Document:

Exhibit 10.11

(SLM LOGO)

135 Pinelawn Road
Suite 130N
Melville, NY 11747
Office: (631) 393-0153
Toll Free: (866) SLM-LEAD
Fax: (631) 393-0159
www.slmbiz.com

                             TBeV PAYMENT AGREEMENT
                                     BETWEEN
                           SALES LEAD MANAGEMENT INC.
                                       AND
                          KENT FINANCIAL IN COSTA RICA

I Adam Silverstein, acting as a Managing Representative of Kent Financial in
Costa Rica authorize Sales Lead Management to enter into an agreement with Kent
Financial for a total of 30 users on The Broker's e-Vantage web based software.
This is a 90 day commitment. After 90 days, the term will automatically renew
for a period of 1 year. The fee is $100.00 USD per month per user which equals
$3,000.00 USD each month. This represents the monthly licensing fee for
unlimited individual use of The Broker's e-Vantage for 30 users. Payment must be
wired into SLM's corporate bank account on or before the 1st of every month
commencing on August 1st 2005.

The dialer portion of TBeV is still under construction for Kent Financial and
will be completed once Kent Financials technical support department provides SLM
with the technical data they requested.

<PAGE>

I acknowledge that any request to terminate these services must occur in writing
to SLM Inc., 135 Pinelawn Rd. suite 130N Melville, NY 11747 at least 30 days in
advance of the termination date.

Sales Lead Management Inc. acknowledges that all proprietary information stored
on SLM servers or SLM databases are NOT property of SLM Inc., or any of its
subsidiaries or employees. SLM Inc. will utilize all security measures discussed
to protect all database information.

Please allow my signature along with the signature of Michael Mavrovitis,
National Sales Manager at SLM as acknowledgement to allow Sales Lead Management
Inc. to start developing the Kent Financial Intro Flash and assign 30 user names
and passwords on TBeV. I agree with the amount stated and will wire the amount
to SLM's corporate account ON A monthly basis.

/s/ Adam Silverstein PRESIDENT
---------------------------------                                   ------------
Adam Silverstein - Kent Financial                                   Date

---------------------------------
Michael Mavrovitis - SLM

(C.R. OFFICE)
OFICENTRO LA SABANA, EDIFICIO 7 PISO 8 SAN JOSE, C.R.
-----------------------------------------------------
Kent Financial Office Address

PLEASE USE THE FOLLOWING CONTACT INFO FOR THE WEB INTERFACE AND FLASH:

<PAGE>

                           SALES LEAD MANAGEMENT, INC.

                              SUBSCRIBER AGREEMENT

      AGREEMENT made this 1st day of August, 2005 between SALES LEAD MANAGEMENT,
INC. ("SLM"), a Delaware corporation having offices located at 135 Pinelawn
Road, Suite 130N, Melville, NY 11747 and KENT FINANCIAL ("Subscriber") with
offices at Oficentro La Sabana Edifico 7 PIS03 San Jose Costa Rica.

            WHEREAS, SLM owns and operates its proprietary "Broker's E-Vantage"
sales lead management system and related software and documentation accessible
by its customers via the Internet (the "System");

            WHEREAS, Subscriber desires to contract with SLM, and SLM desires to
provide Subscriber with the use of and access to the System upon the terms and
conditions set forth herein;

            NOW THEREFORE, the parties agree as follows:

      1.    SERVICES TO BE PROVIDED. Subject to the terms and conditions set
forth herein, SLM agrees to provide Subscriber with a non-exclusive limited
license to use and access the System. The System presently provides the
functions described on Schedule A annexed hereto and may be modified from time
to time by SLM, at SLM's sole and exclusive discretion.

      2.    CHARGES AND TERMS OF PAYMENT. In consideration of the use of and
access to the System, Subscriber agrees to pay SLM the license fees and charges
as set forth on Schedule B annexed hereto. In addition, Subscriber shall be
responsible for payment of all Federal, state, and local taxes, if any, other
than taxes assessed against SLM's income, and for telecommunication and
connectivity charges relating to Subscriber's use and access of the System, and
related equipment at Subscriber's premises. Invoices for Subscriber's use of and
access to the System shall be calculated in accordance with the scheduled
charges and shall be rendered monthly. Payment by Subscriber of applicable fees
and charges will be due upon issuance of the invoice for such fees and charges.
Additional fees, charges and other terms may apply in connection with the
provision of new products or services offered by SLM, which shall be mutually
agreed upon by the parties hereto.

      3.    SUBSCRIBER DATA. In connection with Subscriber's use of the System,
the parties acknowledge that SLM will collect from Subscriber certain data and
information and maintain that data on its database (the "Data"). SUBJECT TO
SECTION 11(d) BELOW, ALL DATA AND RIGHTS THEREIN SHALL BE THE EXCLUSIVE PROPERTY
OF SUBSCRIBER.

      4.    ACCOUNT NUMBERS, USER I.D. CODES AND PASSWORDS. Subscriber will be
assigned an account number to be used for billing purposes. User ID codes and
associated passwords will be assigned to Subscriber and/or Subscriber's
employees who Subscriber notifies SLM in writing are authorized to access the
System. Subscriber and its employees may gain on-line access, via

<PAGE>

secure point-to-point connections, to the System by utilizing their User ID
codes and passwords. If an authorized user ("User") becomes ineligible to access
the system by virtue of the termination of such User's employment or for any
other reason, Subscriber shall (i) promptly notify SLM of such termination; and
(ii) terminate such employee's User ID code and password. SLM shall not be
responsible for access to and/or reports ordered utilizing User ID codes and
passwords by unauthorized Users. User ID codes and passwords may be changed in
the sole discretion of SLM at any time.

      5.    CERTIFICATION BY SUBSCRIBER. Subscriber expressly agrees and
acknowledges the following:

            (a)   In using any data, information, content or reports received by
it as the result of the use of and access to the System, Subscriber expressly
assumes all risks, known and unknown, relating thereto.

            (b)   Subscriber will utilize all data, information, content and
reports provided by SLM hereunder solely in connection with its lawful
operations (including, without limitation, e-mail usage) and will not request or
use such information for any purpose which may be prohibited by applicable law,
rule or regulation. All such information shall be utilized and maintained by
Subscriber in such manner as may be required by applicable laws, rules or
regulations.

