Document:

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                                  Exhibit 10.38

                           Executive Change-in-Control
                               Severance Agreement

                               ___________________

                      Pacific Century Financial Corporation

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                                    Contents

_______________________________________________________________________________

                                                                       Page

Article 1.   Establishment and Purpose .............................   1

Article 2.   Definitions and Construction ..........................   2

Article 3.   Severance Benefits ....................................   4

Article 4.   Disqualification From Receipt of Benefits .............   7

Article 5.   Form and Timing of Severance Benefits .................   7

Article 6.   Parachute Payments ....................................   8

Article 7.   Other Rights and Benefits Not Affected ................   9

Article 8.   Successors ............................................  10

Article 9.   Administration ........................................  10

Article 10.  Legal Fees ............................................  11

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                      Pacific Century Financial Corporation
                 Executive Change-in-Control Severance Agreement

Article 1.  Establishment and Purpose
            -------------------------

     1.1 Effective Date. This Executive Change-in-Control Severance Agreement
(the "Agreement) is made and entered into pursuant to Pacific Century Financial
Corporation's Key Executive Severance Plan (the "Plan"), and is effective as of
this 25th day of January, 2002 (the "Effective Date"), by and between Pacific
Century Financial Corporation ("PCFC"), a Delaware corporation, and Richard C.
Keene, an executive (the "Executive") of its subsidiary, Bank of Hawaii (the
"Bank"). This Agreement shall supersede and replace any prior severance
agreement entered into between the Bank and the Executive.

     1.2 Term of the Agreement. The Agreement shall commence as of the Effective
Date written above, and shall continue until the Board of Directors of PCFC (the
"Board") determines, in good faith and in its sole discretion, that the
Executive is no longer to be included in the Plan and so notifies in writing the
Executive during the term of this Agreement of such determination.

         Provided, however, in the event that a Change in Control of PCFC, as
defined in Section 2.1 herein, occurs during the term of this Agreement, this
Agreement shall remain irrevocably in effect for the greater of twenty-four (24)
months from the date of such Change in Control, or until all benefits have been
paid to the Executive hereunder.

         Further, in the event that the Board has knowledge that a third party
has taken steps reasonably calculated to effect a Change in Control of PCFC,
including, but not limited to, the commencement of a tender offer for the voting
stock of PCFC, or the circulation of a proxy to PCFC's shareholders, then this
Agreement shall remain irrevocably in effect until the Board, in good faith,
determines that such third party has fully abandoned or terminated its effort to
effect a Change in Control of PCFC.

     1.3 Purpose of the Agreement. The purpose of this Agreement pursuant to the
Plan, is to advance the interests of PCFC and the Bank by assuring that PCFC and
the Bank will have the continued employment and dedication of the Executive and
the availability of his advice and counsel in the event that an acquisition or
Change in Control of PCFC occurs. This Agreement shall also assure the Executive
of equitable treatment during the period of uncertainty that surrounds an
acquisition or Change in Control, and allow the Executive to act at all times in
the best interests of PCFC and its shareholders.

     1.4 Contractual Right to Benefits. This Agreement establishes and vests in
the Executive a contractual right to the benefits which he or she is entitled
hereunder, enforceable by

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the Executive against PCFC. However, nothing herein shall require PCFC to
segregate, earmark, or otherwise set aside any funds or other assets to provide
for any payments hereunder.

          This Agreement shall be considered an unfunded agreement to provide
benefits to a select group of management or highly compensated employees, and is
therefore intended to be a "top-hat" plan exempt from the requirements of the
provisions of Parts 2, 3, and 4 of Title I of ERISA.

Article 2.  Definitions and Construction
            ----------------------------

     2.1  Definitions. Whenever used in the Agreement, the following terms shall
have the meanings set forth below and, when the meaning is intended, the initial
letter of the word is capitalized.

          (a) "Base Salary" means the annualized salary at the beginning of each
              Year, which includes all regular basic wages, before reduction for
              any amounts deferred on a tax-qualified or nonqualified basis,
              payable in cash to an Executive for services rendered during the
              Year. Base Salary shall exclude bonuses, incentive compensation,
              special fees or awards, commissions, allowances, or any other form
              of premium or incentive pay, or amounts designated by PCFC as
              payment toward or reimbursement of expenses.

          (b) "Beneficial Owner" shall have the meaning ascribed to such term in
              Rule 13d-3 of the General Rules and Regulations under the
              Securities Exchange Act of 1934, as amended (the "Exchange Act").

          (c) "Beneficiary" with respect to an Executive means the person or
              entities designated or deemed designated by an Executive pursuant
              to Section 8.2 herein.

          (d) "Board" means the Board of Directors of PCFC.

          (e) "Change in Control" of PCFC means any one or more of the following
              occurrences:

              (i)  Any Person, including a "group" as defined in Section
                   13(d)(3) of the Securities Exchange Act of 1934, becomes the
                   beneficial owner of shares of PCFC having 25 percent or more
                   of the total number of votes that may be cast for the
                   election of Directors of PCFC; or

              (ii) As the result of, or in connection with, any cash tender or
                   exchange offer, merger or other business combination, sale of

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                     assets or contested election, or any combination of the
                     foregoing transactions, the person who were Directors of
                     PCFC before the transaction shall cease to constitute a
                     majority of the Board of Directors of PCFC or any successor
                     to PCFC.

          (f)  "Code" means the Internal Revenue Code of 1986, as amended.

          (g)  "PCFC" means Pacific Century Financial Corporation, a Delaware
               corporation, or any successor thereto that adopts the Agreement,
               as provided in Section 8.1 herein.

          (h)  "Committee" means the Compensation Committee of the Board of
               Directors of PCFC or any other committee appointed by the Board
               to administer this Agreement.

          (i)  "Disability" means a physical or mental condition which renders
               an Executive unable to discharge his normal work responsibility
               with PCFC or the Bank and which, in the opinion of a licensed
               physician selected by the Executive, subject to reasonable
               approval by the Committee based upon sufficient medical evidence,
               can be reasonably expected to continue for a period of at least
               one full calendar year. If an Executive fails to select a
               physician with ten (10) business days of a written request made
               by PCFC, then PCFC may select a physician for purposes of this
               paragraph.

