Document:

[GRAPHIC OMITTED][GRAPHIC OMITTED]
          2801 SOUTH FAIR LANE o SUITE 101 o TEMPE, ARIZONA 85282-3162
       VOICE: 602.426.7200 o TOLL FREE: 866.281.8624 o FAX: 602.426.7201
                              www.surfnetmedia.com

August 25, 2004

Pamplona Capital Inc.
8704 Standish Road
Alexandria, VA  22308
Attention:  Peyton Jackson

Dear Mr. Jackson:

This confirms the basis upon which SurfNet Media Group, Inc. has engaged you, on
a nonexclusive basis, to provide investor and public relations services
commencing on today's date (the "Services"). You will determine the method,
details and means of performing the Services.

FEES AND EXPENSES

SurfNet will pay you for the Services a fee of $1,000 per month payable monthly
in advance on the first day of each month. In addition, SurfNet will issue a
warrant entitling you to acquire 207,000 shares of SurfNet's common stock in
accordance with the terms of the Warrant Agreement attached hereto as Exhibit A.

In addition to any fees payable to you hereunder, SurfNet will from time to
time, upon request, reimburse you for reasonable travel and other out-of-pocket
expenses incurred in connection with this Agreement. Any fees and/or
disbursements individually or in the aggregate in excess of one hundred dollars
($100.00) per month must be approved in advance by the written consent of a duly
authorized SurfNet officer.

INDEPENDENT CONTRACTOR STATUS

You are an independent contractor of SurfNet. You are not an employee of SurfNet
and are not entitled to paid vacation days, sick days, holidays or any other
benefits provided to SurfNet employees. SurfNet will not withhold or accrue
income, social security, statutory insurance or other taxes or amounts for your
benefit or on your behalf.

<PAGE>

Peyton Jackson
August 25, 2004
Page 2

SCOPE OF RESPONSIBILITY

You do have authority to create any contract or obligation, express or implied,
on behalf of, in the name of, or binding upon SurfNet, or otherwise represent
that SurfNet is in any way responsible for your acts or omissions.

You are not liable to SurfNet or to any other person claiming through SurfNet
for any claim, loss, damage, liability, cost or expense suffered by SurfNet or
any such other person arising out of or related to the Services except for a
claim, loss or expense that arises primarily out of or is based primarily upon
your action or failure to act, other than an action or failure to act undertaken
at the request or with the consent of SurfNet, found in a final judicial
determination (or a settlement tantamount thereto) to constitute bad faith,
willful misconduct or gross negligence on your part.

CONFIDENTIALITY

SurfNet will reveal to you certain proprietary information which might include,
without limitation, information pertaining to proprietary software applications,
acquisition targets, business operations and integration strategies, capital
structure, financing sources, and sales and marketing strategies, from which
SurfNet might derive economic value, actual or potential, from such information
not being generally known to, and not being readily ascertainable by proper
means by, other persons who can obtain economic value from its disclosure or
use, and which is the subject of efforts that are reasonable under the
circumstances to maintain its secrecy. This proprietary information is
hereinafter referred to collectively as the "Protected Information." As a
condition to SurfNet sharing with you, whether in writing or orally, any
Protected Information, you hereby acknowledge and agree with SurfNet as follows:

(a)    The Protected Information, whether now or hereafter furnished to you in
       whole or in part, is confidential.

(b)    SurfNet's business and prospects could be damaged if its Protected
       Information is disclosed to third parties without SurfNet's consent.

(c)    You will keep confidential and refrain from disclosing or divulging to
       any person SurfNet's Protected Information without SurfNet's prior
       written consent (other than disclosures to your agents, representatives
       or employees who will be bound by the terms of this Agreement and advised
       that SurfNet's Protected Information must be treated as confidential).

(d)    You will not use SurfNet's Protected Information (nor permit the use
       thereof) in a manner or for a purpose detrimental to SurfNet's business.

<PAGE>

Peyton Jackson
August 25, 2004
Page 3

Your obligation of confidentiality with respect to Protected Information which
constitutes trade secrets under the Uniform Trade Secrets Act (or other similar
applicable law) will run for as long as such information remains a trade secret.
Your obligation of confidentiality with respect to Protected Information that is
not covered under the Uniform Trade Secrets Act (or other similar applicable
law), will run for two (2) years from the date we terminate our relationship.

Wrongful disclosure or use of Protected Information in contravention of the
provisions of this Agreement will give rise to irreparable injuries not
adequately compensable in damages. In the event that preliminary injunctive
relief to maintain the status quo is required, such relief may be sought by
SurfNet from any court of competent jurisdiction, and you agree to be bound by
any and all orders rendered by such court.

GOVERNING LAW; JURISDICTION

This Agreement will be deemed to have been executed in the State of Arizona and
will be governed and construed as to both substantive and procedural matters in
accordance with the laws of the State of Arizona, but excepting any State of
Arizona rule which would result in the application of the law of a jurisdiction
other than the State of Arizona. Any dispute arising from this Agreement must be
filed in the county in which the principal office of SurfNet is located.

