Document:

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                                                                   EXHIBIT 10.6

                       AUTO & EQUIPMENT LEASING BY FLEX, INC.

                       7229 SOUTH 85TH EAST AVENUE, SUITE 100

                               TULSA, OKLAHOMA 74133

                                  EQUIPMENT LEASE

     AUTO EQUIPMENT LEASING BY FLEX, INC. (hereinafter called "Lessor") for
valuable consideration, the receipt of which is hereby acknowledged, hereby
leases to HEARTSOFT SOFTWARE, INC. AND BENJAMIN SHELL, 3101 N. HEMLOCK
CIRCLE, BROKEN ARROW, OK, (hereinafter called "Lessee"), the following
described property, in Schedule "A", attached hereto and made part of this
agreement (hereinafter called the "Equipment"), upon the following terms and
conditions:

     1.   Lessee agrees that the equipment shall be delivered to Lessee and
shall remain there, and not be removed by Lessee at any time during the term
of this lease without the prior written consent of Lessor.

     2.   The title to the aforesaid described property in Schedule "A" shall
remain in the Lessor, the Lessee having only the right to possession and the
use thereof during the term of this lease except as otherwise provided herein:

     3.   The lease of said property shall be for a term of 36 months on the
following basis:

             The sum of $4,575.00 shall be paid upon execution of this
             lease, as payment of the first month installment.  On the
             12th day of March  , 1998, and on the 12th day of each and
             every month during the term of this lease, the sum of
             $4,575.00 shall be paid.  Should Lessee make all the said
             monthly payments as required on or before the due date, with
             no default, then at the expiration of said term, the Lessee
             shall have the option to purchase the equipment for $500.00
             by notifying the Lessor of the same, not less than thirty
             (30) days prior to the expiration of the term of this lease.

     4.   Lessee promises and agrees to pay all specified lease installments
in advance on the date designated for the payment herein without demand.
Said lease installments shall be payable at the office of Lessor, or to such
other person and/or place as Lessor may from time to time designate in
writing.

     5.   EARLY TERMINATION AND DEFAULT.

          (a)  Provided the lease is not in default, and has been in effect a
minimum of six months, the lease may be terminated prior to its scheduled
termination by giving a 15-day written notice and purchases the equipment at
the purchase option.  Price set forth above under the term described below.

          (b)  The remaining amount owed is calculated by adding any past due
monthly payments and past due interest owed; any official fees and taxes
imposed in connection with

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lease termination and fixed monthly lease charges for the remaining schedule
lease term, discounted to rebate any unearned lease charges based on
actuarial method which will be figured taking into consideration depreciation
charges and total lease charges.

     6.   Lessor may inspect the equipment at any time; and Lessee agrees to
keep it is first class condition and repair at Lessee's expense and house the
same in suitable shelter; and not to sell or otherwise dispose of his
interest therein or in any equipment or accessories attached thereto.

     7.   Lessee assumes the entire risk of loss or damages to the equipment,
whether or not covered by insurance, and no such loss shall relieve the
Lessee of its obligations hereunder.  Lessee agrees to keep the equipment
insured to protect all interests of Lessor, at Lessee's expense against all
risks of loss or damage from any cause whatsoever for not less than the
unpaid balance of the lease payments due hereunder or the then current value
of said equipment, whichever is higher, and in addition shall purchase
insurance in an amount reasonable under the circumstances to cover the
liability of Lessor for public liability and property damage.  Said insurance
policies and the proceeds therefrom shall be the sole property of Lessor and
Lessor shall be named as an insured in all said policies and as sole loss
payee in the policies insuring the equipment.  The proceeds of such
insurance, whether resulting from loss or damage or return premium or
otherwise, shall be hereunder at the option of Lessor.

     8.   No title or right in said equipment shall pass to Lessee except the
rights herein expressly granted.  Plates or other markings will be affixed to
or placed on said equipment by Lessor or at Lessor's request, by Lessee at
Lessee's expense indicating that Lessor is the owner thereof and Lessee will
not remove the same.  Said equipment shall always remain and be deemed
personal property even though attached to realty.  All replacements,
accessories or capital improvements ________ placed in or upon said equipment
shall become a component part thereof and title thereto shall be immediately
vested in Lessor and shall be included under the terms hereof.  The Lessee
agrees that the Lessor is authorized, at its option, to file financing
statement(s) or amendments thereto without the signature of the Lessee with
respect to any or all of the leased property, or if a signature is required
by law, then the Lessee appoints Lessor as Lessee's attorney-in-fact to
execute any such financing statement(s) and further agrees to reimburse the
Lessor for the expense of any such filing(s).

