmanlike  manner using building  standard
material.

      42.02.  This Lease supersedes all prior leases between Landlord and Tenant
with respect to any of the space included within the Demised Premises.

<PAGE>

      42.03.   This  Lease  is  offered  to  Tenant  for   signature   with  the
understanding  that it shall not be binding upon  Landlord  unless and until the
Lease is approved by the holder of any superior  leasehold mortgage and Landlord
shall have executed and delivered a fully executed copy of this Lease to Tenant.

      43.01.  The  captions  of Articles  in this Lease are  inserted  only as a
matter of  convenience  and for  reference  and they in no way define,  limit or
describe the scope of this Lease or the intent of any provisions hereof.

      43.02.  Tenant  shall not record  this  Lease  without  the prior  written
consent  of  Landlord.  Tenant,  upon  request  by  Landlord,  shall join in the
execution  of a  memorandum  of this Lease which  memorandum  may be recorded by
Landlord.

      IN WITNESS  WHEREOF,  the parties have  executed this Lease as of the date
first above written.

                                    LANDLORD:

                                    MATTERHORN USA, INC.

                                    By:     GE CAPITAL REALTY GROUP, INC.,
                                            its servicer

                                    By:
                                       -----------------------------------------

                                    TENANT:  ATC HEALTHCARE SERVICES, INC.

                                    By:
                                       -----------------------------------------
                                                      ACKNOWLEDGMENTS

<PAGE>

STATE OF TEXAS    )
                  )  ss.:
COUNTY OF DALLAS  )

      On the _____ day of  ____________,  1999,  before me  personally  appeared
_______________________,  to me known, who being by me duly sworn did depose and
say that he is the _________________ of GE CAPITAL REALTY GROUP, INC., the agent
for MATTERHORN U.S.A., INC., the corporation described in and which executed the
foregoing  instrument as Landlord;  that he knows the seal of said  corporation;
that the seal affixed to said  instrument is such corporate seal; that it was so
affixed  by order of the Board of  Directors  of said  corporation;  and that he
signed his name by like order.

                                                     Notary Public
-----------------------------------------------------

STATE OF             )
            ---------
                     ) ss.:
COUNTY OF            )
          -----------

      On the _____ day of  ____________,  1999,  before me  personally  appeared
_________________,  to me known,  who being by me duly  sworn did depose and say
that he is an officer and director of  ______________________,  the professional
corporation  described in and which executed the foregoing instrument as Tenant;
that he knows  the seal of said  corporation;  that  the  seal  affixed  to said
instrument is such corporate  seal; that it was so affixed by order of the Board
of Directors of said corporation; and that he signed his name by like order.

                                                     Notary Public
-----------------------------------------------------

                                [TO BE SUPPLIED]

<PAGE>

1.    Nightly - After Hours on Normal Business Days

      (a)   Empty and damp wipe all ashtrays.

      (b)   Empty and dust wipe all waste receptacles.

      (c)   Empty, clean and refill smoking urns as needed.

      (d)   Dust all office furniture,  including chairs,  desks,  tables,  file
            cabinets, phones and all other office furniture.

      (e)   Vacuum all carpeted areas.

      (f)   Wash clean all water fountains and coolers,  emptying waste water as
            necessary.

2.    Quarterly

      (a)   High dust all walls, ledges,  pictures,  anemostats and registers of
            office areas not reached in normal nightly cleaning.

      (b)   Dust all Venetian blinds.

1.    Nightly - After Hours on Normal Business Days

      (a)   Empty waste receptacles, as needed.

      (b)   Empty, clean and refill smoking urns as needed.

      (c)   Remove gum from all Atrium flooring, as necessary.

      (d)   Vacuum or wash rubber mats as necessary.

<PAGE>

      (e)   Remove finger marks where  possible from painted  walls,  partitions
            and doors.

      (f)   Remove finger marks from public doors and wall surfaces.

      (g)   Clean   interior   surfaces  of  elevator  cabs  and  wash  and  wax
            composition tile flooring, or vacuum carpet, as necessary.

      (h)   Wash clean all water fountains and coolers,  emptying waste water as
            necessary.

