Document:

EXHIBIT 4.1
<P>
                     LETTER AGREEMENT
<P>
                  TIDALWAVE HOLDINGS INC.
                  1831 N.E. 45th STREET
              FT. LAUDERDALE, FLORIDA  33308
                      (954) 255-6753
<P>
September 14, 2000
<P>
Richard I. Anslow
Richard I. Anslow & Associates
4400 Route 9S., 2nd Floor
Freehold, NJ  07728
<P>
Attn:  Richard I. Anslow
<P>
        RE:   Payment for Services from Tidalwave Holdings
Inc. to Richard I. Anslow & Associates
<P>
Dear Mr. Anslow:
<P>
The following hereby sets forth a payment agreement between
Tidalwave Holdings Inc.. ("Tidalwave") and Richard I. Anslow
& Associates:
<P>
     1.   Tidalwave agrees to issue 147,059 shares of
Tidalwave to Richard I. Anslow & Associates.  Such shares
will be received within 30 days of the signing of this
agreement.  These shares are to account for a partial
payment of $15,000 and are to credit the outstanding balance
of $29,328.75 which accounts for legal services rendered for
Tidalwave and in addition, Tidalwave will also pay an
additional $2,500 to Richard I. Anslow & Associates in
shares over and above the outstanding balance owed, in
consideration for allowing Tidalwave to keep an outstanding
balance with Richard I. Anslow & Associates for such an
extended period of time.  The amount of shares issued will
be based on $17,500 and then divided by the average closing
price of $0.119 of Tidalwave stock for the last 30 trading
days prior to the signing of this agreement as it is quoted
on the OTC Electronic Bulletin Board.
<P>
Tidalwave Holdings Inc. agrees to file an S-8 registration
statement immediately after execution of this agreement to
register the above referenced shares.  The above referenced
shares which represent legal work undertaken by Richard I.
Anslow & Associates does not include any work related to
capital raising transactions or making a market in the
common stock of Tidalwave Holdings Inc.
<P>
If the foregoing meets with your approval, please sign two
copies of this letter and return one to the undersigned.
<P>
Very truly yours,
                            ACCEPTED AND AGREED TO
                            this 14TH day of September, 2000
<P>
Tidalwave Holdings Inc.     Richard I. Anslow & Associates
<P>
By: /s/ Leon Kline          By: /s/ Richard I. Anslow
------------------------    --------------------------------
        Leon Kline                  Richard I. Anslow
        President
<P>
                   CONSULTING AGREEMENT
<P>
This Agreement is made as of this September 14, 2000, by and
between Tidalwave Holdings Inc. ("the Company") a
corporation duly organized and existing under the laws of
Florida, with offices at 1831 N.E. 45th Street, Ft.
Lauderdale, Florida 33308 and Richard I. Anslow ("the
Consultant") with office at Freehold Executive Center, 4400
Route 9 South, 2nd Floor, Freehold, New Jersey 07728.
<P>
     WHEREAS, the Company is a reporting company under the
1934 Exchange Act and has business operations in the
computer and online mortgage industry.
<P>
     WHEREAS, the Consultant provides general legal services
for the Company.
<P>
     WHEREAS, the Company wishes to retain the services of
the Consultant on the following terms and conditions:
<P>
     1.     The Company hereby retains the services of the
Consultant for various legal projects (excluding projects
regarding capital raising or making a market in the
Company's stock).  In exchange for the Consulting Services
(as that term is defined herein), the Consultant shall
receive 147,059 shares of the Company's common stock, which
shares shall be registered in an S-8 registration statement
to be filed by the Company.  Such shares are being issued to
compensate Consultant for legal fees undertaken in the
amount of $15,000.
<P>
     2.     The Consultant shall, employing his best
efforts, assist the Company by providing legal services as
requested by the Company.
<P>
     3.     The Consultant shall be an independent
contractor and shall have no right or authority to assume or
create any obligations or responsibility, express or
implied, on behalf of or in the name of the Company, unless
specifically authorized in writing by the Company.  No
provision of this Agreement shall be construed to preclude
the Consultant from pursuing other projects.
<P>
     4.     The Consultant (including any person or entity
acting for or on behalf of the Consultant) shall not be
liable for any mistakes of fact or errors of judgment for
losses sustained by the Company or any subsidiary or for any
acts or omissions of any kind, unless caused by the
negligence or intentional misconduct of the Consultant or