     9.   LESSOR HAS NOT AND WILL NOT MAKE ANY REPRESENTATION, WARRANTY OR
COVENANT, EXPRESS OR IMPLIED ON WHICH LESSEE MAY RELY, WITH RESPECT TO THE
MERCHANTABILITY, FITNESS, CONDITION, DURABILITY OR SUITABILITY FOR LESSEE'S
PURPOSE OF THE EQUIPMENT IN ANY RESPECT, OR ANY OTHER REPRESENTATION,
WARRANTY OR COVENANT, EXPRESS OR IMPLIED, ALL OF WHICH ARE HEREBY EXPRESSLY
DISCLAIMED BY LESSOR. ALL EQUIPMENT SHALL BE ACCEPTED AND LEASED BY LESSEE
"WHERE IS, AS IS AND WITH ALL FAULTS" AND LESSOR SHALL NOT BE RESPONSIBLE FOR
ANY PATENT OR PATENT DEFECTS THEREIN OR ANY DAMAGES RESULTING THEREFROM.
LESSOR WILL, HOWEVER, TAKE ANY STEPS REASONABLY WITHIN ITS POWER TO MAKE
AVAILABLE TO LESSEE ANY MANUFACTURER'S OR SIMILR WARRANTY APPLICABLE TO THE
EQUIPMENT. IN ANY EVENT, LESSOR SHAL NOT BE LIABLE TO LESSEE FOR ANY
LIABILITY, LOSS OR DAMAGE, INCLUDING CONSEQUENTIAL OR INCIDENTAL DAMAGES,
CAUSED OR ALLEGED TO BE CAUSED, DIRECTLY OR INDIRECTLY, BY THE EQUIPMENT, OR
ANY INADEQUACY THEREOF, OR

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DEFICIENCY OR DEFECT THEREIN, OR BY ANY INCIDENT WHATSOEVER IN CONNECTION
THEREWITH.

     10.  Lessee shall not assign, mortgage or hypothecate this lease or any
interest herein or sublet said equipment without the prior written consent of
the Lessor.  Any assignment, mortgage, hypothecation or sublease by Lessee
without such consent shall be void.

     11.  Lessee agrees to us, operate and maintain said equipment in
accordance with all laws; to pay all licensing or operating fees for said
equipment; to keep the same free of levies, liens and encumbrances; to show
the equipment as "leased equipment" on Lessee's personal property tax
returns; to pay Lessor a sum equal to all personal property taxes assessed
against the equipment, which sum Lessor shall remit to the taxing authority,
to pay all other taxes, assessments, fees and penalties, which may be levied
or assessed on or in respect to said equipment or its use or any interest
therein, or lease payments thereon, including but not limited to all federal,
state and local taxes, however, designated, levied or assessed upon the
Lessee and Lessor or either of them or said equipment, or upon the sale,
ownership, use or operation thereof. Lessor may pay such taxes and other
amounts and may file such returns on behalf of Lessee if Lessee fails to do
so as herein provided. On written request from Lessor, Lessee agrees to
reimburse Lessor for reasonable costs incurred in collecting any taxes,
assessments or fees for which Lessee is liable hereunder and remitting the
same to the appropriate authorities.

     12.  In the event the Lessee shall default in the payment of any lease
payments, additional lease payments, or any other sums due hereunder for a
period of ten 910) days, or in the event of any default of breach of terms
and conditions of this lease, or any other lease between the parties hereto,
or if any execution or process shall be issued in any action or proceeding
against the Lessee, whereby the said equipment may be taken or distrained, or
if a proceeding in bankruptcy, receivership or insolvency shall be instituted
by or against the Lessee or its property, or if the Lessee shall enter into
any agreement or composition with its creditors, breach any of the terms of
any loan or credit agreement, or default thereunder or if the condition of
the Lessee's affairs shall so change as to, in the Lessor's opinion, impair
the Lessor's security or increase the credit risk involved, then and in that
event the Lessor shall have the right to (1) retake immediate possession of
its equipment without any Court Order or other process of law and for such
purpose the Lessor may enter the same therefrom with or without notice of its
intention to do same, without being liable to any suit or action or other
proceedings by the Lessee. Lessor may, at its option, sell the equipment at
public or private sale for cash or on credit and may become the purchaser at
such sale. The Lessee shall be liable for arrears or lease payments hereunder
and under any other lease between the parties, if any; for any other charges
due from Lessee hereunder and under any other lease between the parties, for
expense of retaking possession, and the removal of the equipment, and court
costs, in addition to the balance of the lease payments provided for herein,
or in any lease payment hereof, as well as for the balance of lease payments
due and to become due under any other lease between the parties, less the net
proceeds of the sale of said equipment, after deducting all costs of taking,
storage, repair and sale; and/or (2) accelerate the balance of lease pyments
payable hereunder and under any other lease between the parties, thereby
requiring prepayment of this lease and any other lease between the parties
with all such lease payments and charges due and payable forthwith upon such
notice of acceleration and demand for payment, the Lessee nevertheless
remaining and being liable for the return of the equipment and any loss or
destruction of, or injury to, the equipment in the same manner as herein
provided.  The foregoing rights shall be in addition to and in limitation of
the