MISCELLANEOUS

Nothing in this Agreement is intended to obligate or commit you or any of your
affiliates to provide any services other than as set out above. This Agreement
may be executed in two or more counterparts, all of which together will be
considered a single instrument. This Agreement, together with the Warrant
Agreement, constitutes the entire agreement between the parties, and supersedes
all prior agreements and understandings (both written and oral) of the parties
hereto with respect to the subject matter hereof, and cannot be amended or
otherwise modified except in writing executed by the parties hereto. The
provisions hereof will inure to the benefit of and be binding upon the
successors and assigns of SurfNet. You may not assign your obligations or rights
pursuant to this Agreement without the prior written consent of SurfNet. No
failure or delay by SurfNet in exercising any right, power or privilege
hereunder will operate as a waiver thereof nor will any single or partial
exercise thereof preclude any other or further exercise thereof or the exercise
of any right, power or privilege.

You have been advised that the party who drafted this Agreement on behalf of
SurfNet is a licensed attorney, that he is representing SurfNet's interests only
and that you have been urged to retain legal counsel to advise you.

<PAGE>

Peyton Jackson
August 25, 2004
Page 4

If you are in agreement with the foregoing, please sign and return the attached
copy of this Agreement, whereupon this Agreement will become effective upon
approval by SurfNet's Board of Directors. This engagement is terminable
immediately upon written notice by either party at any time after October 31,
2004.

Very truly yours,

SURFNET MEDIA GROUP, INC.

         /s/ Robert D. Arkin
By:_________________________
      Robert D. Arkin, Chairman

Accepted and agreed:

PAMPLONA CAPITAL INC.

         /s/ Peyton Jackson
By: ____________________________
     Peyton Jackson
     Title: ______________________

<PAGE>EXHIBIT 4.1

THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED
(THE "ACT"), OR ANY STATE SECURITIES OR BLUE SKY LAWS AND MAY NOT BE OFFERED,
SOLD, TRANSFERRED, HYPOTHECATED OR OTHERWISE ASSIGNED EXCEPT AS PROVIDED HEREIN
AND (1) PURSUANT TO A REGISTRATION STATEMENT WITH RESPECT TO SUCH SECURITIES
WHICH IS EFFECTIVE UNDER THE ACT OR (2) PURSUANT TO AN AVAILABLE EXEMPTION FROM
REGISTRATION UNDER THE ACT AND UNDER APPLICABLE STATE SECURITIES AND BLUE SKY
LAWS RELATING TO THE DISPOSITION OF SECURITIES, PROVIDED THAT AN OPINION OF
COUNSEL TO SUCH EFFECT IS PROVIDED TO THE COMPANY IN CONNECTION THEREWITH.

                                 PROMISSORY NOTE

$_______________                                               October ___, 2004

         FOR VALUE RECEIVED, LION, Inc., a Washington corporation ("LION"),
promises to pay to _________________________ ("Holder"), at Holder's office at
_________________________ or at such other address as Holder may from time to
time designate in writing, the principal sum of _______________________ Dollars
($_______________) together with interest from the date of this Promissory Note
(this "Note") until October ___, 2007 ("Maturity") on the principal balance from
time to time remaining unpaid hereon at the rate of eight percent (8.0%) per
annum compounded annually. Interest shall be computed based on the basis of a
365 day year for the actual number of days elapsed.

         1. PAYMENT OF PRINCIPAL AND INTEREST. Interest on this Note will be
payable in arrears on October __ of each calendar year, with the first such
payment payable on October __, 2005. No payments of principal on this Note shall
be due and payable until Maturity, at which time all then unpaid principal and
interest shall be due and payable. All payments on this Note shall be first
applied against interest and shall be made and are expressed in United States
dollars.

         2. PREPAYMENT. LION shall have the right to prepay any or all of the
outstanding balance of this Note at any time and from time to time without
penalty or premium of any kind.

         3. EVENTS OF DEFAULT. Each of the following shall constitute an Event
of Default ("Event of Default") hereunder:

              a. Failure of LION to make any payment of principal or interest
upon this Note when due and such failure or refusal shall continue for ten (10)
days; or

              b. Filing by LION of a voluntary petition in bankruptcy or filing
by LION of any petition or answer seeking or acquiescing in any reorganization,
arrangement, composition, readjustment, liquidation, or similar relief for
itself under any present or future federal, state or other statute, law or
regulation relating to bankruptcy, insolvency or other relief for debtors, or
the seeking, consenting to, or acquiescing by LION in the appointment of any
trustee, receiver,

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<PAGE>

custodian, conservator or liquidator for LION, or the making by LION of any
general assignment for the benefit of creditors;

              c. Filing of a petition against LION seeking any reorganization,
arrangement, composition, readjustment, liquidation, or similar relief under any
present or future federal, state or other law or regulation relating to
bankruptcy, insolvency or other relief for debts, or the appointment of any
trustee, receiver, custodian, conservator or liquidator of LION, unless such
petition shall be dismissed within sixty (60) days after such filing, but in any
event prior to the entry of an order, judgment or decree approving such
petition;

              d. The occurrence of an Event of Default, as defined in the
Secured Notes Agreement, dated as of the date hereof, by and among LION, Holder
and the other parties named therein;

              e. If there is a default in any agreement between LION and a third
party that gives the third party the right to accelerate any indebtedness
exceeding $100,000; or

              f. If there (i) occurs a material adverse change in the business,
operations, prospects or condition (financial or otherwise) of LION, or (ii) is
a material impairment of the Company's ability to perform its obligations under
this Note.