      (i)   Lavatories:

            Wash,  disinfect and dry all bowls, seats,  urinals,  washbasins and
            mirrors, as necessary.

            Wash and dry all metal work, as necessary.

            Empty paper towel and sanitary napkin disposal receptacles.

            Damp wipe exterior of waste cans and dispensing units, as necessary.

            Sweep and wash floors.

            Dust all sills, partitions and ledges, as necessary.

            Insert toilet tissue, toweling and soap dispensers, as necessary.

2.    Weekly

      (a)   Sweep and dust stairways, as necessary.

      (b)   Wash partitions in lavatories, as necessary.

3.    Monthly

      (a)   Wash tile walls in lavatories.

      (b)   Wash  interior of waste cans,  and  sanitary  disposal  container in
            lavatories.

<PAGE>

      (c)   Auto scrub all Atrium stone flooring, as necessary.

      (d)   Spray buff stone flooring in entrance lobby and elevator lobbies, as
            necessary.

4.    Quarterly

      (a)   Scrub and wax all composition tile flooring in public corridors.

      (b)   Scrub stone floor of entrance lobby.

      (c)   High dust all walls, ledges, pictures, and registers of public areas
            not reached in normal nightly cleaning.

5.    Annually

      (a)   Lighting fixtures will be washed.

      (a)   Clean entrance door glass and transoms - once weekly.

      (b)   Clean exterior atrium glass, as necessary.

      (c)   Clean Atrium skylight outside - once yearly.

      (d)   Clean perimeter windows on both sides - two times yearly.

      Provide,  during Normal Business Hours on Normal Business Days, one Porter
and one Matron.

      Parking  areas will be regularly  swept,  cleared of snow in excess of two
inches and generally maintained so as to be well drained,  properly surfaced and
striped.

<PAGE>

There  will  be no  normal  business  hours  at the  Building  on the  following
holidays:

1.    New Year's Day

2.    President's Day

3.    Memorial Day

4.    Independence Day

5.    Labor Day

6.    Thanksgiving Day

7.    Christmas Day

The date in any given  Lease Year upon which any of the above  holidays  will be
observed shall be that date as shall be published annually by the New York State
Banking Department.

      The following  Rules and  Regulations  shall be applicable to the Building
and the  Demised  Premises as said terms are defined in the Lease of which these
Rules and Regulations are a part  (hereinafter  the "Lease").  Unless  otherwise
provided in these Rules and Regulations, all references to "tenant" or "tenants"
shall be deemed to include  "Tenant" as defined in the Lease.  In the event of a
conflict  between these Rules and  Regulations  and the provisions of the Lease,
the provisions of the Lease shall control:

      1. The sidewalks,  entrances,  passages,  courts,  elevators,  vestibules,
stairways, corridors and halls in the Building and Demised Premises shall not be
obstructed or used for any purpose other than ingress and egress.

      2. No  projection  shall be attached to the outside walls of the Building.
All  electric  ceiling  fixtures  hung in offices or along the  perimeter of the
Building  must be  fluorescent,  and of a quality,  type,  design and bulb color
approved by  Landlord.  Neither the interior nor exterior of any window shall be
coated or otherwise sunscreened without the prior written consent of Landlord.

      3. The sashes, sash doors,  skylights,  windows, and doors that reflect or
admit light and air into public  places in the Building  shall not be covered or
obstructed by any tenant,  nor shall any articles be placed on any  windowsills,
window heating units or in front of any air-conditioning vents.

<PAGE>

      4. The water and wash  closets and other  plumbing  fixtures  shall not be
used for any purpose  other than those for which they were  constructed,  and no
sweepings,  rubbish,  rags, sanitary napkins or other substances shall be thrown
therein. All damage resulting from any misuse of such closets and fixtures shall
be the responsibility of the tenant which, or whose servants, employees, agents,
visitors or licensees shall have caused the same.

      5. No tenant shall mark, paint,  drill into, or in any way deface any part
of the Building except as expressly provided in the Lease.