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rights of a Secured Party, as set forth in the Uniform Commercial Code of
the applicable jurisdiction. Should Lessee fail to make such payment after
this notice and demand, Lessor shall be entitled to institute appropriate
legal proceedings against Lessee with the Lessee being responsible for said
lease payments, charges, expenses and attorney fees, if allowed by law. In
the event the Lessor shall exercise any of its rights as above set forth,
Lessee shall be obligated to pay, as interest, a sum equal to
[THERE MAY BE A PAGE MISSING]        under any other lease in default by
reason hereof or otherwise, or until all arrears of lease payments are
satisfied, provided said interest payments are allowed by law, and if not
allowed by law, the maximum rate of interest permissible in the applicable
jurisdiction. The rights granted the Lessor herein shall be cumulative and an
action upon one shall not be deemed to constitute an election or waiver of
the other right of action to which Lessor may be entitled.  All sums as
hereinabove stated shall become immediately due and payable to be construed
as liquidated damages rather than a penalty provision.  Lessee hereby waivers
trial by jury.

     14.  The omission by the Lessor at any time to enforce any default or
right reserved to it, or to require performance of any of the terms,
covenants or provisions hereof by the Lessee at any time designated, shall
not be a waiver of any such default or right to which the Lessee is entitled,
nor shall it in any way affect the right of the Lessor to enforce such
provisions thereafter. The Lessor may exercise all remedies simultaneously,
pursuant to the terms hereof, and any such action shall not operate to
release the Lessee until the full amount of the lease payments due and to
become due and all other sums to be paid hereunder have been paid.

     15.  If the Lessee does not exercise its option to purchase the
equipment as provided in number three above, the Lessee shall return the
equipment, freight prepaid to Lessor, at the end of the term hereof, at the
place from which the equipment was shipped, in as good condition as exists at
the commencement of the term, reasonable wear and tear in respect thereto
accepted.

     WITNESS our hands and seals this 12th day of February, 1998.

AUTO & EQUIPMENT LEASING BY FLEX, INC.  BY:  /s/ authorized representative
--------------------------------------           -------------------------
     LESSOR

HEARTSOFT SOFTWARE, INC.                BY:  /s/ Benjamin Shell
------------------------                     -----------------------------

BENJAMIN SHELL                          BY:  /s/ Benjamin Shell
--------------                               -----------------------------

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EQUIPMENT                                                       Date: 2/12/98
SCHEDULE "A"

The Equipment Schedule "A" is to be attached to and become part of that
Equipment Lease by and between the undersigned lessee and Auto & Equipment
Leasing by Flex, Inc., Tulsa, OK dated:

<TABLE>
<CAPTION>

 QUANTITY    MODEL NUMBER        EQUIPMENT DESCRIPTION
 <S>         <C>          <C>
    1                     486 SX66Mhz PC w/240 MB Hard Drive, 8MB RAM,
                          15" SVGA Monitor, 2 Multiplexer Cards, 2 SVGA
                          Graphics Cards, Controller Card, CD
    1                     486 DX 120Mhz w/1.3G Hard Drive, 32 MB RAM, Triple
                          CD Changer, 17" Color Monitor
    1                     Hewlett Packard 4L Laser Printer
    5                     Discourse Technologies Studycom Concentrator
   20                     Discourse Technologies Studycom Student
                          Workstations
    1                     Magnavox 2 Head VCR
    3                     AT&T 3-Line Phones
    1                     Norstar Meridan 616 KSU w/4 Norstar M7208 Phones
    1                     Apple Macintosh Performa 630CD Computer
    1                     Apple Macintosh Performa 630CD Computer
    1                     Apple Laserwriter Select 360 Laser Printer
    1                     Apple Computer Speakers
    3                     Global Village 28.8 v.34 Data/Fax Modem
    4                     Oak Bookcases
    2                     Oak Desks
    1                     Oak 2 Drawer File Cabinet
    1                     Oak Printer Stand
    1                     Oak Conference Table
    4                     Oak Chairs
    1                     Oak Side Table
   20                     Black Stack Chairs
    6                     6' Folding Tables
    2                     Chair Mats
    1                     Executive Chair
    1                     Oak Executive Desk
   10                     8' Tables
</TABLE>

This Equipment Schedule "A" is hereby verified as correct by the undersigned
Lessee, who acknowledges receipt of a copy.

Lessor:                                      Lessee:

Auto & Equipment Leasing by Flex, Inc.       Heartsoft Software, inc.

