Document:

10.5

                                ESCROW AGREEMENT

         ESCROW  AGREEMENT dated as of April 30, 2003,  among SOMMER & SCHNEIDER
LLP, a limited liability partnership,  as escrow agent ("Escrow Agent"),  HUMANA
TRANS  SERVICES  HOLDING CORP.,  its  subsidiaries,  affiliates,  successors and
assigns ("Corporate  Pledgor"),  a Delaware  corporation whose office address is
337 Glengarry Lane,  State College,  Pennsylvania  16801,  JAMES W. ZIMBLER,  an
individual  whose  principal  address  is 337  Glengarry  Lane,  State  College,
Pennsylvania 16801 ("Pledgor" and collectively with the Corporate  Pledgor,  the
"Pledgors")  and NATIONAL  MANAGEMENT  CONSULTING  INC., a Delaware  corporation
whose office address is 545 Madison Avenue,  6th Floor, New York, New York 10022
(the Pledgee").

         WHEREAS, Humana Trans Services Group, Ltd., a New York corporation (the
"Company")  is presently  engaged in the  business of  providing  transportation
related  services  to a range of  companies  and the  Company is a  wholly-owned
subsidiary of Pledgee; and

         WHEREAS, the Corporate Pledgor wishes to purchase all the shares of the
Company (the "Humana Shares") from Pledgee; and

         WHEREAS, the Pledgee desires to sell its Humana Shares to the Corporate
Pledgor  for a  purchase  price of  $255,000  and other  consideration  of which
$25,000  will be paid at the closing  and the balance of $230,000  shall be paid
pursuant to the terms of that certain secured promissory note (the "Note"); and

         WHEREAS,  the  Corporate  Pledgor and the Pledgor who is the  principal
officer  and  shareholder  of the  Corporate  Pledgor,  have  agreed  to  pledge
securities owned by each of them to the Pledgee to be held in escrow pursuant to
the terms of that certain  Pledge  Agreement  among the Corporate  Pledgor,  the
Pledgor and the Pledgee (the "Pledge  Agreement")  as security for the repayment
of the Note; and

         WHEREAS,  the Pledgor is presently  employed by the Company pursuant to
that certain employment agreement dated as of March 1, 2003 (the "JWZ Employment
Agreement") and presently owns 2,250,000 shares of common stock of Pledgee; and

         WHEREAS,  Pledgor will terminate the JWZ Employment  Agreement and will
return  1,750,000 shares of common stock of Pledgee owned by Pledgor to Pledgee,
waive  any  right  to  proceeds  of  shares  of  Pledgee  common  stock or other
securities  held by Michael Krome on JWZ or Sentry  Capital  Management,  Inc.'s
behalf, procure the release of Pledgee from any obligation to deliver any shares
of the Pledgee's common stock to Company employees (the "Settlement Agreement");
and

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         WHEREAS,  in  conjunction  with the  termination  of the JWZ Employment
Agreement,  the Pledgor will enter into a consulting  agreement with the Pledgee
to provide  introductions  on a non-exclusive  basis to Pledgee with regard to a
variety of potential corporate transactions with compensation to be set forth in
such  consulting   agreement  (the   "Consulting   Agreement")  (the  Settlement
Agreement,  Stock  Purchase  Agreement,  Pledge  Agreement,  Note and Consulting
Agreement shall be referred to collectively as the "Ancillary Agreements").

         NOW, THEREFORE,  for good and valuable consideration,  the adequacy and
receipt  of which are  hereby  acknowledged,  the  parties  do  hereby  agree as
follows;

         1.       DEFINITIONS.  All  capitalized  terms  not  otherwise  defined
                  herein shall have the meanings  ascribed to them in the Pledge
                  Agreement.

         2.       APPOINTMENT. The Escrow Agent shall act as the escrow agent as
                  set  forth  herein,  and as such  shall  receive,  acknowledge
                  receipt,  retain, release and deliver the Escrow Documents (as
                  defined in  Section  4(b)) on the  terms,  and  subject to the
                  conditions, set forth herein.

         3.       RIGHTS, DUTIES AND IMMUNITIES.

                    (a)  The duties and obligations of the Escrow Agent shall be
                         determined  solely by the  express  provisions  of this
                         Agreement.  The Escrow Agent shall not be liable except
                         for the  performance of such duties and  obligations as
                         are  specifically  set  out in this  Agreement  and the
                         Escrow Agent shall not be deemed to have any  knowledge
                         of,  or  responsibility  for,  the  terms of any  other
                         agreement, instrument or document.

                    (b)  The Escrow Agent shall not be responsible in any manner
                         whatsoever  for any failure or  inability  of any party
                         hereto, or of any one else, to deliver documents to the
                         Escrow   Agent  or   otherwise  to  honor  any  of  the
                         provisions of this Agreement or otherwise.

                    (c)  Except as provided in Section 7(b) below, the Corporate
                         Pledgor, the Pledgor and the Pledgee will indemnify the
                         Escrow  Agent  for,  and  defend  and hold it  harmless
                         against,  any loss, liability or expense (including but
                         not  limited  to  attorneys'  fees  and  disbursements)
                         arising out of or in connection with, its acceptance of
                         or the performance of its duties and obligations  under
                         or the  interpretation  of  this  Agreement;  provided,
                         however,  that  this  Section  3(c)  shall not apply to
                         losses,  liabilities  and  expenses  caused  by the bad
                         faith,  willful  misconduct or gross  negligence of the
                         Escrow Agent.

                    (d)  The Escrow  Agent  shall be  entitled  to rely upon any
                         judgment, certification,  demand, notice, instrument or
                         other writing  delivered to it hereunder  without being
                         required  to   determine   the   authenticity   or  the
                         correctness of any fact stated therein or the propriety
                         or validity or the service  thereof.  The Escrow  Agent
                         shall be fully  protected in acting on and relying upon
                         any  written  notice,   direction,   request,   waiver,
                         consent,  receipt or other paper or document  which the
                         Escrow Agent  believes to be genuine.  The Escrow Agent
                         may act in reliance upon any instrument or signature it
                         reasonably  believes to be genuine and the Escrow Agent
                         may  assume  that  any  person  purporting  to give any
                         advice or make any  statement  in  connection  with the
                         provisions hereof has been duly authorized to do so.
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                    (e)  The Escrow  Agent  shall not be liable for any error of
                         judgment,  or for any act done or step taken or omitted
                         by it in good faith, or for any mistake of fact or law,
                         or for  anything  which it may do or refrain from doing
                         in  connection  herewith,  except  its own  bad  faith,
                         willful misconduct or gross negligence.

