Document:

EXHIBIT 10.1

November 20, 2003

William M. Smith
Reink Corp.
2085 Hurontario St.
Mississauga, Ontario
L5A 4G1\

         RE:      Proposed Reorganization

Dear Mr. Smith:

         This letter agreement serves as the agreement between Reink Corp. (the
"Company") and Jackson Steinem, Inc. ("JSI") regarding compensation for
non-legal, consulting services provided by JSI to the Company, including but not
limited to services in connection with the Company's proposed reorganization
transaction (the "Reorganization"). Upon execution of this agreement, the
Company shall duly issue and deliver, or cause to deliver, immediately to JSI
50,000 free trading shares of the Company's common stock at a value of $.10 per
share (the "Shares"). In the event the Company must register the Shares on Form
S-8, then the parties agree that the shares will be issued to Adam S.
Gottbetter.

         The Company, under a separate agreement ("Retainer Agreement"), has
retained the legal services of Gottbetter & Partners, LLP ("G&P") as its
corporate and securities counsel. The Company and JSI agree that this agreement
and the consideration being paid hereunder are not in exchange for legal
services, and no legal services have been or will be provided to the Company by
JSI. In addition, JSI has not been asked to perform, is not required to perform,
and has not performed any due diligence with respect to the above-referenced
transactions, nor has it advised or counseled the Company as to the financial
viability or likelihood of success of the above-referenced transaction.

         G&P and JSI consist of the same principal owners. The Retainer
Agreement includes disclosures, waivers and consents regarding the conflict of
interest raised by G&P's legal representation of the Company and JSI's
relationship with the Company hereunder, which are specifically incorporated
herein by reference.

         The Company acknowledges that the value of JSI's shares could have a
substantially higher value than the value of the services provided by JSI. This
Agreement is to be governed by New York law. It may be modified only in writing
signed by JSI and the Company.

                                       9
<PAGE>

We look forward to working with you in developing the Company's business.

Sincerely,

/s/ Adam S. Gottbetter
President

AGREED AND ACCEPTED:

Reink Corp.

By: /s/ William Smith
   ---------------------
Name: William Smith
      ------------------
Title: CFO
      ------------------

                                       102999 Northeast 191st Street, Penthouse 2, Aventura, FL 33180

PRESS RELEASE
FOR RELEASE December 7, 2004, before market

                        ADVANTAGE CAPITAL MAKES STRATEGIC
                       INVESTMENT IN NETWORTH TECHNOLOGIES

MIAMI, DECEMBER 7, 2004 -- Advantage Capital Development Corp. (OTC Pink Sheets:
AVCP) announced today that it has participated in a $600,000 investment in
Networth Technologies, formerly known as Colmena Corp. (OTCBB: CLME), a global
management consulting, technology services and acquisition company.

Networth Technologies is a leading provider of outsourced information technology
and business solutions that help mid-market businesses, financial institutions
and corporations create and manage data integrity, network security and
information technology business processes. Networth's business plan calls for
the acquisition of companies with good name recognition in their respective
markets and a history of profitability. More information on the company can be
found at http://www.networthco.com.

The investment was made in the form of a collateralized senior debenture and
Advantage Capital also received warrants to purchase common stock in Networth
for its commitment.

Jeffrey Sternberg, CEO of Advantage Capital, said, "With this investment,
Advantage Capital is providing an advantageous financial solution for a
promising small company that requires capital in order to realize its potential.
Networth Technologies meets our specific criteria for investments and has
provided an acceptable exit strategy. We are looking forward to becoming part of
the financial means for the company's success."

L. Joshua Eikov, CEO of Networth Technologies, said, "We are delighted that
Advantage Capital understands the potential for our company. With Advantage
Capital on our team, Networth can more effectively and efficiently meet its
goals of providing our 250-plus clients with IT revitalization plans, corporate
technology platforms and performance-oriented IT standards."
<PAGE>

ABOUT ADVANTAGE CAPITAL DEVELOPMENT CORP.