--------------------------------------       -----------------------------------
Signature                                    Signature:  Benjamin Shell, CEO<PAGE>

                                                                    EXHIBIT 10.7

                                ACKNOWLEDGMENT

TO:         Capital Vision Inc.
AND TO:     Heartsoft 1997 Limited Partnership

RE:         Proceeds from sale of HEARTSOFT K-8 LIBRARY (THE "SOFTWARE")
AND RE:     Sale of units (the "Units") in Heartsoft 1997 Limited Partnership
            (the "Partnership")

--------------------------------------------------------------------------------

      REFERENCE IS MADE TO A SOFTWARE  ACQUISITION AGREEMENT (THE "SOFTWARE
AGREEMENT") DATED MAY 16, 1997, BETWEEN THE PARTNERSHIP AND THE UNDERSIGNED.

      The undersigned hereby irrevocably agrees and acknowledges that
notwithstanding the closing of the sale of Units and the terms of the Software
Agreement which contemplates a purchase price of CDN$1,750,000, in the event
that any remaining Units in the Partnership are not subscribed for, the purchase
price for the Software and the Acquisition Note shall each be reduced PRO RATA.

      EXECUTED at Tulsa, Oklahoma, the _____ day of May, 1997.

                                          HEARTSOFT INC.

                                    Per:  /s/ Benjamin Shell
                                          --------------------------------------
                                          Name: Benjamin Shell
                                          Title:  CEO

<PAGE>
                              SOFTWARE AGREEMENT

THIS AGREEMENT made as of the 16th day of May, 1997

BETWEEN:

            HEARTSOFT INC., a Delaware corporation (hereinafter referred to as
            "Heartsoft")

                                                      OF THE FIRST PART

                                        -and-

            HEARTSOFT 1997 LIMITED PARTNERSHIP, an Ontario limited partnership
            (hereinafter referred to as the "Partnership")

                                                      OF THE SECOND PART

WHEREAS Heartsoft is the exclusive owner of the HEARTSOFT K-8 LIBRARY, a set
of 50 educational software application programs;

AND WHEREAS the Partnership wishes to purchase and Heartsoft wishes to sell
an undivided 15% interest, in perpetuity, in and to the HEARTSOFT K-8 LIBRARY
(such 15% undivided interest hereinafter referred to as the "Computer
Programs");

AND WHEREAS in partial payment of the purchase price for the Computer
Programs, the Partnership intends to execute and deliver to Heartsoft the
Acquisition Note;

AND WHEREAS Heartsoft and the Partnership have agreed to form a joint venture
for the purposes of marketing and exploiting the Computer Programs throughout
the world;

NOW THEREFORE in consideration of the sum of one dollar ($1.00), and other
good consideration, now paid by each of the parties hereto to the other (the
receipt and sufficiency of which is hereby acknowledged), the parties hereto
hereby covenant and agree as follows:

1.    DEFINITIONS

1.01  For the purpose of this Agreement, the following terms shall be deemed
to have the following meanings:

"Acquisition Note" means the promissory note given by the Partnership to
Heartsoft pursuant to section 2.02 of this agreement, in the form attached as
Appendix "A" hereto;

"Affiliate" has the meaning ascribed thereto in the SECURITIES ACT (Ontario);

<PAGE>

"Associate" has the meaning ascribed thereto in the SECURITIES ACT (Ontario)
and also includes any person who does not deal at arm's length (as that term
is defined in the INCOME TAX ACT (Canada)) with such associate;

"Bank" means a chartered bank with offices in Tulsa, Oklahoma, as selected
from time to time by the Executive Committee;

"Closing" means the closing of the sale of the Computer Programs, expected to
take place on or about May 16, 1997;

"Computer Programs" means an undivided 15% interest, in perpetuity, in and to
the HEARTSOFT K-8 LIBRARY, a set of 50 educational software application
programs, as more particularly described in Appendix "B" hereto, together
with all Enhancements, Derivative Works and Maintenance Modifications;

"Derivative Work" means a work that (a) is derived from the Computer Programs
or any part thereof, including revisions, modifications, translations,
abridgments, condensations, expansions and any other form in which the
Computer Programs may be duplicated, recast, transformed or adapted, (b) is
created or completed by the Partnership, Heartsoft or any Associate of any of
them, and (c) would, if prepared without authorization from the owner of the
copyright in the Computer Programs, constitute an infringement of copyright;

"Enhancement" means any enhancement, modification, addition or update of the
Computer Programs, made by or on behalf of Heartsoft or the Partnership, and
which accomplish incidental, performance, structural or functional
improvements to the Computer Programs;

"Executive Committee" means the executive committee of the Joint Venture, as
selected by Heartsoft and the Partnership in accordance with the terms of
this agreement.

