UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13D

                    Under the Securities Exchange Act of 1934
                              (Amendment No. 12 )*

                 DCAP Group, Inc. (formerly EXTECH Corporation)
                                (Name of Issuer)

                                  Common Stock
                         (Title of Class of Securities)

                                   233065 10 1
                                 (CUSIP Number)

                      Fred S. Skolnik, Esq. (516) 296-7000
                       Certilman Balin Adler & Hyman, LLP
                    90 Merrick Avenue, East Meadow, NY 11554
 (Name, Address and Telephone Number of Person Authorized to Receive Notices and
Communications)

                                February 25, 1999
             (Date of Event which Requires Filing of this Statement)

If the filing person has previously  filed a statement on Schedule 13G to report
the  acquisition  which is the subject of this  Schedule 13D, and is filing this
schedule because of Rule 13d-(1)(e),  13d-1(f), or 13d-1(g), check the following
box [ ].

                               Page 1 of 14 Pages

                                                   SCHEDULE 13D

CUSIP No.         233065 10 1

1.   Name of Reporting Person

     Morton L. Certilman

2.   Check the appropriate box if a member of a group        (a) [ X ]

                                                             (b) [   ]
3.   SEC Use Only

4.   Source of Funds
     PF

5.   Check box if disclosure of legal  proceedings  is required  pursuant to
     items 2(d) or 2(e)[ ]

6.   Citizenship or Place of Organization
     United States

Number of Shares           7.       Sole Voting Power
Beneficially Owned                  1,470,393
By Each Reporting                                                        
Person With                8.       Shared Voting Power
                                    0

                           9.       Sole Dispositive Power
                                    1,470,393

                           10.      Shared Dispositive Power
                                    0
11.  Aggregate Amount Beneficially Owned by Each Reporting Person
     1,470,393

12.  Check Box if the Aggregate Amount in Row (11) Excludes Certain Shares [   ]

13.  Percent of Class Represented by Amount in Row (11)
     12.5%

14.  Type of Reporting Person
     IN

                                        2

                                  SCHEDULE 13D

CUSIP No.         233065 10 1

1.  Name of Reporting Person

    Jay M. Haft

2.  Check the appropriate box if a member of a group          (a) [ X ]

                                                              (b) [   ]
3.  SEC Use Only

4.  Source of Funds
    PF

5.  Check box if disclosure of legal  proceedings  is required  pursuant to
    items 2(d) or 2(e)[ ]

6.  Citizenship or Place of Organization
    United States

Number of Shares           7.       Sole Voting Power
Beneficially Owned                  1,563,893
By Each Reporting                                                        
Person With                8.       Shared Voting Power
                                    0

                           9.       Sole Dispositive Power
                                    1,563,893

                           10.      Shared Dispositive Power
                                    0
11. Aggregate Amount Beneficially Owned by Each Reporting Person
    1,563,893

12. Check Box if the Aggregate Amount in Row (11) Excludes Certain Shares [    ]

13. Percent of Class Represented by Amount in Row (11)
    13.3%

14. Type of Reporting Person
    IN

                                        3

                                  SCHEDULE 13D

CUSIP No.         233065 10 1

1.  Name of Reporting Person

    Kevin Lang

2.  Check the appropriate box if a member of a group          (a) [ X ]

                                                              (b) [   ]
3.  SEC Use Only

4.  Source of Funds
    PF

5.  Check box if disclosure of legal  proceedings  is required  pursuant to
    items 2(d) or 2(e)[ ]

6.  Citizenship or Place of Organization
    United States

Number of Shares           7.       Sole Voting Power
Beneficially Owned                  2,575,000
By Each Reporting                                                        
Person With                8.       Shared Voting Power
                                    0

                           9.       Sole Dispositive Power
                                    2,575,000

                           10.      Shared Dispositive Power
                                    0
11.  Aggregate Amount Beneficially Owned by Each Reporting Person
     2,575,000

12.  Check Box if the Aggregate Amount in Row (11) Excludes Certain Shares [   ]

13.  Percent of Class Represented by Amount in Row (11)
     21.9%

14.  Type of Reporting Person
     IN

                                        4

                                  SCHEDULE 13D

CUSIP No.         233065 10 1

1.  Name of Reporting Person

    Abraham Weinzimer

2.  Check the appropriate box if a member of a group         (a) [ X ]

                                                             (b) [   ]
3.  SEC Use Only

4.  Source of Funds
    PF

5.  Check box if disclosure of legal  proceedings  is required  pursuant to
    items 2(d) or 2(e)[ ]

6.  Citizenship or Place of Organization
    United States

Number of Shares           7.       Sole Voting Power
Beneficially Owned                  2,575,000
By Each Reporting                                                        
Person With                8.       Shared Voting Power
                                    0

                           9.       Sole Dispositive Power
                                    2,575,000

                           10.      Shared Dispositive Power
                                    0
11.  Aggregate Amount Beneficially Owned by Each Reporting Person
     2,575,000

12.  Check Box if the Aggregate Amount in Row (11) Excludes Certain Shares [   ]

13.  Percent of Class Represented by Amount in Row (11)
     21.9%

14.  Type of Reporting Person
     IN

                                        5

ITEM 1.  SECURITY AND ISSUER.

                  This statement  amends and  supplements the Schedule 13D dated
December 16, 1988,  as previously  amended by Amendments  No. 1 through 11 dated
January 12, 1989, April 11, 1989, April 12, 1989, April 21, 1989,  September 27,
1989,  February 27, 1992,  March 22, 1994,  October 11, 1994, June 3, 1996, July
31, 1996, and December 31, 1996, respectively,  filed by Morton L. Certilman and
Jay M. Haft  relating  to the Common  Stock,  par value $.01 per share,  of DCAP
Group,  Inc. (the "Common  Shares"),  formerly  known as EXTECH  Corporation,  a
Delaware corporation (the "Company").

                  This is the initial  statement  made by Kevin Lang and Abraham
Weinzimer in reference to the Common  Shares of the Company.  The address of the
principal  executive  offices of the Company is 90 Merrick Avenue,  East Meadow,
New York 11554.

ITEM 2.  IDENTITY AND BACKGROUND.

                  (a)      Names of Reporting Persons:

                                    Morton L. Certilman
                                    Jay M. Haft
                                    Kevin Lang
                                    Abraham Weinzimer

                  (b)      Residence or business addresses:

                                    Morton L. Certilman
                                    90 Merrick Avenue
                                    East Meadow, NY  11554

                                    Jay M. Haft
                                    1001 Brickell Bay Drive
                                    9th Floor
                                    Miami, FL  33131

                                    Kevin Lang
                                    2545 Hempstead Turnpike
                                    Suite 100
                                    East Meadow, NY  11554

                                    Abraham Weinzimer
                                    2545 Hempstead Turnpike
                                    Suite 100
                                    East Meadow, NY  11554

                                        6

                  (c) Mr. Certilman is employed as Chairman of the Company.  Mr.
Haft is  employed  as Vice  Chairman  of the  Company.  Mr.  Lang is employed as
President of the Company.  Mr. Weinzimer is employed as Executive Vice President
of the Company.

                  (d) None of the  Reporting  Persons  has been  convicted  in a
criminal proceeding in the last five years.

                  (e) None of the Reporting  Persons has been a party to a civil
proceeding of a judicial or administrative body during the last five years.

                  (f) Messrs.  Certilman,  Haft, Lang and Weinzimer are citizens
of the United States of America.

ITEM 3.  SOURCE AND AMOUNT OF FUNDS OR OTHER CONSIDERATION.

                  Reference is made to Item 4 hereof.

ITEM 4.  PURPOSE OF TRANSACTION.

                  On February 25, 1999,  pursuant to an  Agreement,  dated as of
May 8, 1998, by and among the Company,  and Messrs.  Certilman,  Haft,  Lang and
Weinzimer, as amended (the "DCAP Agreement"),  the Company acquired from Messrs.
Lang and Weinzimer all of the  outstanding  stock of Dealers  Choice  Automotive
Planning Inc. as well as interests in other related companies (collectively, the
"DCAP  Shares") in  consideration  for the issuance to each of Messrs.  Lang and
Weinzimer of 1,650,000  Common  Shares of the Company (an aggregate of 3,300,000
Common Shares).

                  At the closing of the DCAP Agreement, the following additional
Common Shares of the Company were issued by the Company:

                  (i)      475,000  Common  Shares to each of  Messrs.  Lang and
                           Weinzimer  (an  aggregate of 950,000  Common  Shares)
                           (the "950,000 Additional Shares") at a purchase price
                           of $.25 per share, paid as follows:

                           (a)      an amount in cash equal to the par value of 
                                    the 950,000 Additional Shares ($4,750 for 
                                    each or an aggregate of $9,500); and

                           (b)      the  balance  by the  delivery  by  each  of
                                    Messrs.  Lang and  Weinzimer of a promissory
                                    note in the principal amount of $114,000 (an
                                    aggregate  of $228,000)  (collectively,  the
                                    "Additional  Shares Notes").  The Additional
                                    Shares  Notes   provide  for,   among  other
                                    things, the following:

                                    (I)    interest at the rate of 6% per annum;
                                           and

                                        7

                                    (II)    payment of principal and interest in
                                            six   equal   annual    installments
                                            commencing   April   15,   2001  and
                                            continuing  through  April 15, 2006,
                                            subject  to   acceleration   to  the
                                            extent   that   Mr.   Lang   or  Mr.
                                            Weinzimer receives any proceeds from
                                            the sale or other disposition of any
                                            Common Shares;

                  (ii)     208,500  Common  Shares to each of Messrs.  Certilman
                           and Haft or their retirement  trusts (an aggregate of
                           417,000  Common  Shares) at a purchase  price of $.25
                           per share, paid in cash; and

                  (iii)    17,500  Common  Shares to each of Brian  Ziegler  and
                           Andrea  Ziegler,  the  son-in-law and daughter of Mr.
                           Certilman (an aggregate of 35,000 Common Shares),  at
                           a purchase price of $.25 per share, paid in cash. Mr.
                           Certilman  disclaims   beneficial  ownership  of  the
                           Common Shares owned by Mr. and Mrs. Ziegler.

                  At the closing of the DCAP  Agreement,  each of Messrs.  Haft,
Lang and Weinzimer and Mr.  Certilman's  retirement trust also purchased 450,000
Common Shares of the Company  (1,800,000  Common Shares in the  aggregate)  (the
"Sterling Foster Shares"),  beneficially  owned by Sterling Foster Holding Corp.
("Sterling  Foster") and held by Mr.  Certilman as voting trustee  pursuant to a
Voting Trust  Agreement  with Sterling  Foster,  at a purchase price of $.25 per
share. Mr. Certilman did not receive any portion of such purchase price. Messrs.
Certilman and Haft paid for their Sterling Foster Shares in cash.  Messrs.  Lang
and Weinzimer  also paid for their  Sterling  Foster  Shares in cash,  using the
proceeds of a loan from the Company  (discussed  below) for such  purpose.  Upon
such purchase, the Voting Trust Agreement was terminated.

                  Pursuant to the DCAP  Agreement,  at the closing,  the Company
loaned $112,500 to each of Messrs. Lang and Weinzimer (an aggregate of $225,000)
(the  "Closing  Loans").  The proceeds of the Closing Loans were used by Messrs.
Lang and Weinzimer  solely for the purpose of purchasing  their Sterling  Foster
Shares.  Each of the  Closing  Loans is  evidenced  by a  promissory  note  (the
"Closing Loan Notes") that provides for, among other things, the following:

                  (i)      interest at the rate of 6% per annum;

                  (ii)     payment of principal and interest in six equal annual
                           installments commencing April 15, 2001 and continuing
                           through April 15, 2006,  subject to  acceleration  to
                           the extent  that Mr. Lang or Mr.  Weinzimer  receives
                           any proceeds  from the sale or other  disposition  of
                           any Common Shares;

                  (iii)    non-recourse  against  Messrs.  Lang  and  Weinzimer,
                           i.e.,   Messrs.   Lang  and  Weinzimer  will  not  be
                           personally liable for the payment of the Closing Loan
                           Notes;  instead,  in  the  event  of a  default,  the
                           Company's sole remedy will be pursuant to a pledge by
                           Messrs.  Lang and Weinzimer of their Sterling  Foster
                           Shares, as discussed in Item 6 hereof; and

                                        8

                  (iv)     the right of each of Messrs.  Lang and  Weinzimer  to
                           satisfy the amounts due under his respective  Closing
                           Loan Note by  delivering  Common Shares valued at the
                           greater  of (A)  $.25 per  share  or (B) the  average
                           market price of the Common  Shares for the 20 trading
                           days  immediately  preceding  the date of delivery of
                           the shares.

                  At the closing of the DCAP Agreement, Leon Lapidus resigned as
a director of the Company,  the size of the Board of  Directors  was expanded to
four and  Messrs.  Lang and  Weinzimer  were  appointed  as  directors.  Messrs.
Certilman and Haft continued as directors of the Company. Concurrently, pursuant
to an agreement with Eagle  Insurance  Company  ("Eagle")  that was  consummated
immediately  following the closing of the DCAP Agreement,  the size of the Board
was further  increased to five and Robert M. Wallach,  a designee of Eagle,  was
appointed as a director.

                  At  the  closing  of  the  DCAP  Agreement,  each  of  Messrs.
Certilman,  Haft, Lang and Weinzimer  entered into an Employment  Agreement with
the Company pursuant to which they serve as Chairman,  Vice Chairman,  President
and Executive Vice President of the Company, respectively.
See Item 6 hereof.

