Document:

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                                                                    EXHIBIT 10.4

                            INVESTMENT BANKING RIDER
 (This contract was subsequently cancelled in April 2000, the registration will
      only cover those shares that were earned prior to the cancellation.)

This non-exclusive Agreement (the "Agreement") is dated January 6, 2000 and is
entered into by and between AMERICA'S SENIOR FINANCIAL SERVICES, INC.
(hereinafter referred to as "CLIENT") and THE CHARTERBRIDGE FINANCIAL GROUP,
INC. (hereinafter referred to as "CFG").

1.   CONDITIONS. This Agreement will not take effect, and CFG will have no
     obligation to provide any service whatsoever, unless and until CLIENT
     returns a signed copy of this Agreement to CFG (either by mail or facsimile
     copy). CLIENT shall be truthful with CFG in regard to any relevant material
     regarding CLIENT, verbally or otherwise, or this entire Agreement will
     terminate and all monies paid shall be forfeited without further notice.

Agreed, CLIENT'S INITIALS: __________

Upon execution of this Agreement, CLIENT agrees to cooperate with CFG in
carrying out the purposes of this Agreement, keep CFG informed of any
developments of material importance pertaining to CLIENT'S business and abide by
this Agreement in its entirety.

2.   SCOPE AND DUTIES. During the term of this Agreement, CFG will perform the
     following services for CLIENT:

     2.1  Advice and Counsel. CFG will provide advice and counsel regarding
          CLIENT'S strategic business and financial plans, strategy and
          negotiations with potential lenders/investors, joint venture,
          corporate partners and others involving financial and
          financially-related transactions.

     2.2  Mergers and Acquisitions. At the request of the CLIENT, CFG will
          provide assistance to CLIENT, as mutually agreed, in identifying M&A
          candidates, assisting in any due diligence process, recommending
          transaction terms and giving advice and assistance during
          negotiations.

     2.3  Introductions to the Investment Community. CFG has a familiarity or
          association with numerous broker/dealers and investment professionals
          across the country and will enable contact between CLIENT and/or
          CLIENT'S affiliate to facilitate business transactions among them. CFG
          shall use its contact in the brokerage community to assist CLIENT in
          establishing relationships with private equity capital sources
          (venture capital, etc) and securities dealers while providing the most
          recent information about CLIENT to interested securities dealers on a
          regular and continuous basis. CFG understands that this is in keeping
          with CLIENT'S business objectives and plan to market CLIENT'S business
          or project to the investment community.

     2.4  CLIENT and/or CLIENT'S Affiliate Transaction Due Diligence. CFG will
          participate and assist CLIENT in the due diligence process on all
          proposed financial transactions affecting CLIENT of which CFG is
          notified in writing in advance, including conducting investigation of
          and providing advice on the financial, valuation and stock price
          implications of the proposed transaction(s).

     2.5  Ancillary Document Services. At the request of the CLIENT, CFG will
          assist and cooperate with CLIENT in the development, editing and
          production of such documents as are reasonably necessary to procure
          the agreed upon capital, including a private placement memorandum or
          investment marketing memorandum, as necessary.

     2.6  Additional Duties. CLIENT and CFG shall mutually agree upon any
          additional duties that CFG may provide for compensation paid or
          payable by CLIENT under this Agreement. Although there is not
          requirement to do so, such additional agreement(s) may be attached
          hereto and made a part hereof by written amendments to be listed as
          "Exhibits" beginning with "Exhibit A" and initialed by both parties.

     2.7  Standard of Performance. CFG shall devote such time and efforts to the
          affairs of the CLIENT as is reasonably necessary to render the
          services contemplated by this Agreement. CFG is not responsible for
          the performance of any services, which may be rendered hereunder if
          the CLIENT fails to provide the requested information in writing prior
          thereto. The services of CFG shall not include the rendering of any
          legal opinions or the performance of any work that is in the ordinary
          purview of a certified public accountant. CFG cannot guarantee results
          on behalf of CLIENT but shall use commercially reasonable efforts in
          providing the services listed above. If an interest is expressed in
          satisfying all or part of CLIENT'S financial needs, CFG shall notify
          CLIENT and advise it as to the source of such interest and any terms

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          and conditions of such interest. CFG'S duty is to introduce and market
          CLIENT'S funding request to appropriate funding sources. CFG will in
          no way act as a "broker-dealer" under state securities laws. Because
          all final decisions pertaining to any particular investment are to be
          made by CLIENT, CLIENT may be required to communicate directly with
          potential funding sources.

     2.8  Non-Guarantee. CFG MAKES NO GUARANTEE THAT CFG WILL BE ABLE TO
          SUCESSFULLY MARKET AND IN TURN SECURE A LOAN OR INVESTMENT FINANCING
          FOR CLIENT, OR TO SUCCESSFULLY PROCURE SUCH LOAN OR INVESTMENT WITHIN
          CLIENTS DESIRED TIMEFRAME OR TO GUARTANTEE THAT IT WILL SECURE ANY
          LOAN OR INVESTMENT FINANCING WITH A SPECIFIC OR MINIMUM RETURN,
          INTEREST RATE OR OTHER TERMS. NEITHER ANYTHING IN THIS AGREEMENT TO
          THE CONTRARY NOR THE PAYMENT OF DEPOSITS TO CFG BY CLIENT PURSUANT TO
          FEE AGREEMENT FOR SERVICES NOT CONTEMPLATED HEREIN SHALL BE CONSTRUED
          AS ANY SUCH GUARANTEE. ANY COMMENTS MADE REGARDING POTENTIAL TIME
          FRAMES OR ANYTHING THAT PERTAINS TO THE OUTCOMNE OF CLIENT'S FUNDING
          REQUESTS ARE EXPRESSIONS OF OPINION ONLY. THE PARTIES HERETO
          ACKNOWLEDGES AND AGREES THAT CLIENT IS NOT REQUIRED TO MAKE EXCLUSIVE
          USE OF CFG FOR ANY SERVICES OR DOCUMENTATION DEEMED NECESSARY FOR THE
          PURPOSE OF SECURING INVESTMENTS. CFG HAS MADE NO SUCH DEMANDS IN ORDER
          FOR CLIENT'S PROJECT TO BE MARKETED UNDER THE TERMS OF THIS AGREEMENT.
          CFG HOLDS NO EXCLUSIVE RIGHTS TO THE MARKETING OF CLIENT'S PROJECT.