      6. No  bicycles,  vehicles,  birds or animals of any kind shall be brought
into or kept in or about the  Building,  except  those  bicycles  which shall be
parked in any areas which may be  specifically  designated  by Landlord for such
purpose.  Landlord assumes no responsibility for any bicycles so parked.  Except
as may be  specifically  provided  in the  Lease,  no  cooking  shall be done or
permitted by any tenant in the Building,  except for the use of microwave  ovens
and that the  preparation  of coffee,  tea, hot  chocolate and similar items for
tenants and their  employees  and  invitees  shall be  permitted,  provided  the
electric  power therefor shall not exceed that amount which can be provided by a
thirty (30) ampere  circuit.  Except as may be provided in the Lease,  no tenant
shall  cause or permit any unusual or  objectionable  odors to be produced or to
permeate the premises demised to it.

      7. No tenant  shall  utilize the  premises  occupied by it for the sole or
major  purpose of  interviewing  or hiring  prospective  employees and shall not
advertise the address of the Building as the location for such  interviewing  or
hiring.  No premises shall be used for lodging or sleeping or for any immoral or
illegal purposes.

      8. No tenant shall make,  or permit to be made any unseemly or  disturbing
noises or disturb or interfere with (a) occupants of the Building or neighboring
buildings or (b) those persons having business with said  occupants,  whether by
the use of any musical instrument, television, radio, phonograph, unusual noise,
or in any other way. No tenant shall throw  anything out of the Building or into
the passageways therein.

<PAGE>

      9. No  tenant  or any of its  servants,  employees,  agents,  visitors  or
licensees,  shall at any time bring or keep within the Building any inflammable,
combustible or explosive fluid, chemical or substance.

      10. Except as may be provided in the Lease,  no additional  locks or bolts
of any kind shall be placed upon any of the doors or windows by any tenant,  nor
shall any changes be made in existing locks or the mechanism thereof.  Landlord,
at its expense,  shall, at or prior to initial  occupancy by any tenant,  supply
any and all  necessary  passkeys to any portion of the  premises  demised to any
tenant  pursuant  to any lease.  All keys issued  thereafter  shall be issued by
Landlord at Tenant's expense.  Notwithstanding the foregoing,  Tenant shall have
the right to  install  security  systems,  provided  that  Tenant  shall  supply
Landlord with the necessary keys and security codes to permit entry in the event
of an  emergency  endangering  life or  property.  Each  tenant  must,  upon the
termination of its tenancy, restore to Landlord all keys of stores, offices, and
toilet rooms, either furnished to, or otherwise procured by, such tenant. In the
event of the loss of any keys so  furnished,  such tenant  shall pay to Landlord
the cost of  replacing  the same or of changing the lock or locks opened by such
lost key if Landlord shall deem it necessary to make such changes.

      11.  All  removals,  or the  carrying  in or out  of any  safes,  freight,
furniture or bulky matter of any  description,  except in the ordinary course of
business,  must take  place  after  normal  business  hours on  weekdays,  or on
Saturday or Sunday. The moving of safes or other fixtures or bulky matter of any
kind must be done upon  forty-eight  (48) hours' previous  written notice to the
Managing  Agent of the  Building  and be under its  supervision,  and the person
employed by any tenant for such work must be acceptable  to Landlord.  Except as
may be provided  in the Lease,  Landlord  reserves  the right to  prescribe  the
weight and  position  of all safes.  Notwithstanding  anything  to the  contrary
herein, Landlord may charge any tenant reasonable fees for supervisory and other
expenses in connection  with  tenant's  utilization  of the  elevators  when any
tenant  moves in or vacates the  Building or at such other times when any tenant
is utilizing the elevators for any of the activities set forth  hereinabove.  No
tenant shall move- in or vacate the Building before 5pm. on weekdays.

<PAGE>

      12.  Except as may be  provided  in the Lease,  no tenant  shall  purchase
janitorial,  maintenance  or other like services from any person not approved by
Landlord.

