Document:

INDEPENDENT CONTRACTORS AGREEMENT

DATE:
PARTIES: WHY USA MID AMERICA DEVELOPMENT CORPORATION
ADDRESS: P.O. Box 744 28
         Fergus Falls, MN 56538
AND

INDEPENDENT CONTRACTOR THEIR HEIRS AND/OR ASSIGNS:
NAME: DIANE BUTTS
ADDRESS: 20 So. Main
         Janesville, WI 53545

1. RECITALS:

A.   The Independent Contractor has the rights to offer for sale and sell
Franchises for WHY USA MID AMERICA DEVELOPMENT CORPORATION, a Minnesota
Corporation, hereinafter referred to as "MID AMERICA". Mid America also has
the duty and rights to service and train salespersons, do broker training and
other duties that help WHY USA MID AMERICA Franchisees operate their
companies.

B.   Independent Contractor, hereinafter referred to as "I.C."  will help sell
and service WHY USA Franchises and Franchisees.

     1. It shall be the duty of the I.C. to familiarize themselves with all
rules and regulations regarding the sale and presentations for sale of
Franchises in all states that they intend to sell Franchises. This includes
all Federal, State and Local rules and laws concerning Franchises and sales of
franchises.

     2. The I.C. shall hold WHY USA MID AMERICA harmless for any and all acts
solely committed by the I.C. that may result in litigation.

2. TERM:

A.   The term of this Agreement shall be the entire period of affiliation
between the I C. and WHY USA MID AMERICA.

B.   I.C. may terminate this Agreement voluntarily upon ten (10) days written
notice.

C.   WHY USA MID AMERICA may terminate this Agreement only upon occurrence of
fraud, misrepresentation or failure to comply with our minimum sales quotas,
and, minimum continuing obligations and training as outlined later in this
agreement.

3.  DUTIES AND OBLIGATIONS OF INDEPENDENT CONTRACTOR:

A.   To register with WHY USA MID AMERICA for each state in which they will be
selling franchises.

B.   Always offers an offering circular when required by law.

C.   To solicit offices, which are not, Franchises unless they have a written
invitation from office requesting information on WHY USA Franchises.

D.   To Set up their own appointments, follow up appointments and proceed to
counties, cities and areas that they have WHY USA MID AMERICA approval to sell
in.

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E.    Give a written report within approximately 48 hours on each presentation
that they give setting forth date, place, and person I.C. spoke with and their
interpretation of the possible results. WHY USA  MID AMERICA may contact
prospect for purposes of validation. WHY USA MID AMERICA may review contacts
contacted with I.C. for purposes of helping I.C. improve their sales results.

F.    I.C. agrees to perform at all times the services contemplated hereunder
in a manner which will maintain and increase rather than diminish the goodwill
and reputation of WHY USA MID AMERICA, and shall do nothing to disturb or
devalue these interests or to bring discredit upon WHY USA MID AMERICA.

G.    I.C. shall Pay for, at his or her expense a personal automobile,
gasoline, entertainment expenses, medical insurance, auto insurance, personal
insurance and all other business expenses. The minimum amounts of liability
insurance to be maintained in force and effect with respect to auto insurance
are $100,000 for any one person $300,000 each occurrence and property damage
of $20,000.

H.    I.C. agrees to abide by all policies and procedures established by WHY
USA MID AMERICA concerning sale and possible sale of Franchises.

    1.   I.C. will attend a franchise sales class and will attend at least 50%
         of regional meetings given in his or her area.

I.    I.C. must contact each of their offices by phone at least once a month
and must visit each office at least once every 180 days.

J.    I.C. must provide at least two training sessions for their new office on
how to present the WHY USA program unless this provision is waived in writing
by WHY USA MID AMERICA.

4. MINIMUM QUOTAS:

It is a requirement for each I.C. to sell and maintain a minimum of seven
franchises within first 3 1/2 years of signing their contract:

      FIRST YEAR ................................ 2
      SECOND YEAR................................ 2
      THIRD YEAR ................................ 2
      FIRST HALF OF FOURTH YEAR.................. 1
      ----------------------------------------------
                                   TOTAL......... 7

