NON-COMPETITION AGREEMENT
                            -------------------------

     This  Agreement is entered into between MIT, LLC (aka Money in Training and
aka Millionaires in Training) and Scott Elder,  individually and in his capacity
as CEO of Online Investor's  Advantage  ("Contractor"),  effective this 8 day of
March, 2000.

1. Contractor Shall Not Contact MIT's Distribution Channels.

     MIT and Contractor have agreed that  Contractor  shall be permitted to make
product and informational presentations at events sponsored by MIT and by MIT in
affiliation with other companies ("Events"), including Peter Lowe International,
Professional  Seminars of America,  Brian Tracy,  Knightingale Conant, and other
distribution channels of MIT identified hereafter ("Distribution Channels"). The
terms under which Contractor shall be permitted to make  presentations at Events
are set forth in a separate  agreement,  a copy of which is  attached  hereto or
will be attached hereto as Exhibit A. However,  the terms and conditions of this
Agreement  shall not be conditioned  upon the execution or  finalization  of any
such separate agreement.

2. Contractor Shall Not Contact MIT's Content Providers.

     As partial  consideration  for MIT's agreement to permit Contractor to make
presentations at Events, Contractor covenants and agrees that he/she/it will not
engage in any business  with any of MIT's  Distribution  Channels as  identified
herein or as may be subsequently  identified by the parties hereto,  or with any
of MIT's content provider companies such as Professional  Seminars of America or
other  companies that may be identified  hereafter  ("Content  Providers"),  nor
shall Contractor  undertake to solicit business from, offer services or products
to, or make any contact with  Distribution  Channels or Content Providers except
through MIT and upon terms and conditions  approved by MIT, from the date hereof
and continuing  until three (3) years  following the last  presentation  made by
Contractor at an Event.

3. Contractor Shall Not Make Unauthorized Use of MIT Information.

     Contractor  covenants  and agrees that from the date hereof and  continuing
until three (3) years following the last  presentation  made by Contractor at an
Event,  Contractor shall not duplicate,  take possession of, use,  paraphrase or
appropriate  any  information  presented or provided by MIT or its  Distribution
Channels or Content  Providers,  without the express written  authorization  and
consent of MIT and the affected Distribution Channel or Content Provider.

4. Contractor Shall Not Infringe On MIT's Seminal Topics.

     Contractor  covenants  and agrees that from the date hereof and  continuing
until three (3) years following the last  presentation  made by Contractor at an
Event,  Contractor shall not make any commercial  presentation at any seminar or
other event, or in any setting attended by more than three persons,  of products
or services  connected  with or pertaining  to the topics of Asset.  Protection,
Estate Planning,  Tax Reduction  without the express written  authorization  and
consent of MIT.

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5.  Contractor  Shall Not Use or Disclose  Customer Lists of MIT or Distribution
Channels.

     Contractor acknowledges and agrees that all names and lists of attendees or
invitees to Events (and any revenue  derived  therefrom) are the property of MIT
or its Distribution  Channels and Content  Providers.  Contractor  covenants and
agrees  that it shall not  attempt to acquire  such names or lists and shall not
appropriate record, duplicate,  telemarket,  use or disclose to any other person
such names and lists,  without the express written  authorization and consent of
MIT and upon the  teams  and  conditions  set  forth  in such  authorization  or
consent.  Nothing in this Agreement is intended, or shall be construed, to grant
to Contractor any license or other rights to use MIT's  information as described
in Paragraphs 3, 4. and 5 herein,  or any rights under any trademark  patent, or
copyright of MIT or its Distribution Channels, or Content Providers.

6. Contractor Shall Be Enjoined From Violation of This Agreement.

     Contractor acknowledges that the covenants and agreements contained in this
Agreement  are  required  for the  protection  of the  value  of  MIT's  assets,
trademarks,  copyrights.  trade secrets, systems, processes and ideas and relate
matters which are of a special,  unique and  extraordinary  character which give
them substantial  value and further  acknowledges and agrees that MIT may not be
able to be  reasonably or  adequately  compensated  in damages for breach of the
covenants and  conditions  contained in this  Agreement and that, in addition to
any other  relief in law or in  equity to which MIT may be  entitled.  MIT shall
have  the  right  to  immediate   injunctive  relief  to  enforce  the  specific
performance  of such  covenants  and  agreements  and shall be  entitled to such
relief from a court of competent  jurisdiction upon ex pane motion for the same,
without notice to Recipient.

7. Intentionally deleted.

8. Contractor Shall Pay all Costs of Enforcement if They Violate This Agreement.

     The  prevailing  party to any  claim or  action  commenced  to  enforce  or
interpret the terms and  provisions of this  Agreement  shall be entitled to its
reasonable  attorneys' fees and costs,  including expenses such as photocopying,
expert witness fees, long distance  telephone tolls,  reasonable travel expenses
and other  out-of-pocket  expenses  incurred as a direct cost of the enforcement
effort.

9. Individuals are Bound by This Agreement.

     The additional  undersigned  representing the Contractor agrees to be bound
in his/her individual capacity to the terms contained herein.

MIT, LLC                                   Online Investors Advantage Contractor

By ________________________                By: /S/ Scott Elder
      Managing Member                      By   Scott Elder
                                           Its  CEO

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