Document:

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                                                                    Exhibit 10.3

                              EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT ("Agreement") is made effective as of the 15th day of
March 1999, by and between Sky Alland Research, Inc., d/b/a Sky Alland, a
Maryland corporation (the "Company"), and Bradley H. Steer (the "Employee").

                              W I T N E S S E T H:

The Company desires to employ the Employee and the Employee is willing to accept
such employment with the Company on the terms and subject to the conditions and
limitations contained in this Agreement. Accordingly, in consideration of the
mutual promises and covenants contained in this Agreement, the parties agree as
follows:

1.       EMPLOYMENT. The Company hereby employs the Employee and the Employee
         hereby accepts employment with the Company on the terms and conditions
         set forth in this Agreement.

2.       DUTIES. The Employee shall perform, under the direction of the Chief
         Executive Officer, the duties of Senior Vice President of Sales for the
         Company. The Employee agrees to be so employed and shall devote his
         best efforts and substantially all of his business time to advance the
         interests of the Company, subject to reasonable vacations compatible
         with his position. The Employee shall perform his duties hereunder in
         compliance with all Company policies applicable thereto.

3.       EMPLOYMENT TERM. The term of the Employee's employment hereunder (the
         "Employment Term") shall commence as of the date hereof and,
         unless extended by the terms of this Paragraph 3 or otherwise
         modified by separate agreement signed by all parties hereto, or
         terminated as otherwise provided herein, shall terminate on March 15,
         2000. The term of the Employee's employment shall be renewed and
         extended automatically for additional one-year periods thereafter
         (each, an "Extended Employment Term"), until terminated pursuant to
         Paragraph 6 hereof. Paragraphs 8, 9, and 10 shall continue in force in
         accordance with provisions therein and shall survive the expiration of
         the Employment Term and each Extended Employment Term.

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4.       COMPENSATION. During the Employment Term and each Extended Employment
         Term under this Agreement, the Employee shall be paid his entire
         compensation for services performed under this Agreement as follows:

              a.    SALARY. The Employee shall receive a salary ("Salary") paid
                    at a rate of $150,000.00 annually, which shall be reviewed
                    at least annually by the Board of Directors and adjusted by
                    the Board of Directors in its sole discretion. The Salary
                    shall be paid in such increments as are established by the
                    Company, but in no event less frequently than once per
                    calendar month.

              b.    INCENTIVE COMPENSATION. The Employee will have the ability
                    to earn annual incentive compensation. The Employee will be
                    entitled to a $37,500 cash bonus (25% of annual base wage)
                    if, a) SKY records at least $25MM in FY 1999 revenue, and b)
                    at the end of one year employment, specific individual
                    performance objectives set by the Chief Executive Officer
                    and agreed to by the Employee, have been met. In accordance
                    with Sky Alland's Employee Stock Option Plan and subject to
                    Board approval, the Employee will receive an initial grant
                    to purchase 56,000 shares of Sky Alland stock at $8.00 per
                    share.

                    In addition, the Employee will be entitled to revenue-based
                    incentive payments according to the following schedule of
                    revenue targets and commensurate payouts for FY 1999:

------------------------------------------ ------------------------------------
         REVENUE TARGET                             ANNUAL PAYMENT
------------------------------------------ ------------------------------------
  Less than @26.8MM                                 - 0-
------------------------------------------ ------------------------------------
  $26.8MM - $28.3MM                                 $60,000.00
------------------------------------------ ------------------------------------
  $28.4MM - $29.9MM                                 $85,000.00
------------------------------------------ ------------------------------------
  $30.0MM - $31.5MM                                 $112,500.00
------------------------------------------ ------------------------------------
  $31.6MM - $33.1MM                                 $150,000.00
------------------------------------------ ------------------------------------
  $33.2MM - $34.7MM                                 $190,000.00
------------------------------------------ ------------------------------------

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                    The Company will guarantee (at the $60,000.00 level) the
                    revenue-based incentive for the first six months' of the
                    Employee's initial employment term, and will pay it
                    quarterly. The Company will continue to pay the
                    revenue-based incentive quarterly (at the $60,000.00 level)
                    provided the Company's revenues are at least meeting its
                    "worst case" budget scenario -- for FY 1999 this is $26.8MM
                    of revenue, with $5,017MM earned in Q1, $6,443MM in Q2,
                    $7,618MM in Q3 and $7,733 in Q4.