A.    If I.C. maintains the quota, 100% of money due will be paid. However, if
I.C. falls behind after year one, WHY USA MID AMERICA will take over I.C.
services to any franchisees I.C. may have sold, and I.C. will then be given
50% of the fees owing to I.C. for one year. This gives I.C. one year to catch
up. At the end of year two if I.C. is caught up for previous years and the
present year's quota, I.C. will be reinstated to 100% fees and commissions
owed. Any franchises I.C. sells during second year it is behind on quotas,
I.C. will receive the regular thirty (30%) percent commission on franchise
sales plus fifty (50%) percent of the transaction fees percentage I.C. would
have earned for the year. The reason is to give I.C. a chance to catch up on
quotas without having to do any servicing. I.C. can spend its resources
selling and not servicing. I.C. can spend its

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resources selling and not servicing. I.C. will be required to do salesperson
training, however, after two sales as stated earlier. If I.C. does not catch
up to the minimum quotas by the end of year two this Agreement will be
canceled for non-fulfillment of Agreement. If I.C. does not sell at least one
franchise within twelve (12) months of signing this Agreement, this Agreement
will then become null and void.

5.   COMPENSATION:

A.   I.C. will receive thirty (30%) percent of all collected franchise fees
and thirty (30%) percent of all collected transaction fees, for as long as
I.C. sells their minimum quotas and services their franchisees as outlined in
SECTION 3, DUTIES AND OBLIGATIONS.

B.   Neither WHY USA MID AMERICA or I.C. shall be liable to the other party
for any commissions or transaction fees not actually paid to and received by
WHY USA MID AMERICA.

6. TAXES AND BENEFITS:

Independent Contractor, is a self-employed individual, and shall be solely
responsible for the payment of its own state and federal income tax and self-
employment tax. WHY USA MID AMERICA shall not under any circumstances withhold
and pay, or be responsible to withhold and pay to the appropriate government
agency, such taxes. I.C. shall not be entitled to retirement benefits, fringe
benefits, workman's compensation coverage as set forth in A.R.S. Sec 23-910,
or other insurance benefits which may be provided to employees of WHY USA MID
AMERICA. I.C. will make it's own arrangements for payment of hospital and
medical costs in connection with any injury or illness.

7. EXECUTION OF INSTRUMENTS:

Except as otherwise provided in this paragraph, I.C. shall have no authority
to negotiate for bind, obligate or commit WHY USA MID AMERICA by any promise
or representation, unless specifically authorized by WHY USA MID AMERICA. in
writing.

8. EXPENSES:

Except as otherwise specifically agreed in writing by WHY USA MID AMERICA,
I.C. Shall be responsible for all expenses incurred in connection with the
performance of its duties and responsibilities hereunder.

9.  COMMISSION DISPUTES:

Any disputes between I.C. and any other independent contractor associated with
WHY USA MID AMERICA as to any commission or expense payable to or by said
parties shall be resolved by WHY USA MID AMERICA. Any decision of WHY USA MID
AMERICA as to any such matter shall be binding and conclusive on the parties
and WHY USA MID AMERICA shall have no liability to any such party, or anyone
claiming through such party, for any amount paid to another in accordance with
such decision of WHY USA MID AMERICA.

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10. LITIGATION:

Subject to the terms of Paragraph 9 above, in the event any transaction in
which the I.C. is involved results in a dispute, litigation or legal expense
involving WHY USA MID AMERICA, WHY USA MID AMERICA and the I.C. shall share
all expenses connected therewith in the same proportion as they would normally
share the commission resulting from such transaction if there were no dispute
or litigation. I.C. shall fully cooperate with WHY USA MID AMERICA with
respect to any disputed matters. WHY USA MID AMERICA, in it's sole discretion,
may determine whether or not any litigation or dispute shall be prosecuted,
defended, compromised or settled, the terms and conditions of any such
compromise or settlement, and whether or not legal expense shall be incurred,
provided, however, that no compromise or settlement requiring the payment of
money or anything of value by the I.C. shall be accepted by WHY USA MID
AMERICA without the written consent of the I.C.  WHY USA MID AMERICA shall
have the right to select legal counsel, and I.C. shall be required to share
the expenses of counsel selected by WHY USA MID AMERICA.

11. COVENANT NOT TO COMPETE:

A.    I.C. acknowledges that during the performance of his duties hereunder,
he will have been exposed to, have had access to and otherwise will be trained
in utilizing marketing programs and techniques which have been developed by
WHY USA MID AMERICA and/or which are unique to the real estate industry
including, but not limited to, the WHY USA 990 OPPORTUNITY Program, the 29 DAY
FAST SALE Program, and the like (hereinafter the "proprietary programs"). I.C.
acknowledges that WHY USA MID AMERICA has a protected interest in having I.C.
restrained from utilizing these proprietary programs and techniques in
competition with WHY USA MID AMERICA for a reasonable period of time following
termination of this Agreement.

