Document:

Engagement Agreement

     This Engagement  Agreement (the "Agreement") is entered into,  effective as
of March 26, 2002,, by and between Adam Wasserman, an individual residing in the
State of Florida ("Mr. Wasserman"),  and Colmena Corp., a Delaware publicly held
corporation  with a class of  securities  registered  under Section 12(g) of the
Securities  Exchange Act of 1934, as amended  ("Colmena" and the "Exchange Act,"
respectively,   Colmena  and  all  of  its  subsidiaries,   whether  current  or
subsequently  formed  or  acquired,  sometimes  being  collectively  hereinafter
referred to as the  "Consolidated  Corporation,"  and Colmena and Mr.  Wasserman
being sometimes hereinafter collectively to as the "Parties" or generically as a
"Party".

                                    Preamble:

     WHEREAS, Colmena has directed The Yankee Companies,  LLC, a Florida limited
liability company that serves as Colmena's strategic consultant ("Yankees"),  to
recommend an individual to serve as its chief financial  officer and controller;
and

     WHEREAS,  Yankees has  recommended  Mr.  Wasserman  to  Colmena's  board of
directors based on his knowledge and experience in financial matters,  including
the accounting  services he has been  providing to Colmena  through his company,
CFO On Call; and

     WHEREAS, Colmena's board of directors has determined that he is experienced
and well known in the financial  community and is thoroughly  knowledgeable with
the obligations and restrictions imposed on public companies by the Exchange Act
and the  Securities  Act of 1933,  as  amended  (the  "Securities  Act") and has
requested that he serve as Colmena's chief financial officer and controller; and

     WHEREAS,  Mr.  Wasserman is  agreeable  to serving in this  capacity on the
terms and conditions hereinafter set forth:

     NOW,  THEREFORE,  in consideration  of the mutual  promises,  covenants and
agreements hereby  exchanged,  as well as of the sum of Ten ($10.00) Dollars and
other good and  valuable  consideration,  the receipt  and  adequacy of which is
hereby acknowledged, the Parties, intending to be legally bound, hereby agree as
follows:

                                   Witnesseth:

                                   Article One
                       Term, Renewals, Earlier Termination

1.1      Term.

     Subject to the  provisions  set forth herein,  the term of Mr.  Wasserman's
engagement  hereunder  shall be deemed  to  commence  as of March  26,  2002 and
continue until March 25, 2003, unless extended or earlier  terminated by Colmena
as hereinafter set forth.

1.2      Renewals.

     This  Agreement  shall be renewed  automatically,  after  expiration of the
original  term, on a continuing  annual  basis,  unless the Party wishing not to
renew  this  Agreement  provides  the other  Party  with  written  notice of its
election not to renew ("Termination  Election Notice") on or before the 60th day
prior to termination of the then-current term.

                       Colmena Corp. Engagement Agreement

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1.3      Earlier Termination.

     Colmena  shall  have the right to  terminate  this  Agreement  prior to the
expiration of its Term or of any renewals thereof,  subject to the provisions of
Section 1.4, for the following reasons:

(a)  For Cause:

     (1)  Colmena may terminate Mr. Wasserman's  engagement under this Agreement
          at any time for cause.

     (2)  Such  termination  shall be evidenced by written notice thereof to Mr.
          Wasserman, which notice shall specify the cause for termination.

     (3)  For purposes hereof, the term "cause" shall mean:

         (A)   The  inability  of  Mr.  Wasserman,  through  sickness  or  other
               incapacity,  to discharge his duties under this  Agreement for 30
               or more  consecutive  days or for a total of 60 or more days in a
               period of twelve consecutive months;

         (B)   The  refusal  of  Mr.  Wasserman  to  follow  the  directions  of
               Colmena's board of directors,  unless Mr.  Wasserman  believes in
               good faith that such directions are contrary to law;

         (C)   Dishonesty;  theft;  or  conviction  of a crime  involving  moral
               turpitude;

         (D)   Material default in the performance of his obligations,  services
               or duties  required under this Agreement or materially  breach of
               any  provision  of this  Agreement,  which  default or breach has
               continued for five days after  written  notice of such default or
               breach.

(b)  Discontinuance of Business:

     In  the  event  that  Colmena   discontinues   operating  its  business  or
     experiences a change in control,  this Agreement  shall terminate as of the
     last day of the month on which it ceases  operation or such control changes
     with the same  force  and  effect  as if such  last day of the  month  were
     originally set as the termination date hereof;  provided,  however,  that a
     reorganization  of  Colmena  shall  not  be  deemed  a  termination  of its
     business.

(c)  Death:

     This  Agreement  shall  terminate  immediately  on Mr.  Wasserman's  death;
     however,  all accrued  compensation  at such time shall be promptly paid to
     Mr. Wasserman's estate.

1.4      Final Settlement.

     Upon  termination  of this  Agreement  and payment to Mr.  Wasserman of all
amounts due him hereunder, Mr. Wasserman or his representative shall execute and
deliver to the terminating entity on a form prepared by the terminating  entity,
a receipt for such sums and a release of all  claims,  except such claims as may
have been  submitted  pursuant to the terms of this  Agreement  and which remain
unpaid, and, shall forthwith tender to Colmena all records,  manuals and written
procedures, as may be desired by it for the continued conduct of its business.

                    Colmena Corp. Engagement Agreement Page 2

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                                    Article Two
                               Scope of Engagement

2.1      Retention.

     Colmena hereby hires Mr.  Wasserman and Mr.  Wasserman  hereby accepts such
engagement,  in accordance  with the terms,  provisions  and  conditions of this
Agreement.

2.2      General Description of Duties.

(a)  Mr.  Wasserman  shall  be  engaged  as  the  chief  financial  officer  and
     controller of Colmena and shall perform the duties associated  therewith by
     Colmena's bylaws.

(b)  Without limiting the generality of the foregoing, Mr. Wasserman shall:

     (1)  Be responsible  for  coordinating  all financial  aspects of Colmena's
          operations,  including strategic  financial  planning,  supervision of
          Colmena's  treasurer (if one has been  appointed),  and supervision of
          outside auditors;

         (2)   Keep Colmena's  Audit  Committee of the board of directors  fully
               and timely informed of all matters under its jurisdiction

         (3)   Serve  as   Colmena's   principal   compliance   officer  and  be
               responsible for overseeing  preparation and filing of all reports
               of Colmena's activities required to be filed, either periodically
               or on a special  basis with the United  States  Internal  Revenue
               Service,    the   Securities   and   Exchange   Commission   (the
               "Commission"),   and   with   other   federal,   state  or  local
               governmental agencies; and

         (4)   Perform  such other  duties as are  assigned to him by  Colmena's
               board of  directors,  subject to compliance  with all  applicable
               laws and fiduciary obligations.

