EMPLOYMENT AGREEMENT


THIS  AGREEMENT made this 14th day of January,  2000, by and between  FutureOne,
Inc.,  a Nevada  corporation  (hereinafter  called  "Company")  and Ralph  Zanck
(hereinafter called "Employee") shall be effective as of December 6, 1999.

                                    RECITALS:

WHEREAS,  the  Company,  located in  Phoenix,  Arizona  desires to enter into an
employment  relationship  with Employee pursuant to the terms and conditions set
forth herein; and

WHEREAS,  Employee  is  willing  to accept  such  employment  with the  Company,
pursuant to the terms and conditions set forth in this Agreement; and

NOW THEREFORE,  the Parties hereto, in consideration of the mutual covenants and
promises hereinafter contained, do hereby agree as follows:

                                      TERMS

1.   EMPLOYMENT  DUTIES.  The  Company  hereby  employs  Employee to perform the
     following duties as Vice President of Finance.

     a.   Perform all duties as Vice  President  of Finance of the  Company,  to
          supervise the  management  of the day to day financial  affairs of the
          Company  and  all  of  its  subsidiaries,   including  preparation  of
          financial  statements,  payment of invoices,  billing and collections,
          payroll preparation and preparation of other financial reports, and to
          carry out any other  duties  assigned to him by the  President  of the
          Company.  Coordinate  audits of the Company's  books, by the Company's
          auditors,  filings  with the SEC and other  government  agencies,  and
          preparation and filing of tax returns.

2.   PERFORMANCE. Employee agrees to devote reasonable time and effort necessary
     to perform the duties described in Section 1 above in a manner satisfactory
     to the Company and to perform such other duties as are assigned to him from
     time to time by the President of the Company.

3.   TERM.  Except as  provided  in Section 7 below,  the term of this  Contract
     shall be three (3) years from the  effective  date hereof.  This  Agreement
     shall   automatically  renew  for  periods  of  one  year,  unless  earlier
     terminated in accordance  with the  provisions of Section 7 below or either
     party  gives  written  notice,  at  least  thirty  days  (30)  prior to the
     automatic renewal date, of their intention not to renew this Agreement.

4.   COMPENSATION.

In  consideration  for the  services to be rendered by Employee in his  capacity
hereunder, Employee shall be compensated as follows:
<PAGE>
     a.   An annual salary of Eighty Thousand & 00/100 Dollars ($80,000),  which
          shall be payable in equal  installments  based on the Company's normal
          pay periods.

     b.   Employee  shall  also be issued  stock  options  for  Thirty  Thousand
          (30,000)  shares of common  stock of  FutureOne  at $1 to vest equally
          over three years and expiring in 10 years as additional  consideration
          that may be earned under this  Agreement.  Such stock when issued will
          be  "Restricted"  as that term is defined under the  Securities Act of
          1933 as amended and shall be earned and vest only under the  following
          terms and schedule:

                                                                      Percent
          Period                                                    Exercisable
          ------                                                    -----------
          Before the first anniversary of Grant Date                       0%

          On or after the first anniversary of the Grant Date
          And before the second anniversary of the Grant Date         33 1/3%

          On or after the second anniversary of the Grant Date
          And before the third anniversary of the Grant Date          66 2/3%

          On or after the third anniversary of the Grant Date            100%

          If  Employee  is not  employed by the Company for any reason on any of
          the  above  dates and this  Agreement  has been  terminated  under any
          provision  of  Section  7 of this  Agreement  before  any of the above
          dates, then the Employee shall not be entitled to any of the remaining
          Options,  that have not been earned and vested  according to the above
          schedule and  FutureOne  shall cancel such options on the books of the
          corporation.

          Employee  hereby  agrees  that  any  of  the  above  referenced  stock
          certificates  that have not been  earned and  vested  shall be held by
          FutureOne and shall be delivered to Employee only on the vesting dates
          shown  above  and only if  Employee  has met all of the  terms of this
          Agreement  to that date and is still  employed  by the Company on that
          date.

     c.   Employee  shall be eligible to receive a  management  bonus as defined
          below.

