Document:

SUBLEASE

                                     from

                         METATEC INTERNATIONAL CORP.

                                      to

                         WHY USA NORTH AMERICA, INC.

          Northlake Building, Highway 12 West, Menomonie, Wisconsin

                               January 31, 2000

                                   SUBLEASE

     This sublease is made on Feb. 01, 2000 between Metatec International
Corp., an Ohio corporation, with a principle office at 7001 Metatec Boulevard,
Dublin, Ohio 43017 ("Sublessor"), and WHY USA North America Inc., a(n) real
estate brokerage and telemarketing firm,Whose address is 1421 N. Broadway,
Suite 108, Menomonie, Wisconsin 54751 ("Sublessee"), who hereby agree as
follows:

<PAGE>                                1

     Section 1. Sublease of Premises. On the terms and subject to the
conditions described in this agreement, Sublessor hereby subleases to
Sublessee, and Sublessee hereby subleases from Sublessor the approximate 6,000
square feet of space, as outlined on the attached Exhibit A (the "Premises"),
located in the building known as the Northlake Building on Highway 12 West,
City of Menomonie, County of Dunn, State of Wisconsin, together with the
appurtenances thereto.

     Sublessor leases the Building pursuant to that certain lease (the "Base
Lease") dated is of September 24, 1998, between Sublessor "Tenant", and
Douglas A. Larson, as "Landlord," a copy of which is attached hereto as
Exhibit B. Tenant acknowledges that all provisions of this sublease are
subject to the provisions of the Base Lease. Except as expressly provided in
this sublease, Subleasee shall comply with all terms and conditions of the
Base Lease as if Subleasee were the tenant under such Base Lease and Sublessor
were the landlord.

     Section 2. Term. The term of this sublease shall commence on Feb 1, 2000
(the "Commencement Date") and shall continue in accordance with the term of
the Base Lease; provided, however, that Sublessor shall reserve the right
under Section 17 of the Base Lease to exercise its option to terminate the
Base Lease early, in which event this sublease shall so terminate.

     Section 3. Rent. The annual rent payable by Sublessee to Sublessor shall
be $30,000, payable in equal monthly installments in the  amount of $2,500, in
advance, on the first day of every month, commencing on the Commencement Date,
at the address of Sublessor set forth above or at such other place as
Sublessor may designate by notice to Sublessee from time to time. If the
Commencement Date is not the first day of a calendar month, Sublessee's rent
for the first and last months of the term shall be prorated on a daily basis.
In the event that rent is not paid by the first day of every month, Sublessee
shall be charged a late charge in the amount of $125.

     Section 4. Security Deposit. Upon execution of this sublease, Sublessee
has deposited with Sublessor the sum of $2,500, as a security deposit, receipt
of which is hereby acknowledged by Sublessor. Such security deposit shall be
held by Sublessor, without liability for interest, as security for the
faithful performance by Sublessee of all the terms, covenants, and conditions
of this sublease to be kept and performed by Sublessee. If at any time during
the term of this sublease any of the rent herein reserved shall be overdue and
unpaid, or any other sum payable by Sublessee to Sublessor hereunder shall be
overdue and unpaid, then Sublessor may, at the its option, appropriate and
apply any portion of such security deposit to the payment of any such overdue
rent or other sum and require Sublessee to pay to Sublessor the amount so
applied so that the security deposit will at all times be in the amount set
forth above.

     Section 5. Use of Premises. Sublessee shall use the Premises for Real
estate and Telemarketing and uses incidental thereto, and shall not permit the
Premises to be used for any other purpose without first obtaining Sublessor's
express written consent to that specific use. Sublessee shall occupy and use
the Premises only in a careful, safe, and proper manner and shall not commit
or permit any waste of or on the Premises.

<PAGE>                                2

     Section 6. Condition of Premises. Sublessor has made no representation or
warranty, express or implied, with respect to the condition of the Premises or
the fitness of the Premises for any particular use. Sublessee acknowledges
that it has fully investigated and is familiar with the size, dimensions, and
physical condition of the Premises and is accepting the Premises "as is".
Sublessor shall not be obligated to perform any work on the Premises in order
to make them suitable for Sublessee's use.

