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                              AGREEMENT TO SUBLEASE

            This AGREEMENT dated as of the 1st day of February 2000, between
FIDELITY MORTGAGE, INC., having an officer at 8044 Montgomery Road, Suite 200,
Cincinnati, Ohio 45326 (hereinafter referred to as "Sublessor"), and
MoneyZone.com, a Nevada corporation, having an office at 8701 Red Oak Boulevard,
Charlotte, NC 28217 (hereinafter referred to as "Sublessee").

                             W I T N E S S E T H

            WHEREAS Sublessor is the lessee under a certain lease agreement with
Highwoods/Forsyth Limited Partnership ("Lessor"), dated September 01, 1997, for
that certain premises located in the City of Charlotte State of North Carolina
described as that certain first (1st) floor office space, suite 100 of that
certain office building known as Live Oak on land located at Oak Hill Business
Park with a street address of 8701 Red Oak Boulevard consisting of approximately
5100 rentable square feet (the "Property"), to which lease reference is hereby
made as if the same were herein set forth at length, which lease, together with
amendment and modifications heretofore and hereinafter entered into, are
collectively hereinafter referred to as the "Prime Lease" and are attached
hereto as Exhibit "A"; and

            WHEREAS, the parties hereto have agreed that Sublessor shall
sublease the Property to Sublessee commencing on February 1, 2000, or when
Lessor consents to this sublease, whichever will last occur, and ending on
August 31, 2002 (the "Term"), unless otherwise sooner terminated in accordance
with the provisions of this sublease.

            NOW, THEREFORE, the parties hereto hereby covenant and agree as
follows:


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1.   Sublessor  hereby  leases to  Sublessee  for the Term the 5100  approximate
     rentable square feed of the space on the 1st floor of said building,  shown
     on Exhibit B attached hereof and made a part hereof.

2.   Commencing on April 1, 2000,  Sublessee shall pay to Sublessor monthly rent
     of six thousand eight hundred dollars ($6,800.00), plus any additional rent
     mentioned in Paragraph 6. Any partial months rent shall be prorated for the
     actual number of days that this sublease is outstanding.

3.   Sublessee  shall pay the rent  provided  for herein in advance on the first
     day of each and every  month  during the term  without  deduction,  setoff,
     notice or demand.  Sublessee  shall pay to Sublessor upon execution of this
     Sublease the sum of six thousand eight hundred dollars  ($6,800.00) as rent
     for April 2000.

4.   The Property shall be used for general offices and for no other purpose.

5.   Sublessee  shall not assign this  sublease nor sublet the Property in whole
     or in part; nor shall Sublessee  permit its interest in this sublease to be
     vested in any third party by operation of law or otherwise.

6.   Sublessee shall be liable for all additional use by Sublessee of electrical
     current in excess of such electric current provided by the Lessor under the
     Prime Lease.  If Sublessee  shall procure any additional  services from the
     building,  such as alterations or after-hour  air  conditioning,  Sublessee
     shall pay for same at the rates  charged  therefor  by the Lessor and shall
     make such payments to the Sublessor or Lessor,  as Sublessor  shall direct.


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     Any rent or other sums payable by Sublessee under this Paragraph 6 shall be
     additional rent and collectable as such.

7.   This sublease is subject and subordinate to the Prime Lease.  Except as may
     be inconsistent with the terms hereof, Sublessee agrees to be bound by, and
     to fully comply with, all the terms,  covenants and conditions contained in
     the Prime Lease;  and in case of any breach hereof by Sublessee,  Sublessor
     shall have all the rights  against  Sublessee  as would be available to the
     Lessor  against the Sublessor  under the Prime Lease if such breach were by
     the Sublessor thereunder.

8.   Notwithstanding  anything herein contained,  the only services or rights to
     which  Sublessee  is entitled  hereunder  are those to which  Sublessor  is
     entitled under the Prime Lease.

9.   Sublessee shall neither do nor permit anything to be done which would cause
     the Prime Lease to be  terminated  or  forfeited  by reason of any right of
     termination or forfeiture  reserved or vested in the Lessor under the Prime
     Lease,  and Sublessee shall indemnify and hold Sublessor  harmless from and
     against  all  claims of any kind  whatsoever  by  reason  of any  breach or
     default on the part of  Sublessee or by reason of which the Prime Lease may
     be terminated or forfeited.

