Document:

Exhibit 10.2

                      EMPLOYMENT AGREEMENT

     This Agreement is entered into this 2nd, day of April,  2003 by and between
MILLENIUM HOLDING GROUP,  INC., a Nevada Corporation (MNHG) and Carla Aufdenkamp
of  Henderson,  Nevada  (EMPLOYEE).  In  consideration  of the mutual  covenants
contained herein MNHG and EMPLOYEE agree as follows:

                             SECTION I - EMPLOYMENT

     MNHG hereby  appoints  the  EMPLOYEE as Vice  President  and  Secretary  of
Millenium  Holding Group,  Inc. with all the powers and duties  consistent  with
such position.  The EMPLOYEE  hereby accepts said  appointment  and agrees to be
employed subject to the terms and conditions contained herein.

                                SECTION II - TERM

     Unless otherwise  terminated  pursuant to Section V of this Agreement,  the
term of  employment  hereunder  shall be for a period of five (5) years from the
date hereof,  with automatic annual renewal each year unless cancelled by either
party within sixty (60) days of the anniversary date.

                              SECTION III - DUTIES

     The  EMPLOYEE  shall  perform  to the  best  of her  abilities  all  duties
necessary  to meet  her  obligations  as the Vice  President  and  Secretary  of
Millenium Holding Group,  Inc. Said obligations  consist of, but are not limited
to, all facets of  operations  in all the areas  necessary to improve and expand
the  business of MNHG.  The EMPLOYEE  shall  devote all of her time,  energy and
skill during regular business hours to such  employment.  She shall be under the
direction of the  President  and CEO of MNHG and shall  report  directly to said
President.

                            SECTION IV - COMPENSATION

1.   Salary -  EMPLOYEE'S  base salary  shall be $105,000  per annum with annual
     increases of 8%.

2.   Medical/Dental  -  MNHG  shall,  at a  nominal  cost  ($50.00  monthly)  to
     EMPLOYEE, enroll the EMPLOYEE and dependents in the Company's comprehensive
     medical/dental   insurance  plan,  short-term  disability  and  group  life
     insurance (1 x annual salary), which will become effective thirty (30) days
     from the date of hire.  All above plans  include  EMPLOYEE'S  dependents as
     defined in said plans.  EMPLOYEE will be reimbursed for an annual  physical
     each year by the Company.

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3.   Pager and cell  phone - Shall be  provided  for  reasonable  and  customary
     business use.

4.   Bonus - EMPLOYEE  shall receive a bonus of ten hundredth  percent (.10%) of
     the pre-tax  profits of Millenium  Holding Group,  Inc. in an amount not to
     exceed  one-year  salary.  Said  bonus  may be  paid  in  stock,  cash or a
     combination thereof.

5.   Paid Holidays - Nine (9) per calendar year.

6.   Vacation - EMPLOYEE  shall be entitled to four (4) weeks vacation the first
     year, five (5) weeks the second year and thereafter.

7.   Stock  Options - EMPLOYEE  shall be entitled to purchase a number of shares
     of the common stock (restricted  pursuant to Rule 144) of MILLENIUM HOLDING
     GROUP, INC. for each dollar of compensation  received during that year. The
     option  will be at a strike  price of two dollars  ($2.00)  per share.  The
     underlying  shares shall have  "piggyback"  rights of  registration.  These
     stock options will  terminate one (1) year from the date the EMPLOYEE is no
     longer employed by the Company.

8.   Travel and  Entertainment  expenses shall be reimbursed by MNHG per company
     policies.

9.   Personal  Leave - Twelve  (12) days per year on  accrual  basis,  to become
     effective thirty (30) days from date of hire.

10.  401(k) - You will be eligible to participate in MNHG'S 401(k) program to be
     established.

11.  Stock  Incentive  Program - You will be eligible to  participate  in MNHG's
     Stock Incentive Program to be established.

