Document:

f10ksb2007ex10vi_mtgbroker.htm

    
      Exhibit 10.6

      FULLY
PARTICIPATING

       

      SERVICE LEVEL
AGREEMENT

      
        
          

        

      

      

    

    THIS SERVICE
LEVEL AGREEMENT
(the “Agreement”) is made the ____ day of _______________, 2006,

     

    B
E T W E E N:

     

    MORTGAGEBROKERS.COM FINANCIAL GROUP
OF COMPANIES, INC.,

     

    260
Edgeley Boulevard, Suite 11,

    Concord,
ON

    L4K
3Y4

     

    a
corporation incorporated under the laws of Canada

    (hereinafter
as the “Company”);

     

    - and
-

     

    
      
        

      
                                                                                     

      
        

      

       

        
          

        

      

       

        
          
                             

      

    

     

    a
corporation incorporated under the laws of the Province of
_____________

     

    (hereinafter
as “RE/MAX FRANCHISEE”).

     

    RECITALS

     

    WHEREAS pursuant to the
specific terms and conditions of a strategic marketing alliance and mortgage
solution license agreement (“Strategic Alliance Agreement”) that was executed on January 27, 2006 between RE/MAX
Ontario-Atlantic Canada Inc. (the “Master Franchisor”) and MortgageBrokers.com
Holdings, Inc. (“MBKR.OB”), the parent corporation that wholly owns the
Company,

     

    And
whereas the RE/MAX FRANCHISEE, a Real Estate Broker and Franchise owner, desires
to participate in the strategic alliance and related services (the “Mortgage
Broker Solution”) described in detail in the aforementioned Strategic Alliance
Agreement under the terms and conditions described herein,

     

    SERVICE
COVENANTS

     

    NOW THEREFORE in consideration
of the mutual covenants herein contained and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereby agree as follows:

     

    
       

       

      
        
          	
                   

                	
                  Page 1 of 
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                  SERVICE
      LEVEL AGREEMENT

                
	 
      

        

    

     

    
      	
              1.  

            	
              The
      term of this agreement (“Term”) shall be from the date first above written
      for a period of one (1) year, unless otherwise terminated as provided
      herein below.  The Agreement shall automatically renew for
      successive one (1) year Terms, unless otherwise terminated as provided
      herein below.

            

    

     

    
      	
              2.  

            	
              The
      Company shall provide the Mortgage Broker Solution, the current key elements of which are summarized in Schedule A and detailed
      in the afore-mentioned Strategic Alliance Agreement, to the RE/MAX
      FRANCHISEE which provides referral commission revenue on a mortgage
      transaction basis to the Master Franchisor, RE/MAX FRANCHISEE and the
      RE/MAX FRANCHISEE’s sales associates as well as an opportunity for the
      RE/MAX FRANCHISEE to earn stock warrants for common shares of the
      Company’s publicly traded parent company MortgageBrokers.com Holdings,
      Inc. (“MBKR.OB”).

            

    

     

    
      	
              3.  

            	
              In
      consideration for delivery of the Mortgage Broker Solution by the Company,
      the RE/MAX FRANCHISEE shall:

            

    

     

    
      	
              a.  

            	
              Actively
      promote the Mortgage Broker Solution throughout the RE/MAX FRANCHISEE’S
      business operations and sales associate
network;

            

    

     

    
      	
              b.  

            	
              Participate
      in a RE/MAX strategic advisory council, as may be requested from time to
      time by the Company and Master
Franchisor;

            

    

     

    
      	
              c.  

            	
              During
      the launch of the Mortgage Broker Solution, work collaboratively with the
      Company to establish Company mortgage specialist business development
      officers (“Mortgage Specialist BDOs”), as mutually agreed upon, to service
      the RE/MAX FRANCHISEE’s offices;

            

    

     

    
      	
              d.  

            	
              Allow
      equal access to Company mortgage specialist BDOs to each RE/MAX FRANCHISEE
      office, when such office is open for business, as may be afforded to any
      other competitive mortgage agent.  Such access is to be provided
      by the RE/MAX FRANCHISEE at no cost to the Company or the Company’s
      Mortgage Specialist BDOs;

            

    

     

    
      	
              e.  

            	
              As
      appropriate and mutually agreed upon, work with the Company to promote the
      presence and marketability of the Company Mortgage Specialist BDO in the
      RE/MAX FRANCHISEE’s office;

            

    

     

    
      	
              f.  

            	
              As
      appropriate and mutually agreed upon, for those RE/MAX Franchisees that
      maintain their own World Wide Web (“www”) Marketing sites, work
      collaboratively with the Company to place a Master Franchisor co-approved
      or developed link on the RE/MAX Franchisee’s www site that markets the
      Mortgage Broker Solution to the Consumer and allows for ‘click through’
      functionality to allow the consumer to link to a mortgage referral
      environment;

            

    

     

    
       

       

      
        
          	
                   

                	
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                  SERVICE
      LEVEL AGREEMENT

                
	 
      

        

    

     

     

    
      	
              g.  

            	
              Work
      collaboratively with the Company to provide full disclosure to the
      consumer as may be required under any and all current and future laws and
      regulations applicable to the Master Franchisor, the RE/MAX FRANCHISEE or
      the Company.  Without limitation, such disclosure shall include
      information with respect to any distributed referral fee or volume bonus
      shares, that materially complies with the disclosure presented in
      Schedules “B” and “C”;

            

    

     

    
      	
              h.  

            	
              Meet
      with the Company’s regional sales manager from time to time to discuss the
      Mortgage Broker Solution, the mortgage sales pipeline, capture rates,
      marketing initiatives, and best practices; 

            

    

     

    
      	
              i.  

            	
              Work
      collaboratively with the Company and Master Franchisor to distribute
      commission fees to Sales Associates; and

            

    

     

    
      	
              j.  

            	
              Provide Manulife Financial with written or
      electronic notification indicating that a Sales Associate of the RE/MAX
      FRANCHISEE has: 1) transferred to another RE/MAX Franchisee of the Master
      Franchisor and inform Manulife Financial who that new RE/MAX Franchisee is
      so that the Sales Associate can continue with the Mortgage Broker Solution
      and Manulife Financial can make the necessary changes or 2) has terminated
      their association with RE/MAX and the Mortgage Broker Solution and must
      therefore be provided by Manulife Financial with a benefit options
      statement.

            

    

     

    
      	
              4.  

            	
              The RE/MAX FRANCHISEE agrees not to make any deduction from the amount
      from time to time deposited by the Company in the account designated for this purpose by the RE/MAX
      FRANCHISEE for the credit of
      the RE/MAX FRANCHISEE’s Sales Associates.  Rather the
      RE/MAX FRANCHISEE agrees to execute a Business Pre-Authorized Debit
      Authorization with Manulife Financial
      (attached as Schedule “D”).  Such authorization will authorize
      Manulife Financial to withdraw from the account of the RE/MAX FRANCHISEE the payments from time to time made by MBKR to
      the RE/MAX FRANCHISEE on behalf of its Sales
      Associates.

            

    

     

    
      	
              5.  

            	
              The
      Company and Company mortgage specialist business development officers
      agree that they will carry out the Mortgage Broker Solution in a manner
      that is professional, transparent, ethical, legal and fully compliant with
      any and all current and future laws and regulations applicable to the
      Master Franchisor, the RE/MAX FRANCHISEE or the Company.  The
      RE/MAX FRANCHISEE shall participate in the Mortgage Broker Solution in a
      manner that is similarly professional, transparent, ethical, legal and
      fully compliant with any and all current and future laws and regulations
      applicable to the Master Franchisor, the RE/MAX FRANCHISEE or the
      Company.  Both the Company and the RE/MAX FRANCHISEE agree to
      notify the other party, forthwith, following their becoming aware of the
      applicable misconduct or violation, of any misconduct or violation of any
      and all current and future laws and regulations applicable to the Master
      Franchisor, the RE/MAX FRANCHISEE or the Company, by the Company, the
      Company mortgage specialist business development officer, the RE/MAX
      FRANCHISEE or a RE/MAX FRANCHISEE sales
  associate.

            

    

     

    
      
         

         

        
          
            	
                     

                  	
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                  SERVICE
      LEVEL AGREEMENT

                
	 
      

        

    

     

    
      	
              6.  

            	
              In
      the event that either the RE/MAX FRANCHISEE or the Company materially
      breaches this agreement or otherwise fails to perform its obligations
      pursuant to this agreement in accordance with the terms of this agreement,
      the one of them not in default may terminate this agreement by providing
      to the other of them thirty (30) days notice specifying the
      breach.  The notice required shall demand immediate cure of the
      condition or conditions warranting termination, and shall advise that in
      the event the condition or conditions warranting termination specified in
      the notice are not cured within the thirty (30) day notice period, this
      agreement shall be terminated without further
  notice.

            

    

     

    
      	
              7.  

            	
              It
      is hereby agreed that it is the right of the Company to adjust the
      service, terms, conditions and remuneration associated with the Mortgage
      Broker Solution for successive Terms.  The Company shall provide
      the RE/MAX FRANCHISEE at least sixty (60) days written notice prior to the
      end of a Term of the Company’s intent to make any changes to the Mortgage
      Broker Solution.