                  Agreed, CLIENT'S INITIALS:________

3.   Compensation to CFG.

     3.1  AMSE will pay for services described herein. The fees shown below
          (exclusive of those outlined in 3.2, 3.3, and 3.4 below) shall be
          payable as follows:

A)   INITIAL PAYMENT DUE UPON ACCEPTANCE OF AGREEMENT: = 20,500 AMSE RESTRICTED
     SHARES WITH DEMAND REGISTRATION PURSUANT TO SECTION 10.

B)   DUE IN MONTH (6) = 31,125 AMSE RESTRICTED SHARES WITH DEMAND REGISTRATION
     RIGHTS PURSUANT TO SECTION 10.

C)   DUE IN MONTH TWELVE (12) = 31,125 AMSE RESTRICTED SHARES WITH DEMAND
     REGISTRATION RIGHTS PURSUANT TO SECTION 10

     3.2  Fees for Direct Investment, Merger/Acquisition. In the event that CFG,
          on a non-exclusive basis, introduces CLIENT or a CLIENT affiliate to
          any third party funding source(s), underwriter(s), merger partner(s)
          or joint venture(s) who then enters into a funding, underwriting,
          merger, joint venture or similar agreement with CLIENT or CLIENT'S
          affiliate, CLIENT hereby agrees to pay CFG advisory fees pursuant to
          the following schedule and based on the aggregate amount of such
          funding, underwriting, merger, joint venture or similar agreement with
          CLIENT or CLIENT'S affiliate. Advisory fees are deemed and shall be
          due and payable at the first close of the transaction, however, in
          certain circumstances when payment of advisory fees at closing is not
          possible, within 24 hours after CLIENT has received the proceeds of
          such investment. This provision shall survive this Agreement for a
          period of one year after termination or expiration of this Agreement.
          In other words, the advisory fee shall be deemed earned and due and
          payable for any funding, underwriting, merger, joint venture or
          similar transaction which first closes within a year of the
          termination or expiration of this Agreement as a result of an
          introduction as set forth above. CFG shall also be entitled to 50% of
          the investment marketing fee outlined in paragraph 3.2, A or B or 3.3
          below in connection with any and all investment offers from CLIENT or
          any other source (not including those introduced by CFG) when CFG is
          invited to participate or assist in negotiations.

Agreed, CLIENT INITIALS:________

A.   Direct Investment. For a direct investment made by CLIENT in a third party
     investor either introduced to CLIENT by CFG or which contacted CLIENT
     directly as a result of CFG'S efforts, CLIENT shall pay CFG a finder's fee
     of 5.0% of total investment amount received by CLIENT from the third party
     investor.

B.   Merger/Acquisition. For a merger/acquisition entered into by CLIENT as a
     result of the efforts of, or an introduction by CFG during the term of this
     Agreement, Client shall pay CFG 5.0% of the total value of the transaction.
     The 5.0% shall be paid in cash upon the date of the closing of the
     merger/acquisition. Additionally, (i) if stock is used as part or all of
     the consideration in the transaction, CFG shall receive restricted trading
     stock equivalent to 10% of the stock (used for the transaction) upon close
     of transaction, and (ii) upon close of a successful merger or acquisition,
     CFG shall receive 3% of the value of the combined, merged or surviving
     entity (whichever is larger) in the form of the surviving entity's
     restricted trading stock. Subject to any required adjustments by the NASD
     or SEC if any.

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THE FEES PROVIDED FOR IN SECTION 3.2, AND 3.3 ARE NOT INTENDED TO AND WILL NOT
APPLY CUMULATIVELY TO THE SAME FUNDING; HOWEVER, EACH MAY APPLY TO DIFFERENT
PORTIONS OF A TRANSACTION COMPRISING DIFFERENT FUNDING SOURCES.

     3.3  Expenses. If CLIENT accepts any investment provided under this
          Agreement, CLIENT shall reimburse CFG for reasonable expenses incurred
          in performing its duties pursuant to this Agreement (including
          printing, postage, express mail, photo reproduction, travel, lodging,
          and long distance telephone and facsimile charges). Such reimbursement
          shall be at the CLIENT'S advanced approval and payable within 24 hours
          after CLIENT'S receipt of CFG invoice for same.

     3.4  Additional Fees. CLIENT and CFG shall mutually agree upon any
          additional fees that CLIENT may pay in the future for services
          rendered by CFG under this Agreement. Such additional agreement(s)
          may, although there is no requirement to do so, be attached hereto and
          made a part hereof as Exhibits beginning with Exhibit A.

     3.5  Investment Source(s) Disclosure. It is fully understood that in some
          cases CFG'S investment/lending sources are sources that may be public
          sources, which may independently approach CLIENT without the
          assistance of CFG. CFG makes no claims to have special relationships
          with sources and is not to be considered as having any special
          relationships with sources and is not to be considered as having any
          capabilities of expediting or `pushing' CLIENT'S case through any
          approval channels outside the norm of any request of this type. The
          sources in the CFG database are sources compiled by CFG from created
          relationships as well as lists purchased or requested for the purpose
          of building a comprehensive lender/investor marketing service.

Agreed, CLIENT'S INITIALS:___________

4.   Indemnification. The CLIENT agrees to indemnify and hold harmless CFG, each
     of its officers, directors, employees, and shareholders against any and all
     liability, loss and costs, expenses or damages, including but not limited
     to, any and all expenses whatsoever reasonably incurred in investigating,
     preparing or defending against any litigation, commenced or threatened, or
     any claim whatsoever or howsoever caused by reason of any injury (whether
     to body, property, personal or business character or reputation) sustained
     by any person or to any person or property, arising out of any grossly
     negligent act, failure to act, neglect, any untrue or alleged untrue
     statement of a material fact or failure to state a material fact which
     thereby makes a statement false or misleading, or any breach of any
     material representation, warranty or covenant by CLIENT or any of its
     agents, employees, or other representatives. Nothing herein is intended to
     nor shall it relieve either party from liability for its own act, omission
     or negligence. All remedies provided by law, or in equity shall be
     cumulative and not in the alternative.

     CFG agrees to indemnify and hold harmless CLIENT, each of its officers,
     directors, employees and shareholders against any and all liability, loss
     and costs, expenses or damages, including but not limited to, any and all
     expenses whatsoever reasonably incurred in investigating, preparing or
     defending against any litigation, commenced or threatened, or any claim
     whatsoever or howsoever caused by reason of any injury (whether to body,
     property, personal or business character or reputation) sustained by any
     person or to any person or property, arising out of any grossly negligent
     act, any untrue or alleged untrue statement of a material fact or failure
     to state a material fact which thereby makes a statement false or
     misleading, or any breach of any material representation, warranty or
     covenant by CFG or any oft its agents, employees, or other representatives.
     Nothing herein is intended to nor shall it relieve either party from
     liability for its own act, omission or negligence. All remedies provided by
     law, or in equity shall be cumulative and not in the alternative.