(c)  Mr. Wasserman covenants and agrees to perform his duties in good faith and,
     subject to the exceptions  specified in Section 2.4, to devote the required
     amount of his  business  time,  energies  and  abilities  to the proper and
     efficient management and execution of such duties.

2.3      Status.

(a)  Mr. Wasserman shall serve as an independent contractor of Colmena and shall
     have no  authority  to act as an agent  thereof,  or to bind Colmena or its
     subsidiaries  as a principal or agent  thereof,  all such  functions  being
     reserved to its board of directors in compliance  with the  requirements of
     its  constituent  documents,  unless the board of directors shall otherwise
     authorize.

(b)  Mr.  Wasserman  hereby  covenants and agrees that he shall not hold himself
     out as an authorized agent of Colmena unless such authority is specifically
     assigned  to him,  on a case by  case  basis,  by its  board  of  directors
     pursuant to a duly adopted resolution which remains in effect.

(c)  Mr. Wasserman hereby  represents and warrants to Colmena that he is subject
     to no legal, self regulatory  organization (e.g.,  National  Association of
     Securities  Dealers,  Inc.'s  bylaws)  or  regulatory  impediments  to  the
     provision of the services  called for by this  Agreement,  or to receipt of
     the  compensation  called  for  under  this  Agreement  or any  supplements
     thereto;  and, Mr.  Wasserman  hereby  irrevocably  covenants and agrees to
     immediately  bring to the  attention of Colmena any facts  required to make
     the foregoing  representation and warranty continuously accurate throughout
     the term of this Agreement, or any supplements or extensions thereof.

                    Colmena Corp. Engagement Agreement Page 3
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2.4      Non-Exclusivity.

     Mr. Wasserman shall, unless specifically  otherwise authorized by Colmena's
board of  directors,  devote  his  business  time in a way that the  affairs  of
Colmena are satisfied;  provided,  however,  that Colmena hereby recognizes that
Mr.  Wasserman is involved with other business  ventures and hereby  consents to
his  continuation  in such  roles,  provided  that he will  resolve  any  actual
conflicts  of interest  resulting  from such roles in favor of Colmena  whenever
possible and practical.

2.5      Limitations on Services

(a)  The Parties  recognize that certain  responsibilities  and  obligations are
     imposed by federal and state  securities  laws and by the applicable  rules
     and regulations of stock exchanges,  the National Association of Securities
     Dealers,  Inc.,  in-house "due  diligence" or  "compliance"  departments of
     Licensed Securities Firms, etc.; accordingly,  Mr. Wasserman agrees that he
     will not:

     (1)  Release any  financial  or other  material  information  or data about
          Colmena  without the prior  written  consent and approval of Colmena's
          General Counsel;

     (2)  Conduct  any  meetings  with  financial   analysts  without  informing
          Colmena's  General  Counsel and board of  directors  in advance of the
          proposed meeting and the format or agenda of such meeting.

(b)  In any  circumstances  where Mr.  Wasserman is describing the securities of
     Colmena to a third party,  Mr.  Wasserman shall disclose to such person any
     compensation  received  from  Colmena  to the  extent  required  under  any
     applicable  laws,  including,  without  limitation,  Section  17(b)  of the
     Securities Act of 1933, as amended.

(c)  In rendering his services,  Mr.  Wasserman  shall not disclose to any third
     party any  confidential  non-public  information  furnished  by  Colmena or
     American  Internet or  otherwise  obtained  by it with  respect to Colmena,
     except on a need to know basis,  and in such case,  subject to  appropriate
     assurances that such information shall not be used, directly or indirectly,
     in any manner that would violate state or federal  prohibitions  on insider
     trading of Colmena's securities.

(d)  Mr.  Wasserman  shall not take any action which would in any way  adversely
     affect the  reputation,  standing  or  prospects  of Colmena or which would
     cause Colmena to be in violation of applicable laws.

                                  Article Three
                                  Compensation

3.1      Compensation.

     As consideration  for Mr.  Wasserman's  services to Colmena,  Mr. Wasserman
shall be entitled to:

(a)  (1)  Compensation  at the rate of $85.00 per hour of time actually  devoted
          to his duties as Colmena's chief  financial  officer and controller as
          specified in Article 2.2, as well as reimbursement  for all reasonable
          expenses incurred by him in the course of his duties, plus $1,000 each
          month in Colmena's common stock, provided that:

         (a)   He has not been discharged by Colmena for cause;

         (b)   He  fully  complies  with  the  provisions  of  this   Agreement,
               including,    without   limitation,   the   confidentiality   and
               non-competition sections hereof.

                    Colmena Corp. Engagement Agreement Page 4
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     (2) (a)   The  compensation  specified above in subsection (a) (1) shall be
               paid at the end of each  month.  All  compensation  for  services
               shall be deemed fully earned as of the end of each month. Colmena
               agrees that any stock  certificates  which are  delivered  to Mr.
               Wasserman  pursuant to this  agreement  will never be canceled by
               Colmena or at its direction for any reason except by court order.

         (b)   The number of shares of stock issued  pursuant to this  paragraph
               will  be  calculated   based  on  the  shares'   average  closing
               transaction   price,   as  reported  on  such  exchanges  as  the
               securities may be traded on or, if not traded on any exchange, as
               reported on an  over-the-counter  trading medium (such as the OTC
               Bulletin Board), for the month then ending.

         (c)   Stock  certificates  will be issued to Adam  Wasserman  or to his
               designee,  if  he  so  requests  in  writing.  Colmena  will  use
               reasonable  efforts to assure that its  transfer  agent  delivers
               stock  certificates to Mr.  Wasserman within ten (10) days of the
               end of each month in which Mr. Wasserman  performed the requested
               services.

     (3)  Mr. Wasserman hereby represents,  warrants, covenants and acknowledges
          that:

         (A)   The securities being issued as compensation  under this Agreement
               (the "Securities") will be issued without  registration under the
               provisions of Section 5 of the  Securities  Act or the securities
               regulatory  laws and  regulations  of the State of  Florida  (the
               "Florida  Act")  pursuant  to  exemptions  provided  pursuant  to
               Section 4(6) of the Act and comparable  provisions of the Florida
               Act;

         (B)   Mr.  Wasserman  shall be responsible for preparing and filing any
               reports  concerning this transaction with the Commission and with
               Florida  Division  of  Securities,  and  payment of any  required
               filing fees (none being expected);

         (C)   All  of  the  Securities  will  bear  legends  restricting  their
               transfer,   sale,   conveyance  or   hypothecation   unless  such
               Securities are either  registered under the provisions of Section
               5 of the Act and under the  Florida  Act,  or an opinion of legal
               counsel,  in form and substance  satisfactory to legal counsel to
               Colmena is provided to  Colmena's  General  Counsel to the effect
               that such  registration is not required as a result of applicable
               exemptions therefrom;

         (D)   Colmena's  transfer agent shall be instructed not to transfer any
               of the Securities  unless the General Counsel for Colmena advises
               it that such transfer is in compliance with all applicable laws;

         (E)   Mr.  Wasserman is acquiring the  Securities for his own  account,
               for investment purposes only, and not with a view to further sale
               or distribution; and

         (F)   Mr.  Wasserman or his advisors have examined  Colmena's books and
               records and  questioned  its  officers  and  directors as to such
               matters involving Colmena as he deemed appropriate.

