Document:

Exhibit 10.10

                    Mortgage Lead Portal Marketing Agreement

      THIS AGREEMENT, is hereby entered into this 3rd day of January, 2000
between Express Financial Corporation (hereinafter referred to as "EFC"), and
Ubuy.com, Ltd (hereinafter referred to as "UBUY").

      WHEREAS, EFC is a mortgage banker that provides mortgages to consumers and
businesses ("Mortgage Services").

      WHEREAS, UBUY provides a variety of money saving benefits and services
programs ("Ubuy Programs") to the public through their membership, affinity
an/or employment with UBUY's clients who are predominantly Associations,
Fundraising Organizations, ISPs, Supermarkets, Telecommunications companies and
businesses ("UBUY Members").

      WHEREAS, UBUY has developed a Portal program (JUOL Program) which contains
industry specific portals and sub-portals, that introduce the UBUY benefits and
services via the Internet to its Members through JoinUsOnline.com, a UBUY
program.

      WHEREAS, EFC wishes UBUY to include its Mortgage Services the JUOL Program
and through UBUY's normal marketing channels.

      NOW, THEREFORE, for good and valuable considerations, the receipt and
adequacy of which are hereby acknowledged, the parties, intending to be legally
bound, agree as follows:

      1.    EFC shall introduce its Mortgage Services to the UBUY Members.

      2.    UBUY is an independent contractor of EFC, and is solely responsible
            for the time, manner and place of performance of its duties under
            this Agreement.

      3.    UBUY agrees that during the term of this Agreement, EFC shall be the
            exclusive provider of Mortgage Services in the Ubuy Programs.

      4.    EFC agrees that during the term of this Agreement, UBUY shall be its
            exclusive Internet Portal provider and Internet Banner and affiliate
            representative.

TERM

      5.    The Term of this Agreement shall be for a period of three (3) years
            subject to automatic renewals of the Term for successive one (1)
            year periods, unless either party terminates this Agreement by
            giving the other party written notice of said termination at least
            ninety (90) days prior to the expiration of the Term.
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            (a)   This Agreement may be terminated by either party if the Portal
                  Technology and Software Agreement, executed on January 3, 2000
                  between the parties, is terminated.

            (b)   Either party shall have the right to terminate this Agreement
                  in the event of a material default hereunder by the other
                  party, which default is not cured within thirty (30) days
                  after notice of the default is given by the party seeking to
                  terminate the term.

            (c)   Each party shall remain liable for services and any fees due
                  or accrued as of the effective date of termination of the
                  term, and for any and all covenants contained herein.

MARKETING, SALES and FEES

      6.    UBUY shall market the Mortgage Services to its UBUY members through
            its normal marketing channels, which include but are not limited to
            the following: Association advertisements, trade shows, e-mails,
            banner advertising, affiliate programs, membership programs.

      7.    EFC may participate in any and all trade shows that UBUY
            participates in. EFC is responsible for its expenses.

      8.    UBUY shall also offer the EFC Mortgage Services through the
            JoinUsOnline.com Internet Portal hosted by UBUY and included in some
            of the UBUY Programs. UBUY is responsible for all development and
            hosting fees associated with the Internet Portal.

      9.    UBUY shall submit all printed and scripted marketing materials to
            EFC for its approval.

      10.   EFC shall pay to $50.00 for each mortgage lead generated by UBUY,
            according to the following terms and conditions:

            (a)   The fees outlined above are not brokerage fees. They are a fee
                  for leads.

            (b)   UBUY shall remit all Member information along with any for
                  each program, in a computer compatible format on a weekly
                  basis or sooner.

            (c)   Said fees shall be paid by the fifteenth day of each month for
                  all programs.

            (d)   The UBUY fees in this Agreement will include a most favored
                  nations pricing guaranteeing that UBUY will always receive
                  EFC's best fees for Mortgage Services.

FULFILMENT AND CUSTOMER SERVICE

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After a UBUY Member is provided to EFC, EFC shall provide all future services
including but not limited to the application process, customer service and
ongoing support of the UBUY Member for the EFC services enrolled in.

      11.   Each party acknowledges that during the Term, it shall have access
            to the confidential information and trade secrets of the other,
            consisting of UBUY's customer list and information concerning EFC'S
            methods of operations, attorney lists, systems, products, and
            membership information. Each party acknowledges and agrees that the
            foregoing confidential information is confidential and proprietary.
            Accordingly, each party agrees not to disseminate or use any
            confidential information of the other party for any purposes except
            as expressly authorized in this Agreement, whether during or after
            the termination of the Term within the geographical scope of the
            United States of America. Furthermore, EFC agrees that during the
            term of this Agreement and any time thereafter, UBUY's Client's and
            Members shall remain the sole property of UBUY and cannot be
            utilized for any other EFC or EFC successor's internal promotions,
            list enhancements or other list promotions by other companies, or
            for any other reason, without the written permission of UBUY.

      12.   EFC and UBUY declare that the territorial and time limitations,
            stated herein, are reasonable and properly required for the adequate
            protection of the business of EFC and UBUY. In the event that any of
            the territorial or time limitations are deemed to be unreasonable by
            a court of competent jurisdiction, then all parties agree and submit
            to the reduction of either the territorial or time limitation as the
            court deems reasonable.