any person or entity acting for or on behalf of the
Consultant.
<P>
     5.     The Company and its present and future
subsidiaries jointly and severally, agree to indemnify and
hold harmless the Consultant against any loss, claim, damage
or liability whatsoever, (including reasonable attorneys'
fees and expenses), to which such Indemnified Party may
become subject as a result of performing any act (or
omitting to perform any act) contemplated to be performed by
the Consultant pursuant to this Agreement if such act or
omission did not violate the provisions of Section 4 of this
Agreement.  So long as the Company has not provided counsel
to the Indemnified Party in accordance with the terms of
this Agreement, the Company and its subsidiaries agree to
reimburse the defense of any action or investigation
(including reasonable attorney's fees and expenses), subject
to any understanding from such Indemnified Party to repay
the Company or its subsidiaries if it is ultimately
determined that such Indemnified Party is not entitled to
such indemnity.  In case any action, suit or proceeding
shall be brought or threatened, in writing, against any
Indemnified Party, it shall notify the Company within twenty
(20) days after the Indemnified Party receives notice of
such action, suit or such threat.  The Company shall have
the right to appoint the Company's counsel to defend such
action, suit or proceeding, provided that such Indemnified
Party consents to such representation by such counsel, which
consent shall not be unreasonably withheld.  In the event
any counsel appointed by the Company shall not be acceptable
to such Indemnified Party, then the Company shall have the
right to appoint alternative counsel for such Indemnified
Party reasonably acceptable to such Indemnified Party, until
such time as acceptable counsel can be appointed.  In any
event, the Company shall, at its sole cost and expense, be
entitled to appoint counsel to appear and participate as
co-counsel in the defense thereof.  The Indemnified Party,
or its co-counsel, shall promptly supply the Company's
counsel with copies of all documents, pleadings and notices
which are filed, served or submitted in any of the
aforementioned.  No indemnified Party shall enter into any
settlement without the prior written consent of the Company,
which consent shall not be unreasonable withheld.
<P>
     6.     This Agreement shall be binding upon the Company
and the Consultant and their successors and assigns.
<P>
     7.     If any provision or provisions of this Agreement
shall be held to be invalid, illegal or unenforceable for
any reason whatsoever, (i) the validity, legality and
enforceability of the remaining provisions of this Agreement
(including, without limitation, each portion of any section
of this Agreement containing any such provision held to be
invalid, illegal or unenforceable) shall not in any way be
affected or impaired thereby; and (ii) to the fullest extent
possible, the provisions of this Agreement (including,
without limitation, each portion of any Section of this
Agreement containing any such provision held to be invalid,
illegal or unenforceable) shall be construed so as to give
effect to the intent manifested by the provision held,
invalid illegal or unenforceable.
<P>
     8.     No supplement, modification or amendment of this
Agreement shall be binding unless executed in writing by
both parties hereto.  No waiver of any other provisions
hereof (whether or no similar) shall be binding unless
executed in writing by both parties hereto nor shall such
waiver constitute a continuing waiver.
<P>
     9.     This Agreement may be executed in one or more
counterparts, each of which shall for all purposes be deemed
to be an original but all of which shall constitute one and
the same Agreement.
<P>
     10.     The Parties agree that should any dispute arise
in the administration of this Agreement, that the agreement
shall be governed and construed by the Laws of the State of
New Jersey.
<P>
     11.     This Agreement contains the entire agreement
between the Parties with respect to the consulting services
to be provided to the Company by the Consultant and
supersedes any and all prior understandings, agreement or
correspondence between the Parties.
<P>
     IN WITNESS WHEREOF, the Company and the Consultant have
caused this Agreement to be signed by duly authorized
representatives as of the day and year first above written.
<P>
TIDALWAVE HOLDINGS INC.
<P>
BY: /s/ LEON KLINE
--------------------------
        LEON KLINE
        PRESIDENT, CEO AND TREASURER
<P>
/s/ RICHARD I. ANSLOW
--------------------------
    RICHARD I. ANSLOW
<P>EXHIBIT 10.1

