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                                                                   Exhibit 10.16


                       DIRECT-LINK ADVERTISING AGREEMENT


     THIS AGREEMENT is entered into as of the 6th day of March 2000 (the
"Effective Date"), by and between The BigHub.com, Inc., a Florida corporation
(the "Company"), and Harborside Acceptance Company, Inc., a California
corporation dba The BigFNI.com (the "BigFNI"), both referred to as ("Parties")
with reference to the following facts:

     WHEREAS, the Company owns and operates a web site on the Internet at
www.thebighub.com which, among other things, is an advanced portal and contains
a megasearch engine and specialty search engines;

     WHEREAS, the BigFNI desires to have a direct-link advertising banner on the
Company's web site, upon the terms and conditions set forth below.

     NOW, THEREFORE, in consideration of the covenants, agreements and
considerations herein contained, the Company and the BigFNI agree as follows:

     1.   Advertising. The Company hereby agrees, during the Term hereof (as
defined below), to provide strategic placement of advertising and marketing for
the BigFNI on the Company's web site, which shall include permanent, perpetual
and continuous advertising on the Company's web site and continuous banners on
and links from its web site to the Company's web site. All advertising and
banners shall be pre-approved by the Company.

     2.   Fees.

          (a)  In consideration for the advertising on the Company's web site
pursuant to Section 1 above, the BigFNI agrees that, during the Term (as defined
below), it shall pay the Company a fee for certain transactions processed by the
BigFNI through the direct-link advertising banner (the "Transaction Fee"), in
accordance with the following schedule:

     1.   Successful binding of an insurance policy other than life insurance -
          Ten dollars ($10.00) per bound transaction.
     2.   Successful prime credit card application - Twenty dollars ($20.00) per
          bound transaction.
     3.   Successful sub-prime credit card application - Ten dollars ($10.00)
          per bound transaction.
     4.   Successful life insurance application - Thirty-five dollars ($35.00)
          per bound transaction.
     5.   Parties understand that the BigFNI will develop other products and
          services available on the site and will pay to the Company an amount
          equal to or greater then the same Transaction Fee percentage as paid
          on the products and services currently available. The Transaction Fee
          paid to the Company for present and future products and services will
          always be more favorable than any other affiliate of the BigFNI.

          The Transaction Fee for each transaction shall be due and payable on
the first business day of the month following the month during which the
transaction was completed.

          (b)  In addition to the Transaction Fee, the BigFNI also agrees to pay
a minimum monthly fee to the Company (the "Minimum Monthly Fee"), in accordance
with the following schedule:

     1.        April 2000 - Five Thousand Dollars ($5,000.00) per month.
     2.        May 2000 - Ten Thousand Dollars ($10,000.00) per month.
     3.        June 2000 through the end of the Term (as defined below) -Fifteen
               Thousand Dollars ($15,000.00) per month.
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          The minimum Monthly Fee shall be due and payable on the first business
day of each month.

     3.   Reserved.

     4.   Indemnification.

          (a)  The BigFNI shall defend, indemnify and hold harmless Company and
its affiliates from and against any loss, cost or damage arising out of any
claim by third parties relating to any materials provided by the BigFNI to the
Company for use in connection with the advertisements posted by the Company on
its web site.

          (b)  Company shall defend and hold harmless the BigFNI and its
affiliates against any loss, cost or damage arising out of any claim by third
parties relating to the Company's web site, except to the extent such claim
relates to materials provided by the BigFNI to the Company for use in connection
with the advertisements posted by the Company on its web site.

          (c)  The obligation of each party ("Indemnitor") in either clause (a)
and (b) above to indemnify, defend and hold harmless the other party
("Indemnitee") shall be subject to the Indemnitee providing prompt notice of the
claim giving rise to such obligation, and Indemnitee's right to select legal
counsel to represent both parties, provided there is no conflict between such
counsel's representation of both Indemnitor and Indemnitee.

     5.   Limitation of Liability.  In no event shall either party be liable to
the other in contract or in tort, or under any other legal theory (including
strict liability), for any indirect, special, incidental, consequential or
similar damages, including lost profits or revenues, arising out of or in
connection with the performance or nonperformance of this Agreement, or for any
claim made against such party by any other entity, even if such party has been
advised of the possibility of such claim.

     6.   Representations and Warranties.  Each party to this Agreement
represents and warrants to the other party that:

          (a)  such party has the full corporate right, power and authority to
enter into this Agreement and to perform the acts required of it hereunder;

          (b)  the execution of this Agreement by such party, and the
performance by such party of its obligations and duties hereunder, do not and
will not violate such party's charter documents or any agreement to which such
party is a party or by which it is otherwise bound; and

          (c)  when executed and delivered by such party, this Agreement will
constitute the legal, valid and binding obligation of such party, enforceable
against such party in accordance with its terms.