          (j)  "Effective Date" means the date the Agreement is approved by the
               Board, or such other date as the Board shall designate in its
               resolution approving the Agreement, and as provided in Section
               1.1 herein.

          (k)  "Effective Date of Termination" means the date on which a
               Qualifying Termination occurs.

          (l)  "ERISA" means the Employee Retirement Income Security Act of
               1974, as amended from time to time, or any successor act thereto.

          (m)  "Expiration Date" means the date the Agreement expires, as
               provided in Section 1.2 herein.

          (n)  "Just Cause" shall mean the basis for a termination of an
               Executive's employment by the Bank for which no Severance
               Benefits are payable hereunder, as provided in Article 4 herein.

          (o)  "Normal Retirement Date" shall mean the date on which the
               Executive attains age 65.

          (p)  "Person" shall have the meaning ascribed to such terms in Section
               3(a)(9) of the Exchange Act and used in Sections 13(d) and 14(d)

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               thereof, including a "group" as defined in Section 13(d).

          (q)  "Plan" means the Pacific Century Financial Corporation Key
               Executive Severance Plan, adopted April 27, 1983.

          (r)  "Qualifying Termination" shall mean a termination of the
               Executive's employment by the Bank as described in Section 3.2
               herein.

          (s)  "Severance Benefit" means the payment of severance compensation
               as provided in Article 3 herein.

          (t)  "Year" means the consecutive 12-month period beginning each
               January 1 and ending December 31.

     2.2  Gender and Number. Except where otherwise indicated by the context,
any masculine term used herein also shall include the feminine, the plural shall
include the singular, and the singular shall include the plural.

     2.3  Severability. In the event any provision of the Agreement shall be
held illegal or invalid for any reason, the illegality or invalidity shall not
affect the remaining parts of the Agreement, and the Agreement shall be
construed and enforced as if the illegal or invalid provision had not been
included.

     2.4  Modification. No express provisions of this Agreement may be modified,
waived, or discharged unless such modification, waiver, or discharge is agreed
to by the Executive in writing and approved by the Compensation Committee of the
Board of Directors.

     2.5  Applicable Law. To the extent not preempted by the laws of the United
States, the laws of the State of Hawaii shall be the controlling law in all
matters relating to the Agreement without regard to the conflicts of law
principles in such laws.

Article 3.  Severance Benefits
            ------------------

     3.1  Right to Severance Benefits. The Executive shall be entitled to
receive from PCFC Severance Benefits as described in Section 3.4 herein, if
there has been a Change in Control of PCFC, as defined in Section 2.1(e) herein,
and if, within twenty-four (24) months thereafter, the Executive's employment
with the Bank shall end for any reason specified in Section 3.2 herein as being
a Qualifying Termination. An Executive shall not be entitled to receive
Severance Benefits if the Executive's employment with the Bank ends due to an
involuntary termination by the Bank for Just Cause, as provided under Article 4
herein, or if the Executive's employment terminates due to death, Disability, or
voluntary employment termination on or after Normal Retirement Date.

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     3.2  Qualifying Termination. The occurrence of any one or more of the
following events within twenty-four (24) calendar months after a Change in
Control of PCFC shall trigger the payment of Severance Benefits to the
Executive, as provided under Section 3.4 herein:

          (a)  The Bank's involuntary termination of the Executive's employment
               without Just Cause;

          (b)  The Executive's voluntary employment termination for Good Reason,
               as defined by Section 3.3 herein;

          (c)  A successor company fails or refuses to assume PCFC's obligations
               under this Agreement in their entirety, as required by Article 8
               herein; or

          (d)  PCFC, or any successor company, commits a material breach of any
               of the provisions of this Agreement.

     3.3  Definition of Good Reason. "Good Reason" means, without the
Executive's express written consent, the occurrence after a Change in Control of
PCFC of any one or more of the following:

          (a)  The assignment of the Executive to duties materially inconsistent
               with the Executive's authorities, duties, responsibilities, and
               status (including offices, titles, and reporting requirements) as
               an executive and/or officer of PCFC or the Bank, or a material
               reduction of the Executive's authorities, duties, or
               responsibilities from those in effect as of ninety (90) days
               prior to the Change in Control, other than an act that is
               remedied by PCFC or the Bank promptly after receipt of notice
               thereof given by the Executive;

          (b)  The Bank requiring the Executive to be based at a location in
               excess of seventy-five (75) miles from the location of the
               Executive's principal job location or office immediately prior to
               the Change in Control; except for required travel on Bank
               business to an extent substantially consistent with the
               Executive's then present business travel obligations;

          (c)  A reduction by the Bank of the Executive's annual rate of Base
               Salary in effect as of ninety (90) days prior to the Change in
               Control;

          (d)  The failure of PCFC or the Bank to continue in effect any of
               PCFC's or the Bank's annual and long-term incentive compensation
               plans, or employee benefit or retirement plans, policies,
               practices, or other compensation arrangements in which the
               Executive participates as in effect prior to the Change in
               Control, unless such failure to continue the plan, policy,
               practice, or arrangement pertains to all plan participants
               generally; or the failure by PCFC or the Bank to continue the

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               Executive's participation therein on substantially the same
               basis, both in terms of the amount of benefits provided and the
               level of the Executive's participation relative to other
               participants and commensurate with the Executive's responsibility
               and duties; and

          (e)  The failure of PCFC or the Bank to obtain a satisfactory
               agreement from any successor to PCFC to assume and agree to
               perform PCFC's obligations under this Agreement, as contemplated
               in Article 8 herein.

