Document:

Exhibit 10.2 International Technology Enterprises Ltd.

Agreement Between The Company And Beowulf Investments:

                 BEOWULF FIRM COMMITMENT UNDERWRITING AGREEMENT

     Three million (3,000,000) Shares of the Common Stock of International
Technology Enterprises Ltd., a Belize Corporation.

     With the signing of this FIRM COMMITMENT UNDERWRITING AGREEMENT, Beowulf
Investments will agree to purchase 3,000,000 warrants of International
Technology Enterprises Ltd., a Belize Corporation, hereinafter referred to as
"the Company".

Each warrant shall represent one (1) common share of the company. Each Warrant
shall be exercised at U.S. Three dollars and thirty-four cents per share
(US$3/34/share). The 3,000,000 shares issued by the Company will be under
Regulation S of the U.S. Securities Act laws and in accordance with the laws of
Belize. In total, the resulting Firm Commitment Underwriting will be Ten
Million, Four Hundred Thousand U.S. Dollars (US$10,400,000).

     This FIRM COMMITMENT UNDERWRITING AGREEMENT is subject to the Following
terms and conditions:

1. That none of the Regulation S non-assessable shares shall be placed in The
United States.

2. That Beowulf Investments solely reserves the right to involve non-U.S. Funds,
Institutional investors and brokerage firms in the Underwriting.

3. That the majority of issued Regulation S shares shall be held by Beowulf
Investments and any affiliates for several years, subject to Beowulf Investments
continued belief that the goal of the Company continues to be the Company's sale
at Market Capitalization to a major firm within the Company's industry.

4. That the Company warrants that they have qualified to be a reporting company,
as defined by the U. S. 1934 Securities Act. That the method of registration
with the U. S. Securities and Exchange Commission (SEC) was by the payment of a
stock dividend to the shareholders of Equity Finance Holding Corporation
(EFHLF). Those filings with the U. S. Securities and Exchange Commission do not
contain an untrue statement of a material fact, nor do the filings omit a
statement of a material fact. In witness whereof, the Company has attached
Attachment Appendix A to this Underwriting Agreement a copy of the Company's
Spin-off Agreement with Equity Finance Holding Corporation. And in so doing,
makes Attachment A an integral part of this Underwriting Agreement.

5. That this Firm Commitment Underwriting Agreement is consistent with the laws
of Belize.

6. That the Company has or will have an American Market Maker file a 15c2-11
with the National Association of Securities Dealers (NASD), so that the
Company's shares can trade on the Over-the-Counter Bulletin Board (OTCBB) in the
United States.

7. That the Company's insiders shall Pool & Vault ALL their insider shares
for a period of five years from the date of this AGREEMENT. That Beowulf
Investments shall be a party to the Pooling & Vaulting Agreement. That any
shares issued by the Company after this AGREEMENT are subject to this Pooling
& Vaulting Condition, unless Beowulf Investments agrees in writing to allow
them to be withheld from the Pooling & Vaulting Agreement. And, that the
Pooling & Vaulting Agreement can be ended should the Company be acquired in
an arms length acquisition in which the Company's insider shares are NOT sold to
the public. And, that this Pooling and Vaulting Agreement shall be established
before Beowulf Investments exercises any of their Warrants.

8. That the Company agrees to define the Use of Proceeds in sufficient detail to
allow Beowulf Investments to determine that the underwriting funds are used to
build the asset base of the Company. That the Use of Proceeds Document is
attached to this Underwriting Agreement as Attachment B. The Use of Proceeds
attachment may be altered at a later date by mutual agreement of both parties.
That the Company will maintain systems of internal accounting controls
sufficient to provide reasonable assurances that the underwriting funds were
expended in accordance with the agreed upon Use of Proceeds. That the company
shall have a Controller responsible for ensuring that the company manages itself
in a fiscally responsible manner. And that Beowulf Investments may have an
auditor or other qualified person review the books of the Company at Beowulf
Investments expense.

9. That the Company has filed and will continue to file all required tax returns
or has been granted extensions by the proper taxing authority.

10. That the Company maintains general liability insurance with respect to
physical damage to its assets as would be appropriate in the Company's industry.
That the Company carries other insurance as would be appropriate in the
Company's industry.

11. That for the first six-month after the Company's shares commence trading on
the Over-the-Counter Bulletin Board (OTCBB) in the United States, the Company
will not undertake an organized investor relations effort to attract American
investors into buying the Company's stock.

     During this "Quite Period," the Company shall regularly communicate with
its existing shareholders and encourage supporters of the company to become its
shareholders by buying such shares as may become available on the OTCBB.

