Document:

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                        EX-10.3(a)
                 Amendment to Loan Documents

                           AMENDMENT TO LOAN DOCUMENTS

            This Amendment to Loan Documents (this "Amendment") is entered into
this ___ day of March, 2000, between Media Outsourcing, Inc., a Delaware
corporation, formerly known as Direct Sales International, Inc. ("Borrower"),
and Coast Business Credit, a division of Southern Pacific Bank ("Lender"), with
respect to the following:

            A. Borrower and Lender have previously entered into that certain
Loan and Security Agreement dated as of January 28, 2000 (as amended from time
to time, the "Loan Agreement"), and executed and/or delivered other agreements,
documents and instruments in connection therewith (collectively with the Loan
Agreement, the "Loan Documents").

            B. Effective February 14, 2000, Borrower has merged with Media
Outsourcing, LLC, a Delaware limited liability company, and DSI Communications,
LLC, a Delaware limited liability company, with Borrower as the surviving entity
and the new name "Media Outsourcing, Inc."

            NOW, THEREFORE, in consideration of the foregoing and the terms and
conditions hereof, the parties hereto agree as follows:

            1. Definitions. Capitalized terms used but not defined in this
Amendment shall have the meanings given them in the Loan Agreement.

            2. Corporate Name Change. Each of the Loan Documents is hereby
amended to delete the words "Direct Sales International, Inc." wherever they
appear and to substitute therefor the words "Media Outsourcing, Inc."

            3. Actions By Borrower. Borrower represents and warrants to Lender
that Borrower has taken all steps necessary or appropriate, in its state of
incorporation and in each state in which Borrower is qualified to do business,
to change its name from "Direct Sales International, Inc." to "Media
Outsourcing, Inc." Borrower further represents and warrants that it has the full
right to use the name "Media Outsourcing, Inc." without infringing on the rights
of any Person.

            4. Further Assurances. Concurrently herewith, Borrower shall execute
and deliver to Lender any amendments to financing statements and fixture filings
and such further agreements, instruments and documents as are reasonably
requested by Lender to carry out the intent and purposes of this Amendment.

            5. Reaffirmation. Except as amended by the terms herein, the Loan
Documents remain in full force and effect in accordance with their terms.

            6. Counterparts. This Amendment may be executed in one or more
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument.

            7. Governing Law. This Amendment shall be governed by and construed
according to the laws of the State of California.

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            8. Attorneys' Fees; Costs. Borrower agrees to pay, on demand, all
attorneys' fees and costs incurred in connection with the negotiation,
documentation and execution of this Amendment. If any legal action or proceeding
shall be commenced at any time by any party to this Amendment in connection with
its interpretation or enforcement, the prevailing party or parties in such
action or proceeding shall be entitled to reimbursement of its reasonable
attorneys' fees and costs in connection therewith, in addition to all other
relief to which the prevailing party or parties may be entitled.

                                    Media Outsourcing, Inc., f/k/a Direct Sales
                                    International, Inc.

                                    By: /s/ Tim Ledwick
                                       _________________________________________

                                    Title: Secretary
                                          ______________________________________

                                    Coast Business Credit, a division of
                                    Southern Pacific Bank

                                    By: /s/ Lawrence Placik
                                       _________________________________________

                                    Title: Vice President
                                          ______________________________________

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                        EX-10.3(b)
                 Second Amendment to Loan and Security Agreement

                 SECOND AMENDMENT TO LOAN AND SECURITY AGREEMENT

            This SECOND AMENDMENT TO LOAN AND SECURITY AGREEMENT (this
"Amendment"), dated as of this ___ day of March, 2000, between Coast Business
Credit(R), a division of Southern Pacific Bank ("Coast") and Direct Sales
International, Inc. ("Borrower") is made in reference to the following facts:

            C. Borrower previously entered into a Loan and Security Agreement
with Coast dated as of January 28, 2000 (as amended, the "Loan Agreement").
Unless otherwise defined, all capitalized terms used herein shall have the
meanings given them in the Loan Agreement.

            D. Borrower and Lender wish to amend the Loan Agreement on the terms
and subject to the conditions set forth in this Amendment.