      13.   Each party acknowledges that the other would be irreparably damaged
            by any breach of the covenants herein and that such damages could
            not be adequately remedied by damages. Accordingly, each party agree
            that these covenants may be enforced by injunction against any
            breach or threatened breach, without waiving or affecting any claim
            for damages or other relief.

      14.   Each party agrees to indemnify and hold the other harmless with
            respect to any and all losses, damages or expenses (including
            reasonable attorrney's fees) which either party shall sustain as a
            result of the other's negligent, willful or wanton misconduct in
            carrying out the responsibilities in this Agreement.

MISCELLANEOUS

      15.   The parties agree that this Agreement shall be subject to and
            governed by the laws of the State of Florida. Venue shall be in
            Broward County, Florida.

      16.   The parties hereby agree if any provision of this Agreement is held
            to be invalid or unenforceable, all other provisions shall
            nevertheless continue in full force and effect.

      17.   The parties hereby agree that in the event a sEFC is initiated with
            reference to this Agreement by any party, the prevailing party shall
            be entitled to an award of

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            reasonable attorneys fees and disbursements incurred by such party
            in connection therewith, including but not limited to fees and
            disbursements in administrative, regulatory, insolvency, bankruptcy
            and appellate proceedings.

      18.   The parties hereby agree that modification and waiver of any of the
            provisions of this Agreement shall be effective only if made in
            writing and executed with the same formality as this Agreement. The
            failure of any party to insist upon strict performance of any of the
            provisions of this Agreement shall not be construed as a waiver of
            any subsequent default or breaches of the same or similar nature.

      19.   The parties hereby agree that this Agreement contains the entire
            understanding of the parties and replaces any previous Agreements
            between the parties. There are no representations, covenants,
            warranties or undertakings other than those expressly set forth in
            this agreement.

      20.   This agreement shall be binding on and insure to the benefit of the
            respective parties hereto and their successors and assigns.

      21.   This Agreement may be executed in counterparts, each of which shall
            be deemed an original, but all of which together shall constitute
            one and the same instrument and may be delivered by facsimile;
            facsimile signatures shall have the force and effect of original
            signatures.

      22.   All notices required or allowed hereunder shall be in writing and
            shall be deemed given upon (1) hand delivery or (2) deposit of same
            in the United States Certified Mail, Return Receipt Requested, first
            class postage and registration fees prepaid and correctly addressed
            to the party for whom intended at the address listed in the first
            page hereof, or such other address as is most recently noticed for
            such party.

      23.   All references to gender or number in this Agreement shall be deemed
            interchangeably to have a masculine, feminine, neuter, singular or
            plural meaning, as the sense of the text requires.

      24.   Each party represents and warrants to the other as follows:

            (a)   the execution, delivery and performance of this Agreement (1)
                  has been duly authorized by all necessary or appropriate acts
                  or proceedings, corporate or otherwise; (2) does not violate
                  or conflict with any provision of its respective Articles of
                  Incorporation, ByLaws, or standing resolutions; and (3) does
                  not violate or result in a breach or default (with the giving
                  of notice, the passage of time, or otherwise) under any
                  contract, understanding, judgment order, writ, law, or
                  regulation that is applicable to the representing party or its
                  assets.

            (b)   this Agreement is the valid, legal and binding obligation, and
                  Agreement of the representing party, and is enforceable
                  against it in accordance with its terms

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<PAGE>

            (c)   each representing party is a duly organized and validly
                  existing corporation, in good standing in the respective
                  jurisdiction of its incorporation.

      IN WITNESS WHEREOF, this Agreement has been executed and delivered in the
manner prescribed by law on the date first written above.

Ubuy.com, Ltd

By:_________________________________

____________________________________
        Print Name/Title

Express Financial Corporation

By:_________________________________
        Print Name/Title

                                       5EXHIBIT 10.1

STOCK PURCHASE AGREEMENT

                            STOCK PURCHASE AGREEMENT

STOCK PURCHASE AGREEMENT (the "Agreement") dated August 14, 2000, by and among
GSV, INC. (formerly known as CyberShop International, Inc.), a Delaware
corporation (the "Seller"), and THE MAGELLAN GROUP, LLC, a Connecticut limited
liability corporation (the "Purchaser"), IAN S. PHILLIPS ("Phillips") and HOWARD
J. KUNTZ III ("Kuntz," together with Phillips, the "Stockholders," and each
individually a "Stockholder").

