Document:

EXHIBIT 10.38
                                                                  -------------

                                LETTER AGREEMENT

                                                               November 9, 2000
Alan W. Carlton Revocable Living Trust (the "Trust")
10770 South 77th East Avenue
Tulsa, OK  74133
Attn: Alan W. Carlton, Trustee

Dear Sir:

         In order to induce the Trust to loan to Heartsoft, Inc. $250,000 (the
"Loan") as evidenced by that certain Promissory Note of even date ("Promissory
Note") secured by a security interest in certain collateral pursuant to that
certain Joint Security Agreement of even date ("Joint Security Agreement"),
Heartsoft, Inc. agrees to issue to the Trust 125,000 shares of common stock (the
"Shares"), par value $0.0005 per share, of Heartsoft, Inc., a Delaware
corporation ("Heartsoft"), on the following terms and conditions.

         1. The Trust acknowledges that the Shares are not registered under the
Act or any state securities laws. The Trust agrees that the Shares will not be
sold, offered for sale, pledged, hypothecated or otherwise transferred
(collectively, "Transfer"), except in compliance with the Securities Act of 1933
(the "Act") and applicable state securities laws. The Trust hereby consents to
the placing of appropriate restrictive legends upon the certificates
representing the Shares, and the placing of stop transfer orders with any
transfer agent with respect to the Shares.

         2. To induce Heartsoft to issue the Shares, the Trust hereby represents
and warrants to Heartsoft that:

         (a) the Trust is duly authorized to execute this Agreement, and when
executed and delivered by the Trust, will constitute a legal, valid and binding
obligation enforceable against the Trust in accordance with its terms;

         (b) the Shares are being acquired by the Trust for investment purposes
only, for the account of the Trust and not with the view to any resale or
distribution thereof;

         (c) the Trust has such knowledge and experience in financial and
business matters that the Trust is capable of evaluating the merits and risks of
an investment in Heartsoft and can afford a complete loss of its investment in
Heartsoft and the Trust has received all information about Heartsoft that it has
asked for; and

         (d) the Trust is an "accredited investor" as that term is defined in
the Act.

<PAGE>

Alan W. Carlton Revocable Living Trust
November 9, 2000
Page 2

         3. To induce the Trust to enter into this Agreement, to make the Loan
and to acquire the Shares, Heartsoft hereby represents and warrants to the Trust
as follows:

         (a) Heartsoft is a corporation validly existing and in good standing
under the laws of the State of Delaware and has the requisite power and
authority to own or lease its properties and to carry on its business as it is
now being conducted. Heartsoft has the requisite power and authority to issue
the Shares and to perform its obligations under this Agreement.

         (b) The Shares, when issued and delivered pursuant to terms of this
Agreement, will be duly authorized, validly issued, fully paid and
nonassessable.

         (c) This Agreement, the Joint Security Agreement of even date, the Loan
and the issuance of the Shares contemplated hereby have been duly authorized by
all necessary action on behalf of Heartsoft. This Agreement, the Joint Security
Agreement of even date and the Promissory Note evidencing the Loan have been
duly executed and delivered by authorized officers of Heartsoft, are valid and
binding agreements on the part of Heartsoft and are enforceable against
Heartsoft in accordance with their respective terms. All actions necessary to
the authorization, issuance and delivery of the Shares as contemplated by this
Agreement have been taken by Heartsoft.

         4. Heartsoft agrees to take all necessary action to cause the issuance
of such stock to the Trust, including the issuance of appropriate instructions
to its transfer agent.

         5. The Trust and Heartsoft agree that each will execute such other
documents as may be necessary or desirable in connection with the transactions
contemplated hereby including the Promissory Note and the Joint Security
Agreement.

         6. This Agreement shall be governed by and construed in accordance with
the laws of the State of Oklahoma, without regard to the conflicts of laws
principles thereunder.

                                           HEARTSOFT, INC.

                                           By: /s/ Benjamin P. Shell
                                               --------------------------------
                                               Benjamin Shell, Chairman and CEO
ACCEPTED AND AGREED TO:

ALAN W. CARLTON REVOCABLE  LIVING TRUST

By: /s/ Alan W. Carlton
    -------------------------------------------------
      Alan W. Carlton, Trustee

Employer I.D. No.
                  -----------------------------------

Date:    November 9, 2000EXHIBIT 10.39
                                                                 -------------

                                 PROMISSORY NOTE

$250,000                                                      November 9, 2000

         FOR VALUE RECEIVED, the undersigned, HEARTSOFT, INC., a Delaware
corporation, promises to pay to the order of JUNE LIMITED PARTNERSHIP
("Holder"), on the earlier of May 9, 2001 or five (5) business days after
Heartsoft shall have received equity investments or debt financing equal to or
in excess of $750,000, at such place as may be designed in writing by Holder,
the principal sum of Two Hundred Fifty Thousand and No/100 Dollars ($250,000),
together with interest thereon from the date hereof until maturity at a per
annum rate equal to 6.15%.

         While any default exists hereunder, the entire unpaid balance of
principal and accrued interest shall, from the date of such default, thereafter
bear interest at 15% per annum until paid.

         Upon default in any of the terms or conditions of this Note or of the
Joint Security Agreement of even date, at the option of the Holder, the entire
indebtedness hereby evidenced shall become due, payable and collectible then or
thereafter as the Holder may elect, regardless of the date of maturity hereof.