ITEM 5.  INTEREST IN SECURITIES OF THE ISSUER.

                  As of the date hereof,  Mr.  Certilman is the beneficial owner
of  1,470,393  Common  Shares  of the  Company  (or  approximately  12.5% of the
outstanding  Common Shares of the Company).  Of such Common Shares,  902,452 are
held in a retirement trust for the benefit of Mr.  Certilman.  Mr. Certilman has
sole voting and dispositive power over all of such shares. At the closing of the
DCAP Agreement, Mr. Certilman also was granted options to purchase up to 225,000
Common  Shares of the Company;  however,  none of such  options are  exercisable
currently or within 60 days.

                  Except as described in Item 4 hereof,  during the past 60 days
Mr.  Certilman  has not effected any  transactions  in the Common  Shares of the
Company.

                  As of the date  hereof,  Mr. Haft is the  beneficial  owner of
1,563,893  Common  Shares  of  the  Company  (or  approximately   13.3%  of  the
outstanding  Common Shares of the Company).  Of such Common  Shares,  15,380 are
held in a retirement trust for the benefit of Mr. Haft. Mr. Haft has sole voting
and  dispositive  power  over all of such  shares.  At the  closing  of the DCAP
Agreement,  Mr. Haft also was granted  options to purchase up to 225,000  Common
Shares of the Company;  however,  none of such options are exercisable currently
or within 60 days.

                  Except as described in Item 4 hereof,  during the past 60 days
Mr. Haft has not effected any transactions in the Common Shares of the Company.

                  As  of  the  date hereof, Mr. Lang is the beneficial  owner of
2,575,000  Common  Shares  of  the  Company  (or  approximately   21.9%  of  the
outstanding Common Shares of the Company).  Mr.

                                        9

Lang has sole  voting  and  dispositive  power over all of such  shares.  At the
closing of the DCAP Agreement,  Mr. Lang also was granted options to purchase up
to 200,000  Common  Shares of the  Company;  however,  none of such  options are
exercisable currently or within 60 days. See Items 4 and 6 hereof.

                  Except as described in Item 4 hereof,  during the past 60 days
Mr. Lang has not effected any transactions in the Common Shares of the Company.

                  As of the date hereof,  Mr.  Weinzimer is the beneficial owner
of  2,575,000  Common  Shares  of the  Company  (or  approximately  21.9% of the
outstanding  Common  Shares of the Company).  Mr.  Weinzimer has sole voting and
dispositive power over all of such shares. At the closing of the DCAP Agreement,
Mr.  Weinzimer also was granted  options to purchase up to 200,000 Common Shares
of the  Company;  however,  none of such  options are  exercisable  currently or
within 60 days. See Items 4 and 6 hereof.

                  Except as described in Item 4 hereof,  during the past 60 days
Mr.  Weinzimer  has not effected any  transactions  in the Common  Shares of the
Company.

ITEM 6.  CONTRACTS, AGREEMENTS, UNDERSTANDINGS OR RELATIONSHIPS
         WITH RESPECT TO SECURITIES OF THE ISSUER.

                  The  payment of all amounts  due under the  Additional  Shares
Notes is  secured  by a pledge  by each of  Messrs.  Lang and  Weinzimer  to the
Company of 570,000 Common Shares of the Company,  pursuant to pledge  agreements
that were entered into at the closing of the DCAP Agreement.

                  The payment of all amounts due under the Closing Loan Notes is
secured by a pledge by each of Messrs.  Lang and Weinzimer to the Company of the
Sterling Foster Shares acquired by him,  pursuant to pledge agreements that were
entered into at the closing of the DCAP Agreement.

                  Pursuant  to  Stock  Option  Agreements  entered  into  at the
closing of the DCAP Agreement, each of Messrs. Certilman and Haft was granted an
option to  purchase  up to 225,000  Common  Shares of the  Company at a purchase
price of $2.69 per share. Such options vest to the extent of one-half thereof on
February 25, 2000 and one-half on February 25, 2001,  and expire on February 25,
2004.

                  Pursuant  to  Stock  Option  Agreements  entered  into  at the
closing of the DCAP Agreement, each of Messrs. Lang and Weinzimer was granted an
option to  purchase  up to 200,000  Common  Shares of the  Company at a purchase
price of $2.69 per share. Such options vest to the extent of one-half thereof on
February 25, 2000 and one-half on February 25, 2001,  and expire on February 25,
2004.

                  Pursuant  to the DCAP  Agreement,  each of Messrs.  Certilman,
Haft, Lang and Weinzimer has agreed that, during the eight year period following
the closing of the DCAP

                                       10

Agreement,  (i) he will vote his  respective  shares of stock of the  Company in
favor of each of the  others as a  director  of the  Company  provided  that the
particular  person in whose favor the vote would be remains in the employ of the
Company, (ii) in the event Mr. Certilman or Mr. Haft dies or otherwise ceases to
serve as a director of the Company,  Messrs.  Lang and Weinzimer will vote their
respective  shares  of stock of the  Company  in  favor of the  designee  of the
survivor of Mr.  Certilman  or Mr. Haft (or, in the case of a reason  other than
death,  the one  remaining  as a  director),  (iii) in the event Mr. Lang or Mr.
Weinzimer  dies or  otherwise  ceases  to serve as a  director  of the  Company,
Messrs.  Certilman  and Haft will vote their  respective  shares of stock of the
Company in favor of the  designee of the  survivor of Mr. Lang or Mr.  Weinzimer
(or, in the case of a reason other than death,  the one remaining as a director)
and (iv) he will not vote his  shares to (a)  increase  the size of the Board of
Directors  of the  Company  or (b) amend the  Certificate  of  Incorporation  or
By-Laws of the Company, in each case without the written approval of the others.
In the event of the death or other  cessation of  directorship of any of Messrs.
Certilman,  Haft, Lang or Weinzimer  during such period,  the Company has agreed
that,  unless the Board  vacancy is otherwise  filled as provided for above,  it
will promptly call a special meeting of stockholders to fill such vacancy.

                  At the closing of the DCAP  Agreement,  the Company's  By-Laws
were amended to provide  that, in the event the number of directors in office is
less than four, any action taken by the Board of Directors requires the approval
of all of the directors then in office.

                  Pursuant to the Employment  Agreements  with Messrs.  Lang and
Weinzimer,  for each of the twelve-month  periods of the initial five year term,
the Company will be obligated,  upon the written request of each of Messrs. Lang
and  Weinzimer,  to lend to him up to  $20,000.  The right of  Messrs.  Lang and
Weinzimer to obtain such $20,000 annual loan is assignable by each to the other.
Each such loan is to be evidenced by a promissory  note in the principal  amount
of the loan and is to provide for, among other things, the following:

                  (i)      interest at the prime rate (as published in the  Wall
                           Street Journal); and

                  (ii)     payment  of  principal  and  interest  in four  equal
                           annual  installments,  commencing  one year  from the
                           date of each loan (but in no event  after the seventh
                           anniversary  of the  closing of the DCAP  Agreement),
                           subject  to  acceleration  to  the  extent  that  the
                           borrower receives any proceeds from the sale or other
                           disposition of any Common Shares.

                  The repayment of all amounts due under each such note is to be
secured by the pledge by the borrower,  pursuant to a pledge agreement,  of five
Common Shares for each one dollar loaned.

                  Pursuant to the Employment  Agreements  with Messrs.  Lang and
Weinzimer,  in the event that the Company's  Pre-Tax Net Income (as such term is
defined in the  Employment  Agreements)  for any fiscal  year of the  Employment
Agreement of Mr. Lang or Mr. Weinzimer (but commencing only with the fiscal year
ending  December  31, 2000 and  continuing  only  through the fiscal year ending
December 31, 2005) is at least $100,000,  he will be entitled to receive a bonus
in the amount of  $37,500  for each such  year.  No bonus will be payable  for a
particular fiscal year if

                                       11

no amounts are then payable by Mr. Lang or Mr. Weinzimer to the Company pursuant
to his Additional Shares Note. Furthermore,  the amount of any bonus payable may
never  exceed the amount  payable by Mr. Lang or Mr.  Weinzimer  pursuant to his
Additional  Shares Note,  and the Company will be entitled to offset against any
such bonus any amount so payable.

                  Pursuant to the DCAP Agreement,  while any loan made to either
Mr. Lang or Mr. Weinzimer  pursuant to his Employment  Agreement is outstanding,
he will be obligated to sell, as soon as legally permissible, the maximum number
of Common  Shares that he is permitted  by law to sell,  and to use the proceeds
thereof  to  satisfy  his  obligations  under his  respective  notes.  Until the
foregoing  notes,  the  Additional  Shares Notes and the Closing Notes have been
satisfied  in full,  neither Mr. Lang nor Mr.  Weinzimer  may sell or  otherwise
dispose of any of his Common  Shares  for less than $.25 per share  (subject  to
adjustment  for stock splits and the like) without the prior written  consent of
the Company.

ITEM 7. MATERIAL TO BE FILED AS EXHIBITS.

                  1.       Agreement among the Reporting Persons.
                  2.       Agreement,  dated as of May 8, 1998, by and among the
                           Company and the Reporting Persons, as amended.1
                  3.       Pledge  Agreement,  dated February 25, 1999,  between
                           the Company and Kevin Lang (Additional Shares Note).
                  4.       Pledge  Agreement,  dated February 25, 1999,  between
                           the Company and Kevin Lang (Closing Loan Note).
                  5.       Pledge  Agreement,  dated February 25, 1999,  between
                           the Company and Abraham Weinzimer  (Additional Shares
                           Note).
                  6.       Pledge  Agreement,  dated February 25, 1999,  between
                           the  Company  and  Abraham  Weinzimer  (Closing  Loan
                           Note).
                  7.       Stock  Option  Agreement,  dated  February  25, 1999,
                           between the Company and Morton L. Certilman.
                  8.       Stock  Option  Agreement,  dated  February  25, 1999,
                           between the Company and Jay M. Haft.
                  9.       Stock  Option  Agreement,  dated  February  25, 1999,
                           between the Company and Kevin Lang.
                  10.      Stock  Option  Agreement,  dated  February  25, 1999,
                           between the Company and Abraham Weinzimer.
- --------
1    Filed as  Appendix A to the  Company's  definitive  Proxy  Statement  dated
     February 9, 1999 (File No. 0-1665) and incorporated herein by reference.

                                       12

                                   SIGNATURES

                  After  reasonable  inquiry and to the best of my knowledge and
belief,  I certify that the information set forth in this statement with respect
to myself is true, complete and correct.

Dated: March 4, 1999

                                                   /s/ Morton L. Certilman
                                                   -----------------------
                                                   Morton L. Certilman

                                                   /s/ Jay M. Haft
                                                   ---------------
                                                   Jay M. Haft

                                                   /s/ Kevin Lang
                                                   --------------
                                                   Kevin Lang

                                                   /s/ Abraham Weinzimer
                                                   ---------------------
                                                   Abraham Weinzimer

                                    EXHIBIT 1

                  The  undersigned  agree that the  Statement on Schedule 13D to
which this Agreement is attached is filed on behalf of each one of them.

Dated: March 4, 1999

                                                /s/ Morton L. Certilman
                                                -----------------------
                                                Morton L. Certilman

                                                /s/ Jay M. Haft
                                                ---------------
                                                Jay M. Haft

                                                /s/ Kevin Lang
                                                --------------
                                                Kevin Lang

                                                /s/ Abraham Weinzimer
                                                ---------------------
                                                Abraham Weinzimer

                  PLEDGE  AGREEMENT,  dated  February 25,  1999,  by and between
KEVIN LANG (the "Pledgor") and DCAP GROUP, INC. (formerly EXTECH Corporation), a
Delaware corporation (the "Pledgee").

                  WHEREAS,  simultaneously  herewith,  the Pledgor is purchasing
from the Pledgee four hundred  seventy-five  thousand (475,000) shares of Common
Stock of the Pledgee and, in partial  consideration  therefor,  is executing and
delivering to the Pledgee a Promissory Note of even date in the principal amount
of One Hundred Fourteen Thousand Dollars ($114,000) (the "Note").

                  WHEREAS,  the Pledgee desires,  and the Pledgor is willing, to
secure performance of the Note.

                  WHEREAS,  certain capitalized terms used herein are defined in
Section 8 hereof.

                  NOW, THEREFORE, the parties hereto agree as follows:

         1. PLEDGE.  The Pledgor  hereby grants to the Pledgee,  as security for
the  performance  by the Pledgor of all of his  obligations  under the Note (the
"Obligations"),  a valid and binding first  security  interest in the Collateral
(as hereinafter defined). The Pledgor has delivered  simultaneously  herewith to
the  Pledgee,  and the Pledgee  hereby  acknowledges  receipt of, a  certificate
evidencing  the  Pledged  Shares  registered  in the  name of the  Pledgor  (the
"Pledged Certificate"),  accompanied by appropriate stock powers endorsed by the
Pledgor (the "Stock Powers").

         2. TERM.  This Agreement  shall continue in effect until  terminated in
accordance with Section 7 hereof.

         3. SHARE RIGHTS; CASH DIVIDENDS.

                  (a) In the event of any change in the  Pledged  Shares  during
the term of this  Agreement  by reason of any stock  dividend,  stock  split-up,
reverse  split,  recapitalization,  combination,  reclassification,  exchange of
shares, merger,  consolidation or the like, all new, substituted,  or additional
stock, or other  securities,  issued by reason of any such change (the "Adjusted
Shares") (the Pledged Shares and the Adjusted Shares are hereinafter referred to
collectively  as the "Shares") shall be retained by or delivered to, as the case
may be, and held by the Pledgee  under the terms of this  Agreement  in the same
manner as the Pledged Shares originally pledged hereunder.

