1 EXHIBIT 10.4 NON-QUALIFIED STOCK OPTION AGREEMENT SIENA HOLDINGS, INC. 1. GRANT OF OPTION. Siena Holdings, Inc., a Delaware corporation (the "Company" or "Siena") or its Subsidiaries, hereby grants to:Non-Qualified Stock Option Agreement • May 12th, 1999 • Siena Holdings Inc • Mortgage bankers & loan correspondents • Delaware
