Document:

Exhibit 10.13

CONFIDENTIAL

February 7, 2005

Dear Mr. Ham:

     The purpose of this letter is to describe the terms upon which Cochran
Edwards and Partners (CEandP) has agreed to introduce Millenium Holding Group,
Inc. and its affiliates (the "Company") to certain potential investors (each, a
"Referral"). CEandP and the Company shall maintain a list of Referrals (Exhibit
A), which shall be mutually approved by CEandP and the Company and updated from
time to time. Accepted referrals will be evidenced by the initial of an officer
of the Company next to each submission. The purpose of the introduction is to
permit the Company to consider a possible financial transaction ("Financing")
with the Referral.

     This agreement confirms that the Company and their respective
representatives, members, agents, associates, employees, consultants, companies,
subsidiaries, businesses and/or entities (collectively, "Representatives"),
hereby agree that they will not directly or indirectly circumvent payment of any
fees, or attempt circumvention or otherwise engage in any transaction with any
Referral introduced by CEandP without the payment of the fees set forth in this
agreement. This agreement confirms our understanding that the Company shall be
responsible for the payment of fees to CEandP in the event the Company receives
funding, through the direct or indirect efforts of CEandP within two years after
the date hereof (the "Effective Date"), from a Referral or affiliate of Referral
or party introduced to the Company formally by Referral.

     If, within the two year period commencing on the Effective Date, the
Referral, affiliate, subsidiary, division, or business unit of Referral or party
introduced to the Company formally by Referral singly or with others, provides
Financing to the Company or otherwise makes an investment in the Company whereby
the Company receives funds from Referral (other than an open market purchase of
publicly traded Company Securities), CEandP will be paid at the time of the
closing of such transaction:

     1.   Upon execution of this Agreement, MNHG shall issue to David Cochran
          25,000 shares of MNHG (restricted shares) common stock, $.05 par value
          per share (the "MNHG Common Stock"). The Shares to be issued shall be
          subject to the restrictions pursuant to Rule 144 of the Securities Act
          of 1933 and will have "piggy back" rights of registration.
     2.   A cash referral fee equal to three percent (3%) of the Financing gross
          proceeds advanced to the Company shall be paid to CEandP;
     3.   Immediately upon closing of the Financing to the Company, three
          percent (3%) of the gross proceeds disbursed ("Tranche") shall be paid
          to CEandP; consequently, the Company shall pay CEandP three percent
          (3%) of all follow-on cash disbursements related to the Financing,
          immediately upon the Company's realization of each additional Tranche;
          and
     4.   All expenses associated with this transaction are included in the 3.0%
          Referral Fee.
<PAGE>
     The Referrals introduced to the Company will be listed on an Addendum A (as
attached), which will be updated as additional Referrals are introduced to the
Company. The Company and CEandP must mutually agree upon all parties listed on
Addendum A. Such consideration paid in cash shall be paid directly to CEandP
immediately following the closing.

     The Company further agrees that if at any time within two years from the
Effective Date, the Company enters into or consummates additional follow-on
funding, any merger or other business combination, or any private acquisition or
private sale of 25% or more of the stock or assets of such selling entity (each
a "Sale Transaction") with an identified CEandP Referral or affiliate of
Referral or party introduced to the Company formally by Referral, the Company
will pay to CEandP a fee equal to two percent (2%) of the "total consideration"
paid to or received by the Company and its shareholders from Referral, whichever
is larger, in such Sale Transaction, such fee to be paid at the closing of the
transaction to which it relates in the same manner, kind and proportion as the
consideration paid in such transaction. For purposes hereof, "total
consideration" shall include, but not be limited to, cash, the face or fair
market value of any debt or equity securities issued, any long term debt assumed
or paid off, and any severance, non-compete or other payments in excess of
standard amounts.

     The Company understands that CEandP is providing services as a finder and
is not providing investment banking advisory or financing services. CEandP
disclaims any responsibility for accurately describing or recommending any
transaction that the Company may engage in. CEandP's obligation with respect to
any transaction is solely as described herein and the Company agrees that it
shall not make any representation that CEandP endorses or sponsors the Company
or its securities, has performed any due diligence with respect to the Company
or has participated in any way in pricing securities or structuring any
transaction. The Company agrees that no reference to CEandP will be made in any
press release or advertisement of any transaction with the Referral without the
express approval, in writing, of such release or advertisement by Mr. David A.
Cochran or Charlie Edwards except as may be required by law or regulatory
authority or whose consent cannot be unreasonably withheld.

     The Company further agrees to indemnify CEandP from any liability, claim,
damage, expense (including reasonable legal fees) arising from or related to (i)
any transaction, whether or not consummated, with the Referral or (ii) any
breach of the representations in the immediately preceding paragraph, in this
connection, the Company agrees to pay such liabilities, claims, damages or
expenses as incurred. Indemnification shall remain operative and in full force
and effect and survive the termination of the engagement.

     This Agreement shall be construed according to the laws of the State of
Nevada and subject to the jurisdiction of the courts of said state, without
application of the principles of conflicts of laws. If any litigation,
arbitration, or other dispute resolution arising out of or relating to this
Agreement, the prevailing party shall be reimbursed by the other party (as
determined by a court of competent jurisdiction) for reasonable attorneys' fees
and/or arbitration costs.