12. That Beowulf Investments will list the Company's shares on a European Stock
Exchange and arrange a European Investor Relations Program for the Company.
Beowulf Investments shall pay these costs, but one hundred and fifty thousand
U.S. Dollars (US$150,000) shall be paid from the proceeds of the Underwriting to
compensate Beowulf Investments for costs incurred in creating a European Market
for the shares of the Company. This payment to Beowulf Investments shall be
paid, within ten (10) working days, from the first one million dollars of
exercised warrants of International Technology Enterprises Ltd.

     Further, Beowulf Investments shall be paid an eight percent (8%) brokerage
commission from proceeds on all money raised by this Firm Commitment
Underwriting Agreement. The eight percent (8%) underwriting commission shall be
paid within ten working days of the exercise of the International Technology
Enterprises Ltd.'s warrants.

     And, Beowulf Investments shall have the first right of refusal to undertake
secondary financing of the Company. Such a secondary financing shall not be
undertaken until the entire three million (3,000,000) warrants have been
exercised by Beowulf Investments.

13. That the Company, initially from the proceeds of the underwriting and
subsequently from the Company's revenues, shall expend at least U.S. Two Hundred
and Fifty Thousand Dollars (US$250,000) each year on its Investor Relations
Program to ensure a stable market for its shares.

14. That the Company shall submit quarterly unaudited financial statements to
Beowulf Investments as well as their annual audited financial statement.

15. The Company will pay all expenses incident to the performance of its own
obligations involved in this Agreement.

16. This Agreement cannot be terminated by the Company, without the written
consent of Beowulf Investments.

17. Beowulf Investment may elect not to exercise part or all of the Warrants
should the Company fail to spend underwriting money in accordance with the Use
of Proceeds as defined in Attachment B herein. Beowulf Investments may elect not
to exercise part or all of the Warrants should the company be the subject of a
lawsuit or other legal action that brings into question the ability of the
Company to successfully operate. And, Beowulf Investments may not exercise the
Warrants, if in the sole opinion of Beowulf Investments Market Conditions have
become adverse in Europe or North America. Examples of such Market Conditions
would include, but not be limited to:
     i.   domestic or international events occur which disrupt the financial
          markets,
    ii.   if there is a trading halt in the major exchanges or the
          over-the-counter market,
   iii.   if a significant percentage of banking institutions are closed
    iv.   if natural disasters occur
     v.   if there is a major stock market reversal

18. Good faith and common sense are the essence of this Agreement. Both Parties
to this Agreement recognize that it's impossible to prepare an agreement that
clearly defines all possible contingencies. The goal of this Agreement is to
fund the Company in a fiscally responsible manner that creates a public company
with a solid asset base and revenues.

19. That with the signing of this Agreement, Beowulf Investments will transfer
one thousand Belize Dollars (B$1,000) to the Company's account with the Bank of
Montreal in Vancouver, British Columbia, Canada. Payment shall be made in United
States Dollars at the present currency exchange rate.

     Agreed to this 15th Day of December 2000 in the Republic of Cyprus:

_____________________________      ____________________________
William Cate
for Beowulf Investments            International Technology Enterprises Ltd.Exhibit 10.1 TSandB Holdings, Inc.

Exhibit 10.1

                          CONSULTING SERVICES CONTRACT

This consulting services agreement ("Consulting Agreement") is made as of this
9th day of January, 2002, between:

James Jenkins, 1786 Trade Center Way, Suite #4, Naples, FL 34109; (hereinafter
referred to as "Jenkins" or "Consultant")

And:

TS&B Holdings, Inc., 5703 Red Bug Lake Road, #226, Winter Springs, Florida,
32708; (referred to herein as the "Company" or "Issuer"),

Jenkins and Company collectively sometimes herein referred to as the "Parties".
The Parties hereto, for the sum of Ten ($10.00) Dollars and other good and
valuable consideration the receipt and sufficiency of which is hereby
acknowledged, hereby agree as follows:

WHEREAS the Company (a Utah corporation) is a fully reporting company whose
securities are traded on the Over-the-Counter Bulletin Board under the ticker
symbol "TSBB";

AND WHEREAS Jenkins, is in the business of consulting with private and public
companies regarding issues of business development, management reorganization,
financial forecasts and projections, and merger and acquisition strategies;

AND WHEREAS the Company wishes to retain Jenkins as a non-exclusive corporate
consultant;

IT IS, THEREFORE AGREED that:

1.  Services.

The Company shall retain Jenkins to provide general corporate consulting
services, which may include, but not be limited to:

o    assistance in the preparation and organization of corporate and financial
     due diligence material,

o    assistance in the review and evaluation of potential merger candidates,

o    assistance in negotiating the terms of a merger or reorganization,

o    assistance in evaluating and analyzing the Company's specific industry and
     its  competitors, especially in commercial real estate development and
     construction,

o    assistance with corresponding with the Company's accountants and auditors,
     and

o    assistance concerning strategic planning regarding business matters and
     financial forecasts and projections, and

o    such other related business and legal advice on such matters as may be
agreed between the Parties from time to time Jenkins shall agree to make
available qualified personnel for the foregoing purposes and devote such
business time and attention thereto as it shall determine is required.