5.   CLIENT Representations. CLIENT hereby represents, covenants and warrants to
     CFG as follows:

     5.1  Authorization. CLIENT and its signatories herein have full power and
          authority to enter into this Agreement and to carry out the
          transactions contemplated hereby.

     5.2  No Violation. Neither the execution and delivery of this Agreement nor
          the consummation of the transactions contemplated hereby will violate
          any provision of the charter or by-laws of CLIENT, or violate any
          terms of provision of any other material agreement to which CLIENT is
          a party of any applicable statute or law.

     5.3  Contracts In Full Force and Effect. All contracts, agreements, plans,
          leases, policies and licenses to which CLIENT is a party are valid and
          in full force and effect.

     5.4  Litigation. Except as set forth below, there is no action, suit,
          inquiry, proceeding or investigation by or before any court or
          governmental or other regulatory or administrative agency or
          commission pending or, to the best knowledge of CLIENT, threatened or
          invoking CLIENT, or which questions or challenges the validity of this

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          Agreement or its subject matter and CLIENT does not know or have any
          reason to know of any valid basis for any such action, proceeding or
          investigation.

     5.5  Consents. No consent of any person, other than the signatories hereto,
          is necessary to the consummation of the transactions contemplated
          hereby, including, without limitation, consents from parties to loans,
          contracts, lease or other agreements and consents from governmental
          agencies, whether federal, state, or local.

     5.6  CFG Reliance. CFG has and will rely upon the documents; instruments
          and written information furnished to CFG by the CLIENT'S officers or
          designated employees.

     5.7  CLIENT'S Material. All representations and statements provided herein
          about the CLIENT are true and complete and accurate. As detailed in
          paragraph 4 above, CLIENT agrees to indemnify CFG, its officers,
          directors, agents and employees.

     5.8  CLIENT'S Affiliates and Other Material. To the best knowledge of
          CLIENT, CLIENT represents and warrants that all representation and
          warranties provided herein regarding CLIENT are true, complete and
          accurate with respect to and if applied to CLIENT'S affiliates as
          well.

     5.9  Services not expressed or implied.

          A.   CFG is not and will not be a market-maker (but may be a placement
               agent by other "Selling Agreement" from time-to-time) in CLIENT'S
               securities or in any securities in which CLIENT or CLIENT'S
               affiliates has an interest, and,

          B.   Any payments made herein to CFG are not, and shall not be
               construed as, compensation to CFG for the purpose of making a
               market, to cover CFG'S out-of-pocket expenses for making a
               market, or for the submission by CFG of an application to make a
               market in any securities, and

          C.   No payments made herein to CFG are for the purpose of effecting
               the price of any security or influencing any marker-making
               functions, including but not limited to, bid/ask quotations,
               initiation and termination of quotations, retail securities
               activities, or for the submission of any application to make a
               market.

          D.   CFG advises that it is not a NASD broker dealer.

6.   Confidentiality.

     6.1  CFG and CLIENT each agree to keep confidential and provide reasonable
          security measures to keep confidential information where release may
          be detrimental to their respective business interests. CFG and CLIENT
          shall each require their employees, agents, affiliates, other
          licensees, and others who will have access to the information through
          CFG and CLIENT respectively, to first enter appropriate non-disclosure
          Agreements requiring the confidentiality contemplated by this
          Agreement in perpetuity.

     6.2  CFG will not, either during its engagement by the CLIENT pursuant to
          this Agreement or at any time thereafter, disclose, use or make known
          for its or another's benefit any confidential information, knowledge,
          or data of the CLIENT or any of its affiliates in any way acquired or
          used by CFG during its engagement by the CLIENT. Confidential
          information, knowledge or date of the CLIENT and its affiliates shall
          not include any information that is, or becomes generally available to
          the public other than as a result of a disclosure by CFG or its
          representatives.

7.   Miscellaneous Provisions.

     7.1  Amendment and Modification. This Agreement may be amended, modified
          and supplemented only by written agreement of CFG and CLIENT.

     7.2  Waiver of Compliance. Any failure of CFG, on the one hand, or CLIENT
          on the other, to comply with any obligation, agreement, or condition
          herein may be expressly waived in writing, but such waiver or failure
          to insist upon strict compliance with such obligation, covenant,
          agreement or condition shall not operate as a waiver of, or estoppel
          with respect to, any subsequent or other failure.

     7.3  Expenses: Transfer Taxes, Etc. Other than as expressly set forth in
          this Agreement, the parties shall bear their own costs and expenses in
          carrying out the provisions of this Agreement.

     7.4  Compliance with Regulatory Agencies. Each party agrees that all
          actions, direct or indirect, taken by it and its respective agents,
          employees and affiliates in connection with this Agreement and any
          financing or underwriting hereunder shall conform to all applicable
          Federal and State securities laws.

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     7.5    Notices. Any notices to be given hereunder by any party to the other
            may be effected either by personal delivery in writing, by a
            reputable, national overnight delivery service, by facsimile
            transmission or by mail, registered or certified, postage prepaid
            with return receipt requested. Notices shall be addressed to the
            "Contact Person" at the addresses appearing on the signature page of
            this Agreement, but any party may change his address or "contact
            person" by written notice in accordance with this subsection.
            Notices delivered personally shall be deemed delivered as of actual
            receipt, notices sent by facsimile shall be deemed delivered one (1)
            day after electronic confirmation of receipt, notices sent by
            overnight delivery service shall be deemed delivered one (1) day
            after delivery to the service, mailed notices shall be deemed
            delivered as of five (5) days after mailing.

     7.6    Assignment. This Agreement is not assignable without the express
            written advance consent of AMSE, at the sole discretion of its Board
            of Directors.

     7.7    Delegation. Neither party shall delegate the performance of its
            duties under this Agreement without the prior written consent of the
            other party.

     7.8    Publicity. Neither CFG nor CLIENT shall make or issue, or cause to
            be made or issued, any announcement or written statement concerning
            this Agreement or the transactions contemplated hereby for
            dissemination to the general public without the prior consent of the
            other party. This provision shall not apply, however, to any
            announcement or written statement required to be made by law or the
            regulations of any Federal or State governmental agency, except that
            the party required to disclose shall consult with and make
            reasonable efforts to accommodate changes to the required disclosure
            and the timing of such announcement suggested by the other part.