12.  Vehicle - A vehicle shall be provided at the Company's  expense  (including
     insurance,  licensing,  taxes,  etc.) to EMPLOYEE at the earliest  feasible
     time.

13.  Deferred Compensation - A secured deferred  compensation  agreement will be
     provided to the EMPLOYEE.  The amount of compensation will amount to 10% of
     EMPLOYEE'S annual base salary.

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                             SECTION V - TERMINATION

1.   MNHG may terminate this Agreement without cause, however, in said case MNHG
     shall be liable  under the terms of this  Agreement  through its  remaining
     years.

2.   For purposes of this  Section V,  "Cause"  shall be defined as: 1) habitual
     intoxication  or drug  addiction;  2) conviction  of a felony;  3) material
     violation of any rules or regulations of general application established by
     employer;  4)  commission  of an act by EMPLOYEE of fraud,  theft,  deceit,
     dishonesty  or  conflict  of  interest;   or  5)   EMPLOYEE'S   failure  to
     satisfactorily   perform  any  of  her  material   agreements,   duties  or
     obligations  set  forth  herein,  after  notice  thereof  in  writing  from
     employer.

                 SECTION VI - CONFIDENTIALITY AND NON DISCLOSURE

1.   EMPLOYEE,  except  as  authorized  by  MNHG  in  writing,  shall  hold  all
     confidential  information in trust and confidence for MNHG and agree not to
     disclose such information to anyone outside of MNHG or use such information
     for the  benefit  of anyone  other than  MNHG,  either  during or after her
     employment with MNHG. Said  confidential  information shall include without
     limitation,  any and all  information  concerning (i) processes,  formulas,
     trade secrets, innovations, inventions, discoveries, improvements, research
     or development and test results,  specifications,  data, and know-how; (ii)
     marketing  plans,  business  plans,  strategies,   forecasts,   unpublished
     financial  information,  budgets,  projections,  product plans and pricing;
     (iii) personnel information,  including organizational  structure,  salary,
     and  qualification  of EMPLOYEES;  (iv) customer and supplier  information,
     including  identities,  product sales and purchase history or forecasts and
     agreements; and (v) any other information which is not known to the public.

2.   EMPLOYEE  further agrees to promptly  deliver to MNHG on termination of her
     employment  or at any  time  it  may  so  request,  all  memoranda,  notes,
     notebooks,  records,  reports,  manuals,  drawings,  blueprints  and  other
     documents  or  things  belonging  to MNHG,  including  all  copies  of said
     materials,  which I may  then  possess  or have in my  custody  or under my
     control.  The rights and  obligation  of this  paragraph and paragraph 1 of
     this section shall survive and continue after any expiration or termination
     of this  Agreement  or of  EMPLOYEE'S  employment  with MNHG so long as the
     information   specified  in  this  and  the  preceding   paragraph   remain
     confidential.

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3.   EMPLOYEE  agrees  that  she  will  not  use or  disclose  any  confidential
     information  belonging to her former employer(s) during her employment with
     MNHG nor will said EMPLOYEE  bring onto the premises of MNHG any documents,
     files, records or other property belonging to EMPLOYEE'S former employer.

4.   MNHG has received and in the future will receive from third  parties  their
     confidential  information  subject  to a  duty  by  MNHG  to  maintain  the
     confidentiality of said information. EMPLOYEE agrees that she owes MNHG and
     said  third  parties a duty to hold all said  confidential  or  proprietary
     information in confidence and not to disclose it to others or to use it for
     the benefit of anyone other than for MNHG or said third party.