"General Partner" means CVI LP Management Inc., the general partner of the
Partnership, and any replacement general partner of the Partnership;

"Joint Venture" means the joint venture between the Partnership and Heartsoft
to market and exploit the Computer Programs throughout the world;

"Joint Venture Agreement" means the joint venture agreement entered into as
of May 16, 1997 between the Partnership and Heartsoft;

"Losses" means any and all loss, damage, claim, demand, deficiency, cost and
expense, including interest, compound interest and legal fees on a solicitor
and his or her own client basis;

"Maintenance Modifications" means modifications, updates or revisions made by
Heartsoft to the Computer Programs which correct efforts, support new
releases of operating systems or support new models of the Computer Programs;

<PAGE>

"Partnership" means Heartsoft 1997 Limited Partnership, a limited partnership
formed under the laws of the Province of Ontario;

"Purchase Price" means the purchase price paid by the Partnership to
Heartsoft for the Computer Programs, as determined in accordance with section
2.02 of this agreement;

2.    AGREEMENTS OF PURCHASE AND SALE

2.01  In consideration of the payment of the Purchase Price, and of the
fulfillment of the other obligations of the Partnership hereunder, Heartsoft
hereby sells, assigns and transfers all right, title and interest in and to
the Computer Programs to the Partnership in perpetuity.

2.02  The Purchase Price for the Computer Programs shall be $1,750,000 (one
million seven hundred fifty thousand dollars), payable by the Partnership to
Heartsoft as follows:

      (a)   as to $525,000 (five hundred twenty five thousand dollars), by
            certified cheques in two installments of $262,500 each, the first of
            at Closing and the second on May 30, 1998; and

      (b)   as to $1,225,000 (one million two hundred twenty five thousand
            dollars), by way of execution and delivery of the Acquisition Note.

2.03  Upon execution of this agreement, Heartsoft shall deliver to the
Partnership four complete copies of the source code of the Computer Programs, of
which:

      (a)   two shall be in machine readable form on a machine readable storage
            medium suitable for long-term storage and compatible with either
            Macintosh or IBM PC computer systems; and

      (b)   two shall be in human readable form with annotations in the English
            language on bond paper suitable for long-term archival storage.

3.    PROTECTION, MAINTENANCE AND ENHANCEMENT

3.01  Heartsoft shall develop, regenerate and continuously update the
Computer Programs in order to maintain the commercial competitiveness and
effective operation of the Computer Programs.

3.02  The parties hereto acknowledge that the Computer Programs contain
valuable proprietary trading information, and each party hereto shall not
disclose to any other person the source codes of the Computer Programs nor
any other information concerning the Computer Programs without the written
consent of all of the parties hereto.

3.03  Heartsoft hereby acknowledges that all Maintenance Modifications,
Enhancements and Derivative Works shall be considered part of the Computer
Programs and shall become and remain the sole and exclusive property of the
Partnership.

<PAGE>

4.    REPRESENTATIONS AND WARRANTIES

4.01  Heartsoft hereby represents and warrants to the Partnership that the
following representations and warranties are true and correct as of the date
hereof, and acknowledges that the Partnership is relying on such
representations and warranties in connection with the performance of its
obligations under this agreement:

      (a)   Heartsoft is a corporation duly incorporated, organized and validly
            subsisting under the laws of the State of Delaware;

      (b)   This agreement constitutes a valid and binding obligation of
            Heartsoft, enforceable against it in accordance with its terms, and
            each of the instruments and documents necessary to give effect to
            the transactions contemplated herein will, when executed and
            delivered, constitute a valid and binding obligation of Heartsoft,
            enforceable against it in accordance with its terms;

      (c)   The entering into of this agreement and the consummation of the
            transactions contemplated herein have not resulted and will not
            result in the violation of or default under any of the terms and
            provisions of any trust deed, hypothecation, indenture, mortgage,
            lease, agreement, written or oral, license or pen-nit to which
            Heartsoft is a party or by which it may be bound;

      (d)   The entering into of this agreement and the consummation of the
            transactions contemplated herein will not result in the violation of
            any statute, regulation, judgment, decree or law to which Heartsoft
            may be subject, or any applicable order of any court, arbitrator or
            government authority having jurisdiction over Heartsoft or its
            property;

      (e)   Heartsoft is not materially in default or breach of any contract,
            agreement, lease or other instrument to which it is a party or by
            which it may be bound, nor is Heartsoft aware of any state of facts
            which after notice or the passage of time, or both, would constitute
            such a material default or breach;

      (f)   The Computer Programs are an original work of Heartsoft, and
            Heartsoft has exclusive right, title and interest in and to and is
            the sole owner of the Computer Programs;

      (g)   Heartsoft has the full right to sell, transfer and assign the
            Computer Programs in the manner contemplated in this agreement and
            without any restriction, encumbrance, lien, security interest
            attaching thereto;

      (h)   Heartsoft has not granted, transferred, licensed or assigned any
            right or interest in or to the Computer Programs to any other
            person, and there are no contracts, agreements, licenses or other
            commitments or arrangements in effect with respect to the Computer
            Programs which might or could permit the manufacture,

<PAGE>

            marketing distribution or other exploitation or use of the Computer
            Programs by any other person;

      (i)   The execution and delivery of this agreement, the transfer of the
            Computer Programs to the Partnership and the use of the Computer
            Programs by the Partnership and Heartsoft as contemplated in this
            agreement has not and will not result in the infringement of any
            copyright, trademark, trade secret, intellectual property right or
            any other proprietary rights of any other person; and

      (j)   The Computer Programs have been prepared in a workmanlike manner and
            with professional diligence and skill, will function efficiently in
            the machines and with operating systems for which they are designed,
            are free from defect, deficiency, design flaw or bug of any nature
            and will otherwise be wholly suitable for the purpose for which the
            Partnership intends to use them and for which they have been
            designed.