     7.9    Governing Law. This Agreement and the legal relations among the
            parties hereto shall be governed by and construed in accordance with
            the laws of the State of California, without regard to its conflict
            of law doctrine. CLIENT and CFG agree that if any action is
            instituted to enforce or interpret any provision of this Agreement,
            the jurisdiction and venue shall be San Diego County, California.

     7.10   Counterparts. This Agreement may be executed simultaneously in two
            or more counterparts, each of which shall be deemed an original, but
            all of which together shall constitute one and the same instrument.

     7.11   Headings. The heading of the sections of this Agreement are inserted
            for convenience only and shall not constitute a part hereto or
            affect in any way the meaning or interpretation of this Agreement.

     7.12   Entire Agreement. This Agreement including any Exhibits hereto, and
            the other documents and certificates delivered pursuant to the terms
            hereto, set forth the entire agreement and understanding of the
            parties hereto in respect of the subject matter contained herein,
            and supersedes all prior agreements, promise, covenants,
            arrangements, communications, representations or warranties, whether
            oral or written, by any officers, employee or representative of any
            party hereto.

     7.13   Third Parties. Except as specifically set forth or referred to
            herein, nothing herein express or implied is intended or shall be
            construed to confer upon or give to any person or entity other than
            the parties hereto and their successors or assigns, any rights or
            remedies under or by reason of this Agreement.

     7.14   Attorneys' Fees and Costs. If any action is necessary to enforce and
            collect upon the terms of this Agreement; the prevailing party shall
            be entitled to reasonable attorneys' fees and costs, in addition to
            any other relief to which that party may be entitled. This provision
            shall be construed as applicable to the entire Agreement.

     7.15   Survivability. If any part of this Agreement is found, or deemed by
            a court of competent jurisdiction to be invalid or unenforceable,
            that part shall be severable from the remainder of the Agreement.

     7.16   Further Assurances. Each of the parties agrees that it shall from
            time-to-time take such actions and executes such additional
            instruments as may be reasonably necessary or convenient to
            implement and carry out the intent and purposes of this Agreement.

     7.17   Relationship of the Parties. Nothing contained in this Agreement
            shall be deemed to constitute either party becoming the partner of
            the other, the agent or legal representative of the other, nor
            create any fiduciary relationship between them, except as otherwise
            expressly provided herein. It is not the intention of the parties to
            create nor shall this Agreement be construed to create any
            commercial relationship or other partnership. Neither party shall
            have any authority to act for or to assume any obligation or
            responsibility on behalf of the other party, except as otherwise
            expressly provided herein. The rights, duties, obligations and
            liabilities of the parties shall be separate, not joint or
            collective. Each party shall be responsible only for its obligations
            as herein set out and shall be liable only for its share of the
            costs and expenses as provided herein.

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     7.18   No Authority to Obligate the CLIENT. Without the consent of the
            Board of Directors of CLIENT, CFG shall have no authority to take,
            nor shall it take, any action committing or obligating CLIENT in any
            manner, and it shall not represent itself to others as having such
            authority.

8.   Arbitration. WITH RESPECT TO THE ARBITRATION OF ANY DISPUTE, THE
     UNDERSIGNED HEREBY ACKNOWLEDGE AND AGREE THAT:

     A.   ARBITRATION IS FINAL AND BINDING ON THE PARTIES;

     B.   THE PARTIES ARE WAIVING THEIR RIGHT TO SEEK REMEDY IN COURT, INCLUDING
          THEIR RIGHT TO JURY TRIAL;

     C.   PRE-ARBITRATION DISCOVERY IS GENERALLY MORE LIMITED AND DIFFERENT FROM
          COURT PROCEEDING;

     D.   THE ARBITRATOR'S AWARD IS NOT REQUIRED TO INCLUDE FACTUAL FINDINGS OR
          LEGAL REASONING AND ANY PARTY'S RIGHT OF APPEAL OR TO SEEK
          MODIFICATION OF RULING BY THE ARBITRATORS IS STRICTLY LIMITED;

     E.   THIS ARBITRATION PROVISION IS SPECIFICALLY INTENDED TO INCLUDE ANY AND
          ALL STATUTORY CLAIMS WHICH MIGHT BE ASSERTED BY ANY PARTY;

     F.   ALL DISPUTES, CONTROVERSIES, OR DIFFERENCES BETWEEN CLIENT, CFG OR ANY
          OF THEIR OFFICER, DIRECTORS, LEGAL REPRESENTATIVES, ATTORNEYS,
          ACCOUNTANTS, AGENTS OR EMPLOYEES, OR ANY CUSTOMER OR OTHER PERSON OR
          ENTITY, ARISING OUT OF, IN CONNECTION WITH OR AS A RESULT OF THIS
          AGREEMENT, SHALL BE RESOLVED THROUGH ARBITRATION RATHER THAN THROUGH
          LITIGATION;

     G.   THE UNDERSIGNED CLIENT HEREBY AGREES TO SUBMIT THE DISPUTE FOR
          RESOLUTION TO THE AMERICAN ARBITRATION ASSOCIATION, IN SAN DIEGO,
          CALIFORNIA WITHIN FIFTEEN (15) DAYS AFTER RECEIVING A WRITTEN REQUEST
          TO DO SO FROM NAY OF THE AFORESAID PARTIES;

     H.   IF ANY PARY FAILS TO SUBMIT THE DISPUTE TO ARBITRATION ON REQUEST,
          THEN THE REQUESTING PARTY MAY COMMENCE AN ARBITRATION PROCEEDING, BUT
          IS UNDER NO OBLIGATION TO DO SO;

     I.   ANY HEARING SCHEDULED AFTER AN ARBITRARION IS INITIATED SHALL TAKE
          PLACE IN SAN DIEGO COUNTY, CALIFORNIA, AND THE FEDERAL ARBITRATION ACT
          SHALL GOVERN THE PROCEEDING AND ALL ISSUES RAISED BY THIS AGREEMENT TO
          ARBITRATE;

     J.   IF ANY PARTY SHALL INSTITUTE ANY COURT PROCEEDING IN AN EFFORT TO
          RESIST ARBITRATION AND BE UNSUCCESSFUL IN RESISTING ARBITRATION OR
          SHALL UNSUCCESSFULLY CONTEST THE JURISDICTION OF ANY ARBITRATION FORUM
          LOCATED IN SAN DIEGO COUNTY, CALIFORNIA, OVER ANY MATTER WHICH IS THE
          SUBJECT OF THIS AGREEMENT, THE PREVAILING PARTY SHALL BE ENTITLED TO
          RECOVER FROM THE LOSING PARTY ITS LEGAL FEES AND ANY OUT-OF-POCKET
          EXPENSES INCURRED IN CONNECTION WITH THE DEFENSE OF SUCH LEGAL
          PROCEEDING OR ITS EFFORTS TO ENFORCE ITS RIGHTS TO ARBITRATION AS
          PROVIDED FOR HEREIN;