            (c)   The System is designed to operate in conjunction with the
hardware and connectivity specifications designated by SLM, which Subscriber
acknowledges it is solely responsible to procure and maintain. The terminals or
other equipment used to access the System will be operated only by authorized
employees of Subscriber who have received sufficient training in the use and
operation thereof and who are aware of the limitations and other provisions
contained in this Agreement. Subscriber agrees to (i) take all reasonable
measures to prevent unauthorized use of such terminal(s) or equipment and access
to the System by any person other than authorized and designated operators, and
(ii) to establish, and enforce policies whereby its employees are forbidden to
access the System except as provided for herein.

            (d)   Each attempt by Subscriber or its employees to access the
System shall constitute a reaffirmation of the representations and agreements
set forth in this Agreement.

            (e)   The System and all proprietary rights and intellectual
property rights relating to the System are the sole and exclusive property of
SLM, and Subscriber shall have no claim relating thereto. Subscriber expressly
acknowledges and agrees that SLM is and shall remain the exclusive owner of the
System and all source code, object code, machine language, software, and all
intellectual property rights, patent rights, trademarks, copyrights and trade
secrets therein and associated therewith, and as may be associated with any
other business owned or operated by SLM or its principals (collectively, the
"SLM Intellectual Property").

      6.    REPRESENTATIONS AND WARRANTIES OF SLM. SLM hereby represents and
warrants to Subscriber as follows:

                                        2

<PAGE>

            (a)   SLM is the owner of the System and has full right, power and
authority to execute, deliver and perform its obligations under this Agreement.

            (b)   The Intellectual Property rights utilized in connection with
the System and performance of the Services hereunder do not violate any rights
of any third party, and there is currently no actual or threatened suit by any
such third party based on an alleged violation of such rights by SLM.

            (c)   The System shall function substantially in accordance with the
specifications set forth on Schedule A annexed hereto.

      7.    REPRESENTATIONS AND WARRANTIES OF SUBSCRIBER. Subscriber hereby
represents and warrants to SLM as follows:

            (a)   The execution, delivery and performance of this Agreement has
been duly authorized by all necessary action on the part of Subscriber and does
not violate any provision of applicable law, rule or regulation.

            (b)   Subscriber shall make no claim nor assert any interest or
right in the SLM Intellectual Property.

      8.    CONFIDENTIAL INFORMATION.

            (a)   Each party undertakes to retain in confidence the non-public
terms of this Agreement and all other non-public information and know-how
disclosed pursuant to this Agreement which is either designated as proprietary
and/or confidential or by nature of the circumstances surrounding disclosure,
ought in good faith to be treated as proprietary and/or confidential, and all
copies thereof and notes relating thereto ("Confidential Information");
provided, however, that each party hereto may disclose the terms and conditions
of this Agreement to its immediate legal and financial consultants. The term
"Confidential Information" does not include any information which (i) at the
time of disclosure or thereafter is generally available to the public (other
than as a result of a disclosure directly or indirectly by a party or its
representatives in violation of this Agreement), (ii) is or becomes available to
a party on a non-confidential basis from a source other than the other party or
its representatives, provided that, to the receiving party's knowledge, such
source was not prohibited from disclosing such information to such receiving
party by a legal, contractual or fiduciary obligation owed to the other party,
(iii) was in a party's possession or knowledge prior to its being furnished by
or on behalf of the party, prohibited from disclosing such information to such
party by a legal, contractual or fiduciary obligation owed to the other party,
(iv) is developed by the receiving party independently of any disclosure of such
Confidential Information by the disclosing party; or (v) whose disclosure is
required by applicable law, rule or regulation. Each party agrees not to
disclose the other party's Confidential Information to any third party without
the prior written consent of the disclosing party. A party's disclosure of
Confidential Information as required by government or judicial order is not
prohibited by this Agreement, provided that the disclosing party gives the other
party prompt notice of such order and assists in the procurement of appropriate
protective order (or equivalent) imposed on such disclosure. Nothing contained

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<PAGE>

herein limits either party's right to develop products independently without the
use of the other party's Confidential Information. Except as may otherwise be
specified in a duly countersigned rider or amendment hereto, to the extent not
inconsistent with this Section 8, the terms of any non-disclosure agreement(s)
entered into between the parties prior to this Agreement expressly survive the
execution of this Agreement and are deemed incorporated herein by reference.

            (b)   Each party agrees that money damages would not be a sufficient
remedy for any breach or threatened breach of this Section 8 by it and that the
other party shall be entitled to equitable relief, including an injunction and
specific performance, in the event of any such breach or threatened breach, in
addition to all other remedies available at law or in equity without the
necessity of posting any bond or other security or proving that monetary damages
would be an inadequate remedy. Such remedies shall not be deemed to be the
exclusive remedies for a breach of this Agreement but shall be in addition to
all other remedies available at law or in equity.

      9.    DISCLAIMERS AND LIMITATION OF LIABILITY

            (a)   Subscriber expressly agrees that use of and access to the
System is at Subscriber's sole risk. Neither SLM nor its affiliates, officers,
directors, shareholders, employees or agents warrant that the System or any
services rendered by SLM will be uninterrupted or error-free, nor do they make
any warranty as to the results (including cost savings) that may be obtained
from the use of the System or Services or as to the accuracy, reliability or
currency of any data, information or content provided therefrom. THE PARTIES
EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE WARRANTIES, LIMITATIONS AND EXCLUSIONS
SET FORTH IN THIS AGREEMENT (I) REPRESENT THE PARTIES' AGREEMENT AS TO THE
ALLOCATION OF RISK BETWEEN THE PARTIES AND THAT THE AMOUNTS PAYABLE BY
SUBSCRIBER TO SLM PURSUANT TO THIS AGREEMENT REFLECT SUCH ALLOCATION OF RISK,
WITHOUT WHICH NEITHER PARTY WOULD HAVE BEEN WILLING TO ENTER INTO THIS
AGREEMENT; AND (II) FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES.