          1)   Bonus  upon the  Company  obtaining  funds in an  equity  or debt
               offering. The Bonus shall be either $15,000 cash or 10,000 shares
               of restricted  common stock,  or any  combination  thereof,  with
               employee having the sole discretion to choose the form of payment
               by giving the Company  written notice within ten (10) days of the
               offering funds being received by the Company.

               Bonus  provision  at the end of the  first  year  for  additional
               options  (vesting  over three  years) to  purchase  Ten  Thousand
               (10,000)  shares of the Company's  restricted  common stock at $1
               upon meeting certain defined objectives,  which shall be mutually
               agreed upon by the  Employee,  the  President and the Chairman of
               the Board.
<PAGE>
     d.   Employees  salary may be adjusted by mutual  consent of the parties at
          any time during the term of this contract or any subsequent  extension
          hereof. In addition, the Company may provide other employment benefits
          as per Section 5 below.

5.   EMPLOYEE BENEFITS. The Company, at its sole discretion, may provide certain
     group  benefits  to all full  time  executive  employees  and  agrees  that
     Employee will be covered by any such plans adopted by FutureOne while he is
     a full time employee and Employee hereby agrees to submit to any medical or
     other  examination  and to execute  and deliver  any  application  or other
     instrument in writing,  reasonably  necessary to effectuate  such plans and
     benefits.

6.   EXPENSES.  The Company will  reimburse the employee for all  reasonable and
     necessary business expenses which are approved in advance by the Company.

7.   TERMINATION. Employment under this Agreement may be terminated as follows:

     a.   DEATH/EXPIRATION OF THIS AGREEMENT WITHOUT RENEWAL. By Employees death
          or upon the  expiration of the term of this  Agreement and the Company
          shall be  obligated,  in either  event,  to pay  Employee  his  annual
          salary, a prorated bonus and benefits  actually due Employee up to the
          actual date of death or expiration of the Agreement.

     b.   TOTAL DISABILITY.  For the purpose of this Agreement,  the term "total
          disability"  means Employee's  inability,  because of serious physical
          and/or mental injury,  illness or impairment,  certified by a licensed
          medical doctor and by whatever  supporting  documents are requested by
          the Company,  to perform his assigned duties for more than Thirty (30)
          consecutive  days; and the Company shall be obligated,  in that event,
          to pay  Employee  his annual  salary,  a prorated  bonus and  benefits
          actually due up to the date of disability.

     c.   EMPLOYEE  NOTICE.  At the election of Employee  upon fifteen (15) days
          written notice to Company and the Company shall only be obligated,  in
          that event, to pay Employee their normal compensation up to the actual
          date of termination and benefits  actually due Employee up to the date
          of termination. Upon receipt of such notice from Employee the Company,
          at its sole discretion,  may terminate this Agreement  immediately and
          pay Employee his annual salary, a prorated bonus and benefits actually
          due Employee up to such date of  termination  as hereby invoked by the
          Company.

     d.   WITHOUT CAUSE.  Company may terminate without cause and for any reason
          Employee's  employment  upon  fifteen  (15)  days  written  notice  to
          Employee. If Employee is terminated without cause he shall be entitled
          to be paid, his  compensation up to the actual date of termination and
          benefits actually due Employee up to the date of termination. If there
          is a  substantial  change in  ownership  or control  and  Employee  is
          thereafter terminated,  without cause, within 180 days of such change,
          Employee  shall be paid an  additional  severance  amount equal to six
          months salary, based on Employee's salary at the time of termination."
<PAGE>
     e.   WITH CAUSE.  Employee's  employment may be terminated for cause at any
          time  upon  five (5) days  written  notice.  For the  purpose  of this
          Agreement "for cause" is defined to include, but not be limited to the
          following:  (i)  willful,  malicious  and  grossly  negligent  acts by
          Employee having the effect or causing significant harm to the business
          interests  of The  Company;  (ii) the  failure of  Employee  to devote
          reasonable  time,  energies  and  efforts  to the  performance  of his
          duties; (iii) the conviction of Employee of any felony crime involving
          an act of moral turpitude;  (iv) the violation of any specific written
          direction  of the  Board  of  Directors  relating  to  services  to be
          rendered  by him or the scope of his  duties as  contemplated  by this
          Agreement; (v) the commission by Employee of any other material breach
          of  this  Agreement,  and to the  extent  that  this  act is  curable,
          Employee  has not cured it within  five (5)  business  days  following
          receipt of notice of said  material  breach.  Any  notice to  Employee
          shall specify the facts and circumstances claimed to provide the basis
          for such  termination.  In the event of  termination of this Agreement
          under  this  section,  the  Company  shall  only be  obligated  to pay
          Employee his compensation, and benefits earned or due up to the actual
          date of termination.

