Document:

Exhibit 10.1

                      ADDENDUM TO CONVERTIBLE DEBENTURE AND
                        WARRANT TO PURCHASE COMMON STOCK

This  Addendum to  Convertible  Debenture  and Warrant to Purchase  Common Stock
("Addendum")  is entered  into as of the  _____day  of June 2004 by and  between
Direct Response Financial Services, Inc., a Colorado corporation ("Direct"), and
La Jolla Cove Investors, Inc., a California corporation ("LJCI").

WHEREAS,  Direct and LJCI are parties to that certain 8 % Convertible  Debenture
dated as of January 9, 2003 ("Debenture"); and

WHEREAS,  Direct and LJCI are parties to that certain Warrant to Purchase Common
Stock dated as of January 9, 2003 ("Warrant"); and

WHEREAS,  the  parties  desire to amend the  Debenture  and  Warrant  in certain
respects.

NOW, THEREFORE,  in consideration of the mutual promises and covenants contained
herein,  and  for  other  good  and  valuable  consideration,  the  receipt  and
sufficiency of which are hereby acknowledged, Direct and LJCI agree as follows:

1.       All terms used herein and not otherwise  defined  herein shall have the
         definitions set forth in the Debenture.

2.       Immediately  upon  execution of this Addendum by both  parties,  Direct
         shall deliver  2,000,000  registered shares of Direct's Common Stock to
         LJCI. Such shares shall be used by LJCI to fulfill Direct's  obligation
         to deliver shares for Debenture  conversions and Warrant exercises that
         are associated with the Warrant  prepayment amount set forth in section
         3 below.  In the event  that the  2,000,000  registered  shares are not
         sufficient to satisfy such Debenture conversions and Warrant exercises,
         Direct shall deliver  additional  registered shares to LJCI at the time
         they are needed.  In the event that excess shares remain after LJCI has
         fully used the Warrant  prepayment amount set forth in section 3 below,
         LJCI shall use the  excess  shares to fulfill  Direct's  obligation  to
         deliver  shares  for  the  next  Debenture   conversions   and  Warrant
         exercises, until the excess shares are fully used.

3.       Upon receipt of the 2,000,000  registered shares of Direct Common Stock
         set forth in section 2 above,  LJCI shall wire:  (a) $40,000 to Direct,
         and (b) $20,000,  in whole or in part, to an investor awareness company
         or  companies  on  behalf of  Direct.  Such  funds  shall  represent  a
         prepayment  towards  the future  exercise of Warrant  Shares  under the
         Warrant. The timing of the application of the prepaid funds shall be at
         LJCI's sole  discretion.  Direct shall not be able to prevent LJCI from
         converting the Debenture and shall not be able to prepay the Debenture,
         regardless of the price of the Stock,  in connection with the Debenture
         conversions associated with such Warrant prepayment.

<PAGE>

4.       Effective  immediately,  and until the Debenture  conversions  that are
         associated  with the Warrant  prepayment  amount set forth in section 3
         above are  completed,  the minimum  monthly  Debenture  conversion  and
         Warrant  exercise  requirements  contained  in  section  3.1(a)  of the
         Debenture and section 1.1 of the Warrant are waived.

5.       Except as specifically  amended herein,  all other terms and conditions
         of the Debenture and Warrant shall remain in full force and effect.

IN WINESS WHEREOF, Direct and LJCI have caused this Addendum to be signed by its
duly authorized officers on the date first set forth above.

Direct Response Financial Services, Inc.        La Jolla Cove Investors, Inc.