            

    

     

    
      	
              8.  

            	
              The
      Agreement may be terminated without cause by either party at the end of
      the Term or each successive Term by providing at least thirty (30) days
      written notice prior to the end of the Term.  Failure to provide
      such notice will result in the automatic renewal of this Agreement for a
      successive Term.

            

    

     

    
      	
              9.  

            	
              MISCELLANEOUS

            

    

     

    
      	
              a.  

            	
              Entire
      Agreement:  This Agreement including any agreements
      incorporated by reference, and Schedules “A”, “B”, “C”, “D” and “E”
      attached hereto, constitute the entire agreement and understanding between
      the parties with respect to the Company’s provision of the Mortgage Broker
      Solution and supersedes any prior or contemporaneous written or oral
      agreements, representations and warranties between the parties respecting
      the subject matter hereof.  There are no warranties,
      representations or other agreements between the parties in connection with
      the subject matter hereof except as specifically set forth
      herein.

            

    

     

    
      	
              b.  

            	
              Relationship of
      Parties.  Each of the parties will be solely and entirely
      responsible for its acts and the acts of its agents, subcontractors,
      third-party service providers and employees during the performance of this
      Agreement.  Nothing contained in this Agreement shall be
      construed as creating a partnership, joint venture, agency, trust or other
      association of any kind, each party being individually responsible only
      for its obligations as set forth in this
  Agreement.

            

    

     

    
      	
              c.  

            	
              Confidentiality.  Each
      party hereto acknowledges that, during the term of this Agreement, each
      party may be required from time to time to disclose to the other party
      certain materials, information and data relating to such party's business
      (all of which is hereinafter referred to as "Confidential
      Information").  Each party hereto acknowledges that the other's
      Confidential Information, other than that which is publicly known, is
      confidential and proprietary information and constitutes trade
      secrets.  Each party agrees to exercise the same degree of care
      of the other party's Confidential Information that it does with its own
      Confidential Information and to confine knowledge of Confidential
      Information only to its employees who require such knowledge for use in
      the ordinary course and scope of their employment.  The parties
      hereto shall not, during the term of this agreement or thereafter, use,
      disclose, divulge or make available each other's Confidential Information
      to any third party either directly or indirectly in any manner whatsoever
      without the prior written consent of the other
  party.

            

    

     

    
      
         

         

        
          
            	
                     

                  	
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                  SERVICE
      LEVEL AGREEMENT

                
	 
      

        

    

     

    
      	
              d.  

            	
              Notice.  Any
      notice or other communication required to be given under this Agreement
      must be in writing given by facsimile, personal delivery, ordinary mail or
      by prepaid certified or registered mail to the current address of record
      of the respective party.

            

    

     

    
      	
              e.  

            	
              Errors and
      Omissions.  The RE/MAX FRANCHISEE shall maintain errors
      and omissions insurance, providing for coverage in the form as required by
      the laws governing in the jurisdiction(s) where the RE/MAX FRANCHISEE
      carries on business in such amount as is required by law, and provide
      evidence of such coverage to the Company within two (2) Business Days upon
      request.

            

    

     

    
      	
              f.  

            	
              Limitation of
      Liability. Neither the Company nor the RE/MAX FRANCHISEE, or
      any of either party’s respective successors, assigns, directors, officers,
      shareholders, employees or agents will be liable to the other or any
      successor thereto or subsidiary or shareholder thereof for any conduct or
      action taken or not taken by it in the course of its performance of the
      services required hereunder unless such conduct, action or inaction was
      taken in bad faith or with negligence or willful
    misconduct.

            

    

     

    
      	
              g.  

            	
              Governing
      Law.  This Agreement shall be construed in accordance
      with the laws of the Province of Ontario and the laws of Canada applicable
      therein without regard to principles of conflicts of laws or choice of
      law.

            

    

     

    
      	
              h.  

            	
              Assignment.  Neither
      the RE/MAX FRANCHISEE nor the COMPANY may assign this Agreement, or any of
      its rights, title or interest in this Agreement, to any person without the
      prior written consent of the other; provided that the Company may assign
      or outsource any or all of the Services under this Agreement to a
      subsidiary or affiliated body corporate (as such term is defined in the
      Canada Business Corporations Act, or such similar
      legislation).

            

    

     

    
      	
              i.  

            	
              Severability.  Each
      of the provisions contained in this Agreement is distinct and severable
      and a declaration of invalidity or unenforceability of any provision by a
      court of competent jurisdiction will not affect the validity or
      enforceability of any other provision of this
  Agreement.

            

    

     

    
      	
              j.  

            	
              Amendments.  Subject
      to the terms of this Agreement and unless otherwise specified herein, this
      Agreement may be amended in writing at any time only upon the mutual
      agreement of all parties hereto.

            

    

     

    
      
         

         

        
          
            	
                     

                  	
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                  SERVICE
      LEVEL AGREEMENT

                
	 
      

        

    

    IN WITNESS WHEREOF this
Agreement has been executed by the parties hereto on the date first above
written.

     

    MortgageBrokers.com
Financial Group of Companies, Inc.

     

    I have
the authority to bind the corporation,

     

    

     

    by:                                                                           

    Alex
Haditaghi

    C.E.O.

     

    RE/MAX
____________________________________

     

    I have
the authority to bind the corporation,

     

    

     

    by:                                                                           

    [Name:]

    [Title:]

     

    

     

    

    
      
         

         

        
          
            	
                     

                  	
                    Page 6 of 
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                      SCHEDULE
      A

                      SERVICE
      LEVEL AGREEMENT

                    

                  
	 
      

          

      

    

    

     

    

     

    SCHEDULE
A

     

    The
Mortgage Broker Solution

     

    Ownership
● Leverage ● Profit Sharing ● Retention ● Value Creation

     

     

     

    
      
         

         

        
          
            	
                     

                  	
                    Page 7 of 
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                    SCHEDULE
      A

                    SERVICE
      LEVEL AGREEMENT

                  

                
	 
      

        

    

     

    Licensure

     

    The
Mortgage Broker Solution is being made available exclusively to the Master
Franchisor’s Franchisees under the terms of a 10 year License Agreement that is
renewable for an additional ten years.

     

    Service

     

    The
following describes the key elements of the Company and Master Franchisor
service contemplated as part of the Mortgage Broker Solution to be established
for each RE/MAX FRANCHISEE office:

     

    RE/MAX
may refer customers to the Mortgage Broker Solution directly to the assigned
Mortgage Specialist Business Development Officer (Mortgage Specialist
BDO).  The referral may also be provided indirectly via an on-line
World Wide Web (“www”) referral and application system.

     

    The
following describes the Mortgage Broker Solution service team:

     

    
      	
              ·  

            	
              a
      RE/MAX strategic advisory committee will be established representing the
      Company, the Master Franchisor and the RE/MAX Franchise network and the
      participants may vary each year, as mutually decided upon by the Company
      and Master Franchisor.  The advisory committee will be
      structured and tasked with providing ongoing feedback, knowledge and
      business intelligence transfer, and problem solving ongoing issues related
      to the Mortgage Broker Solution.

            

    

     

    
      	
              ·  

            	
              the
      Company will arrange for a Mortgage Specialist BDO to be generally
      assigned to each office.  Where warranted, a Mortgage Specialist
      BDO may manage the relationships at several smaller Participant offices or
      several Mortgage Specialist BDOs will be assigned to larger Participant
      offices.  The Mortgage Specialist BDO will be part of a service
      team of regional Mortgage Specialist BDOs, structured to provide
      geographic and temporal coverage and provide flexibility to respond to
      language and cultural
sensitivities.

            

    

     

    
      	
              ·  

            	
              all
      customer files will be reviewed by an independent Compliance Officer to
      screen for fraud and licensure non-compliance, subject to compliance with
      all privacy legislation.

            

    

     

    
      	
              ·  

            	
              the
      Company back office administration will manage the revenue pipeline and
      manage the reporting systems.

            

    

     

    
      	
              ·  

            	
              the
      Company will provide to each RE/MAX FRANCHISEE as well as the Master
      Franchisor with a lead referral and sales data report on a no less than
      quarterly basis for management purposes, and such other information as the
      Master Franchisor may from time to time reasonably
  request.

            

    

     

    
      
         

         

        
          
            	
                     

                  	
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                  SCHEDULE
      A

                  SERVICE
      LEVEL AGREEMENT

                

              
	 
      

      

     

     

    
      	
              ·  

            	
              The
      Company will ensure that the Company’s mortgage agents are aware of the
      preferential relationship the Master Franchisor has with its preferred
      lender, Toronto Dominion Bank, Canada Trustco Mortgage Company and The
      Canada Trust Company (collectively “TD Canada Trust”) and that the
      Company’s mortgage agents act with that awareness in mind as applicable
      and all things being equal.