     f.   DEFAULT.  Employee shall have the option to immediately terminate this
          agreement if the Company fails to comply with the terms and conditions
          of this  Agreement,  but  only  if  such  default  or  breach  of this
          Agreement is not caused,  directly or  indirectly,  by Employee in his
          managerial  and  fiduciary  capacity  under  this  Agreement,  whereby
          Employee's intentional or unintentional, acts have caused the Company,
          through lack of work or excess expenditures,  to be unable to meet its
          financial  obligations  under  this  Agreement,  Upon  failure  of the
          Company  to  meet  any of its  obligations  due  Employee  under  this
          Agreement or there is any other material breach of this Agreement, and
          to the extent that it is curable,  Employee  shall give written notice
          to the Company and shall specify the facts and  circumstances  claimed
          to be as breach of this  Agreement.  The  Company  shall have five (5)
          business  days  following  receipt  of  such  written  notice  of said
          material  breach to cure such  breach.  If said breach is not cured by
          the Company  within such time period than it shall be deemed as if the
          Company has  terminated  this Agreement  "Without  Cause" and Employee
          shall be entitled to all amounts due hereunder as if the Agreement had
          not been terminated.

8.   AGREEMENT NOT TO COMPETE.  Employee  hereby agrees and  stipulates  that he
     shall not compete,  in business  engaged in by the Company,  the  Company's
     subsidiaries or affiliates,  either  directly or indirectly,  or compete in
     any other way with the business opportunities of any of these entities, for
     any period that he is receiving  any  compensation  from the Company  under
     this  Agreement  and not  less  than  one (1)  years  from  the date of any
     termination of this  Agreement as provided in Section 7 of this  Agreement,
     without the express  written  permission  of the Company.  Employee  hereby
     further acknowledges,  agrees and stipulates, that he has received fair and
     adequate  consideration,  in the form of  stock  options  and or  cash,  in
     exchange  for this  Agreement.  The  Parties  agree  that in the event that
     Employee is terminated from employment by the Company, this provision shall
     not be construed so as to prevent Employee from accepting employment in any
     position  that does not  involve  soliciting  the  existing  clients of the
     Company.
<PAGE>
9.   PROPRIETARY INFORMATION. Employee shall treat as information proprietary to
     the Company any and all data and/or information discovered and/or disclosed
     and shall not, directly or indirectly, use any such information and/or data
     for his own benefit or disclose or fail to use its best  efforts to prevent
     the disclosure of the same to any other person or entity for any purpose or
     reason  whatsoever,  during  the  term of  this  Agreement  or at any  time
     thereafter.

10.  PROPRIETARY  INFORMATION DEFINED.  Proprietary  information includes but is
     not  limited  to unique  concepts,  products,  services,  company/corporate
     strategy  and  business  development,  including  plans  relating  to  this
     acquisition,  expansion,  marketing,  financials,  client  lists  and other
     business  information,   operating  information,  policies,  practices  and
     processes,   database  and  networking  systems,  information  relating  to
     employees,  customers,  prospective  customers and suppliers,  whether such
     information is documented, contained electronically and/or contained on any
     other medium.

11.  REPRODUCTION OF PROPRIETARY  INFORMATION.  Employee stipulates that he will
     not, at any time, make any  reproduction,  copy,  abstract,  summary and/or
     precis of the whole or of any part of any Proprietary  Information  without
     the prior  express  written  consent  of the  Company,  in which  case said
     reproduction,  copy,  abstract,  summary  and/or  precis  shall  remain the
     property of the Company.

12.  CONFIDENTIALITY.  Employee  stipulates  that  he  shall  keep  any  and all
     Proprietary Information obtained,  during the term of this Agreement or any
     time thereafter, in the strictest of confidence and secrecy.

13.  NON-DISCLOSURE.  Employee  stipulates that he shall not, during the term of
     this  Agreement  or  any  time  thereafter,  in any  way  or by any  means,
     disclose, disseminate and /or distribute any Proprietary Information to any
     third party without the prior express written consent of the Company.