                    Colmena Corp. Engagement Agreement Page 5

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     (3)  In the  event  that  Colmena  files  a  registration  or  notification
          statement  with the  Commission  or any  state  securities  regulatory
          authorities  registering  or qualifying any of its securities for sale
          or resale to the public as free trading securities, it will notify Mr.
          Wasserman  of such  intent  at least 15  business  days  prior to such
          filing, and shall, if requested by him, include any shares theretofore
          issued  upon  exercise  of  the  Options  in  such   registration   or
          notification  statement,  provided that Mr. Wasserman  cooperates in a
          timely  manner  with  any  requirements   for  such   registration  or
          qualification  by notification,  including,  without  limitation,  the
          obligation to provide complete and accurate information therefor,  and
          provided further that in conjunction with any such  registration,  Mr.
          Wasserman must comply with any reasonable restrictions on sales of the
          registered   securities   generally  required  by  an  underwriter  of
          securities included in such registration statement.

(b)  In addition to the compensation described above:

     (1)  In the event that Mr.  Wasserman  arranges or provides funding for the
          Consolidated Corporation on terms more beneficial than those reflected
          in  the  Consolidated   Corporation's   current  principal   financing
          agreements,  copies  of which  are  included  among  the  Consolidated
          Corporation's  records available through the SEC's EDGAR web site, Mr.
          Wasserman shall be entitled, at its election, to either:

         (A)      A fee equal to 5% of such savings, on a continuing basis; or

         (B)   If equity  funding  is  provided  through  Mr.  Wasserman  or any
               affiliates  thereof,  a discount of 5% from the bid price for the
               subject equity  securities,  if they are issuable as free trading
               securities,  or, a  discount  of 25% from the bid  price  for the
               subject  equity  securities,  if they are issuable as  restricted
               securities  (as the term  restricted  is used for purposes of SEC
               Rule 144); and

         (C)   If  equity   funding  is  arranged  by  Mr.   Wasserman  and  the
               Colsolidated Corporation is not obligated to pay any other source
               compensation  in  conjunction  therewith,  other  than the normal
               commissions charged by broker dealers in securities in compliance
               with the compensation  guidelines of the NASD, then Mr. Wasserman
               shall  be  entitled  to a bonus  in a sum  equal to 5% of the net
               proceeds of such funding.

     (2)  In  the  event  that  Mr.   Wasserman   generates   business  for  the
          Consolidated Corporation,  then, on any sales resulting therefrom, Mr.
          Wasserman  shall be  entitled to a  commission  equal to 5% of the net
          income  derived  by  the  Consolidated  Corporation  therefrom,  on  a
          continuing basis.

3.2      Benefits

     As an  independent  contractor,  Mr.  Wasserman will not be entitled to any
benefits generally made available to Colmena employees,  unless otherwise agreed
to in writing by Colmena's board of directors.

3.3      Indemnification.

     Colmena will defend,  indemnify  and hold Mr.  Wasserman  harmless from all
liabilities,  suits,  judgments,  fines,  penalties or  disabilities,  including
expenses  associated   directly,   therewith  (e.g.  legal  fees,  court  costs,
investigative  costs,  witness fees, etc.) resulting from any reasonable actions
taken by him in good faith on behalf of  Colmena,  its  affiliates  or for other
persons or entities at the request of the board of directors of Colmena,  to the
fullest extent legally  permitted,  and in conjunction  therewith,  shall assure
that all required  expenditures  are made in a manner making it unnecessary  for
Mr. Wasserman to incur any out of pocket expenses;  provided,  however, that Mr.
Wasserman permits Colmena to select and supervise all personnel involved in such
defense  and that Mr.  Wasserman  waives any  conflicts  of  interest  that such
personnel may have as a result of also representing Colmena,  their stockholders
or other per sonnel and agrees to hold them harmless from any matters  involving
such representation, except such as involve fraud or bad faith.

                   Colmena Corp. Engagement Agreement Page 6

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                                  Article Four
                                Special Covenants

4.1      Confidentiality.

(a)  Mr.  Wasserman  acknowledges  that,  in and as a result  of his  engagement
     hereunder,  he will be  developing  for Colmena,  making use of,  acquiring
     and/or adding to, confidential information of special and unique nature and
     value  relating  to such  matters  as  Colmena's  trade  secrets,  systems,
     procedures,  manuals, confidential reports, personnel resources,  strategic
     and tactical plans, advisors, clients, investors and funders; consequently,
     as material  inducement  to the entry into this  Agreement by Colmena,  Mr.
     Wasserman  hereby covenants and agrees that he shall not, at anytime during
     or following the terms of his engagement hereunder, directly or indirectly,
     personally use,  divulge or disclose,  for any purpose  whatsoever,  any of
     such  confidential  information  which has been obtained by or disclosed to
     him as a result of his engagement by Colmena, or Colmena's affiliates.

(b)  In the event of a breach or  threatened  breach by Mr.  Wasserman of any of
     the  provisions  of this  Section 4.1,  Colmena,  in addition to and not in
     limitation of any other rights,  remedies or damages  available to Colmena,
     whether at law or in equity, shall be entitled to a permanent injunction in
     order to prevent or to restrain any such breach by Mr. Wasserman, or by Mr.
     Wasserman's  partners,  agents,   representatives,   servants,   employers,
     employees,  affiliates  and/or any and all persons  directly or  indirectly
     acting for or with him.