     Section 7.  Indemnification. Sublessee shall indemnify and save harmless
Sublessor from and against any and all claims, liabilities, losses, damages,
injuries, costs, and expenses that hereafter may occur or arise from or out
of: (a) any failure by Sublessee to make any payment to be made by Sublessee
hereunder or fully to perform or observe any obligation or condition to be
performed or observed by Sublessee hereunder, (b) any cause whatsoever in,
about, or relating to the Premises during the term of this sublease, however
or by whomever caused, including without limitation any use, misuse,
possession, occupancy, or unoccupancy of the Premises by anyone during, the
term of this sublease, or any failure by Sublessee to perform and observe all
obligations and conditions to be performed and observed by it under this
sublease, or the condition of the Premises, and (c) any costs or expenses,
incurred or paid by Sublessor in connection with the foregoing, including
reasonable attorneys' fees and other costs and expenses in prosecuting or
defending any of the foregoing whether litigated or unlitigated.

     Section 8. Cumulative Rights and Remedies. Each right or remedy of
Sublessor under this agreement or now or hereafter available to Sublessor by
statute, at law, in equity, or otherwise shall be cumulative and concurrent
and shall be in addition to every other such right or remedy, and neither the
existence, availability, nor exercise of any one or more of such rights or
remedies shall preclude or otherwise affect the simultaneous, or later
exercise by Sublessor of any or all such other rights or remedies.

     Section 9. Survival of Obligations. No termination of this sublease and
no repossession of the Premises or any part thereof shall relieve Sublessee of
its liabilities and obligations hereunder all of which shall survive such
termination or repossession.

     Section  10. Assignment or Sublease. Sublessee shall neither assign this
sublease nor sublease all or any part of the Premises without first obtaining
Sublessor's express written consent to such assignment or sublease.

     Section 11. Sublessor's Access. Sublessor and its designees shall have
the right to enter the Premises at any reasonable times for the purposes of
inspecting the Premises or performing any work which the Sublessor elects to
undertake. Nothing herein shall imply any duty upon Sublessor to do any such
work which under any provision of this sublease Sublessee is required to
perform, and the performance thereof by Sublessor shall not constitute a
waiver of Sublessee's default.

     Section 12. Notices. Any notice or request required or desired to be
given to either party shall be in writing and shall be deemed given when
delivered personally to that party's address set

<PAGE>                                3

forth at the beginning of this sublease or when deposited in the United States
mail, postage prepaid, addressed to that party at that address or, in either
case, at such other address as that party may theretofore have designated in
notice to the party giving notice.

     Section 13. Complete Agreement. This document (with its exhibits, which
are hereby incorporated herein by reference) contains the entire agreement
between the parties and supersedes any prior discussions representations,
warranties, or agreements between them respecting the subject matter. No
changes, alterations, modifications, additions, or qualifications to this
agreement shall be made or be binding unless made in writing and signed by
each of the parties.

     Section 14. Counterparts. This agreement may be executed in several
counterparts, and each executed counterpart shall be considered as an original
of this agreement.

     Section 15. Brokers. The parties to this sublease acknowledge that no
broker has been involved with the transaction contemplated by this sublease
except for <space left blank> and that each of the parties shall be
responsible for paying all commissions and fees due to any broker engaged by
either of the parties.

     Section 16. Phone System. Sublessee has agreed to purchase from Sublessor
the phone system and office furniture that Sublessor has had installed in the
Premises for a purchase price of $22,000, due and payable in cash or other
funds readily convertible to cash upon the signing of this lease. Sublessor
shall deliver to Sublessee a bill of sale evidencing such purchase in form
mutually acceptable to Sublessor and Sublesee. At the expiration of this
sublease, Sublessee shall remove the phone system from the Premises and shall
be responsible to restore the Premises to the condition they were in
immediately prior to such removal.

     Section  17. Consent by Landlord. This sublease shall not be effective
until it is consented to by the Landlord under the Base Lease, and a copy of
such consent shall be attached to this sublease.

                                                METATEC INTERNATI0NAL CORP.