                  (b)  Unless  and  until  the   occurrence  of  a  Default  (as
hereinafter defined),  the Pledgor shall have the right to vote the Shares. Upon
the  occurrence of a Default,  the Shares shall be registered in the name of the
Pledgee and the Pledgee shall have all incidents of ownership thereof.

                  (c) Provided  that no Default has  occurred,  any and all cash
dividends paid in respect of the Shares shall be paid to the Pledgor;  provided,
however, that, in any event, any extraordinary  distributions made in respect of
the Shares  shall be retained by the Pledgee and held by it in  accordance  with
the terms hereof.

                                        1

         4.  REPRESENTATIONS.  The Pledgor hereby represents and warrants to the
Pledgee that:

                  (a) The Pledgor is the sole record and beneficial owner of the
Pledged  Shares,  free and  clear of all  liens,  pledges,  security  interests,
encumbrances, restrictions, subscriptions, hypothecations, charges and claims of
any kind whatsoever.

                  (b) No consents of governmental and other regulatory agencies,
foreign or  domestic,  or of other  parties are required to be received by or on
the part of the Pledgor to enable him to enter into and carry out this Agreement
and the transactions contemplated hereby.

                  (c) The Pledgor has the power to enter into this Agreement and
to carry out his obligations hereunder. This Agreement constitutes the valid and
binding  obligation of the Pledgor,  and is enforceable  in accordance  with its
terms.

                  (d) Neither the execution  and delivery of this  Agreement nor
compliance by the Pledgor with any of the provisions hereof nor the consummation
of the transactions contemplated hereby will violate or, alone or with notice or
the  passage  of time,  result  in the  material  breach or  termination  of, or
otherwise  give any  contracting  party the  right to  terminate,  or  declare a
default under, the terms of any agreement, understanding or arrangement to which
the Pledgor is a party or by which he or his assets or properties may be bound.

         5. COVENANTS.

                  (a) The Pledgor hereby  covenants that from and after the date
hereof and until the Obligations shall have been satisfied in full:

                           (i) The Pledgor will not grant, create, incur, assume
or  suffer  to  exist  any  Lien  in the Collateral (except for the Lien created
hereby).

                           (ii) The  Pledgor  will defend the  Pledgee's  right,
title, and security interest in and to the Collateral against the claims of  any
person, firm, corporation or other entity.

                           (iii) The Pledgor  shall at any time and from time to
time, upon the written request of the Pledgee, execute and  deliver  such  other
instruments and documents and do such  further  acts and things as the Pledgee 
may  reasonably  request in order to effect the purposes of this Agreement.

                  (b) The  Pledgee's  sole duty  with  respect  to the  custody,
safekeeping and physical preservation of the Collateral in its possession, under
Section  9-207 of the Code or  otherwise,  shall be to deal  with it in the same
manner as the Pledgee  deals with  similar  securities  and property for its own
account.

                                        2

         6.  DEFAULT.  (a) In the  event  that the  Pledgor  fails to pay to the
Pledgee  any  Obligation  when due or there  shall  otherwise  occur an Event of
Default (as defined in the Note) ("Default"),  the Pledgee shall have all of the
rights and remedies  afforded to secured  parties with respect to the Collateral
as set forth in the Code as well as all other rights and remedies granted in the
Note and this Agreement.  Without limiting the generality of the foregoing,  the
Pledgee,  without demand of performance or other demand,  presentment,  protest,
advertisement  or notice of any kind (except any notice required by law referred
to  below)  to or upon the  Pledgor  (all and each of which  demands,  defenses,
advertisements  and  notices  are  hereby  waived),  may in  such  circumstances
forthwith collect, receive,  appropriate and realize upon the Collateral, or any
part thereof,  and/or may forthwith sell,  assign,  give an option or options to
purchase or otherwise  dispose of and deliver the Collateral or any part thereof
(or  contract to do any of the  foregoing),  in one or more parcels at public or
private sale or sales,  upon such terms and  conditions and at such prices as it
may deem  advisable,  for  cash or on  credit  or for  future  delivery  without
assumption  of any credit risk.  The Pledgee  shall have the right upon any such
public sale or sales, and, to the extent permitted by law, upon any such private
sale or sales,  to purchase the whole or any part of the Collateral so sold. The
Pledgee  shall  apply  any  proceeds  from  time to time  held by it and the net
proceeds of any such sale or other  disposition,  after deducting all reasonable
costs and expenses of every kind  incurred in respect  thereof or  incidental to
the care or  safekeeping  of any of the Collateral or in any way relating to the
Collateral  or  the  rights  of  the  Pledgee  hereunder,   including,   without
limitation,  reasonable  attorneys'  fees and  disbursements  of  counsel to the
Pledgee,  to the  satisfaction in whole or in part of the  Obligations,  in such
order as the  Pledgee  may elect and only after such  application  and after the
payment by the Pledgee of any other  amount  required by any  provision  of law,
including,  without  limitation,  Section  9-504  (1)(c) of the  Code,  need the
Pledgee account for the surplus, if any, to the Pledgor. To the extent permitted
by  applicable  law, the Pledgor  waives all claims,  damages and demands he may
acquire  against  the Pledgee  arising  out of the lawful  exercise by it of any
rights  hereunder.  Neither  the Pledgee  nor any of its  respective  directors,
officers,  employees  or agents shall be liable for failure to sell or otherwise
dispose  of the  Collateral  or for any delay in doing  so.  If any  notice of a
proposed sale or other  disposition of the Collateral  shall be required by law,
such  notice  shall be deemed  reasonable  and proper if given at least ten (10)
days before such sale or other disposition.  In any event,  notice of a proposed
sale or other disposition shall be given at least ten (10) days before such sale
or other  disposition  to the Pledgor and Abraham  Weinzimer.  The Pledgor shall
remain  liable  for  any  deficiency  if the  proceeds  of  any  sale  or  other
disposition of the Collateral are insufficient to pay all of the Obligations and
any and all costs and  expenses  of every  kind  incurred  by the  Pledgee  with
respect to the collection of such deficiency, including, without limitation, all
reasonable fees and disbursements of any attorneys employed by the Pledgee.

                  The  Pledgor  recognizes  that the  Pledgee  may be  unable to
effect  a  public  sale  of any or all  the  Collateral  by  reason  of  certain
restrictions contained in the Securities Act of 1933, as amended, and applicable
state  securities  laws or  otherwise,  and may be compelled to resort to one or
more private  sales thereof to a restricted  group of  purchasers  which will be
obliged to agree,  among other things,  to acquire such securities for their own
account  for  investment  and not  with a view  to the  distribution  or  resale
thereof.  The Pledgor  acknowledges  and agrees that any such  private  sale may
result in prices and other terms less  favorable than if such sale were a public
sale

                                        3

and agrees  that any such  private  sale under such  circumstances  shall not be
evidence that it has been made in other than a commercially reasonable manner.

                  The Pledgor  agrees to use his best  efforts to do or cause to
be done all such  other acts as may be  necessary  to make such sale or sales of
all or any portion of the Collateral  pursuant to this section valid and binding
and in compliance with any and all other applicable requirements of law.

                  (b)  The  rights  of  the  Pledgee   hereunder  shall  not  be
conditioned or contingent upon the pursuit by the Pledgee of any right or remedy
against the Pledgor,  any other person which may be or become  liable in respect
of all or any  part  of the  Obligations  or  against  any  collateral  security
therefor,  guarantee  therefor or right of offset with respect thereto.  Neither
the Pledgee nor any of its affiliates or representatives shall be liable for any
failure to demand,  collect or realize upon all or any part of the Collateral or
for any delay in doing so, nor shall the Pledgee be under any obligation to sell
or otherwise  dispose of any  Collateral  upon the request of the Pledgor or any
other  person  or to  take  any  other  action  whatsoever  with  regard  to the
Collateral or any part thereof.

         7. TERMINATION OF AGREEMENT; PARTIAL RELEASE.  (a) Upon (i) the
Pledgor's  satisfaction  of the  Obligations  in full (at which time the Pledgee
shall  redeliver the Pledged  Certificate and  accompanying  Stock Powers to the
Pledgor),  or (ii) the  conclusion  of the  actions  contemplated  by  Section 6
hereof, this Agreement shall thereupon terminate.

                  (b) Provided  that no Default has occurred and is  continuing,
for each one  dollar  ($1.00) of  principal  amount of the Note,  together  with
accrued interest thereon,  that is paid to the Pledgee,  five (5) Pledged Shares
shall be released from the pledge created hereby and redelivered to the Pledgor.

         8.  DEFINED  TERMS.  The  following  terms  shall  have  the  following
meanings:

                  (a) "Code" means the Uniform Commercial Code from time to time
in effect in the State of New York.

                  (b) "Collateral" means the Pledged Shares and all Proceeds.

                  (c)  "Pledged  Shares"  means five  hundred  seventy  thousand
(570,000)  shares  of Common  Stock of the  Pledgee,  together  with any and all
shares, stock certificates,  options or rights of any nature whatsoever that may
be issued or granted to the Pledgor  with regard  thereto,  in  substitution  or
replacement  thereof, as a conversion thereof, in exchange therefor or otherwise
in respect thereof.

                  (d) "Proceeds" means all "proceeds" as such term is defined in
Section  9-306(1)  of the Code on the  date  hereof  and,  in any  event,  shall
include,  without  limitation,  all  dividends  or other income from the Pledged
Shares, collections thereon and distributions with respect thereto.

                                        4

         9. MISCELLANEOUS.

                  (a) This  Agreement  shall be binding  upon and shall inure to
the benefit of the parties hereto and their  respective  legal  representatives,
successors and assigns.

                  (b)  This   Agreement   contains  the  entire   agreement  and
understanding  between the parties in respect of the subject matter hereof,  and
cannot be modified, changed, discharged or terminated except by an instrument in
writing,  signed by the party  against  whom  enforcement  of any  modification,
change, discharge or termination is sought.

                  (c) A waiver of the  breach of any term or  condition  of this
Agreement  shall not be deemed to constitute a waiver of any other breach of the
same or any other term or condition.

                  (d)  This   Agreement   will  be  construed  and  governed  in
accordance with the laws of the State of New York, excluding choice of law rules
thereof.

                  (e) All notices or other communications  required or permitted
hereunder shall be sufficiently given if delivered by hand, or sent by certified
mail,  return receipt  requested,  postage  prepaid,  facsimile  transmission or
overnight mail or courier, addressed as follows:

                           If to the Pledgor:

                           c/o Dealers Choice Automotive Planning Inc.
                           2545 Hempstead Turnpike
                           Suite 100
                           East Meadow, New York  11554
                           Telecopier Number:  (516) 735-7379

                           with a copy to:

                           Weil & Kestenbaum
                           42-40 Bell Boulevard
                           Bayside, New York  11361
                           Attention:  Alan Kestenbaum, Esq.
                           Telecopier Number:  (718) 281-0850

                           If to the Pledgee:

                           90 Merrick Avenue
                           East Meadow, New York  11554
                           Attention:  Chairman of the Board
                           Telecopier Number:  (516) 296-7111

                                        5

                           with a copy to:

                           Certilman Balin Adler & Hyman, LLP
                           90 Merrick Avenue
                           East Meadow, New York 11554
                           Attention: Fred Skolnik, Esq.
                           Telecopier Number:  (516) 296-7111

                  (f) The Pledgor  waives any and all notice of the extension or
modification of the terms of the Note.

                  (g) In the event that the Collateral or any portion thereof is
released to the Pledgor and any payments  of, or proceeds of any  security  for,
the Obligations, or any part thereof, are subsequently invalidated,  declared to
be  fraudulent  or  preferential,  set aside  and/or  required to be repaid to a
trustee,  receiver or any other party under any bankruptcy law, state or federal
law,  common law or  equitable  cause,  then the  Pledgor  shall  redeliver  the
Collateral and Stock Powers to the Pledgee and, until so redelivered, shall hold
the Collateral and Stock Powers as agent of, and in trust for, the Pledgee.

                  (h) If any  provision  hereof is  declared  to be invalid  and
unenforceable,  then,  to  the  fullest  extent  permitted  by  law,  the  other
provisions  hereof  shall remain in full force and effect and shall be liberally
construed  in favor of the Pledgee in order to carry out the  intentions  of the
parties hereto as nearly as may be possible.

                  (i) Each party acknowledges that he or it has been represented
by counsel in connection  with this Agreement.  Accordingly,  any rule or law or
any  legal  decision  that  would  require  the  interpretation  of any  claimed
ambiguities  in  this  Agreement  against  the  party  that  drafted  it  has no
application  and is expressly  waived by the  parties.  The  provisions  of this
Agreement  shall be  interpreted  in a  reasonable  manner to give effect to the
intent of the parties hereto.

                                        6

                  IN WITNESS  WHEREOF,  the parties  hereto have  executed  this
Agreement as of the day and year first above written.

                                                 /s/ Kevin Lang
                                                 --------------
                                                 Kevin Lang

                                                 DCAP GROUP, INC.

                                                 By:/s/ Morton L. Certilman
                                                 --------------------------
                                                    Morton L. Certilman,
                                                    Chairman of the Board

                                        7
                  PLEDGE  AGREEMENT,  dated  February 25,  1999,  by and between
KEVIN LANG (the "Pledgor") and DCAP GROUP, INC. (formerly EXTECH Corporation), a
Delaware corporation (the "Pledgee").

