Document:

EXHIBIT 10.13

                              TERMS AND CONDITIONS

You Must be 18 years old or older to participate.

PennyWeb Inc.  (hereafter  "PWI")  operates the PennyWeb  click-through  program
through  which  independent  owner-operators  of Internet  web sites  (hereafter
"Hosts")  are  granted  the  non-exclusive  right to  direct  visitors  to their
Internet site to one or more Internet sites,  hereafter known as "Advertisers ."
Both Host and  Advertiser  are  hereafter  referred to as  "Participant"  to the
PennyWeb  Program.  PWI  shall  collect  fees  from  Advertiser  and pay  Host a
commission for each independent  bona-fide  visitor  delivered to the Advertiser
Site,  through a  mechanism  known as an  "Internet  Hypertext  transfer"  link.
Termination of this Agreement is at will, and may be effected by either party at
any time.  PWI reserves the right to refuse any  applicants  that it deems to be
unfit to  participate  in the  PennyWeb  Program.  Participant  in the  PennyWeb
Program grants PWI the exclusive  right or privilege to perform  services of the
same or similar nature as specified herein.

Contacting  of the Hosts and  Advertisers  is at the absolute  discretion of the
Participant.  Submission  and  approval of  application/sign-up  sheet is at the
absolute discretion of the Participant.

PWI is not  liable  to any  claims,  representation  or  warranties  made by the
Participant,  including  but not limited to the  contents of their sites and the
alteration of the appearance and syntax of the hypertext transfer link. Under no
circumstances  shall PWI be  liable to  Participant  for any  loss,  injury,  or
damage,  of whatever kind of nature,  resulting  from or arising out of PennyWeb
Program.  PWI makes no warranties,  either expressed or implied,  concerning the
performance  and  functionality  of the  PennyWeb  Program and hereby  expressly
disclaims all implied  warranties,  including  warranties of  mechantability  or
fitness for a  particular  use.  Under no  circumstances  shall PWI be liable to
Participant  for any loss,  injury,  or  damage,  of  whatever  kind of  nature,
resulting  from or arising  out of any  mistakes,  loopholes  in the  anti-fraud
system,   errors,   omissions,   delays,   or   interruptions  in  the  receipt,
transmission,  or storage of any  messages or  information  arising out of or in
connection with the PennyWeb Program.

Advertisers  may open as many  accounts  as they  deem.  To create a  Advertiser
account PWI shall  receive  from  Advertiser  the deposit  corresponding  to the
account  selected  within the PennyWeb  Program  plan.  When  deposit  reaches a
minimum balance of $50.00 PWI shall electronically charge amount of the selected
deposit to Advertiser 's credit card.  Advertiser  may switch to another plan or
to another  account  within  the same plan by  remitting  to PWI the  additional
deposit  that  the  new  account  may  require.   Any  changes  in  accounts  or
cancellation of one of several accounts must be requested via E-mail.  PWI shall
make any changes in accounts requested by the 25th of the month effective on the
1st of the following  calendar month. All changes requested on or after the 25th
of the month  will be  effective  on the 1st of the  month  one month  after the
following  month.  Advertisers may check their account balance and link activity
by accessing their Account Report at any time.  Until then accounts will operate
on the  commission  basis  selected  prior  to  notification,  and  any  refunds
proceeding from the changes in account will be calculated  accordingly.  Refunds
of a  minimum  of  $25.00  will be  processed  on the 15th of the month (or next
business  day  should the 15th be on a national  holiday  or  weekend)  in which
changes have been made effective.  PWI will not process payment for refunds less
than $25.00. All accounts which require payment to be made through international
wire-transfer will be charged a $30.00 transaction fee.