         SECTION VII - INVENTIONS, PATENTS, TRADE SECRETS AND COPYRIGHTS

     EMPLOYEE agrees that all inventions,  copyrightable  works and confidential
information (including but not limited to new contributions, improvements, ideas
or  discoveries,  whether  patentable  or  not  and  computer  source  code  and
documentation) produced,  conceived,  made or first actually reduced to practice
by  EMPLOYEE  solely or jointly  with  others  during  the period of  EMPLOYEE'S
employment  with MNHG (the  foregoing are  subsequently  referred to as Creative
Work(s),  are hereby  assigned  to MNHG and shall be the  exclusive  property of
MNHG. EMPLOYEE further agrees as follows:

     (a)  promptly disclose in detail all Creative Works to MNHG;

     (b)  at the  request  of MNHG,  sign  and  provide  any and all  documents,
          testimony  or any other  assistance  that is  reasonably  necessary to
          assign, file, register or otherwise secure to MNHG exclusive rights to
          Creative Works in the United States and all other countries;

     (c)  accept the salary for her  services as her sole  compensation  for the
          assignment  to MNHG of all rights to Creative  Works and other  rights
          granted  to MNHG  under  this  Agreement.  In case  any  invention  is
          described in a patent  application or is disclosed to third parties by
          EMPLOYEE after terminating  employment with MNHG, it is to be presumed
          that  the  invention  was  conceived  or made  during  the  period  of
          EMPLOYEE'S employment with MNHG, and the invention will be assigned to
          MNHG as provided by this Agreement,  provided it relates to EMPLOYEE'S
          work with MNHG or any of its  subsidiaries or divisions.  Any Creative
          Works made by EMPLOYEE prior to her association  with MNHG and without
          the  confidential  information  and/or  resources of MNHG shall not be
          subject to the assignment provision of this Agreement; and

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     (d)  waive  any and all  "moral  rights"  which  EMPLOYEE  may have to such
          Creative Works, and to assign all such "moral rights" to MNHG.  "Moral
          Rights" mean any rights to claim  authorship  of a Creative  Work,  to
          object to or  prevent  the  modification  of any  Creative  Work or to
          withdraw from  circulation or control the  publication or distribution
          of any Creative Work,  and any similar right,  existing under judicial
          or  statutory  law  of  any  country  in the  world,  or  any  treaty,
          regardless  of whether or not such right is  denominated  or generally
          referred to as "moral right".

                  SECTION VIII - NON-SOLICITATION OF EMPLOYEES

     During  EMPLOYEE'S  employment  with  MNHG and for a period of one (1) year
after the  termination  of said  employment  for any reason,  EMPLOYEE shall not
either directly or indirectly solicit,  induce,  recruit or encourage any of the
EMPLOYEES  of MNHG to leave their  employment  or take away such  EMPLOYEES,  or
attempt to solicit,  induce, recruit,  encourage or take away EMPLOYEES of MNHG,
either for EMPLOYEE or for any other person or entity.

                            SECTION IX - NON COMPETE

     While in the  employ of MNHG and  thereafter  for a period of one (1) year,
EMPLOYEE shall not in any manner,  directly or indirectly,  interfere or attempt
to interfere with the business,  goodwill, trade, customers or EMPLOYEES of MNHG
or anyone dealing with MNHG. EMPLOYEE,  while an EMPLOYEE,  and thereafter shall
not  communicate  or  divulge,  or use  for her  benefit  or any  person,  firm,
association  or  corporation,  without the prior  written  consent of MNHG,  any
confidential information, or other confidential matters possessed, owned or used
by MNHG.

     All  confidential  information  EMPLOYEE  shall use or  prepare  or come in
contact with while an EMPLOYEE of MNHG,  regarding  the business of MNHG,  shall
remain the sole property of MNHG.

                               SECTION X - NOTICE

     All notices shall be in writing and mailed, sent by facsimile  transmission
or hand delivered to:

     EMPLOYEE:
          Carla Aufdenkamp
          11 Knob Oak Drive
          Henderson, NV 89052

     EMPLOYER:
          President
          Millenium Holding Group, Inc.
          11 Knob Oak Drive
          Henderson, NV 89052

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                           SECTION XI - ASSIGNABILITY

     This  Agreement  shall inure to the benefit of MNHG'S assigns or successors
whether  through a change of stock  control  or a partial  or  complete  sale of
assets including but not limited to an acquisition or merger.