10.  Sublessee  shall pay the  Landlord  on the  execution  and  delivery of the
     sublease the sum of six  thousand  eight  hundred  dollars  ($6,800.00)  as
     security deposit full and faithful performance of the terms,  covenants and
     conditions  of  this  sublease  on  Sublessee's  part  to be  performed  or


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     observed,  including but not limited to payment of rent and additional rent
     in default or for any other sum which  Sublessor  may expend or be required
     to expend by reason of Sublessee's defaults. Sublessor may use or apply all
     or any portion of the security deposit for the payment of any rent or other
     amount then due hereunder and unpaid;  for the payment of any other sum for
     which  Sublessor may become  obligated by reason of Sublessee's  default or
     breach,  or for any loss or damaged  sustained  by Sublessor as a result of
     Sublessee's  default  or breach.  Sublessee  agrees to  indemnify  and save
     Sublessor harmless against any and all suits,  judgments,  claims, demands,
     liabilities,  losses or damages  which may arise  against,  or  incurred by
     Sublessor as a result or consequence  of Sublessee's  failure to perform or
     keep any of the terms,  covenants,  rentals and  conditions  required to be
     kept and  performed by Sublessee  under the  sublease.  If Sublessee  shall
     fully and faithfully comply with all the terms, covenants and conditions of
     this  sublease,  on  Sublessee's  part to be  performed  or  observed,  the
     security, or any unapplied balance thereof,  shall be returned to Sublessee
     after the  expiration  of this  sublease and after the removal of Sublessee
     and surrender of possession of the Property to Sublessor.

11.  Sublessor  shall,  at Sublessor's own expense,  maintain  General/Liability
     Insurance Coverage with liability limits of not less than $1,000,000.00 per
     occurrence  for the Bodily  Injury  and/or  Property  Damage  Liability and


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     $50,000 per occurrence for Fire/Legal  Liability.  Said insurance  coverage
     shall remain in force during the term of this agreement.

12.  Sublessee agrees to accept possession of the Property in "as is" condition.

13.  Sublessee,  upon  expiration  or  other  termination  of the  Term  of this
     sublease,  covenants to quit and surrender to Sublessor the Property, broom
     clean, in good order and condition,  ordinary wear and tear, damage by fire
     or other  casualty  expected,  and at  Sublessee's  expense,  to remove all
     property  of  Sublessee.  Any  property  not so  removed  shall  be  deemed
     abandoned  by Sublessee  and may be retained or disposed of at  Sublessee's
     expense by Sublessor.

14.  Sublessee  represents  and  warrants  that except for CB Richard  Ellis and
     Queens Property, Sublessee has not retained,  contracted or otherwise dealt
     with any real estate broker,  salesperson, or finder in connection with the
     sublease,  and no such person  initiated or participated in the negotiation
     of the sublease. Sublessee shall indemnify and hold Sublessor harmless from
     and against any and all  liabilities  and claims for  commissions  and fees
     arising out of a breach of the foregoing representations.

15.  Sublessee represents that it has read and is familiar with the terms of the
     Prime  Lease,  as  well as any  amendments,  modifications  and  extensions
     thereto,  and agrees to be bound by the terms contained  therein and in all
     future amendments to modifications thereto.

16.  All prior  understandings  and  agreements  between  the parties are merged
     within this  Agreement,  which alone  fully and  completely  sets forth the


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     understanding  of the  parties;  and this  sublease  may not be  changed or
     terminated  orally or in any manner  other than by an  agreement in writing
     and  signed  by  the  party  against  whom  enforcement  of the  change  or
     termination is sought.

17.  Any  notice  or  demand  which  either  party may or must give to the other
     hereunder  shall  be  in  writing  and  delivered  personally  or  sent  by
     registered  mail or by overnight  delivery  addressed if to  Sublessor,  as
     follows:

                  Delta Funding Corporation

                  1000 Woodbury Road, Suite 200
                  Woodbury, New York 11797
                  ATTN:  Office Manager

and if to Sublessee, as follows:

                  MoneyZone.Com
                  8701 Red Oak Boulevard, Suite 100
                  Charlotte, NC  28217
                  ATTN:  Susan McAvoy, Vice President


Either party may, by notice in writing, direct that future notices or demands be
sent to a different address.

18.  This  agreement  shall be governed by and be construed and  interpreted  in
     accordance  with the laws of the  State of New York  without  regard to the
     conflicts  of  laws  rules   thereof.   Tenant  agrees  to  submit  to  the
     jurisdiction  of any United  States  Federal  court  sitting in the Eastern
     District of New York or any New York State  court  sitting in the County of
     Nassau in the State of New York.

19.  The covenants and agreements  herein contained shall bind and insure to the
     benefit  of  Sublessor,  the  Sublessee,  and their  respective  executors,
     administrators, successors and assigns.


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            IN WITNESS WHEREOF, the parties hereto have caused these presents to
be executed as of the day and year first above written.

                                    FIDELITY MORTGAGE, INC.
                                    (Sublessor)

                                    By:/s/ Mark Miller
                                       -----------------------------------------
                                    Its:  Vice President

                                    MoneyZone.com
                                    (Sublessee)


                                    By:  /S/ RANDALL GREENE
                                       -----------------------------------------
                                    Its:  President