                              W I T N E S S E T H :

      WHEREAS, pursuant to an Agreement and Plan of Merger (the "Merger
Agreement") dated as of June 1, 1999, MG Acquisition Corporation (the
"Company"), a Delaware corporation and a wholly owned subsidiary of the Seller,
acquired all of the assets and stock of The Magellan Group, Inc. ("MGI") through
a merger of MGI into the Company, the registered trademark "Tools for Living"
was licensed to the Seller and the Company (the "Trademark License"), and the
business formerly conducted by MGI continued to be operated by the Company from
and after June 1, 1999;

      WHEREAS, in connection with the Merger Agreement, employment agreements
were entered into between the Company and each of Messrs. Phillips and Kuntz
(the "Employment Agreements") which were guaranteed by the Seller (the
"Guarantees," together with the Merger Agreement, the Employment Agreements and
the Trademark License, the "Merger Documents"); and

      WHEREAS, the Seller desires to sell and Phillips and Kuntz desire to
purchase via the Purchaser all of the issued and outstanding capital stock of
the Company and to terminate the Merger Documents and the Guarantees in exchange
for the consideration as further described herein;

      NOW, THEREFORE, in consideration of the mutual covenants and agreements
set forth in this Agreement, and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties do hereby
agree as follows:

                                    ARTICLE I

                                 SALE OF SHARES

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      Section 1.1 Sale of Shares. Subject to the terms and conditions herein
stated, the Seller hereby sells, assigns, transfers and delivers to the
Purchaser, and the Purchaser hereby purchases from the Seller, 100 shares of
capital stock without par value of the Company (the "Purchased Shares"),
representing all of the issued and outstanding shares of capital stock of the
Company. All certificates representing the Purchased Shares shall be duly
assigned by the Seller in favor of the Purchaser in form and substance
satisfactory to the Purchaser free and clear of all "Liens" (as defined in
Section 3.3).

      Section 1.2 Closing. The Closing under this Agreement (the "Closing") is
taking place on the date hereof at 10:00 A.M. at the offices of Davis & Gilbert
LLP, counsel to the Seller, or such other date and place as agreed by the
parties hereto. The execution date is herein referred to as the "Closing Date."
The transactions contemplated by this Agreement shall be effective as of the
Closing Date.

                                   ARTICLE II

                                 PURCHASE PRICE

      Section 2.1 Purchase Price. In full consideration for the purchase by the
Purchaser of the Purchased Shares, the termination of the Merger Documents, the
exchange of General Releases, the Seller's covenants in Articles IV, and the
Seller's and the Executive's covenants in Article X, the Purchaser shall pay the
purchase price (the "Purchase Price") to the Seller consisting of (i) 895,775
shares of common stock, par value $0.001 per share of the Seller (the "GSV
Stock") registered in the names of the Stockholders which represents all but
10,000 shares each of GSV Stock owned beneficially or of record by the
Stockholders, (ii) the execution and delivery of the General Releases of it and
each Stockholder in the form of Exhibit C, and (iii) the assumption of all of
the liabilities of the Company.

      Section 2.2 Payment of the Purchase Price. Payment of the Purchase Price
shall be made by delivery to the Seller of the GSV Stock certificates, free and
clear of all Liens duly assigned to the Seller in form and substance
satisfactory to the Seller against receipt of the wire transfer of funds as
provided in Section 2.3.

      Section 2.3 Payment by the Seller. At the Closing, Seller will pay an
aggregate of $450,000.00 to the Company by a wire transfer of immediately
available funds (a) of $300,000.00 to the Purchaser's account # 2000021496031,
First Union Bank, ABA # 021101108 (the "Payment), and (b) of $150,000.00 to an
Escrow Account established pursuant to the Escrow Agreement dated of even date
herewith among the Seller, the Purchaser and Feltman, Karesh, Major & Farbman,
all of which funds shall be used exclusively to pay existing third party
creditors of the Company other than the Stockholders, as set forth on Schedule
2.3. Subject to Section 3.4(a), the Seller shall have no liability to any unpaid
creditor of the Company including the Stockholders for any obligation incurred
by the Company either before or following the Closing. If from and after July
24, 2000 the Seller has withdrawn any funds from the accounts of the Company for
payments other than for payroll obligations to employees of the Company engaged
in Rowayton, Connecticut (the "Employee Payments") and for payments authorized
in writing by either Stockholder (the "Authorized Payments")(the
"Non-

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Contemplated Withdrawals"), the $450,000.00 payment shall be increased by the
amount of the Non-Contemplated Withdrawals.

      Section 2.4 Indemnification of the Seller. As provided in Section 9.2, the
Purchaser shall indemnify and hold harmless the Seller and its officers,
directors, employees, agents, subsidiaries and affiliates from any and all
claims of third party creditors of the Company asserted against the Seller and
its officers, directors, employees, agents, subsidiaries and affiliates.

      Section 2.5 Transfer of Cybershop, LLC Ownership Interests. The Purchaser
and the Stockholders acknowledge and agree that at or before the Closing the
Company shall transfer to the Seller all of the ownership interests in
Cybershop, LLC free and clear of all Liens (as defined in Section 3.3) by an
Assignment and Assumption Agreement substantially in the form of Exhibit A.

      Section 2.6 Assumption of Liabilities. The Purchaser assumes all of the
liabilities and obligations of the Company, subject to Section 9.2.

                                   ARTICLE III

                          REPRESENTATIONS OF THE SELLER

      The Seller represents, warrants and agrees to and with the Purchaser and
the Stockholders as follows:

      Section 3.1 Existence and Good Standing. The Seller is duly organized,
validly existing and in good standing under the laws of Delaware with the full
corporate power and authority to own its property and to carry on its business,
all as and in the places where such properties are now owned or operated or such
business is now being conducted.