     3.4  Description of Severance Benefits. In the event that an Executive
becomes entitled to receive Severance Benefits, as provided in Section 3.1
herein, PCFC shall pay to the Executive and provide him with the following:

          (a)  An amount equal to two (2) times the Executive's annual rate of
               Base Salary in effect upon the Effective Date of Termination; and

          (b)  An amount equal to two (2) times the Executive's target bonus
               under the PCFC One-Year Incentive Plan for the fiscal year prior
               to the Effective Date of Termination. If the Executive's period
               of employment is less than one year, the bonus shall be
               considered zero (0) however, the "Completion Bonus" stipulated in
               the offer of employment letter will be paid, and

          (c)  A payout under the PCFC One-Year Incentive Plan, in accordance
               with the terms of such Plan; and

          (d)  A payout under the PCFC Long-Term Incentive Plan, in accordance
               with the terms of such Plan; and

          (e)  A continuation of all welfare benefits at normal employee cost
               including medical insurance, long-term disability, and group term
               life insurance for two (2) full years from the Effective Date of
               Termination or until the Executive reaches his Normal Retirement
               Date, whichever occurs earlier. However, these benefits will be
               discontinued prior to the end of the two (2) years in the event
               the Executive receives substantially similar benefits from a
               subsequent employer, as determined by the Compensation Committee.

     3.5  Reduction of Severance Benefits. In the event there are fewer than
twenty-four (24) whole or partial months remaining from the Executive's
Effective Date of Termination until the Executive's Normal Retirement Date, then
the amounts provided for under Sections 3.4(a), (b), (c), and (d) above shall be
reduced by a fraction, the numerator of which shall be the number of whole or
partial months remaining until the Executive's Normal Retirement Date, and the
denominator of which shall be twenty-four (24).

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     3.6 Outplacement Services. In the event that the Executive becomes entitled
to receive Severance Benefits as provided in Section 3.1 herein, the Executive
shall be entitled, at the expense of PCFC, to receive standard outplacement
services from a nationally recognized outplacement firm as selected by the
Executive, for a period of up to twenty-four (24) months from the Effective Date
of Termination. However, such services shall not exceed a maximum annual benefit
of ten percent (10%) of the Executive's annual rate of Base Salary as of the
Effective Date of Termination.

     3.7 Incentive Compensation. In the event that the Executive becomes
entitled to receive Severance Benefits as provided in Section 3.1 herein, any
deferred awards previously granted to the Executive under the PCFC One-Year
Incentive Plan and PCFC Long-Term Incentive Plan, and not previously paid to the
Executive, shall immediately vest on the date of the Executive's Effective Date
of Termination and shall be paid no later than ninety (90) calendar days
following that date, and be included as compensation in the month paid.

     3.8 Stock Options and SARs. Stock options ("options") and stock
appreciation rights ("SARs"), if any, granted to the Executive by PCFC will be
exercisable pursuant to the terms of the applicable plans.

Article 4.  Disqualification From Receipt of Benefits
            -----------------------------------------

         No Severance Benefits shall be payable to the Executive under this
Agreement in the event the Executive is terminated by the Bank for Just Cause.

         For this purpose, Just Cause shall mean willful, malicious conduct by
the Executive which is detrimental to the best interests of PCFC including
theft, embezzlement, the conviction of a criminal act, disclosure of trade
secrets, a gross dereliction of duty, or other grave misconduct on the part of
the Executive which is substantially injurious to PCFC or the Bank. Just Cause
also shall include the failure of the Executive to perform any and all covenants
under this Agreement.

Article 5.  Form and Timing of Severance Benefits
            -------------------------------------

     5.1 Form and Timing of Severance Benefits. The Severance Benefits described
in Sections 3.4(a), (b), (c) and (d) herein, shall be paid in cash to the
Executive in a single lump sum as soon as practicable following the Executive's
Effective Date of Termination, but in no event beyond ninety (90) calendar days
from such date.

         The Severance Benefits described in Section 3.4(e) herein shall be
provided by PCFC to the Executive immediately upon the Executive's Effective
Date of Termination and shall continue to be provided for two (2) full calendar
years from the Executive's Effective Date of Termination or until the Executive
reaches his Normal Retirement date, whichever occurs

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earlier. However, the Severance Benefits described in Section 3.4(e) herein
shall be discontinued prior to the end of the two (2) year period immediately
upon the Executive receiving substantially similar benefits from a subsequent
employer, as determined by the Committee.

     5.2 Withholding of Taxes. PCFC shall withhold from any amounts payable
under this Agreement all Federal, state, city, or other taxes as legally shall
be required.

Article 6.  Parachute Payments
            ------------------

     6.1 Determination of Alternative Severance Benefit Limit. Notwithstanding
any other provision of this Agreement, if any portion of the Severance Benefits
or any other payment under this Agreement, or under any other agreement with, or
plan of PCFC (in the aggregate "Total Payments") would constitute an "excess
parachute payment", then the payments to be made to the Executive under this
Agreement shall be reduced such that the value of the aggregate Total Payments
that the Executive is entitled to receive shall be one dollar ($1) less than the
maximum amount which the Executive may receive without becoming subject to the
tax imposed by Section 4999 of the Code, or which PCFC may pay without loss of
deduction under Section 280G(a) of the Code. However, such reduction in
Severance Benefits shall apply if, and only if, the resulting Severance Benefits
with such reduction is greater in value to the Executive than the value of the
Severance Benefits without a reduction, net of any tax imposed on the Executive
pursuant to Section 4999 of the Code.

         For purposes of this Agreement, the terms "excess parachute payment"
and "parachute payments" shall have the meanings assigned to such terms in
Section 280G of the Code, and such "parachute payments" shall be valued as
provided therein.

     6.2 Procedure for Establishing Alternative Limitation. Within fifteen (15)
calendar days following delivery of the notice of Qualifying Termination or
notice by PCFC to the Executive of its belief that there is a payment or benefit
due the Executive which will result in an "excess parachute payment" as defined
in Section 280G of the Code, the Executive and PCFC, at PCFC's expense, shall
obtain the opinion of PCFC's principal outside law firm, accounting firm, and/or
compensation and benefits consulting firm, which sets forth: (i) the amount of
the Executive's "annualized includible compensation for the base period" [as
defined in Code Section 280G(d)(1)]; (ii) the present value of the Total
Payments; and (iii) the amount and present value of any "excess parachute
payment".

         In the event that such opinion determines that there would be an
"excess parachute payment", such that a reduction in the Severance Benefits
would result in a greater net benefit to the Executive (as provided in Section
6.1 herein), then the Severance Benefits hereunder or any other payment
determined under the opinion to be includible in Total Payments shall be reduced
or eliminated so that, on the basis of calculations set forth in such opinion,
there will be no "excess parachute payment".