                        SECTION XII - GENERAL PROVISIONS

1.   The laws of the State of Nevada  govern this  Agreement.  If one or more of
     the  provisions in this Agreement is deemed void by law, then the remaining
     provisions will continue in full force and effect.

2.   EMPLOYEE  acknowledges that this is the sole Agreement between she and MNHG
     with respect to the subject matter contained herein, and she has not relied
     upon any representation or promise not expressly stated herein.

3.   Any  modification to this Agreement can only be made in writing executed by
     the EMPLOYEE and the President of MNHG.

     IN WITNESS  WHEREOF,  Carla  Aufdenkamp  (EMPLOYEE)  and Millenium  Holding
Group,  Inc.  (MNHG) have  executed  this  Agreement  as of the date first above
written.

MILLENIUM HOLDING GROUP, INC.                  CARLA AUFDENKAMP

By:
   --------------------------------            ---------------------------------
   Richard Ham, PresidentExhibit 10.3

                             PARTICIPATION AGREEMENT

     THIS  AGREEMENT  is made and  entered  into as of this 15th day of  August,
2003, by and between Pacific Charter Financial  Services  Corporation,  a Nevada
corporation  ("Manager"),  and Millenium Holding Group, Inc., 11 Knob Oak Drive,
Henderson, Nevada 89052, a Nevada corporation ("Participant").

     A. Manager intends to organize the Pargro Performance(TM) Fund ("Fund") for
     the purpose of conducting a private placement ("Offering") on a best effort
     basis of up to $25  million of its  securities  and then  applying  the net
     proceeds towards the purchase of revenue  participation  certificates  from
     five (5) participating private or public companies.

     B. Participant is in need of funds to grow its business and desires to sell
     a revenue participation certificate to the Fund in the amount and under the
     terms and conditions as set forth below.

                                    AGREEMENT

     NOW,  THEREFORE,  in  consideration of the premises and covenants set forth
herein,  and  for  other  good  and  valuable  consideration,  the  receipt  and
sufficiency  of which  are  hereby  acknowledged,  the  above  parties  agree as
follows.

                                    Section 1
                          RESERVATION AND DUE DILIGENCE

1.  Participant  desires  to sell and the Fund  desires  to  purchase  a Revenue
Participation Certificate, as defined in Schedule 1, in the gross amount of Five
Million Dollars (U.S.) ($5,000,000). After deduction of marketing and management
costs  Participant  to  receive   approximately   Four  Million  Dollars  (U.S.)
($4,000,000).

     a. With signature to this Agreement,  Participant shall wire transfer Fifty
     Thousand  ($50,000)  (U.S.),  as a Reservation Fee, made payable to Pacific
     Charter Financial Services Corporation,  which reserves the above amount of
     proceeds in the Offering.

2. Due Diligence.  Participant  agrees to provide Manager the  documentation and
information  requested  for  its  due  diligence,  as  well  as  any  additional
requirements  to produce the Offering  documents on a timely  basis,  defined as
within  five  (5)  working  days  from  date  of  request  (See  Due   Diligence
Questionnaire).

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                                   Section II
                   REVENUE PARTICIPATION AND OTHER OBLIGATIONS

1. Participant  hereby agrees to pay a Royalty Interest payment of Eight Million
Seven Hundred Fifty Thousand Dollars ($8,750,000) (U.S.), as defined in Schedule
1,  representing  One Hundred and  Seventy-five  Percent  (175%) of Five Million
Dollars  ($5,000,000),  in  accordance to the  purchased  Revenue  Participation
Certificate,  as defined in Schedule 1, which  shall be  adjusted  according  to
actual  disbursement  from the Fund. The Royalty  Interest payment is based upon
the following schedule in United States currency:

     a. Payment to begin the third  quarter  from receipt of funds,  pro rata to
     the funds  received.  b. The projected  Royalty  Revenue  Interest below is
     based upon the Participant's projected Gross Revenue:

                Year 1        Year 2        Year 3         Year 4        Accum
                ------        ------        ------         ------        -----
1st quarter                $  662,500     $ 662,500     $ 662,500
2nd quarter                   662,500       662,500       662,500
3rd quarter    $400,000       662,500       662,500       662,500
4th quarter     400,000       662,500       662,500       662,500
     Total     $800,000    $2,650,000    $2,650,000     $2,650,000    $8,750,000

2.  Should  shortfall  exist in the  payment  of the  Royalty  Revenue  Interest
required  to pay the  obligation  stated  herein,  Participant  agrees to adjust
payments to the Fund to meet the  accumulated  payments  within the term of four
years.

3. Upon completion of the payments in a and b above,  Participant's  obligations
shall be considered paid in full.

4. Late Fees:

     a. Payments shall be made within ten days of each quarter. A Late charge of
     Five (5%)  Percent  shall be added to the  quarterly  payment  that is paid
     after the tenth (10th) day.

5. Default:

     a. Should  Participant  default on payment of the Royalty Revenue Interest,
     as agreed to herein,  Manager may attach or sell  collateral  and  security
     without notice.

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                                   Section III
                          COLLATERAL AND SECURITIZATION

     Participant shall agree to provide collateral to secure the Royalty Revenue
Interest as shown below. Requested Documentation to be delivered within Ten (10)
days from signature to the Collateral Securitization Agreement .

1. The collateral shall be $15 million or three times the proceeds received from
the fund.

     a. Preferred Shared: Based upon Participant's current market price of $2.25
     per  share,  the  collateral  for this  transaction  shall  be One  Million
     (1,000,000  ) Preferred  shares  Authorized,  there being only one class of
     Preferred  stock.  Each  Preferred  share shall be convertible to Seven and
     one-half (7.5) shares of common stock.

          (i)  The Preferred  shares shall be  convertible  at the option of the
               holder upon default.

          (ii) The Fund shall be placed in the First preferential position ahead
               of any and all debt and maintained in such position until paid in
               full.

          (iii)Participant  hereby agrees to maintain the level of collateral of
               three (3) times the  proceeds  received,  which  shall be revised
               annually from the date funds are received.

                                   Section IV
                    DISBURSEMENTS, ORDINARY AND EXTRAORDINARY

     Manager in order to properly  conduct  its  fiduciary  responsibilities  to
Participant and Fund investors has established the following:

1. Participant shall augment its business plan and budget disbursement plan on a
schedule with the funds requested herein, as accepted by Manager. When funds are
disbursed  Manager  will use its best  efforts to meet the  schedule of Ordinary
Expenditures.

     a.  Should an  Extraordinary  Expenditure  occur,  Participant  may apprise
     Manager  with  30  days  notice  and  appropriate   backup   documentation.
     Extraordinary   expenditures  will  be  processed  in  accordance  to  fund
     availability.

2. Participant shall be required to provide financial statements, receivable and
payable aging, detailed sales and marketing reports, as follows:

     a.  Private  Companies:   Participant  shall  provide  Monthly  "unaudited"
     financial statements (by the 10th of each Month from signature hereto), and
     Quarterly and Annual "audited financial  statements (within 30 days of each
     Quarter).

     b. Public  Companies:  If publicly traded and reporting,  Participant shall
     provide Monthly "unaudited" financial statements (by the 10th of each Month
     from signature hereto),  and audited annual financial  statements within 90
     days of fiscal year end. Further,  Participant to deliver to Manager copies
     of any  and  all  audits  prepared  by its  own  auditors,  or any  and all
     regulatory  authorities  reported to in the course of its business,  within
     the time frame specified thereby.