      Section 3.2 Execution and Validity. The Seller has the full power and
authority to make, execute, deliver and perform this Agreement and the
transactions contemplated hereby. The execution and delivery of this Agreement
by the Seller and the consummation of the transactions contemplated hereby have
been duly authorized by all required corporate action by the Seller and this
Agreement has been duly and validly executed and delivered by the Seller and,
assuming due authorization, execution and delivery by the Purchaser and the
Stockholders, constitutes a legal, valid and binding obligation of the Seller,
enforceable against the Seller in accordance with its terms.

      Section 3.3 Capitalization of the Company; Ownership of Shares.

            (a) The Company's authorized capital stock consists of 1,500 shares
of common stock without par value of which 100 shares are issued and
outstanding. All of the issued shares of common stock have been duly authorized
and are validly issued and outstanding, are fully paid and nonassessable, free
of preemptive rights, with no personal liability attaching to the ownership
thereof, and such ownership is free and clear of all mortgages, liens, security
interests,

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encumbrances, claims, options, charges and restrictions of any kind or character
(collectively, "Liens").

            (b) The Seller owns 100 shares of common stock of the Company on the
date hereof and is the true and lawful owner of, and has good and marketable
title to the Purchased Shares to be sold by it.

            (c) The stock ledger of the Company is complete and correct.

      Section 3.4 Operation of the Company. In the operation of the Company from
and after June 1, 1999 to the date hereof, the Seller has:

            (a) incurred no liabilities of any kind for which the Purchaser or
the Company will be liable, other than those (i) incurred by Seller in the
ordinary course of business, (ii) as to which neither Stockholder had actual
knowledge, (iii) as to which either Stockholder did not object, or (iv) Employee
Payments. Any liabilities other than those enumerated in subsections (i) through
(iv) inclusive shall be deemed "Contingent Liabilities."

            (b) paid or caused to be paid in full with respect to the Company
all federal, state and local sales, withholding and personal property taxes when
due and filed all tax returns therefor and provided copies thereof to the
Purchaser;

            (c) not granted or permitted any Lien against the assets of the
Company including the trademark "TOOLS FOR LIVING" or the goodwill associated
therewith; and

            (d) not agreed in writing or otherwise to take any action
contemplated by subsection (c).

      Section 3.5 No Restrictions. The Seller is not subject to, or a party to,
any mortgage, lien, lease, license, permit, agreement, contract, instrument,
law, rule, ordinance, regulation, order, judgment or decree, or any other
restriction of any kind or character, and there is no suit, action, claim,
investigation or inquiry by any administrative agency or governmental body, and
no legal, administrative or arbitration proceeding pending or, to the knowledge
of the Seller, threatened against it or any of its properties or assets that
would prevent consummation of the transactions contemplated by this Agreement
and compliance by them with this Agreement.

      Section 3.6 Approvals and Consents. No consent or approval of, other
action by, or notice to, any governmental body or agency, or any third person is
required for the execution and delivery by the Seller of this Agreement and the
consummation by the Seller of the transactions contemplated hereby.

                                   ARTICLE IV

                             COVENANTS OF THE SELLER

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      Section 4.1 Directors and Officers Liability Insurance and
Indemnification. Seller covenants and agrees that with respect to the Seller's
directors and officers liability insurance and indemnification rights under its
documents of organization, the Stockholders shall be provided with the same
rights and procedures with respect thereto after the Closing as have been
provided to the Seller's other Directors and officers.

      Section 4.2 Discontinuance of Trademark Use. Anything in the Trademark
License to the contrary notwithstanding which Trademark License is terminated
concurrently with the execution of this Agreement, Seller hereby acknowledges
and confirms:

      (a) Except as may otherwise be required by any law, by the requirements of
any tax or securities filing, or otherwise approved in writing by the Purchaser,
Seller has ceased any and all uses of and references to the trademark "TOOLS FOR
LIVING" (the "Trademark"), including without limitation any use on Seller's web
site, in Seller's advertising and marketing materials.

      (b) Seller irrevocably and unconditionally waives any interest it may have
in and to the trademark "TOOLS FOR LIVING and the goodwill associated therewith.

      4.3 Notice of Certain Events. Seller shall deliver written notice to the
Purchaser promptly following Seller's receipt of notice of the commencement of
any material action, suit or claim against either the Seller, the Executives,
the Stockholder, the Company or the Company's assets that directly involves the
Stockholders, the Company, the Purchaser or any of their assets.

                                    ARTICLE V

              REPRESENTATIONS OF THE PURCHASER AND THE STOCKHOLDERS

      The Purchaser and each Stockholder, jointly and severally except as to
Section 5.3, represents, warrants and agrees to and with the Seller as follows:

      Section 5.1 Existence and Good Standing. The Purchaser is duly organized,
validly existing and in good standing under the laws of Connecticut, with full
power and authority as a limited liability company to own its property and to
carry on its business all as and in the places where such properties are now
owned or operated or such business is now being conducted.