4.02  The representations and warranties set out in section 4.01 above shall
survive and continue in full force and effect for the benefit of the
Partnership until ten years after the expiration or termination of this
agreement, including all amendments, extensions and renewals thereof.

4.03  No claim by the Partnership for breach of representation or warranty by
Heartsoft shall be valid unless Heartsoft has been given notice thereof
before the date on which the representation or warranty shall have terminated
in accordance with section 4.02 above.

4.04  The Partnership hereby represents and warrants to Heartsoft that the
following representations and warranties are true and correct as of the date
hereof, and acknowledges that Heartsoft is relying on such representations
and warranties in connection with the performance of its obligations under
this agreement:

      (a)   The Partnership is a limited partnership duly registered and in good
            standing in the Province of Ontario;

      (b)   This agreement constitutes a valid and binding obligation of the
            Partnership, enforceable against it in accordance with its terms,
            and each of the instruments and documents necessary to give effect
            to the transactions contemplated herein will, when executed and
            delivered by the Partnership, constitute a valid and binding
            obligation of the Partnership, enforceable against it in accordance
            with its terms;

      (c)   The entering into of this agreement and the consummation of the
            transactions contemplated herein have not resulted and will not
            result in the violation of or default under any of the terms and
            provisions of any trust deed, hypothecation, indenture, mortgage,
            lease, agreement, written or oral, license or permit to which the
            Partnership is a party or by which it may be bound;

<PAGE>

      (d)   The entering into of this agreement and the consummation of the
            transactions contemplated herein will not result in the violation of
            any statute, regulation, judgment, decree or law to which the
            Partnership may be subject, or any applicable order of any court,
            arbitrator or government authority having jurisdiction over the
            Partnership or its property;

      (e)   The Partnership is not materially in default or breach of any
            contract, agreement, lease or other instrument to which it is a
            party or by which it may be bound, nor is it aware of any state of
            facts which after notice or the passage of time, or both, would
            constitute such a material default or breach; and

      (f)   The Partnership has taken all such steps and done all such things as
            may be necessary in order to allow the Partnership to carry out the
            joint venture agreed to herein, including but not limited to
            obtaining all such licenses, registrations, authorizations and
            permits necessary to carry on business in and from Ontario.

4.05  The representations and warranties set out in section 4.04 above shall
survive and continue in full force and effect for the benefit of Heartsoft
until ten years after the expiry or termination of this agreement, including
all amendments, extensions and renewals thereof.

4.06  No claim by Heartsoft for breach of representation or warranty by the
Partnership shall be valid unless the Partnership has been given notice
thereof before the date on which the representation or warranty shall have
terminated in accordance with section 4.05 above.

5.    INDEMNIFICATION

5.01  The general indemnifications set out in this section are in addition to
any specific obligation of either of the parties hereto to indemnify the
other hereunder.

5.02  Heartsoft shall indemnify and save harmless the Partnership for and
from and against any Losses suffered by it as a result of any inaccuracy in
or breach of any representation or warranty by Heartsoft, or the failure of
Heartsoft to fulfill any condition or perform any covenant as provided herein
or in the Joint Venture Agreement.

5.03  The Partnership shall indemnify and save harmless Heartsoft for, from
and against any Losses suffered by it as a result of any inaccuracy in or
breach of any representation or warranty by the Partnership or the failure of
the Partnership to perform any covenant as provided herein.

5.04  Notwithstanding anything else in this section, each of the parties
hereto shall have an obligation to mitigate any Losses which are the subject
of a claim for indemnification.

6.    TERMINATION

6.01  Notwithstanding any other term of this agreement, the Partnership may,
but is not obligated to, terminate this agreement upon 30 days written notice
in the event that:

<PAGE>

      (a)   Heartsoft becomes bankrupt or insolvent or makes an assignment for
            the benefit of its creditors;

      (b)   Heartsoft takes steps to wind-up, dissolve or liquidate, except for
            internal corporate reorganizations, mergers or shareholder
            reorganizations;

      (c)   If a trustee, receiver, receiver and manager or other Custodian is
            appointed with respect to the assets or undertaking of Heartsoft; or

      (d)   There is a material breach of a material term of the Software
            Agreement by Heartsoft.

6.02  On or after January 1, 1999, but subject to section 6.03 of this
agreement, Heartsoft may, but is not obligated to, terminate this agreement
upon 30 days written notice to the Partnership.