By: ___________________________                 By: ____________________________

Name: _________________________                 Name: __________________________

Title: ________________________                 Title: _________________________

                                       2Exhibit 4.1
                           CONVERTIBLE PROMISSORY NOTE

DATED:   SEPTEMBER 13, 2004

1.       PRINCIPAL / BORROWERS PROMISE TO PAY

         FOR  VALUE  RECEIVED,  the  undersigned,  AGU  ENTERTAINMENT  CORP.,  A
COLORADO  CORPORATION whose address is 11077 Biscayne Blvd, Miami, Florida 33161
("BORROWER"),  promises to pay to Galt Financial Corporation,  ("LENDER"), whose
address  is  17  Larkspur  Lane,   Newtown,  PA  18940,  the  principal  sum  of
$500,000.00,  with annual  interest  thereon  calculated in accordance  with the
terms and provisions  provided below. All sums owing under this Note are payable
in lawful money of the United States of America.

2.       INTEREST

         (a)  Interest  on this Note  shall be due and  payable  within ten days
after the first day of each calendar  quarter  beginning with the first calendar
quarter after the date hereof.  Thereafter,  Interest shall accrued on this Note
and be payable at a fixed annual rate of 10.0%,  until such time as this Note is
paid in full or converted into common stock.

         (b) All  amounts  required  to be paid  under  Lender's  Note  shall be
payable to the Lender at 17  Larkspur  Lane,  Newtown,  PA 18940,  or at another
place as Lender, from time to time, may designate in writing.

         (c) Interest  calculations shall be based on a 365-day year and charged
on the basis of actual days elapsed.

3.       MATURITY DATE; CONVERSION

         (a) The  entire  principal  balance  of this  Note,  together  with all
accrued and unpaid interest and fees,  shall be due and payable on September 13,
2006 ("Maturity Date"), unless otherwise prepaid in accordance with the terms of
this Note.  Notwithstanding the foregoing,  Lender may, in its discretion and at
its sole  option,  extend the Maturity  date for  successive  one-year  options,
without changing any of the terms contained herein.

         (b)  Notwithstanding  anything to the contrary herein,  the Lender will
have the right to convert the  principal  balance  outstanding  on the Note into
common stock of the  Borrower,  at any time,  by  notifying  the Borrower of his
intent to convert all or a portion of the Note.  The  conversion  price is $1.00
per share,  subject to adjustment as set forth herein (the "Conversion  Price").
In the event  Lender  elects to convert all or any portion of this Note,  Lender
shall  provide  the  Borrower  with  written  notice at least two days  prior to
conversion  date.  If the Lender is converting  less than the maximum  number of
shares it may convert under its Note,  the Borrower  shall reissue the Note with
the  appropriate  remaining  principal  amount as soon as practicable  after the
completion  of  Lender's  conversion.  Borrower  shall pay to Lender  all unpaid
interest  accruing on the Note,  or any portion  thereof that is  converted,  up
through the time of conversion within five calendar days of said conversion. The
shares  acquired by Lender  upon  conversion  hereunder  may be  repurchased  by
Borrower on an "all-or-none"  basis, at Borrower's sole election,  at a price of
$5.00  cash  per  share  (subject  to the  same  adjustments  applicable  to the
conversion  rate  described  above) up through and including  September 9, 2005.
Lender,  in its sole and  absolute  discretion,  may agree to accept  payment as
aforesaid  for less than all of said shares  acquired  upon  conversion.  To the
extent that Borrower has not paid Lender the foregoing  repurchase price for all
of said shares by September 9, 2005, said repurchase right shall lapse.

                                       1
<PAGE>

         (c) Adjustment of Conversion Rate. The conversion rate in effect at any
time shall be subject to adjustment as follows:

                  i) In the case the Company shall (a) declare a dividend on its
         outstanding  common stock in shares of its capital stock, (b) subdivide
         its outstanding  common stock,  (c) combine its  outstanding  shares of
         common  stock  into a smaller  number of such  shares,  or (d) issue by
         reclassification    of   its   common   stock   (including   any   such
         reclassification  in connection with a consolidation or merger in which
         the Company is the continuing  corporation)  any shares of any class of
         stock, the conversion rate in effect at the time of the record date for
         such dividend or of the effective date of such subdivision, combination
         or  reclassification  shall  be  proportionately  adjusted  so that the
         Holder of this Note surrendered for conversion after such time shall be
         entitle  to receive  the number and kind of shares  which he would have
         owned or would  have  been  entitled  to  receive  had this  Note  been
         converted immediately prior to such time. Such adjustment shall be made
         successively whenever any event listed above shall occur.