            (b)   THE SYSTEM AND ANY SERVICES ARE PROVIDED BY SLM ON AN "AS IS"
AND "AS AVAILABLE" BASIS. OTHER THAN AS EXPRESSLY PROVIDED FOR HEREIN, SLM MAKES
NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE
OPERATION OF THE SYSTEM AND SERVICES OR THE DATA, INFORMATION, CONTENT,
MATERIALS OR PRODUCTS OBTAINED THEREFROM. TO THE FULLEST EXTENT PERMISSIBLE BY
APPLICABLE LAW, RULE, OR REGULATION, SLM DISCLAIMS ALL WARRANTIES, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND
FITNESS FOR A PARTICULAR PURPOSE. UNDER NO CIRCUMSTANCES SHALL SLM, ITS
AFFILIATES OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS BE
LIABLE TO SUBSCRIBER OR ANY THIRD-PARTY FOR ANY INDIRECT, CONSEQUENTIAL,
INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST
PROFITS AND BUSINESS INTERRUPTION, WHETHER IN CONTRACT OR IN TORT, INCLUDING
NEGLIGENCE, ARISING IN ANY WAY FROM ANY PRODUCT OR SERVICE SOLD OR

                                        4

<PAGE>

PROVIDED ON THE SLM SYSTEM, EVEN IF SLM IS EXPRESSLY ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES. IN NO EVENT SHALL SLM'S LIABILITY EXCEED THE PRICE PAID BY
SUBSCRIBER FOR THE USE OF AND ACCESS TO THE SYSTEM OR THE SERVICES. NO ORAL
ADVICE OR WRITTEN INFORMATION GIVEN BY SLM OR ITS AFFILIATES, NOR ANY OF THEIR
OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PROVIDERS, OR THE LIKE, SHALL CREATE A
WARRANTY; NOR SHALL USER RELY ON ANY SUCH INFORMATION OR ADVICE.

            (c)   Under no circumstances shall SLM be liable for any direct,
indirect, incidental, special, or consequential damages that result from the use
of or inability to use the System or any data, information or content obtained
from the System that results from mistakes, omissions, interruptions, deletion
of files or e-mail, errors, defects, viruses, delays in operation or
transmission, or any failure of performance, whether or not resulting from acts
of God, communications failure, theft, destruction, or unauthorized access to
SLM's records, programs, or services. Subscriber hereby acknowledges that this
paragraph shall apply to all data, information content, reports, and services
available through the System.

      10.   INDEMNIFICATION.

            (a)   Each party agrees to indemnify, defend, and hold harmless the
other party, and its officers, directors, shareholders, employees, successors
and assigns, from and against any and all actions, causes of action, claims,
demands, costs, liabilities, expenses and damages (including, without
limitation, reasonable attorneys' fees) arising out of or in connection with any
breach of any representation, warranty or covenant set forth herein. In
addition, Subscriber hereby agrees to indemnify, defend and hold SLM, its
officers, directors, shareholders, employees, successors and assigns, harmless
from and against any and all actions, causes of action, claims, demands, costs,
liabilities, expenses and damages (including, without limitation, reasonable
attorneys' fees) arising out of or in connection with the use and operation of
the System, including, without limitation, the provision or transmission of any
data, content, reports or services.

            (b)   If either party requests indemnification hereunder
("Indemnified Party"), it will give notice to the party from which
indemnification is requested ("Indemnifying Party") promptly after the receipt
of any claim that may be indemnifiable hereunder and afford the Indemnifying
Party the opportunity to control the defense and approve any compromise,
settlement, litigation or other resolution or other disposition of such claim
except that the Indemnifying Party will have reasonable approval as to any
settlement, and if the Indemnifying Party unreasonably fails to approve any
settlement, it will be responsible for any and all losses, liabilities, damages,
costs and expenses (including without limitation reasonable outside attorneys'
fees and expenses) in excess of and after the time of the proposed settlement.
If the Indemnifying Party assumes control over an indemnified claim, the
Indemnified Party may participate in such defense at its sole cost and expense
and shall provide the Indemnifying Party with such reasonable cooperation and
assistance as may be required in the defense of any such claim.

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<PAGE>

      11.   TERM AND TERMINATION.

            (a)   TERM. This Agreement shall become effective as of the date
first written above ("Effective Date") and shall continue for a period of 90
days from the date hereof (the "Term") unless terminated earlier as provided
below. Each consecutive twelve (12) month period commencing on the Effective
Date and continuing through the expiration of the Term shall be referred to
herein as a "Contract Year." The Term of the Agreement may be extended upon the
mutual written agreement of the parties.

            (b)   TERMINATION FOR CAUSE. Notwithstanding the Term of this
Agreement as provided in Section 11(a) above, this Agreement may be terminated
at any time by either party in the event either party breaches any material
provision of this Agreement, and such breach is not cured within ten (10) days
following the breaching party's receipt of written notice of such breach from
the non-breaching party. The termination right provided in this Section 11 is
not exclusive of any remedies to which either party may otherwise be entitled in
law or in equity in the event of a breach of this Agreement.

            (c)   TERMINATION WITHOUT CAUSE. Following the completion of the
first Contract Year of this Agreement, notwithstanding the foregoing, either
party may terminate this Agreement with or without cause, at any time upon three
(3) months' prior written notice.

            (d)   RETURN OF CONFIDENTIAL INFORMATION. Upon the termination of
this Agreement by either party for any reason, each party shall promptly return
all Confidential Information belonging to the other party provided that,
notwithstanding anything contained herein to the contrary, in the event of
termination by SLM due to non-payment by Subscriber of any monies owed
hereunder, SLM shall have the right to retain and use for its benefit any Data
and all rights related thereto.

      12.   NOTICES. All notices and statements to be given under this Agreement
shall be given in writing, derived by hand, overnight express or similar service
(fee prepaid), or first class United States registered or certified mail with
return receipt requested (postage prepaid), or facsimile to the following
addresses (which may be changed by written notice according to the terms of this
paragraph):

IF TO SLM:          Sales Lead Management, Inc.
                    135 Pinelawn Road
                    Suite 130N
                    Melville, NY 11747
                    Attn: Michael Mavrovitis - National Sales Manager
                    Fax No.: (631)393-0153

                                        6

<PAGE>

IF TO SUBSCRIBER:   KENT FINANCIAL
                    OFICENTRO LA SABANA
                    EDIFICO 7 PIS03 SAN JOSE, COSTA RICA
                    ATTN: ADAM SILVERSTEIN
                    FAX NO.: 866-517-8975

All written notices and statements shall be deemed given, delivered, received
and effective upon personal delivery, the same day of sending by facsimile once
confirmed, one calendar day after sending by overnight express or similar
service, or three calendar days after mailing by first class United States mail.

