SCHEDULE OF AGREEMENTS PURSUANT TO FORM OF NON-QUALIFIED STOCK OPTION AGREEMENT DATED JANUARY 4, 1996, AS AMENDED BY 1997 AND 1999 AMENDMENTS

                                   EXHIBIT 4.8




                       SCHEDULE OF AGREEMENTS PURSUANT TO
                  FORM OF NON-QUALIFIED STOCK OPTION AGREEMENT
                      DATED JANUARY 4, 1996, AS AMENDED BY
                            1997 AND 1999 AMENDMENTS


       Registrant entered into Non-Qualified Stock Option Agreements, dated
January 4, 1996 (filed herein as Exhibit 4.5), as subsequently amended by the
1997 Amendment (filed herein as Exhibit 4.6) and the 1999 Amendment (filed
herein as Exhibit 4.7), granting employees options to purchase shares of the
Registrant's Common Stock at an exercise price per share, as follows:

         Optionee             Shares         Exercise Price/Share

▇. ▇▇▇▇▇▇                        18,140              $0.83
▇.▇. ▇▇▇▇▇▇▇                     72,560              $0.83
▇. ▇▇▇▇▇▇▇                       36,280              $0.83
▇. ▇▇▇▇▇                         72,560              $0.83
▇. ▇▇▇▇▇▇▇                       36,280              $0.83
▇. ▇▇▇▇▇▇▇▇▇▇▇                   72,560              $0.83
▇. ▇▇▇▇▇▇▇▇▇▇▇                   18,140              $0.83