            

    

     

     

     

     

     

     

     

     

     

    
      
         

         

        
          
            	
                     

                  	
                    Page 9 of 
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                    SCHEDULE
      A

                    SERVICE
      LEVEL AGREEMENT

                  

                
	 
      

        

    

    Transaction-based
Referral Commission Revenue

     

    The
Company will direct deposit earned fees on a weekly basis to the Master
Franchisor and RE/MAX FRANCHISEEs accompanied with electronic statements of
account for further disbursement to Sales Associates.

     

    Schedule
“E” of this document is a Mortgage Referral Form for use in the referral
process, the contents of which may be modified from time to time.

     

    Commission
fees payable by lenders for origination are transaction based commission fees as
may be negotiated by the Company (“Finders Fee”).  Finders Fees do not
include any origination threshold volume based bonus (“Volume Bonus”) that a
lender may pay the Company from time to time.

     

    Volume
Bonus Lenders

     

    For
transactions placed with lenders who pay the Company a Finders Fee and Volume
Bonus, the Master Franchisor, RE/MAX FRANCHISEE, and RE/MAX FRANCHISEE Sales
Associate (collectively, the “RE/MAX Organization”) shall be entitled to revenue
sharing of mortgage origination Finders Fees received by the Company as a result
of a referral or lead generated by the Master Franchisor, REMAX FRANCHISEE or
RE/MAX Sales Associate.  Based on the particular Finders Fee paid by
the lender in a mortgage transaction, the RE/MAX Organization shall be paid a
referral fee (‘Referral Fee’) based on the following:

     

    Residential:

     

    
      	
              a.  

            	
              The
      Referral Fee will equal sixty percent (60%) of Finders Fees up to 45 basis
      points (0.45%) of the mortgage
amount;

            

    

     

    Commercial:

     

    
      	
              b.  

            	
              The
      Referral Fee will equal twenty-five percent (25%) of the Finders/Broker
      Fees up to 30 basis points (0.30%) of the mortgage
  amount;

            

    

     

    The
Referral Fee, which generally will amount to 45 basis points (‘bps’) for
residential mortgage origination, will be split for disbursement amongst the
RE/MAX Organization, as follows:

     

    
      	
              Stakeholder

            	
              Referral
      Fee Split%

            	
              Referral
      Fee Split (based on 45 bps)

            
	
              Sales
      Associate

            	
              33%

            	
              15
      bps

            
	
              RE/MAX
      FRANCHISEE

            	
              28%

            	
              12.5
      bps

            
	
              MASTER
      FRANCHISOR

            	
              17%

            	
              7.5
      bps

            
	
              RE/MAX
      Corporate Contribution to Sales
      Associates

            	
              20%

            	
              9 bps

            
	
              RE/MAX Corporate Contribution to Manulife Financial for
      administrative fees

            	
              2%

            	
              1bps

            

    

     

    
      
         

         

        
          
            	
                     

                  	
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                    SCHEDULE
      A

                    SERVICE
      LEVEL AGREEMENT

                  

                
	 
      

        

    

     

    Arrangements are being made with Manulife Financial to
enable each RE/MAX Sales Associate to have either a registered or a
non-registered savings plan with Manulife Financial.   Each Sales
Associate, to be eligible to receive a referral fee, will be required to
establish a personal savings plan with Manulife Financial.  Details
with respect to the available plans and how each Sales Associate may establish a
plan will be sent to the Franchisee for distribution to its Sales Associates as
soon as details of the plan are finalized.

     

     

    Note:  Currently the RE/MAX
Corporate Contribution includes an administration fee of 1 bps out of the referral fee
split on account of the fees payable to Manulife Financial for creating
and managing the RSPs and NRSPs for
RE/MAX Sales Associates.

     

     

    Non-Volume
Bonus Lenders

     

    In cases
where a lender does not pay a corporate volume bonus (Home Capital Group,
Private Lenders, etc.) the commission split varies from the standard commission
split.  Where the deals funded with non volume lenders originated from
the RE/MAX FRANCHISEE sales associates, 20% of the commission fee is taken off
the top for the Company, and out of the remaining 80%, 48% of the Finders Fee
(or an effective 38.4% of the total commission fee) will be paid to the RE/MAX
Organization as a Referral Fee up to 45 bps, distributed on a Pro Rata basis as
to Volume Bonus Lender Referral Fees.

     

     

    Renewal
and Refinancing

     

    In the
case of a renewal or refinancing of a mortgage for which a Finders Fee was
payable pursuant to the aforementioned sections, such number of basis points
shall be distributed as shall be equitable having regard to prevailing practices
at the time of such renewal or refinancing.

     

    Schedule
1

     

    Each
RE/MAX FRANCHISEE will also be eligible to receive stock warrants for common
shares of the Company’s publicly traded parent company MortgageBrokers.com
Holdings, Inc. as more particularly described in Schedule 1 hereto.

     

    

    
      
         

         

        
          
            	
                     

                  	
                    Page 11 of 
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                  SCHEDULE
      1

                  SERVICE
      LEVEL AGREEMENT

                

              
	 
      

      

    

     

    

     

    

     

    

     

    SCHEDULE
1

     

    Volume
Incentive Share Ownership Program

     

    

    
      
         

         

        
          
            	
                     

                  	
                    Page 12 of 
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                    SCHEDULE
      1

                    SERVICE
      LEVEL AGREEMENT

                  

                
	 
      

        

    

    SCHEDULE 1 – RE/MAX
PARTICIPATING FRANCHISEE

     

    Stock
Warrants may be earned annually by a RE/MAX FRANCHISEE for aggregate
referrals from their Sales Associates leading to annual mortgage origination
volume sales for the Company (as may be calculated in Table B of this Schedule
1), pursuant to a Warrant Agreement, as detailed here-in.

     

    

     

    TABLE B

    
      	
              RE/MAX
      Annual Stock Warrant Performance Plan

            
	
              Annual
      Mortgage Origination

              Or Referred Agent “Book of
      Business”

            	
              Amount
      payable in Stock Warrants

            
	
              Volume
      ($ CDN)

            	
              (USD
      $ ) Dollars Worth of Shares

            
	
              $5,000,000

            	
              1,500

            
	
              $20,000,000

            	
              6,000

            
	
              $30,000,000

            	
              9,000

            
	
              $40,000,000

            	
              12,000

            
	
              $50,000,000

            	
              15,000

            
	
              $60,000,000

            	
              18,000

            
	
              $70,000,000

            	
              21,000

            
	
              $80,000,000

            	
              24,000

            
	
              $90,000,000

            	
              27,000

            
	
              $100,000,000

            	
              30,000

            
	
              $150,000,000

            	
              45,000

            
	
              $200,000,000

            	
              68,410

            
	
              $250,000,000

            	
              80,301

            
	
              $300,000,000

            	
              94,320

            
	
              $1,000,000,000

            	
              300,000

            

    

     

     

    
      
         

         

        
          
            	
                     

                  	
                    Page 13 of 
      18

                  

          

           

        

      

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
       

      
        
          	
                   

                	
                  
                    SCHEDULE
      1

                    SERVICE
      LEVEL AGREEMENT

                  

                
	 
      

        

    

     

    RULES FOR STOCK WARRANTS
EARNED ON ANNUAL VOLUME

     

    General Rules and
Conditions

     

    
      	
              1.  

            	
              Only
      RE/MAX FRANCHISEEs
      are eligible to earn stock warrants pursuant to the Mortgage Broker
      Solution.

            

    

     

     

    
      	
              2.  

            	
              Annually
      earned stock warrants will have the following vestment periods prior to
      being exercisable by the RE/MAX
      FRANCHISEE:

            

    

     

     

    
      	
              a.  

            	
              The
      RE/MAX FRANCHISEE is
      entitled to exercise stock warrants (Table B) earned during the first
      three (3) years immediately following the Effective Date (hereafter
      referred to as the “Initial Vestment Period”), at the end of year five (5)
      immediately following the Effective Date;
and,

            

    

     

     

    
      	
              b.  

            	
              stock
      warrants earned in each consecutive two (2) year period following the
      Initial Vestment Period (hereafter referred to as the “Vestment Period”)
      can be exercised two years following the end of each respective
      consecutive 2 year Vestment Period.

            

    

     

     

    
      	
              3.  

            	
              If
      the RE/MAX
      FRANCHISEE terminates the agreement with the Company, at any time
      prior to the end of the Initial Vestment Period or successive Vestment
      Periods, the RE/MAX
      FRANCHISEE will not be eligible to receive any stock warrants what
      so ever for performance during a partially completed Initial Vestment
      Period or successive Vestment
Period.

            

    

     

     

    
      	
              4.  

            	
              The
      numbers in the above table are not exact, and the table is provided only
      as a guideline for reference to the RE/MAX
      FRANCHISEE.  The Company and it’s Board reserves the
      right to adjust the share issue formulae to increase or decrease the
      shares that might be issued through PATH or on a annual mortgage
      origination volume basis relative to Table B presented in this Schedule 1
      or to eliminate the programs completely in the future to manage the
      Company’s capital structure.  The Company agrees to provide 90
      days notice to the RE/MAX Organization of any such
  changes.