                    (f)  The Escrow  Agent may seek the advice of legal  counsel
                         as to any  question  arising  from or  relating  to the
                         construction of any of the provisions of this Agreement
                         or its duties or  obligations  hereunder or  otherwise,
                         and it shall  incur  no  liability  and  shall be fully
                         protected  in respect of any action  taken,  omitted or
                         suffered  by it in good  faith in  accordance  with the
                         advice of such counsel.

                    (g)  The Escrow Agent does not make and will not be required
                         or deemed to make any representation as to the validity
                         or  genuineness  of any  agreement,  document  or other
                         instrument held by or delivered to it.

                    (h)  If a dispute  arises between one or more of the parties
                         hereto,  or between any of the  parties  hereto and any
                         person not a party  hereto,  as to whether or not or to
                         whom the Escrow  Agent shall  deliver any of the Escrow
                         Documents  or as to any other  matter  arising  from or
                         relating to the Escrow Documents or this Agreement, the
                         Escrow  Agent shall not be required to  determine  such
                         dispute  and need not make any  delivery  of any of the
                         Escrow  Documents,  but will  retain the same until the
                         rights of the parties to the dispute shall have finally
                         been determined by written  agreement among the parties
                         to the  dispute or by final  non-appealable  order of a
                         court of competent jurisdiction.  In the event that the
                         Escrow Agent has  received  notice of such order or any
                         such agreement, the Escrow Agent shall cause the Escrow
                         Documents  to be released and  delivered in  accordance
                         with such  agreement  or order and in  accordance  with
                         Section 5 below.

                    (i)  The Escrow  Agent  shall be  entitled to assume that no
                         dispute of the type  referred  to in  Section  3(h) has
                         arisen  unless it has  received a written  notice  that
                         such a dispute has arisen,  which written notice refers
                         specifically  to this  Agreement and identifies by name
                         and address the adverse claimants in such dispute.  Any
                         party  delivering  written notice of a dispute pursuant
                         to this  Section  3(i) shall  simultaneously  therewith
                         deliver a copy of such notice to all parties  hereto in
                         accordance with Section 10 hereof,  with such copies to
                         such persons as are specified therein.  For purposes of
                         this Section 3(i), the Escrow Agent shall not be deemed
                         to have received a written  notice until all parties to
                         this Agreement have received such written notice.  If a
                         dispute of the type referred to in Section 3(h) arises,
                         the Escrow Agent may, in its sole discretion (but shall
                         not be obligated to), commence  interpleader or similar
                         actions  or  proceedings  for   determination  of  such
                         dispute.

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         4.       DELIVERY TO ESCROW.

                  (a) Simultaneously herewith,  Corporate Pledgor will deposit a
                  certificate or certificates for 1000 shares of common stock of
                  the  Company,  []  shares of common  stock of  Dominix,  Inc.,
                  23,250 shares of series A preferred stock of CDKnet.com,  Inc.
                  plus an additional  11,500 shares of series A preferred  stock
                  of  CDKnet.com,  Inc.  which is already  held in escrow by the
                  Escrow  Agent and 500,000  shares of common  stock of Pledgee,
                  all  to  be   placed   in  escrow   with  the   Escrow   Agent
                  (collectively, the "Pledged Stock").

                  (b)  Simultaneously  herewith,  Corporate  Pledgor and Pledgor
                  will deliver to the Escrow  Agent stock powers in blank,  duly
                  executed  by  Corporate  Pledgor or  Pledgor,  relating to the
                  Pledged Stock,  with signatures  guaranteed by a national bank
                  or a member of the National  Association of Securities Dealers
                  (the "Stock Powers" and together with the Pledged  Stock,  the
                  "Escrow Documents").

         5.       RELEASE OF ESCROW.  The Escrow  Agent shall hold,  release and
                  deliver the Escrow Documents as follows:

                  (a)      If at any time,  Pledgee  shall give the Escrow Agent
                           notice of an Event of Default ("Default  Notice") and
                           does not receive an objection from Corporate  Pledgor
                           or Pledgor  within three  business days of the Escrow
                           Agent giving  Corporate  Pledgor or Pledgor notice of
                           its  receipt  of the  Default  Notice  in the  manner
                           contemplated  in Section 5(d), the Escrow Agent shall
                           transmit the Escrow Documents then in it's possession
                           to Pledgee with instructions to liquidate the Pledged
                           Stock as  provided  for in  Section  8 of the  Pledge
                           Agreement.

                  (b)      In the event  either  the  Corporate  Pledgor  or the
                           Pledgor  raises an objection to the release of any of
                           the Escrow Documents,  the Escrow Agent shall release
                           such  of  the   Escrow   Documents   as  are  not  in
                           controversy  and shall continue to hold the remaining
                           Escrow  Documents until it receives the joint written
                           instructions  of  Corporate   Pledgor,   Pledgor  and
                           Pledgee.

                    (c)  Any party delivering written instructions or objections
                         pursuant  to  Sections  5(a) or (b) above to the Escrow
                         Agent shall,  simultaneously therewith,  deliver a copy
                         of such  instructions  to all  other  parties  at their
                         respective  addresses  set forth in  Section  10 below,
                         with  such  copies  to such  persons  as are  specified
                         therein.  For purposes of Sections 5(a) or (b), written
                         instructions or objections  shall not be deemed to have
                         been  received by the Escrow Agent until such time as a
                         copy  thereof has been  received  by each party  hereto
                         other than the party delivering such  instructions.  In
                         addition, the Escrow Agent shall deliver a copy of each
                         such instructions and objections to the other parties.

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                    (d)  The  parties  hereby  agree  that  any  of  the  Escrow
                         Documents  as  are  undated  or  incomplete  shall,  if
                         necessary  when and if released from escrow  hereunder,
                         be dated as of the date of such  release  and  delivery
                         and/or  completed by the Escrow Agent,  and each of the
                         parties hereto hereby  appoints the Escrow Agent as its
                         attorney-in-fact   for  the   purpose   of  dating  and
                         completing such documents.

                    (e)  Upon  receipt of written  instructions  from all of the
                         Pledgor,  the Corporate Pledgor and the Pledgee stating
                         that the  principal  and interest on the Note have been
                         paid in full, the Escrow Agent shall promptly  transmit
                         the  Escrow  Documents  then in its  possession  to the
                         Corporate  Pledgor  and the  escrow  account  shall  be
                         terminated with no further action required by any party
                         hereto.

