Document:

The following exhibit is the form of Indemnification Agreement entered into with
Tim L. Hansen, Ray P. Brown and Dr. Chelton Feeny as Indemnitees.

                                       1
<PAGE>

                            INDEMNIFICATION AGREEMENT

         THIS INDEMNIFICATION AGREEMENT (this "Agreement") is entered into
effective as of January 19, 2001, by and between AMERICAN FINANCIAL HOLDING,
INC., a Delaware corporation (the "Corporation"), and _____________________
("Indemnitee").

                                    Agreement

         NOW, THEREFORE, in consideration of the covenants contained herein, the
Corporation and Indemnitee do hereby covenant and agree as follows:

         1. Indemnity of Director or Officer. The Corporation shall indemnify
Indemnitee and hold him harmless against any and all expenses incurred by reason
of the fact that Indemnitee is or was a director, officer, agent, or advisor of
the Corporation, or is or was serving at the request of the Corporation as a
director, officer, employee, agent, or advisor of another corporation,
partnership, joint venture, trust, limited liability company, or other entity or
enterprise to the fullest extent permitted by the Delaware General Corporation
Law.

         2. Advances of Expenses. Expenses (other than judgments, penalties,
fines, and settlements) incurred by Indemnitee shall be paid by the Corporation,
in advance of the final disposition of the proceeding, within ten days after
receipt of Indemnitee's written request accompanied by substantiating
documentation and Indemnitee's unsecured undertaking to repay such amount to the
extent it is ultimately determined that Indemnitee is not entitled to
indemnification to the fullest extent permitted by the Delaware General
Corporation Law.

         3. Undertaking by Indemnitee. Indemnitee hereby undertakes to repay to
the Corporation any advances of expenses pursuant to this Agreement to the
extent that it is ultimately determined that Indemnitee is not entitled to
indemnification.

         4. Indemnification Hereunder Not Exclusive. The indemnification and
advancement of expenses provided by this Agreement shall not be deemed exclusive
of any other rights to which Indemnitee may be entitled under the Articles,
Bylaws, Statute, any policy or policies of directors' and officers' liability
insurance, any agreement, or otherwise, both as to action in his official
capacity and as to action in another capacity while holding such office.
However, Indemnitee shall reimburse the Corporation for amounts paid to him
under this Agreement in an amount equal to any payments received pursuant to
such other rights to the extent such payments duplicate any payments received
pursuant to this Agreement.

         5. Continuation of Indemnity. All agreements and obligations of the
Corporation contained herein shall continue during the period Indemnitee is a
director, officer, agent, or advisor of the Corporation (or is or was serving at
the request of the Corporation as a director, officer, employee, agent, or
advisor of another corporation, partnership, joint venture, trust, limited
liability company, or other enterprise) and shall continue thereafter so long as
Indemnitee shall be subject to any possible proceeding.

         6. Enforcement.

                  (a) The Corporation expressly confirms and agrees that it has
         entered into this Agreement and assumed the obligations imposed on the

                                       2
<PAGE>

         Corporation hereby in order to induce Indemnitee to serve as a director
         or officer of the Corporation, and acknowledges that Indemnitee is
         relying upon this Agreement in continuing as a director or officer.

                  (b) In the event Indemnitee is required to bring any action or
         other proceeding to enforce rights or to collect monies due under this
         Agreement and is successful in such action, the Corporation shall
         reimburse Indemnitee for all of the Indemnitee's expenses in bringing
         and pursuing such action.

         7. Governing Law; Binding Effect; Amendment and Termination.

                  (a) This Agreement shall be interpreted and enforced in
         accordance with the laws of the state of Delaware.

                  (b) This Agreement shall be binding upon the Corporation, its
         successors and assigns, and shall inure to the benefit of Indemnitee,
         his heirs, personal representatives, and assigns, and to the benefit of
         the Corporation, its successors and assigns.

                  (c) No amendment, modification, termination, or cancellation
         of this Agreement shall be effective unless in writing signed by the
         Corporation and Indemnitee.

         8. Severability. If any provision of this Agreement shall be held to be
invalid, illegal, or unenforceable,

                  (a) the validity, legality, and enforceability of the
         remaining provisions of this Agreement shall not be in any way affected
         or impaired thereby; and

                  (b) to the fullest extent possible, the provisions of this
         Agreement shall be construed so as to give effect to the intent
         manifested by the provision held invalid, illegal, or unenforceable.

Each section of this Agreement is a separate and independent portion of this
Agreement. If the indemnification to which Indemnitee is entitled as respects
any aspect of any claim varies between two or more sections of this Agreement,
that section providing the most comprehensive indemnification shall apply.