                  WHEREAS,  simultaneously  herewith,  the Pledgee is loaning to
the  Pledgor  the  sum of One  Hundred  Twelve  Thousand  Five  Hundred  Dollars
($112,500)  (the  "Loan") and the Pledgor is  executing  and  delivering  to the
Pledgee a Promissory Note of even date in such principal amount (the "Note").

                  WHEREAS,  the  proceeds  of the  Loan  are  being  used by the
Pledgor to purchase the Pledged Shares (as hereinafter defined).

                  WHEREAS,  the Pledgee desires,  and the Pledgor is willing, to
secure performance of the Note.

                  WHEREAS,  certain capitalized terms used herein are defined in
Section 8 hereof.

                  NOW, THEREFORE, the parties hereto agree as follows:

         1. PLEDGE.  The Pledgor  hereby grants to the Pledgee,  as security for
the  performance  by the Pledgor of all of his  obligations  under the Note (the
"Obligations"),  a valid and binding first  security  interest in the Collateral
(as hereinafter defined). The Pledgor has delivered  simultaneously  herewith to
the  Pledgee,  and the Pledgee  hereby  acknowledges  receipt of, a  certificate
evidencing  the  Pledged  Shares  registered  in the  name of the  Pledgor  (the
"Pledged Certificate"),  accompanied by appropriate stock powers endorsed by the
Pledgor (the "Stock Powers").

         2. TERM.  This Agreement  shall continue in effect until  terminated in
accordance with Section 7 hereof.

         3. SHARE RIGHTS; CASH DIVIDENDS.

                  (a) In the event of any change in the  Pledged  Shares  during
the term of this  Agreement  by reason of any stock  dividend,  stock  split-up,
reverse  split,  recapitalization,  combination,  reclassification,  exchange of
shares, merger,  consolidation or the like, all new, substituted,  or additional
stock, or other  securities,  issued by reason of any such change (the "Adjusted
Shares") (the Pledged Shares and the Adjusted Shares are hereinafter referred to
collectively  as the "Shares") shall be retained by or delivered to, as the case
may be, and held by the Pledgee  under the terms of this  Agreement  in the same
manner as the Pledged Shares originally pledged hereunder.

                  (b)  Unless  and  until  the   occurrence  of  a  Default  (as
hereinafter defined),  the Pledgor shall have the right to vote the Shares. Upon
the  occurrence of a Default,  the Shares shall be registered in the name of the
Pledgee and the Pledgee shall have all incidents of ownership thereof.

                                        1

                  (c) Provided  that no Default has  occurred,  any and all cash
dividends paid in respect of the Shares shall be paid to the Pledgor;  provided,
however, that, in any event, any extraordinary  distributions made in respect of
the Shares  shall be retained by the Pledgee and held by it in  accordance  with
the terms hereof.

         4.  REPRESENTATIONS.  The Pledgor hereby represents and warrants to the
Pledgee that:

                  (a) The Pledgor is the sole record and beneficial owner of the
Pledged  Shares,  free and  clear of all  liens,  pledges,  security  interests,
encumbrances, restrictions, subscriptions, hypothecations, charges and claims of
any kind whatsoever.

                  (b) No consents of governmental and other regulatory agencies,
foreign or  domestic,  or of other  parties are required to be received by or on
the part of the Pledgor to enable him to enter into and carry out this Agreement
and the transactions contemplated hereby.

                  (c) The Pledgor has the power to enter into this Agreement and
to carry out his obligations hereunder. This Agreement constitutes the valid and
binding  obligation of the Pledgor,  and is enforceable  in accordance  with its
terms.

                  (d) Neither the execution  and delivery of this  Agreement nor
compliance by the Pledgor with any of the provisions hereof nor the consummation
of the transactions contemplated hereby will violate or, alone or with notice or
the  passage  of time,  result  in the  material  breach or  termination  of, or
otherwise  give any  contracting  party the  right to  terminate,  or  declare a
default under, the terms of any agreement, understanding or arrangement to which
the Pledgor is a party or by which he or his assets or properties may be bound.

         5. COVENANTS.

                  (a) The Pledgor hereby  covenants that from and after the date
hereof and until the Obligations shall have been satisfied in full:

                           (i) The Pledgor will not grant, create, incur, assume
or suffer to exist any Lien in the Collateral (except for the Lien created 
hereby).

                           (ii) The Pledgor will defend the Pledgee's right,
title, and security interest in and to the Collateral against the claims of any
person, firm, corporation or other entity.

                           (iii) The Pledgor shall at any time and from time to
time, upon the written request of the Pledgee, execute and deliver such other 
instruments and documents and do such  further  acts and things as the Pledgee 
may  reasonably  request in order to effect the purposes of this Agreement.

                                        2

                  (b) The  Pledgee's  sole duty  with  respect  to the  custody,
safekeeping and physical preservation of the Collateral in its possession, under
Section  9-207 of the Code or  otherwise,  shall be to deal  with it in the same
manner as the Pledgee  deals with  similar  securities  and property for its own
account.

         6.  DEFAULT.  (a) In the  event  that the  Pledgor  fails to pay to the
Pledgee  any  Obligation  when due or there  shall  otherwise  occur an Event of
Default (as defined in the Note) ("Default"),  the Pledgee shall have all of the
rights and remedies  afforded to secured  parties with respect to the Collateral
as set forth in the Code as well as all other rights and remedies granted in the
Note and this Agreement.  Without limiting the generality of the foregoing,  the
Pledgee,  without demand of performance or other demand,  presentment,  protest,
advertisement  or notice of any kind (except any notice required by law referred
to  below)  to or upon the  Pledgor  (all and each of which  demands,  defenses,
advertisements  and  notices  are  hereby  waived),  may in  such  circumstances
forthwith collect, receive,  appropriate and realize upon the Collateral, or any
part thereof,  and/or may forthwith sell,  assign,  give an option or options to
purchase or otherwise  dispose of and deliver the Collateral or any part thereof
(or  contract to do any of the  foregoing),  in one or more parcels at public or
private sale or sales,  upon such terms and  conditions and at such prices as it
may deem  advisable,  for  cash or on  credit  or for  future  delivery  without
assumption  of any credit risk.  The Pledgee  shall have the right upon any such
public sale or sales, and, to the extent permitted by law, upon any such private
sale or sales,  to purchase the whole or any part of the Collateral so sold. The
Pledgee  shall  apply  any  proceeds  from  time to time  held by it and the net
proceeds of any such sale or other  disposition,  after deducting all reasonable
costs and expenses of every kind  incurred in respect  thereof or  incidental to
the care or  safekeeping  of any of the Collateral or in any way relating to the
Collateral  or  the  rights  of  the  Pledgee  hereunder,   including,   without
limitation,  reasonable  attorneys'  fees and  disbursements  of  counsel to the
Pledgee,  to the  satisfaction in whole or in part of the  Obligations,  in such
order as the  Pledgee  may elect and only after such  application  and after the
payment by the Pledgee of any other  amount  required by any  provision  of law,
including,  without  limitation,  Section  9-504  (1)(c) of the  Code,  need the
Pledgee account for the surplus, if any, to the Pledgor. To the extent permitted
by  applicable  law, the Pledgor  waives all claims,  damages and demands he may
acquire  against  the Pledgee  arising  out of the lawful  exercise by it of any
rights  hereunder.  Neither  the Pledgee  nor any of its  respective  directors,
officers,  employees  or agents shall be liable for failure to sell or otherwise
dispose  of the  Collateral  or for any delay in doing  so.  If any  notice of a
proposed sale or other  disposition of the Collateral  shall be required by law,
such  notice  shall be deemed  reasonable  and proper if given at least ten (10)
days before such sale or other disposition.  In any event,  notice of a proposed
sale or other disposition shall be given at least ten (10) days before such sale
or other disposition to the Pledgor and Abraham Weinzimer.

                  The  Pledgor  recognizes  that the  Pledgee  may be  unable to
effect  a  public  sale  of any or all  the  Collateral  by  reason  of  certain
restrictions contained in the Securities Act of 1933, as amended, and applicable
state  securities  laws or  otherwise,  and may be compelled to resort to one or
more private  sales thereof to a restricted  group of  purchasers  which will be
obliged to agree,  among other things,  to acquire such securities for their own
account  for  investment  and not  with a view  to the  distribution  or  resale
thereof. The Pledgor acknowledges and agrees that any such

                                        3

private  sale may result in prices and other terms less  favorable  than if such
sale  were a public  sale and  agrees  that any such  private  sale  under  such
circumstances  shall  not be  evidence  that it has been  made in  other  than a
commercially reasonable manner.

                  The Pledgor  agrees to use his best  efforts to do or cause to
be done all such  other acts as may be  necessary  to make such sale or sales of
all or any portion of the Collateral  pursuant to this section valid and binding
and in compliance with any and all other applicable requirements of law.

                  (b)  The  rights  of  the  Pledgee   hereunder  shall  not  be
conditioned or contingent upon the pursuit by the Pledgee of any right or remedy
against the Pledgor,  any other person which may be or become  liable in respect
of all or any  part  of the  Obligations  or  against  any  collateral  security
therefor,  guarantee  therefor or right of offset with respect thereto.  Neither
the Pledgee nor any of its affiliates or representatives shall be liable for any
failure to demand,  collect or realize upon all or any part of the Collateral or
for any delay in doing so, nor shall the Pledgee be under any obligation to sell
or otherwise  dispose of any  Collateral  upon the request of the Pledgor or any
other  person  or to  take  any  other  action  whatsoever  with  regard  to the
Collateral or any part thereof.

         7. TERMINATION OF AGREEMENT. Upon (i) the Pledgor's satisfaction of the
Obligations  in full (at which time the  Pledgee  shall  redeliver  the  Pledged
Certificate  and  accompanying  Stock  Powers  to  the  Pledgor),  or  (ii)  the
conclusion of the actions contemplated by Section 6 hereof, this Agreement shall
thereupon terminate.

         8.  DEFINED  TERMS.  The  following  terms  shall  have  the  following
meanings:

                  (a) "Code" means the Uniform Commercial Code from time to time
in effect in the State of New York.

                  (b) "Collateral" means the Pledged Shares and all Proceeds.

                  (c)  "Pledged   Shares"  means  four  hundred  fifty  thousand
(450,000)  shares  of Common  Stock of the  Pledgee,  together  with any and all
shares, stock certificates,  options or rights of any nature whatsoever that may
be issued or granted to the Pledgor  with regard  thereto,  in  substitution  or
replacement  thereof, as a conversion thereof, in exchange therefor or otherwise
in respect thereof.

                  (d) "Proceeds" means all "proceeds" as such term is defined in
Section  9-306(1)  of the Code on the  date  hereof  and,  in any  event,  shall
include,  without  limitation,  all  dividends  or other income from the Pledged
Shares, collections thereon and distributions with respect thereto.

         9. MISCELLANEOUS.

                  (a) This  Agreement  shall be binding  upon and shall inure to
the benefit of the parties hereto and their  respective  legal  representatives,
successors and assigns.

                                        4

                  (b)  This   Agreement   contains  the  entire   agreement  and
understanding  between the parties in respect of the subject matter hereof,  and
cannot be modified, changed, discharged or terminated except by an instrument in
writing,  signed by the party  against  whom  enforcement  of any  modification,
change, discharge or termination is sought.

                  (c) A waiver of the  breach of any term or  condition  of this
Agreement  shall not be deemed to constitute a waiver of any other breach of the
same or any other term or condition.

                  (d)  This   Agreement   will  be  construed  and  governed  in
accordance with the laws of the State of New York, excluding choice of law rules
thereof.

                  (e) All notices or other communications  required or permitted
hereunder shall be sufficiently given if delivered by hand, or sent by certified
mail,  return receipt  requested,  postage  prepaid,  facsimile  transmission or
overnight mail or courier, addressed as follows:

                           If to the Pledgor:

                           c/o Dealers Choice Automotive Planning Inc.
                           2545 Hempstead Turnpike
                           Suite 100
                           East Meadow, New York  11554
                           Telecopier Number:  (516) 735-7379

                           with a copy to:

                           Weil & Kestenbaum
                           42-40 Bell Boulevard
                           Bayside, New York  11361
                           Attention:  Alan Kestenbaum, Esq.
                           Telecopier Number:  (718) 281-0850

                           If to the Pledgee:

                           90 Merrick Avenue
                           East Meadow, New York  11554
                           Attention:  Chairman of the Board
                           Telecopier Number:  (516) 296-7111

                                        5

                           with a copy to:

                           Certilman Balin Adler & Hyman, LLP
                           90 Merrick Avenue
                           East Meadow, New York 11554
                           Attention: Fred Skolnik, Esq.
                           Telecopier Number:  (516) 296-7111

                  (f) The Pledgor  waives any and all notice of the extension or
modification of the terms of the Note.

                  (g) In the event that the Collateral or any portion thereof is
released to the Pledgor and any payments  of, or proceeds of any  security  for,
the Obligations, or any part thereof, are subsequently invalidated,  declared to
be  fraudulent  or  preferential,  set aside  and/or  required to be repaid to a
trustee,  receiver or any other party under any bankruptcy law, state or federal
law,  common law or  equitable  cause,  then the  Pledgor  shall  redeliver  the
Collateral and Stock Powers to the Pledgee and, until so redelivered, shall hold
the Collateral and Stock Powers as agent of, and in trust for, the Pledgee.

                  (h) If any  provision  hereof is  declared  to be invalid  and
unenforceable,  then,  to  the  fullest  extent  permitted  by  law,  the  other
provisions  hereof  shall remain in full force and effect and shall be liberally
construed  in favor of the Pledgee in order to carry out the  intentions  of the
parties hereto as nearly as may be possible.