      13. Landlord  reserves the right to exclude from the Building  between the
hours of 6:00  P.M.  to 8:00 A.M.  on  weekdays,  and at all hours on  Saturday,
Sunday and legal  holidays all persons who do not present a pass to the Building
signed by  Landlord  or, if said  person is an employee of Tenant or any parent,
controlled  corporation,  affiliate or  subsidiary  thereof or of any  successor
thereto by  consolidation,  merger,  or other corporate action, a pass issued by
Tenant  or  such  parent,  controlled  corporation,   affiliate,  subsidiary  or
successor,  bearing  either  a  photograph  of  said  person,  or an  authorized
signature of an official of Tenant, or of such parent,  controlled  corporation,
affiliate,  subsidiary or successor. Landlord will furnish passes to persons for
whom any tenant  requests the same in writing.  Each tenant shall be responsible
for all persons for whom it requests  passes and shall be liable to Landlord for
all acts of such  persons.  Landlord  shall in no case be liable for damages for
any error with regard to the admission to or exclusion  from the Building of any
person. In case of a riot, public  excitement or other  circumstances  rendering
such action  advisable in  Landlord's  opinion,  Landlord  reserves the right to
prevent access to the Building during the continuance of the same by closing the
doors or otherwise,  all for the safety of the Tenants and the protection of the
Building.

      14. Any persons employed by any tenant to do janitorial work, while in the
Building and outside of the premises  demised  pursuant to the provisions of any
lease,  shall be subject to and under the control and  direction of the Managing
Agent of the Building (but not as an agent or servant of said Managing  Agent or
of Landlord), and Tenant shall be responsible for all acts of such persons.

      15. All doors opening onto public  corridors in the Building shall be kept
closed, except when in use for ingress and egress.

      16. Any  requests,  notices  or demands of any tenant to or upon  Landlord
shall be in writing and addressed to the Managing Agent at the Building.

      17. Canvassing,  soliciting (except business calls on potential  customers
in the  Building)  and peddling in the Building are  prohibited  and each tenant
shall cooperate to prevent the same.

<PAGE>

      18.   Except  as  may  be   provided  in  the  Lease,   no   supplementary
air-conditioning unit or other similar apparatuses shall be installed or used by
any tenant without the prior written consent of Landlord.

      19.  There shall not be used in any space,  or in the public  areas of the
Building,  either by any tenant or others, any hand trucks except those equipped
with rubber tires and rubber side guards.

      20. Except as may be provided in the Lease, Landlord shall have the right,
exercisable  without notice and without  liability to any Tenant,  to change the
name and address of the Building.

      21. No vending machine or machines of any description  shall be installed,
maintained or operated in the Building (except those within the Demised Premises
which are intended only for use by Tenant's officers and employees).

      22. All  contractors  and  deliverymen  engaged by Tenant  shall  maintain
adequate  liability  insurance,  which  insurance  shall  name  Landlord  as  an
additional insured. Tenant shall provide Landlord with certificates of insurance
evidencing such coverage upon Landlord's request.

      23. Tenant will not clean, nor require, permit, suffer or allow any window
in the Demised Premises to be cleaned,  from the outside in violation of Section
202 of the Labor Law or any other applicable law or of the rules of any board or
body having or asserting jurisdiction over the Demised Premises.

      24. All  improvements to the exterior of the Demised Premises or otherwise
visible from the common areas or other parts of the Building or Land shall be of
building standard size, finish, color and material unless otherwise consented to
in writing by Landlord.

      25.  Tenant  shall be  entitled to  directory  listings as required in the
computerized lobby directory.

      26. No sign or signs,  except in uniform  style and  uniform  location  as
fixed by Landlord in its signage  specification  will be permitted in the public
corridors,  or on corridor  doors or entrances  or on exterior  windows or other
glass to the Demised  Premises.  No sign shall be affixed or installed by Tenant
in or outside of the  Demised  Premises  without  the prior  written  consent of
Landlord.  Tenant agrees to promptly remove such signage if Landlord  undertakes
any renovations or design improvements and Landlord determines that such signage
interferes  with  or  is  inconsistent  with  such  subsequent   renovations  or
improvements.  If  Landlord  elects to remove  such  signage or any  signage not
approved by Landlord,  Tenant shall upon five (5) days notice from  Landlord pay
Landlord  all costs and  expenses,  together  with  interest for the removal and
restoration of same.

<PAGE>

      The  following  Parking  Area  Rules and  Regulations  shall  apply to all
parking  areas and the parking  structure  serving the  Building and the Demised
Premises.

