Document:

Exhibit 10.8

                  Merchant Referral Portal Marketing Agreement

      THIS AGREEMENT, is hereby entered into this 3rd day of January, 2000
between Integrated Merchant Services, Inc. (hereinafter referred to as "IMS"),
and Ubuy.com, Ltd (hereinafter referred to as "UBUY").

      WHEREAS, IMS offers electronic credit card authorization and payment
systems to merchants ("Merchant Accounts").

      WHEREAS, UBUY provides a variety of money saving benefits and services
programs ("Ubuy Programs") to the public through their membership, affinity
and/or employment with UBUY's clients who are predominantly Associations,
Fundraising Organizations, ISPs, Supermarkets, Telecommunications companies and
businesses ("UBUY Members").

      WHEREAS, UBUY has developed a Portal program (JUOL Program) which contains
industry specific portals and sub-portals, that introduce the UBUY benefits and
services via the Internet to its Members through JoinUsOnline.com, a UBUY
program.

      WHERAS, UBUY has an Industry Specific Business Internet Portal that
includes a variety of business related services and products.

      WHEREAS, IMS wishes UBUY to include Merchant Accounts in the Business
Portal through the JUOL Program and through UBUY's normal marketing channels.

      NOW, THEREFORE, for good and valuable considerations, the receipt and
adequacy of which are hereby acknowledged, the parties, intending to be legally
bound, agree as follows:

      1.    IMS shall introduce two (2) types of programs ("Merchant Program").
            One for merchants to change their processing over to IMS and the
            other is to purchase processing equipment, software and/or an
            Internet shopping cart.

      2.    UBUY is an independent contractor of IMS, and is solely responsible
            for the time, manner and place of performance of its duties under
            this Agreement.

      3.    UBUY agrees that during the term of this Agreement, IMS shall be the
            exclusive provider of Merchant Accounts in the Business Industry
            Specific Internet Portal in the UBUY Program.

      4.    IMS agrees that during the term of this Agreement, UBUY shall be its
            exclusive Internet Portal provider and Internet Banner and affiliate
            representative.

TERM
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      5.    The Term of this Agreement shall be for a period of three (3) years
            subject to automatic renewals of the Term for successive one (1)
            year periods, unless either party terminates this Agreement by
            giving the other party written notice of said termination at least
            ninety (90) days prior to the expiration of the Term.

            (a)   This Agreement may be terminated by either party if the Portal
                  Technology and Software Agreement, executed on January 3, 2000
                  between the parties, is terminated.

            (b)   Either party shall have the right to terminate this Agreement
                  in the event of a material default hereunder by the other
                  party, which default is not cured within thirty (30) days
                  after notice of the default is given by the party seeking to
                  terminate the term.

            (c)   Each party shall remain liable for services and any fees due
                  or accrued as of the effective date of termination of the
                  term, and for any and all covenants contained herein.

MARKETING, SALES and FEES

      6.    UBUY shall market the Merchant Programs to its UBUY members through
            its normal marketing channels, which include but are not limited to
            the following: Association advertisements, trade shows, e-mails,
            banner advertising, affiliate programs, membership programs

      7.    IMS may participate in any and all trade shows that UBUY
            participates in. IMS is responsible for its expenses.

      8.    UBUY shall also offer the IMS Merchant Accounts through the
            JoinUsOnline.com Internet Portal hosted by UBUY and included in some
            of the UBUY Programs. UBUY is responsible for all development and
            hosting fees associated with the Internet Portal.

      9.    UBUY shall submit all printed and scripted marketing materials to
            IMS for its approval.

      10.   IMS shall pay to UBUY the following fees for enrollment in one of
            the IMS Programs, according to the following terms and conditions:

            (a)   Change of processing - fifty ($50.00) dollars per Ubuy member
                  that changes its processing over to IMS, or

            (b)   Purchase - one hundred ($100.00) dollars per Ubuy member that
                  purchases processing equipment, software and/or an Internet
                  shopping cart.

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            (c)   UBUY shall also receive 5 basis points on the net Visa and
                  MasterCard processing volume generated by the UBUY Members
                  that enroll in one of the Merchant Accounts provided by IMS.

            (d)   UBUY shall remit all Member information along with any for
                  each program, in a computer compatible format on a weekly
                  basis or sooner.

            (e)   Said fees shall be paid by the fifteenth day of each month for
                  all programs.

            (f)   The UBUY fees in this Agreement will include a most favored
                  nations pricing guaranteeing that UBUY will always receive IMS
                  3 best fees for Merchant Accounts.