         4. ACCELERATION. Upon [(a)] the occurrence of any Event of Default [or
(b) LION's termination of Holder's employment without "cause" (as defined in the
Employment and Non-Competition Agreement between Holder and LION dated October
___, 2004)], Holder shall have the option in writing to declare the entire
amount of principal and interest due under this Note immediately due and
payable, and Holder may exercise any of its rights under this Note.

         5. [RIGHT OF OFFSET. Reference is made to the Agreement of Merger (the
"Merger Agreement"), dated as of October __, 2004 between LION, LION Acq. LLC,
Tuttle Risk Management Services, Inc., and certain stockholders thereof. In the
event that, either by agreement of Holder and LION, or by a decision of a court
of competent jurisdiction, Holder is found responsible under the indemnification
provisions of Article 9 of the Merger Agreement for a Loss (as that term is
defined in the Merger Agreement) the LION Indemnified Parties (as that term is
defined in the Merger Agreement) shall have the right to have satisfied any such
amount owing by Holder in respect of such indemnification obligations by setting
off such amount against amounts due and owing by LION to Holder under this Note.
The withholding of all or any portion of the principal or interest due under
this Note pursuant to the terms of Article 9 of the Merger Agreement shall not
be deemed a default under this Note and shall not be the basis for any claim of
acceleration hereunder.] [THIS PROVISION TO BE INCLUDED ONLY IN NOTES ISSUABLE
TO CLEMENTSON AND BERRIS]

         6. EXPENSES. In the event suit or action is instituted to enforce or
interpret this Note, the prevailing party shall be entitled to recover all
reasonable expenses, including, without limitation, reasonable attorneys' fees
and expenses.

         7. GOVERNING LAW; VENUE. This Note shall be governed and construed in
accordance with the laws of the State of Washington. Each party hereby
irrevocably submits to the non-exclusive jurisdiction of the courts located in
the State of Washington, King County, and the

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<PAGE>

federal courts sitting in King County, State of Washington, over any action or
proceeding arising out of or relating to this Note, and waives any claim that
such proceedings have been brought in an inconvenient forum.

         8. WAIVER AND CONSENT. LION and all sureties, endorsers, guarantors and
other parties now or hereafter liable for the payment of this Note, in whole or
in part, hereby severally (i) waive demand, notice of demand, presentment for
payment, notice of nonpayment, notice of default, protest, notice of protest,
notice of intent to accelerate, notice of acceleration and all other notices
(except as provided in Section 3), and further waive diligence in collecting
this Note or in enforcing any of the security for this Note; (ii) agree to the
release of any party primarily or secondarily liable for the payment of this
Note; (iii) agree that Holder shall not be required to first institute suit or
exhaust its remedies hereon against LION or others liable or to become liable
for the payment of this Note; and (iv) consent to any extension of time for the
payment of this Note, or any installment hereof, made by agreement by Holder
with any person now or hereafter liable for the payment of this Note, even if
LION is not a party to such agreement.

         9. GENERAL PROVISIONS. LION may not assign its obligations under this
Note without the written consent of Holder. Holder may assign, pledge or
otherwise transfer this Note upon advance written notice to LION. The rights and
obligations of LION and Holder shall be binding upon and shall inure to the
benefit of their successors and permitted assigns, if any, heirs and
administrators. The provisions of this Note may be amended, waived or modified
only upon the written consent of Holder and LION. All notices with respect to
this Note shall be in writing, delivered, and effective as provided in the
Merger Agreement.

         10. NOTICES. Any notice or written communication given pursuant to or
in connection with this Note shall be in writing and shall be given by
delivering the same personally or by prepaid courier, prepaid certified or
registered mail or telecopier, addressed to the party to be notified at the
address of such party set out below or at such other address of which such party
has given notice to the other parties hereto. Any such notice shall be
conclusively deemed to have been given and received on the day of actual receipt
by the addressee or, if given by prepaid certified or registered mail, on the
third day (excluding Saturday, Sunday and any statutory holiday) following the
mailing date (absent a general disruption in postal service).

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<PAGE>

ORAL AGREEMENTS OR ORAL COMMITMENTS TO LOAN MONEY, EXTEND CREDIT, OR TO FORBEAR
FROM ENFORCING REPAYMENT OF A DEBT ARE NOT ENFORCEABLE UNDER WASHINGTON LAW.

LION, INC.

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

Its:
     --------------------------------

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