                  ii) All calculation under this Paragraph 3(c) shall be made to
         the nearest cent or to the nearest one tenth (1/10) of a share,  as the
         case  may be.  Whenever  the  conversion  rate is  adjusted  as  herein
         provided, the Borrower shall promptly give written notice to the Lender
         and/or  Holder  showing the  adjusted  conversion  rate  determined  as
         provided   herein,   setting  forth  the  conversion  rate  after  such
         adjustment and setting forth a brief  statement of the facts  requiring
         such adjustment and a computation thereof.

                  iii) In the event:

                  A) The Borrower  shall declare a dividend on its common stock;
         or

                  B) Of any subdivision,  combination or reclassification of the
         Borrower's common stock, or of any consolidation or merger to which the
         Borrower is a party and for which approval of any  shareholders  of the
         Borrower  is   required,   or  of  the  sale  or  transfer  of  all  or
         substantially all of the assets of the Borrower; or

                  C) Of the voluntary or involuntary dissolution, liquidation or
         winding up of the affairs or business of the Borrower; or

                  D) The Borrower  proposes to take any other action which would
         require an adjustment of the  conversion  rate pursuant to Section 3(c)
         hereof, then the Borrower shall mail to the Lender and/or Holder at his
         last known  address,  at least twenty (20) days prior to the applicable
         record date  hereinafter  specified,  a notice  stating (1) the date of
         which the holders of shares of common stock of record to be entitled to
         receive any such dividend or distribution are to be determined;  or (2)
         the date on which any such subdivision, combination,  reclassification,
         consolidation,  merger,  sale,  transfer,  dissolution,  liquidation or
         winding up is expected to become effective, and the date as of which it
         is  expected  that  holders of common  stock for  securities  and other
         property,  if any,  deliverable  upon  such  subdivision,  combination,

                                       2
<PAGE>

         reclassification,  consolidation,  merger, sale, transfer, dissolution,
         liquidation  or winding up. The failure to give the notice  required by
         this  Subsection  3(c)(iii) or any defect  therein shall not affect the
         legality or validity of any  dividend,  distribution,  right,  warrant,
         subdivision,  combination,  reclassification,   consolidation,  merger,
         sale,  transfer,  dissolution,  liquidation  or winding up, or the vote
         upon any such action.

                  iv)  The  Borrower   shall  at  all  times  reserve  and  keep
         available,  free from  pre-emptive  rights of those  persons other than
         Lender,  out of its  authorized  but  unissued  common  stock,  for the
         purpose of effecting  the  conversion  of the Note,  the full number of
         shares of common stock then issuable upon the  conversion of this Note.
         If at any time the  number  of  authorized  and/or  unissued  shares of
         common stock shall not be sufficient  to effect the  conversion of this
         Note at the  conversion  rate then in effect,  the Borrower  shall take
         such  corporate  action  as may,  in the  opinion  of its  counsel,  be
         necessary to increase  its  authorized  but  unissued  shares of common
         stock to such number of shares as shall be sufficient for such purpose.
         No fractional shares of common stock shall be issued upon conversion of
         this Note.  In lieu of issuing  any  fractional  interest of a share of
         common stock,  the Borrower shall purchase such fractional  interest at
         the publicly traded market price for its shares, rounded to the nearest
         dollar.

                  v) The  Borrower  covenants  that any and all shares of common
         stock which may be issued upon  conversion of the Note,  upon issue, be
         duly and validly issued, fully paid and non-assessable.

         (d) The Shares offered with this Note will not be registered  under the
Securities Act or under the securities laws of any state or other  jurisdiction.
As a result,  the Shares cannot be transferred or otherwise  disposed of without
registration under the Securities Act or, if applicable,  the securities laws of
any state or other jurisdiction,  absent an otherwise applicable exemption there
from, if any.