FULFILMENT AND CUSTOMER SERVICE

After a UBUY Member is provided to IMS, IMS shall provide all future services,
including but not limited to the application process, customer service and
ongoing support of the UBUY Member for the IMS services enrolled in.

      11.   Each party acknowledges that during the Term, it shall have access
            to the confidential information and trade secrets of the other,
            consisting of UBUY's customer list and information concerning IMS's
            methods of operations, attorney lists, systems, products, and
            membership information. Each party acknowledges and agrees that the
            foregoing confidential information is confidential and proprietary.
            Accordingly, each party agrees not to disseminate or use any
            confidential information of the other party for any purpose except
            as expressly authorized in this Agreement, whether during or after
            the termination of the Term within the geographical scope of the
            United States of America. Furthermore, IMS agrees that during the
            term of this Agreement and any time thereafter, UBUY's Client's and
            Members shall remain the sole property of UBUY and cannot be
            utilized for any other IMS or IMS successor's internal promotions,
            list enhancements or other list promotions by other companies, or
            for any other reason, without the written permission of U BUY.

      12.   IMS and UBUY declare that the territorial and time limitations,
            stated herein, are reasonable and properly required for the adequate
            protection of the business of IMS and UBUY. In the event that any of
            the territorial or time limitations are deemed to be unreasonable by
            a court of competent jurisdiction, then all parties agree and submit
            to the reduction of either the territorial or time limitation as the
            court deems reasonable.

      13.   Each party acknowledges that the other would be irreparably damaged
            by any breach of the covenants herein and that such damages could
            not be adequately remedied by damages. Accordingly, each party
            agrees that these covenants may be enforced by injunction against
            any breach or threatened breach, without waiving or affecting any
            claim for damages or other relief.

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      14.   Each party agrees to indemnify and hold the other harmless with
            respect to any and all losses, damages or expenses (including
            reasonable attorney's fees) which either party shall sustain as a
            result of the other's negligent, willful or wanton misconduct in
            carrying out the responsibilities in this Agreement.

MISCELLANEOUS

      15.   The parties agree that this Agreement shall be subject to and
            governed by the laws of the State of Florida. Venue shall be in
            Broward County, Florida.

      16.   The parties hereby agree if any provision of this Agreement is held
            to be invalid or unenforceable, all other provisions shall
            nevertheless continue in full force and effect.

      17.   The parties hereby agree that in the event a suit is initiated with
            reference to this Agreement by any party, the prevailing party shall
            be entitled to an award of reasonable attorneys fees and
            disbursements incurred by such party in connection therewith,
            including but not limited to fees and disbursements in
            administrative, regulatory, insolvency, bankruptcy and appellate
            proceedings.

      18.   The parties hereby agree that modification and waiver of any of the
            provisions of this Agreement shall be effective only if made in
            writing and executed with the same formality as this Agreement. The
            failure of any party to insist upon strict performance of any of the
            provisions of this Agreement shall not be construed as a waiver of
            any subsequent default or breaches of the same or similar nature.

      19.   The parties hereby agree that this Agreement contains the entire
            understanding of the parties and replaces any previous Agreements
            between the parties. There are no representations, covenants,
            warranties or undertakings other than those expressly set forth in
            this agreement.

      20.   This agreement shall be binding on and insure to the benefit of the
            respective parties hereto and their successors and assigns.

      21.   This Agreement may be executed in counterparts, each of which shall
            be deemed an original, but all of which together shall constitute
            one and the same instrument and may be delivered by facsimile;
            facsimile signatures shall have the force and effect of original
            signatures.

      22.   All notices required or allowed hereunder shall be in writing and
            shall be deemed given upon (1) hand delivery or (2) deposit of same
            in the United States Certified Mail, Return Receipt Requested, first
            class postage and registration fees prepaid and correctly addressed
            to the party for whom intended at the address listed in the first
            page hereof, or such other address as is most recently noticed for
            such party.

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      23.   All references to gender or number in this Agreement shall be deemed
            interchangeably to have a masculine, feminine, neuter, singular or
            plural meaning, as the sense of the text requires.

      24.   Each party represents and warrants to the other as follows:

            (a)   the execution, delivery and performance of this Agreement (1)
                  has been duly authorized by all necessary or appropriate acts
                  or proceedings, corporate or otherwise; (2) does not violate
                  or conflict with any provision of its respective Articles of
                  Incorporation, By-Laws, or standing resolutions; and (3) does
                  not violate or result in a breach or default (with the giving
                  of notice, the passage of time, or otherwise) under any
                  contract, understanding, judgment order, writ, law, or
                  regulation that is applicable to the representing party or its
                  assets.