5.       OTHER BENEFITS.

         a.   In addition to the compensation set forth in Paragraph 4, the
              Company shall provide for the Employee, during the Employment Term
              and each Extended Employment Term, the following benefits:

                  (i)    payment of premiums for a medical insurance plan
                         covering the Employee, including hospitalization, major
                         medical, dental and prescriptions, and payment of the
                         premiums for his dependents for inclusion in such
                         medical insurance plan, in such amounts which the
                         Company will pay on behalf of its other management
                         officials, if at all;

                  (ii)   disability and life insurance, if any, upon the same
                         terms and conditions which the Company will grant to
                         other management officials, if at all;

                  (iii)  the same or similar leave or absence from work on
                         account of personal illness as is the policy of the
                         Company to grant to other management officials;

                  (iv)   such number of days of vacation per each calendar year
                         as the Company grants to other management officials, or
                         such greater number of days of vacation as may be
                         determined in the discretion of the Chief Executive
                         Officer. It is the intention of the parties that the
                         Employee take all vacation allotted to him within the
                         calendar year for which the vacation is awarded,
                         consistent with his duties and the demands on his time
                         made from the ongoing operation of the Company's
                         business. Should the Employee not take all of the
                         allotted days of vacation in a given calendar year
                         which he is entitled to take, he will lose that
                         vacation time and will not be entitled either to carry
                         over the unused vacation to succeeding years or to
                         receive payment in respect of such unused vacation; and

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         b.   REIMBURSEMENT FOR REASONABLE BUSINESS EXPENSES. The Company shall
              reimburse the Employee for reasonable ordinary and necessary
              expenses incurred by him in connection with the performance of his
              duties pursuant to this Agreement.

6.       TERMINATION OF EMPLOYMENT.

         a.   TERMINATION UPON DEATH OR DISABILITY. The Employee's employment
              and this Agreement shall terminate immediately upon the Employee's
              death or upon the certification by a duly licensed physician that
              the Employee is mentally or physically incapable of performing his
              duties hereunder. He, or his estate or heirs, as the case may be,
              shall be entitled to receive his rights vested as of the date of
              such termination, prorated to that date, and, in the case of
              termination on account of disability, he, or his estate or heirs,
              as the case may be, shall be entitled to receive disability
              benefits as provided under Paragraph 5a(ii), if any.

         b.   TERMINATION FOR CAUSE. At any time during the Employment Term or
              any Extended Employment Term hereunder, the Company shall be
              entitled to terminate the Employee's employment for Cause. Such
              Termination for Cause shall be effective immediately following the
              delivery by the Company to the Employee of a written notice
              thereof specifying the Cause. For this purpose, "Cause" shall
              mean: (i) fraud or embezzlement by the Employee in the course of
              employment; (ii) conviction of a felony or of any crime involving
              moral turpitude; or (iii) willful misconduct or gross negligence
              in the performance of his duties hereunder. In the event of such
              termination, the Company shall pay the Employee his Salary through
              the date of such termination plus one week's severance for each
              month of employment not to exceed 24 weeks, and the Employee on
              account of such termination shall automatically be divested of any
              Incentive Compensation accruing or owed as of the date of such
              termination.

         c.   TERMINATION WITHOUT CAUSE. Effective at any time from the date
              hereof during the Employment Term, or at any time during any
              Extended Employment Term, the Company may terminate the Employee's
              employment without Cause. In the event of Termination without
              Cause, the Employee shall be entitled to receive his Salary
              through the date of

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              termination, plus one week's severance for each month, or partial
              month, of employment, not to exceed 24 weeks, and with a minimum
              of 12 weeks, and the Employee shall be entitled to any incentive
              compensation earned and accrued as of the date of such
              termination, pro rated through the effective date of such
              termination. During the period of severance, Company shall
              continue to provide all benefits to the Employee that the Employee
              had been entitled to prior to Termination (defined in section 5 of
              this agreement), and continue to pay for such benefits at the same
              rate as before. Specifically, this is to include medical and other
              such benefits as is typically provided to senior management. In
              addition to the severance compensation, Employee shall be entitled
              to receive compensation at his standard pay rate for any unused
              but accrued vacation days through the date of termination.

7.       DISCOVERIES. The Employee will promptly disclose to the Company each
         improvement, discovery, development, idea, and invention, whether
         patentable or not, directly or indirectly relating to the business or
         products of the Company, made or conceived, in whole or in part, by the
         Employee while employed by the Company (whether or not during Company
         working hours) if such improvement, discovery, development, idea, or
         invention directly or indirectly then results from or was suggested by
         such employment, in whole or in part. Each such improvement, discovery,
         development, idea, and invention shall be the sole and exclusive
         property of, and is hereby assigned to, the Company.