                       CONSULTANT STOCK COMPENSATION PLAN

I.   PURPOSE OF THE PLAN.

     The  purpose  of this  Plan is to  further  the  growth  of Noram  Gaming &
Entertainment,  Inc. and its  Subsidiaries  (together  being the  "Company")  by
allowing the Company to  compensate  Consultants  and certain  other persons who
have  provided  bona fide  services to the Company,  through the award of Common
Stock of the Company.

II.  DEFINITIONS.

     Whenever used in this Plan, the following terms shall have the meanings set
forth in this Section:

     1. "Award"  means any grant of (i) Common Stock or (ii) options or warrants
to purchase Common Stock made under this Plan.

     2. "Board of Directors" means the Board of Directors of the Company.

     3. "Code" means the Internal Revenue Code of 1986, as amended.

     4. "Common Stock" means the Common Stock of the Company.

     5.  "Date of Grant"  means the day the Board of  Directors  authorized  the
grant  of an  Award  or such  later  date as may be  specified  by the  Board of
Directors as the date a particular Award will become effective

     6.  "Consultant"  means any person or entity (i) who has  rendered  or will
render bona fide  services to the  Company,  and (ii) who, in the opinion of the
Board of Directors,  are in a position to make, or who have  previously  made, a
significant contribution to the success of the Company.

     7.  'Subsidiary"  means any corporation that is a subsidiary with regard to
as that term is defined in Section 424(f) of the Code.

III. EFFECTIVE DATE OF THE PLAN.

     The effective date of this Plan is September 1, 2000.

IV.  ADMINISTRATION OF THE PLAN.

     The Board of Directors will be responsible for the  administration  of this
Plan, and will grant Awards under this Plan.  Subject to the express  provisions
of this  Plan and  applicable  law,  the  Board of  Directors  shall  have  full
authority and sole and absolute discretion to interpret this Plan, to prescribe,
amend and rescind  rules and  regulations  relating to it, and to make all other
determinations  which it believes to be necessary or advisable in  administering
this Plan. The  determinations of the Board of Directors on the matters referred
to in this Section shall be conclusive.  The Board of Directors  shall have sole
and absolute discretion to amend this Plan. No

<PAGE>

member of the Board of  Directors  shall be liable  for any act or  omission  in
connection  with the  administration  of this Plan unless it  resulted  from the
member's willful misconduct.

V.   STOCK SUBJECT TO THE PLAN.

     The  maximum  number of shares of Common  Stock as to which  Awards  may be
granted under this Plan is 5,000,000  shares which number  represents  5,000,000
shares not yet issued under the Plan.  The Board of  Directors  may increase the
maximum  number of shares of Common  Stock as to which  Awards may be granted at
such time as it deems available.

VI.  PERSONS ELIGIBLE TO RECEIVE AWARDS.

      Awards may be granted only to Consultants.

VII. GRANTS OF AWARDS.

     Except as otherwise  provided  herein,  the Board of  Directors  shall have
complete  discretion to determine when and to which Consultant  Awards are to be
granted,  and the number of shares of Common Stock as to which Awards granted to
each  Consultant  will relate,  and the terms and conditions upon which an Award
may be  issued  (including,  without  limitation,  the  date of  exercisability,
exercise  price and term of any Award which  constitutes an option or warrant to
purchase  Common Stock).  No grant will be made if, in the judgment of the Board
of Directors,  such a grant would  constitute a public  distribution  within the
meaning of the Securities Act of 1933, as amended (the "Act"),  or the rules and
regulations promulgated thereunder.

VIII. DELIVERY OF STOCK CERTIFICATES.

     As promptly as practicable  after  authorizing  the grant of an Award,  the
Company  shall  deliver  to the  person who is the  recipient  of the  Award,  a
certificate or certificates  registered in that person's name,  representing the
number of shares  of  Common  Stock  that  were  granted.  If  applicable,  each
certificate shall bear a legend to indicate that the Common Stock represented by
the certificate was issued in a transaction  which was not registered  under the
Act, and may only be sold or  transferred  in a  transaction  that is registered
under the Act or is exempt from the registration requirements of the Act.

IX.  RIGHT TO CONTINUED ENGAGEMENT.

     Nothing  in this Plan or in the  grant of an Award  shall  confer  upon any
Consultant  the  right to  continued  engagement  by the  Company  nor  shall it
interfere with or restrict in any way the rights of the Company to discharge any
Consultant or to terminate any consulting relationship at any time.

X.   LAWS AND REGULATIONS.

         1. The  obligation of the Company to sell and deliver  shares of Common
Stock on the grant of an Award under this Plan shall be subject to the condition
that  counsel for the Company be satisfied  that the sale and  delivery  thereof
will not violate the Act or any other applicable laws, rules or regulations.

<PAGE>

         2. This Plan is  intended  to meet the  requirements  of Rule  16b-3 in
order to provide  officers and directors  with certain  exemptions  from Section
16(b) of the Securities Exchange Act of 1934, as amended.

XI.  TERMINATION OF THE PLAN.

     The Board of Directors  may suspend or  terminate  this Plan at any time or
from time to time,  but no such action  shall  adversely  affect the rights of a
person granted an Award under this Plan prior to that date.

XII. DELIVERY OF PLAN.

     A copy of this Plan shall be delivered to all participants, together with a
copy of the resolution or resolutions of the Board of Directors  authorizing the
granting of the Award and establishing the terms, if any, of participation.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00015-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00015-of-00352.parquet"}]]