      13.   HEADINGS. The paragraph and section headings used in this Agreement
are for purposes of convenience only and shall not be deemed a part of this
Agreement for purposes of construction or interpretation.

      14.   ENTIRE AGREEMENT, AMENDMENT. This Agreement constitutes the entire
agreement and understanding between the parties relating to the subject matter
hereof, and all other prior agreements or understandings, written or verbal, are
hereby superseded. This Agreement cannot be amended, waived or modified unless
the parties so agree in writing signed by both of the parties hereto.

      15.   ASSIGNMENT. This Agreement and the rights and duties hereunder may
not be assigned or delegated by either party without the prior written consent
of the non-assigning party, except by SLM, in connection with a sale of it's
entire business, whether such sale is accomplished by a transfer of
substantially all of its assets, by merger or otherwise provided that any such
assignee agrees in writing to be bound by the terms of this Agreement.

      16.   NO PARTNERSHIP. Nothing contained herein shall constitute this
arrangement to be a joint venture or a partnership between SLM and Subscriber.

      17.   SUCCESSORS AND ASSIGNS. This Agreement shall inure to the benefit of
and be binding upon the parties hereto and their respective successors and
permitted assigns.

      18.   NO WAIVER. Failure on the part of either party to complain of any
action or non-action of the other party shall not be deemed to be a waiver of
any rights under this Agreement. No waiver of any of the provisions of this
Agreement shall be deemed to be a waiver of other provisions of this Agreement,
and a waiver at any time of the provisions of this Agreement shall not be
construed as a wavier at any subsequent time of the same provisions.

      19.   SEVERABILITY. If any term of this Agreement is held to be invalid or
unenforceable, this Agreement shall be construed without such invalid or
unenforceable term.

      20.   COUNTERPARTS. This Agreement may be executed in any number of
counterparts and by different parties on separate counterparts. Each counterpart
so executed shall be deemed an original, but all such counterparts shall
together constitute one and the same instrument.

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<PAGE>

      21.   GOVERNING LAW. This Agreement shall be construed in accordance with
the laws of the State of New York, without regard to its conflicts of laws
principles. Any and all actions arising out of the performance of this Agreement
shall only be maintained in the appropriate Federal or State courts located in
the State of New York, Counties of Nassau or Suffolk and the parties irrevocably
consent to the exclusive jurisdiction of such courts. Subscriber expressly
acknowledges and agrees that the pricing and other terms herein have been
negotiated, set and calculated in reliance on Subscriber's agreement and
willingness to be exclusively and irrevocably subject to the personal
jurisdiction of the state and federal courts located in New York State, Counties
of Nassau or Suffolk and that SLM would not enter into this Agreement absent
such agreement by Subscriber.

[SUBSCRIBER]                                SALES LEAD MANAGEMENT, INC.

Kent Financial                              By: /s/ Michael Mavrovitis
-----------------------------------------       --------------------------------
(Print Business Name)                       (Signature of Authorized
                                               Representative)

By: /s/ Adam Silverstein                    Name: Michael Mavrovitis
    -------------------------------------         ------------------------------
(Signature of Authorized Representative)    (Print Name of Authorized
                                               Representative)

NAME: Adam Silverstein                      Title: National Sales Manager
      -----------------------------------          -----------------------------
(Print Name of Authorized Representative)   (Title of Authorized Representative)

TITLE:
       ----------------------------------
(Title of Authorized Representative)

DATE                                        DATE
     ------------------------------------        -------------------------------

                                        8

<PAGE>

                                   SCHEDULE A

                                    SERVICES

o     Custom Registered Representative Set-up

o     Login Registration and password assignment

o     Introductory Custom Flash campaign

o     Two digital photographs captured and uploaded

o     Custom digital resume' preparation and upload

o     On-site or Web based introductory tutorial and workshop

o     Unlimited customer service

o     100mb storage (approximately 50,000 leads) per user

o     Complete security through Verisign 128bit encrypted SSL.

o     100% Redundancy via failover co-location at Globix Inc

<PAGE>

                                   SCHEDULE B

                                 FEES AND TERMS

1.    PERIOD OF CONTRACT

      (a)   This contract is for a period of 90 days. After the 90 days the
            contract will automatically renew into a 1 year term.

2.    MONTHLY SUBSCRIPTION FEE AND SET-UP FEE

      (a)   $100.00 USD based on cost associated with current terminals needed
            by Subscriber, and will be kept at this level up to and including 30
            terminals of usage. Payment of monthly subscription fee to commence
            August 1st 2005 from the date hereof.

      (b)   A $200 per user set-up fee will be waived for the first 30 users.

      (c)   The above fees do include a FlashPro customization. Additional
            charges for FlashPro customization will be assessed at a price to be
            mutually agreed upon between Subscriber and SLM.

3.    SECURITY DEPOSIT

      (a)   A security deposit in an amount equal to 0 months of subscription
            fees is due upon execution of this Agreement.

4.    RENEWAL OF CONTRACT

      (a)   Subscriber shall have the right to renew this Agreement upon at
            least six (6) months prior written notice to SLM, for a period of
            either one (1), two (2) or three (3) years (at Subscriber's option)
            provided, that the subscription fees and other costs to be charged
            to Subscriber shall be at SLM's then published rates for the System
            (or any comparable system then being used). The original term and
            any renewal terms shall be subject to SLM's right of termination as
            provided for hereinabove.Exhibit 10.12

                       LICENSE AND CO-MARKETING AGREEMENT

      THIS LICENSE AND CO-MARKETING AGREEMENT (the "Agreement") is made as of
November 11, 2004, by and among Sales Lead Management, Inc., a New York
corporation having offices located at 145 Pinelawn Road, Suite LL-100, Melville,
New York 11747 ("Sales Lead"), SLM HOLDINGS, INC., a Delaware corporation having
offices located at 145 Pinelawn Road, Suite LL-100, Melville, New York 11747
("SLM Holdings," and together with Sales Lead referred to hereinafter as "SLM")
and GUNN ALLEN FINANCIAL CORP., a Florida corporation having offices located at
1715 Westshore Boulevard, Suite 700, Tampa, Florida 33607 ("GAF").