4.2      Special Remedies.

     In view of the irreparable harm and damage which would undoubtedly occur to
Colmena as a result of a breach by Mr.  Wasserman of the covenants or agreements
contained in this Article Four, and in view of the lack of an adequate remedy at
law to protect  Colmena's  interests,  Mr. Wasserman hereby covenants and agrees
that  Colmena  shall have the  following  additional  rights and remedies in the
event of a breach hereof:

(a)  Mr.  Wasserman  hereby  consents to the issuance of a permanent  injunction
     enjoining him from any violations of the covenants set forth in Section 4.1
     hereof; and

(b)  Because it is impossible to ascertain or estimate the entire or exact cost,
     damage  or  injury  which  Colmena  may  sustain  prior  to  the  effective
     enforcement of such  injunction,  Mr. Wasserman hereby covenants and agrees
     to pay  over to  Colmena,  in the  event  he  violates  the  covenants  and
     agreements contained in Section 4.2 hereof, the greater of:

     (i)       Any payment or  compensation  of any kind received by him because
               of such violation before the issuance of such injunction, or

     (ii)      The sum of One Thousand ($1,000.00) Dollars per violation,  which
               sum  shall be  liquidated  damages,  and not a  penalty,  for the
               injuries  suffered by Colmena as a result of such violation,  the
               Parties  hereto  agreeing  that such  liquidated  damages are not
               intended as the  exclusive  remedy  available  to Colmena for any
               breach of the covenants and agreements  contained in this Article
               Four,  prior to the  issuance  of such  injunction,  the  Parties
               recognizing that the only adequate remedy to protect Colmena from
               the injury caused by such breaches would be injunctive relief.

                    Colmena Corp. Engagement Agreement Page 7

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4.3      Cumulative Remedies.

     Mr.  Wasserman  hereby  irrevocably  agrees that the remedies  described in
Section 4.3 hereof shall be in addition to, and not in limitation of, any of the
rights or remedies to which Colmena is or may be entitled to,  whether at law or
in equity, under or pursuant to this Agreement.

4.4      Acknowledgment of Reasonableness.

     Mr. Wasserman  hereby  represents,  warrants and  acknowledges  that he has
carefully read and  considered  the provisions of this Article Four and,  having
done so, agrees that the  restrictions  set forth herein are fair and reasonable
and are reasonably required for the protection of the interests of Colmena,  its
officers, directors and other employees;  consequently, in the event that any of
the  above-described  restrictions  shall be held  unenforceable by any court of
competent jurisdiction,  Mr. Wasserman hereby covenants, agrees and directs such
court to substitute a reasonable judicially  enforceable  limitation in place of
any limitation  deemed  unenforceable  and, Mr.  Wasserman  hereby covenants and
agrees that if so modified,  the covenants  contained in this Article Four shall
be as fully  enforceable  as if they had been set forth  herein  directly by the
Parties.  In determining the nature of this  limitation,  Mr.  Wasserman  hereby
acknowledges,  covenants  and agrees that it is the intent of the Parties that a
court adjudicating a dispute arising hereunder recognize that the Parties desire
that this  covenant  not to compete be imposed and  maintained  to the  greatest
extent possible.

4.5      Unauthorized Acts.

     Mr.  Wasserman  hereby  covenants and agrees that he will not do any act or
incur any  obligation  on behalf of Colmena  or  American  Internet  of any kind
whatsoever,   except  as  authorized  by  its  board  of  directors  or  by  its
stockholders pursuant to duly adopted stockholder action.

4.6      Covenant not to Disparage

     Mr. Wasserman hereby irrevocably  covenants and agrees that during the term
of this  Agreement  and after its  termination,  he will refrain from making any
remarks  that  could  be  construed  by  anyone,  under  any  circumstances,  as
disparaging,  directly  or  indirectly,  specifically,  through  innuendo  or by
inference,  whether  or  not  true,  about  the  Consolidated  Corporation,  its
constituent  members,  or their officers,  directors,  stockholders,  employees,
agent  or  affiliates,  whether  related  to the  business  of the  Consolidated
Corporation, to other business or financial matters or to personal matters.

                                  Article Five
                                  Miscellaneous

5.1      Notices.

(a)  All notices, demands or other communications hereunder shall be in writing,
     and unless otherwise  provided,  shall be deemed to have been duly given on
     the first  business day after  mailing by  registered  or  certified  mail,
     return receipt requested, postage prepaid, addressed as follows:

                                To Mr. Wasserman:

                                 Adam Wasserman,
                  1643 Royal Grove Way, Weston, Florida 33327;
               Telephone (800) 867-0078; Facsimile (954) 384-2900;
                           e-mail adamw@cfooncall.com

                                   To Colmena:

                                  Colmena Corp.
                     2500 North Military Trail, Suite 225-C;
                           Boca Raton, Florida 33431
               Telephone (561) 998-2025, Fax (561) 998-3425; and,
                     e-mail administration@colmenacorp.com;
                      Attention: President; with a copy to

                          Vanessa H. Lindsey, Secretary
                                  Colmena Corp.
                           1985 Southeast 20th Street,
                              Ocala, Florida 34471
               Telephone (352) 694-6661, Fax (352) 694-1325; and,
                     e-mail, operations@yankeecompanies.com

     or such other address or to such other person as any Party shall  designate
     to the other for such purpose in the manner hereinafter set forth.

                    Colmena Corp. Engagement Agreement Page 8
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(b)  (1)  The Parties acknowledge that Yankees serves as a strategic  consultant
          to  Colmena  and  has  acted  as  scrivener  for the  Parties  in this
          transaction  but that  Yankees  is  neither  a law firm nor an  agency
          subject to any professional regulation or oversight.

     (2)  Because of the inherent  conflict of interests  involved,  Yankees has
          advised all of the Parties to retain  independent legal and accounting
          counsel to review this  Agreement  and its exhibits  and  incorporated
          materials on their behalf.

(c)  The  decision  by any Party not to use the  services  of legal  counsel  in
     conjunction with this  transaction  shall be solely at their own risk, each
     Party  acknowledging  that  applicable  rules of the  Florida  Bar  prevent
     Colmena's   general  counsel,   who  has  reviewed,   approved  and  caused
     modifications  on behalf of Colmena,  from  representing  anyone other than
     Colmena in this transaction.

5.2      Amendment.

(a)  No modification,  waiver, amendment,  discharge or change of this Agreement
     shall be valid  unless  the same is in  writing  and  signed  by the  Party
     against which the  enforcement  of said  modification,  waiver,  amendment,
     discharge or change is sought.

(b)  This  Agreement  may not be  modified  without the consent of a majority in
     interest of Colmena's stockholders.

5.3      Merger.

(a)  This instrument  contains all of the  understandings  and agreements of the
     Parties with respect to the subject matter discussed herein.

(b)  All prior  agreements  whether written or oral, are merged herein and shall
     be of no force or effect.

5.4      Survival.

     The  several  representations,  warranties  and  covenants  of the  Parties
contained  herein  shall  survive the  execution  hereof and shall be  effective
regardless of any investigation  that may have been made or may be made by or on
behalf of any Party.