<PAGE>

          The reduction or elimination of specific payments shall apply to such
type and amount of specific payments as may be designated by the Executive in
writing delivered to PCFC within ten (10) calendar days of receipt of the
opinion, or, if the Executive fails to so notify PCFC, as may be reasonably
determined by PCFC.

         The provisions of this Section 6.2, including the calculations,
notices, and opinion provided for herein, shall be based upon the conclusive
presumption that the following amounts are reasonable: (i) the compensation and
benefits provided for in Article 3 herein; and (ii) any other compensation
earned prior to the Effective Date of Termination by the Executive pursuant to
PCFC's compensation programs (if such payments would have been made in the
future in any event, even though the timing of such payment is triggered by the
Change in Control).

     6.3 Subsequent Imposition of Excise Tax. If, notwithstanding compliance
with the provisions of Sections 6.1 and 6.2 herein, it is ultimately determined
by a court or pursuant to a final determination by the Internal Revenue Service
that any portion of the Total Payments is considered to be a "parachute
payment", subject to excise tax under Section 4999 of the Code, which was not
contemplated to be a "parachute payment" at the time of payment (so as to
accurately determine whether a limitation should have been applied to the Total
Payments to maximize the net benefit to the Executive, as provided in Sections
6.1 and 6.2 herein), the Executive shall be entitled to receive a lump-sum cash
payment sufficient to place the Executive in the same net after-tax position,
computed by using the "Special Tax Rate" as such term is defined below, that the
Executive would have been in had such payment not been subject to such excise
tax, and had the Executive not incurred any interest charges or penalties with
respect to the imposition of such excise tax. For purposes of this Agreement,
the "Special Tax Rate" shall be the highest effective Federal and state marginal
tax rates applicable to the Executive in the year in which the payment
contemplated under the Section 6.3 is made.

Article 7.  Other Rights and Benefits Not Affected
            --------------------------------------

     7.1 Other Benefits. Neither the provisions of this Agreement nor the
Severance Benefits provided for hereunder shall reduce any amounts otherwise
payable, or in any way diminish the Executive's rights as an employee of PCFC,
whether existing now or hereafter, under any benefit, incentive, retirement,
stock option, stock bonus, stock purchase plan, or any employment agreement, or
other plan or arrangement.

     7.2 Employment Status. This Agreement does not constitute a contract of
employment or impose on the Bank or PCFC any obligation to retain the Executive
as an employee, to change the status of the Executive's employment, or to change
PCFC's policies regarding termination of employment. The Executive serves as an
employee of the Bank and this Agreement shall not create an employment
relationship between PCFC and the Executive.

<PAGE>

Article 8.  Successors
            ----------

     8.1 Successors. PCFC will require any successor (whether direct or
indirect, by purchase, merger, consolidation, or otherwise) of all or
substantially all of the business and/or assets of PCFC or of any division or
subsidiary thereof to expressly assume and agree to perform this Agreement in
the same manner and to the same extent that PCFC would be required to perform it
if no such succession had taken place. Failure of PCFC to obtain such assumption
and agreement prior to the effectiveness of any such succession shall be a
breach of this Agreement and shall entitle the Executive to compensation from
PCFC in the same amount and on the same terms as they would be entitled
hereunder if terminated voluntarily following a Change in Control. Except for
the purposes of implementing the foregoing, the date on which any succession
becomes effective shall be deemed the Effective Date of Termination.

         This Agreement shall inure to the benefit of and be enforceable by the
Executive's personal or legal representatives, executors, administrators,
successors, heirs, distributees, devisees, and legatees. If an Executive should
die while any amount would still be payable to him hereunder had he continued to
live, all such amounts, unless otherwise provided herein, shall be paid in
accordance with the terms of this Agreement, to the Executive's devisee,
legatee, or other designee, or if there is no such designee, to the Executive's
estate.

     8.2 Beneficiaries. The beneficiary of the Executive's Severance Benefits
under this Agreement shall be designated by the Executive in the form of a
signed writing acceptable to the Committee. An Executive may make or change such
designation at any time.

Article 9.  Administration
            --------------

     9.1 Administration. This Agreement shall be administered by the
Compensation Committee of the Board of Directors. The Committee is authorized to
interpret this Agreement, to prescribe and rescind rules and regulations, to
provide conditions and assurances deemed necessary and advisable, to protect the
interests of PCFC, and to make all other determinations necessary or advisable
for the Agreement's administration.

         In fulfilling its administrative duties hereunder, the Committee may
rely on outside counsel, independent accountants, or other consultants to render
advice or assistance.

     9.2 Indemnification and Exculpation. The members of the Board, its agents
and officers, directors, and employees of PCFC and its affiliates shall be
indemnified and held harmless by PCFC against and from any and all loss, cost,
liability, or expense that may be imposed upon or reasonably incurred by them in
connection with or resulting from any claim, action, suit, or proceeding to
which they may be a party or in which they may be involved by reason of any
action taken or failure to act under this Agreement and against and from any and
all amounts paid by them in settlement (with PCFC's written approval) or paid by
them in satisfaction of a judgment in any such action, suit, or proceeding. The
foregoing provision shall

<PAGE>

not be applicable to any person if the loss, cost, liability, or expense is due
to such person's gross negligence or willful misconduct.

Article 10.  Legal Fees
             ----------

     PCFC shall pay all reasonable legal fees, costs of litigation, and other
expenses incurred in good faith by the Executive as a result of PCFC's refusal
to provide the Severance Benefits to which the Executive becomes entitled under
this Agreement, or as a result of PCFC's contesting the validity,
enforceability, or interpretation of the Agreement. Provided, however, that such
payments shall not exceed the amount permitted by law and PCFC's Restated
Articles of Incorporation.

         IN WITNESS WHEREOF, PCFC has caused this Agreement to be executed by a
resolution of the Board of Directors, as of the day and year first above
written.