Accordingly, I. C. agrees that for a period of two (2) years, within Rock
County, or any other county of any state in which there is a WHY USA office
following termination of this Agreement, I.C. shall not compete with WHY USA
MID AMERICA either directly or indirectly, in any capacity either as owner,
agent, independent contractor, employee, consultant, or otherwise by utilizing
WHY USA MID AMERICA proprietary programs or programs similar thereto in the
real estate business or any other business.

B.    Since a breach of the provisions of this section of this Agreement could
not adequately be compensated by money damages, WHY USA MID AMERICA shall be
entitled, in addition to any other right to remedy available to it at law or
equity, to an injunction restraining the breach or threatened breach and to
specific performance of any provision of this section of this Agreement.

C.    If the scope of any provision of this paragraph, or of this Agreement is
found by any Court to be too broad to permit enforcement to its full extent,
then such provision shall be enforced to the maximum extent permitted by law.
The parties agree that the scope of any provision of this Agreement may be
modified by a judge in any proceeding to enforce this Agreement, so that such
provision can be enforced to the maximum extent permitted by law. If any
provision of this Agreement is found to be invalid or unenforceable for any
reason it shall not affect the validity of the remaining provisions of this
Agreement.

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12. ASSIGNMENT:

This Agreement may not be assigned in whole or in part by I.C., execpt
upon, WHY USA MID AMERICA prior written consent, but may be assigned by WHY
USA MID AMERICA to any successor to its business, in whole or in part, without
the consent of I.C.

13.  NOTICE:

Any notice required to be given under the provisions of this Agreement shall
be given in writing by registered or certified mail, addressed as follows:

BROKER:  WHY USA MA America Development Corporation, A. Minnesota Corporation
         P.O. Box 744
         Fergus Falls MN 53638-0744

INDEPENDENT CONTRACTOR:

         Diane Butts
         20 S. Main
         Janesville, WI 53545

or to such other address as either party hereto shall designate by such
notice. Any such notice given hereunder shall be effective as of the time it
is received in the case of delivery, or is deposited in the United States mail
in the case of mailing.

14.   AMENDMENTS AND LAWS:

This Independent Contractor Agreement together with any supplements signed by
the parties contains the entire agreement of the parties.  It may be changed
only in writing signed by both parties. This Agreement shall be governed in
all respects, whether as to validity, construction, capacity, performance, or
otherwise, by the laws of the State of Wisconsin.

A.   Following termination, I.C. shall not be entitled to receive any
commissions, or other compensation on any other transactions, regardless of
I.C.'s involvement with such transactions, unless otherwise provided pursuant
to WHY USA MID AMERICA standard, policies and procedures.

B.   I.C. agrees to immediately deliver all "proprietary information" in his
possession or subject to his control to a designated representative of WHY USA
MID AMERICA. I.C. also acknowledges that all other files maintained by it in
connection with the performance of its services for WHY USA MID AMERICA belong
to WHY USA MID AMERICA. Said files shall be retained by WHY USA MID AMERICA
but I.C. at it's expense, may make copies of any materials included in said
files, other than materials that constitute proprietary information within the
meaning of Paragraph 11.

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15. LEGAL CONSTRUCTION:

Should any portion or provision of this Agreement be deemed invalid or void at
law, this Agreement shall be construed as though such provision or portion has
not been inserted herein and the remainder of this Agreement shall remain in
full force and effect. Titles to paragraphs used in this Agreement are for
convenience only and shall not be construed as part of this Agreement.

16.  GENDER:

The use of the masculine gender or "it" or "it's" herein is utilized for
convenience only and shall include the neuter and feminine when appropriate.

IN WITNESS WHERE-OF, the parties have executed this Agreement as of the day
and year first written above.

"Mid America"                            "I.C."
USA MID AMERICA DEVELOPMENT CORP         INDEPENDENT CONTRACTOR

BY: /s/ Dale A. Erks                     By: /s/ Dianne Butts
 Signature                                Signature

Dale A. Erks                              Diane Butts
Printed Name                              Printed Name
WHY USA MID AMERICA DEVELOPMENT CORP      Independent ContractorREGIONAL SALES DIRECTOR
                       INDEPENDENT CONTRACTOR AGREEMENT

      Agreement, dated November 17, 1998 between WHY USA North America, Inc.
(hereinafter "COMPANY") and Dale A. Erks (hereinafter "SALES REP.").

