Document:

Self/help technologies
                                  Stock Option

To: Gina McGuiness

From: Self/help technologies
Subject: Stock Option

Beginning Date: September 8, 1998

Projects to be completed under Startup Equity Program .....

Stock Option Compensation .......................Option to purchase 5,000 shares
of Self/help technologies at $.01 per share to be vested at 1/12 each month for
12 months in exchange for project work or in addition to salary or contract
payments.

                              Terms and Conditions

The Company is offering a Stock Option Plan whereby certain professionals,
employees and consultants with specific skills required by the Company to
complete development and begin marketing of it's product will be given the
option to purchase shares in the Company. The cost to exercise each share will
be $.01. The amount of shares allocated to each employee will be based upon the
employee's experience, and the potential value of the employee's contribution to
the business. It should be clear to each employee that the option, and the
underlying stock of the Company has no market at this time, and for all
practical purposes has no value, and will continue to have no value until the
company creates a public market for it's stock.

The purpose of the Stock Option Plan is to provide an incentive to the employee,
and to insure the employee's confidentially. It is the intent of the Company to
complete a public offering as soon as revenues and profits reach an acceptable
level. The Company cannot guarantee that it will be successful in arranging for
a public offering within a reasonable time period, or at all. The conditions of
the market, failure on the part of the Company to reach it's goals and any
number of other factors may prevent the Company from securing funds to continue
operations. Should the Company fail in it's attempt to secure funds to continue
operations the stock in the Company will have no value and the Company may cease
operations.

The stock option offered to an employee will vest at the rate of 8.33% per month
over a period of 12 months. During this period the Company may terminate the
working relationship with the employee for any reason, or the individual may
cease work for any reason. At the time of termination the stock option will be
adjusted to reflect the total due the consultant for the weeks or partial weeks
he/she was associated with the Company. The option will be for a term of five
years. In exchange for the option, the employee agreeds to hold all information
regarding the Company's products and services confidential, and shall not
transmit any information regarding the Company's products, services and
operations to others whether in the form of written or verbal communications. In
addition, and shall not transmit any information regarding the Company's
products, services and operations to others whether in

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the form of written or verbal communications. In addition, the employee agrees
not to compete directly with the Company in any way for a period of nine months
from the time of seperation from the Company.

The capitalization of the Company is planned to develop as follows, although
there can be no assurance that this plan can be completed on time, or at all, or
that the total number of shares of the Company will be as stated. An increase in
the number of shares planned, if significant, would dilute the value of the
shares allocated to the employee. Market conditions, the progress of the Company
and other factors can and will affect the number of shares required to complete
the Company's financing. This stock option grant is based on the total shares of
the Company totaling 7.0 million shares prior to any financings by the Company
subsequent to January 1, 1999.

In the event the Company is sold the holders of stock will receive their
pro-rata share of the purchase.

The employee should consider that valuations placed on companies can vary
greatly depending upon the markets expectation of sales and profits at a point
in the future. Many factors can effect projections including competition,
interest rates, stock market conditions and a number of other factors. While the
Company has spent a great deal of time researching and developing it's business
plan and financial projections there can be no certainty that these projections
are in fact realistic, given the number of factors that can influence the
projections both negatively and positively.

The Company encourages the employee to seek professional advice regarding the
merits and terms and conditions of this plan and to fully investigate the
Company and the background of it's founder David R. Humble prior to agreeing to
this plan.

This offer to participate in the Company's Stock Option Plan represents the
entire offer and any other consideration for consulting work provided to the
Company must be in writing.

Accepted: /s/ Gina McGuiness                           Date 7/29/99 as of 9/8/98
          -------------------------------------------       --------------------

/s/ David Humble                                       Date 9/8/98
-----------------------------------------------------       ------
Self/help technologies

                                       2AGREEMENT AMONG SHAREHOLDERS AND COMPANY
                    ----------------------------------------

     THIS  AGREEMENT  (the "Agreement") is made the 8th day of June, 2000 by and
among  Jack  Marshall,  Lisa  Marshall  (collectively  referred  to  herein  as
"Shareholders"  and  individually  as a "Shareholder"), Intellect Capital Group,
LLC,  a  Delaware  limited  liability  company ("ICG")and PhotoLoft.com, Inc., a
Nevada  corporation (referred to herein as the "Company"), with reference to the
following  facts:

     Company is a corporation organized and existing under the laws of the State
of  Nevada,  and

WHEREAS,  ICG  and  the  Company  have  entered into that certain Stock Purchase
Agreement, dated as of April 7, 2000, (the "Purchaser Agreement") whereby, among
other  things,  ICG  is  purchasing  shares  of  Series B Preferred Stock of the
Company;  and

WHEREAS,  under  Section  6.4  of the Purchase Agreement, ICG, management of the
Company  and  certain  investors  in  the  Company  have  the right to designate
nominees  to  the Board of Directors of the Company (such designated nominees to
be  referred  to  herein  as  the  "Designees");  and

WHEREAS,  the  Shareholders shall receive substantial benefits from consummation
of  the  transactions  evidenced  by  the  Purchase  Agreement;

NOW, THEREFORE, in consideration of the premises and of the mutual covenants and
obligations hereinafter set forth and other good and valuable consideration, the
parties  hereto  agree  as  follows:

1.     Designees.  For so long as the Shareholders own shares of Common Stock or
       ---------
preferred  stock  of  the  Company:

     (A)     Each  Shareholder  agrees  to  vote  such  shares  in  favor of the
Designees  in  order  to  cause  their  election  to  the  Board  of  Directors.

     (B)     The  Company  agrees  to nominate the Designees for election to the
Board  of  Directors  of the Company and agrees to vote any shares over which it
has  control  of  the  voting  rights  in  favor  of  such  designees.

2.     Term.  In  addition to any other termination provisions of this Agreement
       ----
or  any  other termination provided by law, this Agreement shall terminate as to
the  parties  hereto  and all rights and obligations hereunder shall cease upon:

     (A)     The  unanimous  written  agreement  of  the  parties;  or

     (B)     Upon  the  adjudication of the Company as a bankrupt, the execution
by the Company of an assignment for the benefit of creditors, the appointment of
a  receiver  for  the  Company,  or  the  voluntary  dissolution of the Company.

<PAGE>
3.     Equitable  Remedies.  Each  party  hereto  recognizes and agrees that the
       -------------------
violation  of  any  term,  provision,  or  condition of this Agreement may cause
irreparable damage to the other parties which is difficult to ascertain and that
the  award of any sum of damages may not be adequate relief to such other party.
Each party therefore agrees that, in addition to all other remedies available in
the  event of any breach of this Agreement, any other party shall have the right
to  injunctive  relief.

4.     Documents.  The  parties  to  this  Agreement  and  the  executors  and
       ---------
administrators  of  a deceased party shall execute and deliver all necessary and
proper documents and instruments necessary or appropriate to carry out the terms
and  intent  of  this  Agreement.

5.     Notice.  Any  communications  required  or  permitted to be given or made
       ------
pursuant  to  this Agreement shall be in writing and either personally delivered
or  sent  by  registered mail, return receipt requested, postage prepaid, to the
parties at the addresses set forth in Section 10.5, except that the Shareholders
address  shall  be  the  same  as  the  Company's.

6.     Applicable  Law.  The  laws  of  the State of California shall govern the
       ---------------
validity,  interpretation,  and  enforcement  of  this  Agreement.

7.     Severability.  If  any  of  the  provisions  of  this  Agreement shall be
       ------------
unlawful,  void, or for any reason unenforceable, they shall be deemed separable
from  and  shall  in  no way affect the validity or enforcement of the remaining
provisions  of  this  Agreement.

8.     Amendment  - Revocation.  This Agreement may be amended or revoked by the
       -----------------------
written  agreement  of  the  parties  hereto.

     IN WITNESS WHEREOF, the parties have signed this Agreement this 8th day of
June  2000

                                          PHOTOLOFT.COM,  INC.

                                          /S/  Jack  Marshall
                                          ---------------------------
                                          Jack  Marshall,  Chairman  and  CEO
                                          SHAREHOLDERS

                                          /S/  Jack  Marshall
                                          ---------------------------
                                          Jack  Marshall

                                          /S/  Lisa  Marshall
                                          ---------------------------
                                          Lisa  Marshall

                                          INTELLECT  CAPITAL  GROUP,  LLC

                                          /S/  Terren  S.  Peizer
                                          ---------------------------
                                          Terren  S.  Peizer,
                                          Chairman  and  CEO

<PAGE>

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