     K.   THE PARTIES SHALL ACCEPT THE DECISION OF ANY AWARD AS BEING FINAL AND
          CONCLUSIVE AND AGREE TO ABIDE THEREBY;

     L.   ANY DECISION MAY BE FILED WITH ANY COURT AS A BASIS FOR JUDGMENT AND
          EXECUTION FOR COLLECTION.

9.   Term/Termination. This Agreement is a quarterly agreement for the term of
     one (1) year and shall terminate automatically on January 3, 2000. However,
     the CLIENT or CFG shall have the right to terminate the balance of this
     agreement at any time after the 75th day following the mutual execution of
     this Agreement by the parties, providing written notice is given to the
     other party at least fifteen (15) days prior to the expiration of the
     current quarter of the Agreement. Quarterly payments referred above means
     quarterly payments earned for services rendered up to time of termination.
     Quarterly payments of cash and/or stock shall become immediately due and
     payable upon termination. Work in progress (WIP) compensation would only be
     due and payable upon successful completion and funding of the WIP.

10.  Registration of Shares. CFG shall have `DEMAND' registration rights for all
     shares issued in accordance with this agreement. Proof of registration
     application shall be delivered to CFG within 3 days of AMSE'S filing of
     same with the SEC.

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     A.   CLIENT agrees to file a Registration Statement (SB-2 or similar) for
          the registration of the initial shares and all subsequent quarterly
          shares with the US Securities and Exchange Commission (SEC) within 30
          calendar days of the execution of the Agreement.

     B.   Failure to file Registration Statement within 30 days will result in
          the immediate issuance of an additional 20% of the original number of
          shares due CFG at execution.

     C.   If the Registration Statement has not been declared effective within
          90 days after initial filing then CLIENT will issue an additional 20%
          of the total number of shares submitted for Registration on behalf of
          CFG.

     D.   B and C are commutative and not individually exclusive.

11.  Non-Circumvention. In and for valuable consideration, CLIENT hereby agrees
     that CFG may introduce (whether by written, oral, data, or other form of
     communication) CLIENT to one or more opportunities, including, without
     limitation, existing or potential investors, lenders, borrowers, trusts,
     natural persons, corporations, limited liability companies, partnerships,
     unincorporated businesses, sole proprietorships and similar entities (an
     "Opportunity" or "Opportunities"). CLIENT further acknowledges and
     agrees that the identity of the subject Opportunities, and all other
     information concerning an Opportunity (including without limitation, all
     mailing information, phone and fax numbers, email addresses and other
     contact information) introduced hereunder are the property of CFG, and
     shall be treated as confidential information by CLIENT, its affiliates,
     officers, directors, shareholders, employees, agents, representatives,
     successors and assigns. CLIENT shall not use such information, except in
     the context of any arrangement with CFG in which CFG is directly and
     actively involved, and never without CFG'S prior written approval. CLIENT
     further agrees that neither it nor its employees, affiliates or assigns,
     shall enter into, or otherwise arrange (either for it/him/herself, or any
     other person or entity) any business relationship, contact any person
     regarding such Opportunity, either directly or indirectly, or any of its
     affiliates, or accept any compensation or advantage in relation to such
     Opportunity except as directly through CFG, without the prior written
     approval of CFG. CFG is relying on CLIENT'S assent to these terms and their
     intent to be bound by the terms by evidence of their signature. Without
     CLIENT'S signed assent to these terms, CFG would not introduce any
     Opportunity or disclose any confidential information to CLIENT as herein
     described.

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
     duly executed, all as of the day and year first above written.

     CLIENT:

     AMERICA'S SENIOR FINANCIAL SERVICES, INC.

     By:                                 Nelson  A. Locke, not personally
        -------------------------------
          President/CEO

     Date:
          -----------------------

     Address:
             ------------------------------------

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

     Contact Person:
                    -----------------------------

      CFG:

      THE CHARTERBRIDGE FINANCIAL GROUP, INC.

      By:
          ---------------------------------------

      Date:
             ------------------------------------

                                       7<PAGE>   1
                                                                    EXHIBIT 10.5

                              CONSULTING AGREEMENT

                 AGREEMENT TO ENGAGE SPEIGHT & ASSOCIATES, INC.
           AS CONSULTANTS FOR AMERICAS SENIOR FINANCIAL SERVICES, INC.

Speight & Associates, Inc ("SAI" or the "Consultant") hereby submits to Americas
Senior Financial Services, Inc. ("AMSE" or the "Company') this Consulting
Agreement (the "Agreement") outlining the terms pursuant to which SAI would be
willing to act as Consultants to AMSE in the Company's efforts to seek
additional business/business relationships that will be of benefit to the
Company.

I.       ENGAGEMENT

AMSE hereby engages and retains SAI as Consultants to perform the Services (as
that term is hereinafter defined) and SAI hereby accepts such appointment on the
terms and subject to the conditions hereinafter set forth and agrees to use its
best efforts in providing such Services. Both parties agree that this is not an
exclusive agreement and that AMSE may use other sources as needed without
obligation to SAI.

II.      INDEPENDENT CONTRACTOR

SAI shall be, and in all respects be deemed to be, an independent contractor in
the performance of its duties hereunder, any law of any jurisdiction to the
contrary notwithstanding.

A.       SAI shall be solely responsible for making all payments to and on
         behalf of its employees and subcontractors, including those required by
         law, and AMSE shall in no event be liable for any debts or other
         liabilities of SAI.

B.       SAI shall not, by reason of this Agreement or the performance of the
         Services, be or be deemed to be, an employee, agent, partner,
         co-venture or controlling person of AMSE, and SAI shall have no power
         to enter into any agreement on behalf of, or otherwise bind AMSE.
         Without limiting the foregoing, SAI shall not enter into any contract
         or commitment on behalf of AMSE.

C.       Subject to II D below, SAI shall not have or be deemed to have,
         fiduciary obligations or duties to AMSE and shall be free to pursue,
         conduct and carry on for its own account (or for the account of others)
         such activities, employments, ventures, businesses and other pursuits
         as SAI in its sole, absolute and unfettered discretion, may elect.