PWI shall track all commissions earned and may at its absolute discretion decide
not to pay any  commission  to any Host should PWI believe that any referral has
been fraudulent. Commission is based on one unique hit per bona fide independent
visitor  delivered to  Advertiser  site through Host within 24 hours.  PWI shall
process payout to Host on the 15th day of the following  calendar month (or next
business  day  should  the 15th be on a national  holiday  or  weekend)  in U.S.
dollars for all  commissions  earned for the prior period  provided  that payout
equals or exceeds $25.00 for

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U.S./Canadian  accounts  and  $100.00  for  international  accounts.  If account
balance does not reach these  minimum  amounts,  payment  will be carried  forth
until the next payout  cycle.  If these  minimum  amounts  have not been reached
within a year, accounts will be removed from the PWI accounting database. Checks
for U.S. accounts will be mailed via first-class  postage.  Checks not cashed or
deposited after one year of the date of issuance will be canceled.  All accounts
which  require   international   wire-transfer   (request  sent  via  e-mail  to
accounting@pennyweb.com)  will be  charged  a $30.00  transaction  fee.  Host is
responsible  for  removing  the  Advertiser  's  banner(s)  from  their  site if
Advertiser  cancelled  the account  with Host or PWI  terminated  Advertiser  's
account.  Host can choose to stop  directing  visitors  to their sites to one or
more Advertisers at any time.

Hosts should check their  accounts at least once a week for any  termination  of
Advertisers  ' accounts by PWI. In addition to this weekly  check,  Hosts should
review  their  account  activity  on the 1st of the month for any changes in the
commission  rate granted by  Advertiser , or any  cancellation  of Advertiser 's
account.  Hosts agree to be  compensated  on the basis of the changes  which may
have occurred  concerning  Advertisers ' accounts,  regardless of whether or not
they checked their Host Account  activity.  PWI is not responsible for notifying
Hosts of any changes which may affect their  commissions.  PWI compensates  host
through this  Agreement as an entity  providing a service,  with no expressed or
implied employment relationship.

The term of this Agreement  shall be  continuous,  unless and until either party
notifies the other in writing,  with at least 24 hours  notice,  that such party
desires to terminate the Agreement.  Termination is at will, for any reason,  by
either  party.  For  all  purposes  of  notification,  delivery  via  e-mail  is
considered a valid form of notification.

Upon any  termination of this  Agreement,  Participant and PWI shall be released
from all obligations and liabilities to the other occurring or arising after the
date of such a termination or the transactions  contemplated hereby, except with
respect  to those  obligations  which by their  nature are  designed  to survive
termination; provided that no such termination will relieve Participant from any
liability  arising from any breach of this Agreement prior to termination.  Upon
termination  of this  Agreement,  Host shall be  entitled  only to those  unpaid
commissions,  if any,  earned  by Host on or prior  to the  date of  termination
provided that the total balance of all Host accounts  equals or exceeds  $25.00.
Upon  termination  of this  Agreement,  Advertiser  shall be entitled  only to a
refund of remaining  deposit,  if any,  provided that deposit  equals or exceeds
$25.00.

PWI shall  e-mail any  changes to this  Agreement  at least 3 days in advance of
their effectiveness.  Participant agrees to be responsible for reading and to be
bound by the new  agreements,  regardless  of  whether  or not  Participant  has
actually accessed such information.

If any provision of this Agreement,  or the application thereof to any Person or
circumstance,  shall be held invalid or unenforceable  under any applicable law,
such invalidity or unenforceability shall not affect any other provision of this
Agreement  that  can be  given  effect  without  the  invalid  or  unenforceable
provision,   or  the   application   of  such  provision  to  other  Persons  or
circumstances, and, to this end, the provisions hereof are severable.

You are not permitted to:

     o    Change any design of an advertiser's banner.
     o    Host using a Warez web site or any site that may infringe on another's
          copyright.
     o    Have any adult content in the sites that are hosting our banner.
     o    Use  advertisers  as a contest or any other money  making  opportunity
          (without prior authorization).