1. TERM AND EXTENSION. The employment of the SALES REP. hereunder shall
commence on November 9, 1998 and shall continue until such time as either
party to this agreement chooses to discontinue the sales relationship, except
for the rights granted to SALES REP. as part of a previous agreement dated
November 9, 1998. The COMPANY retains the SALES REP. only for the purposes and
to the extent set forth in this Agreement, and their relation to the COMPANY
shall, during the period of their agreement for services hereunder, be that of
SALES REP.

2. RELATIONSHIP BETWEEN PARTIES. The COMPANY shall retain the SALES REP. on
the basis of an independent contractor, and the SALES REP. shall serve the
COMPANY upon the terms and conditions hereinafter set forth.

Be it understood that a SALES REP. is considered an Independent Contractor. It
is a mutual understanding and agreement by those parties signed below, that an
Independent Contractor is a self-employed individual, and shall be solely
responsible for the payment of their own state and federal income tax and
self-employment tax. The COMPANY shall not under any circumstances withhold
and pay, or be responsible to withhold and pay to the appropriate government
agencies, such taxes. The SALES REP. shall not be entitled to retirement
benefits, fringe benefits, unemployment compensation, and workman's
compensation coverage, distributions or other benefits which may be provided
to employees of the COMPANY.

The SALES REP. shall be free to dispose of such portion of their entire time,
energy, and skill during regular business hours as they are not obligated to
devote hereunder to the COMPANY in such manner as they see fit and to such
persons, firms, or corporations as they deem advisable and in compliance with
Section 3.C.6 below.

Except as otherwise provided in this agreement, the SALES REP. shall have no
authority to negotiate for, bind, obligate or commit the COMPANY by any
promise or representation, unless specifically authorized by the COMPANY in
writing.

3. DUTIES. During the period of this agreement hereunder, the SALES REP. shall
serve the COMPANY and shall perform any and all general franchise services
required, or requested in connection with the business.
     a) It shall be the duty of the SALES REP. to represent and sell Company
     franchises in the available geographic area of Minnesota and Wisconsin.
   b) It shall be the duty of the SALES REP. to confer with the COMPANY as
     well as their region in order to familiarize themselves with all rules
     and regulations

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Regional Sales Director - DE                               Page 1

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     regarding the sale and presentations for sale of Franchises in all
     territory that they are authorized to sell Franchises. This includes all
     Federal, State and Local rules and laws concerning franchises and sales
     of franchises.
     c) The SALES REP. shall follow the COMPANY policy and procedures when
     selling franchises. These include:
           1 . To notify the COMPANY whenever they propose to sell in a region
           other than the one approved with this agreement so that the COMPANY
           may approve any changes and where necessary register them with the
           appropriate agencies, in particular with those states that mandate
           registration.
           2. Always provide an offering circular as required by law and then
           allowing a minimum of ten (10) workdays (except in the State of
           Illinois which is 14 days) before presenting a Franchise
           Application and Agreement to the prospect.
           3. To solicit offices, which are not franchises unless they have a
           written invitation on file with WHY USA North America, Inc. from
           the specific office requesting information on WHY USA Franchises.
           4. Accurately represent and state COMPANY policies to all potential
           and present customers.
           5. Inform the COMPANY Director of Operations of all problems
           concerning offices within the sales territory.
           6. Inform the COMPANY Director of Operations if the SALES REP. is
           representing, or plans to represent any other business firm. In no
           event shall the SALES REP. represent a competitive company or
           product line either within or outside the designated sales area.
           7. Attending franchise sales meetings and will attend at least 50%
           of regional meetings given in their area.
           8. The SALES REP. agrees to perform at all times the services
           contemplated in this agreement in a manner which will maintain and
           increase rather than diminish the goodwill and reputation of the
           COMPANY, and shall do nothing to disturb or devalue these interests
           or to bring discredit upon the COMPANY.
           9. The SALES REP. shall pay for, at his or her expense a personal
           automobile, gasoline, entertainment expenses, medical insurance,
           auto insurance, personal insurance and all other business expenses

4. TERRITORY. The territory comes forward to this agreement from the Purchase
Agreement dated November 9, 1998 between Dale A. Erks, et. al. and COMPANY and
includes the following:
     a. The right to sell franchises in Minnesota and Wisconsin.
     b. The exclusive right to sell franchises in Minnesota for one year with
     the right to continue exclusive status for second year if at least five
     new franchises are sold during the first year.