                                          Pacific Century Financial Corporation

                                          By: /S/  Michael E. O'Neill
                                              ----------------------------------
                                               Michael E. O'Neill
                                          Its: Chairman & CEO

                                          By:  /S/ Richard C. Keene
                                               ---------------------------------
                                               (Executive)

ATTEST:

         /S/ Neal C. Hocklander
--------------------------------------------<PAGE>

EXHIBIT 10.1

                           STOCK ACQUISITION AGREEMENT

This Stock Acquisition Agreement (hereinafter "Agreement") is entered into as of
the 2nd day of February, 2000 by and among TRADER SECRETS.COM formerly known as
CLEANWAY CORPORATION, a Nevada corporation (the "Company"); NATIONAL LIGHTING
CORP., a company incorporated in the Province of British Columbia and having
offices in Vancouver, British Columbia ("NLC"), and Bob Fraser and Bill
Grossholz (collectively, the "Sellers" and individually a "Seller", who are the
holders of all of the issued and outstanding shares of NLC.

                                    RECITALS

WHEREAS, the Company is interested in the acquisition and operation of Internet
companies;

WHEREAS, NLC has been formed as an Internet company that will provide user
services in the Internet telephony business;

WHEREAS, the Company desires to acquire from sellers all of the outstanding
shares of NLC, so as to constitute NLC as a 100% owned subsidiary of the Company
in exchange for shares of the voting common shares of the Company (the "Company
Shares") comprising of Non-escrowed Shares and Escrow Shares (both as
hereinafter defined).

NOW, THEREFORE, in consideration of the promises and the mutual covenants,
agreements and provisions hereinafter contained, the parties hereto do hereby
adopt a plan of reorganization and agree as follows;

                     ARTICLE I - THE EXCHANGE/REORGANIZATION

1.       PLAN OF REORGANIZATION. The Sellers are the owners of all of the issued
         and outstanding shares of NLC, consisting of 100 shares of common
         shares which shares are owned by the Sellers as follows:

         Name of Seller                     Number of Shares
         --------------                     ----------------

         Bob Fraser                               50
         Bill Grossholz                           50

         It is the intention of the parties that all of such issued and
         outstanding shares of NLC be transferred by the Sellers to the Company
         in exchange for shares of the voting common shares of the Company, so
         that NLC shall become a wholly owned subsidiary of the Company and the
         Sellers shall become shareholders of the Company.

<PAGE>

2.       EXCHANGE OF SHARES

         (a)      The Company shall issue and deliver to the Sellers and
                  aggregate of Five Hundred Thousand (500,000) shares of voting
                  common shares of the Company (the "Non-escrowed Shares") which
                  shall be issued and delivered as follows:

                  Seller's Name                   Number of Shares to be Issued
                  -------------                   -----------------------------

                  Bob Fraser                                140,000
                  Bill Grossholz                            120,000
                  David Mitchell                            120,000
                  Rob Harrison                              120,000

         (b)      The Sellers shall deliver to the Company certificates
                  representing all of the issued and outstanding shares of NLC,
                  registered in the name of such Seller and duly endorsed for
                  transfer to the Company.

3.       CERTAIN RESALES OF COMPANY SHARES. The Sellers may in their sole
         discretion sell or otherwise transfer the Company Shares in such public
         or private transactions and on such terms and conditions as the
         Sellers, respectively, deem appropriate, subject only to compliance
         with all applicable securities laws and rules, including without
         limitation the Securities Act of 1933, as amended (the "1933 Act"). In
         connection with any such sale or transfer, compliance with the 1933 Act
         and the rules and regulations thereunder shall be conclusively
         established by the delivery to the Company of a legal opinion of the
         Company's U.s. attorney, or other counsel experienced in securities law
         matters which counsel is reasonably acceptable to the Company stating
         that such sale or transfer complies with the 1933 Act and the rules and
         regulations thereunder.

4.       ESCROW SHARES. Immediately upon the effective date of this Agreement,
         the Company and the Sellers will cause a mutually acceptable Escrow
         Agent to be appointed for the purpose of holding 5,000,000 issued
         common shares of the Company (the "Escrow Shares"). The Escrow Shares
         are to be issued as follows:

         Name of Escrow Shareholder               Number of Shares to be Issued
         --------------------------               -----------------------------

         Bob Fraser                                        2,500,000
         Bill Grossholz                                    2,500,000

         The Escrow Shares will be released to the holders in accordance with
         the following time-based formula:

         (a)      1,000,000 Escrow Shares shall be released to the holders, in
                  proportion to the percentages set out opposite the names
                  above, within 10 business days of December 31, 2000 subject to
                  foreiture determined as follows:

                  (a)      the gross sales revenues for the year 2000 shall be
                           calculated (the "Calculation Revenue");

<PAGE>

                  (b)      the difference between CAN$1,000,000 and the
                           Calculated Revenue shall be calculated (the
                           "Difference");
                  (c)      the Difference shall be pro-rated among every Escrow
                           Shareholder by multiplying the Difference by the
                           percentages described in this paragraph above
                           opposite the name of such holder (the "Pro-rated
                           Difference");
                  (d)      for every CAN$1.00 of Pro-rated Difference allocated
                           to each Escrow Shareholder, 1 Escrow Share shall be
                           forefeited by such Escrow Shareholder and at the
                           Company's option, either returned to treasury or
                           cancelled.

                  For Example, should NLC reach only $600,000 in gross sales by
                  December 31, 2000, then the Escrow Agent shall release 600,000
                  shares from escrow to the holders in the percentages set
                  opposite their names above, and the remaining 400,000 shares
                  shall be forfeited and returned to the Company for
                  cancellation.

         (b)      The remaining 4,000,000 Escrow shares shall be released to the
                  holders, in proportion to the percentages set opposite their
                  respective names above, within 10 business days of December
                  31, 2001 subject to forfeiture determined as follows:

                  (e)      the gross sales revenues for the year 2001 shall be
                           calculated (the "Calculated Revenue");
                  (f)      the difference between $4,000,000 and the Calculated
                           Revenue shall be calculated (the "Difference");
                  (g)      the Difference shall be pro-rated among every escrow
                           Shareholder by multiplying the Difference by the
                           percentages described in this paragraph above
                           opposite the name of such holder (the "Pro-rated
                           Difference");
                  (h)      for every CAN$1.00 of Pro-rated Difference allocated
                           to each Escrow Shareholder, 1 Escrow Share shall be
                           forfeited by such Escrow Shareholder and at the
                           Company's option, either returned to treasury or
                           cancelled

         The Company and the holders shall enter into an escrow agreement with a
         mutually agreed upon escrow holder to set out the terms of the release
         of the Escrow Shares to the holder prior to the Closing of this
         Agreement.