      1.    All cars must be parked entirely within the stall lines.

      2.    All directional signs and arrows must be observed.

      3.    The speed limit shall be five (5) miles per hour.

      4.    Parking is prohibited:

            (a)   in areas not striped for parking;

            (b)   in aisles;

            (c)   where "no parking" signs are posted;

            (d)   on ramps;

            (e)   in cross-hatched areas; and

            (f)   in such  other  areas  as may be  designated  by  Landlord  or
                  Landlord's designee.

      5. Parking stickers of any other device or form of identification supplied
by Landlord shall remain the property of Landlord.  Such parking  identification
device must be  displayed  as  requested by Landlord and may not be mutilated in
any manner.  The serial number of any parking  identification  device may not be
obliterated.  Parking  identification  devices shall not be transferable and any
device in the possession of an unauthorized holder will be void. There will be a
replacement  charge to the tenant or person  designated  by tenant of $25.00 for
loss of any parking card.

<PAGE>

      6. Parking  managers or attendants are not authorized to make or allow any
exceptions to these Parking Area Rules and Regulations.

                                [To Be Supplied]

      ALL that certain  plot,  piece or parcel of land,  with the  buildings and
improvements thereon erected, situate, lying and being in the

      TOWN OF NORTH  HEMPSTEAD,  COUNTY OF NASSAU  AND STATE OF NEW YORK,  BEING
      MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS:

      BEGINNING AT A POINT ON THE SOUTHERLY SIDE OF MARCUS  AVENUE,  SAID POINT.
      BEING LOCATED  1842.07 FEET WESTERLY AS MEASURED  ALONG THE SOUTHERLY SIDE
      OF MARCUS AVENUE FROM THE  INTERSECTION  THEREOF WITH THE WESTERLY SIDE OF
      NEW HYDE PARK ROAD;

      RUNNING  THENCE  ALONG THE  WESTERLY  SIDE OF LAND NOW OR  FORMERLY OF THE
      CHASE  MANHATTAN  BANK,  N.A. SOUTH 16 DEGREES 04 MINUTES 36 SECONDS WEST,
      684.33 FEET;

      THENCE RUNNING 73 DEGREES 55 MINUTES 24 SECONDS WEST,  460.38 FEET TO LAND
      NOW OR FORMERLY OF SPERRY CORPORATION;

      THENCE ALONG SAID LAND NORTH 16 DEGREES 04 MINUTES 36 SECONDS EAST, 739.84
      FEET TO THE SOUTHERLY SIDE OF MARCUS AVENUE;

      THENCE ALONG THE  SOUTHWESTERLY  SIDE OF MARCUS AVENUE THE FOLLOWING  FIVE
      COURSES AND DISTANCES:

      1. SOUTHEASTERLY ALONG THE ARC OF A CURVE BEARING THE LEFT HAVING A RADIUS
      OF  5769.58  FEET,  A LENGTH OF 81.63  FEET AND A CHORD  BEARING  SOUTH 67
      DEGREES 42 MINUTES 15 SECONDS EAST AND A CHORD LENGTH OF 81.63 FEET;

<PAGE>

      2. SOUTH 68 DEGREES 06 MINUTES 34 SECONDS EAST, 170.34 FEET;

      3.  SOUTHEASTERLY  ALONG THE ARC OF A CURVE  BEARING TO THE RIGHT HAVING A
      RADIUS OF 132.00 FEET, A LENGTH OF 34.18 FEET AND A CHORD BEARING SOUTH 60
      DEGREES 41 MINUTES 30 SECONDS EAST AND A CHORD LENGTH OF 34.08 FEET;

      4. SOUTHEASTERLY ALONG THE ARC OF A CURVE BEARING THE LEFT HAVING A RADIUS
      108.00 FEET, A LENGTH OF 27.96 FEET AND A CHORD  BEARING  SOUTH 60 DEGREES
      41 MINUTES 30 SECONDS EAST AND A CHORD LENGTH OF 27.89 FEET;

      5. SOUTH 68 DEGREES 06 MINUTES 34 SECOND  STREET EAST,  150.22 FEET TO THE
      POINT OR PLACE OF BEGINNING.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00071-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00071-of-00352.parquet"}]]