         6. SUCCESSOR ESCROW AGENT.

                    (a)  The Escrow Agent may, at any time,  resign as such with
                         or without the prior written consent of all the parties
                         hereto,  in  which  case  the  Escrow  Agent  (and  any
                         successor   escrow  agent)  shall  deliver  the  Escrow
                         Documents  to  any   successor   escrow  agent  jointly
                         designated by Corporate Pledgor, Pledgor and Pledgee in
                         writing,  or to any  court of  competent  jurisdiction,
                         whereupon  the Escrow Agent shall be  discharged of and
                         from any and all further duties and obligations arising
                         in connection with this  Agreement.  The resignation of
                         the Escrow  Agent  shall take  effect on the earlier of
                         (i) the  appointment  of a successor  escrow agent,  or
                         (ii)  the day  which is 30 days  after  the date of the
                         delivery  of the  Escrow  Documents  and a copy of this
                         Agreement  to any court of competent  jurisdiction.  In
                         the event that a  successor  escrow  agent has not been
                         appointed at the expiration of such 30-day period,  the
                         Escrow Agent's sole  responsibilities  hereunder  shall
                         be:  (i) to  maintain  the  safekeeping  of the  Escrow
                         Documents  and  any  other  documents  delivered  to it
                         hereunder,  if any, and (ii) to release and deliver the
                         Escrow  Documents and any such  documents in accordance
                         with Section 5 of this Agreement.

                    (b)  If the Escrow Agent receives a written notice signed by
                         Corporate  Pledgor,  Pledgor,  and Pledgee stating that
                         they have selected a successor escrow agent, the Escrow
                         Agent shall deliver the Escrow Documents (and any other
                         documents  then  held by it  hereunder,  if any) to the
                         successor  escrow agent named in the  aforesaid  notice
                         within 15 days after receipt of such written notice.

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         7. FEES AND COSTS OF THE ESCROW AGENT.

                    (a)  The Escrow Agent shall be entitled to the reimbursement
                         of any reasonable  expenses  (including but not limited
                         to attorneys' fee and disbursements)  actually incurred
                         by it in  the  performance  of  its  duties  hereunder.
                         Without limiting any other provision of this Agreement,
                         the  amount  of such  reimbursements  will be  borne by
                         Pledgor, except as provided in paragraph 7(b) below.

                    (b)  Notwithstanding  any provision in this Agreement to the
                         contrary,  if Corporate Pledgor,  Pledgor or Pledgee is
                         determined  to be in breach of or default  under any of
                         the  provisions  hereof,  or has been  determined  by a
                         court of competent  jurisdiction  to have delivered any
                         written  notice  or   instructions   in  bad  faith  or
                         containing  untrue  statements,  then such party  shall
                         bear:  (i) all the costs  and  expenses  of the  Escrow
                         Agent required to be paid by any party  hereunder,  and
                         (ii) all costs and expenses  (including but not limited
                         to attorneys' fees and disbursements)  incurred by each
                         other party as a result of, or in connection with, such
                         breach,  default  or  dispute,  or  written  notice  or
                         instruction;  provided,  however,  that  the  foregoing
                         shall  not  affect  the  Escrow  Agent's  right to seek
                         payment from any party hereunder.

         8.       VOTING RIGHTS AND/OR DIVIDENDS.  Notwithstanding any provision
                  to the  contrary in this  Agreement or  elsewhere,  during the
                  time that the  Pledged  Stock is held in escrow by the  Escrow
                  Agent in accordance with this Agreement,  Corporate Pledgor or
                  Pledgor,  as the  case  may be or  their  designees  shall  be
                  entitled  to  exercise   any  and  all  voting   and/or  other
                  consensual rights accruing to the owner thereof and to receive
                  all dividends and other distributions made thereupon.

         9.       CONSTRUCTION.   This  Agreement   shall  be  governed  by  and
                  construed  and  enforced  in  accordance  with the laws of the
                  State of New York,  without regard to such State's  principles
                  of conflicts of law.

         10.      NOTICES. All notices, demands, requests, consents,  approvals,
                  reports or other  communications  required or  permitted to be
                  given  pursuant to this  Agreement  shall be in writing and if
                  such notice is given pursuant to Section 5 hereof, such notice
                  shall be  accompanied  by an affidavit of service and shall be
                  delivered to the following addresses (or such other address as
                  the recipient party may hereafter specify in the same manner):

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        To Pledgee:                     National Management Consultants, Inc.
                                        545 Madison Avenue, 6th Floor
                                        New York, New York   10022
                                        Steven A. Horowitz, President
        Facsimile:                      (212) 755-6660

        With a Copy To:                 Moritt Hock Hamroff & Horowitz LLP
                                        400 Garden City Plaza, Suite 202
                                        Garden City, New York  11530
        Facsimile:                      (516) 873-2010

        To Corporate Pledgor and
        Pledgor:                        James W. Zimbler
                                        337 Glengarry Lane
                                        State College, Pa. 16801
        Facsimile:                      (814) 238-2337

        To Escrow Agent:                Sommer & Schneider LLP
                                        595 Stewart Avenue, Suite 710
                                        Garden City, NY  11530
                                        Attn:  Herbert H. Sommer
        Facsimile:                      (516) 228-8211

         Except as otherwise provided in Sections 3(i) and 5(c) hereof, all such
instructions,  objections, notices, requests, consents and other communications,
if sent via facsimile shall be deemed to have been given when received,  if sent
by  overnight  courier  shall be deemed to have been given one (1)  business day
after deposit with such overnight  courier and if sent via U.S.  mail,  shall be
deemed to have been given three (3) business days after deposit in a U.S. postal
depository, certified mail, return receipt requested.

         11. SOMMER & SCHNEIDER LLP.

                  (a)      Each party  acknowledges  that Sommer & Schneider LLP
                           has acted as legal counsel to and  representative  of
                           Pledgee and its respective affiliates and the Company
                           in  the  past  (including,   without  limitation,  in
                           connection  with the  Settlement  Agreement and other
                           related  transactions),  and agrees that such counsel
                           and  representation  do not and will not constitute a
                           grounds for disqualifying Sommer & Schneider LLP from
                           acting as Escrow Agent hereunder.
                  (b)      Notwithstanding   anything  to   contrary   contained
                           herein,  it is  expressly  understood  by the parties
                           hereto that the Escrow Agent,  in that  capacity,  at
                           any time that it is  required  or  permitted  to seek
                           legal  counsel  under this  Agreement,  may seek such
                           legal  counsel from Sommer & Schneider  LLP, and that
                           Pledgor will be liable (as provided in Sections 3(c),
                           7(a) and  7(b)) to  Sommer  &  Schneider  LLP for any
                           services  performed and billed to the Escrow Agent by
                           at its  customary  hourly  rates  and all of Sommer &
                           Schneider LLP  disbursements  in connection  with the
                           provision of such services.