14.  NON-CIRCUMVENTION.  Employee  stipulates that he shall not, during the term
     of this  Agreement  or any  time  thereafter,  in any  way or by any  means
     implement and /or use any  Proprietary  Information,  circumvent,  usurp an
     opportunity,  take advantage of and/or benefit from,  through the exclusion
     of the Company, any Proprietary Information obtained.

15.  INJUNCTIVE  RELIEF.  The Employee  recognizes  and agrees that, a breach of
     this Agreement will cause  irreparable harm to the Company and no amount of
     monetary damages can adequately  compensate the Company for the injury that
     would be caused by said breach.  Accordingly,  Employee  hereby  stipulates
     that should the Company have a good faith  reason to believe that  Employee
     is  breaching  or taking  steps to breach any  material  provision  of this
     Agreement  then the Company  shall be entitled to immediate  issuance of an
     ex-parte temporary  restraining  order, by a Court,  enjoining the Employee
     from engaging in the opposed activities.

16.  WAIVER.  A Party's  failure to insist on compliance or  enforcement  of any
     provision of this Agreement shall not effect the validity or enforceability
     or constitute a waiver of future enforcement of that provision or any other
     provision of this Agreement by that Party or any other party.
<PAGE>
17.  LAW,  JURISDICTION  AND VENUE.  This  Agreement  shall in all  respects  be
     exclusively  subject to, and governed by, the laws of the state of Arizona.
     Exclusive  venue and  jurisdiction  for any and all  disputes  shall lie in
     Maricopa  County,  Arizona.  The Parties hereto  stipulate that any dispute
     arising out of this Agreement shall be submitted to binding  arbitration in
     Arizona pursuant to the arbitration  rules and regulations,  as codified in
     the American Arbitration Association.

18.  VALIDITY.  The  invalidity  or  unenforceability  of any  provision in this
     Agreement shall not in any way effect the validity or enforceability of any
     other provision and this Agreement shall be construed in all respects as if
     such invalid or unenforceable provision had never been in this Agreement.

19.  NOTICE.  All notices and other  communications  provided  for or  permitted
     hereunder shall be made by hand - delivery, overnight courier, certified or
     registered  mail,  postage prepaid and return receipt  requested,  telex or
     facsimile transmission.

     If to the Company                  If to Employee
     -----------------                  --------------
     4250 East Camelback                1709 East Queen Palm Drive
     Phoenix, AZ  85018                 Gilbert, AZ  85234
     Fax:  602-522-8714                 Fax:__________________

     All such notices shall be deemed to have been duly given:

     when delivered, by hand if personally delivered; and
     the next day, after being sent by overnight courier; and
     when received, if by mail; and
     when received (as electronically acknowledged), if by facsimile
     transmission.

20.  AMENDMENTS. This Agreement may be amended, at any time, only by the written
     mutual consent of the Parties hereto, with any such Amendment to be invalid
     unless it is both written and signed by both Parties.

21.  LEGAL FEES AND COSTS.  The Parties  hereby  stipulate and agree that in the
     event  that  a  dispute  arises  between  the  Parties,  relating  to  this
     Agreement,  and one or both of the  Parties  deem it  necessary  to hire an
     attorney  to protect  its rights  and/or  resolve  said  dispute,  then the
     prevailing Party, in any action,  shall be entitled to recover and collect,
     from the  non-prevailing  Party,  all reasonable  attorney's fees and costs
     incurred.

22.  ENTIRE  AGREEMENT.   This  Agreement  contains  the  entire  agreement  and
     understanding by and between the Parties and no representations,  promises,
     agreements  and/or  understandings,  written  or  oral,  relating  to  this
     Agreement  by either  Party not  contained  herein shall be of any force or
     effect.

                             SIGNATURE PAGE FOLLOWS
<PAGE>
IN WITNESS  WHEREOF,  the Company and Employee have duly executed this Agreement
this ____ day of ________, 1999.


FutureOne, Inc.                         Employee


/s/ Earl J. Cook                        /s/ Ralph Zanck
-------------------------------         -------------------------------
By: Earl J. Cook                        Ralph Zanck
Its: President/CEO