The Company understands that any and all suggestions, opinions or advice given
to the Company by Jenkins are advisory only and the ultimate responsibility,
liability and decision regarding any action(s) taken or decisions made lies
solely with the Company and not with Jenkins.

2.  Term.

The term of this Consulting Agreement shall be for a period of one year from the
date hereof (the "Term").

3.  Compensation.

As compensation for entering into this Consulting Agreement and for services
rendered over the Term, the Issuer agrees to issue to Jenkins and Jenkins agrees
to accept from Issuer, as compensation for the Consulting Services, Five Hundred
Thousand (500,000) shares of the Company's common stock, par value $.001 per
share. The Company hereby agrees to register the shares of common stock
underlying the above referenced common stock on a Form S-8 registration
statement.

4. Arbitration.

The parties hereby agree that any and all claims (except only for requests for
injunctive or other equitable relief) whether existing now, in the past or in
the future as to which the parties or any affiliates may be adverse parties, and
whether arising out of this Consulting Agreement or from any other cause, will
be resolved by arbitration before the American Arbitration Association within
the State of Florida. The parties hereby irrevocably consent to the jurisdiction
of the American Arbitration Association and the situs of the arbitration (and of
any action for injunctive or other equitable relief) within the State of
Florida. Any award in arbitration may be entered in any domestic or foreign
court having jurisdiction over the enforcement of such awards. The law
applicable to the arbitration and this Consulting Agreement shall be that of the
State of Florida, determined without regard to its provisions, which would
otherwise apply to a question of conflict of laws.

5. Issuers Representations and Warranties.

Issuer hereby represents and warrants to Consultant that:

5.1 Authority. The individual executing and delivering this agreement on
Issuer's behalf has been duly authorized to do so, the signature of such
individual is binding upon Issuer, and Issuer is duly organized and subsisting
under the laws of the jurisdiction in which it was organized.

5.2 Enforceability. Issuer has duly executed and delivered this agreement and
(subject to its execution by Consultant) it constitutes a valid and binding
agreement of Issuer enforceable in accordance with its terms against Issuer,
except as such enforceability may be limited by principles of public policy, and
subject to laws of general application relating to bankruptcy, insolvency and
the relief of debtors and rules of law governing specific performance,
injunctive relief or other equitable remedies.

5.3 Capitalization. Issuer has no outstanding capital stock other than common
stock as of the date of this agreement. Issuer is authorized to issue
100,000,000 Shares of Common Stock, of which 11,752,700 Shares are issued and
outstanding. All of Issuer's outstanding Shares of Common Stock have been duly
and validly issued and are fully paid, nonassessable and not subject to any
preemptive or similar rights; and the Shares have been duly authorized and, when
issued and delivered to Consultant as payment for services rendered as provided
by this agreement, will be validly issued, fully paid and nonassessable, and the
issuance of such Shares will not be subject to any preemptive or similar rights.

6. Miscellaneous.

6.1 Assignment. This Agreement is not transferable or assignable.

6.2 Execution and Delivery of Agreement. Each of the parties shall be entitled
to rely on delivery by fax transmission of an executed copy of this agreement by
the other party, and acceptance of such fax copies shall create a valid and
binding agreement between the parties.

6.3 Titles. The titles of the sections and subsections of this agreement are for
the convenience of reference only and are not to be considered in construing
this agreement.

6.4 Severability. The invalidity or unenforceability of any particular provision
of this agreement shall not affect or limit the validity or enforceability of
the remaining provisions of this agreement.

6.5 Entire Agreement. This agreement constitutes the entire agreement and
understanding between the parties with respect to the subject matters herein and
supersedes and replaces any prior agreements and understandings, whether oral or
written, between them with respect to such matters.

6.6 Counterparts. This Agreement may be executed in any number of counterparts,
each of which shall be an original, but all of which together shall constitute
one and the same instrument.

IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of
the date first above mentioned.

TS&B Holdings, Inc.
/s/ Roy Y. Salisbury
ROY Y. SALISBURY,
Chief Executive Officer

AGREED AND ACCEPTED
By: /s/ James Jenkins
1786 Trade Center Way, Suite #4
Naples, FL  34109

500,000 Shares.  Number of Shares to be issued to James Jenkins pursuant to this
agreement.

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