            (b)   this Agreement is the valid, legal and binding obligation and
                  Agreement of the representing party, and is enforceable
                  against it in accordance with its terms.

            (c)   each representing party is a duly organized and validly
                  existing corporation, in good standing in the respective
                  jurisdiction of its incorporation.

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      IN WITNESS WHEREOF, this Agreement has been executed and delivered in the
manner prescribed by law on the date first written above.

Ubuy.com, Ltd

By:_______________________________

__________________________________
        Print Name/Title

Integrated Merchant Services, Inc.

By:_______________________________
        Print Name/Title

                                       6Exhibit 10.9

                    Portal Technology and Software Agreement

      This AGREEMENT, entered into this 3rd day of January, 2000 by and between
Ubuy.com, Ltd. (hereinafter referred to as "UBUY") and Express Financial
Corporation ("EFC").

      WHEREAS, UBUY has developed a proprietary Internet Portal technology and
software that can be customized for different industries and customers
(hereinafter referred to as the "Portal").

      WHEREAS, EFC is a mortgage banker that provides mortgages to consumers and
businesses.

      WHEREAS, UBUY and EFC have executed a "Mortgage Lead Portal Marketing
Agreement", that provides UBUY the ability to offer the EFC mortgage products
and services to UBUY members.

      WHEREAS, EFC wishes UBUY to customize its Portal into a Financial Portal,
which one component of the Financial Portal will offer EFC products and
services, through the "Mortgage Lead Portal Marketing Agreement" executed
between UBUY and EFC.

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

      1. DUTIES OF UBUY

            a. UBUY will provide its Portal and customize it for EFC.

      2. DUTIES OF EFC

            a. In consideration for the services to be rendered by UBUY
hereunder, EFC shall pay the sum of $66,666.67 per month to UBUY, due and
payable on the first day of each month, over the term of this agreement, unless
terminated earlier according to the terms and conditions outlined in section 3
of this Agreement.

      3. TERM AND TERMINATION. The term of this Agreement is for three (3) years
and shall automatically renew on a yearly basis, unless EFC or UBUY provides the
other party with written notice within ninety (90) days of the annual
anniversary of this Agreement.

            a. Either party shall have the right to terminate this Agreement,
without cause, by providing the other party ninety (90) days written notice.

            b. Either party shall have the right to terminate this Agreement, if
other party is in material breach of this Agreement and fails after thirty (30)
days written notice to cure any such breach.
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            c. In the event either party wishes to exercise its right to
terminate this agreement pursuant to this paragraph, notice to terminate must be
made pursuant to section 6 of this Agreement.

      4. PORTAL MAINTENANCE AND SUPPORT. The ongoing support and maintenance of
the Portal will be provided by UBUY.

      5. PROPRIETARY INTERESTS. EFC agrees that the Portal is the property of
UBUY and is being customized for EFC.

      6. ENTIRE AGREEMENT. This Agreement represents the entire understanding of
the parties with respect to its subject matter and supersedes all previous
discussion and correspondence with respect thereto, and no representations,
warranties or Agreement, express or implied, of any kind with respect to such
subject matter have been made by either party to the other.

      7. NOTICES. Any notice to be given to EFC and UBUY shall be in writing and
shall be deemed to have been given on the same day as mailed by certified mail,
postage prepaid, return receipt requested, addressed to the respective parties
as follows, unless and until either party notifies the other in writing of a
different address:

IF TO UBUY:           Ubuy.com, Ltd.
                      110 East Atlantic Ave, SEFCe 400
                      Delray Beach, FL 33444

IF TO EFC:            Express Financial Corporation
                      1515 N. Federal Highway
                      The Atrium Financial Plaza
                      Suite 107
                      Boca Raton, FL 33432

      8. GOVERNING LAW. Disagreement and all questions as to interpretations,
performance and enforcement and the rights and remedies of the parties hereunder
shall be determined in accordance with the laws of the State of Florida. Should
any provision contained in this Agreement violate the laws of any State in which
this Agreement is to be performed, that provision shall be deemed void to the
extent it is so violated without invalidating any other provision contained
herein. Parties mutually and knowingly agree that any sEFC arising out of or
relating this Agreement shall be filed and adjudicated by a court in Broward
County, in the State of Florida.

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

Witness                                     Ubuy.com, Ltd.

___________________________                 By:_________________________________

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                                            ____________________________________
                                                   Name & Title (Print)

Witness                                     Express Financial Corporation

___________________________                 By:_________________________________

                                            ____________________________________
                                                   Name & Title (Print)

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