D.       Notwithstanding the above, no activity, employment, venture, business
         or other pursuit of SAI during the term of this agreement shall
         conflict with SAI's obligations under this Agreement or be adverse to
         AMSE's interests during the term of this Agreement.

III.     SERVICES

SAI agrees to provide the following, hereinafter collectively referred to as the
"Services":

Serve as Management Consultants for AMSE, which shall include, but not be
limited to, those activities outlined herein and in the Support Services
schedule, attached hereto and hereby incorporated as part of this Agreement as
Exhibit B. SAI shall: a) complete an analysis of AMSE's business and industry,
b) coordinate with and offer input to, the Company's Public Relations and
Investor Relation Firms in the development of a complete financial public
relations program designed to enable AMSE to establish its business objectives
and broaden recognition of AMSE in the financial community in the U.S. and
abroad, c) SAI shall coordinate with the Company's Investor Relations
representative(s) to establish a comprehensive mailing list for AMSE, and
maintain and update the list as necessary.

A.       SAI acknowledges and agrees that it is being granted non-exclusive
         rights with respect to the Services to be provided to AMSE and that
         AMSE is free to engage other parties to provide services and products
         similar to those being provided by SAI hereunder.

B.       Assist AMSE in efforts to seek additional business/business
         relationships that will be of benefit to AMSE.

C.       Introduce AMSE to potential underwriters for an underwriting /
         Investments into AMSE, and advise AMSE in their negotiations for the
         terms and timing of said financing.

D.       Advise AMSE and/or any of its affiliates in its negotiations with one
         or more individuals, firms or entities (the "Candidate(s)") who may
         have an interest in providing investment capital in the form of bridge
         financing, private placement financing, media financing, or in pursuing
         a form of Business Combination with AMSE. As used in this Agreement,
         the term "Business Combination" shall be deemed to mean any form of

<PAGE>   2

         merger, acquisition, joint venture, licensing agreement, product sales
         and/or marketing, distribution, combination and/or consolidation, etc.
         involving AMSE and/or any of its affiliates and any other entity.

IV.      BEST EFFORTS.

SAI shall devote such time and effort, as it deems commercially reasonable under
the circumstances to the affairs of AMSE as is reasonable and adequate to render
the consulting services contemplated by this agreement. SAI is not responsible
for the performance of any services, which may be rendered hereunder without
AMSE providing the necessary information in writing prior thereto, nor shall SAI
include any services that constitute the rendering of any legal opinions or
performance of work that is in the ordinary purview of the Certified Public
Accountant. SAI cannot guarantee results on behalf of AMSE, but shall pursue all
reasonable avenues available through its network of contacts. At such time as an
interest is expressed by a third party in AMSE's needs, SAI shall notify AMSE
and advise it as to the source of such interest and any terms and conditions of
such interest. The acceptance and consumption of any transaction is subject to
acceptance of the terms and conditions by AMSE in its sole discretion. It is
understood that a portion of the compensation paid hereunder is being paid by
AMSE to have SAI remain available to advise it on transactions on an as-needed
basis.

In conjunction with the Services, SAI agrees to:

1.       Make itself available to the officers of AMSE at such mutually agreed
         upon place during normal business hours for reasonable periods of time,
         subject to reasonable advance notice and mutually convenient
         scheduling, for the purpose of advising AMSE in the preparation of such
         reports, summaries, corporate and/or transaction profiles, due
         diligence packages and/or other material and documentation
         ("Documentation") as shall be necessary, in the opinion of SAI, to
         properly present AMSE to other entities and individuals that could be
         of benefit to AMSE.

2.       Make itself available for telephone conferences with the principal
         financial sales and/or operating officer(s) of AMSE during normal
         business hours.

3.       Advise AMSE's management in corporate finance, structuring the nature,
         extent and other parameters of any private or other offer(s) to be made
         to Candidate(s).

4.       Advise AMSE management in evaluating proposals and participating in
         negotiations with Candidate(s). Advise AMSE regarding company
         operations, staffing, strategy, and other issues related to building
         shareholder value as AMSE may reasonably request, consistent with the
         provisions of this Agreement.

V.       EXPENSES

It is expressly agreed and understood that each party shall be responsible for
its own normal and reasonable out-of-pocket expenses which shall include:
accounting, long distance communication, and the printing and mailing of
materials, except as outlined in Exhibit B hereto.

VI.      COMPENSATION

In consideration for the Services, AMSE agrees that SAI shall be entitled to
compensation as follows:

A.       AMSE shall grant and deliver to SAI an Option to purchase:

1.       100,000 shares of AMSE at $0.50
2.       100,000 shares of AMSE at $ 1.00

The Option(s) shall be valid for a period of twenty-four (24) months from the
date hereof and the shares underlying the Option(s) shall carry piggyback
registration rights. The voting rights for the shares underlying the options
will remain with AMSE until such time as SAI elects to sell the shares into the
market in an arm's length transaction to the general public. The parties agree
to use AMSE's standard option format "B" as the agreement underlying the
options.

B.       AMSE agrees that in the event SAI introduces any of its financing
         sources or clients to AMSE with respect to a possible investment in, or
         other transaction with, AMSE or any of its affiliates, for a period of
         two (2) years after the date of such introduction, AMSE shall be
         obligated to pay to SAI a Consulting fee equal to 10.0%, or less of the
         gross amount of any such financing or arrangement, whether it be in the
         form of debt or equity, or otherwise, committed by such financing
         source to AMSE or any of its affiliates at any time during such time
         period. Any such fee shall be payable in full from the proceeds of the
         funding upon the closing of the transaction; however, the parties may
         negotiate and mutually agree to pay the fee in cash from the proceeds,
         or in any combination of cash or stock that the parties agree upon. SAI
         shall provide written notification to AMSE of any financing source
         introduced by SAI which it asserts to be covered by this Agreement, and
         the parties must agree in writing and attach the name of the party to
         this document as an addendum. This agreement does not extend to funding
         sources, or clients, initiated by AMSE before this agreement or
         relationship with SAI. In the event SAI has a financial commitment
         agreement with such client under which SAI shall receive a
         non-avoidable payment then AMSE shall be obligated to pay only the
         difference between said non-avoidable fee and contracted fee. In no

                                       2
<PAGE>   3

         event shall any fees be paid unless SAI took an active and measurable
         role in arranging the transaction, with the approval of AMSE, resulting
         in an actual funding to AMSE or its designees.