         12.      HEADINGS.  The headings of the sections of this  Agreement are
                  inserted as a matter of convenience and for reference purposes
                  only,  are of no binding  effect,  and in no  respect  define,
                  limit or describe  the scope of this  Agreement or the instant
                  of any section.

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         13.      COUNTERPARTS.  This  Agreement  may be signed in any number of
                  counterparts with the same effect as if the signatures to each
                  were upon the same instrument.

         14.      ENTIRE  AGREEMENT.   This  Agreement   represents  the  entire
                  understanding  and agreement  between the parties with respect
                  to  the   subject   matter   hereof,   supersedes   all  prior
                  negotiations   between  the  parties,   and  can  be  amended,
                  modified,  supplemented,  extended, terminated,  discharged or
                  changed only by an agreement in writing  which makes  specific
                  reference  to  this  Agreement  and  which  is  signed  by all
                  parties.

         15.      SUCCESSORS AND ASSIGNS.  This Agreement  shall be binding upon
                  and  inure  solely to the  benefit  of the  parties  and their
                  respective  permitted  successors and assigns and shall not be
                  enforceable  by or create or  evidence  any right of any third
                  party.

                  Pledgee shall be entitled to assign this Escrow  Agreement and
                  all  of  its  rights,  privileges,   interests,  and  remedies
                  hereunder  to  any  other  person,   firm,  entity,  bank,  or
                  corporation  whatsoever  without  notice to or  consent by the
                  Corporate  Pledgor or the Pledgor and such  assignee  shall be
                  entitled  to the  benefits  of this  Escrow  Agreement  and to
                  exercise all such rights,  interests, and remedies as fully as
                  Pledgee.  Corporate  Pledgor  and  Pledgor may not assign this
                  Escrow  Agreement  without the express  written consent of the
                  Pledgee which may be withheld in its sole discretion.

         16.      SEVERABILITY.     Any provision of this  Agreement that may
                  be  determined  by a court of competent  jurisdiction  to be
                  prohibited or unenforceable in any jurisdiction shall, as to
                  such  jurisdiction,  be  ineffective  to the  extent of such
                  prohibition or  unenforceability  without  invalidating  the
                  remaining  provisions  hereof,  and any such  prohibition or
                  unenforceability in any jurisdiction shall not invalidate or
                  render   unenforceable   such   provision   in   any   other
                  jurisdiction. It is expressly understood,  however, that the
                  parties intend each and every provision of this Agreement to
                  be valid and  enforceable  and  hereby  knowingly  waive all
                  rights to object to any provision of this Agreement.

         17.      FURTHER  ASSURANCES.  Each of the parties agrees that it shall
                  use its good faith efforts to take, or cause to be taken,  all
                  action and to do, or cause to be done, all things necessary to
                  consummate and make effective this Agreement.

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                      [SIGNATURE PAGE TO ESCROW AGREEMENT]

         IN WITNESS WHEREOF, the parties have caused this Escrow Agreement to be
executed as of the date first above written.

                                     SOMMER & SCHNEIDER LLP
                                     As Escrow Agent

                                     By:______________________________
                                                Herbert H. Sommer, Partner

                                     NATIONAL
                                     MANAGEMENT  CONSULTANTS, INC.

                                     By:  _______________________________
                                     Name:  Steven A. Horowitz
                                     Title:    President

                                     HUMANA TRANS SERVICES HOLDING CORP.

                                     By:________________________________
                                     Name:  James W. Zimbler
                                     Title:    Chairman and President

                                     JAMES W. ZIMBLER

                                     -----------------------------------

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EXHIBIT 10.1
                               ADVISORY AGREEMENT

                  Agreement (the "Agreement") dated as of April 22, 2003, by and
between Hy-Tech  Technologies  Group,  Inc. and its  subsidiaries,  (hereinafter
referred to as the  "Company"),  the Gary F. McNear  Revocable Trust dated March
17, 1998 ("Gary  Trust"),  Susan M. McNear  Revocable Trust dated March 17, 1998
("Susan Trust"),  Craig W. Conklin  Revocable Trust dated April 19, 2000 ("Craig
Trust"),  Margaret L. Conklin  Revocable  Trust dated April 19, 2000  ("Margaret
Trust") and Altos Bancorp Inc., (hereinafter referred to as the "Advisor.")

                              W I T N E S S E T H:

                  WHEREAS,  the  Company  desires to retain the  Advisor and the
Advisor  desires  to be  retained  by the  Company  pursuant  to the  terms  and
conditions hereinafter set forth:

                  NOW,  THEREFORE,  in  consideration  of the  foregoing and the
mutual promises and covenants herein contained, it is hereby agreed as follows:

                  SECTION 1.  RETENTION.

                  (a) The Company  hereby  retains  the Advisor on an  exclusive
basis to perform the  services  set forth in Section 1 (b) below  during the one
(1) year period,  which shall be renewable upon written agreement of the parties
for additional  six-month  periods (the initial one-year period and any renewals
thereof,  the "Term"),  commencing  on the date hereof,  and the Advisor  hereby
accepts such  retention and shall  perform for the Company the duties  described
herein,  faithfully and to the best of its ability. During the Term, the Advisor
shall report  directly to the  President of the Company or the  President of the
Company shall designate another senior officer.

                  (b) The  Advisor  shall  serve as a  business  advisor  to the
Company and render such advice and services to the Company as may be  reasonably
requested  by the Company  including,  without  limitation,  equity  and/or debt
financings,   strategic  planning,  merger  and  acquisition  possibilities  and
business development activities including, without limitation, the following:

                           (i) study and review of the business, operations, and
historical  financial  performance  of  the  Company  (based  upon  management's
forecast of financial performance) so as to enable the Advisor to provide advice
to the Company;

                           (ii) assist the Company in  attempting  to  formulate
the best strategy to meet the  Company's  working  capital and capital  resource
needs;

                           (iii)  assist  in the  formulation  of the  terms and
structure of any reasonable proposed business combination  transaction involving
the Company;

                           (iv)  assist  in the  presentation  to the  Board  of
Directors of the Company of any proposed transaction;

<PAGE>

                           (v) advise the  Company in the  preparation  of press
releases and other communications with the financial and investment communities;

                           (vi)  assist the  Company in its  efforts to have its
securities  listed on a  nationally  listed  stock  exchange  by  analyzing  the
quantitative and qualitative requirements as required by any exchange, including
but  not  limited  to (A)  net  tangible  assets  or  market  capitalization  or
shareholders  equity or net income,  (B) public  float of the  Company's  common
stock,  (C)   market-makers,   (D)   shareholders,   (E)  corporate   governance
requirements,  (F) independent directors,  (G) audit and compensation committees
and (H) assist, where necessary, in an effort to enable the Company to obtain an
exchange  listing  and  to  be  in a  position  to  remain  continuously  listed
thereafter; and

                           (vii)  introduce the Company to potential  lenders of
funds as well as to potential  investors (whether such investment is in the form
of debt and/or equity financing or some combination thereof).