                  (i) Each party acknowledges that he or it has been represented
by counsel in connection  with this Agreement.  Accordingly,  any rule or law or
any  legal  decision  that  would  require  the  interpretation  of any  claimed
ambiguities  in  this  Agreement  against  the  party  that  drafted  it  has no
application  and is expressly  waived by the  parties.  The  provisions  of this
Agreement  shall be  interpreted  in a  reasonable  manner to give effect to the
intent of the parties hereto.

                                        6

                  IN WITNESS  WHEREOF,  the parties  hereto have  executed  this
Agreement as of the day and year first above written.

                                                /s/ Kevin Lang
                                                --------------
                                                Kevin Lang

                                                DCAP GROUP, INC.

                                                By:/s/ Morton L. Certilman
                                                --------------------------
                                                   Morton L. Certilman,
                                                   Chairman of the Board

                                        7

                  PLEDGE  AGREEMENT,  dated  February 25,  1999,  by and between
ABRAHAM  WEINZIMER  (the  "Pledgor")  and  DCAP  GROUP,  INC.  (formerly  EXTECH
Corporation), a Delaware corporation (the "Pledgee").

                  WHEREAS,  simultaneously  herewith,  the Pledgor is purchasing
from the Pledgee four hundred  seventy-five  thousand (475,000) shares of Common
Stock of the Pledgee and, in partial  consideration  therefor,  is executing and
delivering to the Pledgee a Promissory Note of even date in the principal amount
of One Hundred Fourteen Thousand Dollars ($114,000) (the "Note").

                  WHEREAS,  the Pledgee desires,  and the Pledgor is willing, to
secure performance of the Note.

                  WHEREAS,  certain capitalized terms used herein are defined in
Section 8 hereof.

                  NOW, THEREFORE, the parties hereto agree as follows:

         1. PLEDGE.  The Pledgor  hereby grants to the Pledgee,  as security for
the  performance  by the Pledgor of all of his  obligations  under the Note (the
"Obligations"),  a valid and binding first  security  interest in the Collateral
(as hereinafter defined). The Pledgor has delivered  simultaneously  herewith to
the  Pledgee,  and the Pledgee  hereby  acknowledges  receipt of, a  certificate
evidencing  the  Pledged  Shares  registered  in the  name of the  Pledgor  (the
"Pledged Certificate"),  accompanied by appropriate stock powers endorsed by the
Pledgor (the "Stock Powers").

         2. TERM.  This Agreement  shall continue in effect until  terminated in
accordance with Section 7 hereof.

         3. SHARE RIGHTS; CASH DIVIDENDS.

                  (a) In the event of any change in the  Pledged  Shares  during
the term of this  Agreement  by reason of any stock  dividend,  stock  split-up,
reverse  split,  recapitalization,  combination,  reclassification,  exchange of
shares, merger,  consolidation or the like, all new, substituted,  or additional
stock, or other  securities,  issued by reason of any such change (the "Adjusted
Shares") (the Pledged Shares and the Adjusted Shares are hereinafter referred to
collectively  as the "Shares") shall be retained by or delivered to, as the case
may be, and held by the Pledgee  under the terms of this  Agreement  in the same
manner as the Pledged Shares originally pledged hereunder.

                  (b)  Unless  and  until  the   occurrence  of  a  Default  (as
hereinafter defined),  the Pledgor shall have the right to vote the Shares. Upon
the  occurrence of a Default,  the Shares shall be registered in the name of the
Pledgee and the Pledgee shall have all incidents of ownership thereof.

                  (c) Provided  that no Default has  occurred,  any and all cash
dividends paid in respect of the Shares shall be paid to the Pledgor;  provided,
however, that, in any event, any extraordinary  distributions made in respect of
the Shares  shall be retained by the Pledgee and held by it in  accordance  with
the terms hereof.

                                        1

         4.  REPRESENTATIONS.  The Pledgor hereby represents and warrants to the
Pledgee that:

                  (a) The Pledgor is the sole record and beneficial owner of the
Pledged  Shares,  free and  clear of all  liens,  pledges,  security  interests,
encumbrances, restrictions, subscriptions, hypothecations, charges and claims of
any kind whatsoever.

                  (b) No consents of governmental and other regulatory agencies,
foreign or  domestic,  or of other  parties are required to be received by or on
the part of the Pledgor to enable him to enter into and carry out this Agreement
and the transactions contemplated hereby.

                  (c) The Pledgor has the power to enter into this Agreement and
to carry out his obligations hereunder. This Agreement constitutes the valid and
binding  obligation of the Pledgor,  and is enforceable  in accordance  with its
terms.

                  (d) Neither the execution  and delivery of this  Agreement nor
compliance by the Pledgor with any of the provisions hereof nor the consummation
of the transactions contemplated hereby will violate or, alone or with notice or
the  passage  of time,  result  in the  material  breach or  termination  of, or
otherwise  give any  contracting  party the  right to  terminate,  or  declare a
default under, the terms of any agreement, understanding or arrangement to which
the Pledgor is a party or by which he or his assets or properties may be bound.

         5. COVENANTS.

                  (a) The Pledgor hereby  covenants that from and after the date
hereof and until the Obligations shall have been satisfied in full:

                           (i) The Pledgor will not grant, create, incur, assume
or suffer to exist any Lien in the Collateral (except for the Lien created
hereby).

                           (ii) The  Pledgor  will defend the  Pledgee's  right,
title, and security interest in and to the Collateral against the claims of any 
person, firm, corporation or other entity.

                           (iii) The Pledgor  shall at any time and from time to
time, upon the written request of the Pledgee, execute and deliver such other 
instruments and documents and do such  further  acts and things as the Pledgee 
may  reasonably  request in order to effect the purposes of this Agreement.

                  (b) The  Pledgee's  sole duty  with  respect  to the  custody,
safekeeping and physical preservation of the Collateral in its possession, under
Section  9-207 of the Code or  otherwise,  shall be to deal  with it in the same
manner as the Pledgee  deals with  similar  securities  and property for its own
account.

                                        2

         6.  DEFAULT.  (a) In the  event  that the  Pledgor  fails to pay to the
Pledgee  any  Obligation  when due or there  shall  otherwise  occur an Event of
Default (as defined in the Note) ("Default"),  the Pledgee shall have all of the
rights and remedies  afforded to secured  parties with respect to the Collateral
as set forth in the Code as well as all other rights and remedies granted in the
Note and this Agreement.  Without limiting the generality of the foregoing,  the
Pledgee,  without demand of performance or other demand,  presentment,  protest,
advertisement  or notice of any kind (except any notice required by law referred
to  below)  to or upon the  Pledgor  (all and each of which  demands,  defenses,
advertisements  and  notices  are  hereby  waived),  may in  such  circumstances
forthwith collect, receive,  appropriate and realize upon the Collateral, or any
part thereof,  and/or may forthwith sell,  assign,  give an option or options to
purchase or otherwise  dispose of and deliver the Collateral or any part thereof
(or  contract to do any of the  foregoing),  in one or more parcels at public or
private sale or sales,  upon such terms and  conditions and at such prices as it
may deem  advisable,  for  cash or on  credit  or for  future  delivery  without
assumption  of any credit risk.  The Pledgee  shall have the right upon any such
public sale or sales, and, to the extent permitted by law, upon any such private
sale or sales,  to purchase the whole or any part of the Collateral so sold. The
Pledgee  shall  apply  any  proceeds  from  time to time  held by it and the net
proceeds of any such sale or other  disposition,  after deducting all reasonable
costs and expenses of every kind  incurred in respect  thereof or  incidental to
the care or  safekeeping  of any of the Collateral or in any way relating to the
Collateral  or  the  rights  of  the  Pledgee  hereunder,   including,   without
limitation,  reasonable  attorneys'  fees and  disbursements  of  counsel to the
Pledgee,  to the  satisfaction in whole or in part of the  Obligations,  in such
order as the  Pledgee  may elect and only after such  application  and after the
payment by the Pledgee of any other  amount  required by any  provision  of law,
including,  without  limitation,  Section  9-504  (1)(c) of the  Code,  need the
Pledgee account for the surplus, if any, to the Pledgor. To the extent permitted
by  applicable  law, the Pledgor  waives all claims,  damages and demands he may
acquire  against  the Pledgee  arising  out of the lawful  exercise by it of any
rights  hereunder.  Neither  the Pledgee  nor any of its  respective  directors,
officers,  employees  or agents shall be liable for failure to sell or otherwise
dispose  of the  Collateral  or for any delay in doing  so.  If any  notice of a
proposed sale or other  disposition of the Collateral  shall be required by law,
such  notice  shall be deemed  reasonable  and proper if given at least ten (10)
days before such sale or other disposition.  In any event,  notice of a proposed
sale or other disposition shall be given at least ten (10) days before such sale
or other  disposition  to the Pledgor and Kevin Lang.  The Pledgor  shall remain
liable for any  deficiency if the proceeds of any sale or other  disposition  of
the Collateral are  insufficient  to pay all of the  Obligations and any and all
costs and  expenses of every kind  incurred by the Pledgee  with  respect to the
collection of such deficiency,  including,  without  limitation,  all reasonable
fees and disbursements of any attorneys employed by the Pledgee.

                  The  Pledgor  recognizes  that the  Pledgee  may be  unable to
effect  a  public  sale  of any or all  the  Collateral  by  reason  of  certain
restrictions contained in the Securities Act of 1933, as amended, and applicable
state  securities  laws or  otherwise,  and may be compelled to resort to one or
more private  sales thereof to a restricted  group of  purchasers  which will be
obliged to agree,  among other things,  to acquire such securities for their own
account  for  investment  and not  with a view  to the  distribution  or  resale
thereof.  The Pledgor  acknowledges  and agrees that any such  private  sale may
result in prices and other terms less  favorable than if such sale were a public
sale

                                        3

and agrees  that any such  private  sale under such  circumstances  shall not be
evidence that it has been made in other than a commercially reasonable manner.

                  The Pledgor  agrees to use his best  efforts to do or cause to
be done all such  other acts as may be  necessary  to make such sale or sales of
all or any portion of the Collateral  pursuant to this section valid and binding
and in compliance with any and all other applicable requirements of law.

                  (b)  The  rights  of  the  Pledgee   hereunder  shall  not  be
conditioned or contingent upon the pursuit by the Pledgee of any right or remedy
against the Pledgor,  any other person which may be or become  liable in respect
of all or any  part  of the  Obligations  or  against  any  collateral  security
therefor,  guarantee  therefor or right of offset with respect thereto.  Neither
the Pledgee nor any of its affiliates or representatives shall be liable for any
failure to demand,  collect or realize upon all or any part of the Collateral or
for any delay in doing so, nor shall the Pledgee be under any obligation to sell
or otherwise  dispose of any  Collateral  upon the request of the Pledgor or any
other  person  or to  take  any  other  action  whatsoever  with  regard  to the
Collateral or any part thereof.

         7. TERMINATION OF AGREEMENT; PARTIAL RELEASE.  (a) Upon (i) the
Pledgor's  satisfaction  of the  Obligations  in full (at which time the Pledgee
shall  redeliver the Pledged  Certificate and  accompanying  Stock Powers to the
Pledgor),  or (ii) the  conclusion  of the  actions  contemplated  by  Section 6
hereof, this Agreement shall thereupon terminate.

                  (b) Provided  that no Default has occurred and is  continuing,
for each one  dollar  ($1.00) of  principal  amount of the Note,  together  with
accrued interest thereon,  that is paid to the Pledgee,  five (5) Pledged Shares
shall be released from the pledge created hereby and redelivered to the Pledgor.

         8.  DEFINED  TERMS.  The  following  terms  shall  have  the  following
meanings:

                  (a) "Code" means the Uniform Commercial Code from time to time
in effect in the State of New York.

                  (b) "Collateral" means the Pledged Shares and all Proceeds.

                  (c)  "Pledged  Shares"  means five  hundred  seventy  thousand
(570,000)  shares  of Common  Stock of the  Pledgee,  together  with any and all
shares, stock certificates,  options or rights of any nature whatsoever that may
be issued or granted to the Pledgor  with regard  thereto,  in  substitution  or
replacement  thereof, as a conversion thereof, in exchange therefor or otherwise
in respect thereof.

                  (d) "Proceeds" means all "proceeds" as such term is defined in
Section  9-306(1)  of the Code on the  date  hereof  and,  in any  event,  shall
include,  without  limitation,  all  dividends  or other income from the Pledged
Shares, collections thereon and distributions with respect thereto.

                                        4

         9. MISCELLANEOUS.

                  (a) This  Agreement  shall be binding  upon and shall inure to
the benefit of the parties hereto and their  respective  legal  representatives,
successors and assigns.

                  (b)  This   Agreement   contains  the  entire   agreement  and
understanding  between the parties in respect of the subject matter hereof,  and
cannot be modified, changed, discharged or terminated except by an instrument in
writing,  signed by the party  against  whom  enforcement  of any  modification,
change, discharge or termination is sought.

                  (c) A waiver of the  breach of any term or  condition  of this
Agreement  shall not be deemed to constitute a waiver of any other breach of the
same or any other term or condition.

                  (d)  This   Agreement   will  be  construed  and  governed  in
accordance with the laws of the State of New York, excluding choice of law rules
thereof.