VII.     REPRESENTATIONS, WARRANTIES AND COVENANTS: SEC & LEGAL COMPLIANCE.

SAI hereby represents that it has in place policies and procedures relating to,
and addressing, with the commercially reasonable intent to ensure compliance
with, applicable securities laws, rules and regulations, including, but not
limited to:

         1.       The use, release or other publication of forward-looking
                  statements within the meaning of Section 27A of the Securities
                  Act and Section 21E of the Exchange Act.

         2.       Disclosure requirements outlined in Section 17B of the
                  Exchange Act regarding the required disclosure of the nature
                  and terms of SAI's relationship with AMSE in any and all SAI
                  literature or other communication(s) relating to AMSE,
                  including, but not limited to: Research Reports, Press
                  Releases, Publications on SAI's website, letters to investors
                  and telephone or other personal communication(s) with
                  potential or current investors.

SAI further acknowledges that by the very nature of its relationship with AMSE
it will, from time to time, have knowledge of or access to material non-public
information (as such term is defined by the Exchange Act) SAI hereby agrees and
covenants that:

         1.       SAI will not make any purchases or sales in the stock of AMSE
                  based on such information.

         2.       SAI will utilize its commercially reasonable efforts to
                  safeguard and prevent the dissemination of such information to
                  third parties unless authorized in writing by AMSE to do so as
                  may be necessary in the performance of its Services under this
                  Agreement.

         3.       SAI will not, in any way, utilize or otherwise include such
                  information, in actual form or in substantive content, in its
                  analysis for, preparation of or release of any SAI literature
                  or other communication(s) relating to AMSE, including, but not
                  limited to: Research Reports, Press Releases, Publications on
                  SAI's website, letters to investors and telephone or other
                  personal communication(s) with potential or current investors.

VIII.    EXECUTION.

The execution, delivery and performance of this Agreement, in the time and
manner herein specified, will not conflict with, result in a breach of, or
constitute a default under any existing agreement, indenture, or other
instrument to which either AMSE or SAI is a party or by which either entity may
be bound or affected.

IX.      NON-CIRCUMVENTION.

AMSE hereby irrevocably agrees not to circumvent, avoid, bypass, or obviate,
directly or indirectly, the intent of this Agreement, to avoid payment of fees
in any transaction with any corporation, partnership or individual introduced by
SAI to AMSE, in connection with any project, any loans or collateral, or other
transaction involving any products, transfers or services, or addition, renewal
extension, rollover, amendment, renegotiations, new contracts, parallel
contracts/agreements, or third party assignments thereof.

X.       TIMELY APPRISALS.

AMSE shall use its commercially reasonable efforts to keep SAI up to date and
apprised of all business, market and legal developments related to AMSE and its
operations and management.

Accordingly, AMSE shall provide SAI with copies of all amendments, revisions and
changes to its business and marketing plans, bylaws, articles of incorporation,
private placement memoranda, key contracts, employment and consulting agreements
and other operational agreements.

AMSE shall promptly notify SAI of all new contracts, agreements, joint ventures
or filings with any state, federal or local administrative agency, including
without limitation the SEC, NASD or any state agency, and shall provide all
related documents, including copies of the exact documents filed, to SAI,
including without limitation, all annual reports, quarterly reports and notices
of change of events, and registration statements filed with the SEC and any
state agency, directly to SAI.

AMSE shall also provide directly to SAI current financial statements, including
balance sheets, income statements, cash flows and all other documents provided
or generated by AMSE in the normal course of its business and requested by SAI
from time to time.

SAI shall keep all documents and information supplied to it hereunder
confidential as described in the section below titled, "CONFIDENTIAL DATA".

1.       CORPORATE AUTHORITY. Both AMSE and SAI have full legal authority to
         enter into this Agreement and to perform the same in the time and
         manner contemplated.

                                       3
<PAGE>   4

2.       The individuals whose signatures appear below are authorized to sign
         this Agreement on behalf of their respective corporations.

3.       AMSE will cooperate with SAI, and will promptly provide SAI with all
         pertinent materials and requested information in order for SAI to
         perform its Services pursuant to this Agreement.

4.       When delivered, the shares of AMSE's Common Stock shall be duly and
         validly issued, fully paid and non-assessable.

5.       AMSE acknowledges and understands that SAI is not a broker-dealer and
         AMSE may be required to pay additional underwriting fees in connection
         with any offerings, underwriting or financings to the appropriate
         underwriter and/or funding entity in addition to any fees paid to SAI.

6.       SAI represents and warrants to AMSE that a) it has the experience and
         ability as may be necessary to perform all the required Services with a
         high standard of quality, b) all Services will be performed in a
         workmanlike and professional manner, and c) all individuals it provides
         to perform the Services will be appropriately qualified and subject to
         appropriate agreements concerning the protection of trade secrets and
         confidential information of AMSE which such persons may have access to
         over the term of this Agreement.

7.       AMSE also agrees to enter into such additional agreements, sign such
         additional documents, and provide such additional certifications and
         documentation as may be requested by SAI, the Escrow Agent, the
         Placement Agent, Underwriter or such other parties related to the
         obtaining of capital for AMSE on such terms as may be acceptable to
         AMSE and SAI.

8.       Until termination of the engagement, AMSE will notify SAI promptly of
         the occurrence of any event, which might materially affect the
         condition (financial or otherwise), or prospects of AMSE.

9.       AMSE also agrees to provide on a monthly basis, a summary of current
         shareholders of AMSE's stock, and shall deliver monthly Depository
         Trust Corporation (DTC) shareholder summary sheets, or other such
         information as requested by SAI to be delivered to SAI within seven (7)
         days.

XI.      TERM AND TERMINATION

The term of this Agreement shall be one year from the date of execution. By
mutual agreement, the term can be extended for a second year, so long as both
parties initial an extension before the expiration of the initial term. However,
should either of the parties desire to terminate the agreement before the
expiration of the initial term, the party desiring to cancel shall notify the
other party in writing, giving a 30 day notice of desire to cancel, delivered to
the other party at their corporate offices. In AMSE's case this shall be the
Miami Shores office, attention Nelson Locke. In SAI's case this shall mean
Ocala, Florida, attention Frank Speight.

XII.     CONFIDENTIAL DATA

A.       SAI shall not divulge to others, any trade secret or confidential
         information, knowledge, or data concerning or pertaining to the
         business and affairs of AMSE, obtained by SAI as a result of its
         engagement hereunder, unless authorized, in writing by AMSE. SAI
         represents and warrants that it has established appropriate internal
         procedures for protecting the trade secrets and confidential
         information of AMSE, including, without limitation, restrictions on
         disclosure of such information to employees and other persons who may
         be engaged in rendering services to any person, firm or entity which
         may be competitor of AMSE.