                   SECTION 2.       COMPENSATION.

                  (a) If the Advisor  introduces  the Company to any provider of
an equity  financing  (the "Equity  Financing")  which the Company  closes,  the
Company shall pay the Advisor a fee consisting of (i) cash in an amount equal to
ten percent (10%) of the total gross cash  proceeds of the Equity  Financing and
(ii) warrants to purchase  such number of shares of the  Company's  common stock
(the  "Common  Stock")  as shall  equal ten  percent  (10%) of the shares of the
Common  Stock  issued or to be issued  upon  conversion  and/or  exercise in the
Equity Financing on a post-financing,  fully-diluted  basis at an exercise price
of $0.01 per share and  exercisable,  in whole or in part,  during  the five (5)
year period  commencing  on the issuance  date of such  warrants  (the  "Warrant
Fee"). The Warrant Fee, at the option of the Advisor, may be paid for in cash or
by an exchange as a "cashless exercise."

                  (b)  If the  Advisor  introduces  the  Company  to any  merger
candidate  or  facilitates  a merger or  acquisition  with a public  or  private
company (the  "Merger"),  which the Company  closes,  the Company  shall pay the
Advisor a fee  consisting of (i) cash in an amount equal to ten percent (10%) of
the total gross cash  proceeds of the Merger and (ii) a Warrant Fee equal to ten
percent  (10%) of the shares of the  Common  Stock  issued or to be issued  upon
conversion  and/or  exercise  in the Merger on a  post-financing,  fully-diluted
basis. The Warrant Fee, at the option of the Advisor, may be paid for in cash or
by an  exchange as a  "cashless  exercise."  In the event the Company is not the
surviving  entity of the  Merger,  then the  Warrant  Fee  shall be  issued  and
convertible into the common stock of such surviving entity.
                  .
                  (c)  If  the  Advisor   introduces   the  Company  to  sources
(individually,  the "Advisor  Source") who provide any of the following  capital
related  instruments for the Company (each a  "Transaction"),  the Company shall
pay the  Advisor a cash fee at  closing  based  upon the total face value of the
Transaction in accordance with the following  schedule:  (i) six percent (6%) of
any debt financing;  (ii) three percent (3%) of any revolving credit line; (iii)
two percent (2%) of any credit enhancement  instrument,  including on an insured

                                       2

Advisor Initial:________                             Company Initial:_______

<PAGE>

or  guaranteed  basis;  and (iv)  ten  percent  (10%)  of any  revenue-producing
contract,  fee-sharing arrangement,  or similar agreement. This obligation shall
survive  for a  period  of two (2)  years  from  the  date of  execution  of the
agreement for each Transaction.

                  (d)  In  the  event  an  Advisor  Source  provides  an  Equity
Financing  and/or a Transaction to satisfy the Company's  obligation to SunTrust
Bank,  as defined  herein,  then upon the  closing of such event (i) the Company
agrees to grant to Advisor option to purchase Ten Million (10,000,000) shares of
the Common Stock  currently  owned by the persons  listed in Schedule B attached
hereto (the "SunTrust  Option Fee") in addition to all compensation set forth in
Section 2 (a) and (b); and (ii) the persons listed in Schedule B attached hereto
agree to grant a proxy on all of the shares of Common Stock which appear next to
their respective names to the Advisor.  The SunTrust Option Fee shall be paid in
accordance  with all the  terms and  conditions  of a  Warrant  Fee as  provided
herein,  including  but  not  limited  to  registration  rights  on  the  Shares
underlying  the  SunTrust  Option Fee. The  SunTrust  obligation  will be deemed
satisfied for the purposes of this Agreement upon the execution of any financing
mechanism that combines the actual  payment of funds with any "firm  commitment"
from an  institutional  fund for a "PIPE",  or similar  type  investment,  which
includes the satisfaction of the Company's  written  settlement with SunTrust on
matters relating to the Company,  Hy-Tech Computer Systems,  Inc, Gary F. McNear
and Craig W.  Conklin.  The Advisor will have the right to exercise the SunTrust
Option Fee at anytime from and after the satisfaction of the SunTrust obligation
as provided for herein.

                  (e)  Each  Advisor  Source  introduced  to the  Company  under
Section  2 (c) on the date of this  Agreement  shall be  listed  in  Schedule  A
annexed hereto and made a part hereof.  Subsequent to the date of this Agreement
and  immediately  upon the Advisor's  introduction  of an Advisor  Source to the
Company,  the Advisor shall amend Schedule A to include each additional  Advisor
Source and deliver such  amended  Schedule A to the Company and the Escrow Agent
within ten (10) days of such introduction.

                  (f) The Company shall pay to the Advisor a retainer fee in the
amount of Thirty Thousand Dollars  ($30,000).  Ten Thousand Dollars ($10,000) to
be paid upon the  release by  SunTrust  Bank of  garnishments  of the  Company's
checking  accounts,  and Twenty Thousand  dollars  ($20,000) to be paid when the
Company closes a working capital loan, or equity  financing in an amount greater
than Eight Hundred  Thousand  ($800,000).  The Retainer Fee shall be paid to the
Advisor by the Company in  certified  funds or by wire  transfer of  immediately
available funds to the accounts designated by the Advisor.

                  (g) Except as otherwise provided for herein:

                  (i)  All  fees  due to the  Advisor  hereunder  shall  have no
offsets,  are non-refundable,  non-cancelable and shall be free and clear of any
and all encumbrances.

                           (ii) All cash fees due the Advisor hereunder shall be
paid to the Advisor  immediately upon closing of any Equity  Financing,  Merger,
and  Transaction  (collectively,  the "Fee  Transaction")  by wire  transfer  of
immediately  available  funds from the proceeds of the Fee  Transaction,  either
directly or from the formal or informal escrow  arrangement  established for the
Fee Transaction  (collectively,  the "Closing  Agent"),  pursuant to the written
wire transfer instructions of the Advisor to the Closing Agent.