5.5      Severability.

     If any provision or any portion of any provision of this Agreement,  or the
application  of  such  provision  or  any  portion  thereof  to  any  person  or
circumstance  shall be held invalid or unenforceable,  the remaining portions of
such provision and the remaining provisions of this Agreement or the application
of  such  provision  or  portion  of  such  provision  as  is  held  invalid  or
unenforceable to persons or  circumstances  other than those to which it is held
invalid or unenforceable, shall not be effected thereby.

5.6      Governing Law and Venue.

     This Agreement  shall be construed in accordance with the laws of the State
of  Florida  but any  proceeding  arising  between  the  Parties  in any  matter
pertaining or related to this Agreement  shall, to the extent  permitted by law,
be held in Broward County, Florida.

5.7      Dispute Resolution.

(a)  In any action  between  the  Parties  to  enforce  any of the terms of this
     Agreement or any other matter arising from this  Agreement,  the prevailing
     Party shall be entitled to recover its costs and

                   Colmena Corp. Engagement Agreement Page 9

<PAGE>

         expenses, including reasonable attorneys' fees up to and including all
         negotiations, trials and appeals, whether or not litigation is
         initiated.

(b)      In the event of any dispute arising under this Agreement, or the
         negotiation thereof or inducements to enter into the Agreement, the
         dispute shall, at the request of any Party, be exclusively resolved
         through the following procedures:

         (1)  (A)   First,  the issue shall be submitted  to mediation  before a
                    mediation service in Broward County, Florida, to be selected
                    by lot from four alternatives to be provided, two by Colmena
                    and two by Mr. Wasserman.

              (B)   The mediation efforts shall be concluded within ten business
                    days after their in itiation unless the Parties  unanimously
                    agree to an extended mediation period.

         (2)   In the event that  mediation does not lead to a resolution of the
               dispute  then at the  request of any  Party,  the  Parties  shall
               submit the dispute to binding  arbitration  before an arbitration
               service located in Broward County, Florida to be selected by lot,
               from four alternatives to be provided,  two by Colmena and two by
               Mr. Wasserman.

         (3)  (A)   Expenses  of  mediation  shall  be  borne  by  Colmena,   if
                    successful.

              (B)   Expenses of mediation,  if  unsuccessful  and of arbitration
                    shall be borne by the  Party  or  Parties  against  whom the
                    arbitration decision is rendered.

              (C)   If the  terms  of the  arbitral  award  do not  establish  a
                    prevailing   Party,   then  the  expenses  of   unsuccessful
                    mediation  and  arbitration  shall be borne  equally  by the
                    Parties.

5.8      Benefit of Agreement.

(a)  This  Agreement  may not be  assigned  by Mr.  Wasserman  without the prior
     written consent of Colmena.

(b)  Subject to the  restrictions on  transferability  and assignment  contained
     herein,  the terms and provisions of this  Agreement  shall be binding upon
     and  inure  to the  benefit  of the  Parties,  their  successors,  assigns,
     personal representative, estate, heirs and legatees.

5.9      Captions.

     The captions in this Agreement are for  convenience  and reference only and
in no way define,  describe,  extend or limit the scope of this Agreement or the
intent of any provisions hereof.

                   Colmena Corp. Engagement Agreement Page 10

<PAGE>

5.10     Number and Gender.

     All pronouns  and any  variations  thereof  shall be deemed to refer to the
masculine, feminine, neuter, singular or plural, as the identity of the Party or
Parties, or their personal representatives, successors and assigns may require.

5.11     Further Assurances.

     The Parties hereby agree to do,  execute,  acknowledge and deliver or cause
to be done,  executed or  acknowledged or delivered and to perform all such acts
and deliver  all such  deeds,  assignments,  transfers,  conveyances,  powers of
attorney, assurances, recipes, records and other documents, as may, from time to
time, be required herein to effect the intent and purposes of this Agreement.

5.12     Status.

     Nothing  in this  Agreement  shall  be  construed  or  shall  constitute  a
partnership,  joint venture, agency, or lessor-lessee relationship;  rather, the
relationship established hereby is that of independent contractor to Colmena, as
the term  "independent  contractor"  is defined by the  United  States  Internal
Revenue Service.  In conjunction  therewith,  Mr. Wasserman shall be responsible
for his own tax reporting and payment  obligations,  and shall have the sole and
exclusive responsibility and liability for making all reports and contributions,
withholdings,  payments and taxes to be collected,  withheld, made and paid with
respect to the  services  to be  performed  hereunder,  whether  pursuant to any
social  security,  unemployment  insurance,  worker's  compensation law or other
federal,  state or local  law now in force in effect or  hereafter  enacted.  In
amplification of the foregoing, except as otherwise may be agreed by the Parties
in writing,  Mr.  Wasserman  shall be  responsible  for providing his own office
facilities and supporting personnel.

5.13     Counterparts.

(a)  This Agreement may be executed in any number of counterparts.

(b)  Execution by exchange of  facsimile  transmission  shall be deemed  legally
     sufficient to bind the signatory; however, the Parties shall, for aesthetic
     purposes,  prepare a fully  executed  original  version of this  Agreement,
     which shall be the document filed with the Commission.

5.14     License.

(a)  This Agreement is the property of Yankees and the use hereof by the Parties
     is authorized hereby solely for purposes of this transaction.

(b)  The use of this form of  agreement  or of any  derivation  thereof  without
     Yankees' prior written permission is prohibited.

                   Colmena Corp. Engagement Agreement Page 11

<PAGE>

(c)  This Agreement shall not be more strictly  interpreted against any Party as
     a result of its authorship.

                                      * * *

     In Witness Whereof, the Parties have executed this Agreement,  effective as
of the date set * forth above.

Signed, Sealed & Delivered
         In Our Presence
                                                         Mr. Wasserman
--------------------------
                                                    /s/ Adam Wasserman /s/
--------------------------                           ---------------------------
                                                        Adam Wasserman

                                                           Colmena Corp.,
                                                     a Delaware corporation
--------------------------

__________________________                      By:   /s/ Edward C. Dmytryk /s/
                                                          Edward C. Dmytryk
                                                          President & Director

(CORPORATE SEAL)
                                            Attest:  /s/ Vanessa H. Lindsey /s/
                                                         Vanessa H. Lindsey
                                                         Secretary

                   Colmena Corp. Engagement Agreement Page 12

<PAGE>SETTLEMENT AND RELEASE AGREEMENT

     THIS SETTLEMENT AND RELEASE AGREEMENT (the "Agreement") is made and entered
into as of May 1, 2002, by and between Deutsche Financial Services  Corporation,
a Nevada  corporation  ("DFS"),  and  Colmena  Corp.,  a  Delaware  corporation,
("Colmena") (collectively the "Parties").