                                               By/s/Barbara Derrow 2/1/2000

                                               WHY USA NORTH AMERICA, INC

                                               By/s/ Don Riesterer 2-16-2000

<PAGE>                                4PROMISSORY NOTE

$500,000.00                                         December 30, 1999

     FOR VALUE RECEIVED, the undersigned, Donald Riesterer, (hereinafter
"Borrower"), (if more than one, then jointly and severally), as maker promises
to pay to the order of Dave Thomas, Emil A. Gluck, and Douglas A. Larson and
their successor (hereinafter the "Lender"), or order at 1421 North
Broadway, Suite 108, Menomonie, Wisconsin, 54751, or at any other place
designated by the holder hereof, in lawful money of the United States of
America, the principal sum of Five Hundred Thousand dollars and 00/100
($500,000.00 ) together with interest at a rate of eight and 3/4 (8.75%)
percent annum on the principal balance outstanding from time to time
hereunder.

      EVERY MONTH payments consisting of interest only in the amount of
interest only in the amount of Three Thousand Six Hundred Forty-five & 84
cents Dollars ($3645.84) each shall be made commencing on January 31, 2000 and
on intervals of every month thereafter until December 31, 2000, at which time
the principal balance, shall be paid in full. Interest shall be calculated
from the date hereon.

     The Lender acknowledges that as additional incentive to lend, Borrower
shall escrow 1,000,000 shares of WHY USA Financial Group, Inc, common stock as
collateral for this loan. These shares shall be escrowed for the term of this
loan and shall be sold in sufficient amounts to pay the loan at the end of the
term upon the default of Borrower. During the term of this loan Borrower shall
have the option, at his sole discretion, to instruct that the shares be sold
in sufficient amounts as necessary to prepay the principal balance of the loan
and any interest then due. Any unsold shares shall be released to Borrower
after repayment of the loan.

     This Promissory Note may be prepaid, in full or in part (but if is part,
in multiples of no less than $100.00), at any time, or from time to time
hereafter, without premium or penalty. Interest shall be computed on the
unpaid principal balance at the end of each day as follows: The rate of
interest shall be divided by 365 and the unpaid principal balance of this Note
shall be multiplied by the percentage so obtained. Payments hereunder shall be
applied first to accrued but unpaid interest and the excess, if any, to the
principal.

     This Promissory Note is secured by the escrowed shares of WHY USA
Financial Group, Inc. stock, that shall be escrowed as stated above.

     In the event of any default in the terms hereof or the payment of any
principal when due hereunder, then the entire unpaid principal balance of this
Promissory Note shall, at the option of the holder hereof, become immediately
due and payable, in full, without presentment or other notice or demand of any
kind. Failure to exercise such option, however often, shall not constitute a
waiver of the right to exercise it thereafter.

The following events shall constitute a default:

1.) The apparent insolvency of the Borrower;

2.)  Appointment of a Receiver for Borrower's property and business
     operations;

3.)  The commencement of bankruptcy proceedings, voluntary or involuntary by
     or on behalf of the Borrower;

<PAGE>

4.)  The failure to timely make payments as set forth herein;

5.)  Failure to timely make payments for merchandise received on credit from
     Lender;

6.)  The sale of all or substantially all of Borrower's assets;

7.)  A default as defined by documents executed concurrently herewith; and

8.)  The failure to abide by any of the terms set forth herein.

     The Borrower agrees to pay all costs of collection, including reasonable
attorney's fees and expenses, incurred by the holder hereof at any times in
the event this Promissory Note is not duly paid or a default exists. The
Borrower agrees to submit to the jurisdiction of the Hennepin County District
Court, State of Minnesota, in the event a dispute arises herein. The holder's
rights or remedies hereunder shall be cumulative and in addition to other
remedies which may be available at law.

     In the event any provision(s) herein becomes enforceable as a matter of
law, said provision(s) shall be stricken and the remaining provisions shall be
valid and enforceable.

     Presentment or other demand for payment, notice of dishonor and protest
are hereby expressly waived.

This Promissory Note shall be governed by the laws of the State of Minnesota.

BORROWER

/s/ Donald Riesterer                           /s/ signature illegible

Donald Riesterer                               (Witness)

<PAGE>

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