Advantage Capital is a business development company, which operates specifically
to meet the needs of small and emerging companies that need capital to grow.
Business development companies, as defined under the Investment Act of 1940, are
specifically designed to encourage the growth of small businesses. The rules
provide certain financing advantages for companies that invest in small and
emerging businesses. As a result, this will include investing in both public and
private entities using certain types of debt and equity financing not normally
available to other public companies.

An investment profile about Advantage Capital Development may be found online at
http://www.hawkassociates.com/advantagecap/profile.htm.

An online investor kit containing Advantage Capital Development press releases,
SEC filings, current price Level II quotes, interactive Java, stock charts and
other useful information for investors can be found at
http://www.hawkassociates.com and http://www.hawkmicrocaps.com. Investors may
contact Frank Hawkins or Julie Marshall, Hawk Associates, at (305) 852-2383,
e-mail: info@hawkassociates.com.

Safe Harbor Statement: The Private Securities Litigation Reform Act of 1995
provides a "safe harbor" for forward-looking statements. Certain of the
statements contained herein, which are not historical facts, are forward-looking
statements with respect to events, the occurrence of which involve risks and
uncertainties. These forward-looking statements may be impacted, either
positively or negatively, by various factors. Information concerning potential
factors that could affect the Company is detailed from time to time in the
Company's reports filed with the Securities and Exchange Commission.[LETTERHEAD OF THE SINGING MACHINE]

                                                                   July 13, 2004

To      Maureen LaRoche
        Tel:  603-286-8791
        Fax: 603-286-9548

SUBJECT:   SMC WIRING INFORMATION

Dear Maureen,

Per Jay Bauer's instruction, I have attached the wiring instruction for loan of
$200,000 to The Singing Machine Company Inc. (SMC) by investors identified by
Jay Bauer.

On behalf of SMC, we have agreed to pay 8.75% annual interest rate plus any
expense associated with the transaction. We understand that this is a short term
and SMC has agreed to repay the loan as soon as cash flow has improved or as an
advance against the expected tax refund of $1.1MM from IRS.

Please give us a call if there is any question.

Best regards,

/s/ Y.P. Chan                           /s/ Jeffrey Barocas
Y.P. Chan                               Jeffery Barocas
Interim CEO and COO                     CFO

                    Total number of pages including cover: 2

Cc:        Jay Bauer   Fax: 212-921-9454EXHIBIT 10.1

 _________ __, 200_

[Name of Recipient]

Dear [Recipient]:

Pursuant to the terms and conditions of the company's 2004 Stock Incentive
Comp Plan (the 'Plan'), you have been granted options to purchase [NUMBER]
shares (the 'Option') of stock as outlined below.

                     Granted To:   [NAME]
                                   [SOCIAL SECURITY NUMBER]
                     Grant Date:   [DATE]

                Options Granted:   [NUMBER]
         Option Price per Share:   $[PRICE]  Total Cost to Exercise:   $[AMOUNT]

                Expiration Date:   [DATE][10 YEARS FROM GRANT]

               Vesting Schedule:   25% on [FIRST ANNIVERSARY OF GRANT]
                                   25% on [SECOND ANNIVERSARY OF GRANT]
                                   25% on [THIRD ANNIVERSARY OF GRANT]
                                   25% on [FOURTH ANNIVERSARY OF GRANT]

By my signature below, I hereby acknowledge receipt of this Option granted
on the date shown above, which has been issued to me under the terms and
conditions of the Plan. I further acknowledge receipt of the copy of the Plan
and agree to conform to all of the terms and conditions of the Option and the
Plan.

     Signature: ______________________________________ Date: ________________

<PAGE>

                               VERINT SYSTEMS INC.

                             Stock Option Agreement

     This STOCK OPTION AGREEMENT governs the terms and conditions of the stock
option (the "Option") specified in the Notice of Grant of Stock Options and
Option Agreement delivered herewith (the "Notice of Grant") entitling the person
to whom the Notice of Grant is addressed (the "Grantee") to purchase from Verint
Systems Inc. (the "Corporation") the number of shares (the "Shares") of the
Corporation's Common Stock, par value $.001 per share (the "Common Stock")
indicated in the Notice of Grant, subject to adjustment.