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          i.   If the Public Company is non-reporting  with regard to regulatory
               authorities,   Participant,  in  addition  to  providing  Monthly
               "unaudited"  financial statements (by the 10th of each Month from
               signature  hereto),   agrees  to  provide  Quarterly  and  Annual
               "audited financial  statements (within 30 days of each Quarter or
               time agreed upon with Manager) .

     c. Detailed sales and marketing results,  and receivable and payable aging,
     will be required to be received no later than the 10th of month.

     d. In the event  Participant is late in payment (defined as two consecutive
     quarters)  or  reporting  (defined  as 30 days  late),  Manager may request
     Participant  provide  daily or  weekly  reports  of  receivables  and other
     financial information together with sales and marketing activity.

     e.  Manager  shall  have the  right  to audit  with  reasonable  notice  to
     Participant, at Manager's cost.

                                    Section V
                           DUTIES AND RESPONSIBILITIES
1. Manager.

     Pre Funding.
     a. Complete the due diligence of Participant and  information  required for
     Private Placement.

     b.  Prepare  documentation,  including  but  not  limited  to  the  Private
     Placement Offering,  Collateral  Securitization  Agreement and Disbursement
     Agreement with each Participant.

     c. Obtain a Selling Agreement with one or more NASD Broker Dealers.

     d. Set up  presentations,  as needed,  to NASD  broker  dealers  and market
     makers.

     e. Establish accounting and audit overview of Participants not inconsistent
     with the rules and  regulations of the  Securities and Exchange  Commission
     and other regulatory agencies.

     Post Funding
     a. As Manager of Funds to receive and  disburse  proceeds  of the  Offering
     according to Participant's budget disbursement plan agreed upon.

          (i)  Establish with Participant its disbursements,  in accordance with
               budget, and

          (ii) Adjustments made in accordance to actual disbursement by Fund.

     b.  Establish  with  Participant  and audit its payback  according  to this
     Agreement, adjusted to actual proceeds of the Offering received.

     c. Act as Paymaster to fund Investors.

     d. Monthly newsletter to Participants and Royalty Interest Holders.

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2. Participant.

     Pre Funding.

     a. Provide information and documentation for due diligence, as noted in the
     Due  Diligence  Questionnaire,  provided  separately,  and such  additional
     information  that may be requested for  preparation of Offering,  including
     projections, and current Financial Statements.

     b.  Provide  3-5  year   business  plan  adjusted  for  Fund  proceeds  and
     Participating Participation Certificate.

     c. Review current  accounting  procedures.  Establish  changes  required by
     Manager and  Participant's own auditor for internal  accounting  procedures
     not  inconsistent  with the rules and  regulations  of the  Securities  and
     Exchange Commission and other regulatory agencies.

     d. Review banking signatures to have two signatories.

     e. Participate with Fund in presentation,  as needed, to NASD broker(s) and
     market makers.

     Post Funding.

     a. Begin immediately implementation of business plan.

     b. Begin execution of next phase funding requirements, if required.

     c. Provide Fund reporting as required

     d. Pay Royalty Revenue Interest to payback funds as agreed upon herein.

     e. Provide financial statements (see Section IV2(a)(b)(c)(d)(e).

                                   Section VI
                                     General

1.  Right of  Rejection.  Manager  shall  have the right to reject  any  company
seeking participation in the offering at its sole discretion.

2. This  Agreement  is deemed in full force and  effect  when  countersigned  by
Manager  and  payment  for the  reserved  units  accepted.  Once  accepted,  the
Reservation Fee is non refundable.

3. Insurance.  Participant  shall obtain and maintain,  at its own costs, from a
Best rated insurance  company,  such standard industry insurance required in the
operation of its business. Participant agrees to obtain Key Man insurance within
6 months and upon becoming a public corporation  obtain and maintain  Directors'
Errors and Omission insurance.

4.  Proprietary  Information.  The  Parties  to this  Agreement  agree  that any
proprietary information,  whether patented, copyrighted or not, in existence now
or developed during the course of this relationship shall remain proprietary and
not disclosed to third parties without the other parties express  approval.  All
matter of published  information  and the  information  provided for the Private
Placement Offering shall not be deemed proprietary.

