Document:

Exhibit 10.3

                     [LETTERHEAD OF FISHER ENTERPRISES LLC]

                                  July 13, 2006

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

Re:  $3,500,000 Financing Package for the Refinance, Purchase and Initial
     Phasing of Sun Ridge I

Dear Mr. Ham:

This letter will confirm agreement between Borrowers and Fisher  Enterprises LLC
(FE)  with  respect  to the above  referenced  transaction.  In the  event  that
Borrowers accept and close on financing from a funding source  introduced by FE,
then FE will be  entitled to receive a one-time  fee of TWO PERCENT  (2%) on the
funded  amount,  payable out of proceeds at closing.  A retainer of TWO THOUSAND
FIVE HUNDRED DOLLARS ($2,500.00) is required in order to proceed.  THIS RETAINER
IS REFUNDABLE IN THE EVENT THAT OUR LENDER FAILS TO PROVIDE A FORMAL PROPOSAL TO
BORROWER  IN  ACCORDANCE  WITH THE TERMS  OUTLINED IN OUR  ACCOMPANYING  LETTER,
PROVIDED THAT THERE HAVE BEEN NO MATERIAL  MISREPRESENTATIONS  MADE BY BORROWER.
THE RETAINER IS NON-REFUNDABLE IN THE EVENT FE HAS MET ITS OBLIGATION TO PROVIDE
A LENDER IN ACCORDANCE WITH THE TERMS OUTLINED IN OUR ACCOMPANYING LETTER AND/OR
BORROWER FAILS TO PROCEED WITH THE FINANCING.

Borrower  specifically  authorizes  FE to  deliver a copy of this  agreement  to
Lender and  further  authorizes  Lender to deduct the fees due FE from the first
proceeds of the funding and to pay said sums directly to FE.

This agreement shall be deemed to have been made in and construed under the laws
of the State of New York. Any dispute between the parties hereto, arising out of
the subject matter of this Agreement, shall be adjudicated by arbitration in New
York,  NY by the  American  Arbitration  Association.  Judgment  upon any  award
rendered there under may be entered in any Court having jurisdiction thereof.
<PAGE>
Please  sign and return  this letter  along with the  retainer  to signify  your
agreement with the above.

                                            FISHER ENTERPRISES LLC

                                            David A. Franklin
                                            Managing Member

ABOVE AGREED TO
ON 13th DAY OF July , 2006

BY: Richard L. Ham, President
    ------------------------------------
FOR: Millenium Holding Group, Inc.
     -----------------------------------Exhibit 10.4

                     BANKERS FINANCIAL MORTGAGE GROUP, LTD.

                              BROKER FEE AGREEMENT

Borrower:                                          Millenium Holding Group, Inc.
Property Address:                                                         KY-196
                                                                 Jabez, Kentucky
Estimated Loan Balance:                                               $1,902,419
Estimated Compensation to Broker:                   2% of the Gross Loan Balance

BANKERS  FINANCIAL  MORTGAGE  GROUP,  LTD. has and will provide the  undersigned
assistance in securing  mortgage  financing.  Services have and/or will include,
but are not limited to the following:

     -    Obtaining a discounted interest rate, only available to correspondents
          of a lender or an approved commercial mortgage broker;

     -    Counseling on available financing products;

     -    Counseling on debt service and credit qualifications;

     -    Assistance in completing the loan application;

     -    Negotiations  and  discussions  with  the  Lender  regarding   credit,
          pricing, and terms.

The undersigned  hereby engages  BANKERS  FINANCIAL  MORTGAGE  GROUP,  LTD. as a
broker for obtaining a loan commitment from a referral made by BANKERS FINANCIAL
MORTGAGE  GROUP,  LTD.  and  for  the  above  services.  It is  agreed  that  as
compensation  for the same, the undersigned  agrees to pay to BANKERS  FINANCIAL
MORTGAGE  GROUP,  LTD.  upon the Loan closing or from the loan  proceeds  from a
referral made by BANKERS FINANCIAL  MORTGAGE GROUP, LTD., 2.0% of the gross loan
amount as a loan commission.

BANKERS FINANCIAL MORTGAGE GROUP, LTD.

     BY:

     NAME/TITLE: Gregory A. Wallace, VP
                 ------------------------------------

     DATE: August 7, 2006
           ------------------------------------------

MILLENIUM HOLDING GROUP, INC.