            

    

     

     

    
      	
              5.  

            	
              Warrant
      values for stock warrants earned during the Initial Vestment Period will
      be established as the twenty (20) day average closing price following the
      commencement of the Initial Vestment Period.  Warrant values for
      stock warrants earned during each consecutive Vestment Period will be
      established as the twenty (20) day average closing price following the
      commencement of the respective Vestment Period.  The warrant
      minimum value will be established at USD
$1.00.

            

    

     

     

    
      	
              6.  

            	
              The
      warrants, including exercise price, are subject to the terms and
      conditions of a Warrant Agreement to Purchase Shares of Common Stock of
      MortgageBrokers.com Holdings, Inc. which will incorporate a leak-out
      provision, transfer rights provision, registration rights provision, and
      will describe all related warrant rights, privileges and
      restrictions.

            

    

     

    
      
         

         

        
          
            	
                     

                  	
                    Page 14 of 
      18

                  

          

           

        

      

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

     

     

    
       

      
        
          	
                   

                	
                  
                    SCHEDULE
      B

                    SERVICE
      LEVEL AGREEMENT

                  

                
	 
      

        

    

     

     

     

    SCHEDULE
B

     

    

     

    In the
event a mortgage is secured by MortageBrokers.com Financial Group of Companies,
Inc. (“MBKR”) on behalf of the [Purchaser] as a result of the
referral by [RE/MAX FRANCHISEE], then
an aggregate amount of no more than 0.45% of the principal amount of the
mortgage will be paid as a finder’s fee by MBKR to be divided among Re/Max Ontario-Atlantic
Canada Inc., [RE/MAX FRANCHISEE] and
the salesperson acting as sales agent for the [Purchaser].  In
addition, [RE/MAX FRANCHISEE] is
eligible to receive, for no consideration, warrants potentially entitling [RE/MAX FRANCHISEE] to
receive an indeterminate number of shares of MortgageBrokers.com Holdings, Inc.,
dependent on the aggregate principal amount of mortgages secured for clients and
customers of [RE/MAX FRANCHISEE] as a
result of referrals by [RE/MAX FRANCHISEE]
to MBKR.

     

    

     

     

     

     

     

     

     

     

     

    
      
         

         

        
          
            	
                     

                  	
                    Page 15 of 
      18

                  

          

           

        

      

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

     

    
      
        	
                 

              	
                
                  SCHEDULE
      C

                  SERVICE
      LEVEL AGREEMENT

                

              
	 
      

      

     

     

     

     

    SCHEDULE
C

     

    [FORM
OF DISCLOSURE RE SELLER]

     

    

     

    

     

    [RE/MAX FRANCHISEE] is a participant in an
arrangement with MortgageBrokers.com Financial Group of Companies, Inc. (“MBKR”)] whereby, if a mortgage
is secured by MBKR by reason of a referral from a salesperson retained by [RE/MAX FRANCHISEE] an aggregate of no more than
0.45% of the principal amount of the mortgage will be paid as a finder’s fee by
MBKR to be divided among RE/MAX Ontario-Atlantic Canada Inc., [RE/MAX FRANCHISEE] and the salesperson acting
as sales agent for the purchaser.  In addition [RE/MAX FRANCHISEE] is eligible to receive, for
no consideration, warrants potentially entitling [RE/MAX FRANCHISEE] to receive an indeterminate
number of shares of MortgageBrokers.com Holdings, Inc., dependent on the
aggregate principal amount of mortgages secured for clients and customers of
[RE/MAX FRANCHISEE] as a result of referrals by
[RE/MAX FRANCHISEE] to MBKR.

     

    In the
event that a salesperson retained by [RE/MAX FRANCHISEE] is the agent for the buyer
of [identify property to be
listed] then a referral fee as described above will be paid in the event
a mortgage is issued as a result of a referral to MBKR by such
salesperson.

     

    

     

    

     

    

      
         

         

        
          
            	
                     

                  	
                    Page 16 of 
      18

                  

          

           

        

      

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    

    
       

      
        
          	
                   

                	
                  
                    SCHEDULE
      D

                    SERVICE
      LEVEL AGREEMENT

                  

                
	 
      

        

    

    

     

    SCHEDULE
D

     

    Manulife
Financial

     

    Business
Pre-Authorized Debit (PAD)

     

    

     

    

     

    

     

    

    
      
         

         

        
          
            	
                     

                  	
                    Page 17 of 
      18

                  

          

           

        

      

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

     

     

    
       

      
        
          	
                   

                	
                  
                    SCHEDULE
      E

                    SERVICE
      LEVEL AGREEMENT

                  

                
	 
      

        

    

     

    

     

    SCHEDULE
E

     

    Mortgage
Referral Form

     

    

     

    

     

    

     

    

    

     

    

    
      
         

         

        
          
            	
                     

                  	
                    Page 18 of 
      18f10ksb2007ex10vii_mtgbroker.htm

    
    

     

    Exhibit
10.7

     

                          THIS
LEASE made as of the 31st day of
JULY,  2007

    

    BETWEEN:

    

    MARK PHARMACEUTICAL SERVICES
INC.

    (Hereinafter called the
"Landlord")

     OF
THE FIRST PART

    - and -

    

    MORTGAGEBROKERS.COM INC.

    (Hereinafter called the
"Tenant")

     OF
THE SECOND PART

    

    
      	
              1.

            	
              Demise

            

    

    

    WITNESSETH
that in consideration of the rents, covenants, agreements and conditions
hereinafter reserved and contained on the part of the Tenant to be respectively
paid, kept, observed and performed, the Landlord hereby leases to the Tenant,
the condominium premises (herein called the "Demised Premises"), known
municipally as Units 11 and 12,  260 Edgeley Blvd., Concord, Ontario
L4K 3Y4, comprising approximately 6,720 square feet on main and second
floors.

    

    
      	
              2.

            	
              Term

            

    

    

    TO HAVE
AND TO HOLD the Demised Premises for a term of 5 years and 1 day commencing on
the 31st day of
July, 2007 (hereinafter referred to as the "Commencement Date") and to be fully
completed and ended on the 31st day of
July, 2012, unless such term shall be sooner terminated as hereinafter provided
and subject only to any right of renewal provided for herein.

    

    
      	
              3.

            	
              Rent

            

    

    

    
      	
               
      

            	
              a)

            	
              YIELDING
      AND PAYING THEREFOR during the term unto the Landlord, subject to
      adjustment as hereinafter provided, in lawful money of Canada, without any
      prior demand therefor and without any deduction, defalcation or set-off
      whatsoever the following amounts payable monthly in advance as follows:
      during the term hereof the annual basic rental of ONE HUNDRED AND FIVE
      THOUSAND NINE HUNDRED AND THIRTY SEVEN ----- 56/100 ($105,937.56) DOLLARS
      payable by equal consecutive monthly instalments of EIGHT THOUSAND EIGHT
      HUNDRED AND TWENTY EIGHT ---- 13/100 ($8,828.13) DOLLARS in advance on the
      first day of each and every month, the first instalment to be payable as
      of the commencement date of the
term;

            

    

    

    
      	
               
      

            	
              b)

            	
              The
      Tenant has provided the sum of TWENTY EIGHT THOUSAND AND SEVENTY
      THREE  ---- 45/100 ($28,073.45) DOLLARS in settlement of the
      rent due for the first (1st)
      month’s rent and last two (2) months of the term plus
    G.S.T.

            

    

    

    
      	
               
      

            	
              c)

            	
              The
      Tenant shall deliver to the Landlord, prior to the Commencement Date
      twelve (12) postdated cheques each in the amount equal to the monthly base
      rent provided herein plus the additional rent payment required under this
      Lease.  One month prior to the first and subsequent
      anniversaries of the Lease, the Tenant agrees to deliver twelve (12)
      postdated cheques to the Landlord.

            

    

    

    
      	
               
      

            	
              d)

            	
              (i)

            	
              A
      lease year shall be a period of twelve months commencing on the first day
      of a calendar month. The first day of the first lease year shall be the
      commencement date. If such first day would fall on other than the first
      day of a calendar month then the first lease year shall begin on the first
      day of the calendar month next succeeding such date on which it would
      otherwise have fallen and the term of this Lease shall be extended so as
      to terminate on the last day of the calendar month in which the last day
      of the term hereby demised would otherwise have fallen and rent and all
      other amounts and charges payable hereunder shall be prorated and paid for
      the extended portion of the term;

            

    

     

    
      

      
        	
                 
      

              	
                 

              	
                (ii)

              	Each lease year other than the first lease year shall
      commence on the day following the expiry of the immediately preceding
      lease year.

      

       

    

     

    
      	
              4.