     1. The Option. The Option is granted pursuant to the Corporation's Stock
Option or Compensation Plan indicated in the Notice of Grant (the "Plan") and is
effective from and after the effective date specified in the Notice of Grant
(the "Date of Grant"). The Grantee, by executing the Notice of Grant and
accepting the Option, acknowledges that the Option is in all respects subject to
and governed by the terms of this Agreement and of the Plan. The Grantee
acknowledges receipt of the Plan and that the provisions of the Plan are
incorporated herein by reference in their entirety.

     2. The Option Price. The purchase price of the Shares issuable upon
exercise of the Option is the price specified in the Notice of Grant, subject to
adjustment as provided in the Plan (the "Option Price"), which price is agreed
to be not less than the fair market value of the Shares as of the Date of Grant.

     3. Exercise of Option.

     (a) The exercise of the Option and the acquisition, holding and disposition
of the Shares shall be subject to the terms and provisions of the Plan and this
Agreement. Neither the Grantee nor the Grantee's legal representatives, legatees
or distributees shall be or be deemed to be the holder of any of the Shares
unless and until the Option shall have been duly exercised and certificates
representing such Shares shall have been issued. Upon payment of the Option
Price in accordance with the terms hereof, the Shares shall be fully paid and
nonassessable.

     (b) Except as otherwise expressly provided in this Agreement or in the
Plan, the Option shall become exercisable in the following intervals (the
"Exercising Dates"): (i) one-quarter of the total number of Shares shall become
exercisable ___________; (ii) the second-quarter of the total number of Shares
shall become exercisable ___________; (iii) the third-quarter of the total
number of Shares shall become exercisable ___________; and (iv) the final and
fourth-quarter of the total number of Shares shall become exercisable
___________, provided that the Grantee shall be a full-time employee of the
Corporation or any parent or subsidiary of the Corporation at the time of the
respective Exercising Date. Following the occurrence of each such Exercising
Date, the Option shall remain exercisable as to the Shares for which it becomes
exercisable at that date until it is exercised in full or terminates. In no
event shall the Option be exercisable after the expiration of ten years from the
Date of Grant.

                                       2
<PAGE>

     (c) Not less than fifteen nor more than thirty calendar days prior to the
date upon which all or any portion of the Option is to be exercised, the person
at the time entitled to exercise the Option (the "Option Holder") shall deliver
to the Corporation written notice (the "Notice") of his election to exercise all
or a part of the Option, which Notice shall specify the date for the exercise of
the Option and the number of Shares in respect of which the Option is to be
exercised. The date specified in the Notice shall be a business day of the
Corporation.

     (d) On the date specified in the Notice, the Option Price of the Shares in
respect of which the Option is exercised shall be paid in full by the Option
Holder, and the Corporation shall deliver to the Option Holder certificates
representing the number of Shares in respect of which the Option is being
exercised, registered in his name. All or any portion of such payment must be
made in immediately available United States dollars; no other form of payment
will be accepted.

     (e) Unless a registration statement under the Securities Act of 1933, as
amended (the "Securities Act"), permitting the sale and delivery of the Shares
upon exercise of the Option shall be in effect at the date of such exercise, the
Shares shall be issued only in reliance on the Option Holder's representations
made hereby and effective the date of such issuance that such Shares are being
acquired for investment and not with a present view to distribution; that the
Option Holder understands that the Shares have not been registered under the
Securities Act and cannot be sold, transferred, pledged or hypothecated unless a
registration statement under the Securities Act is in effect with respect
thereto or the Corporation has received an opinion of counsel, satisfactory to
it, to the effect that such registration is not required; that the Option Holder
has such knowledge and experience in financial and business matters as is
necessary to evaluate the risks of the investment represented by the purchase of
the Shares and is able to bear the economic risk of such investment; that the
Option Holder is purchasing the Shares based on an independent evaluation of the
long-term prospects of the Corporation; and that the Option Holder has been
furnished with such financial and other information relating to the Corporation
as the Option Holder has requested. The Corporation may require, as a condition
of the issuance of any Shares upon the exercise of the Option, that the person
exercising the Option execute and deliver to the Corporation such certificates,
agreements or other instruments as in the judgment of the Corporation may be
necessary or otherwise appropriate to assure that the Shares are issued in
accordance with the Securities Act and all other applicable laws and regulations
and that the certificates representing the Shares issued upon such exercise bear
any restrictive legend required for such purpose. If, and to the extent that, in
the judgment of the Corporation the exercise of the Option may, under applicable
laws or regulations in effect at the time of exercise, subject the Corporation
to any obligation to withhold or pay amounts for federal, state, local, social
security, or any other taxes, the exercise of the Option and the issuance of any
Shares thereunder shall be subject to such conditions, including the payment of
funds to the Corporation or the offset of amounts otherwise payable by the
Corporation, as the Corporation may determine to be necessary or otherwise
appropriate to satisfy such obligation.