6.03  In the event that Heartsoft elects to terminate this agreement in
accordance with section 6.02 of this agreement, Heartsoft and the Partnership
shall negotiate, in good faith, a price at which the Partnership's interest
in the Computer Programs shall be acquired by Heartsoft. In the event that
Heartsoft and the Partnership cannot in good faith determine that price
within 30 days, then an independent appraiser shall be retained to determine
the price, and the cost of such appraisal shall be borne equally by Heartsoft
and the Partnership.

7.    NOTICE

7.01  Any notice, direction or other instrument required or permitted to be
given pursuant to this agreement shall be in writing and may be given by
delivering the same or sending the same by prepaid first-class mail or by
telecopier to the appropriate party as follows:

      (a)         To Heartsoft:

                        3101 North Hemlock Circle
                        Broken Arrow, Oklahoma
                        74012

                        Attention: Bryan Reusser
                        Fax: 918-251-4018

      (b)         The Partnership:

                        c/o CVI LP Management Inc.
                        225 Richmond Street West
                        Suite 400
                        Toronto, Ontario
                        M5V IW2

                        Attention: Greg Coleman
                        Fax: 416-593-6157

<PAGE>

7.02  Any such notice, direction or other instrument, if delivered, shall be
deemed to have been given on the date on which it was delivered and, if sent
by mail, shall be deemed to have been given on the seventh (7th) business day
following the date of mailing and, if transmitted by telecopier, shall be
deemed to have been given at the opening of business in the office of the
addressee on the business day next following the transmission thereof.

7.03  Any party hereto may change its address for service or telecopier
number from time to time by notice given to the other parties hereto in
accordance with the foregoing.

8.    FURTHER ASSURANCES AND ACTIONS

8.01  Each of the parties hereto shall sign and deliver such further and
other documents, instruments, notices and papers and do and perform and cause
to be done and performed such further and other acts and things as may be
necessary or desirable in order to give full effect to the purpose and intent
of this agreement and all ancillary agreements relating to the transactions
contemplated herein.

9.    GENERAL MATTERS

9.01  Unless otherwise expressly stated, all dollar amounts referred to in
this agreement are expressed and shall be payable in Canadian dollars.

9.02  In this agreement, unless the context otherwise requires, words
importing number include the singular and plural, words importing gender
include all genders, and words importing persons shall include firms,
corporations, trusts, estates, government agencies and departments and all
other types of entities, and vice versa.

9.03  In this agreement, any reference to "generally accepted accounting
principles" mean the principles established in and amended from time to time
by the Handbook of the Canadian Institute of Chartered Accountants.

9.04  Each of the provisions contained in this agreement is distinct and
several and a declaration of invalidity of unenforceability of one or mom
provisions of this agreement by any court of competent jurisdiction, shall
not effect the validity or enforceability of any other provision hereof.

9.05  This agreement constitutes the entire agreement between the parties
pertaining to the transaction contemplated herein and supersedes all prior
agreements and there are no other warranties, representations or agreements
between the panics in connection with the transactions contemplated herein.

<PAGE>

9.06  This agreement shall be governed by and interpreted in accordance with
the laws of the Province of Ontario and the laws of Canada as applicable
therein. Each of the parties hereto irrevocably attorns and submits to the
jurisdiction of the courts of the Province of Ontario.

9.07  Headings used in this agreement are for convenience of reference only
and do not form a part of this agreement, nor are they intended to interpret,
define or limit the scope, extent or intent of this agreement or any
provision hereof.

9.08  Any reference in this agreement to a statute shall include and shall be
deemed to be a reference to such statute and the regulations made pursuant
thereto, with amendments made thereto and in force from time to time, and to
any statute or regulation that may be passed which has the effect of
supplementing or superseding the statute so referred to or the regulations
made pursuant thereto.

9.09  Any reference in this agreement to my entity shall include and shall be
deemed to be a reference to any entity that is a successor to such entity.

9.10  Time shall be of the essence in this agreement.

9.11  This agreement may be executed in two (2) or more counterparts, each of
which shall be deemed to be an original and all of which together shall
constitute one and the same agreement.

9.12  This agreement shall enure to the benefit of and be binding upon the
parties hereto and their respective heirs, legal personal representatives,
successors and assigns, but shall not be assignable by any party hereto
without the written consent of the other parties hereto.

9.13  No waiver of any provision of this agreement shall constitute a waiver
of any other provision nor shall any waiver of any provision of this
agreement constitute a continuing waiver unless otherwise expressly provided.

EXECUTED at Toronto this 16th day of May, 1997

                                    HEARTSOFT INC.

                              Per:  /s/ Benjamin P. Shell
                                    --------------------------------------------
                                    Benjamin P. Shell - Chief Executive Officer

                              HEARTSOFT 1997 LIMITED PARTNERSHIP, BY ITS GENERAL
                              PARTNER, CVI LP MANAGEMENT INC.