            	
              The
      Tenant covenants with the Landlord to pay rent and to pay additional rent
      including:

            

    

    

    
      	
               
      

            	
              a)

            	
              Taxes and Common
      Expenses

            

    

     

    
      
        	
                 
      

              	
                 

              	
                From
      and after the commencement of the second year of the term and thereafter,
      the Tenant shall, in each and every year pay and discharge the
      increase,  from base year 2007, all taxes (including local
      improvement rates), duties and assessments, licence fees,  that
      may be levied, rated, charged or sent or assessed against the Demised
      Premises; without limiting the generality of the foregoing, every other
      tax, charge, rate assessment or payment which may become a charge or
      encumbrance upon or levy or collected upon or in respect of the Demised
      Premises or any part thereof, whether charged by any municipal,
      parliamentary or other body during the term hereby demised. Tenant shall
      also pay, as additional rent, any increase from base year 2007, in the
      common expenses chargeable by the Condominium Corporation for the Units
      forming the Demised Premises.

              

        
          	
                  INITIAL

                  o

                

        

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

       

       

    

    
      	
               
      

            	
              b)

            	
              Plate Glass
      Insurance

            

    

    

    The Tenant agrees at its own expense to
replace all plate and other glass damaged or broken from any cause and to
maintain proper and adequate insurance for this purpose and to furnish a
Certificate of Insurance to the Landlord as and when required.

    

    It is further agreed that if any
insurance policy shall be cancelled or the coverage therein reduced in any way
by the insurer by reason of the use of the Demised Premises or the occupation of
the Tenant, or any part thereof by the Tenant or by any assignee or sub-tenant
of the Tenant, or by anyone permitted by the Tenant to be upon the Demised
Premises, and if the Tenant fails to remedy the condition giving rise to such
cancellation or reduction of coverage within five (5) days after notice thereof
has been given by the Landlord, the Landlord shall have the option to
either:

    

    
      	
               
      

            	
              i)

            	
              Terminate
      this Lease forthwith by leaving upon the Demised Premises a notice in
      writing of the intention to do so and thereupon rent and any other
      payments for which the Tenant is liable under this Lease shall be
      apportioned and paid in full to the date of such termination of the Lease
      and the Tenant shall immediately deliver up vacant possession of the
      Demised Premises to the Landlord,
or

            

    

    

    
      	
               
      

            	
              ii)

            	
              Enter
      upon the Demised Premises and remedy the condition giving rise to such
      cancellation or reduction and the Tenant shall forthwith pay the cost
      thereof to the Landlord, which cost may be collected by the Landlord as
      rent in arrears.

            

    

    

    
      	
               
      

            	
              c)

            	
              Hydro,  Heat
      and Water

            

    

    

    To pay all hydro, water and gas rates
that may be levied, rated, charged, assessed against or attributed to the
Demised Premises.

    

    To pay for and maintain the electric
hot water tank supplying the Demised Premises.

    

    
      	
               
      

            	
              d)

            	
              Net
      Lease

            

    

    

    The Parties hereto hereby covenant and
agree that the within Lease is intended to be partially net and carefree to the
Landlord. The Tenant hereby acknowledges, covenants and agrees that except as
otherwise specifically provided for, it will indemnify and keep indemnified the
Landlord from all costs, charges, expenses, outlays or other expenses
attributable to the Demised Premises and the Tenant's occupation thereof.
Despite the foregoing, it is understood that the Landlord shall be solely
responsible for and shall pay to the complete exoneration of the
Tenant:

    

    
      	
               
      

            	
              (i)

            	
              All
      income or capital gains taxes, capital taxes or levies, or any other taxes
      personal to the Landlord;

            

    

    

    
      	
               
      

            	
              (ii)

            	
              All
      repairs or replacements to the structural portions and the roof structure
      of the Demised Premises and all repairs and replacements to the Demised
      Premises as a result of faulty construction, improper materials or
      workmanship, soil or land subsidence or structural defects and
      weaknesses;

            

    

    

    
      	
               
      

            	
              (iii)

            	
              All
      repairs, replacements, costs or expenses to the extent caused or
      contributed to by the negligence or willful acts or omissions of the
      Landlord or those for whom it is in law
  responsible;

            

    

    

    
      	
               
      

            	
              (iv)

            	
              All
      repairs, replacements, costs or expenses to the extent covered by
      insurance required to be maintained by the Landlord under this Lease, or
      otherwise maintained by the
Landlord.

            

    

     

    
      
        	
                 
      

              	
                (v)

              	
                
                  To
      supply the Demised Premises with Water  in accordance with the
      requirements of the law.

                

              

      

       

    

    
      
        
          	
                   
      

                	
                  (vi)

                	
                  
                    
                      To
      pay and satisfy all realty taxes, common expenses and any special
      assessments imposed  for the Demised Premises for the first year
      of the term and thereafter, shall be responsible for realty taxes equal to
      the base year 2007; any increase of base year taxes or common expenses,
      from and after the second year of the term, shall be the responsibility of
      the
Tenant.

                    

                  

                

      

    

    The
Tenant covenants and agrees to operate, maintain and keep the Demised Premises
in such good order and condition as would be kept by a reasonably careful owner
and to make promptly all needed repairs and replacements as shall be reasonably
necessary, excluding those matters for which the Landlord is responsible. All
repairs to the heating, ventilating and air-conditioning equipment and
electrical and plumbing systems servicing the Demised Premises shall be
completed by contractors, approved by the Landlord, at the Tenant’s
expense.

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

     

     

     

    
      	
               
      

            	
              d)

            	
              Compliance with
      Laws

            

    

    

    To comply promptly with the
requirements of every applicable statute, law and ordinance, and with every
applicable lawful regulation and order with respect to the removal of any
encroachment erected by the Tenant or to the condition, equipment, maintenance,
use or occupation of the Demised Premises and to comply with the applicable
regulations or orders of any liability or fire insurance company by which the
Tenant and/or Landlord may be insured and, except as herein specifically
provided, to assume the sole responsibility for the condition, operation,
maintenance and management of the Demised Premises.  Provided that if
a municipality makes a charge against the Tenant or against the Demised Premises
by reason of the Tenant failing to observe the requirements of any municipal or
provincial by-law or regulation, the Tenant shall pay such charge and if the
Tenant fails to do so upon demand, the Landlord may pay the amount of such
charge and recover the amount so paid in the same manner as rent in arrears and
with like powers of distress.

    

    
      	
               
      

            	
              e)

            	
              Inspection

            

    

    

    To permit the Landlord or the
Landlord's agents, at all reasonable times after not less than twenty-four (24)
hours oral notice (except in the case of an emergency in which case the Landlord
may enter at any time without notice) during the term hereof to enter the
Demised Premises to inspect the condition thereof; and, upon notice in writing
given by the Landlord to the Tenant of any want of repair for which the Tenant
is liable under the terms hereof, to rectify and make good any such defect in a
good and workmanlike manner within fifteen (15) days from the delivery of the
notice. Provided that if the Tenant shall not repair according to notice in
writing as herein provided, the Landlord may enter upon the Demised Premises
(without being liable for any disturbance or damage so caused) and may do such
repairs and add the cost thereof to the rent due on the next succeeding payment
date and such amount in addition to the regular payment then due shall
constitute rent hereunder.

    
      

      
        	
                 
      

              	
                f)

              	
                Repair

              

      

       

    

    At the expiration or sooner
determination of the said term, to peaceably surrender and yield up to the
Landlord the Demised Premises with all buildings, erections, driveways, parking
lots and appurtenances which existing at the Lease Commencement Date or which at
any time during the said term shall be made therein or thereon in good and
substantial repair and condition, save and except for reasonable wear and tear
and damage by fire or other casualty against which the Landlord is
insured.  Provided, that it shall be the obligation of the Tenant to
maintain the premises in a reasonable state of repair throughout the term of
this Lease such state of repair to be consistent with the state of repair and
condition that a prudent Landlord would maintain.

     

    
      
        

        
          	
                   
      

                	
                  g)

                	
                  Assignment and
      Sub-letting

                

        

         

      

    

    
    

    Not to assign, sub-let, license or part
with the possession of the Demised Premises or any part thereof or share the
occupation of the demise premises or any part thereof without the consent of the
Landlord in writing first had and obtained, such consent not to be unreasonably
or arbitrarily withheld.  Provided that as a condition of the granting
of its consent, the Landlord may require any assignee, sub-tenant, licensee or
occupant of the Demised Premises to execute an agreement whereby he, it or they
attorn to and become the Tenants of the Landlord as if he, it or they had
executed this Lease. The Tenant shall furnish the Landlord copies of any
assignment, sub-lease licence or other agreement herein contemplated; provided
that no assignment, sub-letting or licensing or parting with possession of the
Demised Premises shall in any way release or be deemed to release the tenant (or
any Guarantor hereof) from their obligations under the terms of this
Lease.  Provided further that the proposed assignee, sub-tenant,
licensee or occupant of the Demised Premises shall be required to provide
financial statements or other financial information as the Landlord may
required.  It is agreed that the Landlord may consider in determining
whether to grant consent, among other matters the following:

    

    
      	
               
      

            	
              i)

            	
              The
      personal and business history of the proposed assignee, occupant or
      sub-lessee and its key employees. The Tenant agrees to pay the reasonable
      legal fees of the Landlord's solicitor relating to the preparation of the
      Landlord's consent, and determination as to whether to give the
      consent.