         9. Notice. All notices, demands, requests, or other communications
required or authorized hereunder shall be in writing and shall be deemed to have
been given on the date of service if personally served or by facsimile
transmission (if receipt is confirmed by the facsimile operator of the
recipient), or on the following day if delivered by overnight courier service,
or on the fifth day after mailing if mailed by certified mail, return receipt
requested, addressed as follows

         If to the Corporation, to:         American Financial Holding, Inc.
                                            914 Rio Virgin Drive
                                            St. George, Utah  84790
                                            Telephone:  (435) 674-1181
                                            Facsimile:  (435) 674-1183
                                            Electronic Mail: k-g-s@infowest.com

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<PAGE>

         If to the Indemnitee, to:

                                            Telephone:
                                            Facsimile:
                                            Electronic Mail:

or such other addresses and facsimile numbers as shall be furnished by any party
in the manner for giving notices hereunder, and any such notice, demand,
request, or other communication shall be deemed to have been given as of the
date so delivered or sent by facsimile transmission, five business days after
the date so mailed, or one day after the date so sent by overnight delivery.

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

                                       Corporation:
                                       AMERICAN FINANCIAL HOLDING, INC.

                                       By:
                                           -------------------------------
                                            Kenton L. Stanger, President

                                       Indemnitee:

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

                                       4
<PAGE>

The following exhibit is the form of Indemnification Agreement entered into with
Kenton L. Stanger and Raymond L. Punta as Indemnitees.

                                       5
<PAGE>

                            INDEMNIFICATION AGREEMENT

         THIS INDEMNIFICATION AGREEMENT (this "Agreement") is entered into
effective as of January 19, 2001, by and between AMERICAN FINANCIAL HOLDING,
INC., a Delaware corporation (the "Corporation"), and __________________
("Indemnitee").

                                    Agreement

         NOW, THEREFORE, in consideration of the covenants contained herein, the
Corporation and Indemnitee do hereby covenant and agree as follows:

         1. Indemnity of Director or Officer. The Corporation shall indemnify
Indemnitee and hold him harmless against any and all expenses incurred by reason
of the fact that Indemnitee is or was a director, officer, agent, or advisor of
the Corporation, or is or was serving at the request of the Corporation as a
director, officer, employee, agent, or advisor of another corporation,
partnership, joint venture, trust, limited liability company, or other entity or
enterprise, to the fullest extent permitted by the Delaware General Corporation
Law, save and except any and all loss, cost, damage, or expense in connection
with that certain lawsuit in the Third District Court in Salt Lake County, Utah,
styled Bridge v. American Financial Holding, Inc., Triad Financial Systems,
Inc., Raymond L. Punta, and Kenton L. Stanger (Civil No. 990912544).

         2. Advances of Expenses. Expenses (other than judgments, penalties,
fines, and settlements) incurred by Indemnitee shall be paid by the Corporation,
in advance of the final disposition of the proceeding, within ten days after
receipt of Indemnitee's written request accompanied by substantiating
documentation and Indemnitee's unsecured undertaking to repay such amount to the
extent it is ultimately determined that Indemnitee is not entitled to
indemnification to the fullest extent permitted by the Delaware General
Corporation Law.

         3. Undertaking by Indemnitee. Indemnitee hereby undertakes to repay to
the Corporation any advances of expenses pursuant to this Agreement to the
extent that it is ultimately determined that Indemnitee is not entitled to
indemnification.

         4. Indemnification Hereunder Not Exclusive. The indemnification and
advancement of expenses provided by this Agreement shall not be deemed exclusive
of any other rights to which Indemnitee may be entitled under the articles of
incorporation, bylaws, statutes, any policy or policies of directors' and
officers' liability insurance, any agreement, or otherwise, both as to action in
his official capacity and as to action in another capacity while holding such
office. However, Indemnitee shall reimburse the Corporation for amounts paid to
him under this Agreement in an amount equal to any payments received pursuant to
such other rights to the extent such payments duplicate any payments received
pursuant to this Agreement.

         5. Continuation of Indemnity. All agreements and obligations of the
Corporation contained herein shall continue during the period Indemnitee is a
director, officer, agent, or advisor of the Corporation (or is or was serving at
the request of the Corporation as a director, officer, employee, agent, or
advisor of another corporation, partnership, joint venture, trust, limited
liability company, or other enterprise) and shall continue thereafter so long as
Indemnitee shall be subject to any possible proceeding.

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<PAGE>

         6. Enforcement.

                  (a) The Corporation expressly confirms and agrees that it has
         entered into this Agreement and assumed the obligations imposed on the
         Corporation hereby in order to induce Indemnitee to serve as a director
         or officer of the Corporation, and acknowledges that Indemnitee is
         relying upon this Agreement in continuing as a director or officer.