         (e) The Shares offered in with this Note involve a high degree of risk.
There is no public market for any of these Shares and the Borrower cannot assure
that a public market will be developed or be sustained if developed.

4.       BORROWER'S RIGHT OF REDEMPTION.

         Notwithstanding  anything  to  the  contrary  in  this  Agreement,  the
Borrower shall have the absolute right to redeem or prepay the principal  amount
of this Note, then remaining upon 30 days advance written notice to Lender.  The
Note may not be partially  redeemed or prepaid.  In the event of said redemption
or prepayment,  Borrower shall pay to Lender an additional  fee, which shall not
be deemed to be interest, equal to 10% of the sum redeemed or prepaid.

5.       LATE CHARGE

         If  any  required  payment,  including  the  final  payment  due on the
maturity date, is not paid within 15 days from and including the date upon which
it was due (whether by acceleration or otherwise), then, in each such event, all
past due amounts shall be subject to a late penalty of five (.05) cents on every
dollar owed (the "late penalty").  This late penalty shall be in addition to any
other  interest  due as provided  for herein and in addition to all other rights

                                       3
<PAGE>
and  remedies  provided  herein  or by law for the  benefit  of the  holder on a
default.  The  acceptance of any payment by the holder of the Note shall not act
to restrict the holder at all in  exercising  any other rights under the Note or
the law, to waive or release Borrowers from any obligations contained herein, or
to extend the time for payments due under this Note.

6.       DEFAULT AND REMEDIES

         If Borrowers fail to pay principal and/or interest on the date on which
it  falls  due  or to  perform  any of the  agreements,  conditions,  covenants,
provisions,  or stipulations  contained in this Note, then Lender, at its option
and without  notice to Borrowers,  may declare  immediately  due and payable the
entire  unpaid  balance of principal  with interest from the date of default and
all other  sums due by  Borrowers  hereunder  anything  herein  to the  contrary
notwithstanding,  at a default  rate equal to the higher of 18% per annum or the
highest rate of interest permitted by applicable law. Payment of this sum may be
enforced  and  recovered  in  whole or in part at any time by one or more of the
remedies  provided to Lender in this Note. In that case, Lender also may recover
a reasonable  attorney's fee and/or all collection  costs,  including those that
may be incurred  on appeal,  as well as  interest  on any  judgment  obtained by
Lender at then prevailing rates.

         The remedies of Lender  provided in this Note shall be  cumulative  and
concurrent,  and they may be pursued  singly,  successively,  or together at the
sole  discretion  of Lender.  They may be exercised  as often as occasion  shall
occur, and failing to exercise one shall in no event be construed as a waiver or
release of it.

         As a material  inducement  for Lender to make the loan to Borrower that
is  evidenced  by this Note,  Borrower  has  agreed to enter  into a  consulting
agreement   (the   "Consulting   Agreement")   with  the   principal  of  Lender
("Principal"),  whereby  Borrower is to issue to Principal or his assigns,  upon
the  execution  of  the  Consulting  Agreement,  500,000  restricted  shares  of
Borrower's  common  stock,  which  shall  be  deemed  to be  fully  paid for and
non-assessable  upon the  execution of the  Consulting  Agreement.  In the event
Borrower fails to execute said Consulting  Agreement and/or provide instructions
to its Transfer  Agent to deliver  500,000 of its  restricted  common  shares to
Principal or his assigns  within five  calendar  days of the date  hereof,  said
failure  shall be deemed a default  hereunder  entitling  Lender to the specific
remedy of reducing  the  conversion  price set forth in this Note from $1.00 per
share to $0.50 per share.