                                       3

Advisor Initial:________                             Company Initial:_______

<PAGE>

                           (iii) All securities  fees due the Advisor  hereunder
shall be made via DTC or the  DWAC  system,  or by  certified  certificates,  as
applicable,  and  shall be  delivered  to the  Advisor  from the  Closing  Agent
immediately upon closing of any Fee Transaction.

                           (iv) All  securities  fees due the Advisor  hereunder
shall  be duly  issued,  fully-paid  (exclusive  of  warrants  or  options)  and
non-assessable and shall be in the same form, with the same terms and conditions
as the securities provided to the Company pursuant to any Fee Transaction.

                           (v) All fees due the Advisor  hereunder shall be paid
in shares of the Common Stock and warrants  and/or options to purchase shares of
the Common Stock (collectively,  the "Registerable Stock") shall be duly issued,
fully-paid (exclusive of warrants or options),  non-assessable.  Notwithstanding
anything  otherwise  contained herein,  the Company agrees that it shall provide
piggyback registration rights and register the Registerable Stock, on Form SB-2,
S-3, S-4 or similar  registration  statement and in compliance  with any and all
federal  and state  securities  laws,  in the  name(s) of and to the  account(s)
designated by the Advisor.  The Company agrees to pay all costs  associated with
registering the Registerable Stock for resale.

                  (h) The Company  authorizes  and directs the Closing  Agent to
distribute  directly or from escrow any and all fees due the Advisor  hereunder.
The  Company  agrees  that such fees and the manner of payment  and  delivery as
herein provided shall be included in the documentation of any Fee Transaction.

                  SECTION 3. EXPENSES.  The Company shall  reimburse the Advisor
for all  out-of-pocket  expenses  incurred by the Advisor in connection with its
duties  hereunder,  including  but not limited to the  Advisor's  due  diligence
activities  with respect to the Company.  Any such  expenses  shall  require the
prior  written  approval  of the  Company  and  shall be  evidenced  by  written
documentation  prior  to  reimbursement.  Reimbursement  by the  Company  to the
Advisor will be made within  thirty (30) days of the  Company's  receipt of said
documentation.

                  SECTION  4.  TERMINATION  FEE.  Provided  that the  Advisor is
proceeding  in good faith at all times,  the Company  warrants  that it will not
terminate this Agreement for any reason unless such termination is made pursuant
to Section 5 of this  Agreement.  The  Company  also  warrants  that it will not
terminate,  cancel or rescind any  agreements,  term sheets or letters of intent
pursuant to any Equity Financing,  Merger,  Transaction or Other Transaction the
Company enters into that was facilitated by the Advisor unless such cancellation
is made pursuant to pertinent "out clauses" of those respective documents ("Just
Cause"). In the event the Company elects not to proceed with a Equity Financing,
Merger,  Transaction or Other  Transaction  that was  facilitated by the Advisor
without  just  cause,  the  Company  shall  immediately  pay  to the  Advisor  a
termination  fee equal to fifty  percent (50%) of the total fees that would have
been paid to the Advisor had the transaction been effected.

                                       4

Advisor Initial:________                             Company Initial:_______

<PAGE>

                  SECTION  5.  TERMINATION.  This  Agreement  and the  Advisor's
engagement  hereunder shall not be terminated by Company under any circumstances
nor for any reason  whatsoever,  unless all compensation due to Advisor pursuant
to Section 2 above has been distributed to the Advisor from the Closing Agent.

                  SECTION 6. CONFIDENTIAL  INFORMATION.  The Advisor agrees that
during and after the Term,  it will keep in strictest  confidence,  and will not
disclose or make  accessible to any other person without the written  consent of
the Company, the Company's products,  services and technology,  both current and
under development,  promotion and marketing  programs,  lists, trade secrets and
other confidential and proprietary business information of the Company or any of
its  clients  and  third  parties  including,  without  limitation,  Proprietary
Information  (as  defined in Section 7) (all of the  foregoing  is  referred  to
herein as the "Confidential Information"). The Advisor agrees (a) not to use any
such  Confidential  Information  for himself or others;  and (b) not to take any
such material or reproductions thereof from the Company's facilities at any time
during the Term  except,  in each  case,  as  required  in  connection  with the
Advisor's duties hereunder.

                  Notwithstanding  the  foregoing,  the  parties  agree that the
Advisor is free to use (a) information in the public domain not as a result of a
breach of this Agreement,  (b) information  lawfully received form a third party
who had the  right  to  disclose  such  information  and (c) the  Advisor's  own
independent skill, knowledge,  know-how and experience to whatever extent and in
whatever way he wishes,  in each case  consistent  with his  obligations  as the
Advisor and that,  at all times,  the  Advisor is free to conduct  any  research
relating to the Company's business.

                  SECTION 7. OWNERSHIP OF PROPRIETARY  INFORMATION.  The Advisor
agrees that all  information  that has been created,  discovered or developed by
the Company, its subsidiaries,  affiliates,  licensors, licensees, successors or
assigns  (collectively,   the  "Affiliates")  (including,   without  limitation,
information  relating to the  development  of the  Company's  business  created,
discovered,  developed by the Company or any of its affiliates  during the Term,
and information relating to the Company's customers,  suppliers,  advisors,  and
licensees)  and/or in which  property  rights have been  assigned  or  otherwise
conveyed to the  Company or the  Affiliates,  shall be the sole  property of the
Company or the Affiliates, as applicable,  and the Company or the Affiliates, as
the case may be,  shall be the sole owner of all patents,  copyrights  and other
rights in connection  therewith,  including without limitation the right to make
application  for statutory  protection.  All the  aforementioned  information is
hereinafter called  "Proprietary  Information." By way of illustration,  but not
limitation,   Proprietary   Information   includes  trade  secrets,   processes,
discoveries,  structures,  inventions,  designs,  ideas,  works  of  authorship,
copyrightable works, trademarks, copyrights, formulas, improvements, inventions,
product concepts,  techniques,  marketing plans, merger and acquisition targets,
strategies,  forecasts, blueprints, sketches, records, notes, devices, drawings,
customer    lists,    patent    applications,     continuation     applications,
continuation-in-part  applications,  file wrapper continuation  applications and
divisional  applications  and information  about the Company's  Affiliates,  its
employees and/or advisors (including,  without limitation, the compensation, job
responsibility and job performance of such employees and/or advisors).