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Regional Sales Director - DE                                 Page 2

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5. SALES QUOTAS. The sales quota comes forward to this agreement from the
Purchase Agreement dated November 9, 1998 between Dale A. Erks, et. al. and
COMPANY. SALES REP. shall have the exclusive right to sell franchises in
Minnesota for one year with the right to continue exclusive status for second
year if at least five new franchises are sold during the first year.

SALES REP. shall submit a monthly list of all agencies or individuals that
they have been in contact with including contact name and telephone number.
COMPANY may contact prospects for purposes of validation. The COMPANY may
review reported contacts with SALES REP. for purposes of helping SALES REP.
improve their sales results.

6. COMPENSATION. The compensation to the SALES REP. comes forward to this
agreement from the Purchase Agreement dated November 9, 1998 between Dale A.
Erks, et. al. and COMPANY. SALES REP. shall receive seventy-five percent (75%)
of initial franchise purchase fees (excluding $500.00 for Broker Start-up Kit)
as collected for the first year. However, Twenty-five percent (25%) will be
returned if franchise fails to stay in business for one (1) full year after
start up. SALES REP. shall receive fifty percent (50%) of the initial
franchise purchase fees (excluding $500.00 for Broker Start-up Kit) as
collected after the first year. SALES REP. shall receive thirty percent (30%)
of residual (transaction) fees as collected.

If the SALES REP. does not sell at least one franchise within six (6) months
of signing this Agreement, this Agreement will then automatically become null
and void.

7. COMMISSION DISPUTES. Any disputes between the SALES REP. and any other
SALES REP. associated with the COMPANY as to any commission or expense payable
to or by said parties shall be resolved by the COMPANY. Any decision of the
COMPANY as to any such matter shall be binding and conclusive on the parties
and the COMPANY shall have no liability to any such party, or anyone claiming
through such party, for any amount paid to another in accordance with such
decision of the COMPANY.

Should a dispute occur between the SALES REP. and the COMPANY the parties may
choose arbitration. A list of arbitrators will be provided by the COMPANY to
the SALES REP. upon written request.

8. COVENANT NOT TO COMPETE. The SALES REP. acknowledges that during the
performance of their duties, they will have been exposed to, have had access
to and otherwise will be trained in utilizing marketing programs and
techniques which have been developed by WHY USA and/or which are unique to the
real estate industry including, but not limited to, the WHY USA 990
OPPORTUNITY Program, the 29 DAY FAST SALE Program, and the like (hereinafter
the "proprietary programs"). The SALES REP. acknowledges that the COMPANY has
a protected interest in having the

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Regional Sales Director - DE                                   Page 3

SALES REP. restrained from utilizing these proprietary programs and techniques
in competition with the COMPANY for a reasonable period of time following
termination of this Agreement.

Accordingly, the SALES REP. agrees that for a period of two (2) years, within
the states of Minnesota and Wisconsin, or any other county of any state in
which there is a WHY USA office following termination of this Agreement, the
SALES REP. shall not compete with the COMPANY either directly or indirectly,
in any capacity either as owner, agent, independent contractor, employee,
consultant, or otherwise by utilizing WHY USA proprietary programs or programs
similar thereto in the real estate business or any other business.

Since a breach of the provisions of this section of this Agreement could not
adequately be compensated by money damages, COMPANY shall be entitled, in
addition to any other right to remedy available to it at law or equity, to an
injunction restraining the breach or threatened breach and to specific
performance of any provision of this section of this Agreement.

If the scope of any provision of this paragraph, or of this Agreement is found
by any Court to be too broad to permit enforcement to its full extent, then
such provision shall be enforced to the maximum extent permitted by law. The
parties agree that the scope of any provision of this Agreement may be
modified by a judge in any proceeding to enforce this Agreement, so that such
provision can be enforced to the maximum extent permitted by law. If any
provision of this Agreement is found to be invalid or unenforceable for any
reason it shall not affect the validity of the remaining provisions of this
Agreement.

9. INDEMNIFICATION AND HOLD HARMLESS PROVISION. The SALES REP. agrees to
indemnify and hold harmless the COMPANY from any and all claims by the SALES
REP., which may arise out of and in the course of the performance of their
duties hereunder. Any and all claims for unemployment benefits and or claims
for workers' compensation benefits are hereby expressly waived by the SALES
REP. who agrees to maintain separate policies of liability, health, and
accident insurance as may be necessary or required by the COMPANY in
connection with the performance of duties in this agreement. The SALES REP.
shall hold the COMPANY harmless for any and all acts committed by the SALES
REP. in which they have misrepresented the COMPANY that may result in
litigation.