     BY:

     NAME/TITLE: Richard Ham/President

     DATE: August 7, 2006
           ------------------------------------------
<PAGE>
                       COMMERCIAL LOAN REFERRAL AGREEMENT

This  Commercial  Loan Referral  Agreement is entered into as of the 27th day of
July, 2006 ("Effective  Date") between Bankers Financial  Mortgage Group,  Ltd.,
("Bankers")  with its principal  place of business at 13101 Preston Road,  Suite
100, Dallas,  Texas 75240, and Millenium  Holding Group,  Inc., 12 Winding Road,
Henderson,  Nevada 89052  ("Borrower").  Prior to closing and funding this loan,
Millenium Holding Group, Inc. will set up an escrow account at the title company
at which the loan will close,  for fees due Bankers  Financial  Mortgage  Group,
Ltd. upon the actual funding of the loan.

1. Appointment.

The Borrower hereby  authorizes  Bankers,  on a nonexclusive  basis, to identify
investors,    underwriters,   joint   venturers,   lenders   and/or   guarantors
(collectively  "Investors") interested in providing Financing (as defined below)
for the Borrower on terms acceptable to the Borrower and the Investors.

Bankers shall obtain  information with respect to a specific project of Borrower
to be secured by a loan on Commercial Property located within the United States.
Borrower  shall complete FNMA Forms 1008,  1003 and authorize  Bankers to pull a
credit report (collectively  referred to as "Borrower's Data") and Bankers shall
submit such information to Investor.

Once a referral  has been made by Bankers,  it is agreed that the Bankers  shall
have no continuing role or part of the negotiations or relationship  between all
Investors that Bankers identifies to the Borrower (apart from any rights granted
under section 2). Bankers shall submit the information  provided by Borrower and
will  perform  all  reasonable  requests  of Investor as they relate to Bankers.
Investor  may reject or accept  any Loan  Application  at its sole and  complete
discretion. Bankers shall be in no way liable for any decision of Investor.

Bankers  shall be  eligible  to  receive  compensation  set forth  herein if (1)
Borrower  enters into a Commercial  Loan Contract with Investor  within 180 days
after  Bankers  submits  Borrower's  Data to Investor,  and (2) the subject loan
closes thereafter.

Bankers is not now nor shall it ever be, an agent of the Borrower.

It is  understood  that  Bankers is acting as a finder  only,  is not a licensed
securities or real estate banker or dealer, and shall have no authority to enter
into any  commitments  on the  Borrower's  behalf or to  negotiate  the terms of
Financing, or to hold any Funds or securities in connection with Financing or to
perform any act which would require  Bankers to become  licensed as a securities
or real estate banker or dealer.

2. Compensation.

If Financing is consummated within 180 days after termination of this Agreement,
then Bankers shall be entitled to a cash Fee as follows:

     2% of the gross loan amount approved by Investor to Borrower.

     "Financing", as used herein, shall mean all amounts furnished to or for the
     use of the Borrower with  Investors  directed or introduced  by, or through
     the efforts of, Bankers after the date of this Agreement.
<PAGE>
3. Fees.

The fees due  Bankers as set forth in Section 2 above  shall be paid  outside of
closing through an escrow account as described in the opening of this Agreement.

4. Publicity.

Neither  party shall  issue any press  releases  nor make any public  statements
regarding this Agreement without prior written consent of the other party unless
and until such disclosure is required by law or applicable regulation,  and then
only to the extent of such  requirement.  Neither party will use the trademarks,
service marks or logos of the other party  without the prior written  consent of
the other party.

5. Confidentiality.

5.1 Confidential  information.  "Confidential  Information" means this Agreement
and any non-public business or technical information of either party,  including
without  limitation,  information  relating  to either  party's  product  plans,
customers,  designs,  costs, products and services,  prices and names, finances,
marketing plans, business  opportunities,  personnel,  research,  development or
know-how that is designated by either party as "confidential" or "proprietary."

5.2  Confidentiality  Obligations.  During the term of this  Agreement and for a
period  of three (3) years  following  any  expiration  or  termination  of this
Agreement,  each party agrees:  (i) that it will not disclose to any third party
or use any Confidential Information disclosed to it by the other party except as
expressly permitted in this Agreement; and (ii) that it will take all reasonable
measures to maintain the confidentiality of all Confidential  Information of the
other party in its  possession  or control,  which will in no event be less than
the measure it uses to maintain the  confidentiality  of its own  information of
similar  importance.  Each party may disclose  Confidential  Information  of the
other party: (a) pursuant to an order or regulation of the court, the Securities
Exchange  Commission,  any  administrative  agency, or other  governmental body,
provided that the receiving party gives reasonable  notice to the other party to
contest  such  disclosure;  (b) on a  confidential  basis to a party's  legal or
financial  advisors.  Each party may also  disclose the terms and  conditions of
this  Agreement to a bona fide purchaser of all or  substantially  all of either
party's assets if such disclosure is part of a general due diligence  disclosure
to such purchaser.