8.       COMPETITION. For the period following the last day of employment, and
         for the entire time in which Employee shall receive Salary or Severance
         compensation under this Agreement the Employee will not, without the
         prior written consent of the Company, solicit or engage directly or
         indirectly in any business or activity (either financially or as a
         shareholder, employee, officer, partner, independent contractor,
         consultant, advisor or owner, or in any other capacity, including, but
         not limited to, any capacity calling for the making of any investment
         or rendition of personal services or acts of management, operation or
         control) which is competitive with the "Company Business" within the
         geographic area in which any such Company Business is now being
         conducted by the Company. For purposes of the Agreement, the term
         "Company Business" shall mean the business of providing integrated
         customer management services,

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         including but not limited to outsourced telephone and Internet
         marketing and customer service, enhanced by computerized database
         management and analysis.

9.       CONFIDENTIALITY. The Employee agrees not to divulge, furnish or make
         accessible to any person or entity, and to keep strictly and absolutely
         confidential during the initial Employment Term, each Extended
         Employment Term, if any, and forever thereafter, any confidential or
         secret aspect of the business of the Company or any related company,
         including, but not limited to, the finances, trade secrets, customers,
         customer lists, suppliers, supplier lists, sales or distribution agents
         and representatives, sales or distribution agent and representative
         lists, methods, arts or processes, and the business plans and marketing
         strategies of the Company. All records, files, drawings, documents,
         models, equipment, computer software and the like relating to the
         business of the Company which the Employee shall prepare or use or come
         into contact with shall remain the sole property of the Company.

10.      INJUNCTIVE RELIEF. The Employee acknowledges that his compliance with
         his agreements in Paragraphs 8 and 9 is necessary to protect the
         goodwill and other proprietary interests of the Company. The Employee
         acknowledges that a breach of his agreements in Paragraphs 8 or 9 will
         result in irreparable and continuing damage to the Company and the
         business of the Company for which there will be no adequate remedy at
         law, and agrees that, in the event of any breach of the aforesaid
         agreements, the Company and its successors and assigns shall be
         entitled to injunctive relief and to such other and further relief as
         may be proper.

11.      ENTIRE AGREEMENT. This Agreement contains the entire agreement of the
         parties with respect to the Employee's employment by the Company and
         supersedes any prior agreements between them, whether oral or written.

12.      AMENDMENTS. Any amendment to this Agreement shall be made in writing
         and signed by both parties hereto.

13.      ENFORCEABILITY. If any provision of this Agreement shall be found by a
         court with proper jurisdiction to be invalid or unenforceable, in whole
         or in part, then such provision shall be

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         deemed to be modified, narrowed, or restricted only to the limited
         extent and in the manner necessary to render the same valid and
         enforceable, as the case may require, and this Agreement shall be
         construed and enforced to the maximum extent permitted by law as if
         such provision had been originally incorporated herein as so modified,
         narrowed, or restricted.

14.      SUCCESSORS. This Agreement shall inure to the benefit of and shall be
         assignable to the successors of the business of the Company. This
         Agreement is personal to the Employee and may not be assigned by him.

15.      WAIVERS. A waiver by one party of any breach of or failure to comply
         with any provision of this Agreement by the other party shall not be
         construed as a waiver of any other provision, or a waiver of a breach
         of any other provision, of this Agreement.

16.      NOTICES. Unless otherwise notified in writing to the contrary, any
         notice required or permitted by the terms hereof shall be effectively
         delivered for all purposes if delivered personally, upon delivery, or
         if mailed, upon deposit in the United States mail, registered or
         certified, postage prepaid, and if directed to the Company at its
         principal business office and in the case of the Employee, to his
         address appearing on the records of the Company, or to such other
         address as he may designate in writing to the Company.

17.      GOVERNING LAW. This Agreement shall be governed by and construed in
         accordance with the laws of the State of Maryland.

IN WITNESS WHEREOF, this Agreement has been executed by the parties hereto to be
effective on the date first above written.

Sky Alland Research, Inc.
d/b/a Sky Alland

By:/s/ Richard T. Hebert                              /s/ Bradley H. Steer
   ----------------------------                       -------------------------
      Richard T. Hebert                                Bradley H. Steer
      Chief Executive Officer                          Employee

                                       7<PAGE>

                                                                    Exhibit 10.4

                              EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT ("Agreement") is made effective as of the 16th day of
March, 1998, by and between Sky Alland Research, Inc., d/b/a Sky Alland
Marketing a Maryland corporation (the "Company"), and Steven G. Krumenaker (the
"Employee").

