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COMMERCIAL LEASE AGREEMENT

THIS LEASE AGREEMENT is made and entered into as of the date set forth below between Hamad Jassim Althaniby Rajai Zumot, hereafter referred to as "Lessor" and Blue Cross and Blue Shield of North Carolina, hereafter referred to as "Lessee".

W I T N E S S E T H

1. LEASE PREMISES: In consideration of the rents, terms, provisions and covenants of this Lease, Lessor hereby leases, lets and demises to Lessee the following described premises (referred to as "leased premises") as shown on the floor plan annexed hereto as Exhibit A and containing approximately 11,851 rentable square feet situated at South Park Office Center, 3518 West gate Drive, Durham, N. C. (sometimes referred to as "the building" or "the project"):

For purposes of prorating various expenses, leased premises will represent 20.44 percent of the building or project.

2. TERM:

(a) Subject to and upon the conditions set forth below, the term of the Lease shall commence on January 1, 1995 (the "commencement date") and shall expire on December 31, 1999 (which date shall be on the last day of the calendar month), unless sooner terminated as hereinafter provided. Lessor shall use its reasonable efforts to establish the "completion date" as December 31,1994.

(b) If the leased premises are not available for occupancy on the "commencement date" or "completion date," the Lease shall not be affected thereby and Lessee shall have no claim against Lessor as a result of the postponement of such date.