      Section 5.2 Execution and Validity. The Purchaser has the full power and
authority as a limited liability company to make, execute, deliver and perform
this Agreement and the transactions contemplated hereby. The execution and
delivery of this Agreement by the Purchaser and the consummation of the
transactions contemplated hereby have been duly authorized by all required
action by the Purchaser and this Agreement has been duly and validly executed
and delivered by the Seller and assuming due authorization, execution and
delivery by the Purchaser constitutes a legal, valid and binding obligation of
the Purchaser, enforceable against it in accordance with its terms.

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      Section 5.3 Ownership. Each Stockholder severally represents that he is
the sole true and lawful owner and has good and marketable title to of the GSV
Stock to be transferred by him to the Seller, and such ownership is free and
clear of all Liens.

      Section 5.4 No Restrictions. Neither the Purchaser nor either Stockholder
is subject to, or a party to, any charter, by-law, mortgage, lien, lease,
license, permit, agreement, contract, instrument, law, rule, ordinance,
regulation, order, judgment or decree, or any other restriction of any kind or
character, and there is no suit, action, claim, investigation or inquiry by any
administrative agency or governmental body, and no legal, administrative or
arbitration proceeding pending or, to the knowledge of the Purchaser or either
Stockholder, threatened against it or him or any of its or his properties or
assets, which would prevent consummation of the transactions contemplated by
this Agreement and compliance by it or him with this Agreement.

      Section 5.5 Approvals and Consents. No consent or approval of, other
action by, or notice to, any governmental body or agency, or any third person is
required for the execution and delivery by the Purchaser of this Agreement and
the consummation by the Purchaser or either Stockholder of the transactions
contemplated hereby.

                                   ARTICLE VI

                    COVENANTS OF THE PURCHASER AND THE SELLER

      Section 6.1 Purchaser Cooperation. The Purchaser covenants and agrees that
following the Closing, upon receipt of written notice from the Seller, it shall
cooperate fully with the Seller at reasonable times in providing the Seller such
information, except with respect to the Purchaser's operations from and after
the Closing Date, as is reasonably required by the requesting party or its
representatives for the preparation of tax returns and financial reports or in
connection with the reasonable requirements of the Seller in the normal course
of its business .

      Section 6.2 Seller Cooperation. The Seller covenants and agrees that
following the Closing, upon receipt of written notice from the Purchaser, it
shall cooperate fully with the Purchaser at reasonable times in providing the
Purchaser such information, except with respect to the Seller's operations from
and after the Closing Date, as is reasonably required by the requesting party or
its representatives for the preparation of tax returns and financial reports or
in connection with the reasonable requirements of the Purchaser in the normal
course of its business.

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                                   ARTICLE VII

                        ACTIONS AT CLOSING BY THE SELLER

      Simultaneously herewith:

      Section 7.1 Charter Documents. The Seller delivered to the Purchaser all
organizational documents of the Company including any modifications thereto, the
minute book and resignations of all Directors and officers other than those of
the Stockholders.

      Section 7.2 Bank Accounts of the Company. The Seller will execute and
deliver authorization forms in favor of the Purchaser with respect to all bank
accounts in the name of the Company.

      Section 7.3 Surrender of Certificates. The Seller will deliver to the
Purchaser certificate(s) representing all of the Purchased Shares duly endorsed
in favor of the Purchaser, together with the stock ledger of the Company, and
such other documents and instruments, if any, as may reasonably be necessary to
permit the Purchaser to acquire the Purchased Shares free and clear of any and
all Liens or voting restrictions of any kind whatsoever.

      Section 7.4 Release. The Seller shall give the Purchaser and the
Stockholders a general release in the form of Exhibit B hereto.

      Section 7.5 Assignment of Rights to Company's Name. Seller shall deliver
to the Purchaser an assignment of all of the Seller's right, title and interest
in and to the name "The Magellan Group," substantially in the form and to the
effect of Exhibit C hereto.

      Section 7.7 Other Actions. The Seller shall have caused the adoption of
resolutions by its Board of Directors authorizing the transfer of the shares of
the Company to the Purchaser to have taken place.

      Section 7.8 Proceedings. All proceedings required to be taken for the
transactions contemplated by this Agreement and all documents incident thereto
were reasonably satisfactory in form and substance to the Purchaser and the
Stockholders and their counsel, and the Purchaser and the Stockholders shall
have received copies of all the documents and other evidence as they or their
counsel reasonably requested to establish the consummation of such transactions
and the taking of all proceedings in connection therewith.

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                                  ARTICLE VIII

            ACTIONS AT CLOSING BY THE PURCHASER AND THE STOCKHOLDERS

      Simultaneously herewith:

      Section 8.1 Exchange of GSV Shares. (a) At the Closing Phillips shall
deliver stock certificate CS 0418 for 56,500 shares of common stock of the
Seller and Kuntz shall deliver stock certificate number CS 0437 for 39,275
shares of common stock, to the Seller. The Seller agrees to promptly forward the
said certificates to Seller's transfer agent with instructions to issue a
certificate for 10,000 shares of common stock of the Seller to each of Messrs.
Phillips and Kuntz. The certificates, when issued, shall be delivered to the
Escrow Agent referred to in Section 8.1(b).