                  (e) All notices or other communications  required or permitted
hereunder shall be sufficiently given if delivered by hand, or sent by certified
mail,  return receipt  requested,  postage  prepaid,  facsimile  transmission or
overnight mail or courier, addressed as follows:

                           If to the Pledgor:

                           c/o Dealers Choice Automotive Planning Inc.
                           2545 Hempstead Turnpike
                           Suite 100
                           East Meadow, New York  11554
                           Telecopier Number:  (516) 735-7379

                           with a copy to:

                           Weil & Kestenbaum
                           42-40 Bell Boulevard
                           Bayside, New York  11361
                           Attention:  Alan Kestenbaum, Esq.
                           Telecopier Number:  (718) 281-0850

                           If to the Pledgee:

                           90 Merrick Avenue
                           East Meadow, New York  11554
                           Attention:  Chairman of the Board
                           Telecopier Number:  (516) 296-7111

                                        5

                           with a copy to:

                           Certilman Balin Adler & Hyman, LLP
                           90 Merrick Avenue
                           East Meadow, New York 11554
                           Attention: Fred Skolnik, Esq.
                           Telecopier Number:  (516) 296-7111

                  (f) The Pledgor  waives any and all notice of the extension or
modification of the terms of the Note.

                  (g) In the event that the Collateral or any portion thereof is
released to the Pledgor and any payments  of, or proceeds of any  security  for,
the Obligations, or any part thereof, are subsequently invalidated,  declared to
be  fraudulent  or  preferential,  set aside  and/or  required to be repaid to a
trustee,  receiver or any other party under any bankruptcy law, state or federal
law,  common law or  equitable  cause,  then the  Pledgor  shall  redeliver  the
Collateral and Stock Powers to the Pledgee and, until so redelivered, shall hold
the Collateral and Stock Powers as agent of, and in trust for, the Pledgee.

                  (h) If any  provision  hereof is  declared  to be invalid  and
unenforceable,  then,  to  the  fullest  extent  permitted  by  law,  the  other
provisions  hereof  shall remain in full force and effect and shall be liberally
construed  in favor of the Pledgee in order to carry out the  intentions  of the
parties hereto as nearly as may be possible.

                  (i) Each party acknowledges that he or it has been represented
by counsel in connection  with this Agreement.  Accordingly,  any rule or law or
any  legal  decision  that  would  require  the  interpretation  of any  claimed
ambiguities  in  this  Agreement  against  the  party  that  drafted  it  has no
application  and is expressly  waived by the  parties.  The  provisions  of this
Agreement  shall be  interpreted  in a  reasonable  manner to give effect to the
intent of the parties hereto.

                                        6

                  IN WITNESS  WHEREOF,  the parties  hereto have  executed  this
Agreement as of the day and year first above written.

                                                 /s/ Abraham Weinzimer
                                                 ---------------------
                                                 Abraham Weinzimer

                                                 DCAP GROUP, INC.

                                                 By:/s/ Morton L. Certilman
                                                 --------------------------
                                                    Morton L. Certilman,
                                                    Chairman of the Board

                                        7

                  PLEDGE  AGREEMENT,  dated  February 25,  1999,  by and between
ABRAHAM  WEINZIMER  (the  "Pledgor")  and  DCAP  GROUP,  INC.  (formerly  EXTECH
Corporation), a Delaware corporation (the "Pledgee").

                  WHEREAS,  simultaneously  herewith,  the Pledgee is loaning to
the  Pledgor  the  sum of One  Hundred  Twelve  Thousand  Five  Hundred  Dollars
($112,500)  (the  "Loan") and the Pledgor is  executing  and  delivering  to the
Pledgee a Promissory Note of even date in such principal amount (the "Note").

                  WHEREAS,  the  proceeds  of the  Loan  are  being  used by the
Pledgor to purchase the Pledged Shares (as hereinafter defined).

                  WHEREAS,  the Pledgee desires,  and the Pledgor is willing, to
secure performance of the Note.

                  WHEREAS,  certain capitalized terms used herein are defined in
Section 8 hereof.

                  NOW, THEREFORE, the parties hereto agree as follows:

         1. PLEDGE.  The Pledgor  hereby grants to the Pledgee,  as security for
the  performance  by the Pledgor of all of his  obligations  under the Note (the
"Obligations"),  a valid and binding first  security  interest in the Collateral
(as hereinafter defined). The Pledgor has delivered  simultaneously  herewith to
the  Pledgee,  and the Pledgee  hereby  acknowledges  receipt of, a  certificate
evidencing  the  Pledged  Shares  registered  in the  name of the  Pledgor  (the
"Pledged Certificate"),  accompanied by appropriate stock powers endorsed by the
Pledgor (the "Stock Powers").

         2. TERM.  This Agreement  shall continue in effect until  terminated in
accordance with Section 7 hereof.

         3. SHARE RIGHTS; CASH DIVIDENDS.

                  (a) In the event of any change in the  Pledged  Shares  during
the term of this  Agreement  by reason of any stock  dividend,  stock  split-up,
reverse  split,  recapitalization,  combination,  reclassification,  exchange of
shares, merger,  consolidation or the like, all new, substituted,  or additional
stock, or other  securities,  issued by reason of any such change (the "Adjusted
Shares") (the Pledged Shares and the Adjusted Shares are hereinafter referred to
collectively  as the "Shares") shall be retained by or delivered to, as the case
may be, and held by the Pledgee  under the terms of this  Agreement  in the same
manner as the Pledged Shares originally pledged hereunder.

                  (b)  Unless  and  until  the   occurrence  of  a  Default  (as
hereinafter defined),  the Pledgor shall have the right to vote the Shares. Upon
the  occurrence of a Default,  the Shares shall be registered in the name of the
Pledgee and the Pledgee shall have all incidents of ownership thereof.

                                       1

                  (c) Provided  that no Default has  occurred,  any and all cash
dividends paid in respect of the Shares shall be paid to the Pledgor;  provided,
however, that, in any event, any extraordinary  distributions made in respect of
the Shares  shall be retained by the Pledgee and held by it in  accordance  with
the terms hereof.

         4.  REPRESENTATIONS.  The Pledgor hereby represents and warrants to the
Pledgee that:

                  (a) The Pledgor is the sole record and beneficial owner of the
Pledged  Shares,  free and  clear of all  liens,  pledges,  security  interests,
encumbrances, restrictions, subscriptions, hypothecations, charges and claims of
any kind whatsoever.

                  (b) No consents of governmental and other regulatory agencies,
foreign or  domestic,  or of other  parties are required to be received by or on
the part of the Pledgor to enable him to enter into and carry out this Agreement
and the transactions contemplated hereby.

                  (c) The Pledgor has the power to enter into this Agreement and
to carry out his obligations hereunder. This Agreement constitutes the valid and
binding  obligation of the Pledgor,  and is enforceable  in accordance  with its
terms.

                  (d) Neither the execution  and delivery of this  Agreement nor
compliance by the Pledgor with any of the provisions hereof nor the consummation
of the transactions contemplated hereby will violate or, alone or with notice or
the  passage  of time,  result  in the  material  breach or  termination  of, or
otherwise  give any  contracting  party the  right to  terminate,  or  declare a
default under, the terms of any agreement, understanding or arrangement to which
the Pledgor is a party or by which he or his assets or properties may be bound.

         5. COVENANTS.

                  (a) The Pledgor hereby  covenants that from and after the date
hereof and until the Obligations shall have been satisfied in full:

                           (i) The Pledgor will not grant, create, incur, assume
or suffer to exist any Lien in the Collateral (except for the Lien created 
hereby).

                           (ii) The  Pledgor  will defend the  Pledgee's  right,
title, and security interest in and to the Collateral against the claims of any
person, firm, corporation or other entity.

                           (iii) The Pledgor  shall at any time and from time to
time, upon the written request of the Pledgee, execute and deliver such other 
instruments and documents and do such  further  acts and things as the Pledgee 
may  reasonably  request in order to effect the purposes of this Agreement.

                                        2

                  (b) The  Pledgee's  sole duty  with  respect  to the  custody,
safekeeping and physical preservation of the Collateral in its possession, under
Section  9-207 of the Code or  otherwise,  shall be to deal  with it in the same
manner as the Pledgee  deals with  similar  securities  and property for its own
account.

         6.  DEFAULT.  (a) In the  event  that the  Pledgor  fails to pay to the
Pledgee  any  Obligation  when due or there  shall  otherwise  occur an Event of
Default (as defined in the Note) ("Default"),  the Pledgee shall have all of the
rights and remedies  afforded to secured  parties with respect to the Collateral
as set forth in the Code as well as all other rights and remedies granted in the
Note and this Agreement.  Without limiting the generality of the foregoing,  the
Pledgee,  without demand of performance or other demand,  presentment,  protest,
advertisement  or notice of any kind (except any notice required by law referred
to  below)  to or upon the  Pledgor  (all and each of which  demands,  defenses,
advertisements  and  notices  are  hereby  waived),  may in  such  circumstances
forthwith collect, receive,  appropriate and realize upon the Collateral, or any
part thereof,  and/or may forthwith sell,  assign,  give an option or options to
purchase or otherwise  dispose of and deliver the Collateral or any part thereof
(or  contract to do any of the  foregoing),  in one or more parcels at public or
private sale or sales,  upon such terms and  conditions and at such prices as it
may deem  advisable,  for  cash or on  credit  or for  future  delivery  without
assumption  of any credit risk.  The Pledgee  shall have the right upon any such
public sale or sales, and, to the extent permitted by law, upon any such private
sale or sales,  to purchase the whole or any part of the Collateral so sold. The
Pledgee  shall  apply  any  proceeds  from  time to time  held by it and the net
proceeds of any such sale or other  disposition,  after deducting all reasonable
costs and expenses of every kind  incurred in respect  thereof or  incidental to
the care or  safekeeping  of any of the Collateral or in any way relating to the
Collateral  or  the  rights  of  the  Pledgee  hereunder,   including,   without
limitation,  reasonable  attorneys'  fees and  disbursements  of  counsel to the
Pledgee,  to the  satisfaction in whole or in part of the  Obligations,  in such
order as the  Pledgee  may elect and only after such  application  and after the
payment by the Pledgee of any other  amount  required by any  provision  of law,
including,  without  limitation,  Section  9-504  (1)(c) of the  Code,  need the
Pledgee account for the surplus, if any, to the Pledgor. To the extent permitted
by  applicable  law, the Pledgor  waives all claims,  damages and demands he may
acquire  against  the Pledgee  arising  out of the lawful  exercise by it of any
rights  hereunder.  Neither  the Pledgee  nor any of its  respective  directors,
officers,  employees  or agents shall be liable for failure to sell or otherwise
dispose  of the  Collateral  or for any delay in doing  so.  If any  notice of a
proposed sale or other  disposition of the Collateral  shall be required by law,
such  notice  shall be deemed  reasonable  and proper if given at least ten (10)
days before such sale or other disposition.  In any event,  notice of a proposed
sale or other disposition shall be given at least ten (10) days before such sale
or other disposition to the Pledgor and Kevin Lang.

                  The  Pledgor  recognizes  that the  Pledgee  may be  unable to
effect  a  public  sale  of any or all  the  Collateral  by  reason  of  certain
restrictions contained in the Securities Act of 1933, as amended, and applicable
state  securities  laws or  otherwise,  and may be compelled to resort to one or
more private  sales thereof to a restricted  group of  purchasers  which will be
obliged to agree,  among other things,  to acquire such securities for their own
account  for  investment  and not  with a view  to the  distribution  or  resale
thereof. The Pledgor acknowledges and agrees that any such

                                        3

private  sale may result in prices and other terms less  favorable  than if such
sale  were a public  sale and  agrees  that any such  private  sale  under  such
circumstances  shall  not be  evidence  that it has been  made in  other  than a
commercially reasonable manner.

                  The Pledgor  agrees to use his best  efforts to do or cause to
be done all such  other acts as may be  necessary  to make such sale or sales of
all or any portion of the Collateral  pursuant to this section valid and binding
and in compliance with any and all other applicable requirements of law.

                  (b)  The  rights  of  the  Pledgee   hereunder  shall  not  be
conditioned or contingent upon the pursuit by the Pledgee of any right or remedy
against the Pledgor,  any other person which may be or become  liable in respect
of all or any  part  of the  Obligations  or  against  any  collateral  security
therefor,  guarantee  therefor or right of offset with respect thereto.  Neither
the Pledgee nor any of its affiliates or representatives shall be liable for any
failure to demand,  collect or realize upon all or any part of the Collateral or
for any delay in doing so, nor shall the Pledgee be under any obligation to sell
or otherwise  dispose of any  Collateral  upon the request of the Pledgor or any
other  person  or to  take  any  other  action  whatsoever  with  regard  to the
Collateral or any part thereof.

         7. TERMINATION OF AGREEMENT. Upon (i) the Pledgor's satisfaction of the
Obligations  in full (at which time the  Pledgee  shall  redeliver  the  Pledged
Certificate  and  accompanying  Stock  Powers  to  the  Pledgor),  or  (ii)  the
conclusion of the actions contemplated by Section 6 hereof, this Agreement shall
thereupon terminate.

         8.  DEFINED  TERMS.  The  following  terms  shall  have  the  following
meanings:

                  (a) "Code" means the Uniform Commercial Code from time to time
in effect in the State of New York.

                  (b) "Collateral" means the Pledged Shares and all Proceeds.

                  (c)  "Pledged   Shares"  means  four  hundred  fifty  thousand
(450,000)  shares  of Common  Stock of the  Pledgee,  together  with any and all
shares, stock certificates,  options or rights of any nature whatsoever that may
be issued or granted to the Pledgor  with regard  thereto,  in  substitution  or
replacement  thereof, as a conversion thereof, in exchange therefor or otherwise
in respect thereof.