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     o    Send  commercial  E-Mail "Spam E-Mail" to promote an advertiser  click
          program

At all times this agreement is in force and after its expiration or termination,
PennyWeb  users  agree  to  refrain  from  disclosing  trade  secrets,  or other
confidential  material.  All users agree to take reasonable security measures to
prevent  accidental  disclosure  of  Pennyweb  confidential  information.  After
expiration  or  termination  of this  agreement  users agree not to compete with
PennyWeb for a period of 2 years.  The effective  date of this  Agreement is the
day on which participant creates an account in the PWI Program.EXHIBIT 10.14

ClickAgents.com

Click  Agents  Corp.  reserves  the right to  terminate  any host account on any
legitimate  reason they choose.  All legitimate  funds will be issued during the
next  payout  period  and  will be  given an  email  notice  within  24 hours of
cancellation for the reason.

When applying to the Click Agents Network,  you agree that all materials on your
site are licensed by you or owned by you.  ClickAgents is not reponsible for any
unlicensed material on your site.

Host  agrees  that  through  this  relationship,  you do not hold  Click  Agents
responsible for any and all losses,  claims,  expenses,  suits, damages,  costs,
demands or  liabilities,  arising from any and all claims and  lawsuits,  or any
other means of business practice.

Host agrees not to hold Click Agents  reponsible  for any copyright or trademark
violations from either member or advertiser sites.

The  host  agrees  to  settle  any  dispute  under  this  contract   restraining
arbitration in the courts of California.

If any  condition  said in this  contract  can not be held valid in any court of
law. Then the remaining provisions, still remain in full enforcement.

This  agreement may change  anytime and will be renewed  whenever  necessary.Any
changes made to this agreement may or may not be notified.

If any host commits fraud to the network or violates any of our conditions, then
legal action may take place to recover any damages done to the network.

Host agrees not to alter or modify the code without the proper  permission  from
the Click  Agents  network.  Host  also  agrees  not to load any ads from  their
server,  the ads must be rotated  through  our  network  for  proper  issuing of
credit.

Host agrees to comply with, subject to termination of their Click Agents account
and forfeit of all monies earned, the following Banner Placement Rules:

Banner Placement Rules

---------------------------
1. Every banner must be from our server, located at  http://www.clickagents.com,
via our CGI script  (banner.ca).  Attempts to misguide  people into  clicking on
other  images,  text or  javascript  that  links to our server is  strictly  not
allowed.
2. Any alteration of the HTML code in an attempt to artifically inflate earnings
is strictly not allowed. The size of the image and link URLs must not be changed
in any way.
3. Banners must be placed on pages with other content, not just other banners.
4. You may not entice  people to click on the  banner on your web page.  You may
tell them  about a  particular  product  or  service in a way that will make the
people viewing your web page interested about it, but clicking on the banner, or
begging  people to click on the  banner,  for the sake of  earning  money is not
allowed.
5. Spawning of new browser windows, automatic redirection, and auto-updating web
pages, if used in our opinion to artifically inflate traffic is not allowed.
6. Banners must only be placed on the site (index page and  sub-pages)  that you
specify  when  joining up. If you wish to place the banner on a  different  site
then  you  must  register  a  new   username.   For  instance  if  you  register
www.mysite.com  then you can place  banners on any page  within  www.mysite.com,
however if you wish to place any  banners on pages in  www.myothersite.com  then
you need to register the new site with a new username.
7. Spamming with emails, on newsgroups and other methods is strictly  forbidden.
We log every click-through,  and if any clicks are found to have originated from
newsgroups, or spam emails the account in question will instantly be deleted.
8.  Accounts that are not used (do not register any views or clicks) for 28 days
will be deleted from the server.

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We take no  responsibility  for technical  problems beyond our control,  such as
server downtime or  network/Internet  trouble.  If due to technical  failure the
banners cannot be shown we reserve the right not to pay out during this time.

We retain the right to delete the accounts of, and refuse  payments to any users
found to be violating the above rules.  If you have any questions  please get in
touch before placing the banner on your page, we will answer your queries within
one working day.

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