                  (b) In the event Indemnitee is required to bring any action or
         other proceeding to enforce rights or to collect monies due under this
         Agreement and is successful in such action, the Corporation shall
         reimburse Indemnitee for all of the Indemnitee's expenses in bringing
         and pursuing such action.

         7. Governing Law; Binding Effect; Amendment and Termination.

                  (a) This Agreement shall be interpreted and enforced in
         accordance with the laws of the state of Delaware.

                  (b) This Agreement shall be binding upon the Corporation, its
         successors and assigns, and shall inure to the benefit of Indemnitee,
         his heirs, personal representatives, and assigns, and to the benefit of
         the Corporation, its successors and assigns.

                  (c) No amendment, modification, termination, or cancellation
         of this Agreement shall be effective unless in writing signed by the
         Corporation and Indemnitee.

         8. Severability. If any provision of this Agreement shall be held to be
invalid, illegal, or unenforceable,

                  (a) the validity, legality, and enforceability of the
         remaining provisions of this Agreement shall not be in any way affected
         or impaired thereby; and

                  (b) to the fullest extent possible, the provisions of this
         Agreement shall be construed so as to give effect to the intent
         manifested by the provision held invalid, illegal, or unenforceable.

Each section of this Agreement is a separate and independent portion of this
Agreement. If the indemnification to which Indemnitee is entitled as respects
any aspect of any claim varies between two or more sections of this Agreement,
that section providing the most comprehensive indemnification shall apply.

         9. Notice. All notices, demands, requests, or other communications
required or authorized hereunder shall be in writing and shall be deemed to have
been given on the date of service if personally served or by facsimile
transmission (if receipt is confirmed by the facsimile operator of the
recipient), or on the following day if delivered by overnight courier service,
or on the fifth day after mailing if mailed by certified mail, return receipt
requested, addressed as follows

         If to the Corporation, to:       American Financial Holding, Inc.
                                          914 Rio Virgin Drive
                                          St. George, Utah  84790
                                          Telephone:  (435) 674-1181
                                          Facsimile:  (435) 674-1183
                                          Electronic Mail: k-g-s@infowest.com

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<PAGE>

         If to the Indemnitee, to:

                                          Telephone:
                                          Facsimile:
                                          Electronic Mail:

or such other addresses and facsimile numbers as shall be furnished by any party
in the manner for giving notices hereunder, and any such notice, demand,
request, or other communication shall be deemed to have been given as of the
date so delivered or sent by facsimile transmission, five business days after
the date so mailed, or one day after the date so sent by overnight delivery.

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

                                           Corporation:
                                           AMERICAN FINANCIAL HOLDING, INC.

                                           By:
                                               --------------------------------
                                               Kenton L. Stanger, President

                                           Indemnitee:

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

                                       8EXHIBIT 10.1

                        CONTRACT LETTER & SPECIFICATIONS

<PAGE>
AMTX
Advanced Medtronix

                                                                February 5, 2001

WORLD WIDE VIDEO
102a North Main Street,
Culpeper, Virginia 22701
ATTN:  FRANK MAAS
Chairman of the Board

Dear Mr. Maas,

This letter will confirm my verbal report to you that Advanced  Medtronix,  Inc.
(AMTX) is prepared to give you a purchase  order for your Home  Medical  Monitor
units.

We are pleased to order the following:

1.   240 Home Medical Monitors
     Delivered in lots of 20 units per month  beginning March 20, 2001 and every
     30 days thereafter

2.   Unit price is $2000.00 each FOB Culpeper, VA

3.   Units  include:
     13 inch television,  PTZ top mounted camera,  internal H.324 codec, six (6)
     connections  for RS-232 medical  instruments on front panel.  Specification
     for Home- MD applies to this purchase  order.  Warranty and repair  service
     for these units is for 360 days  following  their  initial  activation  for
     service.

4.   TERMS:  2% TEN DAYS, NET-THIRTY (30) DAYS

AMTX  reserves the right to increase the number of units to be released  monthly
with a thirty (30) day notice of its intent to do so.

Frank, if you have any questions, please call me at 512-836-3354.

Very Truly Yours,

/s/Ralph M. Smucker
Ralph M. Smucker

President and CEO, Advanced Medtronix, Inc.