                                    Recitals:

     WHEREAS,

A.   DFS and Business Technology  Systems,  Inc. (" Borrower") entered into that
     certain Agreement For Wholesale Financing (Security  Agreement-Arbitration)
     dated on or about February 26, 1997, as amended, whereby Borrower agreed to
     pay DFS any and all indebtedness owing by virtue of advances made by DFS on
     behalf of Borrower  for its  acquisition  of inventory  (collectively,  the
     "Financing Agreement").

B.   Borrower's  obligations  and liabilities to DFS were guaranteed by Colmena,
     Ila Sethi,  Madhu  Sethi,  and Richard C. Peplin,  Jr.  pursuant to certain
     guaranty  agreements  dated  August 5,  1997 by Ila Sethi and Madhu  Sethi,
     dated May 1, 1998 by Richard C. Peplin, Jr. (collectively,  the "Individual
     Guarantors"),  and dated May 1, 1998 by Colmena.  The Colmena guaranty will
     be referred to as the "Guaranty".

C.   On or about  August  26,  1998,  following  a default  under the  Financing
     Agreement and Guaranty, DFS, Colmena and the Individual Guarantors executed
     an Extension  Agreement  ("Extension  Agreement")  and Consent  Arbitration
     Award ("Award").

D.   Following a default under the Extension  Agreement,  DFS sought issuance of
     the Award by an  arbitrator  against  Borrower,  Colmena,  and  Richard  C.
     Peplin,  Jr.  The  arbitrator  issued  an Award in favor of DFS on or about
     October  8,  1999,  in the  aggregate  principal  sum of  $348,858.39  plus
     interest  charges at the per annum  rate of Prime plus 6.5% from  August 1,
     1998 (collectively,  the "Debt").  Colmena has disputed the validity of the
     Award.

E.   As of  the  date  hereof,  Borrower's  obligations  t DFS  pursuant  to the
     Financing Agreement and Award remain in default, and Borrower has failed to
     cure such default.

F.   In order to avoid the costs and  uncertainties  of continued  litigation in
     this matter, the Parties deem it in their best interests to enter into this
     Agreement.

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

1.   MUTUAL RELEASES.

     Subject to the timely performance of their obligations under this Agreement
     and excluding the obligations  created by this  Agreement,  the Parties and
     each of  their  predecessors,  successors,  assigns,  officers,  directors,
     employees, agents,  representatives,  subsidiaries,  divisions,  attorneys,
     affiliates  and all persons  acting by,  through,  under or in concert with
     them, or any of them, hereby release  and  forever discharge each other and

                                        1

<PAGE>

     each of each other's  predecessors,  successors,  assigns, past and present
     officers,  directors,   employees,  agents,   representatives,   attorneys,
     subsidiaries,  divisions,  affiliates and all persons  acting by,  through,
     under or in concert with them, from any and all actions,  causes of action,
     suits, debts, liens, contracts, rights, agreements,  obligations, promises,
     liabilities,  claims, demands, damages,  controversies,  losses, costs, and
     expenses  of  any  nature  whatsoever,   known  or  unknown,  suspected  or
     unsuspected, fixed or contingent, which they now have, own or hold or claim
     to have, own or hold or at anytime  heretofore had, owned or held, or claim
     to have,  owned,  or held, or may hereafter  have,  own or hold or claim to
     have, own or hold, arising out of the conduct or matters occurring prior to
     the date hereof  relating to DFS'  extension  of credit to  Borrower.  DFS'
     release of Colmena  expressly  excludes Richard C. Peplin,  Jr., one of the
     Individual Guarantors.  By executing this release, Colmena in no way waives
     its rights to seek indemnification and/or contribution from Borrower or any
     of the Individual Guarantors.

2.    Colmena Obligations.

     A.   Colmena   will  pay  DFS  the  amount  of  Twenty   Thousand   Dollars
          ($20,000.00)  ("Initial  Payment  Amount") to be received by DFS on or
          before 5pm C.S.T.  on May 15,  2002.  Payment will be in the form of a
          company check.

     B    Colmena  will  additionally  pay to DFS  the  sum of  $80,000.00  plus
          interest  at the per annum  rate of U.S.  Prime  from May 1, 2002 (the
          "Note Amount").  Colmena shall remit the sum of $2,500.00 on or before
          the 15th day of each  month for a period of  thirty-two  (32)  months,
          beginning June 15, 2002. In addition to the $2,500.00  monthly payment
          called for herein, should the quarterly operating cash flow of Colmena
          as presented  in the  financial  statements  filed by Colmena with the
          Securities and Exchange  Commission ("SEC") exceed $7,500.00,  Colmena
          shall remit to DFS an additional  principal payment in an amount equal
          to 10% of the operating  cash flow in excess of $7,500.00  ("Cash Flow
          Payment"),  which Cash Flow Payments shall be applied against the Note
          Amount as provided herein.  The Cash Flow Payment shall be paid to DFS
          on or before the 60th day following  each  calendar  quarter until the
          Note  Amount is paid in full.  Interest  on the Note  Amount  shall be
          calculated by DFS for each month using the U.S.  Prime rate  published
          by  JPMorganChase  on the last  business  day of that month.  Interest
          charges  will be paid by the  15th  day of  each  month  for  interest
          accrued for the prior month in  addition  to the  payments  called for
          herein.  All  payments  called for herein shall be made by Colmena for
          receipt  by DFS at its  lockbox  located  at 2053  Collections  Center
          Drive,  Chicago,  Illinois 60693. The Debt, including interest charges
          accrued  through the date of the last billing  cycle,  will be paid in
          full no later  than  January  15,  2005.  All  payments  will be first
          applied to accrued interest and then to principal.

     (c)  Within  ten (10)  business  days  following  the  effectiveness  of an
          increase in Colmena's capitalization by its shareholders, whose Annual
          Meeting is currently scheduled for May 10, 2002, Colmena will issue to
          DFS  2,500,000  shares of  restricted  common  stock of  Colmena  (the
          "Shares") and provide a stock  certificate  therefor.  Colmena  hereby
          grants transferable  piggyback registration rights with respect to the
          Shares, as provided more fully below in Paragraph 3.