     7.   Term and Termination.

          (a)  The term of this Agreement shall commence on the Effective Date,
and shall, unless sooner terminated as provided below or as otherwise agreed,
remain effective for an initial term of three (3) years (the "Initial Term").
After the Initial Term, this Agreement shall automatically be extended for
successive additional one-year periods (each an "Extension Term"), unless
otherwise terminated by either party by giving written notice to the other party
of its intent not to extend not less than sixty (60) days prior to the end of
the Initial Term or any Extension Term then in effect.  As used herein, the
"Term" shall mean the Initial Term and any Extension Term(s).  The compensation
to be paid

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to the Company for each Extension Term shall be at the current rate, unless
prior to the commencement of each Extension Term, the parties negotiate new
compensation hereunder.

          (b)  Notwithstanding the foregoing, this Agreement may be terminated
at any time by either party, effective immediately upon notice, if the other
party: (i) becomes insolvent; (ii) files a petition in bankruptcy; (iii) makes
an assignment for the benefit of its creditors; or (iv) breaches its obligations
of confidentiality set forth in Section 8 below. Either party may terminate this
Agreement, effective upon thirty (30) days notice, in the event that the other
party breaches any of its representations, warranties, covenants or agreements
contained herein which breach is not remedied within thirty (30) days following
written notice to such party.

          (c)  Any termination pursuant to this Section 7 shall be without any
liability or obligation of the terminating party, other than with respect to any
breach of obligations under this Agreement prior to termination.  The provisions
in Sections 4, 5,  8, and 9 shall survive any termination or expiration of this
Agreement.

          (d)  This Agreement may be terminated immediately by either party,
without liability to the other, upon written notice, if said party terminates or
cancels its web site on the Internet.

          Upon any termination of this Agreement, each party shall promptly
deliver to the other party all Confidential Information (as defined below) and
property belonging to the other party that is in its possession or under its
control, and neither party shall retain copies or reproductions of such
Confidential Information.

8.   Confidentiality and Non-Circumvention.

          (a)  Each party acknowledges and agrees that it will have access to or
be provided with confidential information of the other party during the term of
this Agreement. As used herein, the term "Confidential Information" shall mean
any and all proprietary or confidential information of a party, including,
without limitation such party's business plan, business presentation or related
proprietary and financial information as well as other confidential or
proprietary information of such party regarding such party's business, plans,
financial results and statements, markets, projected activities, customers and
results of operations, requirements and sources, contracts, means, methods and
processes of providing services, copyrights, patents, trademarks, trade secrets,
and financial information.

          (b)  Each party agrees to keep the Confidential Information of the
other party in the strictest confidence, and agrees that it will not, directly
or indirectly, publish or disclose, or authorize the publication or disclosure
of, or assist any third party in publishing or disclosing, any Confidential
Information to anyone other than its employees or consultants, but only to the
extent necessary for the fulfillment of its obligations under this Agreement and
subject in each such case to the such party using its best efforts to ensure
that the persons to whom Confidential Information is disclosed keep such
information confidential and do not use such Confidential Information except for
the purposes for which the disclosure is made. Each party agrees to comply with
the other party's policies and regulations, as may be reasonably established
from time to time, for the protection of its Confidential Information.

          (c)  Each party's confidentiality obligations shall continue with
respect to each item of Confidential Information, including after the
termination of this Agreement, until such time as such party can show that any
such item of Confidential Information (i) has legally and properly entered the
public domain through a source other than its own and through no fault of its
own, (ii) has legally and properly been received from an unrelated third party
through no breach of any agreement with the other party and without an
obligation to keep it confidential, or (iii) was known to such party or was in
such party's

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possession prior to the receipt of such item of Confidential Information from
the other party.

          (d)  Each party acknowledges that the other party's Confidential
Information is of a special, unique and extraordinary character and for that
reason the other party will be irreparably damaged in the event that the
confidentiality or non-circumvention obligations imposed upon it, as set forth
herein, are not specifically enforced. Accordingly, each party agrees that the
other party shall be entitled, at its election, to institute and prosecute
proceedings against it, as set forth herein, in any court of competent
jurisdiction, either at law or equity, to: (a) obtain damages for breach of the
obligations hereunder; (b) enforce specific performance of said obligations, or
both. Such remedies are cumulative and not exclusive and shall be in addition to
any and all other remedies which the other party may have, at law or in equity,
in the event the a party breaches any of its obligations hereunder. The parties
hereto confirm that the covenants in this Agreement are expressly deemed to
cover acts of negligence and any inadvertent disclosure or violation of the
terms herein.

     9.   Independent Contractor Relationship. This Agreement shall in no way be
construed to constitute either party as a partner, joint venturer, agent, or
employee of the other party, and neither party shall act or attempt to act or
represent itself, directly or by implication, as a partner, joint venturer,
agent or employee of the other party. Neither party nor any of its respective
employees shall have any authority to enter into contracts, make commitments or
otherwise bind the other party to any obligations without the other party's
prior written consent.