            NOW THEREFORE, in consideration of the foregoing recitals and the
terms and conditions hereof, the parties do hereby agree as follows, effective
as of the date set forth above:

            14. Conditions Precedent. Paragraph 6 under Section 5.15 of the
Schedule to the Loan Agreement is deleted in its entirety and replaced with the
following:

      "6.   Borrower shall have raised an additional $3,000,000 of cash equity
            on or before March 31, 2000. Prior to Coast's initial advance
            hereunder, Borrower shall provide to Coast documents indicating that
            there exists sufficient commitments to raise the additional
            $3,000,000 by such date, including a list of investors with their
            respective amounts of commitment, all satisfactory to Coast in its
            reasonable discretion. The failure of Borrower to obtain the
            additional cash equity by March 31, 2000 shall constitute an Event
            of Default."

            15. Other Provisions and Covenants. Paragraph 6 under Section 8.1 of
the Schedule to the Loan Agreement is deleted in its entirety and replaced with
the following:

      "Measured on a quarterly basis beginning March 31, 2000, it shall
      constitute an Event of Default if Symposium Corporation does not have a
      consolidated net worth (defined as shareholder equity plus subordinated
      debt) of not less than $12,000,000."

            16. Amendment Fee. In consideration of this Amendment and the
financial accommodations made available to Borrower from Coast, Borrower shall
pay to Coast on the date hereof an amendment fee of $40,000. This amendment fee
shall be deemed fully earned upon execution of this Amendment and shall be in
addition to all other fees and charges payable by Borrower to Coast.

            17. Reaffirmation. Except as modified by the terms herein, the Loan
Agreement and the other Loan Documents remain in full force and effect. If there
is any conflict between the terms and provisions of this Amendment and the terms
and provisions of the Loan Agreement or documents related thereto, the terms and
provisions of this Amendment shall govern.

            18. Counterparts. This Amendment may be executed in one or more
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument. This Amendment may be
executed by facsimile signatures.

            19. Governing Law. This Amendment shall be governed by the laws of
the State of California.

            20. Attorneys' Fees; Costs; Jury Trial Waiver. Borrower agrees to
pay, on demand, all attorneys' fees and costs incurred in connection with the
negotiation, documentation and execution of this

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Amendment. If any legal action or proceeding shall be commenced at any time by
any party to this Amendment in connection with its interpretation or
enforcement, the prevailing party or parties in such action or proceeding shall
be entitled to reimbursement of its reasonable attorneys' fees and costs in
connection therewith, in addition to all other relief to which the prevailing
party or parties may be entitled. Each of Coast and Borrower hereby waives its
right to a jury trial in any such action or proceeding.

                                    COAST BUSINESS CREDIT, a division of
                                    Southern Pacific Bank

                                    By: Robert Peters
                                       _________________________________________

                                    Its:
                                        ________________________________________

                                    DIRECT SALES INTERNATIONAL, INC.

                                    By: /s/ Ronald Altbach
                                       _________________________________________

                                    Its: CEO
                                        ________________________________________

            The undersigned Guarantor hereby acknowledges and consents to the
foregoing Amendment and confirms and agrees that its Guaranty executed in favor
of Coast shall remain in full force and effect in accordance with its terms.

SYMPOSIUM CORPORATION

By: /s/ Ronald Altbach
   _________________________________________

Its: CEO
    ________________________________________

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                        EX-10.4
                 Amendment to Loan and Security Agreement

                    AMENDMENT TO LOAN AND SECURITY AGREEMENT

This AMENDMENT TO LOAN AND SECURITY AGREEMENT (this "Amendment"), dated as of
this 30 day of March, 2000, between Coast Business Credit(R), a division of
Southern Pacific Bank ("Coast") and Media Outsourcing, Inc., formerly known as
Direct Sales International, Inc. ("Borrower"), is made in reference to the
following facts:

      A. Borrower previously entered into a Loan and Security Agreement with
Coast dated as of January 28, 2000 as amended (the "Loan Agreement"). Unless
otherwise defined, all capitalized terms used herein shall have the meanings
given them in the Loan Agreement.

      B. Borrower and Lender wish to amend the Loan Agreement on the terms and
subject to the conditions set forth in this Amendment.