     4. Adjustment of Option. The number of Shares issuable upon exercise of the
Option, or the amount and kind of other securities issuable in addition thereto
or in lieu thereof upon the occurrence of certain events specified in the Plan,
shall be determined and subject to adjustment, as the case may be, in accordance
with the procedures specified therein. Any such adjustment shall be made to the
nearest whole share, and no fractional shares shall be issued as a result of any
adjustment pursuant to this Section. Any such adjustment (whether or not notice
is given) shall be effective and binding for all purposes of the Plan.

                                       3
<PAGE>

     5. Transfer of Option; Termination of Employment. Neither the Option nor
any interest therein shall be assignable or transferable except as expressly
permitted by, and in accordance with the applicable terms and conditions of, the
Plan. If the employment of the Grantee is terminated for any reason or if the
Grantee shall retire or die while in the employ of the Corporation or any of its
subsidiaries, or during the period in which the Option may be exercised after
the termination of the Grantee's employment, subject to the applicable terms and
conditions of this Agreement, the Option may be exercised within the time limits
described in the Plan by the person or persons specified therein.

     6. Miscellaneous.

     (a) As a condition of the grant of the Option, the Grantee hereby agrees,
for himself and his personal representatives, successors and assigns, that any
dispute which may arise under or as a result of the application of the terms and
conditions of this Agreement or the Plan shall be determined by the Board of
Directors of the Corporation or any Committee thereof to whom the administration
of the Plan is delegated thereunder, which determination shall be final, binding
and conclusive.

     (b) The existence of the Option shall not be deemed to constitute or confer
upon the Option Holder any rights as a shareholder of the Corporation prior to
its exercise, and shall not be deemed to affect in any way the right or power of
the Corporation or its shareholders to make or authorize to be made (i) any
adjustments, recapitalizations, reorganizations or other changes in the capital
structure or business of the Corporation, (ii) any merger or consolidation of
the Corporation with or into any other corporation or entity, (iii) any issue of
bonds, debentures or capital stock entitling the holders thereof to rights,
preferences or privileges superior to the holders of shares of Common Stock in
respect of such shares, (iv) the dissolution or liquidation of the Corporation,
or the sale or transfer of all or any part of its assets or business or (v) any
other corporate act or proceeding, whether of a similar character or otherwise.

     (c) In the event that the Option Holder shall at any time sell any of the
Shares, he shall give written notice of such sale to the Corporation not later
than ten days after the date thereof, which notice shall state the number of
Shares sold and the amount received upon such sale.

     (d) This Agreement shall be binding upon and shall inure to the benefit of
any successor or assign of the Corporation and, to the extent provided herein
and in the Plan, shall be binding upon and inure to the benefit of the Grantee's
legal representatives, successors and assigns.

                                       4
<PAGE>

     (e) This Agreement shall be governed by and construed in accordance with
the laws of the State of New York applicable to contracts made and to be
performed entirely in such State.

     (f) This Agreement, together with the Notice of Grant and the Plan,
constitutes the entire agreement and understanding between the Corporation and
the Grantee relative to the subject matter hereof and may be amended, modified
or superseded, except as otherwise expressly provided in the Plan, only by a
written instrument duly executed by the party or parties sought to be bound
thereby.

                                       5

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