            (b). Upon execution of the Stock Purchase Agreement, the
Stockholders will deliver Certificate CS 0395 for 413,500 shares and Certificate
CS 0420 for 406,500 shares of GSV, Inc., respectively (the "Escrowed Shares") to
the Escrow Agent. The Escrowed Shares shall be distributed in accordance with
the following procedure: The Seller will notify the Stockholders and the Escrow
Agent in writing when the Seller has received from the Transfer Agent one
certificate for 10,000 shares of Seller registered in the name of each
Stockholder (the "Replacement Certificates"). Each of the Stockholders (or their
duly designated agents) shall advise the Escrow Agent of the date and time it is
available to pick up the Replacement Certificates. Upon such delivery of the
Replacement Certificates, the Escrow Agent shall release the Escrowed Shares to
the Seller.

      Section 8.2 Releases.

            (a) The Stockholders shall give the Seller and its officers,
directors, employees, agents, subsidiaries and affiliates a general release in
the form of Exhibit C, which shall include the Merger Agreement, the Trademark
License, the Guarantees and their respective Employment Agreements including
without limitation each Stockholder's right to receive any health, life
insurance, stock option and 401 (k) benefit thereunder.

            (b) The Purchaser shall give the Seller and its officers, directors,
employees, agents, subsidiaries and affiliates a general release in the form and
to the effect of Exhibit D.

      Section 8.3 Resignations. Phillips shall have delivered to the Seller his
resignation as a Director of the Seller effective as of the Closing Date.

      Section 8.4 Resolutions. The Purchaser shall have adopted resolutions
authorizing the purchase of the shares of the Company.

      Section 8.5 Proceedings. All proceedings required to be taken for the
transactions contemplated by this Agreement and all documents incident thereto
were reasonably satisfactory in form and substance to the Seller and its
counsel, and the Seller shall have received copies of all

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such documents and other evidences as it or its counsel reasonably requested to
establish the consummation of such transactions and the taking of all
proceedings in connection therewith.

                                   ARTICLE IX

                               SURVIVAL; INDEMNITY

      Section 9.1 Survival. Each party hereto shall have the right to rely fully
upon the representations, warranties, covenants and agreements of the other
parties contained in this Agreement and the Schedules, if any, furnished by any
other party pursuant to this Agreement, or in any certificate delivered at the
Closing by any other party except as modified herein to the contrary in respect
of (i) the Stockholders' several, not joint, liability and (ii) the Executives'
obligations. The respective representations, warranties, covenants and
agreements of the Seller and the Purchaser contained in this Agreement shall
survive the Closing.

      Section 9.2 Obligation of the Purchaser and Stockholders to Indemnify. The
Purchaser agrees to indemnify the Seller and its officers and directors
(individually a "Seller Indemnified Party" and collectively, the "Seller
Indemnified Parties") against, and to protect, save and hold harmless the Seller
Indemnified Parties from, and assume liability for, payments of all liabilities,
obligations, losses, damages, penalties, claims, actions, suits, judgments,
settlements, out-of-pocket costs, expenses and disbursements (including
reasonable costs of investigation, and reasonable attorneys', accountants' and
expert witnesses' fees) of whatever kind and nature (collectively, "Losses"),
that may be imposed on or incurred by any Seller Indemnified Party as a
consequence of or in connection with (i) any material inaccuracy or material
breach of any representation or warranty contained in Article V hereof or (ii)
any material breach of or failure by the Purchaser or either Stockholder to
comply with or perform any agreement or covenant contained in this Agreement,
and (iii) the operation of the Company through the Closing Date except for
Contingent Liabilities incurred by the Seller. The term "Losses" as used herein
is not limited to matters asserted by third parties against a Seller Indemnified
Party, but includes Losses incurred or sustained by a Seller Indemnified Party
in the absence of third party claims but, in all events, Losses shall exclude
any liability for special or consequential damages and any Losses arising out of
class action suits against the Seller and/or Executives, and investigations,
claim, suits or proceedings by the SEC or any comparable administrative agency
but only to the extent that the same are not based on any material written
business or financial information provided to the Seller and/or Executives by
the Company or either Stockholder.

      Section 9.3 Obligation of the Seller to Indemnify. The Seller agrees to
indemnify the Stockholders, the Purchaser, the Company and the Purchaser's
officers and directors (individually, a "Purchaser Indemnified Party" and
collectively, the "Purchaser Indemnified Parties") against, and to protect, save
and keep them harmless from, and assume liability for, any and all Losses that
may be imposed on or incurred by the Purchaser, Stockholders or the Company as a
consequence of or in connection with (i) any material inaccuracy or material
breach of any representation or warranty contained in Article III hereof or (ii)
any material breach of or failure by the Seller to comply with or perform any
agreement or covenant by the Seller contained in this

                                       12
<PAGE>

Agreement and as required by its policies of Directors and officers liability
insurance and charter and By-law provisions respecting indemnity.

      Section 9.4 Indemnification Procedures.