5.3 Exclusions.  Confidential  Information will no include information that: (i)
is in or enters  the  public  domain  without  breach of this  Agreement  by the
receiving party;  (ii) the receiving party lawfully  receives from a third party
without   restriction  on  disclosure   and  without  breach  of   nondisclosure
obligation;   or  (iii)  the  receiving  party  knew  prior  to  receiving  such
information  from the  disclosing  party,  or (iv) the receiving  party develops
independently  without  use or  reference  to  the  other  party's  Confidential
Information.

6. Termination.

This  Agreement will commence as of the Effective Date and will continue for one
(1) year unless earlier termination as provided herein.

This  Agreement may be terminated at any time by either party by 30 days written
notice to the other party in  accordance  with the notice  provisions  listed in
Section 9, but such termination  shall not affect the obligation of the Borrower
<PAGE>
to pay Bankers' fee hereunder as to Financing  consummated within 180 days after
such  termination  with any Investor  directed or  introduced  by Bankers to the
Borrower or through the efforts of Bankers prior to such termination.

7. Accurate Information.

The Borrower  hereby  represents  and  warrants  that all  information  provided
Bankers  pertaining to the Borrower shall be true and correct;  and the Borrower
shall hold  Bankers  harmless  from any and all  liability,  expenses  or claims
arising from the disclosure or use of such information.

8. Applicable Law.

This Agreement is governed by and construed under the laws of the State of Texas
and any action  brought by either  party  against  the other party to enforce or
interpret this Agreement shall be brought in an appropriate court of such State.
In the event of any such action,  the  prevailing  party shall recover all costs
and expenses thereof including reasonable attorney's fees from the losing party.

9. Notices.

If to Borrower to:

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

If to Bankers to:

    Gregory A. Wallace, Vice President       cc:  Greg Graham
    Bankers Financial Mortgage Group, Ltd.        Black, Mann & Graham, L.L.P.
    13101 Preston Road, Suite 100                 17304 Preston Road, Suite 1200
    Dallas, TX 75240                              Dallas, TX 75252

or at such other  address for a party as shall be specified by like notice.  Any
notice, which is delivered  personally,  telecopied or sent by overnight express
in the manner  provided in this section  shall be deemed to have been duly given
to the party to whom it is  addressed  upon actual  receipt by such  party.  Any
notice  which is addressed  and mailed in the manner  herein  provided  shall be
conclusively presumed to have been given to the party to whom it is addressed at
the close of business,  local time of the  recipient,  on the third business day
after it is so placed in the mail.

10. Complete Understanding.

This Agreement  constitutes the entire agreement and  understanding  between the
parties and supersedes all prior agreements and understanding,  both written and
oral, between the parties hereto with respect to the subject matter.
<PAGE>
11. Headings and Capitalized Terms.

The headings herein are for  convenience  only, do not constitute a part of this
Agreement and shall not be deemed to limit or affect any of its provisions.

12. Successors and Assigns.

The terms and conditions of this Agreement  shall inure to the benefit of and be
binding upon the parties and their respective  successors and permitted assigns.
Neither  Bankers  nor  Borrower  may  assign  their  rights  or  delegate  their
obligations under this Agreement without the prior written consent of the other.

13. Modification and Waiver.

None of the  terms or  conditions  of this  Agreement  may be  waived  except in
writing by the party, which is entitled to the benefits thereof.  No supplement,
modification  or amendment of this Agreement shall be binding unless executed in
writing by Bankers  and  Borrower.  No waiver of any of the  provisions  of this
Agreement  shall be deemed or shall  constitute a waiver of any other  provision
(whether or not similar) nor shall such waiver constitute it continuing waiver.

14. Invalid Provisions.

If  any  provision  of  this  Agreement  is  held  to  be  illegal,  invalid  or
unenforceable   under   present  or  future  laws  by  any  court  of  competent
jurisdiction,  such illegality,  invalidity or unenforceability shall not affect
the legality,  enforceability or validity of any other provisions or of the same
provision  as  applied  to any  other  fact or  circumstance  and such  illegal,
unenforceable  or invalid  provision  shall be modified  to the  minimum  extent
necessary to make such provision  legal,  valid or enforceable,  as the case may
be.

If the foregoing correctly sets forth our Agreement,  please sign and return the
enclosed copy of this letter.

BANKERS FINANCIAL MORTGAGE GROUP, LTD.

         BY:

         NAME/TITLE: Gregory A. Wallace, VP
                     -----------------------------------------

         DATE: August 7, 2006

MILLENIUM HOLDING GROUP, INC.

     BY:

     NAME/TITLE: Richard Ham/President

     DATE: August 7, 2006
           ---------------------------------------------------

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