         Any shares of the Company shall only be sold in compliance with all
         applicable securities laws and rules, including without limitation, the
         1933 Act. In connection with any such sale or transfer, compliance with
         the 1933 Act and the rules and regulations thereunder shall be
         conclusively established by the delivery to the Company of a legal
         opinion of the Company's U.S. attorney, or other counsel experienced in
         securities law matters which counsel is reasonably acceptable to the
         Company stating that such sale or transfer complies with the 1933 Act
         and the rules and regulations thereunder.

5.       FINANCING. The Company acknowledges that NLC requires a minimum of
         CDN$50,000 in financing over the five to ten days in order to start the
         project. The financing needed in the next 30 to 60 days is
         approximately $250,000 dollars for building, advertising and marketing

<PAGE>

         services for NLC. The Company undertakes to use its best efforts to
         raise such $250,000 for NLC within 30 to 60 days from the date of
         Closing of this Agreement. The Company hereby agrees that it will use
         its best efforts to contribute up to an additional $500,000 to the
         capital of NLC over the following nine months if necessary, and subject
         to approval of budget and approval of the board of directors.

6.       INVESTMENT REPRESENTATIONS.

         (i)      Each of the Sellers acknowledges, agrees and represents
                  severally, and not jointly, that:

                  (a)      (i)      none of the shares of the Company being
                                    acquired hereunder has been registered under
                                    the 1933 Act;

                           (ii)     all of the shares acquired hereunder are
                                    being, and will be, acquired and held for
                                    investment, not for resale or distribution
                                    to the public and not for the purchase of
                                    effecting or causing to be effected a public
                                    offering of such securities and, further,
                                    that none of such securities will be sold,
                                    transferred, assigned or disposed of except
                                    in accordance wit the 1933 Act and any other
                                    applicable securities laws;

                  (b)      by reason of the foregoing investment representations
                           and restrictions upon transfer: (i) the shares
                           acquired must be held indefinitely unless registered
                           under the 1933 Act and the BC Securities Act or an
                           exemption from Acts are available; (ii) if Rule 144
                           of the Rules and Regulations promulgated by the SEC
                           is applicable to future sales of Company Shares, such
                           sale may be limited in amounts in accordance with the
                           terms and conditions of that rule; (iii) in the case
                           of securities to which that rule is not applicable,
                           compliance with some other applicable exemption, if
                           any be available, will be required; and (iv) all of
                           the issued shares will bear a legend restricting
                           transfer thereof unless such transfer is either
                           qualified by registration or prospectus or is exempt
                           from such filings.

                  (c)      he has relied upon his own investigation into the
                           Company and its financial condition, and the
                           warranties and representations made by the Company
                           herein, for the purposes of deciding to enter into
                           and consummate the transaction contemplated by the
                           agreement and to accept the Company Shares in
                           exchange for shares of NLC. Except for the express
                           representations and warranties set forth herein, he
                           has not relied upon any other oral or written
                           representation made by the Company or any of its
                           officers or directors or representations. No
                           representations or statements shall survive the
                           Closing with the exception of the representations and
                           warranties contained in this Agreement or otherwise
                           made in writing.

<PAGE>

         (ii)     The Company acknowledges, agrees and represents that:

                  (a)      all of the shares of NLC acquired hereunder are
                           being, and will be, acquired and held for investment,
                           not for resale or distribution to the public and not
                           for the purchase of effecting or causing to be
                           effected a public offering or such securities and,
                           further, that none of such securities will be sold,
                           transferred, reassigned or disposed of except in
                           accordance with all applicable securities laws,
                           including without limitation, the 1933 Act.

                  (b)      it has relied upon its own investigation into NLC and
                           its financial condition, and the warranties and
                           representations made by the Sellers herein, for the
                           purposes of deciding to enter into and consummate the
                           transaction contemplated by this Agreement and to
                           accept shares of NLC in exchange for shares of the
                           Company. Except for the express representations and
                           warranties set forth herein, it has not relied upon
                           any other oral or written representations made by the
                           Sellers or any of their representatives. No
                           representation, warranties or covenants shall survive
                           the Closing with the exception of the
                           representations, warranties and covenants contained
                           in this Agreement or otherwise made in writing.

7.       CLOSING

         (a)      The closing of the transactions contemplated by this Agreement
                  shall take place at the offices of the Company, or at such
                  other location as is acceptable to the parties, and at the
                  time as the parties may approve.

         (b)      The obligation of the Sellers to consummate the transactions
                  contemplated by this Agreement are subject to the fulfillment
                  or satisfaction at or before Closing of the following
                  conditions:

                  (i)      The Sellers shall have been satisfied with due
                           diligence investigation of the Company.

                  (ii)     The Company shall have made all of the deliveries
                           required of it under this Agreement.

         (c)      At the Closing, the Sellers shall deliver or cause to be
                  delivered to the Company the following instruments and other
                  documents;

                  (i)      Certified resolutions of the Board of Directors of
                           NLC approving this execution and delivery of this
                           Agreement by NLC;

                  (ii)     Certificate of good standing of NLC from the Province
                           of British Columbia, reflecting that NLC is a
                           corporation in good standing under the laws of the
                           jurisdiction of its incorporation.

<PAGE>

                  (iii)    Any and all other documents which the Company may
                           reasonably request.

         (d)      The obligation of the Company to consummate the transactions
                  contemplated by this Agreement are subject to the fulfillment
                  or satisfaction at or before the closing of the following
                  conditions;

                  (i)      The Company shall have been satisfied with its due
                           diligence investigation of NLC

                  (ii)     The Sellers shall have made all of the deliveries
                           required of them under this Agreement.

         (e)      At the Closing, the Company shall deliver or use to be
                  delivered to the Sellers the following instruments and other
                  documents;

                  (i)      Certified resolutions of the Board of Directors of
                           the Company approving the execution, delivery and
                           performance of this Agreement by the Company and
                           authorizing the issuance of shares of the Company to
                           the Sellers;

                  (ii)     Any and all other documents which the Sellers may
                           reasonably request.