            

    

    

    
      	
               
      

            	
              ii)

            	
              If
      the Tenant herein is a private corporation and if by sale, transfer or
      other disposition of its shares, the control of such corporation is
      altered so that 50% of the shares are transferred in any manner, then same
      shall be deemed as an assignment and the provisions of this paragraph
      shall apply.  The Tenant covenants and agrees to advise the
      Landlord forthwith if such a transfer is
  contemplated.

            

    

     

    
      	
               
      

            	
              h)

            	
              Liability
      Insurance

            

    

    

    To carry public liability insurance in
such amounts as shall from time to time be reasonable (but in no event less then
$2,000,000.00 inclusive of all injuries or deaths to persons or damage to
property of others arising from any one occurrence), in the name of both the
Landlord and the Tenant, and to pay the premiums for such insurance and to
deposit certificates
with respect to such insurance with the Landlord prior to taking occupation of
the Demised Premises, all such insurance to be carried in the company or
companies satisfactory insurance to be carried in the company or companies
satisfactory to the Landlord and be of a type and form satisfactory to the
Landlord; provided that if the Tenant shall fail to insure and keep insured as
herein provided, the Landlord shall be free to effect such insurance, at the
cost and expense of the Tenant, and the sum so expended by the Landlord shall be
added to the rent due on the next succeeding payment date and such amount in
addition to the regular payment then due shall constitute rent
hereunder.

    
    

     

    
      
        	
                INITIAL

                o

              

      

       

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

     

     

    
      
        	
                 
      

              	
                i)

              	
                Indemnification

              

      

       

    

    Notwithstanding the provisions of the
previous paragraph hereof, to indemnify and save harmless the Landlord from all
liabilities, damages, costs, claims, suits or actions arising out
of:

    

    
      	
               
      

            	
              i)

            	
              any
      breach, violation or non-performance of any covenant herein contained on
      the part of the Tenant;

            

    

    

    
      	
               
      

            	
              ii)

            	
              any
      damage to property howsoever occasioned by the use and occupation of the
      Demised Premises;

            

    

    

    
    

    
      	 	
              iii)

            	
              any
      injury to any person or persons, including death resulting at any time
      therefrom, occurring in or about the Demised Premises or any part thereof
      or resulting from the use and occupation of the Demised Premises during
      the term of this Lease from any cause whatsoever;
  and

            

    

    

    
      	
               
      

            	
              iv)

            	
              any
      other liability against which the Landlord is protected pursuant to
      sub-paragraph 5 (b) hereof.

            

    

     

    
      
        	
                 
      

              	
                j)

              	
                Neat and Tidy
      Maintenance

              

      

       

    

    To keep the Demised Premises and every
part thereof in a neat and tidy condition and not to allow any refuse, waste
material, garbage or other loose or objectionable materials to accumulate on or
around the Demised Premises.

    

    
      	
               
      

            	
              k)

            	
              Leaving Neat and
      Tidy

            

    

    

    Upon the termination or surrender of
this Lease, to remove from the Demised Premises, at the Tenant's risk and
expense, all fixtures and chattels belonging to the Tenant and to leave the
Demised Premises neat and tidy, free and clear of all refuse, waste material,
garbage or other loose or objectionable materials, all of said work to be done
to the satisfaction of the Landlord, and the Tenant shall make good all damages
caused to the Demised Premises by such removal.  If the Demised
Premises are not left neat, tidy and free and clear of all refuse, waste
material, garbage, loose or other objectionable materials by the Tenant, then
the Landlord may carry out such work as agent of and at the expense of the
Tenant and the Tenant shall pay to the Landlord all costs and expenses incurred
in so doing.

    

    
      	
               
      

            	
              l)

            	
              Alterations and
      Removal of Fixtures

            

    

    

    To maintain the Demised Premises as
they would be maintained by a careful and prudent owner. The Tenant hereby
covenants not to make any changes or alternations to the Building whatsoever
without the prior written consent of the Landlord having first been obtained
(which consent shall not be unreasonably withheld) and provided that any change,
alteration, addition or improvement shall comply with all statutes, regulations
or by-laws of any Municipal, Provincial, Federal or other authority; provided
further that the Tenant shall pay to the Landlord the amount of the increase of
any insurance premium or policy covering the Demised Premises, to the extent
that such increase is strictly attributable to an action by the Tenant under
this paragraph and that such insurance shall not thereby be made liable to
avoidance or cancellation by the insurer.

    

    Upon the termination of this Lease all
alterations, additions, improvements which may be made or installed upon the
Demised Premises and which in any manner are attached to the floors, walls or
ceilings shall remain upon and be surrendered with the Demised Premises as a
part thereof, without disturbance, molestation or injury.  If any
additional or new locks are placed upon or affixed to the Demised Premises, such
locks and keys thereto shall become the property of the Landlord and shall be
handed over to the Landlord upon the termination or surrender of this
Lease.

    

    Notwithstanding anything herein
contained:

    

    
      	
               
      

            	
              i)

            	
              the
      Tenant may install its usual trade fixtures in the usual manner provided
      such installation does not damage the structure or nature of any portion
      of the Demised Premises, and

            

    

     

    
      
        	
                INITIAL

                o

              

      

       

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	
               
      

            	
              ii)

            	
              provided
      the Tenant has paid the rent hereby reserved and performed the covenants
      herein contained and on its part to be performed, the Tenant shall have
      the right at the expiration or other termination of this Lease to remove
      such trade fixtures, but the Tenant shall make good the damage or injury
      caused to the Demised Premises that shall have resulted from such
      installation and removal.

            

    

    

    
      	
               
      

            	
              m)

            	
              Overloading

            

    

    

    Not to bring upon the Demised Premises
or any part thereof any machinery, equipment, articles or thing that may by
reason of its weight or size damage the Demised Premises and will not at any
time overload the floors of the Demised Premises.  If any damage is
caused to the Demised Premises by any machinery, equipment, article or thing or
by overloading or by any act, neglect or misuse on the part of the Tenant or any
of the Tenant's servants, agents or employees or any person having business with
the Tenant, Tenant will forthwith pay to the Landlord the cost of making good
the same.

    

    
      	
               
      

            	
              n)

            	
              Evidence of
      Payments

            

    

    

    At any time at the request of the
Landlord, to produce to the Landlord satisfactory evidence of the due payment by
the Tenant of all payments required to be made by the Tenant under this
Lease.

    

    
      	
               
      

            	
              o)

            	
              Failure to Pay Taxes
      or Other Costs

            

    

    

    That in the event that the Tenant fails
to pay any taxes, rates, services, utilities or other charges or costs which the
Tenant has herein covenanted to pay, the Landlord may pay the same and shall be
entitled to charge the sums so paid to the Tenant who shall pay them forthwith
on demand; and the Landlord, in addition to any other rights, shall have the
same remedies and may take the same steps as for the recovery of rent in arrears
under the terms of this Lease.

    

    
      	
               
      

            	
              p)

            	
              Arrears

            

    

    

    That all arrears of rent and any monies
paid by the Landlord hereunder, on behalf of the Tenant shall bear interest at
the rate of 3% per annum above the minimum lending rate charged by the Canadian
Imperial Bank of Commerce from time to time, to its most favoured customers,
from the time such arrears of payments become due until paid to the Landlord by
the Tenant.

    
      

      
        	
                 
      

              	
                q)

              	
                Use

              

      

       

    

    To use the Demised Premises to operate
only for general
offices. Tenant shall ensure that its use complies with all municipal and
provincial requirements.

    

    
      	
              5.

            	
              The
      Landlord covenants with the Tenant:

            

    

     

    
      	
               
      

            	
              a)

            	
              Quiet
      Enjoyment

            

    

    

    That the Tenant, paying the rent hereby
reserved and performing the covenants herein on its part contained, shall
peaceably possess and enjoy the Demised Premises for the term hereby
granted.

    

    
      	
               
      

            	
              b)

            	
              Fire
      Insurance

            

    

    

    To insure and keep insured during the
term of this Lease the building against loss by fire and such other perils as
may from time to time be included in the standard fire insurance additional
perils supplementary contract generally available in the Province of Ontario,
for its full insurable value with loss, if any, payable to the Landlord or as
the Landlord may direct, and the Tenant covenants to pay the premium accounts
therefor within ten (10) days after the account for same has been submitted to
the Tenant.