                                        2

<PAGE>

3.   Registration Of Shares.

     Upon the filing of a  Registration  Statement by Colmena with the SEC under
the Securities Act of 1933 (the "Securities  Act") whereby Colmena shall seek to
register any shares of its common stock (the "Registration Statement"),  Colmena
shall  include the Shares in such  filing and use its best  efforts to cause the
Registration Statement to become and continue to remain effective.

         a.    The  Registration  Statement  shall envision the  registration of
               Shares for resale by DFS, provided,  however, that in conjunction
               with any such  registration,  DFS must comply with any reasonable
               restrictions  on sales  of the  registered  securities  generally
               required  by  an  underwriter  of  securities  included  in  such
               Registration   Statement,   provided   further   that   any  such
               restrictions  apply pro rata to all other shares included in such
               Registration Statement.

         b.    Colmena  will  utilize  its  best  efforts  to keep  current  and
               supplement as needed any  information or filings  necessary for a
               one (1) year period subsequent to the execution of this Agreement
               in order to make it  possible  for DFS to sell its Shares  during
               this time period.

         c.    Colmena will furnish  copies of any  prospectus it maintains that
               DFS may request.

         d.    Colmena expressly  covenants to pay any and all expenses incurred
               as a result of the  preparation  and  filing of any  Registration
               Statements,   but  not  any  selling  expenses,   legal  fees  or
               commissions which DFS may incur.

         e.    Colmena  covenants  to  immediately  notif DFS at any time when a
               prospectus  relating  to  the  resale  of  the  Shares  by DFS is
               required  to  be  delivered  under  the  Securities  Act  or  the
               happening  of any  event as a  result  of  which  the  prospectus
               included  in such  registration  statement,  as  then in  effect,
               includes an untrue statement of a material fact or omits to state
               a material  fact  required to be stated  therein or  necessary to
               make the  statements  therein not  misleading in the light of the
               circumstances then existing.

         f.    Colmena will provide any  information  o legal opinion of counsel
               as may be reasonably  requested by any underwriter or broker of a
               DFS sale of Shares.

4.       Representations and Warranties

(a)   Colmena represents and warrants to DFS as follows:

      (i)      Colmena is a corporation, duly incorporated, validly existing and
               in good  standing  under the laws of the State of Delaware,  with
               the  requisite  corporate  power and authority to own and use its
               properties and assets and to transact the business in which it is
               engaged  and  presently  proposes to engage.

      (ii)     All  corporate  action  on the  part of  Colmena,  its  officers,
               directors and  stockholders  necessary  for  the   authorization,

                                        3

<PAGE>

               execution and delivery of this  Agreement and the  performance of
               all Colmena  obligations  hereunder and thereunder has been taken
               or will be taken as agreed herein. This Agreement constitutes the
               valid and  legally  binding  obligation  of  Colmena  enforceable
               against  Colmena in accordance  with its terms.

      (iii)    All of the Shares when delivered shall have been duly authorized,
               validly issued,  fully paid and  non-assessable.

      (iv)     The Shares will free and clear of all liens or encumbrances.

      (v)      No  consent  of any  other  party  including  without  limitation
               shareholders   or   creditors   of   Colmena   and  no   consent,
               authorization,  approval  or other  action  and no  notice  to or
               filing with any governmental  authority or regulatory body except
               as  required  hereunder  is  required  either for the  execution,
               delivery or performance  of this Agreement by Colmena,  except as
               expressly stated herein.

(b)   DFS represents  and warrants to Colmena as follows:

      (i)      DFS is a corporation, duly incorporated,  validly existing and in
               good  standing  under the laws of the State of  Nevada,  with the
               requisite  corporate  power  and  authority  to own  and  use its
               properties and assets and to transact the business in which it is
               engaged and presently proposes to engage.

      (ii)     DFS confirms  that an  investment  in the Shares  involves a high
               degree of risk,  and it is able (i) to bear the economic  risk of
               this investment, (ii) to hold the Shares for an indefinite period
               of time,  and (iii) to afford a complete loss of its  investment.

      (iii)    DFS hereby  represents  that DFS,  by reason of DFS'  business or
               financial  experience,  has the  capacity  to  protect  DFS'  own
               interests in connection  with the  transactions  contemplated  by
               this Agreement.

      (iv)     DFS hereby  acknowledges  that in connection with the acquisition
               of the  Shares  DFS  has  been  furnished  by  Colmena  with  all
               information regarding Colmena which DFS or its representative has
               requested, has been afforded the opportunity to ask questions of,
               and to receive answers from,  duly  authorized  officers or other
               representatives of Colmena concerning the terms and conditions of
               the  Shares  and the  affairs of  Colmena  and has  received  any
               additional  information which such DFS or its  representative has
               requested.

      (v)      DFS has relied solely upon its own independent  investigation and
               Colmena's   representations  in  this  Agreement  in  making  the
               decision to acquire the Shares. To the extent deemed necessary or
               advisable  by it, DFS has  retained,  at the sole expense of DFS,
               and relied upon,  appropriate  professional  advice regarding the
               investment,   tax  and  legal  merits  and  consequences  of  the
               acquisition of the Shares.

      (vi)     DFS hereby acknowledges that the offer and sale of the Shares has
               not been reviewed by the SEC or any state  regulatory  authority,
               since the Offering is intended to be exempt from the registration
               requirements  of Section 5 of the  Securities  Act. DFS shall not
               sell  or  otherwise  transfer  the  Shares  unless  a  subsequent
               disposition is registered  under the Securities Act in accordance
               with this  Agreement or is exempt from such  registration.

      (vii)    DFS understands  that the Shares have not been  registered  under
               the  Securities  Act by reason of a claimed  exemption  under the
               provisions of the  Securities Act which  depends,  in part,  upon
               DFS'  investment  intention.  In  this  connection,   DFS  hereby
               represents  that it is  acquiring  the Shares for its own account
               for  investment  and  not  with  a  view  toward  the  resale  or
               distribution  to others or for resale,  except in accordance with
               applicable  securities  laws.

      (viii)   DFS understands  that unless and until the Shares are registered,
               the Shares are subject to significant limitations on resale under

                                       4
<PAGE>

               applicable  securities  laws. DFS understands  that reliance upon
               Rule 144  under  the  Securities  Act for  resale  of the  Shares
               requires, among other conditions, a one-year holding period prior
               to the resale  (such resale after such  one-year  holding  period
               being  further  subject to sales  volume  limitations).

      (ix)     DFS  consents  to  the  placement  of a  legend,  or  substantial
               equivalent  thereof,  set forth below on any certificate or other
               document evidencing the Shares, until such time as a Registration
               Statement registering the Shares becomes effective.