     10.  Force Majeure. Neither party shall be liable to the other for any
default or delay in the performance of any of its obligations under this
Agreement if such default or delay is caused, directly or indirectly, by fire,
flood, earthquake or other acts of God; labor disputes, strikes or lockouts;
wars, rebellions or revolutions, riots or civil disorders; accidents or
unavoidable casualties; interruptions in third party transportation or
communications facilities or delays in transit or communications; supply
shortages or the fault or any third party to perform any commitment to such
party; laws, treaties, agreements, actions, inaction's, rulings, regulations,
decisions or requirements of any government, tribunal or governmental agency;
litigation to which such party may become a party; or any other cause, whether
similar or dissimilar to those enumerated herein, beyond such party's reasonable
control.

     11.  Assignment.  Neither party may assign this Agreement without the prior
written consent of the other, which consent shall not be unreasonably withheld;
provided, however, that no consent shall be necessary for a party to assign this
Agreement to one of its affiliates or an entity acquiring all or substantially
all of the stock or assets of such party.

     12.  Exhibits.  The BigFNI represents and warrants that it has read and
understands the Company's Website Traffic Information attached as Exhibit A
hereto and the Company's Fiscal Year 2000 Operating Budget attached as Exhibit B
hereto.

     13.  Miscellaneous.

          (a)  This Agreement contains the complete and exclusive agreement
between the parties with respect to the subject matter hereof, superseding and
replacing any and all prior agreements, communications, and understandings, both
written and oral, regarding such subject matter. This Agreement may only be
modified, or any rights under it waived, by a written document executed by both
parties.

          (b)  This Agreement will be governed by and construed in accordance
with the laws of the State of California, without reference to conflicts of laws
rules, and without regard to its location of execution or performance.

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          (c)  If any provision of this Agreement is found invalid or
unenforceable, that provision will be enforced to the maximum extent
permissible, and the other provisions of this Agreement will remain in force.

          (d)  All notices, requests and other communications called for by this
Agreement shall be deemed to have given upon receipt if made by mail, courier or
personal delivery, or immediately if made by telecopy or electronic (confirmed
by concurrent written notice sent first-class U.S. mail, postage prepaid):

     The BigHub.com, Inc.:              The BigFNI.com:
     2939 Moss Rock                     27631 La Paz Road
     Suite 100                          Laguna Niguel, California  92677
     San Antonio, Texas  78230          Facsimile:  (949) 448-4199
     Facsimile: (210) 979-6336          Attn:  Dick Greco, President
     Attn:  Frank Denny, Chairman

or to such other addresses as either party shall specify to the other.  Notice
by any other means shall be deemed made when actually received by the party to
which notice is provided.

          (e)  Except for matters covered by Section 8 above, all disputes
arising out of or in connection with this Agreement shall be finally settled
under the Rules of American Arbitration Association ("AAA") by one or more
arbitrators appointed in accordance with said Rules.  The place of arbitration
shall be Orange County, California.  The parties hereby renounce any right of
recourse which they may have before the court of any jurisdiction except to
obtain preliminary or injunctive relief or enforce an award of the arbitrator.

          If any award rendered by AAA in accordance with this arbitration
clause would not be capable of being executed in the jurisdiction of a party
against whom a claim for payment is made or where that party resides or carries
on business, neither the award nor the said arbitration clause shall bar a party
hereto from taking action before the courts that have jurisdiction over such
other party.

          (f)  In the event that any party shall bring an action or arbitration
in connection with the performance, breach or interpretation hereof, then the
prevailing party in such action, as determined by the court or other body having
jurisdiction, shall be entitled to recover from the losing party in such action,
as determined by the court or other body having jurisdiction, all reasonable
costs and expenses of litigation or arbitration, including reasonable attorneys'
fees, court costs, costs of investigation and other costs reasonably related to
such proceeding, in such amounts as may be determined in the discretion of the
court or other body having jurisdiction.

          (g)  The various section headings are inserted for purposes of
convenience only and shall not affect the meaning or interpretation of this
Agreement or any section hereof.

          (h)  No failure of either party to exercise or enforce any of its
rights under this Agreement will act as a waiver of such rights.

          (i)  This Agreement may be executed in any number of counterparts, all
of which taken together shall constitute a single instrument.  Execution and
delivery of this Agreement may be evidenced by facsimile transmission.

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     IN WITNESS WHEREOF, the parties have caused this Agreement to be executed
by their duly authorized representatives as of the date first written above.

THE BIGHUB.COM, INC.                   HARBORSIDE ACCEPTANCE
                                       COMPANY, INC.,  DBA THE
                                       BIGFNI.COM


By: /s/ Mark Doumani                    By: /s/  Dick Greco
   -----------------------                --------------------------
   Mark Doumani                         Name:  Dick Greco
                                             -----------------------
   EVP                                  Title: President
                                              ----------------------

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