<PAGE>


                                                                   EXHIBIT 10.12

March 14, 2000

Mr. William M. Butler, President/CEO
Futurus Financial Services, Inc.
1580 Warsaw Road
Roswell, Georgia  30076

Dear Bill:

Please accept this letter giving KDA Financial, Inc. ("KDA") the exclusive right
and authority to plan, design, equip, furnish and install the temporary
headquarters space for Futurus Financial Services, Inc. ("Owner") at the
Alpharetta Square Shopping Center, South Main Street, Alpharetta, Georgia. KDA,
through its agents and employees will render and provide the Scope of Work
described on the attached Construction Estimate dated March 6, 2000.

I.       FEES:

         The Total Construction Cost of $77,947 shall be due as follows:

                  50% ($38,973.50) shall be due at the agreement date, the
                  balance shall be due in two (2) equal payments, the first
                  being due 30 days after the acceptance and the second due upon
                  the completion of the work.

II.      SCHEDULE:

         The project work will begin upon the acceptance of this letter. The
         Scope of Work should be completed within 30-40 days from Owner's
         written authorization to proceed.

III.     ACCEPTANCE:

         This Agreement is subject to final acceptance by the President or
         Secretary of KDA and the date of such acceptance will be the date of
         this Agreement.

         The undersigned officer of the Owner represents that he is authorized
         to enter into this Contract on behalf of the Owner.

IV.      CONFIDENTIALITY:

         KDA agrees to exercise reasonable care in maintaining the
         confidentiality of all information gained through this relationship.


<PAGE>


V.       SCOPE OF AGREEMENT:

         This Agreement represents the entire understanding between Owner and
         KDA and supersedes all prior Agreements, understandings and
         negotiations. This Agreement may be modified only in writing. Owner and
         KDA understand, agree, and acknowledge that this Agreement has been
         freely negotiated by the parties, and that in any controversy, dispute,
         arbitration, or contest over the meaning, interpretation, validity or
         enforceability of this Agreement; or any of its terms and conditions,
         there will be no interference, presumption or conclusion drawn
         whatsoever against either party by virtue of the party having drafted
         this Agreement or any portion thereof.

IN WITNESS WHEREOF, the parties hereto have set their hands and seals to this
Agreement on the dates shown below, in triplicate.

APPROVED

FUTURUS FINANCIAL SERVICES, INC.
ROSWELL, GEORGIA

BY:    /s/ William M. Butler
  -------------------------------------------
       William M. Butler, President/CEO

DATE:  3-14-00
    -----------------------------------------

Corporate Seal:

Accepted at Marietta, Georgia this _____ day of ______________, 2000.

KDA FINANCIAL, INC.
MARIETTA, GEORGIA

BY:
  ---------------------------------------
       Dennnis W. Hastings, President

DATE:
     ------------------------------------

Corporate Seal

Attachment