     

    PROVISOS:

    

    
      	
               
      

            	
              a)

            	
              Destruction or Damage
      of Premises

            

    

    

    Provided always and it is hereby agreed
that, if during the currency of this Lease:

    

    
      	
               
      

            	
              i)

            	
              the
      Demised Premises are totally destroyed by fire or any such other perils as
      may from time to time be included in the standard fire insurance
      additional perils supplementary contract generally available in the
      Province of Ontario, so that it cannot be repaired with reasonable
      diligence within 120 days of the happening of such injury, then the Lease
      shall cease and become null and void from the date of such damage or
      destruction, and the Tenant shall immediately surrender the Demised
      Premises and all interest therein to the Landlord, and the Tenant shall
      pay rent only to the time of such surrender and any prepaid rent shall be
      returned to the Tenant and in case of destruction or partial destruction
      as above mentioned, the Landlord may re-enter or repossess the Demised
      Premises discharged of this Lease and may remove all parties
      therefrom;

            

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

     

    
      	
               
      

            	
              ii)

            	
              if
      the Demised Premises are destroyed or damaged or partially destroyed or
      damaged by fire or any such other perils as may from time to time be
      included in the standard fire insurance additional perils supplementary
      contract generally available in the Province of Ontario, and can be
      repaired with reasonable diligence within 120 days from the happening of
      said injury, and if the damage is such as to render the Demised Premises
      wholly unfit for occupancy, then the rent shall not run or accrue after
      the said injury, or while the process of repairs is going on, and the
      Landlord shall repair the same with all reasonable speed and then the rent
      shall recommence immediately after the said repairs have been
      completed;

            

    

     

    
      

      
        	
                 
      

              	
                iii)

              	
                
                  if
      the Demised Premises are partially destroyed or damaged by fire or any
      such other perils as may from time to time be included in the standard
      fire insurance additional perils supplementary contract generally
      available in the Province of Ontario, and can be repaired with reasonable
      diligence within 120 days from the happening of said injury, and if the
      damage is such that the Demised Premises can be partially used, then until
      such damage shall have been repaired, the rent shall abate in proportion
      that the part of the Demised Premises rendered unfit for occupancy bears
      to the whole of the Demised Premises and the Landlord shall repair with
      all reasonable speed.

                

              

      

    

    
    

    
    

     

    
      
        	
                 
      

              	
                b)

              	
                Insured

              

      

       

    

    The Landlord shall not be liable or
responsible in any way whether in contract or in tort for any personal or
consequential injury or damages of any nature whatsoever that may be suffered or
sustained by the Tenant or to any employee, agent, invitee or licensee of the
Tenant or any other person who may be upon the Demised Premises or for any loss
of or damage or injury to any property belonging to the Tenant or to its
employees or to any other person while such property is on the Demised Premises
and, in particular, (but without limiting the generality of the foregoing), the
Landlord shall not be liable for any loss or damage or damages of any nature
whatsoever to any such property caused by theft or breakage or other cause, to
supply adequate drainage, snow or ice removal, or by reason of the interruption
of any public utility or service or in the event of steam, water, rain or snow
which may leak into, issue or flow from any part of the Demised Premises or from
the water, snow, sprinkler or drainage pipes or plumbing works of the same, or
from any other place or quarter or for any damage caused by anything done or
omitted to be done by any Tenant, nor shall the Tenant be entitled to any
abatement of rent in respect of any such condition, failure or interruption of
service above said.

    

    
      	
               
      

            	
              c)

            	
              Notices

            

    

    

    Any
notice required or contemplated by any provision of this Lease shall be given in
writing and if to the Landlord either deliver to the Landlord or mailed by
prepaid registered mail addressed to the Landlord at 27 Ardmore Crescent,
Richmond Hill, Ontario L4B 2H8 and if to the Tenant either delivered to the
Tenant personally or mailed by prepaid registered mail addressed to the Tenant
at the Demised Premises. Every notice shall be deemed to have been given when
delivered or, if mailed as aforesaid, upon the second business day following the
day when it was mailed. The Landlord may from time to time by notice in writing
to the Tenant designate another address in Canada as the address to which
notices are to be mailed to it.

    

     

    
      	
               
      

            	
              d)

            	
              Signs

            

    

     

    The Tenant shall be permitted by the
Landlord to use the existing signage affixed to the front of the Demised
Premises. The Tenant shall pay the cost of art work and graphics.  The
foregoing is subject to the Tenant at its own expense, obtaining all required
municipal approvals for signage.  No sign may be erected on the
roof.  Provided all signs comply with all applicable municipal
by-laws, ordinances and restrictions, and on ceasing to be a Tenant of the
Demised Premises, the Tenant will, before removing its goods and fixtures from
the Demised Premises, cause any sign aforesaid to be removed or obliterated at
its own expense and in a workmanlike manner to the satisfaction of the
Landlord.

     

    
      	
               
      

            	
              e)

            	
              Bankruptcy or
      Abandonment

            

    

     

    If the term hereby granted or any of
the goods and chattels of the Tenant on the Demised Premises shall be at any
time during the said term seized or taken in execution or attachment or
otherwise by any creditor of the Tenant or if the Tenant shall make any
assignment for the benefit of creditors or any bulk sale, or shall on becoming
bankrupt or insolvent take the benefit of any statute now or hereafter in force
for bankrupt or insolvent debtors or if the Tenant ceases or threatens to cease
to carry on business, commits an act of bankruptcy, becomes insolvent or makes a
proposal to the Tenant's creditors, or if a receiver or receiver-manager or
other like person is appointed of any of the assets of the Tenant or if any
order shall be made or proceedings taken for the winding up of the Tenant or for
the termination of the Tenant's existence, or if the Demised Premises shall
without the written consent of the Landlord   become and remain
vacant for a period of 

     

    
      
        	
                INITIAL

                o

              

      

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    fifteen
days, or to be used by any other persons than those entitled to use them under
the terms of this Lease, or if the Tenant shall without the written consent of
the Landlord abandon or attempt to abandon the Demised Premises or attempt to
sell or dispose of the Tenant's goods or chattels or remove them or any of them
from the Demised Premises so that there would not remain on the Demised Premises
in the event of such abandonment, sale or disposal sufficient goods subject to
distress to satisfy the rent then due or accruing due, then and in every such
case the then current month's rent and the next ensuing three months' rent and
the Tenant's share of the taxes for the then current year (to be reckoned on the
rate for the next preceding year in case the rate shall not have been fixed for
the then current year) shall immediately become due and be paid and the Landlord
may re-enter and take possession of the Demised Premises as though the Tenant or
any other occupant of the Demised Premises were holding over after expiration of
the term, and the term shall, at the option of the Landlord, forthwith become
forfeited and terminated, and in every one of the cases above such accelerated
rent shall be recoverable by the Landlord in the same manner as if it were rent
in arrears.

     

    
    

    
      	
               
      

            	
              f)

            	
              Waiver of
      Exemption

            

    

     

    Notwithstanding anything contained in
any statute or amendment or revision thereof, none of the goods or chattels of
the said Tenant at any time during the continuance of the term hereby created
situate on the Demised Premises shall be exempt from levy by distress for rent
in arrears as provided for by any section of the said Act, and that upon any
claim being made for such exemption by the Tenant or on distress being made by
the landlord this covenant and agreement may be pleaded as an estoppel against
the Tenant in any action brought to test the right to the levying upon any such
goods as are named as exempt in any such section, and the
Tenant  waives every benefit that might have accrued to the Tenant
under any such legislation but for this covenant.

     

    
      	
               
      

            	
              g)

            	
              Re-entry

            

    

     

    
    

    The Tenant further covenants and agrees
with the Landlord that in case of non-payment of any rent at the times as herein
provided, or the non-performance of any covenant by the Tenant, or in case the
Demised Premises shall be deserted or vacated for over thirty (30) days, the
Landlord, in addition to all other rights hereby reserved to the Landlord shall
have the right to re-enter the same as the agent of the Tenant either by force
or otherwise, without being liable for any prosecution therefor and to re-let
the whole or any portion of the Demised Premises, for any period equal to or
greater or less then the remainder of the then current term as agent of the
Tenant, and to receive the rent therefor, said rent to be any sum which the
Landlord deems reasonable, to any Tenant which the Landlord may deem suitable
and satisfactory, and for any use and purpose which the Landlord may deem
appropriate, and in connection with any such Lease the Landlord may make such
changes in the character of the improvements of the Demised Premises as the
Landlord may determine to be appropriate or helpful in effecting such
Lease.  However, in no event shall the Landlord be under any
obligation to re-let the Demised Premises in whole or in part for any purpose
which the Landlord may regard as injurious to the Demised Premises, or to any
Tenant which the Landlord, in the exercise of reasonable discretion, shall deem
to be objectionable, and as the agent of the Tenant to take possession of any
furniture or other property on the Demised Premises and to sell the same at
public or private sale without notice and to apply the proceeds of such sale and
any rent derived from re-letting the Demised Premises, upon account of the rent
due under these presents, and the Tenant shall remain liable to the Landlord for
the deficiency, if any, it being the intention of this Lease that nothing in
this Lease contained and no entry made by the landlord hereunder, shall in any
way release the Tenant from the payment of the rent hereby reserved during the
term hereof beyond such sum as may be realized by the Landlord by the re-letting
and sale of furniture hereinbefore allowed.  The Landlord shall not,
in any event be required to pay to the Tenant any surplus of any sums received
by the landlord on a re-letting of Demised Premises in excess of the rent
reserved in this Lease.

     

    
      	
               
      

            	
              h)

            	
              Removal of
      Goods

            

    

     

    In the event of removal by the Tenant,
except in the ordinary course of trade of goods and chattels from off the
Demised Premises, the Landlord may follow same for thirty (30) days in the same
manner as is provided for in any Act respecting the fraudulent and clandestine
removal of goods.