                                   WITNESSETH:

      WHEREAS, SLM is the owner of certain products and technology known as The
Broker's e-Vantage(TM) Sales Lead Management System, which is designed to assist
securities brokers/dealers in managing their sales prospects via the Internet
and to assist them in increasing the proportion of their sales leads that are
converted to actual sales (the "System"); and

      WHEREAS, GAF is a broker/dealer with a large network of branches and
Offices of Supervisory Jurisdiction (the "GAP Network"); and

      WHEREAS, GAF desires to acquire from SLM, and SLM desires to grant to GAF,
a non-exclusive and non-transferable license to access and utilize the System in
its main office, upon the terms and conditions set forth in this Agreement; and

      WHEREAS, upon the terms and conditions set forth herein, GAF desires to
promote, market and endorse the System to all of its registered representatives
in the GAF Network; and

      WHEREAS, SLM and GAF will co-market all of the SLM Lead Products to the
Users (as defined below).

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

      1.    LICENSE.

            (a)   Subject to the terms and conditions set forth in this
Agreement and so long as GAF is not in breach of any of the terms contained in
this Agreement, SLM hereby grants to GAF, and GAF agrees to accept, a
non-exclusive, non-transferable, revocable license (the "License"):

                  (i)   To use and access the System by GAF registered
representatives in the GAF office located in Tampa, Florida, solely for the use
and operation of GAF's business;

<PAGE>

                  (ii)  To promote, market and endorse the System to its
registered representatives in the GAF Network: and

                  (iii) To co-market all of SLM's Lead Product offerings to
Users (as defined in Section 2(c)).

            The License shall commence on the date hereof (the "Effective Date")
and shall terminate in accordance with the provisions of this Agreement.

      2.    INSTALLATION AND TRAINING.

            (a)   Upon the execution of this Agreement, SLM shall make
arrangements with GAF for SLM personnel (the "Implementation Team") to travel to
GAF's corporate office in Tampa, Florida in order to perform any desktop
installations and adjustments necessary for GAF to access and use the System. At
this time, the Implementation Team shall also provide (i) GAF administrative and
key compliance staff members with a presentation highlighting the benefits and
features of the System and (ii) tutorials for each new User of the System.

            (b)   GAF acknowledges that the access and use of the System depends
on GAF's provision of the appropriate hardware and software as set forth herein,
or such other hardware or software as SLM may require from time to time
(collectively, the "Operating Environment"). GAF shall be responsible for (i)
all fees imposed by a telephone or Internet service provider in connection with
its use of the System and (ii) the cost of procuring and maintaining the
Operating Environment. GAF agrees that GAF will utilize a reputable antivirus
software program on GAF's equipment and that GAF will update such antivirus
software periodically in accordance with a commercially reasonable schedule.

            (c)   In connection with the initial set-up and training, GAF hereby
agrees to pay an initial fee of Two Hundred ($200.00) per User (the "Set-up
Fee") which shall entitle each User to the services set forth on Exhibit A
annexed hereto. For the purposes of this Agreement, the term "User" shall be
defined as a registered representative of GAF or of the GAF Network with whom
SLM contracts for the use of the System and the provision of certain services by
SLM.

      3.    PROMOTION AND USE OF THE SYSTEM.

            (a)   During the Term (as defined in Section 8(a)), GAF agrees to
use its best efforts to promote, market and endorse the System throughout the
GAF Network.

            (b)   In addition to GAF's payment of the Set-up Fee, each GAF
registered representative who desires to access and use the System shall pay the
Monthly System Fee (as defined in Section 3(d)). Contemporaneously with the
execution and delivery of this Agreement, GAF shall execute and deliver to SLM a
master user agreement on behalf of GAF and all of the Users, a copy of which is
annexed hereto as Exhibit B (the "Master User Agreement").

            (c)   In consideration for the access and use of the System, GAF
hereby agrees

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<PAGE>

to pay to SLM, for each User, an amount equal to Fifty ($50.00) Dollars per
month (the "GAF Fee"). The GAF Fee shall be due and payable to SLM within
fifteen (15) days of the invoice date. Late payments will incur a charge of 1.5%
per month, but in any event shall not exceed the maximum amount allowed by law.

            (d)   GAF hereby agrees to charge each User One Hundred and Fifty ($
150.00) Dollars per month (the "Monthly System Fee"), of which Fifty ($50.00)
Dollars shall be offered to the owners/operators of the branches and Offices of
Supervisory Jurisdiction throughout the GAF Network as an inducement to generate
Users.

      4.    SLM DIALER UPGRADE. Certain other functions of the System and
related products and services are and will be made available by SLM to GAF and
the Users, including an SLM-Dialer VOIP Auto Dial Feature/Softone and
Telebock(TM) license (the "SLM Dialer Upgrade"). The parties hereto anticipate
that the SLM Dialer Upgrade shall be available on or about January 1, 2005. At
the time the SLM Dialer Upgrade becomes available for use by SLM's customers,
SLM and GAF shall promote and market the SLM Dialer Upgrade to all Users and,
for each User that subscribes to the upgrade, GAF agrees to pay an initial
Softphone licensing fee of One Hundred ($100.00) per User plus any monthly fees
in connection with local, long distance and international phone service provided
by SLM or its third party provider.

      5.    CO-MARKETING OF LEADS.

            (a)   During the Term (as defined in Section 8(a)), GAF agrees to
use its best efforts to promote, market and sell all of the SLM lead product
offerings (each a "Lead" and collectively, the "Leads") throughout the GAF
Network.

            (b)   For all Leads sold to any User or as a direct result of an
introduction by GAF, SLM shall pay to GAF a commission equal to $.01 per Lead
(the "Lead Commission"). The Lead Commission shall be paid to GAF on a monthly
basis within fifteen (15) days following the completion of the calendar month in
which the Lead Commission was earned. The amount of Lead Commission which has
accrued may be viewed at any time by GAF via an electronic interface maintained
by SLM.