                              W I T N E S S E T H:

The Company desires to employ the Employee and the Employee is willing to accept
such employment with the Company on the terms and subject to the conditions and
limitations contained in this Agreement. Accordingly, in consideration of the
mutual promises and covenants contained in this Agreement, the parties agree as
follows:

1.       EMPLOYMENT. The Company hereby employs the Employee and the Employee
         hereby accepts employment with the Company on the terms and conditions
         set forth in this Agreement.

2.       DUTIES. The Employee shall perform, under the direction of the
         President and the Board of Directors, the duties of Senior Vice
         President and General Manager of the Database Technologies Unit for the
         Company. The Employee agrees to be so employed and shall devote his
         best efforts and substantially all of his business time to advance the
         interests of the Company, subject to reasonable vacations compatible
         with his position. The Employee shall perform his duties hereunder in
         compliance with all Company policies applicable thereto.

3.       EMPLOYMENT TERM. The term of the Employee's employment hereunder (the
         "Employment Term") shall commence as of the date hereof and, unless
         extended by the terms of this Paragraph 3 or otherwise modified by
         separate agreement signed by all parties hereto, or terminated as
         otherwise provided herein, shall terminate on March 16, 1999. The term
         of the Employee's employment shall be renewed and extended
         automatically for additional one-year periods thereafter (each, an
         "Extended Employment Term"), until terminated pursuant to Paragraph 6
         hereof. Paragraphs 8, 9, and 10 shall continue in force in accordance
         with

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         provisions therein and shall survive the expiration of the Employment
         Term and each Extended Employment Term.

4.       COMPENSATION. During the Employment Term and each Extended Employment
         Term under this Agreement, the Employee shall be paid his entire
         compensation for services performed under this Agreement as follows:

              a.  SALARY. The Employee shall receive a salary ("Salary") paid at
                  a rate of $12,500 per month, which shall be reviewed at least
                  annually by the Board of Directors and adjusted by the Board
                  of Directors in its sole discretion. The Salary shall be paid
                  in such increments as are established by the Company, but in
                  no event less frequently than once per calendar month.

              b.  INCENTIVE COMPENSATION. The Employee will have the ability to
                  earn a first year success fee of $15k based on accomplishing
                  mutually agreed upon objectives for the Database Unit. The
                  Employee will participate in the executive bonus plan, which
                  will enable him to earn up to 25% of his 1998 base pay if the
                  Company achieves its 1998 objectives. In accordance with Sky
                  Alland's Employee Stock Option Plan and subject to Board
                  approval, the Employee will receive 40,000 options at the
                  "current market" exercise price of S6.00 per share.

5.       OTHER BENEFITS.

         a.   In addition to the compensation set forth in Paragraph 4. the
              Company shall provide for the Employee, during the Employment Term
              and each Extended Employment Term, the following benefits:

                  (i)    payment of premiums for a medical insurance plan
                         covering the Employee, including hospitalization, major
                         medical, dental and prescriptions, and payment of the
                         premiums for his dependents for inclusion in such
                         medical insurance plan, in such amounts which the
                         Company will pay on behalf of its other management
                         officials, if at all;

                                       2
<PAGE>

                  (ii)  disability and life insurance, if any, upon the same
                        terms and conditions which the Company will grant to
                        other management officials, if at all;

                  (iii) the same or similar leave or absence from work on
                        account of personal illness as is the policy of the
                        Company to grant to other management officials;

                  (iv)  such number of days of vacation per each calendar year
                        as the Company grants to other management officials, or
                        such greater number of days of vacation as may be
                        determined in the discretion of the Board of Directors.
                        It is the intention of the parties that the Employee
                        take all vacation allotted to him within the calendar
                        year for which the vacation is awarded, consistent with
                        his duties and the demands on his time made from the
                        ongoing operation of the Company's business. Should the
                        Employee not take all of the allotted days of vacation
                        in a given calendar year which he is entitled to take,
                        he will lose that vacation time and will not be entitled
                        either to carry over the unused vacation to succeeding
                        years or to receive payment in respect of such unused
                        vacation; and

         b.   REIMBURSEMENT FOR REASONABLE BUSINESS EXPENSES. The Company shall
              reimburse the Employee for reasonable ordinary and necessary
              expenses incurred by him in connection with the performance of his
              duties pursuant to this Agreement.