8.       OFFICERS AND DIRECTORS. Immediately after Closing, Mr. Robert Fraser
         will become President, and the Company after closing shall have a Board
         of Directors consisting of Bill Grossholz, David Mitchell and Rob
         Harrison

9.       EMPLOYMENT CONTRACT. Prior to Closing, the Company agrees to enter into
         an employment and non-competition contract with Bob Fraser setting out
         the terms of his employment with the Company, which contract shall be
         in writing.

10.      NAME CHANGE. After Closing, the Company shall forthwith change its name
         to VOIP Technology, Inc., or such other name as is acceptable to the
         board of directors of the Company and the regulatory authorities and it
         shall obtain a new CUSIP number and in furtherance of same shall file
         all instruments which the Company is required to file with the
         regulatory authorities.

11.      REPORTING COMPANY. It is the intent of the parties that within 90 to
         120 days NLC will expeditiously provide to the Company audited
         financial statements and all other necessary documentation and
         information necessary to enable the Company to become a reporting
         public Company. Forthwith upon the receipt of the necessary information
         from NLC, the Company will promptly prepare, file and prosecute
         diligently to effectiveness a registration statement on Form 10 or Form
         10-SB to be filed with the Securities and Exchange Commission to
         register the Company's shares under the Securities Exchange Act of
         1934, as amended (the "1934 Act"). Once such registration statement is
         effective, the Company agrees to file on or before the date due all
         reports and other instruments which the Company is required to file
         pursuant to 1934 Act, so long as any Seller holds any Company shares.

<PAGE>

12.      ADJUSTMENTS IN COMPANY COMMON SHARES. In the event of changes in the
         outstanding shares of the Company by reason of stock dividends, stock
         splits, reverse stock splits, recapitalization, consolidations,
         combinations, exchanges of shares, separations, reorganizations,
         liquidations or any similar events having similar consequences, the
         number and class of shares as to which Agreement relates, including
         shares issuable upon exercise of stock options or performance shares,
         shall be correspondingly adjusted.

                                   ARTICLE II
              REPRESENTATION, WARRANTIES, AND AGREEMENTS OF COMPANY

The Company, intending the Sellers to rely thereon, represents, warrants and
agrees as follows:

1.       The Company is, as of the date of this Agreement, a validly existing
         corporation in good standing, duly organized pursuant to the laws of
         Nevada with all legal and corporate authority and power to conduct its
         business and to enter into the transactions contemplated by this
         Agreement.

2.       Pursuant to its Articles of Incorporation, as amended, the Company is
         authorized to issue 100,000,000 shares with par value of $0.001 per
         share, of which 5,123,000 shares are outstanding as of the date of this
         Agreement, all of which are validly issued, fully paid and
         non-assessable. The Company is not obligated to issue any other shares
         of any class of shares, other than pursuant to this Agreement.

3.       Any shares issued by the Company pursuant to this Agreement shall be
         duly authorized, validly issued, fully paid and non-assessable.

4.       The execution and delivery of this Agreement, the consummation of the
         transactions herein contemplated and compliance with the terms of this
         Agreement will not result in a breach of any of the terms or provisions
         of, or constitute a default under the Articles of Incorporation or
         Bylaws of the Company or any agreement to which the Company or any of
         its business subsidiaries is a party.

5.       The Company is not a party to any written or oral agreement, which
         obligates the Company to issue any shares, other than the issuance of
         shares to the Sellers pursuant to this Agreement. The Company is not a
         party to any agreement that affects the voting rights of any of the
         issued and outstanding shares of the Company

6.       The execution, delivery and performance of this Agreement and the
         transactions contemplated hereby do not require the consent, authority
         or approval of any other person or entity except such as have been
         obtained.

<PAGE>

7.       The corporate records of the Company are complete and correct and
         contain the Articles of Incorporation and Bylaws of the Company, as
         amended to date, and all minutes of meetings of directors and
         shareholders.

8.       The financial statements of the Company as at and for the year ended
         December 31, 1999 including notes thereto, fairly present the financial
         condition and results of operations of the Company and its consolidated
         subsidiaries, if any, at the dates and for the periods indicated and
         were prepared in accordance with generally accepted accounting
         principles consistently applied.

9.       Since December, 1999, the Company has had no operations and has
         incurred no liabilities or obligations except for nominal amounts of
         expenses associated with the administration of the affairs of an
         inactive Company.

10.      Since the date of the most recent Company consolidated balance, the
         Company has operated only in the ordinary course of business and has
         experienced no material adverse changes in their consolidated financial
         condition or results of operations.

11.      On the date hereof the Company has, and on the date of Closing, the
         Company will have no liabilities or obligations, absolute or contingent
         as specifically provided for in the balance sheet of the Company as of
         December 31, 1999 referred to in this Article II or as specifically
         identified on the notes thereto.

12.      The representations and warranties in this Agreement and in all other
         documents delivered to the Sellers by the Company were true and correct
         when delivered and shall be true and correct at the time of Closing.
         The representations and warranties made by the Company herein contain
         no untrue statements of material facts and do not omit to state a
         material fact necessary to make the statements contained herein not
         misleading.

                                   ARTICLE III
            REPRESENTATIONS, WARRATIES AND AGREEMENTS OF THE SELLERS

The Sellers intending the Company to rely thereon, represent, warrant and agree
as follows:

1.       NLC is, as of the date of this Agreement, a validly existing
         corporation in good standing, duly organized pursuant to the laws of
         British Columbia with all legal and corporate authority and power to
         conduct its business, to enter into the transactions contemplated by
         this Agreement and to beneficially and legally own the assets described
         in Schedule "A" attached hereto.

2.       Pursuant to its Articles of Incorporation, NLC is authorized to issue
         the shares which are now issued and are outstanding. There are no other
         authorized or outstanding securities of NLC or any class or of any kind
         or character, and there are no outstanding subscriptions, options,
         warrants, rights or other commitments obligating NLC to issue or sell
         any additional shares of NLC or any NLC securities convertible into any
         shares of NLC shares of any class.