                  (d) "Proceeds" means all "proceeds" as such term is defined in
Section  9-306(1)  of the Code on the  date  hereof  and,  in any  event,  shall
include,  without  limitation,  all  dividends  or other income from the Pledged
Shares, collections thereon and distributions with respect thereto.

         9. MISCELLANEOUS.

                  (a) This  Agreement  shall be binding  upon and shall inure to
the benefit of the parties hereto and their  respective  legal  representatives,
successors and assigns.

                                        4

                  (b)  This   Agreement   contains  the  entire   agreement  and
understanding  between the parties in respect of the subject matter hereof,  and
cannot be modified, changed, discharged or terminated except by an instrument in
writing,  signed by the party  against  whom  enforcement  of any  modification,
change, discharge or termination is sought.

                  (c) A waiver of the  breach of any term or  condition  of this
Agreement  shall not be deemed to constitute a waiver of any other breach of the
same or any other term or condition.

                  (d)  This   Agreement   will  be  construed  and  governed  in
accordance with the laws of the State of New York, excluding choice of law rules
thereof.

                  (e) All notices or other communications  required or permitted
hereunder shall be sufficiently given if delivered by hand, or sent by certified
mail,  return receipt  requested,  postage  prepaid,  facsimile  transmission or
overnight mail or courier, addressed as follows:

                           If to the Pledgor:

                           c/o Dealers Choice Automotive Planning Inc.
                           2545 Hempstead Turnpike
                           Suite 100
                           East Meadow, New York  11554
                           Telecopier Number:  (516) 735-7379

                           with a copy to:

                           Weil & Kestenbaum
                           42-40 Bell Boulevard
                           Bayside, New York  11361
                           Attention:  Alan Kestenbaum, Esq.
                           Telecopier Number:  (718) 281-0850

                           If to the Pledgee:

                           90 Merrick Avenue
                           East Meadow, New York  11554
                           Attention:  Chairman of the Board
                           Telecopier Number:  (516) 296-7111

                                        5

                           with a copy to:

                           Certilman Balin Adler & Hyman, LLP
                           90 Merrick Avenue
                           East Meadow, New York 11554
                           Attention: Fred Skolnik, Esq.
                           Telecopier Number:  (516) 296-7111

                  (f) The Pledgor  waives any and all notice of the extension or
modification of the terms of the Note.

                  (g) In the event that the Collateral or any portion thereof is
released to the Pledgor and any payments  of, or proceeds of any  security  for,
the Obligations, or any part thereof, are subsequently invalidated,  declared to
be  fraudulent  or  preferential,  set aside  and/or  required to be repaid to a
trustee,  receiver or any other party under any bankruptcy law, state or federal
law,  common law or  equitable  cause,  then the  Pledgor  shall  redeliver  the
Collateral and Stock Powers to the Pledgee and, until so redelivered, shall hold
the Collateral and Stock Powers as agent of, and in trust for, the Pledgee.

                  (h) If any  provision  hereof is  declared  to be invalid  and
unenforceable,  then,  to  the  fullest  extent  permitted  by  law,  the  other
provisions  hereof  shall remain in full force and effect and shall be liberally
construed  in favor of the Pledgee in order to carry out the  intentions  of the
parties hereto as nearly as may be possible.

                  (i) Each party acknowledges that he or it has been represented
by counsel in connection  with this Agreement.  Accordingly,  any rule or law or
any  legal  decision  that  would  require  the  interpretation  of any  claimed
ambiguities  in  this  Agreement  against  the  party  that  drafted  it  has no
application  and is expressly  waived by the  parties.  The  provisions  of this
Agreement  shall be  interpreted  in a  reasonable  manner to give effect to the
intent of the parties hereto.

                                        6

                  IN WITNESS  WHEREOF,  the parties  hereto have  executed  this
Agreement as of the day and year first above written.

                                                  /s/ Abraham Weinzimer
                                                  ---------------------
                                                  Abraham Weinzimer

                                                  DCAP GROUP, INC.

                                                  By:/s/ Morton L. Certilman
                                                  --------------------------
                                                     Morton L. Certilman,
                                                     Chairman of the Board

                                        7

                  STOCK OPTION AGREEMENT, dated as of February 25, 1999, between
DCAP GROUP,  INC.  (formerly EXTECH  Corporation),  a Delaware  corporation (the
"Company"), and MORTON L. CERTILMAN (the "Optionee").

                  WHEREAS, simultaneously herewith, the Company is entering into
an Employment  Agreement with the Optionee  pursuant to which the Optionee is to
perform certain employment duties and services for the Company; and

                  WHEREAS,  the  Company  desires to provide to the  Optionee an
additional incentive to promote the success of the Company.

                  NOW, THEREFORE, in consideration of the foregoing, the Company
hereby grants to the Optionee the right and option to purchase  Common Shares of
the Company under and pursuant to the terms and conditions of the Company's 1998
Stock Option Plan (the "Plan") and upon the following terms and conditions:

         1. GRANT OF OPTION. The Company hereby grants to the Optionee the right
and option (the  "Option")  to purchase up to Two Hundred  Twenty-Five  Thousand
(225,000)  Common  Shares  of the  Company  (the  "Option  Shares")  during  the
following periods:

                  (a)  All or any  part  of One  Hundred  Twelve  Thousand  Five
Hundred (112,500) Common Shares may be purchased during the period commencing on
the first  anniversary  of the date hereof and  terminating  at 5:00 P.M. on the
fifth anniversary of the date hereof (the "Expiration Date").

                  (b)  All or any  part  of an  additional  One  Hundred  Twelve
Thousand Five Hundred (112,500) Common Shares may be purchased during the period
commencing on the second  anniversary of the date hereof and terminating at 5:00
P.M. on the Expiration Date.

         2. NATURE OF OPTION.  The Option to purchase  the initial  Thirty-Seven
Thousand One Hundred  Seventy-Four  (37,174) Option Shares commencing in each of
2000 and  2001 is  intended  to meet  the  requirements  of  Section  422 of the
Internal  Revenue  Code of  1986,  as  amended,  relating  to  "incentive  stock
options." The remaining Option to purchase Option Shares is not intended to meet
such requirements.

         3.  EXERCISE  PRICE.  The exercise  price of each of the Option  Shares
shall be Two Dollars Sixty-Nine Cents ($2.69) (the "Option Price").

         4.  EXERCISE OF OPTIONS.  The Option shall be  exercised in  accordance
with the  provisions  of the Plan. As soon as  practicable  after the receipt of
notice of exercise  and payment of the Option Price as provided for in the Plan,
the Company shall tender to the Optionee a certificate  issued in the Optionee's
name evidencing the number of Option Shares covered thereby.

         5. TRANSFERABILITY.  The Option shall not be transferable other than by
will or the  laws  of  descent  and  distribution  and,  during  the  Optionee's
lifetime, shall not be exercisable by any person other than the Optionee.

         6. INCORPORATION BY REFERENCE. The terms and conditions of the Plan are
hereby incorporated by reference and made a part hereof.

         7. NOTICES.  Any notice or other communication given hereunder shall be
deemed  sufficient if in writing and  delivered  personally or sent by facsimile
transmission,  overnight mail or courier or registered or certified mail, return
receipt  requested,  postage  prepaid,  addressed  to the  Company at 90 Merrick
Avenue,  East Meadow, New York 11554,  Attention:  President (fax number:  (516)
296-7111),  and to the  Optionee at the address set forth below or to such other
address as either party may hereafter designate in writing to the other party in
accordance  with the  provisions  hereof.  Notices  shall be deemed to have been
given on the date of  mailing  or  transmission,  except  notices  of  change of
address, which shall be deemed to have been given when received.

         8. BINDING  EFFECT.  This Agreement  shall be binding upon and inure to
the benefit of the parties hereto and their  respective  legal  representatives,
successors and assigns.

         9. ENTIRE AGREEMENT.  This Agreement,  together with the Plan, contains
the entire  understanding  of the  parties  hereto  with  respect to the subject
matter hereof and may be modified  only by an  instrument  executed by the party
sought to be charged.  No  amendment  on the part of the Company  shall be valid
unless approved by its Board of Directors.

         10.  GOVERNING LAW. This Agreement  shall be governed by, and construed
in accordance  with, the laws of the State of New York,  excluding choice of law
rules thereof.

         11.  EXECUTION  IN  COUNTERPARTS.  This  Agreement  may be  executed in
counterparts, each of which shall be deemed to be an original, but both of which
together shall constitute one and the same instrument.

         12. FACSIMILE  SIGNATURES.  Signatures hereon which are transmitted via
facsimile shall be deemed original signatures.

         13.   REPRESENTATION   BY   COUNSEL;   INTERPRETATION.   The   Optionee
acknowledges  that he has been  represented  by counsel in connection  with this
Agreement. Accordingly, any rule or law or any legal decision that would require
the  interpretation  of any claimed  ambiguities in this  Agreement  against the
party  that  drafted  it  has no  application  and is  expressly  waived  by the
Optionee.  The provisions of this Agreement shall be interpreted in a reasonable
manner to give effect to the intent of the parties hereto.

         14. HEADINGS.  The headings and captions under sections and paragraphs
of this

                                        2

Agreement are for  convenience  of reference  only and do not in any way modify,
interpret or construe the intent of the parties or affect any of the  provisions
of this Agreement.

                  IN WITNESS  WHEREOF,  the parties have executed this Agreement
as of the day and year first above written.

                                          DCAP GROUP, INC.

                                          By: /s/ Kevin Lang
                                          ------------------
                                              Kevin Lang, President

                                          /s/ Morton L. Certilman
                                          -----------------------
                                          Morton L. Certilman

                                          90 Merrick Avenue
                                          East Meadow, New York 11554
                                          ---------------------------
                                          Address

                                          (516) 296-7111
                                          --------------
                                          Fax Number

                                        3

                  STOCK OPTION AGREEMENT, dated as of February 25, 1999, between
DCAP GROUP,  INC.  (formerly EXTECH  Corporation),  a Delaware  corporation (the
"Company"), and JAY M. HAFT (the "Optionee").

                  WHEREAS, simultaneously herewith, the Company is entering into
an Employment  Agreement with the Optionee  pursuant to which the Optionee is to
perform certain employment duties and services for the Company; and

                  WHEREAS,  the  Company  desires to provide to the  Optionee an
additional incentive to promote the success of the Company.

                  NOW, THEREFORE, in consideration of the foregoing, the Company
hereby grants to the Optionee the right and option to purchase  Common Shares of
the Company under and pursuant to the terms and conditions of the Company's 1998
Stock Option Plan (the "Plan") and upon the following terms and conditions:

         1. GRANT OF OPTION. The Company hereby grants to the Optionee the right
and option (the  "Option")  to purchase up to Two Hundred  Twenty-Five  Thousand
(225,000)  Common  Shares  of the  Company  (the  "Option  Shares")  during  the
following periods:

                  (a)  All or any  part  of One  Hundred  Twelve  Thousand  Five
Hundred (112,500) Common Shares may be purchased during the period commencing on
the first  anniversary  of the date hereof and  terminating  at 5:00 P.M. on the
fifth anniversary of the date hereof (the "Expiration Date").

                  (b)  All or any  part  of an  additional  One  Hundred  Twelve
Thousand Five Hundred (112,500) Common Shares may be purchased during the period
commencing on the second  anniversary of the date hereof and terminating at 5:00
P.M. on the Expiration Date.

         2. NATURE OF OPTION.  The Option to purchase  the initial  Thirty-Seven
Thousand One Hundred  Seventy-Four  (37,174) Option Shares commencing in each of
2000 and  2001 is  intended  to meet  the  requirements  of  Section  422 of the
Internal  Revenue  Code of  1986,  as  amended,  relating  to  "incentive  stock
options." The remaining Option to purchase Option Shares is not intended to meet
such requirements.

         3.  EXERCISE  PRICE.  The exercise  price of each of the Option  Shares
shall be Two Dollars Sixty-Nine Cents ($2.69) (the "Option Price").

         4.  EXERCISE OF OPTIONS.  The Option shall be  exercised in  accordance
with the  provisions  of the Plan. As soon as  practicable  after the receipt of
notice of exercise  and payment of the Option Price as provided for in the Plan,
the Company shall tender to the Optionee a certificate  issued in the Optionee's
name evidencing the number of Option Shares covered thereby.

         5. TRANSFERABILITY.  The Option shall not be transferable other than by
will or the  laws  of  descent  and  distribution  and,  during  the  Optionee's
lifetime, shall not be exercisable by any person other than the Optionee.

         6. INCORPORATION BY REFERENCE. The terms and conditions of the Plan are
hereby incorporated by reference and made a part hereof.

         7. NOTICES.  Any notice or other communication given hereunder shall be
deemed  sufficient if in writing and  delivered  personally or sent by facsimile
transmission,  overnight mail or courier or registered or certified mail, return
receipt  requested,  postage  prepaid,  addressed  to the  Company at 90 Merrick
Avenue,  East Meadow, New York 11554,  Attention:  President (fax number:  (516)
296-7111),  and to the  Optionee at the address set forth below or to such other
address as either party may hereafter designate in writing to the other party in
accordance  with the  provisions  hereof.  Notices  shall be deemed to have been
given on the date of  mailing  or  transmission,  except  notices  of  change of
address, which shall be deemed to have been given when received.

         8. BINDING  EFFECT.  This Agreement  shall be binding upon and inure to
the benefit of the parties hereto and their  respective  legal  representatives,
successors and assigns.