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5. Change of Control.  Any  management  and/or  majority  shareholder  change of
control of  Participating  Company must be with the written approval of Manager,
which shall not be unreasonably withheld.  Said approval shall be required until
full satisfaction of repayment as stated herein.

6 Actions and Termination by Manager and Fund.

     a.  Pre  Offering.  After  consummation  of this  Agreement,  in the  event
     Participant is deficient in providing  information or documentation for due
     diligence,  or required for the Offering  (defined as 10 days from the date
     of each request),  Manager shall notice  Participant in writing of five (5)
     additional  days to provide each  request or be removed from the  Offering.
     Upon  later  receipt  of  information  or  cure  by  Manager,  at its  sole
     discretion, Participant may be placed into a subsequent Offering.

          (i) In the event Manager  obtains  information  that  Participant  has
          misled,  made  falsehoods  or omitted  facts that if provided  Manager
          would not have  accepted  Company,  Manager has the right to terminate
          and remove Participant from said Offering.  Notice of such deficiency,
          falsehood or omission of fact shall be in writing.  If the Participant
          is  unable to  provide  satisfactory  documentation  to comply or cure
          within five (5) business days,  Manager shall remove  Participant from
          the Offering,  and terminate this  Agreement,  in which case no refund
          will be made of Reservation fee or Printing cost paid.

     (b) Post Funding. The Fund will take the following action(s):

          (i) In the event that a Royalty  Revenue  Interest  payment  cannot be
          paid Participant  shall notice Manager of its plan to pay said payment
          and  interest.  A Late charge  penalty of Five (5%)  Percent  shall be
          included  in the  payment,  if the  Royalty  Interest  payment  is not
          received  within Ten days of the due date. An  additional  Two Percent
          (2%) shall be charged for each 10 day penalty  thereafter or as agreed
          to.

          (ii) Should Manager obtain  information  that  Participant has misled,
          made falsehoods or omitted facts that if provided to the Manager,  the
          Company would not have been  accepted,  and if partial or full funding
          has been made,  payback of proceeds will be immediately  required.  If
          payback  is not made  within  30 days,  the  collateral  securing  the
          Revenue Participation Certificate shall be forfeited.

          (iii) In the event Participant is unable or refuses to cure or pay the
          Royalty Revenue  Payments,  then Manager shall take appropriate  legal
          action  with regard to  protecting  its  Royalty  Interest  Holders as
          stated herein and in the Securitization Agreement.

          (iv) In the event of the establishment of misappropriation, conversion
          or falsified records by Participant, Manager shall take action without
          notice.

7. Books and Records. Participant agrees to maintain complete and accurate books
and records for their own account and those of its stockholders.

     a. Participant agrees to provide to Manager audited financial statements as
     required herein.

     b. Manager  shall have the right of audit at its own costs with  reasonable
     notice.

                                      6                                 ________
                                                                        Initial
<PAGE>
8.  Assignability:  Neither  Party may  transfer  or assign any of its rights or
obligations under this Agreement without the written consent of the other, which
consent shall not be unreasonably withheld.

9. Notices. All notices or other  communications  required or desired to be sent
to either party shall be in writing and sent by  registered  or certified  mail,
postage  prepaid,  return receipt  requested,  or by telex or telegram,  charges
prepaid to the following addresses:

        If to the Fund:

        Address 30025 Alicia Parkway, PMB 158
        City/State/Zip Code Laguna Niguel, CA, U.S., 92677
        Tel. 949-457-9515
        Fax. 949-305-9177
        Attn: Helen Gibbel Painter, President

        If to Participant:

        Address 11 Knob Oak Drive
        City/State/Zip Code Henderson, Nevada 89052
        Tel. 702 492-7721 Fax. 702 492-7728
        Attn: Richard Ham, President

     Either  party may change its address  and/or the address of its attorney by
notice in writing to the other party.