         The undersigned agrees that if, and as often as, this Note is placed in
the hands of an attorney for collection or to defend or enforce any of the
Holder's rights hereunder, the undersigned will pay to the Holder its reasonable
attorney fees, together with all court costs and reasonable expenses paid by
Holder.

         This Note is to be construed according to the laws of the State of
Oklahoma.

         The makers, endorsers, sureties, guarantors and all other persons who
may become liable for all or any part of this obligation severally waive
presentment for payment, protest and notice of nonpayment. Said parties consent
to any extension of time (whether one or more) of payment hereof, release of all
or any part of the security for payment hereof, or release of any party liable
for payment of this obligation. Any such extension or release may be made
without notice to any such party and without discharging said party's liability
hereunder.

         The undersigned may prepay this Note in whole or in part at any time
from time to time without premium or penalty but with interest to the date of
payment on the amount prepaid.

         This Note is secured by a security interest in certain collateral
pursuant to a Joint Security Agreement of even date. This Note, the Joint
Security Agreement and that certain Letter Agreement of even date between the
undersigned and Holder shall govern the rights of the parties hereto and
thereto.

         Executed on this 9th day of November, 2000.

                                     HEARTSOFT, INC.

                                     By /s/ Benjamin P. Shell
                                        ---------------------------------
                                         Benjamin Shell, Chairman and CEOEXHIBIT 10.40
                                                                 -------------

                             [HEARTSOFT LETTERHEAD]

                                LETTER AGREEMENT

                                                               November 9, 2000

June Limited Partnership
8086 South Yale, PMB#23
Tulsa, OK  74136
Attn: Robert K. Pezold, General Partner

Dear Sirs:

         In order to induce you to loan to Heartsoft, Inc. $250,000 (the "Loan")
by that certain Promissory Note of even date ("Promissory Note") secured by a
security interest in certain collateral pursuant to that certain Joint Security
Agreement of even date ("Joint Security Agreement"), Heartsoft, Inc. agrees to
issue to you 125,000 shares of common stock (the "Shares"), par value $0.0005
per share, of Heartsoft, Inc., a Delaware corporation ("Heartsoft"), on the
following terms and conditions.

         1. You acknowledge that the Shares are not registered under the Act or
any state securities laws. You agree that the Shares will not be sold, offered
for sale, pledged, hypothecated or otherwise transferred (collectively,
"Transfer"), except in compliance with the Securities Act of 1933 (the "Act")
and applicable state securities laws. You hereby consent to the placing of
appropriate restrictive legends upon the certificates representing the Shares,
and the placing of stop transfer orders with any transfer agent with respect to
the Shares.

         2. To induce Heartsoft to issue the Shares, you hereby represent and
warrant to Heartsoft that:

         (a) you are duly authorized to execute this Agreement, and when
executed and delivered by you, will constitute a legal, valid and binding
obligation enforceable against you in accordance with its terms;

         (b) the Shares are being acquired by you for investment purposes only,
for your account and not with the view to any resale or distribution thereof;

         (c) you have such knowledge and experience in financial and business
matters that you are capable of evaluating the merits and risks of an investment
in Heartsoft and can afford a complete loss of your investment in Heartsoft and
you have received all information about Heartsoft that you have asked for or
that Heartsoft, deems material to the subject loan; and

         (d) you are an "accredited investor" as that term is defined in the
Act.

<PAGE>

June Limited Partnership
November 9, 2000
Page 2

         3. To induce you to enter into this Agreement, to make the Loan and to
acquire the Shares, Heartsoft hereby represents and warrants to you as follows:

         (a) Heartsoft is a corporation validly existing and in good standing
under the laws of the State of Delaware and has the requisite power and
authority to own or lease its properties and to carry on its business as it is
now being conducted. Heartsoft has the requisite power and authority to issue
the Shares and to perform its obligations under this Agreement.

         (b) The Shares, when issued and delivered pursuant to terms of this
Agreement, will be duly authorized, validly issued, fully paid and
nonassessable.

         (c) This Agreement, the Joint Security Agreement of even date, the Loan
and the issuance of the Shares contemplated hereby have been duly authorized by
all necessary action on behalf of Heartsoft. This Agreement, the Joint Security
Agreement of even date and the Promissory Note evidencing the Loan have been
duly executed and delivered by authorized officers of Heartsoft, are valid and
binding agreements on the part of Heartsoft and are enforceable against
Heartsoft in accordance with their respective terms. All actions necessary to
the authorization, issuance and delivery of the Shares as contemplated by this
Agreement have been taken by Heartsoft.

         4. Heartsoft agrees to take all necessary action to cause the issuance
of such stock to you, including the issuance of appropriate instructions to its
transfer agent.

         5. You and Heartsoft agree that each will execute such other documents
as may be necessary or desirable in connection with the transactions
contemplated hereby including the Promissory Note and Joint Security Agreement.

         6. This Agreement shall be governed by and construed in accordance with
the laws of the State of Oklahoma, without regard to the conflicts of laws
principles thereunder.

                                           HEARTSOFT, INC.

                                           By: /s/ Benjamin P. Shell
                                               --------------------------------
                                               Benjamin Shell, Chairman and CEO
ACCEPTED AND AGREED TO:

JUNE LIMITED PARTNERSHIP

By:  /s/ Robert K. Pezold
    ----------------------------------------
       Robert K. Pezold, General Partner

Employer I.D. No.
                  --------------------------

Dated:   November 9, 2000

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