                    THE SHARES  REPRESENTED  BY THIS  CERTIFICATE  HAVE NOT BEEN
                    REGISTERED  UNDER THE UNITED STATES  SECURITIES ACT OF 1933,
                    AS AMENDED (THE  "SECURITIES  ACT"), OR ANY APPLICABLE STATE
                    SECURITIES  LAWS,  AND MAY NOT BE SOLD,  OFFERED  FOR  SALE,
                    PLEDGED OR  HYPOTHECATED  OR  OTHERWISE  TRANSFERRED  IN THE
                    ABSENCE OF A  REGISTRATION  STATEMENT IN EFFECT WITH RESPECT
                    TO THE  SECURITIES  UNDER THE SECURITIES ACT OR AN EXEMPTION
                    FROM  THE  SECURITIES  ACT.  ANY SUCH  TRANSFER  MAY ALSO BE
                    SUBJECT TO COMPLIANCE WITH APPLICABLE  STATE SECURITIES LAWS
                    AND THE LAWS OF OTHER APPLICABLE JURISDICTIONS.

5.       Governing Effect.

     To the extent that the terms and  provisions  of the  Financing  Agreement,
Guaranty,  or any other agreement  between DFS and Colmena shall be inconsistent
with the provisions of this  Agreement,  the provisions of this Agreement  shall
govern.

6.         Events of Default.

     The  occurrence  of any one or more of the  following  shall  constitute an
Event of Default under this Agreement: (a) the failure of either Party to comply
with the terms, covenants,  agreements and conditions of this Agreement,  except
as expressly  modified or waived herein;  (b) if any  representation or warranty
made herein shall be incorrect in any material respect.

7.         Survival.

     This Agreement  shall be binding upon and shall inure to the benefit of the
Parties hereto and there respective  successors and assigns.  Each and every one
of the  obligations  and  undertakings of the Parties herein shall be continuing
obligations and  undertakings and shall not cease and terminate until all of the
obligations  and  undertakings  set forth  herein  shall have been  fully  paid,
performed and discharged as specified herein.

8.         Consultation;

     Consideration.  The Parties hereby  acknowledge that they have each had the
benefit of  consultation  with their  respective  legal counsel  concerning this
Agreement.  The parties  further agree that the  consideration  each of them has
given  for this  Agreement  is  reasonably  equivalent  in value  and  therefore
constitutes adequate consideration.

9.       Attorney Fees.

     In the event that this Agreement or any provision  hereof shall be enforced
by an attorney,  whether in-house or retained by a party hereto, whether by suit
or otherwise,  the  reasonable fees and costs of such attorney shall be  paid by

                                       5
<PAGE>

the party who  breaches or defaults  hereunder,  including  reasonable  fees and
costs incurred upon appeal or in bankruptcy court.

10.      Assignment.

     Colmena  may not assign  its  rights or  delegate  the  performance  of its
duties,  obligations  and  undertakings  hereunder  without the express  written
consent of DFS, which consent shall not be unreasonably withheld.

11.      Notices.

     All  notices  shall  be in  writing  and  shall  be  deemed  to  have  been
sufficiently  given or served  when  presented  personally,  sent by  facsimile,
Federal  Express,  or deposited  in the United  States mail,  by  registered  or
certified  mail,  to the address of the Parties and their  counsel  below.  Such
addresses  may be changed by notice to the other  party given in the same manner
as above  provided.  Any notice given  hereunder shall be deemed given as of the
date delivered.

         Deutsche Financial Services Corporation
         Attention: Christopher J. Wohlert
         625 Maryville Centre Drive, 3rd Floor
         St. Louis, MO 63141
         Facsimile: 314-317-1909

         With a copy to:
         Deutsche Financial Services Corporation
         655 Maryville Centre Drive
         Saint Louis, MO 63141
         Attention:  General Counsel
         Facsimile: 314-523-3190

         If to Colmena:
         Colmena Corp.
         Attention: General Counsel or Chief Administrative Officer
         5185 Southeast 20th Street
         Ocala, FL 34471 Facsimile: 352-694-1325

12.      Severability.

     If any  term or  provision  of this  Agreement  shall,  to any  extent,  be
determined  by an arbitrator  or a court of competent  jurisdiction  to be void,
voidable  or  unenforceable,  such  void,  voidable  or  unenforceable  term  or
provision shall not affect any other term or provision of this Agreement.

13.      Captions.

     The  section  headings  contained  in this  Agreement  are for  purposes of
reference only and shall not limit,  expand or otherwise affect the construction
of any provisions hereof.

14.      Governing Law.

     This  Agreement  and all matters  relating  hereto  shall be  governed  by,
construed and interpreted in accordance with the laws of the State of Missouri.

15.      Counterparts.

     This Agreement may be executed in any number of  counterparts,  each or any
of which may be  facsimile  signatures,  and each of which when so executed  and
delivered shall be deemed an original, but all such counterparts taken  together

                                       6
<PAGE>

shall constitute only one instrument.

16.      Entire Agreement.

     This Agreement  constitutes the entire  understanding and agreement between
the Parties  hereto and  supersedes  all prior  agreements,  representations  or
understandings  between  them  relating to the Debt.  All  preceding  agreements
between the Parties  relating to such Debt,  whether written or oral, are hereby
merged into this Agreement.

17.      Further Action.

     The parties hereby agree to execute and deliver such  additional  documents
and to take further  action as may become  necessary or desirable to fully carry
out the provisions and intent of this Agreement.

18.      Recitals.

     The above  recitals are true and correct in all  respects and  incorporated
herein by reference.

     THIS  AGREEMENT  has been  executed to be  effective as of the day and year
first above written.

Deutsche Financial Services Corporation

     By:/s/ R. C. Goldman /s/

     Print name: Richard C. Goldman

     Its: Executive Vice President

Colmena Corp.

      By: /s/ Edward C. Dmytryk /s/

      Edward C. Dmytryk

      Its: President & Chief Executive Officer

                                       7
<PAGE>

                                 ACKNOWLEDGMENT

STATE OF FLORIDA       )
                       )  ss:
COUNTY OF Palm Beach   )

     On the 10th day of May, 2002,  before me personally came, , who being by me
duly sworn, did depose and say that he is the Chief Executive Officer of Colmena
Corp., known to me to be the officer who executed the within Agreement on behalf
of said  corporation,  and  acknowledged to me that he executed the same for the
purposes therein stated.

/s/ Charles J. Scimeca /s/
------------------------------------
Notary Public - State of Florida

My commission expires: 08/26/04

                                 ACKNOWLEDGMENT

STATE OF MISSOURI      )
                       )  ss:
COUNTY OF St. Louis    )

     On the 7th day of May, 2002, before me personally came, Richard C. Goldman,
who being by me duly sworn,  did depose and say that  s/he is the Executive Vice
President  of Deutsche  Financial  Services  Corporation,  known to me to be the
officer who executed the within  Agreement  on behalf of said  corporation,  and
acknowledged to me that they executed the same for the purposes therein stated.

/s/ Esther F. Stanley /s/
-------------------------
Notary Public

My commission expires: May 11, 2004

                                       8
<PAGE>

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