      9.4.1 Notice of Asserted Liability. The Indemnified Party shall promptly
give notice (the "Claims Notice") to the party or parties required to pay any
amount in respect of Losses under Sections 9.2 or 9.3 (collectively, the
"Indemnifying Party") of any demand, claim or circumstances that in good faith
it or he believes gives rise, or with the lapse of time would or might give rise
to a claim or the commencement (or threatened commencement) of any action,
proceeding or investigation that may result in any Losses (an "Asserted
Liability"). The Claims Notice shall describe the Asserted Liability in
reasonable detail, shall indicate the amount (estimated, if necessary, and to
the extent feasible) of the Losses that have been or may be suffered by an
Indemnified Party.

      9.4.2 Defense of Asserted Liability. If the facts giving rise to the claim
for indemnification shall involve any actual or threatened claim or demand by
any third party against any Indemnified Party or by any Indemnified Party
against any third party (a "Third Party Claim"), the Indemnified Party shall
have the right but not the obligation to defend or prosecute such Third Party
Claim through counsel of its own choosing, and the reasonable costs and expenses
incurred by the Indemnified Parties shall be indemnifiable Losses subject to the
provisions of this Article IX.

      9.4.3 Cooperation. The Indemnified Party shall be entitled to participate
in the defense or prosecution of any such claim, demand or litigation at its own
expense and through counsel of its own choosing, but control thereof shall
remain with the Indemnifying Party.

                                    ARTICLE X

                       CONFIDENTIALITY AND NON-COMPETITION

      Section 10.1 Confidentiality.

      Section 10.1.1 Seller and the Executives. Seller which solely for the
purposes of this Article X shall include Messrs. Jeffrey Tauber and Kevin Miller
(collectively, the "Executives"), each of whom shall execute this Agreement
solely as to this Article X, acknowledges that all knowledge and information
about the Company that has become known to any of them through the Seller's
ownership of the Company is information that the Purchaser considers proprietary
and confidential (the "Confidential Information").

      10.1.2 Purchaser, Company and the Stockholders. The Purchaser, Company and
each of the Stockholders acknowledges that all knowledge and information about
the Seller that has become known to any of them through the Seller's ownership
of the Company and, as to the Stockholders, Phillips' service as a Director of
the Seller and Phillips' and Kuntz's service as officers of the Company, is
information that the Seller considers Confidential Information.

      10.1.3 Confidential Information Defined. For the purposes of this Article
X, Confidential Information shall include without limitation, financial data,
product information,

                                       13
<PAGE>

media placement and advertiser resources, information of a business nature such
as client/purchaser development, customer lists and profiles, fulfillment
techniques, pricing policies, sources of product, business, marketing and
investment plans and strategies, the terms of contracts with product sources and
manufacturers, print and internet media, web site design, content and supporting
software and hardware in whatever form. Confidential Information shall not
include information (i) previously known by a party, (ii) disclosed to a party
by a third party not under an obligation of confidence to the party about whom
the information is disclosed, and (iii) becomes available to the public other
than by a breach of this Article X.

      10.1.4 Material Adverse Effect. Seller, each Executive, the Company, the
Purchaser and each Stockholder acknowledges that the disclosure of Confidential
Information would have a material adverse effect on the Company and the Seller,
respectively, and each of them covenants not to disclose, or to permit it or his
agents or employees to disclose any Confidential Information to any third
parties except to the extent required by any provision hereof, by any judicial
order, by the requirements of any tax or securities filing, or otherwise
approved in writing by the other party.

      Section 10.2 Non Competition.

      10.2.1 The Purchaser, Company and Stockholders. The Purchaser, the Company
and each Stockholder covenants and agrees with the Seller that it and he will
not, for twelve (12) months after the Closing Date, in any manner, directly or
indirectly, (i) induce or attempt to influence any present employee of the
Seller to leave the Seller's employ, (ii) engage in North America in any
business in which the Seller was engaged, and (iii) manage or operate any
business that engages in direct competitive activity in any product category in
which the Seller engages as of the Closing date and for the preceding twelve
(12) months.

      10.2.2 The Seller and the Executives. The Seller and each Executive
covenants and agrees with the Purchaser that it and he will not, for twelve (12)
months after the Closing Date, in any manner, directly or indirectly, (i) induce
or attempt to influence any present employee of the Company to leave the
Company's employ, (ii) engage in North America in any business in which the
Company was engaged, and (iii) manage or operate any business that engages in
direct competitive activity in any product category in which the Company engages
as of the Closing date and for the preceding twelve (12) months.

                                   ARTICLE XI

                                  MISCELLANEOUS

      Section 11.1 Expenses. The parties hereto shall pay all of their own
expenses relating to the transactions contemplated by this Agreement, including,
without limitation, the fees and expenses of their respective counsel and
financial advisers.

      Section 11.2 Governing Law. The interpretation and construction of this
Agreement, and all matters relating hereto, shall be governed by the laws of New
York without reference to its conflict of laws provisions.

                                       14
<PAGE>

      Section 11.3 Captions. The Article and Section captions used herein are
for reference purposes only, and shall not in any way affect the meaning or
interpretation of this Agreement.