            (c)   In consideration for GAF's co-marketing efforts hereunder, SLM
Holdings hereby agrees to grant to GAF an option to purchase up to 25,000,000
shares of SLM Holdings' common stock, at an exercise price of Twenty ($0.20)
Cents per share (the "Option"), such Option to be in substantially the form
annexed hereto as Exhibit C. The Option shall be delivered contemporaneously
with the execution of this Agreement, but may be cancelled or modified by SLM
Holdings, in its sole discretion, at any time, prior to December 31, 2005 in
accordance with its terms. In addition, in consideration of the Option and all
other rights set forth in this Agreement, GAF hereby agrees that, upon the
exercise of the Option, GAF shall execute and deliver to SLM Holdings an
irrevocable proxy with respect to the voting rights of the common stock
underlying the Option.

            (d)   The parties hereto acknowledge that SLM may develop certain
service packages with respect to the System (i.e., silver, gold and platinum)
and, at such time, the parties

                                        3

<PAGE>

hereby agree that they shall negotiate, in good faith, a fee sharing arrangement
for their promotion and sale similar to that which is set forth herein.

      6.    PROPRIETARY RIGHTS.

            (a)   Except for the limited license to use the System set forth
herein, SLM (and/or any third party providers of any components of, or
integration for, the System, as applicable) shall own all worldwide right, title
and interest in and to any applications made available hereunder, the System,
and to any modifications, updates, upgrades, copies, derivative works,
augmentations or customizations of the applications or the System, whether
created by the GAF or at GAF's suggestion or request, or otherwise, including
all worldwide intellectual property rights to the same, including, without
limitation, all United States and worldwide patents, patent applications,
copyrights, trademarks, service marks, trade secrets, rights of publicity and
other proprietary rights (collectively, the "SLM Proprietary Rights"). The
parties agree that in no way shall the provisions of this Agreement transfer or
constitute an agreement to transfer the System or the developments, updates and
improvements thereto. GAF hereby assigns to SLM any and all right, title and
interest that may be conferred upon GAF in any SLM Proprietary Rights. GAF will
execute such documents as may be deemed reasonably necessary to effect such
assignment. All rights not expressly granted to GAF herein are reserved to SLM
(and/or any third party providers of any components of, or integration for, the
System, as applicable).

            (b)   GAF shall not, and shall not permit its employees, Users or
any other person to: (i) copy or duplicate the System or any part thereof; (ii)
create a source program and/or object program or code associated with any
software component of the System; or (iii) modify, translate, reverse engineer,
decompile, disassemble, create derivative works based on, the System.

      7.    REPRESENTATIONS, WARRANTIES AND COVENANTS.

            (a)   REPRESENTATIONS, WARRANTIES AND COVENANTS OF SLM. SLM hereby
represents, warrants and covenants the following:

                  (i)   SLM is a corporation duly organized, validly existing
and in good standing under the laws of the State of Delaware, with full right,
power and authority to enter into and perform its obligations under this
Agreement.

                  (ii)  The execution, delivery and performance of this
Agreement does not conflict with, violate or breach with any agreement to which
SLM is a party and constitutes the legal, valid and binding obligation of SLM
enforceable against SLM in accordance with its terms.

            (b)   REPRESENTATIONS, WARRANTIES AND COVENANTS OF GAF. GAF hereby
represents, warrants and covenants the following:

                                        4

<PAGE>

                  (i)   GAF is a corporation duly organized, validly existing
and in good standing under the laws of the State of Florida, with full right,
power and authority to enter into and perform this Agreement.

                  (ii)  The execution, delivery and performance of this
Agreement does not conflict with, violate or breach any agreement to which GAF
is a party and constitutes the legal, valid and binding obligation of GAF
enforceable against GAF in accordance with its terms.

                  (iii) GAF will not use the System for any purpose which is
improper or which violates this Agreement or any federal, state, provincial or
local law, rule or regulation.

                  (iv)  Any advertising, marketing, promotional material or
other material (whether in print, electronically or otherwise) used to promote
the System or the Leads that is published or distributed by GAF and/or contains
any SLM trademarks (the "Materials") must be approved in advance by SLM in
writing. GAF shall cause all Materials to be delivered or made available to SLM
for review, comment, and approval or disapproval. GAF shall not publish or
distribute any Materials without the prior written approval of SLM, which
approval shall not be unreasonably withheld. If, within ten (10) business days
of receipt by SLM of such Materials for approval, SLM has not notified GAF of
disapproval, such Materials shall be deemed approved. GAF may not amend, modify,
or alter Materials as they appear in the version delivered for pre-approval
after they have been approved by SLM, except with the explicit written approval
of SLM.

      8.    TERM AND TERMINATION.

            (a)   This Agreement shall commence as of the date first written
above and continue for a period of two (2) years (the "Term"), unless terminated
sooner in accordance with this Agreement. This Agreement will automatically
renew at the end of the Term for additional one (1) year periods (each an
additional Term unless one of the parties notifies the other, in writing, sixty
(60) days prior to the end of the Term or any additional Term of its intention
not to renew).

            (b)   Notwithstanding the foregoing, either party may terminate this
Agreement upon a material breach of the terms of this Agreement by the other
party, which breach remains uncured following thirty (30) days written notice of
such breach to the other party.

            (c)   The  termination  of this Agreement will not relieve either
party of any  obligation  it may have to the other party hereto  incurred  under
this Agreement prior to the effective date of termination.

            (d)   Within three (3) days following the termination of this
Agreement, by either party, GAF shall (i) return any materials containing SLM
Proprietary Rights and any copies or derivatives thereof to SLM; (ii)
permanently disable any means GAF may have of accessing the System to SLM; and
(iii) certify the completion of such steps in writing to SLM.