     This agreement shall become effective with the execution hereof, and shall
expire in a period of two years unless renewed in writing by both parties,
notwithstanding the protective provisions regarding Referrals described above
which would survive this agreement.
<PAGE>
     This Agreement may be executed in any number of counterparts each of which
shall be enforceable against the parties executing such counterparts, and all of
which together shall constitute a single document. Except as otherwise stated
herein, in lieu of the original documents, a facsimile transmission or copy of
the original documents shall be as effective and enforceable as the original.

The Company hereby represents, warrants and covenants as follows:

     (i) The Company has the full right, power and authority to enter into this
     Agreement and to perform all of its obligations hereunder, (ii) this
     Agreement has been duly authorized and executed by and constitutes a valid
     and binding agreement of the Company enforceable in accordance with its
     terms, (iii) the execution and delivery of this Agreement and the
     consummation of the transactions contemplated hereby do not conflict with
     or result in a breach of (A) The Company's certificate of incorporation or
     by-laws, or (B) any agreement to which the Company is a party or by which
     any of its property or assets is bound.

     If the foregoing is consistent with our understanding, please sign the
enclosed copy of this letter in the space indicated below and return it to the
undersigned.

                                        Very truly yours,

                                        By:  ____________________________
                                             David A. Cochran, President/CEO
                                             Cochran Edwards and Partners

Accepted and agreed this 7th day of February 2005:
Millenium Holding Group, Inc.

By: _____________________________________
         Richard L. Ham, President
<PAGE>
Appendix A (to be filled in upon signing)

1. Contact          Fund        212-555-1212

2. Contact          Fund        212-555-1212Exhibit 10.14

February 7, 2005

Mr. Richard Ham Millenium Holding Group, Inc. 12 Winding Road Henderson, NV
89052

Dear Richard:

This Engagement Agreement ("Agreement") confirms the principal terms under which
Millenium Holding Group, Inc. ("MNHG" or the "Company") agrees to engage Cochran
Edwards and Partners, Inc. ("CEandP"). Under this Agreement, CEandP will assist
MNHG with various market awareness and road show matters including, without
limitation, the following:

I.   Advisory and Tactical Services:

     1.   PROVIDE STRATEGIC ADVICE AND TACTICAL SERVICES AS IT RELATES TO THE
          COMPANY AND STOCK ACCELERATED GROWTH EFFORTS OF THE COMPANY;
     2.   PROVIDE MARKET MAKER AND BROKER-DEALER MARKET AWARENESS ADVISORY AND
          TACTICAL SERVICES... specifically MNHG's market makers, relevant
          retail and wholesale market makers and specialists, the Broker-Dealer
          network who cover OTCBB stocks and all broker-dealers covering the
          insurance and financial sectors. We will target one-on-one
          relationships with retail brokers in U.S. and Canada through CEandP's
          network of investors and S&P's extensive database; and
     3.   PROVIDE MARKET MAKER AND BROKER-DEALER ROAD SHOW ADVISORY AND TACTICAL
          SERVICES... specifically CEandP will organize an extensive
          presentation on behalf of MNHG for retail brokers, analysts,
          investment bankers, etc. These presentations will be exclusive for
          MNHG with Q & A sessions. In addition, we can also setup one-on-one
          presentations with retail brokers in the targeted database (see
          attached sample). Throughout 2005, this will be done in cities such as
          NYC, San Francisco, Atlanta, Boston, Chicago, Denver, San Diego, Los
          Angeles, Dallas, Seattle, Miami, etc. We will begin preliminary
          legwork for these cities in Q1 05.

II.  In connection with the provision of the foregoing services, CEandP proposes
     the following compensation arrangement:

     1.   Upon Execution of this Agreement, MNHG shall issue a payment in the
          amount of $5,000 to CEandP.
<PAGE>
     2.   CEandP will purchase for $5,000.00, a customized and updated database
          of North American Broker-Dealers from Standard & Poors;
     3.   Additionally, MNHG will issue to CEandP 25,000 shares of Restricted
          Stock, $.05 par value per share on the last day of each calendar
          quarter during the Term of this Agreement, commencing February 7,
          2005. MNHG shall deliver to CEandP 25,000 shares of MNHG Restricted
          Stock upon signing of this agreement; the Shares to be issued shall be
          subject to the restrictions pursuant to Rule 144 of the Securities Act
          of 1933 and will have "piggy back" rights of registration; MNHG may
          elect not to renew the contract for the upcoming month, with thirty
          (30) days prior notification;
     4.   All out-of-pocket expenses of CEandP and/or David Cochran (meals,
          entertainment, travel, etc.) that are related to advisory and tactical
          services outlined in this Agreement, will be covered by the monthly
          retainer. Any expenses directly requested by MNHG will be paid by
          MNHG, but not without the prior written consent of Richard Ham,
          President of Millenium Holding Group, Inc.

                                         Sincerely,

                                         COCHRAN EDWARDS AND PARTNERS

                                         -------------------------
                                         David A. Cochran
                                         President and CEO

Agreed and accepted this 7th day of February 2005.

Millenium Holding Group, Inc.

------------------------------
By: Richard L. Ham
Its:  President

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