CONSULTING AGREEMENT

     THIS CONSULTING AGREEMENT  ("Agreement") is entered into effective November
10,  1007,  between  COLMENA  CORPORATION,  a  Delaware  corporation,  with it's
principal offices located at 25100 Detroit Road, Westlake, OH 44145 (hereinafter
referred to as the "Company"), and The Kaplan Group, Inc., a Florida Corporation
with it's primary offices  located at 2201 West Sample Road,  Bldg. 9, Suite 5B,
Pompano Beach, FL 33073.

1.       CONSULTING SERVICES

     The Company hereby engages  Consultant to perform the Marketing  Consulting
services listed below on the terms and conditions set forth in this Agreement:

         a.  Review all Marketing and Sales Promotion material.

         b.  Provide Creative Consulting services for Telecommunication related
             products being brought to market by Colmena Corporation.

         c.  Analyze,  review and assist in the formulation of Marketing plans
             with  regards  to  various  media  including  print,   radio  and
             television.

         d.  Provide, as deemed appropriate by Consultant,  additional services
             to include the production of specific marketing  campaigns for the
             sale of telecommunication related products.

2.       TERM OF AGREEMENT

     The term of this  Agreement  shall  commence  on the date  hereof and shall
continue for a period of twelve (12) months.

3.       CONSIDERATION TO CONSULTANT

     3.1 As compensation for the services rendered hereunder,  the Company shall
immediately  issue and deliver to Consultant  400,000  (four  hundred  thousand)
shares of the Company's common stock, $.01 par value,  which shall be registered
by the Company  under the  Securities  Act of 1933,  as  amended,  pursuant to a
Registration  Statement  on  Form  S-8  or  any  other  applicable  registration
statement,  as soon as  practicable.  These  shares  shall  also have  piggyback
registration rights.

     3.2 As additional consideration for the services of Consultant, the Company
agrees to  indemnify  and hold  harmless  Consultant  and each of its  officers,
directors,  agents, employees and controlling persons (collectively "Indemnified
Persons") to the fullest  extent  permitted by law, from and against any and all
losses, claims, damages,  expenses (including reasonable fees, disbursements and
other  charges of counsel),  actions,  proceedings  or  investigations  (whether
formal or informal),  or threats thereof (all of the foregoing being hereinafter
referred  to as  "Liabilities"),  based  upon,  relating  to or  arising  out of
Consultant's  engagement  hereunder,  including,  but not limited to Liabilities
arsing in connection with the  dissemination of information  about the Company o
the Company's business, whether in any presentation, in person, through the mail
or  otherwise.  In  connection  with the  Company's  obligation to indemnify for
expenses  as set forth  above,  the Company  further  agrees to  reimburse  each
Indemnified Person is reimbursed hereunder for any expenses,  the amount so paid
shall be refunded if and to the extent it is finally judicially  determined that
the Liabilities ion question resulted  primarily from the willful  misconduct or
gross negligence of such Indemnified person.


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4.       MISCELLANEOUS

     4.1 FURTHER ACTIONS. At any time and from time to time, each [party agrees,
at it's or his  expense,  to take such  actions and to execute and deliver  such
documents  as may be  reasonably  necessary to  effectuate  the purposes of this
Agreement.

     4.2 ENTIRE  AGREEMENT;  MODIFICATION.  This Agreement sets forth the entire
understanding  of the  parties  with  respect to the subject  matter  hereof and
supersedes all existing  agreements  among them  concerning such subject matter,
and may be modified only by written instrument duly executed by the party bound.

     4.3 NOTICES. Any notice or other communication  required or permitted to be
given  hereunder  shall be in  writing  and shall be mailed by  certified  mail,
return receipt  requested (or by most nearly comparable method mailed from or to
a location  outside of the United States),  or delivered  against receipt to the
party to whom it is to be given at the  address  of such  party set forth in the
preamble  to this  Agreement  (or to such other  address as the party shall have
furnished in writing in accordance  with the  provisions of this  Section).  Any
notice given to any  corporate  party shall  addressed  to the  attention of the
Corporation  Secretary.Any notice of other communication given by certified mail
(or  by  such  comparable   method)  shall  be  deemed  given  at  the  time  of
certification  thereof  (or  comparable  act),  except  for a notice  changing a
party's address which will be deemed given at the time of receipt thereof.

     4.4 WAIVER.  Any waiver by any party of a breach of any  provision  of this
Agreement  shall  not  operate  as or be  construed  to be a waiver of any other
breach  of that  provision  or of any  breach  of any  other  provision  of this
Agreement. The failure of a party to insist upon strict adherence to any term of
this  Agreement  on one or more  occasions  will not be  considered  a waiver or
deprive that party of the right  thereafter  to insist upon strict  adherence to
that term or any other term of this  Agreement.  Any  waiver  must be in writing
and, in case of a corporate party, be authorized by a resolution of the board of
directors or by an officer of the waiving party.

     4.5 BINDING EFFECT.  The provisions of this Agreement shall be binding upon
and inure to the  benefit of the  Company and  Consultant  and their  respective
successors and assigns;  provided,  however, that any assignment by any party of
its rights under this Agreement  without the written  consent of the party shall
be void.

     4.6 SEVERABILITY.  If any provision of this Agreement is invalid,  illegal,
or unenforceable,  the balance of this Agreement shall remain in effect,  and if
any provision is incapable to any person or circumstance,  it shall nevertheless
remain applicable to any other persons and circumstances.

     4.7 HEADINGS.  The headings in this Agreement are solely for convenience of
reference and shall be given no effect in the construction or  interpretation of
this Agreement.

     4.8  COUNTERPARTS;  GOVERNING  LAW.  This  Agreement may be executed in any
number of  counterparts,  each of which shall be deemed an original,  but all of
which  together  shall  constitute  one and the  same  instrument.  It  shall be
governed by and construed in accordance  with the laws of the State of Delaware,
without giving effect to conflict of laws.


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     4.9  ATTORNEY'S  FEES.  In the  event of a  dispute  with  respect  to this
Agreement,  the prevailing party shall be entitled to its reasonable  attorney's
fees and other costs and expenses incurred in litigating or otherwise  resolving
or settling such dispute.

     IN WITNESS  WHEREOF,  the parties hereto have executed this Agreement as of
the date first set forth above.

                                                       COLMENA CORP.
                                                     a Delaware Corporation

                                            By: /s/ The Kaplan Group


                                                     THE KAPLAN GROUP, INC.
                                                     a Florida Corporation

                                            By: /s/ The Kaplan Group


                                            By: /s/ The Kaplan Group









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