<PAGE>

3.       The execution and delivery of this Agreement, the consummation of the
         transaction herein contemplated and compliance with the terms of this
         Agreement will not result in a breach of any of the terms or provisions
         of, or constitute a default under the Articles of Incorporation or
         Bylaws of NLC or any agreement to which NLC is a party.

4.       NLC is not a party to any written or oral agreement which obligates the
         Company to issue any shares or grant any right of first refusal or
         other arrangement to acquire any shares of NLC or to any agreement that
         affects the voting rights of any of the issued and outstanding NLC
         shares. NLC has not made any commitment as to issuance of any of its
         shares, by subscription, right of conversion, option or otherwise.

5.       The execution, delivery and performance of this Agreement and the
         transactions contemplated hereby do not require the consent, authority
         or approval of any other person or entity except such as have been
         obtained.

6.       The execution, delivery and performance of this Agreement by the
         Sellers and NLC has been authorized by all required corporate and other
         action and does not require any consents other than such as have been
         obtained.

7.       The NLC shares being acquired by the Company from the Sellers are duly
         and validly authorized, issued and outstanding and are fully paid and
         non-assessable. The Sellers are legal and beneficial owners of such
         shares, and there are no adverse claims, liens or encumbrances against
         such shares. There are no agreements among the Sellers or among the
         Sellers and any other individuals or entities which would adversely
         affect the consummation of transactions contemplated by this Agreement.

8.       The corporate records of NLC are complete and correct and contain the
         Articles of Incorporation and the Bylaws of the Company, as amended to
         date, and all minutes of meetings of directors and shareholders.

                           ARTICLE IV - MISCELLANEOUS

1.       WAIVER. Any condition to the performance of the Sellers or the Company
         which legally may be waived on or prior to the Closing Date may be
         waived at any time by the party entitled to the benefit therefore by an
         instrument in writing executed by the party or parties to be bound
         thereby. The failure of any party at any timer or times to require
         performance of any provision hereof shall in no manner affect the right
         of such party at a later time to enforce the same or any other
         provision of this Agreement. No waiver by any party of the breach of
         any term, covenant, representation or warranty contained in this
         Agreement as a condition to such party's obligations hereunder shall
         release or affect any liability resulting from such breach, and no
         waiver of any nature, whether by conduct or otherwise, in any one or
         more instances, shall be deemed to be or constructed as a further or
         continuing waiver of any such condition or of any breach of any other
         term, covenant, representation or warranty of this Agreement.

<PAGE>

                            ARTICLE V- MISCELLANEOUS

1.       ENTIRE AGREEMENT. This Agreement contains the final, complete and
         exclusive statement of the agreement between the parties with respect
         tot the transactions contemplated herein, and all prior or
         contemporaneous written or oral agreements or other communications with
         respect to the subject matter hereof are hereby superseded.

2.       AMENDMENTS. No change, amendment, qualification or cancellation hereof
         shall be effective unless in writing and duly executed by each party
         hereto.

3.       ASSIGNABILITY. This Agreement shall not be assignable by any of the
         parties hereto without the prior written consent of all of the other
         parties.

4.       BENEFITS AND BINDING EFFECT. This Agreement shall be binding on and
         shall inure to the benefit of the parties hereto and their respective
         permitted successors and assigns. This Agreement shall not confer any
         rights or benefits upon any person or entity other than the parties
         hereto and their respective permitted successors and assigns.

5.       NOTICES. All notices, requests and demands and other communications
         hereunder must be in writing and shall be deemed to have been duly and
         personally delivered; three business days after placed in the Canadian
         mail, registered or certified, return receipt requested, postage
         prepaid; one business day after delivered by Federal Express or other
         overnight delivery service of national standing; or when transmitted by
         telex or telescope, answer back received, and addressed to party to
         whom such notice is being given at the following addresses:

         If to the Company:                 #602  1228 Marinaside Crescent
                                            Vancouver, BC
                                            V6Z 2W4

         If to the Seller:                  5759 Westport Road
                                            West Vancouver, BC
                                            V7W 2X7

         Any party may change the address to which notices are being sent by
         giving notice of such change to the other party in accordance with this
         Section.

7.       CAPTIONS. The captions herein are for convenience of reference only and
         shall not be construed as part of this Agreement.

8.       EXHIBITS AND SCHEDULES. All of the recitals, exhibits and schedules
         hereto referred to in the Agreement are hereby incorporated herein by
         reference and shall be deemed and construed to be a part of this
         Agreement for all purposes. Disclosures made in the Schedules, or any
         part thereof, shall be deemed to be disclosures with respect to all
         representations and warranties made by disclosing party with respect to
         this Agreement.

<PAGE>

9.       SEVERABILITY. The invalidity of enforceability of any or more clauses
         or provisions of this Agreement shall not affect the validity or
         enforceability of the remaining portions of this Agreement or any part
         thereof. In the event any clause or provision of this Agreement shall
         be found to be invalid or unenforceable, it shall, if possible in
         effectuation the Intent of the parties hereto, be deemed to be modified
         to the minimum extend necessary to render it valid and enforceable.

10.      COUNTERPARTS/FACSIMILE. This Agreement may be executed in any number of
         counterparts, each of which will be deemed an original, but all of
         which together shall constitute one and the same instrument. The
         execution of this Agreement may be evident by the transmission of
         facsimile signatures with full binding effect.

11.      TIME. Time is of the essence.

12.      EFFECTIVE DATE. The parties hereto agree that the effective date of
         this Agreement shall be the 2nd day of February, 2000, even though one
         or more of the parties may execute this Agreement on a different date.

EXECUTED On the date stated below, with an effective date of February 2, 2000.

TRADER SECRETS.COM formerly CLEANWAY CORPORATION

/s/ Robert Harrison                         )
------------------------------------        )
Per:  Authorized Signatory                  )
                                            )
SELLERS                                     )
                                            )
/s/ Bob Fraser                              )
------------------------------------        )
Bob Fraser                                  )
                                            )
/s/ Bill Grossholz                          )
------------------------------------        )
Bill Grossholz                              )
                                            )
/s/ Kathryn Wilder                          )             /s/ Randy Baker
------------------------------------        )             ---------------------
Kathryn Wilder                              )             Randy Baker, Witness

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