                                        5

<PAGE>

      9.    CONFIDENTIALITY.

            (a)   GAF shall permit access to the System only by its Users and
its employees who have a need to know in connection with the License rights
granted pursuant to this Agreement. GAF shall not sell, transfer, publish,
disclose, display or otherwise make available any portion of the System to
others or permit others to access the System, without the prior written consent
of SLM. GAF agrees to secure and protect the System in a manner consistent with
the maintenance of SLM's rights therein, and in accordance with the terms of
this Agreement, and to take appropriate action by instruction or agreement with
the Users and its employees who are permitted access to the System to satisfy
its obligations hereunder. GAF shall cooperate with and assist SLM in
identifying and preventing any unauthorized use, copying or disclosure of the
System. Without limitation of the foregoing, GAF shall advise SLM immediately in
the event GAF learns or has reason to believe that any person has violated or
intends to violate the confidentiality of the System or the proprietary rights
of SLM, and GAF will, at GAF's expense, cooperate with SLM in seeking injunctive
or other equitable relief in the name of, at SLM's sole discretion, either GAF
or SLM, against any such person. GAF agrees to maintain the confidentiality of
the System using not less than the same degree of care as GAF uses to maintain
the confidentiality of GAF's own most confidential information, but in no event,
less than reasonable care. GAF acknowledges that the disclosure of any aspect of
the System, or any other confidential information referred to herein, or any
information which at law or equity ought to remain confidential, will
immediately give rise to continuing irreparable injury to SLM inadequately
compensable in damages at law, and SLM shall be entitled to obtain immediate
injunctive relief against the breach or threatened breach of any of the
foregoing confidentiality undertakings (without the posting of any bond), in
addition to any other legal remedies which may be available and GAF hereby
consents to the obtaining of such injunctive relief.

            (b)   SLM agrees to maintain the confidentiality of GAF's
confidential information using not less than the same degree of care as SLM uses
to maintain the confidentiality of SLM's own most confidential information, but
in no event, less than reasonable care. SLM acknowledges that the disclosure of
any of GAF's confidential information referred to herein, or any information
which at law or equity ought to remain confidential, will immediately give rise
to continuing irreparable injury to GAF inadequately compensable in damages at
law, and GAF shall be entitled to obtain immediate injunctive relief against the
breach or threatened breach of any of the foregoing confidentiality undertakings
(without the posting of any bond), in addition to any other legal remedies which
may be available and SLM hereby consents to the obtaining of such injunctive
relief.

      10.   INDEMNIFICATION.

            (a)   SLM shall, at all times, during and after the Term of this
Agreement, be responsible for, and shall defend, indemnify and hold GAF, its
officers, directors, affiliates and shareholders harmless from and against any
and all losses, claims, suits, proceedings, expenses, recoveries and damages,
including reasonable attorneys' fees, arising out of the performance of this
Agreement, to the extent such liability results from the negligence or willful
misconduct of SLM, or any breach of any representation or warranty given herein
by SLM; provided that (i)

                                        6

<PAGE>

GAF shall give SLM prompt notice of any such claim or lawsuit, and (ii) GAF
shall have the right to compromise, settle, or defend such claim or lawsuit at
GAF's sole cost and expense.

            (b)   GAF shall, at all times, during and after the Term of this
Agreement, be responsible for, and shall defend, indemnify and hold SLM, its
officers, directors, affiliates and shareholders harmless from and against any
and all losses, claims, suits, proceedings, expenses, recoveries and damages,
including reasonable attorneys' fees, arising out of the performance of this
Agreement, to the extent such liability results from the negligence or willful
misconduct of GAF, or any breach of any representation or warranty given herein
by GAF; provided that (i) SLM shall give GAF prompt notice of any such claim or
lawsuit, and (ii) SLM shall have the right to compromise, settle, or defend such
claim or lawsuit at SLM' sole cost and expense.

      11.   WARRANTY.

            (a)   SLM warrants that the System will be free of material defects
and will operate substantially in accordance with the specifications contained
in the Master User Agreement. GAF shall promptly notify SLM of any defects or
errors in the System. If the System is found to be defective, SLM's sole
obligation under this warranty is to remedy such defect free of charge within a
reasonable time following such notification by GAF.

            (b)   THE ABOVE IS A LIMITED WARRANTY AND IS THE ONLY WARRANTY MADE
BY SLM HEREUNDER. SLM EXPRESSLY DISCLAIMS, AND GAF HEREBY EXPRESSLY WAIVES, ALL
WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF
TITLE, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OR
WARRANTIES AS TO ANY RESULTS TO BE OBTAINED FROM ANY USE OF THE SOFTWARE OR
INFORMATION DERIVED THEREFROM.

            (c)   The Parties understand that GAF may use its own or certain
third-party software or equipment in conjunction with the Software. SLM MAKES NO
WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, AS TO THE QUALITY,
CAPABILITIES, OPERATIONS, PERFORMANCE OR SUITABILITY OF THIRD-PARTY SOFTWARE OR
EQUIPMENT, INCLUDING THE ABILITY TO INTEGRATE SAME WITH THE SYSTEM. THE QUALITY,
CAPABILITIES, OPERATIONS, PERFORMANCE AND SUITABILITY OF ITS OWN OR THIRD-PARTY
SOFTWARE OR EQUIPMENT LIE SOLELY WITH GAF AND THE VENDOR OR SUPPLIER OF SUCH
THIRD-PARTY SOFTWARE OR EQUIPMENT, AS THE CASE MAY BE.

      12.   LIMITATION OF LIABILITY.

            (a)   SLM SHALL HAVE NO LIABILITY WITH RESPECT TO ITS OBLIGATIONS
UNDER THIS AGREEMENT OR OTHERWISE FOR CONSEQUENTIAL, EXEMPLARY, SPECIAL,
INDIRECT, INCIDENTAL OR PUNITIVE DAMAGES EVEN IN IF IT HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION OR
CLAIMS IN THE AGGREGATE, INCLUDING WITHOUT LIMITATION TO BREACH OF CONTRACT,

                                        7

<PAGE>

BREACH OF WARRANTY, INDEMNITY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATION,
AND OTHER TORTS. BOTH PARTIES UNDERSTAND AND AGREE THAT THE REMEDIES, EXCLUSIONS
AND LIMITATIONS HEREIN ALLOCATE THE RISKS OF PRODUCT AND SERVICE NON-CONFORMITY
BETWEEN THE PARTIES AS AUTHORIZED BY THE UNIFORM COMMERCIAL CODE AND/OR OTHER
APPLICABLE LAWS. THE LICENSE HEREIN REFLECTS, AND IS SET IN RELIANCE UPON, THIS
ALLOCATION OF RISK AND THE EXCLUSION OF CONSEQUENTIAL DAMAGES AND LIMITATIONS OF
LIABILITY SET FORTH IN THIS AGREEMENT.