      NOW THEREFORE, in consideration of the foregoing recitals and the terms
and conditions hereof, the parties do hereby agree as follows, effective as of
the date set forth above:

      1. Conditions Precedent. Paragraph 6 under Section 5.15 of the Schedule to
the Loan Agreement, otherwise requiring Borrower to receive additional cash
equity of $3,000,000 by March 31, 2000, is deleted in its entirety.

      2. Consolidated Net Worth. Paragraph 6 under Section 8.1 of the Schedule
to the Loan Agreement is deleted in its entirety and replaced with the
following:

      "Measured on a quarterly basis beginning March 31, 2000, it shall
constitute an Event of Default if Symposium Corporation does not have a
consolidated net worth (defined as shareholder equity plus subordinated debt) of
not less than $9,000,000."

      3. Excess Availability. The following is added as a new Paragraph 12 under
Section 8.1 of the Schedule to the Loan Agreement:

      "Borrower shall maintain at all times minimum excess borrowing
availability of not less than the following amounts for the following respective
periods: (a) $750,000 from April 1, 2000 through April 30, 2000; (b) $1,000,000
from May 1, 2000 through June 30, 2000; and (c) $2,000,000 thereafter; provided
that if Borrower raises additional cash equity of $3,000,000 and no Event of
Default has occurred or is continuing, then the foregoing minimum excess
availability requirement shall be reduced to $750,000. If Borrower fails at any
time to maintain the required minimum excess borrowing availability, Borrower
shall have 45 days from the date of the breach to cure the deficiency, provided
that the foregoing 45 day cure period shall only be available for one such
breach every 30 days. Borrower's failure to cure any such breach within the 45
day cure period or the occurrence of a breach where no cure period is applicable
shall, in either case, constitute an Event of Default."

      4. Opening Balance Sheet. Coast hereby extends the time for receipt of the
opening balance sheet for Borrower and its subsidiaries from March 31, 2000 to
April 12, 2000.

      5. Amendment Fee. In consideration of this Amendment, Borrower shall pay
to Coast on the date hereof an amendment fee of $150,000. This amendment fee
shall be deemed fully earned upon execution of this Amendment and shall be in
addition to all other fees and charges payable by Borrower to Coast.

      6. Reaffirmation. Except as modified by the terms herein, the Loan
Agreement and the other Loan Documents remain in full force and effect. If there
is any conflict between the terms and provisions of this Amendment and the terms
and provisions of the Loan Agreement or documents related thereto, the terms and
provisions of this Amendment shall govern.

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      7. Counterparts. This Amendment may be executed in one or more
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument. This Amendment may be
executed by facsimile signatures.

      8. Governing Law. This Amendment shall be governed by the laws of the
State of California.

      9. Attorneys' Fees; Costs; Jury Trial Waiver. Borrower agrees to pay, on
demand, all attorneys' fees and costs incurred in connection with the
negotiation, documentation and execution of this Amendment. If any legal action
or proceeding shall be commenced at any time by any party to this Amendment in
connection with its interpretation or enforcement, the prevailing party or
parties in such action or proceeding shall be entitled to reimbursement of its
reasonable attorneys' fees and costs in connection therewith, in addition to all
other relief to which the prevailing party or parties may be entitled. Each of
Coast and Borrower hereby waives its right to a jury trial in any such action or
proceeding.

COAST BUSINESS CREDIT, a division of Southern Pacific Bank

By:_______________________________________

Its:______________________________________

MEDIA OUTSOURCING, INC., formerly known as Direct Sales International, Inc.

By:_______________________________________

Its:______________________________________

Each of the undersigned Guarantors hereby acknowledges and consents to the
foregoing Amendment and confirms and agrees that its Guaranty executed in favor
of Coast shall remain in full force and effect in accordance with its terms.

SYMPOSIUM CORPORATION

By:_______________________________________

Its:______________________________________

MEDIA OUTSOURCING, LLC

By:_______________________________________

Its:______________________________________

DSI COMMUNICATIONS, LLC

By:_______________________________________

Its:______________________________________

NATIONAL READERS SERVICE, INC.

By:_______________________________________

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Its:______________________________________

__________________________________________
Ronald Altbach

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