         As a material  inducement  for Lender to: i) make the loan to  Borrower
that is  evidenced  by this Note;  and ii)  withdraw  its  demand for  perpetual
pre-emptive rights, to insure that Lender's interest in Borrower is not diluted,
Borrower  has agreed to grant to Lender a  five-year  warrant to  purchase up to
500,000  shares of the  Borrower's  common  stock at an exercise  price equal to
$1.00 per share,  subject to  adjustment  for splits,  dividends,  combinations,
mergers,  reclassifications  and the  like,  pursuant  to the terms of a warrant
grant,  the form of which is  attached  hereto as Exhibit  "A".  Borrower  shall
deliver to Lender  said  Warrant  within ten  calendar  days of the date of this
Note.  In the event  Borrower  fails to deliver the  foregoing  Warrant Grant to
Lender and/or the form thereof is not  acceptable to Lender,  said failure shall
be deemed a default  hereunder  entitling  Lender to the  specific  remedies  of
reducing  the  conversion  price set  forth in the Note from  $1.00 per share to
$0.50 per share and entitling  Lender to pre-emptive  rights with respect to all
shares of Borrower's common stock held by Lender. In exercising said pre-emptive
rights,  the price paid by Lender  shall be the lesser of $1.00 per share or the
share  price  paid by the  purchaser  whose  acquisition  gave rise to  Lender's
pre-emptive  right.  If at any time the  number of  authorized  and/or  unissued
shares of common stock shall not be sufficient to effect the  conversion of this
Note and/or  issuance of shares to be issued  upon the  exercise of  pre-emptive
rights,  the Borrower shall take such corporate action as may, in the opinion of
its counsel,  be necessary to increase its authorized  and/or unissued shares of
common stock to such number of shares as shall be sufficient for such purpose.

                                       4
<PAGE>

7.       ATTORNEYS' FEES AND COSTS

         Borrowers   shall  pay  all  attorneys  fees  in  connection  with  the
preparation  of this Note. If Lender engages any attorney to enforce or construe
any provision of this Note, or as a  consequence  of any default  whether or not
any legal  action  is  filed,  Borrowers  immediately  shall  pay on demand  all
reasonable attorneys' fees and other Lender's costs, together with interest from
the date of demand until paid at the highest rate of interest then applicable to
the unpaid principal,  as if the unpaid attorneys' fees and costs had been added
to the principal.

8.       WAIVERS

         (a) Borrowers hereby waive and release all benefit that might accrue to
Borrowers  by virtue of any present or future laws of  exemption  with regard to
real or personal  property or any part of the proceeds  arising from any sale of
that property, from attachment,  levy, or sale under execution, or providing for
any stay of execution,  exemption from civil  process,  or extension of time for
payment.  Borrowers  agree  that any real  estate  that may be levied on under a
judgment obtained by virtue hereof, on any writ of execution issued thereon, may
be sold on any writ in whole or in part in any order desired by Lender.

         (b) Borrowers and all endorsers,  sureties,  and guarantors jointly and
severally waive  presentment for payment,  demand,  notice of demand,  notice of
nonpayment or dishonor,  protest,  notice of protest of this Note, and all other
notices in connection with the delivery,  acceptance,  performance,  default, or
enforcement  of the  payment  of this  Note.  They  agree  that each  shall have
unconditional  liability  without regard to the liability of any other party and
that they shall not be affected in any manner by any  indulgence,  extension  of
time,  renewal,  waiver,  or  modification  granted or  consented  to by Lender.
Borrowers and all endorsers,  sureties,  and  guarantors  consent to any and all
extensions of time,  renewals,  waivers, or modifications that may be granted by
Lender with respect to the payment or other  provisions of this Note, and to the
release of any collateral or any part thereof, with or without substitution, and
they agree that additional  borrowers,  endorsers,  guarantors,  or sureties may
become  parties  hereto  without  notice to them or  affecting  their  liability
hereunder.

         (c) Lender shall not be considered by any act of omission or commission
to have waived any of its rights or remedies hereunder, unless such waiver is in
writing and signed by Lender, and then only to the extent specifically set forth
in writing.  A waiver on one event shall not be construed as  continuing or as a
bar to or waiver of any right or remedy to a subsequent event.