      Section 11.4 Press Release. Subject to the provisions of the next
sentence, no party to this Agreement shall issue any press release relating to
this Agreement or the matters contained herein without first having given the
other parties a reasonable opportunity to comment thereon which comments shall
be made promptly and in any event, no later than the end of the next business
day following the business day on which the release was received. Approval of
any press release shall not be unreasonably withheld. The foregoing provision
shall not apply to the extent that the Seller is required to make any
announcement relating to or arising out of this Agreement by virtue of the
federal securities laws of the United States or the rules and regulations
promulgated thereunder or other rules of the National Association of Securities
Dealers, Inc., or any announcement by any party under any law or regulations.

      Section 11.5 Notices. Unless otherwise provided herein, any notice,
request, instruction or other document to be given hereunder by any party to any
other party shall be in writing and shall be deemed to have been given (a) upon
personal delivery, if delivered by hand, (b) five days after the date of deposit
in the mails, postage prepaid, if mailed by certified or registered mail, or (c)
the next business day if sent by facsimile transmission (if receipt is
electronically confirmed) or by a prepaid overnight courier service, and in each
case at the respective addresses or numbers set forth below or such other
address or number as such party may have fixed by notice:

      If to the Seller, addressed to:

               GSV, Inc.
               116 Newark Avenue
               Jersey City, NJ 07302
               Attention: Jeffrey S. Tauber
               Fax:  (212) 234-5052

                      with a copy to:

               Davis & Gilbert LLP
               1740 Broadway
               New York, New York 10019
               Attention: Walter M. Epstein, Esq.
               Fax: (212) 468-4888

        If to the Purchaser or to the Stockholders to:

               Ian S. Phillips
               c/o The Magellan Group, LLC
               137 Rowayton Avenue
               Rowayton, CT 06583
               Fax: (203) 831-9147

                      and

                                       15
<PAGE>

               Howard J. Kuntz III
               c/o The Magellan Group, LLC
               137 Rowayton Avenue
               Rowayton, CT 06583
               Fax: (203) 831-9147

                      with a copy to:

               Feltman Karesh Major & Farbman LLP
               Carnegie Towers
               152 West 57th Street
               New York, NY 10019
               Attention: Stephen H. Gross, Esq.
               Fax: (212) 586-0951

      Section 11.6 Parties in Interest. This Agreement may not be transferred,
assigned, pledged or hypothecated by any party hereto, other than by operation
of law. This Agreement shall be binding upon and shall inure to the benefit of
the parties hereto and their respective heirs, executors, administrators,
successors and assigns.

      Section 11.7 Severability. If any provision of this Agreement is found to
be void and unenforceable by a court of competent jurisdiction, the remaining
provisions of this Agreement shall nevertheless be binding upon the parties with
the same effect as though the void or unenforceable part had been severed and
deleted.

      Section 11.8 Counterparts. This Agreement may be executed in two or more
counterparts, all of which taken together shall constitute one instrument.

      Section 11.9 Entire Agreement. This Agreement, including the other
documents referred to herein and the Exhibits and Schedules, if any, hereto
which form a part hereof, contains the entire understanding of the parties on
the subject matter contained herein and therein. This Agreement supersedes all
prior agreements and understandings among the parties on the subject matter.

      Section 11.10 Amendments. This Agreement may not be amended, supplemented
or modified orally, but only by an agreement in writing signed by the Purchaser
and the Seller.

      Section 11.11 Third Party Beneficiaries. Each party intends that this
Agreement shall not benefit or create any right or cause of action in or on
behalf of any person other than the parties hereto and their respective
successors and assigns as permitted under Section 11.6.

                                       16
<PAGE>

      Section 11.12 Further Assurances. Each party agrees to execute and deliver
to each other party such other and further documentation and take such other and
further action as the other party may reasonably request periodically to
implement the transactions contemplated herein.

                                       17
<PAGE>

      IN WITNESS WHEREOF, the parties hereto have executed this Agreement, on
the day and year first above written.

                             GSV, INC.

                             By:  /S/ Jeffrey S. Tauber
                                  ---------------------
                                  Name:  Jeffrey S. Tauber
                                  Title: Chief ExecutiveOfficer

                             THE MAGELLAN GROUP, LLC

                             By:  /s/ Ian S. Phillips
                                  ---------------------
                                  Name: Ian S. Phillips
                                  Title: Co-Chief Executive Officer

                            /s/ Ian S. Phillips
                            -------------------------------
                            Ian S. Phillips, individually

                            /s/ Howard  J. Kuntz III
                            -------------------------------
                            Howard J. Kuntz III, individually

                            AS TO ARTICLE X ONLY:

                            /s/ Jeffrey S. Tauber
                            -------------------------------
                            Jeffrey S. Tauber, individually

                            /s/ Kevin Miller
                            -------------------------------
                            Kevin Miller, individually

                                       18
<PAGE>

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

                            STOCK PURCHASE AGREEMENT

                                  by and among

                                    GSV, INC.

                                       and

                            THE MAGELLAN GROUP, LLC,

                                 IAN S. PHILLIPS

                                       and

                               HOWARD J. KUNTZ III

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

                           Dated as of August 14, 2000

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