            (b)   EXCEPT FOR THE INDEMNITY OBLIGATIONS SET FORTH IN THIS
AGREEMENT, IN NO EVENT SHALL SLM'S LIABILITY FOR ANY DAMAGES IN ANY ACTION,
HOWEVER BASED, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT EXCEED THE
FEES AND CHARGES DUE TO SLM IN THE PRECEEDING TWELVE (12) MONTHS UNDER THIS
AGREEMENT. IN THE EVENT SUCH ACTION ARISES AT ANY TIME BEFORE THE COMPLETION OF
THE INITIAL TWELVE (12) MONTHS OF THE TERM OF THIS AGREEMENT, THE FEES AND
CHARGES DUE TO SLM AT SUCH TIME SHALL BE ANNUALIZED FOR PURPOSES OF CALCULATING
THE MAXIMUM LIABILITY OWED FOR ANY DAMAGES HEREUNDER. IN NO EVENT SHALL EITHER
PARTY'S AGGREGATE LIABILITY FOR INDEMNITY OBLIGATIONS UNDER THIS AGREEMENT
EXCEED $1,000,000.

      13.   GENERAL PROVISIONS.

            (a)   TAXES. GAF shall pay any and all applicable federal, state and
local sales, use, value added, excise, duty and any other taxes of any nature
(except any taxes based upon SLM's net income) assessed on the System and
services provided by SLM to GAF and the Users.

            (b)   RELATIONSHIP. SLM and GAF agree that their relationship is
that of principal and independent contractor. Neither party shall have any right
or authority to assume or claim any obligation of any kind, express or implied,
by or on behalf of the other party, or to bind the other party in any way
whatsoever. SLM and its personnel, agents, suppliers and affiliates, in
performing this Agreement, are acting as independent contractors and not as
employees or agents of GAF. Under no circumstance shall either party have the
right or authority to enter into any contracts or assume any obligations for the
other or to give any warranty to or make any representation on behalf of the
other. No verbal statement of a SLM employee shall affect the rights,
obligations or warranties of the parties hereunder.

            (c)   ENTIRE AGREEMENT. This Agreement, including all schedules and
addendum, constitutes the complete and exclusive agreement between the parties
with respect to the subject matter of this Agreement, and supercedes any
previous or contemporaneous negotiations, proposals, understandings, and all
oral and written agreements between the parties relating to the subject matter
of this Agreement. If any provision of this Agreement is held by a court of
competent jurisdiction to be contrary to law, invalid or unenforceable, such
provision shall be changed and interpreted so as to best accomplish the
objectives of the original provision

                                        8

<PAGE>

to the fullest extent allowed by law and, in any event, the remaining provisions
of this Agreement shall remain in full force and effect.

            (d)   GOVERNING LAW. This Agreement shall be governed by and
construed in accordance with the laws of the State of New York without regard to
conflicts of law principles.

            (e)   ASSIGNMENT OF AGREEMENT. This Agreement, or any part thereof,
may not be assigned by either party without the prior written consent of the
non-assigning party, such consent not to be unreasonably withheld or delayed.

            (f)   WAIVER. No failure by either party to insist upon strict
performance of any provisions of this Agreement shall be construed to modify or
waive such provision. No delay or omission by either party to exercise any right
under this Agreement shall impair any such right or shall be construed to be a
waiver of any default or any acquiescence therein.

            (g)   REMEDIES. All rights of either party under this Agreement
shall be cumulative and in addition to all rights afforded to each party at law
or in equity. The election by either party to exercise any right hereunder
shall, in no event, preclude or waiver the right of that party to exercise at
any time any or all other rights it may have.

            (h)   NOTICES. Any notice required or permitted to be given
hereunder shall be deemed effective upon the delivery by overnight courier,
certified mail, return receipt requested or via facsimile of such notice
addressed to the party to which notice is being given, at the address or fax
number specified below, or to other addresses as may be designated.

            If to SLM, to:            SLM Holdings, Inc.
                                      145 Pinelawn Road
                                      Suite LL-100
                                      Melville, New York 11747
                                      Fax: (631)393-0159
                                      Attention: Peter Cohen, President

            With a Copy to:           Ruskin Moscou Faltischek, P.C.
                                      190 EAB Plaza
                                      East Tower, 15th Floor
                                      Uniondale, New York 11556
                                      Fax:(516)663-6719
                                      Attention: Adam P. Silvers, Esq.

            If to GAF, to:            Gunn Allen Financial Corp.
                                      1715 Westshore Boulevard
                                      Suite 700
                                      Tampa, Florida 33607
                                      Fax: 813-569-2337
                                      Attention: Richard Nummi

                                        9

<PAGE>

                  (i)   HEADINGS. The headings of this Agreement are for
convenience and reference only and in no way define, limit or describe the
scope or intent of this Agreement nor affect it in any way.

                  (j)   COUNTERPARTS. This Agreement may be executed in any
number of counterparts, each of which shall be deemed to be an original and all
of which together shall be deemed to be one and the same instrument.

                                       10

<PAGE>

      IN WITNESS WHEREOF, the parties have executed this Agreement as of the
date first above written.

                                              SLM HOLDINGS, INC.

                                              By:    (ILLEGIBLE)
                                                  ------------------------------
                                              Name:  (ILLEGIBLE)
                                              Title: President

                                              SALES LEAD MANAGEMENT, INC.

                                              By:    (ILLEGIBLE)
                                                  ------------------------------
                                              Name:  (ILLEGIBLE)
                                              Title: President

                                              GUNN ALLEN FINANCIAL CORP.

                                              By: /s/ Richard Nummi
                                                  ------------------------------
                                              Name: Richard Nummi
                                              Title: CCO, EVP, CC

                                       11

<PAGE>

                                    EXHIBIT A

                    CUSTOM REGISTERED REPRESENTATIVE SET-UP

Login Registration and password assignment
Two digital photographs captured and uploaded
Custom digital resume' preparation and upload
On-site introductory tutorial and workshop
Unlimited customer service
100mb storage (approximately 50,000 leads)
Complete security through Verisign 128bit encrypted SSL
100% Redundancy via failover co-location at Globix Inc.

                                       12

<PAGE>

                                    EXHIBIT B

                           SLM MASTER USER AGREEMENT

                                       13

<PAGE>

                                    EXHIBIT C

                             STOCK OPTION AGREEMENT

                                       14

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