9.       NOTICES

         All notices  required  under or in  connection  with this Note shall be
delivered or sent by certified or registered  mail,  return  receipt  requested,
postage prepaid, to the addresses set forth in Paragraph 1 hereof, or to another
address that any party may  designate  from time to time by notice to the others
in the manner set forth  herein.  All notices  shall be  considered to have been
given or made either at the time of  delivery  thereof to an officer or employee
or on the third  business  day  following  the time of mailing in the  aforesaid
manner.

                                       5
<PAGE>

10.      COSTS AND EXPENSES

         Borrowers  shall pay the cost of any revenue tax or other stamps now or
hereafter required by law at any time to be affixed to this Note.

11.      NO PARTNERSHIP OR JOINT VENTURE

         Nothing  contained  in this Note or  elsewhere  shall be  construed  as
creating a partnership or joint venture  between Lender and Borrowers or between
Lender  and  any  other  person  or as  causing  the  holder  of the  Note to be
responsible  in any way for the debts or  obligations  of Borrowers or any other
person.

12.      INTEREST RATE LIMITATION

         Notwithstanding  anything contained herein to the contrary,  the holder
hereof  shall  never  be  entitled  to  collect  or apply  as  interest  on this
obligation any amount in excess of the maximum rate of interest  permitted to be
charged by  applicable  law. If the holder of this Note ever collects or applies
as interest  any such excess,  the excess  amount shall be applied to reduce the
principal debt; and if the principal debt is paid in full, any remaining  excess
shall be paid forthwith to Borrowers.  In determining  whether the interest paid
or payable in any specific case exceeds the highest  lawful rate, the holder and
Borrowers  shall  to the  maximum  extent  permitted  under  applicable  law (a)
characterize  any  non-principal  payment as an expense,  fee, or premium rather
than as interest;  (b) exclude  voluntary  prepayments and the effects of these;
and (c) spread the total amount of interest  throughout the entire  contemplated
term of the obligation so that the interest rate is uniform throughout the term.
Nothing in this  paragraph  shall be  considered  to increase  the total  dollar
amount of interest payable under this Note.

13.      OBLIGATIONS OF THE PERSONS UNDER THIS NOTE

         If more than one  person  signs  this  Note,  each  person is fully and
personally  obligated to keep all of the promises  made in this Note,  including
the promise to pay the full amount owed.  Any person who is a guarantor,  surety
or endorser of this Note is also  obligated to do these  things.  Any person who
takes over these obligations,  including the obligations of a guarantor,  surety
or endorser of this Note is also  obligated to keep all of the promises  made in
this Note.  The Note Holder may enforce its rights  under this Note against each
person individually or against all of us together. This means that any one of us
may be required to pay all of the amounts owed under this Note.

14.      MODIFICATION

         In the event this Note is pledged or collaterally assigned by Lender at
any time or from time to time before the maturity  date,  neither  Borrowers nor
Lender  shall  permit any  modification  of this Note without the consent of the
pledgee/assignee.

15.      NUMBER AND GENDER

         In this Note the singular  shall  include the plural and the  masculine
shall include the feminine and neuter gender,  and vice versa, if the context so
requires.

                                       6
<PAGE>

16.      HEADINGS

         Headings at the beginning of each  numbered  paragraph of this Note are
intended  solely for  convenience  of  reference  and are not to be construed as
being a part of the Note.

17.      TIME OF ESSENCE

         Time is of the essence with respect to every provision of this Note.

18.      GOVERNING LAW

         This Note shall be construed and enforced in  accordance  with the laws
of the State of Florida, except to the extent that federal laws preempt the laws
of the State of Florida.

         IN WITNESS WHEREOF, Borrowers have executed this Convertible Promissory
Note on the date set forth above.

Signed in the presence of:                          AGU Entertainment Corp

                                                    By:  /s/ David C. Levy
                                                      --------------------------
                                                      David Levy, President

PREPARED BY:  Blank Rome LLP

1200 N. Federal Highway
Suite 417
Boca Raton, FL 33432
Attn: Bruce C. Rosetto, Esq.

                                       7

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