CORPORATE  HEADQUARTERS * 8760-A Research Blvd., No. 410, Austin,  Texas 78758 *
Call  512  836  3354  *  Toll  Free   877-472-1741   *  Fax  512-   836-1598   *
WWW.ADVMEDTRONIX.COM

WASHINGTON DC OFFICE * 1710 Rhode Island Ave., NW, Fourth Floor, Washington,  DC
20036 * call 202-467-0061 * Fax 202-467-0065

<PAGE>

                                   HOME MD(TM)

                              HOME MEDICAL DISPLAY

                                 SPECIFICATIONS

                                FEBRUARY 1, 2001

                             WORLD WIDE VIDEO, INC.
                             102A North Main Street
                               Culpeper, VA 22701
                                  540-727-7551

<PAGE>

INTRODUCTION

The Home  Medical  Display (HMD or HOME MD) system is designed to be placed in a
home  environment.  The HMD has been  crafted  as a very  low  cost  and  easily
installable home medical  monitoring  system. The HMD is a TV monitor with tuner
that  includes  medical  equipment  interfaces  that  connect  to  WWV's  Remote
Audio/Video  (RAV  (tm))  technology.  The  medical  interface  accepts  any FDA
approved and physician  selected  medical  monitor that supports  collected data
transfer. This allows a homebound patient to have meaningful medical care review
over normal  telephone  lines with a health care provider.  Both the patient and
the health care provider have simultaneous audio and video connections using the
TV and real-time data transfer of the collected medical information.  The system
uses the H.324  Standards  for audio and video  transmission  over analog  phone
circuits.

TV MONITOR

The TV (unit) has the following features:

         13" Diagonal Color CRT
         Cable Ready Tuner
         Speaker(s)
         A/V Input Ports
         S-Video Support
         IR Receiver
         IR Handheld Remote Control

BASIC PHYSICAL AND ELECTRICAL MODIFICATIONS

1. PHYSICAL CONNECTIONS:

         Front (in addition to normal TV controls, speaker, IR and A/V ports):
                  Video/Audio Input Connection
                  Six (6) Medical Ports
                           Typical usage is:
                              a. Stethoscope
                              b. Pulse/BP Sensor
                              c. Electronic Scale
                              d. Spirometer
                              e. Glucometer
                              f. Any physician selected medical sensor.

<PAGE>
2. FEATURES

The features includes the following:

1. VIDEO INPUT

       Three Selectable Video Inputs:
            External  or  Internal  Camera  (Internal available on some models)
            Video input connection in front
            PTZ Camera with RS-232 control (optional)

         Local video mute.
         Time Base  Correction  input for  videotape.
         Local and remote  "Freeze Frame"  video  capability.
         Local and remote video  switching  control.
         Local Video Mute for privacy but with override for  emergencies.
         Local and remote Pan/Tilt/Zoom camera control.

2. VIDEO OUTPUT

         Two Selectable Video Outputs:

                  On Screen Display (OSD) support
                           Messages
                           Real Time Clock
                           Real Time Date
                           Status
                  Video/Audio output connection in rear

3. AUDIO INPUT

         Three Selectable Audio Inputs:
                  Microphone (default).
                  Audio input connection in front.
                  Dedicated analog stethoscope input (optional).
                  Telephone handset
         Local audio mute for privacy

<PAGE>

4. AUDIO OUTPUT

         Two Selectable Audio Outputs:
                  Display Speaker (Default).
                  Audio output connection in rear.
                  Telephone handset.
         Local audio mute for privacy

5. AUDIO CAPABILITIES

         Strong Echo Cancellation for noisy environments
         Comply with Standards audio - G.711 (2.4kbps), G.723 (default),  G.728.
         G.728 requires  releasing  bandwidth from video.
         Auto configuration/negotiation.
         OSD indicator for mute/privacy selection

6. DATA PORTS

         Multiple Low Speed Data (LSD) ports. (7 standard)
         Data sources are remotely selectable
         LSDs are RS-232 asynchronous up to 115.2 Kbps.

7. FREEZE FRAME CAPABILITIES

         Standards Compliant Still Frame 4CIF.
         Local and remote controllable with rapid frame grab.
         Upgradeable to Ultra High Resolution Wavelet. (3rd qtr 2001)

8. MODEM

         Auto-Answer
         POTS V.34
         Future:
                  Optional ISDN
                  Optional Ethernet
                  Optional  V.35

9. INTERNATIONAL TELECOMMUNICATION UNION (ITU) STANDARDS

         H.324

<PAGE>

         Future:
                  H.320 (High Bandwidth compliance)
                  H.323 (Internet compliance)

10. REGULATORY CONFORMITY

         UL
         FCC Class B and Part 68

11. USER INTERFACE

                  Output:
                           Display shows text messages
                           Verbal using audio

                  Input:
                           Infrared Controller:
                                Normal TV Control
                                RAV Configuration and Control
                                Dialing
                                Panic Button
                                Keyboard with Mouse (optional)
                           Touchscreen (2nd qtr 2001)

12. WEB BROWSER SUPPORT (requires H.323 standard-available 3rd qtr 2001)

13. FORM FACTOR

         All materials FDA acceptable- friendly, especially any plastics used.
         Hardware is esthetically pleasing and easy to install.
         Hardware can be de-contaminated

14. CONNECTORS

         Standard RS-232 DB9 Connection
         Special Connectors (on request)
         RJ45
         1/8 inch jack

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