                  All original  content,  proprietary  information,  trademarks,
copyrights,  patents or other intellectual  property created by the Advisor that
does not include any specific information relative to the Company's  proprietary
information, shall be the sole and exclusive property of the Advisor.

                                       5

Advisor Initial:________                             Company Initial:_______

<PAGE>

                  SECTION 8.  INDEMNIFICATION.  The Company  represents that all
materials provided or to be provided to the Advisor or any third party regarding
the  Company's  financial  affairs or  operations  are and shall be truthful and
accurate  and in  compliance  with  any and all  applicable  federal  and  state
securities  laws.  The Company agrees to indemnify and hold harmless the Advisor
and its  advisors,  professionals  and  affiliates,  the  respective  directors,
officers,  partners,  members,  managers,  agents and  employees  and each other
person,  if any,  controlling  the Advisor or any of its  affiliates to the full
extent lawful,  from and against all losses,  claims,  damages,  liabilities and
expenses   incurred  by  them   (including   reasonable   attorneys'   fees  and
disbursements)  that result from actions taken or omitted to be taken (including
any untrue  statements made or any statement omitted to be made) by the Company,
its agents or  employees  which  relate to the scope of this  Agreement  and the
performance of the services by the Advisor contemplated  hereunder.  The Advisor
will  indemnify  and hold  harmless  the Company and the  respective  directors,
officers,  agents,  affiliates and employees of the Company from and against all
losses,  claims  damages,  liabilities  and expenses that result from bad faith,
gross negligence or unauthorized  representations of the Advisor. Each person or
entity seeking  indemnification  hereunder shall promptly notify the Company, or
the Advisor, as applicable,  of any loss, claim, damage or expense for which the
Company or the  Advisor,  as  applicable,  may become  liable  pursuant  to this
Section 8. No party shall pay,  settle or acknowledge  liability  under any such
claim without consent of the party liable for indemnification,  and shall permit
the Company or the Advisor, as applicable,  a reasonable opportunity to cure any
underlying problem or to mitigate actual or potential damages. The scope of this
indemnification  between the  Advisor  and the Company  shall be limited to, and
pertain only to certain  transactions  contemplated  or entered into pursuant to
this Agreement.

                  The  Company or the  Advisor,  as  applicable,  shall have the
opportunity to defend any claim for which it may be liable  hereunder,  provided
it notifies the party  claiming the right to  indemnification  in writing within
fifteen (15) days of notice of the claim.

                  The  rights  stated  pursuant  to this  Section  8 shall be in
addition  to any rights  that the  Advisor,  the  Company,  or any other  person
entitled to indemnification may have in common law or otherwise,  including, but
not limited to, any right to contribution.

                  SECTION 9. NOTICES.  Any notice or other  communication  under
this Agreement  shall be in writing and shall be deemed to have been duly given:
(a) upon facsimile transmission (with written transmission  confirmation report)
at the number  designated below; (b) when delivered  personally  against receipt
therefore;  (c) one day after being sent by Federal Express or similar overnight
delivery;  or (d) five (5)  business  days  after  being  mailed  registered  or
certified mail, postage prepaid.  The addresses for such communications shall be
as set forth  below or to such  other  address  as a party  shall give by notice
hereunder to the other party to this Agreement.

       If to the Company:        Hy-Tech Technologies Group, Inc.
                                 1840 Boy Scout Dr.
                                 Fort Meyers, FL 33907
                                 Telephone:        (239) 278-4111
                                 Facsimile:        (239) 278-4691
                                 Attention: Mr. Gary F. McNear, CEO

                                       6
Advisor Initial:________                             Company Initial:_______

<PAGE>

       If to the Advisor:        Altos Bancorp, Inc.
                                 101 First St., PMB 493
                                 Los Altos, CA  94022
                                 Telephone:        (650) 941-6726
                                 Facsimile:        (801) 681-3117
                                 Attention:  Mr. Martin Nielson, CEO

       With copies to:           Kaplan Gottbetter & Levenson, LLP
                                 630 Third Avenue
                                 New York, NY 10017
                                 Telephone:        (212) 983-6900
                                 Facsimile:        (212) 983-9210
                                 Attention:  Mr. Adam S. Gottbetter

       With copies to:           Maximum Ventures, Inc.
                                 1175 Walt Whitman Road, Suite 100
                                 Melville, New York  11747
                                 Telephone:  (631) 424-9009
                                 Telecopy:  (631) 424-9010
                                 Attention: Mr. Abraham "Avi" Mirman, President

                  SECTION 10. STATUS OF ADVISOR.  The Advisor shall be deemed to
be an independent  contractor and, except as expressly provided or authorized in
this Agreement, shall have no authority to act for on behalf of or represent the
Company. This Agreement does not create a partnership or joint venture.

                  SECTION  11.  OTHER   ACTIVITIES   OF  ADVISOR.   The  Company
recognizes  that the Advisor now  renders and may  continue to render  financial
consulting and other investment  banking services to other companies that may or
may not conduct  business and  activities  similar to those of the Company.  The
Advisor  shall not be  required  to devote  its full time and  attention  to the
performance of its duties under this Agreement, but shall devote only so much of
its time and attention as it deems reasonable or necessary for such purposes.

                  SECTION 12. SUCCESSORS AND ASSIGNS.  This Agreement and all of
the  provisions  hereof  shall be binding  upon and inure to the  benefit of the
parties  hereto and their  respective  successors  and permitted  assigns.  This
Agreement  and any of the rights,  interests  or  obligations  hereunder  may be
assigned by the Advisor without the prior written  consent of the Company.  This
Agreement and any of the rights,  interests or obligations  hereunder may not be
assigned by the Company without the prior written consent of the Advisor,  which
consent shall not be unreasonably withheld.

                  SECTION 13.  SEVERABILITY  OF PROVISIONS.  If any provision of
this  Agreement  shall be declared by a court of  competent  jurisdiction  to be
invalid,  illegal  or  incapable  of being  enforced  in  whole or in part,  the
remaining  conditions  and  provisions or portions  thereof  shall  nevertheless
remain in full force and effect and  enforceable  to the extent  they are valid,
legal and enforceable, and no provision shall be deemed dependent upon any other
covenant or provision unless so expressed herein.

                                       7

Advisor Initial:________                             Company Initial:_______

<PAGE>

                  SECTION 14. ENTIRE AGREEMENT; MODIFICATION. This Agreement and
the schedule hereto contains the entire agreement of the parties relating to the
subject  matter  hereof,  and  the  parties  hereto  and  thereto  have  made no
agreements, representations or warranties relating to the subject matter of this
Agreement  which are not set forth herein.  No amendment or modification of this
Agreement  shall be valid  unless  made in  writing  and  signed  by each of the
parties hereto.