                              Per:  /s/ Greg Coleman
                                    --------------------------------------------
                                    Greg Coleman - President

<PAGE>

                                    APPENDIX "A"

                                  ACQUISITION NOTE

May 16, 1997
Toronto, Ontario

MATURITY DATE: May 1, 2007

FOR VALUE RECEIVED, the undersigned (the "Maker") acknowledges itself
indebted to and promises to pay to Heartsoft Inc. (the "Holder") on the dates
specified below at 225 Richmond Street West, Suite 400, Toronto, Ontario, M5V
I W2 (or at such other place as the Holder may from time to time designate in
writing to the Maker), the principal sum of $1,225,000 (one million two
hundred twenty five thousand dollars) (the "Principal Sum") in lawful money
of Canada, together with interest thereon as set forth herein.

The Principal Sum plus all accrued and unpaid interest thereon shall be due
and payable by the Maker to the Holder in full on May 1, 2007.

The Principal Sum from time to time outstanding shall bear interest from and
after the date hereof at the rate of five percent (5%) per annum, payable in
U.S. dollars, compounded annually both before and after demand, default,
maturity and judgment with interest on overdue principal and interests at the
same rate until the date of payment in full. The Maker shall pay all accrued
and unpaid interest on the principal amount outstanding from time to time,
annually, in arrears, on or before January 30 of each year.

In the event that the Maker defaults in payment of any sum due hereunder, and
fails to correct that default within 30 days of receiving written notice from
the Holder, the Principal Sum then outstanding together with accrued but
unpaid interest may, at the Holder's option, be accelerated and immediately
become due and payable in full, with interest thereon from such date at the
rate as specified herein.

So long as the Maker is not in default in the making of any payment due
hereunder, it shall have the right to prepay at any time and from time to
time all or any part of the Principal Sum then outstanding, and any interest
thereon, without notice, bonus or penalty, provided that the right of the
Maker to make any such prepayments shall be conditional upon payment by the
Maker to the Holder of all accrued and unpaid interest owing in respect of
the Principal Sum to the date of any such prepayment.

The provisions of this promissory note shall enure to the benefit of the
Holder (who may not transfer, assign, pledge or otherwise encumber this
promissory note without the express written consent of the Maker, which
consent may be unreasonably withheld) and shall be binding upon the Maker and
its successors and assigns. The Maker hereby waives presentment, protest,
demand, notice of protest and notice of dishonor of this promissory note and
expressly agrees that this promissory note and any payment due hereunder may
be extended from time to time by the Holder without in any way affecting the
liability of the Maker.

<PAGE>

The Maker agrees to pay to the Holder 100% of Gross Receipts, as defined in
the offering memorandum of the Maker dated March 15, 1997 (the "Offering
Memorandum"), on an annual basis, until all of the interest owing under this
promissory note is paid in fall, and to pay to the Holder 44% of
Distributable Cash (as defined in the Offering Memorandum) until all
principal owing under this promissory note has been paid in full.

This promissory note is issued by the Maker and accepted by the Holder as
partial payment of the consideration due under a software agreement dated May
16, 1997 between the Maker and the Holder, and this promissory note is
subject to the terms and conditions of that agreement.

This promissory note shall be governed by and construed in accordance with
the laws of the Province of Ontario and the laws of Canada applicable therein.

EXECUTED at Toronto, Ontario this 27th day of August, 1997.

                                    HEARTSOFT III LIMITED  PARTNERSHIP, BY ITS
                                    GENERAL PARTNER, CVI LP MANAGEMENT INC.

                                    Per:  /s/ Greg Coleman
                                          --------------------------------------
                                          Greg Coleman - President

<PAGE>

                                    APPENDIX "B"

                                 COMPUTER PROGRAMS

1.    Billiards n' Homonyms
2.    Billiards n' Homonyms - Spanish Version
3.    Billiards n' Antonyms
4.    Billiards n' Synonyms
5.    Bubblegum Machine
6.    Bubblegum Machine - Spanish Version
7.    Coin Changer
8.    Coin Changer - Spanish Version
9.    Electric Coloring Book
10.   Electric Coloring Book - Spanish Version
11.   Electric Math Chalkboard
12.   Electric Math Chalkboard - Spanish Version
13.   Great American States Race
14.   Great American States Race - Spanish Version
15.   Knowing English (2 titles)
16.   Memory Master
17.   Memory Master - Spanish Version
18.   Reading Comprehension
19.   Reading Rodeo
20.   Reading Rodeo - Spanish Version
21.   Skill Builders Series (16 titles) - English, Health, Science & Social
      Studies
22.   Sleuth Master
23.   Sleuth Master - Spanish Version
24.   Spelling Book (5 titles)
25.   Spinner's Choice
26.   Spinner's Choice - Spanish Version
27.   Tommy the Time Turtle
28.   Tommy the Time Turtle - Spanish Version
29.   Word Capture
30.   Word Capture - Spanish Version

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