10. TERMINATION. Except for rights granted in a Purchase Agreement dated
November 9, 1998, which note that the agreement is in effect for two years
after which time COMPANY may purchase from SALES REP. at a price equal to four
times SALES REP. net income during the previous one-year time period. COMPANY
may terminate this agreement for any reason with written notice. Within seven
(7) days of said termination notice, SALES REP. agrees to do the following

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     a) To return promptly all materials and samples provided by the COMPANY
     to them.
     b) To immediately deliver all "proprietary information" in their
     possession or subject to their control to a designated representative of
     the COMPANY.
     c) To acknowledgment that all other files maintained by them in
     connection with the performance of their services for the COMPANY belong
     to the COMPANY. The COMPANY shall retain said files. The SALES REP. at
     their expense may make copies of any materials included in said files,
     other than materials that constitute proprietary information within the
     meaning of Paragraph 7 above.

Unless SALES REP. has been terminated for cause (i.e. theft,
misrepresentation, fraud, conflict of interest, or other prohibited actions
referred to in this agreement, etc.) the SALES REP. will have the right to
continue receiving the transaction fees as defined in Section 6 COMPENSATION,
from the sales made during the tenure of the SALES REP. The COMPANY reserves
the right to purchase all of the SALES REP. rights at any time after the
agreement has been in effect for two years. The purchase price shall be equal
to four times SALES REP. net income during the previous one-year time period

11. RESIGNATION. The SALES REP. agrees to provide the COMPANY 30-days'
written notice should they intend to terminate this agreement. Within seven
working days from the notice of resignation the SALES REP. agrees to the
following:
     a)To return promptly all materials and samples provided by the COMPANY to
     them.
     b)To immediately deliver all "proprietary information" in their
     possession or subject to their control to a designated, representative of
     the COMPANY.
     c)To acknowledgment that all other files maintained by them in connection
     with the performance of their services for the COMPANY belong to the
     COMPANY.  The COMPANY shall retain said files. The SALES REP. at their
     expense may make copies of any materials included, in said files, other
     than materials, that constitute proprietary information within the
     meaning of Paragraph 7 above.

Should the SALES REP. leave the company in good standing they will be paid for
a period of six months, after their resignation, based on the terms listed
above in Section 6 COMPENSATION.

12. DEATH. Should SALES REP. die during the tenure of this agreement. It is
understood that the heirs shall have the right to continue receiving the
transaction fees as defined in Section 6 COMPENSATION, from the sales made
during the tenure of the SALES REP. The COMPANY reserves the right to purchase
all of the SALES REP. rights at any time after the agreement has been in
effect for two years. The purchase price shall be equal to four times SALES
REP. net income during the previous one-year time period.

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13. LITIGATION. In the event any transaction involving the COMPANY or SALES
REP. results in litigation or legal expense the COMPANY and the SALES REP.
shall share all expenses connected therewith in the same proportion as they
would normally share the commission resulting from such transaction if there
were no dispute or litigation. The SALES REP. shall fully cooperate with the
COMPANY with respect to any disputed matters. The COMPANY, in conjunction with
the SALES REP., may determine whether or not any litigation or dispute shall
be prosecuted, defended, compromised, or settled, the terms and conditions of
any such compromise or settlement, and whether or not legal expense shall be
incurred, provided, however, that no compromise or settlement requiring the
payment of money or anything of value by the SALES REP. shall be accepted by
the COMPANY without the written consent of the SALES REP. The COMPANY shall
have the right to select legal counsel, and the SALES REP. shall be required
to share the expenses of counsel selected by the COMPANY.

Where the dispute arises because of the SALES REP. misrepresenting the COMPANY
the SALES REP. is responsible in full for their own legal expenses.

If the SALES REP. and the COMPANY cannot agree on any of the above,
arbitration is available as indicated in Section 7 COMMISSION DISPUTES.

14. ENTIRE AGREEMENT. This Agreement shall be construed in accordance with
Wisconsin law, which shall prevail, and shall constitute the entire Agreement
between the parties. In witness whereof, David 0. Thomas, President of WHY USA
North America, Inc. and Dale A. Erks, the SALES REP. hereunder, have set their
hand and seal, as of this day and year first above written.

WHY USA North America, Incorporated             Regional Sales Director
/s/ David O. Thomas                             /s/ Dale A. Erks
David 0. Thomas, President                      Dale A. Erks

Regional Sales Director-DE                                        Page 6

                                         /s/ DOT
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