                  SECTION  15.  NON-WAIVER.  The  failure of any party to insist
upon the strict  performance  of any of the terms,  conditions and provisions of
this Agreement  shall not be construed as a waiver or  relinquishment  of future
compliance therewith,  and said terms, conditions and provisions shall remain in
full force and effect.  No waiver of any term or condition of this  Agreement on
the part of any party shall be effective for any purpose  whatsoever unless such
waiver is in writing and signed by such party.

                  SECTION  16.  REMEDIES  FOR  BREACH.  The  Advisor and Company
mutually  agree  that  any  breach  of  Sections  2,  4, 5, 6, 7, 8 or 9 of this
Agreement  by the  Advisor or the Company  may cause  irreparable  damage to the
other party and/or their  affiliates,  and that monetary damages alone would not
be adequate  and,  in the event of such breach or threat of breach,  the damaged
party  shall have,  in  addition to any and all  remedies at law and without the
posting  of a bond or  other  security,  the  right to an  injunction,  specific
performance  or other  equitable  relief  necessary  to prevent  or redress  the
violation of either party's  obligations under such Sections.  In the event that
an actual  proceeding  is  brought  in  equity to  enforce  such  Sections,  the
offending  party shall not urge as a defense that there is an adequate remedy at
law nor shall the damaged  party be prevented  from  seeking any other  remedies
that may be available to it. The defaulting  party shall pay all attorney's fees
and costs incurred by the other party in enforcing this Agreement.

                  SECTION 17. GOVERNING LAW. The parties hereto acknowledge that
the  transactions  contemplated by this Agreement bear a reasonable  relation to
the state of New York.  This  Agreement  shall be governed by, and construed and
interpreted  in  accordance  with,  the  internal  laws of the state of New York
without  regard to such state's  principles  of  conflicts of laws.  The parties
irrevocably and  unconditionally  agree that the exclusive place of jurisdiction
for any action, suit or proceeding  ("Actions") relating to this Agreement shall
be in the state  and/or  federal  courts  situate in the county and state of New
York.  Each party  irrevocably and  unconditionally  waives any objection it may
have to the venue of any Action brought in such courts or to the  convenience of
the forum.  Final  judgment in any such Action  shall be  conclusive  and may be
enforced in other  jurisdictions  by suit on the  judgment,  a certified or true
copy of which  shall be  conclusive  evidence  of the fact and the amount of any
indebtedness or liability of any party therein described.  Service of process in
any  Action  by any  party  may be made by  serving  a copy of the  summons  and
complaint,  in addition to any other relevant documents, by commercial overnight
courier to any other party at their address set forth in this Agreement.

                  SECTION  18.  HEADINGS.  The  headings  of  the  Sections  are
inserted  for   convenience   of  reference   only  and  shall  not  affect  any
interpretation of this Agreement.

                                       8

Advisor Initial:________                             Company Initial:_______

<PAGE>

                  SECTION 19.  COUNTERPARTS.  This  Agreement may be executed in
counterpart  signatures,  each of which shall be deemed an original,  but all of
which,  when taken together,  shall constitute one and the same  instrument,  it
being  understood that both parties need not sign the same  counterpart.  In the
event that any signature is delivered by facsimile transmission,  such signature
shall create a valid and binding  obligation of the party executing (or on whose
behalf such signature is executed) the same with the same force and effect as if
such facsimile signature page were an original thereof.

                      [Signature Page Immediately Follows]

                                       9

Advisor Initial:________                             Company Initial:_______

<PAGE>

                  IN WITNESS  WHEREOF,  the parties  hereto have  executed  this
Agreement as of the day and year first written above.

                        HY-TECH TECHNOLOGIES GROUP, INC.

                        By: _____________________________
                        Gary F. McNear, CEO

                        ALTOS BANCORP, INC.

                        By: _____________________________
                        Martin Nielson, CEO

                        Gary F. McNear, trustee for the
                        Gary F. McNear Revocable Trust dated March 17, 1998

                        By: _____________________________
                                 Gary F. McNear

                        Susan M. McNear, trustee for the
                        Susan M. McNear Revocable Trust dated March 17, 1998

                        By: _____________________________
                                 Susan M. McNear

                        Craig W. Conklin, trustee for the
                        Craig W. Conklin Revocable Trust dated April 19, 2000

                        By: _____________________________
                                 Craig W. Conklin

                        Margaret L. Conklin, trustee for the
                        Margaret L. Conklin Revocable Trust dated April 19, 2000

                        By: _____________________________
                                 Margaret L. Conklin

                                       10

Advisor Initial:________                             Company Initial:_______

<PAGE>

                                   SCHEDULE A

         MERGER, ACQUISITION, STRATEGIC ALLIANCE, LENDER & INVESTOR LIST

                      For: Hy-Tech Technologies Group, Inc.

                             By: Altos Bancorp, Inc.

                                  CONFIDENTIAL

                                       11

Advisor Initial:________                             Company Initial:_______

<PAGE>

                                   SCHEDULE B

The  following  calculation  is upon the  assumption  that as of the date of the
execution of this contract, HYTT has approximately 27 million shares outstanding
on a  fully-diluted  basis  (assuming the certificate to Mercatus for 13,888,889
shares will be cancelled).

Shares by McNear,  Conklin, and affiliates subject to option (10,000,000 shares)
and irrevocable proxy (15,838,448):

<TABLE>
<CAPTION>
                                                             Shares Subject     Shares
                                                             To Option          Subject to
                                                                                Proxy*

<S>                                                           <C>                <C>
Gary F. McNear, trustee for the
Gary F. McNear Revocable Trust dated March 17, 1998            3,959,612          3,959,612

Susan M. McNear, trustee for the
Susan M. McNear Revocable Trust dated March 17, 1998           1,040,388          3,959,612

Craig W. Conklin, trustee for the
Craig W. Conklin Revocable Trust dated April 19, 2000          3,959,612          3,959,612

Margaret L. Conklin, trustee for the
Margaret L. Conklin Revocable Trust dated April 19, 2000       1,040,388          3,959,612
                                                              ----------          ---------

Total                                                         10,000,000         15,838,448

</TABLE>

* The proxy will be  irrevocable  for (a) the term of the option with respect to
shares  that are  subject to the option and (b) six (6) months  with  respect to
shares that are not subject to the option.

                                       12

Advisor Initial:________                             Company Initial:_______

<PAGE>

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