B.       AMSE shall not divulge to others, any trade secret or confidential
         information, knowledge, or data concerning or pertaining to the
         business and affairs of SAI, obtained as a result of its engagement
         hereunder, unless authorized, in writing, by SAI.

C.       SAI shall not be required in the performance of its duties to divulge
         to AMSE, or any officer, director, agent or employee of AMSE, any
         secret or confidential information, knowledge, or data concerning any
         other person, firm or entity (including, but not limited to, any such
         person, firm or entity which may be a competitor or potential
         competitor of AMSE) which SAI may have or be able to obtain other than
         as a result of the relationship established by this Agreement.

XIII.    OTHER MATERIAL TERMS AND CONDITIONS:

A.       INDEMNITY. The parties hereto agree to provide indemnification to each
         other according to the provisions attached hereto as Exhibit A (the
         "Indemnification Provisions").

B.       PROVISIONS. Neither termination nor completion of the assignment shall
         affect the provisions of this Agreement, and the Indemnification
         Provisions, which are incorporated herein, which shall remain operative
         and in full force and effect.

C.       ADDITIONAL INSTRUMENTS. Each of the parties shall from time to time, at
         the request of others, execute, acknowledge and deliver to the other
         party any and all further instruments that may be reasonably required
         to give full effect and force to the provisions of this Agreement.

                                       4
<PAGE>   5

D.       ENTIRE AGREEMENT. Each of the parties hereby covenants that this
         Agreement, together with the exhibits attached hereto as earlier
         referenced, is intended to and does contain and embody herein all of
         the understandings and agreements, both written or oral, of the parties
         hereby with respect to the subject matter of this Agreement, and that
         there exists no oral agreement or understanding expressed or implied
         liability, whereby the absolute, final and unconditional character and
         nature of this Agreement shall be in any way invalidated, empowered or
         affected. There are no representations, warranties or covenants other
         than those set forth herein.

E.       ATTORNEY's REVIEW. Both parties agree that as soon as practical they
         will provide a copy of this agreement to their respective counsel, and
         agree that if counsel requests language changes or additional
         clarifications the parties will cooperate to make the Agreement conform
         to counsel's review. If the parties cannot agree on counsel's
         suggestions, the parties are free to terminate the agreement early
         without further obligation to each other.

         LAWS OF THE STATE OF FLORIDA.

This Agreement shall be deemed to be made in, governed by and interpreted under
and construed in all respects in accordance with the laws of the State of
Florida, irrespective of the country or place of domicile or residence of either
party. In the event of controversy arising out of the interpretation,
construction, performance or breach of this Agreement, the parties hereby agree
and consent to the jurisdiction and venue of the District or County Court of
Marion County, Florida, or the United States District Court for the District of
Florida.

         ASSIGNMENTS.

The benefits of the Agreement shall inure to the respective successors and
assignees of the parties hereto and of the indemnified parties hereunder and
their successors and assigns and representatives, and the obligations and
liabilities assumed in this Agreement by the parties hereto shall be binding
upon their respective successors and assigns; provided that neither party may
assign any rights or duties under this Agreement without the prior written
consent of the other party. Notwithstanding the foregoing, SAI may assign any
portion of its Compensation as outlined herein to its employees, affiliates,
sub-contractors or subsidiaries in its sole discretion.

         ORIGINALS. This Agreement may be executed in any number of
counterparts, each of which so executed shall be deemed an original and
constitute one and the same agreement. Facsimile copies with signatures shall be
given the same legal effect as an original.

         ADDRESSES OF PARTIES. Each party shall at all times keep the other
informed of its principal place of business if different from that stated
herein, and shall promptly notify the other of any change, giving the address of
the new place of business or residence.

         NOTICES. All notices that are required to be or may be sent pursuant to
the provision of this Agreement shall be sent by certified mail, return receipt
requested, or by overnight package delivery service to each of the parties at
the addresses appearing herein, and shall count from the date of mailing or the
validated air bill.

         MODIFICATION AND WAIVER. A modification or waiver of any of the
provisions of this Agreement shall be effective only if made in writing and -- -
executed with the same formality as this Agreement. The failure of any party
to--insist upon strict performance of any of the provisions of this Agreement
shall not be construed as a waiver of any subsequent default of the same or
similar nature or of any other nature.

         INJUNCTIVE RELIEF. Solely by virtue of their respective execution of
this Agreement and in consideration for the mutual covenants of each other, AMSE
and SAI hereby agree, consent and acknowledge that, in the event of a breach of
any material term of this Agreement, the non-breaching party will be without
adequate remedy-at-law and shall therefore, be entitled to immediately redress
any material breach of this Agreement by temporary or permanent injunctive or
mandatory relief obtained in an action or proceeding instituted in the District
or County Court of Marion County, State of Florida or the United States District
Court for the District of Florida without the necessity of proving damages and
without prejudice to any other remedies which the non-breaching party may have
at law or in equity. For the purposes of this Agreement, each party hereby
agrees and consents that upon a material breach of this Agreement as aforesaid,
in addition to any other legal and/or equitable remedies, the non-breaching
party may present a conformed copy of this Agreement to the aforesaid courts and
shall thereby be able to obtain a permanent injunction enforcing this Agreement
or barring, enjoining or otherwise prohibiting the other party from
circumventing the express written intent of the parties as enumerated in this
Agreement.

         ATTORNEY'S FEES. If any arbitration, litigation, action, suit, or other
proceeding is instituted to remedy, prevent or obtain relief from a breach of
this Agreement, in relation to a breach of this Agreement or pertaining to a
declaration of rights under this Agreement, the prevailing party will recover
all such party's attorneys' fees incurred in each and every such action, suit or
other proceeding, including any and all appeals or petitions there from. As used
in this Agreement, attorneys' fees will be deemed to be the full and actual cost
of any legal services actually performed in connection with the matters
involved, including those related to any appeal or the enforcement of any
judgment calculated on the basis of the usual fee charged by attorneys
performing such services.

If you are in agreement with the foregoing, please execute and return one copy
of this letter to the undersigned. Thank you. We look forward to working with
you.

                                       5
<PAGE>   6

APPROVED AND AGREED:

Speight & Associates, Inc.                         AMSE, Inc.

------------------------------            -------------------------------------
By:                                                By:

------------------------------            -------------------------------------
Name:                                              Name:

------------------------------            -------------------------------------
Title:   Title:

Date of execution:                        Date of execution:
                  ------------                              -------------------

                                       6

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