     

    
      
        	
                INITIAL

                o

              

      

       

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    
      	
               
      

            	
              i)

            	
              Sale or Rent
      Signs

            

    

     

    The
Tenant shall not paint, display, inscribe, place or affix any sign, symbol,
notice or lettering of any kind anywhere outside the Demised Premises without
the consent in writing of the Landlord which consent shall not be unreasonably
withheld. The Landlord orits agents may enter and exhibit the Demised Premises
to prospective tenants or purchasers of the building during normal business
hours during the term hereof and place upon the building or the Demised Premises
a notice of reasonable dimensions and reasonably placed stating that the
building is for sale or the Demised Premises are for rent which notice the
Tenant shall not remove or obscure, but the Landlord in exercising its rights
hereunder shall proceed to the extent possible so as to minimize interference
with the Tenant's use and enjoyment of the Demised Premises.

     

    
      	
               
      

            	
              j)

            	
              Subordination and
      Attornment

            

    

     

    
      	
               
      

            	
              i)

            	
              This
      Lease is and will remain subordinate to every mortgage, charge, trust
      deed, financing, refinancing or collateral financing and the instruments
      of, as well as the charge or lien resulting from all or any of them and
      any renewals or extensions of them (hereinafter referred to as the
      "Encumbrances") from time to time affecting the Demised Premises and the
      Tenant will, on request, subordinate this Lease in the form requested by
      the landlord to any Encumbrance and to all advances made or to be made on
      the security of any Encumbrance. The Tenant will also attorn to the holder
      of any Encumbrance;

            

    

     

    
      	
               
      

            	
              ii)

            	
              If
      possession is taken under, or any proceedings are brought for the
      foreclosure of, or if a power of sale is exercised resulting from an
      Encumbrance the Tenant will attorn to the person that so takes possession
      if that person requests it and will recognize that person as the Landlord
      under this Lease;

            

    

     

    
      	
               
      

            	
              iii)

            	
              The
      Tenant hereby constitutes the Landlord its agent and attorney for the
      purpose of executing any document or instrument required to give effect to
      a subordination of its interests under this Lease or any attornment or any
      other instrument which is reasonably required to give full force and
      effect to this paragraph;

            

    

     

    
      	
               
      

            	
              iv)

            	
              Notwithstanding
      each of the above foregoing sub-paragraphs of this paragraph 5(j) the
      Tenant shall not be required to postpone its interest in the within Lease
      to any encumbrancer which will not allow it to continue in quiet
      possession of the Demised Premises in accordance with the terms of the
      within Lease as long as the Tenant is not in default hereunder, whether
      the Encumbrance is in good standing or
not.

            

    

     

    
      	
               
      

            	
              k)

            	
              Assignment to
      Mortgagee

            

    

     

    The Tenant declares that the Landlord
may assign the Landlord's rights under this Lease to a purchaser of the property
or to lender or lenders as collateral security for any loan to the Landlord and
in the event that such an assignment is given and executed by the Landlord and
notification is given to the Tenant, the Tenant, if so requested, will without
cost, at any time, and from time to time:

     

    
      	
               
      

            	
              i)

            	
              execute
      an Acknowledgement concerning the performance and observance by the
      landlord of the Landlord's obligations under this Lease and concerning the
      payment by the Tenant of the rent reserved and other sums payable by and
      under this Lease as may be required by such mortgagee or mortgagees or by
      such purchaser or purchasers;

            

    

     

    
      	
               
      

            	
              ii)

            	
              certify
      that this Lease is unmodified and is in full force and effect (or if
      modified, stating the modification and that the same is in full force and
      effect as modified);

            

    

     

    
      	
               
      

            	
              iii)

            	
              provide
      particulars of any monies or security deposited hereunder with the
      Landlord and advise whether or not there is any existing default on the
      part of the Landlord of which the Tenant has
  notice;

            

    

     

    
      	
               
      

            	
              iv)

            	
              provide
      such evidence as may be required by the purchaser or mortgagee that the
      Demised Premises have been satisfactorily completed.  If the
      Demised Premises are not so completed the Tenant shall given an itemized
      list of the uncompleted items.

            

    

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

     

    
      	
               
      

            	
              It
      is hereby agreed that any such statement delivered pursuant to the
      provisions of this paragraph may be conclusively relied upon by any
      purchaser and/or mortgagee, save as to any default on the part of the
      Landlord of which the Tenant does not have notice at the date
      thereof.  If the Tenant fails to give such statement within ten
      (10) days after the receipt of notice requesting same, then the Landlord
      may sign such statement as Attorney for the Tenant and the contents of
      such statement shall be binding on the
Tenant.

            

    

     

    
      	
               
      

            	
              l)

            	
              Overholding

            

    

     

    It is hereby agreed that if the Tenant
occupies the Demised Premises after the expiration of this Lease or any renewal
thereof without any further writtenagreement and the Landlord accepts rent for
the Demised Premises, the Tenant shall be a monthly Tenant only (terminable on
one month's notice) at the same rent payable during the month immediately
preceding the expiration or termination of this Lease, and otherwise as far as
applicable to a monthly tenancy, upon the same covenants, provisos and
conditions as contained in this Lease.

     

    
      	
               
      

            	
              m)

            	
              No
      Representation

            

    

     

    The Tenant agrees that no
representations or promises with respect to the Demised Premises have been made
by the Landlord or by any agent or other person on its behalf except as are
herein expressly set forth, and that the entering into possession by the Tenant
shall be conclusive evidence as against the Tenant that the Demised Premises
were in good and satisfactory condition at the time possession was so
taken.

     

    
      	
               
      

            	
              n)

            	
              Waiver

            

    

     

    Any condoning, excusing or overlooking
by the Landlord of any breach, default or non-performance by the Tenant at any
time of any covenant, proviso or condition herein contained shall not operate to
waive the Landlord's rights under this Lease in spite of any later default,
breach or non-performance so as to defeat in any way the rights of the Landlord
under this Lease on any such later default, breach or non-observance and all
rights and remedies of the Landlord shall be deemed to be cumulative not
alternative.

     

    
      	
              6.

            	
              Option of
      Renewal

            

    

     

    If the
Tenant has otherwise complied with all terms, conditions and provisos herein
contained and has not been in default hereof, the Landlord grants to the Tenant
one (1) option to renew the Lease for an additional term of five (5) years from
the end of the term then being completed. The Tenant shall give the Landlord at
least six (6) months written notice prior to the expiration of the leased term
of its intention to renew, failing which the option to renew shall be null and
void. If the option is exercised, it shall be on the same terms and conditions
as contained in the original lease except as to the amount of rent to be paid.
The parties shall, within 120 days of the giving of the notice by the Tenant and
to be not later than 60 days prior to the expiry date of this Lease, negotiate
the rent to be payable during the renewal term. The rent shall be in accordance
with the prevailing rents charged in the same vicinity as the Demised Premises
save and except that in no case shall the rent be less than the rent payable
during the last year of the prior term.

     

    
      	
              7.

            	
              All
      of the provisions of this Lease are to be construed as covenants and
      agreements.  If any provision of this Lease is illegal or
      unenforceable it shall be considered separate and severable from the
      remaining provisions of this Lease, which shall remain in full force and
      be binding as though the said provisions had never been
      included.

            

    

     

    
      	
              8.

            	
              Rules

            

    

     

    The
Tenant, its servants, agents and employees will at all times during the
occupancy of the Demised Premises observe and conform to such rules and
regulations as shall be made from time to time by the Landlord, and of which the
Tenant shall be notified, such rules and regulations shall be deemed to be
incorporated in, and form part of, this Lease.

     

    
      	
              9.

            	
              Enure

            

    

     

    Subject
to any restrictions herein contained this Lease shall enure to the benefit of
and be binding upon the heirs, executors, administrators, successors and assigns
of the parties hereto.

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

     

    
      	
              10.

            	
              Headings

            

    

     

    The
headings to the various paragraphs of this Lease have been inserted for
convenience of reference only and shall not modify, amend or change the express
terms and provisions of this Lease.

     

    
      	
              11.

            	
              Gender

            

    

     

    The words
importing the singular number only shall include the plural, and vice
versa.  Words importing the neuter of masculine gender shall include
the feminine gender, and words importing persons shall include firms and
corporations and vice versa.

     

    
      	
              12.

            	
              Context

            

    

     

    Unless
the context otherwise requires, the word "Landlord" and the word "Tenant"
wherever used herein shall be construed to include and shall mean the executors,
administrators, successors and/or assigns of the said Landlord and Tenant
respectively, and when there are two or more Tenants bound by the same covenants
herein contained, their obligations shall be joint and several.

     

    

     

    

     

    IN WITNESS WHEREOF the Landlord and
Tenant have hereunto executed these presents.

    
 

     

     MARK
PHARMACEUTICAL SERVICES INC.

     

    

     

    

     

     Per:

     

    

     

     I
have the authority to bind the Corporation

    
 

     

    MORTGAGEBROKERS.COM
INC.

    
 

     

     Per:

     

    

     

     I
have the authority to bind the Corporation

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