         9. ENTIRE AGREEMENT.  This Agreement,  together with the Plan, contains
the entire  understanding  of the  parties  hereto  with  respect to the subject
matter hereof and may be modified  only by an  instrument  executed by the party
sought to be charged.  No  amendment  on the part of the Company  shall be valid
unless approved by its Board of Directors.

         10.  GOVERNING LAW. This Agreement  shall be governed by, and construed
in accordance  with, the laws of the State of New York,  excluding choice of law
rules thereof.

         11.  EXECUTION  IN  COUNTERPARTS.  This  Agreement  may be  executed in
counterparts, each of which shall be deemed to be an original, but both of which
together shall constitute one and the same instrument.

         12. FACSIMILE  SIGNATURES.  Signatures hereon which are transmitted via
facsimile shall be deemed original signatures.

         13.   REPRESENTATION   BY   COUNSEL;   INTERPRETATION.   The   Optionee
acknowledges  that he has been  represented  by counsel in connection  with this
Agreement. Accordingly, any rule or law or any legal decision that would require
the  interpretation  of any claimed  ambiguities in this  Agreement  against the
party  that  drafted  it  has no  application  and is  expressly  waived  by the
Optionee.  The provisions of this Agreement shall be interpreted in a reasonable
manner to give effect to the intent of the parties hereto.

         14.  HEADINGS.  The headings and captions under sections and paragraphs
of this

                                        2

Agreement are for  convenience  of reference  only and do not in any way modify,
interpret or construe the intent of the parties or affect any of the  provisions
of this Agreement.

                  IN WITNESS  WHEREOF,  the parties have executed this Agreement
as of the day and year first above written.

                                            DCAP GROUP, INC.

                                            By:/s/ Kevin Lang
                                            -----------------
                                               Kevin Lang, President

                                            /s/ Jay M. Haft
                                            ---------------
                                            Jay M. Haft

                                            1001 Brickell Bay Drive
                                            9th Floor
                                            Miami, Florida  33131
                                            ---------------------
                                            Address

                                            (305) 373-0056
                                            --------------
                                            Fax Number

                                        3

                  STOCK OPTION AGREEMENT, dated as of February 25, 1999, between
DCAP GROUP,  INC.  (formerly EXTECH  Corporation),  a Delaware  corporation (the
"Company"), and KEVIN LANG (the "Optionee").

                  WHEREAS, simultaneously herewith, the Company is entering into
an Employment  Agreement with the Optionee  pursuant to which the Optionee is to
perform certain employment duties and services for the Company; and

                  WHEREAS,  the  Company  desires to provide to the  Optionee an
additional incentive to promote the success of the Company.

                  NOW, THEREFORE, in consideration of the foregoing, the Company
hereby grants to the Optionee the right and option to purchase  Common Shares of
the Company under and pursuant to the terms and conditions of the Company's 1998
Stock Option Plan (the "Plan") and upon the following terms and conditions:

         1. GRANT OF OPTION. The Company hereby grants to the Optionee the right
and option (the  "Option")  to purchase  up to Two  Hundred  Thousand  (200,000)
Common Shares of the Company (the "Option Shares") during the following periods:

                  (a) All or any part of One Hundred  Thousand  (100,000) Common
Shares may be purchased during the period commencing on the first anniversary of
the date hereof and  terminating  at 5:00 P.M. on the fifth  anniversary  of the
date hereof (the "Expiration Date").

                  (b) All or any  part of an  additional  One  Hundred  Thousand
(100,000)  Common  Shares may be purchased  during the period  commencing on the
second  anniversary  of the date  hereof  and  terminating  at 5:00 P.M.  on the
Expiration Date.

         2. NATURE OF OPTION.  The Option to purchase  the initial  Thirty-Seven
Thousand One Hundred  Seventy-Four  (37,174) Option Shares commencing in each of
2000 and  2001 is  intended  to meet  the  requirements  of  Section  422 of the
Internal  Revenue  Code of  1986,  as  amended,  relating  to  "incentive  stock
options." The remaining Option to purchase Option Shares is not intended to meet
such requirements.

         3.  EXERCISE  PRICE.  The exercise  price of each of the Option  Shares
shall be Two Dollars Sixty-Nine Cents ($2.69) (the "Option Price").

         4.  EXERCISE OF OPTIONS.  The Option shall be  exercised in  accordance
with the  provisions  of the Plan. As soon as  practicable  after the receipt of
notice of exercise  and payment of the Option Price as provided for in the Plan,
the Company shall tender to the Optionee a certificate  issued in the Optionee's
name evidencing the number of Option Shares covered thereby.

         5.   TRANSFERABILITY.  The Option shall not be transferable other than 
by will or

the laws of descent and distribution and, during the Optionee's lifetime,  shall
not be exercisable by any person other than the Optionee.

         6. INCORPORATION BY REFERENCE. The terms and conditions of the Plan are
hereby incorporated by reference and made a part hereof.

         7. NOTICES.  Any notice or other communication given hereunder shall be
deemed  sufficient if in writing and  delivered  personally or sent by facsimile
transmission,  overnight mail or courier or registered or certified mail, return
receipt  requested,  postage  prepaid,  addressed  to the  Company at 90 Merrick
Avenue,  East  Meadow,  New York  11554,  Attention:  Chairman of the Board (fax
number:  (516) 296-7111),  and to the Optionee at the address set forth below or
to such other address as either party may hereafter  designate in writing to the
other party in accordance with the provisions hereof. Notices shall be deemed to
have been given on the date of mailing or transmission, except notices of change
of address, which shall be deemed to have been given when received.

         8. BINDING  EFFECT.  This Agreement  shall be binding upon and inure to
the benefit of the parties hereto and their  respective  legal  representatives,
successors and assigns.

         9. ENTIRE AGREEMENT.  This Agreement,  together with the Plan, contains
the entire  understanding  of the  parties  hereto  with  respect to the subject
matter hereof and may be modified  only by an  instrument  executed by the party
sought to be charged.  No  amendment  on the part of the Company  shall be valid
unless approved by its Board of Directors.

         10.  GOVERNING LAW. This Agreement  shall be governed by, and construed
in accordance  with, the laws of the State of New York,  excluding choice of law
rules thereof.

         11.  EXECUTION  IN  COUNTERPARTS.  This  Agreement  may be  executed in
counterparts, each of which shall be deemed to be an original, but both of which
together shall constitute one and the same instrument.

         12. FACSIMILE  SIGNATURES.  Signatures hereon which are transmitted via
facsimile shall be deemed original signatures.

         13.   REPRESENTATION   BY   COUNSEL;   INTERPRETATION.   The   Optionee
acknowledges  that he has been  represented  by counsel in connection  with this
Agreement. Accordingly, any rule or law or any legal decision that would require
the  interpretation  of any claimed  ambiguities in this  Agreement  against the
party  that  drafted  it  has no  application  and is  expressly  waived  by the
Optionee.  The provisions of this Agreement shall be interpreted in a reasonable
manner to give effect to the intent of the parties hereto.

         14.  HEADINGS.  The headings and captions under sections and paragraphs
of this  Agreement are for  convenience  of reference only and do not in any way
modify, interpret or construe

                                        2

the intent of the parties or affect any of the provisions of this Agreement.

                  IN WITNESS  WHEREOF,  the parties have executed this Agreement
as of the day and year first above written.

                                    DCAP GROUP, INC.

                                    By:/s/ Morton L. Certilman
                                    --------------------------
                                       Morton L. Certilman
                                       Chairman of the Board

                                    /s/ Kevin Lang
                                    --------------
                                    Kevin Lang

                                    c/o Dealers Choice Automotive Planning Inc.
                                    2545 Hempstead Turnpike
                                    Suite 100
                                    East Meadow, New York  11554
                                    ----------------------------
                                    Address

                                    (516) 735-7379
                                    --------------
                                    Fax Number

                                        3

                  STOCK OPTION AGREEMENT, dated as of February 25, 1999, between
DCAP GROUP,  INC.  (formerly EXTECH  Corporation),  a Delaware  corporation (the
"Company"), and ABRAHAM WEINZIMER (the "Optionee").

                  WHEREAS, simultaneously herewith, the Company is entering into
an Employment  Agreement with the Optionee  pursuant to which the Optionee is to
perform certain employment duties and services for the Company; and

                  WHEREAS,  the  Company  desires to provide to the  Optionee an
additional incentive to promote the success of the Company.

                  NOW, THEREFORE, in consideration of the foregoing, the Company
hereby grants to the Optionee the right and option to purchase  Common Shares of
the Company under and pursuant to the terms and conditions of the Company's 1998
Stock Option Plan (the "Plan") and upon the following terms and conditions:

         1. GRANT OF OPTION. The Company hereby grants to the Optionee the right
and option (the  "Option")  to purchase  up to Two  Hundred  Thousand  (200,000)
Common Shares of the Company (the "Option Shares") during the following periods:

                  (a) All or any part of One Hundred  Thousand  (100,000) Common
Shares may be purchased during the period commencing on the first anniversary of
the date hereof and  terminating  at 5:00 P.M. on the fifth  anniversary  of the
date hereof (the "Expiration Date").

                  (b) All or any  part of an  additional  One  Hundred  Thousand
(100,000)  Common  Shares may be purchased  during the period  commencing on the
second  anniversary  of the date  hereof  and  terminating  at 5:00 P.M.  on the
Expiration Date.

         2. NATURE OF OPTION.  The Option to purchase  the initial  Thirty-Seven
Thousand One Hundred  Seventy-Four  (37,174) Option Shares commencing in each of
2000 and  2001 is  intended  to meet  the  requirements  of  Section  422 of the
Internal  Revenue  Code of  1986,  as  amended,  relating  to  "incentive  stock
options." The remaining Option to purchase Option Shares is not intended to meet
such requirements.

         3.  EXERCISE  PRICE.  The exercise  price of each of the Option  Shares
shall be Two Dollars Sixty-Nine Cents ($2.69) (the "Option Price").

         4.  EXERCISE OF OPTIONS.  The Option shall be  exercised in  accordance
with the  provisions  of the Plan. As soon as  practicable  after the receipt of
notice of exercise  and payment of the Option Price as provided for in the Plan,
the Company shall tender to the Optionee a certificate  issued in the Optionee's
name evidencing the number of Option Shares covered thereby.

         5.  TRANSFERABILITY.  The Option shall not be transferable other than 
by will or

the laws of descent and distribution and, during the Optionee's lifetime,  shall
not be exercisable by any person other than the Optionee.

         6. INCORPORATION BY REFERENCE. The terms and conditions of the Plan are
hereby incorporated by reference and made a part hereof.

         7. NOTICES.  Any notice or other communication given hereunder shall be
deemed  sufficient if in writing and  delivered  personally or sent by facsimile
transmission,  overnight mail or courier or registered or certified mail, return
receipt  requested,  postage  prepaid,  addressed  to the  Company at 90 Merrick
Avenue,  East  Meadow,  New York  11554,  Attention:  Chairman of the Board (fax
number:  (516) 296-7111),  and to the Optionee at the address set forth below or
to such other address as either party may hereafter  designate in writing to the
other party in accordance with the provisions hereof. Notices shall be deemed to
have been given on the date of mailing or transmission, except notices of change
of address, which shall be deemed to have been given when received.

         8. BINDING  EFFECT.  This Agreement  shall be binding upon and inure to
the benefit of the parties hereto and their  respective  legal  representatives,
successors and assigns.

         9. ENTIRE AGREEMENT.  This Agreement,  together with the Plan, contains
the entire  understanding  of the  parties  hereto  with  respect to the subject
matter hereof and may be modified  only by an  instrument  executed by the party
sought to be charged.  No  amendment  on the part of the Company  shall be valid
unless approved by its Board of Directors.

         10.  GOVERNING LAW. This Agreement  shall be governed by, and construed
in accordance  with, the laws of the State of New York,  excluding choice of law
rules thereof.

         11.  EXECUTION  IN  COUNTERPARTS.  This  Agreement  may be  executed in
counterparts, each of which shall be deemed to be an original, but both of which
together shall constitute one and the same instrument.

         12. FACSIMILE  SIGNATURES.  Signatures hereon which are transmitted via
facsimile shall be deemed original signatures.

         13.   REPRESENTATION   BY   COUNSEL;   INTERPRETATION.   The   Optionee
acknowledges  that he has been  represented  by counsel in connection  with this
Agreement. Accordingly, any rule or law or any legal decision that would require
the  interpretation  of any claimed  ambiguities in this  Agreement  against the
party  that  drafted  it  has no  application  and is  expressly  waived  by the
Optionee.  The provisions of this Agreement shall be interpreted in a reasonable
manner to give effect to the intent of the parties hereto.

         14.  HEADINGS.  The headings and captions under sections and paragraphs
of this  Agreement are for  convenience  of reference only and do not in any way
modify, interpret or construe

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the intent of the parties or affect any of the provisions of this Agreement.

                  IN WITNESS  WHEREOF,  the parties have executed this Agreement
as of the day and year first above written.

                                    DCAP GROUP, INC.

                                    By:/s/ Morton L. Certilman
                                    --------------------------
                                       Morton L. Certilman
                                       Chairman of the Board

                                    /s/ Abraham Weinzimer
                                    ---------------------
                                    Abraham Weinzimer

                                    c/o Dealers Choice Automotive Planning Inc.
                                    2545 Hempstead Turnpike
                                    Suite 100
                                    East Meadow, New York  11554
                                    ----------------------------
                                    Address

                                    (516) 735-7379
                                    --------------
                                    Fax Number

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