10. Applicable Law and Dispute Resolution.

     This  Agreement  shall be governed by and construed in accordance  with the
laws of the State of  California.  In the event  that it  becomes  necessary  to
enforce or interpret the terms of this  Agreement,  the parties agree to resolve
such a dispute  by  arbitration  in  accordance  with the rules of the  American
Arbitration Association, County of Orange, State of California, United States of
America.

11. Further Documents.

     Each party hereto agrees to promptly execute any and all further  documents
and to  undertake  such  further  acts as may be  necessary  or  appropriate  to
effectuate  the terms of this  Agreement and agrees that it will  cooperate with
the other party to effectuate the intention of this Agreement.

12. Counterparts/Facsimile.

     This Agreement may be executed in  counterparts  and all parties shall deem
each such  Counterpart the equivalent of any original thereof upon the execution
of this Agreement. Facsimile signatures shall be considered as original.

                                      7                                 ________
                                                                        Initial
<PAGE>
13. Binding Effect.

     This Agreement is and shall be binding upon the parties,  their  successors
and assigns.  The  undersigned  warrant that they are authorized to execute this
Agreement on behalf of their respective parties.

14. Severability.

     In the event that any term or  provision  of this  Agreement  shall for any
reason be held to be invalid,  illegal,  or unenforceable  in any respect,  such
invalidity,  illegality,  or unenforceability shall not affect any other term or
provision and this Agreement  shall be interpreted and construed as if such term
or  provision,  to the  extent  the same  shall  have been  held to be  invalid,
illegal, or unenforceable, had never been contained herein.

15. Integration

     This  Agreement  represents  the entire  understanding  between the parties
hereto with respect to the subject matter hereof and this  Agreement  supersedes
all previous representations,  understandings,  or agreements,  oral or written,
between the parties  with  respect to the subject  matter  hereof and may not be
amended except in writing.

     IN WITNESS WHEREOF,  the parties hereto enter into this agreement as of the
date and year first written above.

     "Participant"

     Millenium Holding Group, Inc.

     By:___________________________________ Dated:____________
        Richard Ham, President

Signature  below  by  an  authorized  officer  of  Manager,  together  with  the
appropriate  Reservation  Fee being paid,  indicate the Units stated  herein are
deemed reserved.

Pacific Charter Financial Services             Pargro Performance TM Fund
Corporation                                                (In formation)

By:______________________________________      By:_____________________________
   Alan Painter, Chairman & CEO                 Helen Gibbel Painter, President
                                                of Pacific Charter Financial
                                                Services Corporation, as Manager

                                       8
<PAGE>
                                   SCHEDULE 1
                                   Definitions

REVENUE  PARTICIPATION  CERTIFICATE A debt instrument requiring the repayment of
principal and interest.

ROYALTY INTEREST That portion of a Revenue Participation  Certificate designated
as the interest payment.
<PAGE>
                                   SCHEDULE 2

                          COLLATERAL AND SECURITIZATION
                                (See Section III)

     Participant  shall agree to provide the  following as  collateral to secure
the Royalty  Revenue  Interest as shown  below.  Documentation  to be  delivered
within Ten (10) days from signature to the Collateral Securitization Agreement.

     2. The collateral shall be $15 million or three times the proceeds received
from the Fund.

          a. Preferred Shared: Based upon Participant's  current market price of
          $2.25 per share,  the  collateral  for this  transaction  shall be One
          Million (1,000,000 ) Preferred shares Authorized, there being only one
          class of Preferred stock. Each Preferred share shall be convertible to
          Seven and one-half (7.5) shares of common stock.

               (i)  The Preferred  shares shall be  convertible at the option of
                    the holder upon default.

               (iii)The Fund shall be placed in the First preferential  position
                    ahead of any and all debt and  maintained  in such  position
                    until paid in full.

               (iii)Participant   hereby   agrees  to  maintain   the  level  of
                    collateral of three (3) times the proceeds  received,  which
                    shall be revised annually from the date funds are received..

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