6.       TERMINATION OF EMPLOYMENT.

         a.   TERMINATION UPON DEATH OR DISABILITY. The Employee's employment
              and this Agreement shall terminate immediately upon the Employee's
              death or upon the certification by a duly licensed physician that
              the Employee is mentally or physically incapable of performing his
              duties hereunder. He, or his estate or heirs, as the case may be,
              shall be entitled to receive his rights vested as of the date of
              such termination, prorated to that date, and, in the case of
              termination on account of disability, he, or his estate or heirs,
              as the case may be, shall be entitled to receive disability
              benefits as provided under Paragraph 5a(ii), if any.

         b.   TERMINATION FOR CAUSE. At any time during the Employment Term or
              any Extended Employment Term hereunder, the Company shall be
              entitled to terminate the Employee's

                                       3
<PAGE>

              employment for Cause. Such Termination for Cause shall be
              effective immediately following the delivery by the Company to the
              Employee of a written notice thereof specifying the Cause. For
              this purpose, "Cause" shall mean: (i) fraud or embezzlement by the
              Employee in the course of employment; (ii) conviction of a felony
              or of any crime involving moral turpitude; or (iii) willful
              misconduct or gross negligence in the performance of his duties
              hereunder. In the event of such termination, the Company shall pay
              the Employee his Salary through the date of such termination plus
              one week's severance for each month of employment not to exceed 24
              weeks, and the Employee on account of such termination shall
              automatically be divested of any Incentive Compensation accruing
              or owed as of the date of such termination.

         c.   TERMINATION WITHOUT CAUSE. Effective at any time from the date
              hereof during the Employment Term, or at any time during any
              Extended Employment Term, the Company may terminate the Employee's
              employment without Cause. In the event of Termination without
              Cause, the Employee shall be entitled to receive his Salary
              through the date of termination, plus one week's severance for
              each month, or partial month, of employment, not to exceed 24
              weeks, and with a minimum of 12 weeks, and the Employee shall be
              entitled to any incentive compensation earned and accrued as of
              the date of such termination, pro rated through the effective date
              of such termination. During the period of severance, Company shall
              continue to provide all benefits to the Employee that the Employee
              had been entitled to prior to Termination (defined in section 5 of
              this agreement), and continue to pay for such benefits at the same
              rate as before. Specifically, this is to include medical and other
              such benefits as is typically provided to senior management. In
              addition to the severance compensation, Employee shall be entitled
              to receive compensation at his standard pay rate for any unused
              but accrued vacation days through the date of termination.

              In the event that Termination without Cause is due to the Company
              shutting down either the Database Unit or the Company's New Jersey
              Office, and that Company and Employee can not come to an agreement
              as to duties following such a closure, the severance shall be set
              at 24 weeks, regardless of the number of weeks otherwise accrued
              in this section.

                                       4
<PAGE>

7.       DISCOVERIES. The Employee will promptly disclose to the Company each
         improvement, discovery, development, idea, and invention, whether
         patentable or not, directly or indirectly relating to the business or
         products of the Company, made or conceived, in whole or in part, by the
         Employee while employed by the Company (whether or not during Company
         working hours) if such improvement, discovery, development, idea, or
         invention directly or indirectly then results from or was suggested by
         such employment, in whole or in part. Each such improvement, discovery,
         development, idea, and invention shall be the sole and exclusive
         property of, and is hereby assigned to, the Company.

8.       COMPETITION. For the period following the last day of employment, and
         for the entire time in which Employee shall receive Salary or Severance
         compensation under this Agreement (except if Severance is a result of
         shutting either the New Jersey Office or the Database Unit, as
         described in section 5c), the Employee will not, without the prior
         written consent of the Company, solicit or engage directly or
         indirectly in any business or activity (either financially or as a
         shareholder, employee, officer, partner, independent contractor,
         consultant, advisor or owner, or in any other capacity, including, but
         not limited to, any capacity calling for the making of any investment
         or rendition of personal services or acts of management, operation or
         control) which is competitive with the "Company Business" within the
         geographic area in which any such Company Business is now being
         conducted by the Company. For purposes of the Agreement, the term
         Company Business" shall mean the business of providing integrated
         customer management services, including but not limited to outsourced
         telephone and Internet marketing and customer service, enhanced by
         computerized database management.

9.       CONFIDENTIALITY. The Employee agrees not to divulge, furnish or make
         accessible to any person or entity, and to keep strictly and absolutely
         confidential during the initial Employment Term, each Extended
         Employment Term, if any, and forever thereafter, any confidential or
         secret aspect of the business of the Company or any related company,
         including, but not limited to, the finances, trade secrets, customers,
         customer lists, suppliers, supplier lists, sales or

                                       5
<PAGE>

         distribution agents and representatives, sales or distribution agent
         and representative lists, methods, arts or processes, and the business
         plans and marketing strategies of the Company. All records, files,
         drawings, documents, models, equipment, computer software and the like
         relating to the business of the Company which the Employee shall
         prepare or use or come into contact with shall remain the sole property
         of the Company.

10.      INJUNCTIVE RELIEF. The Employee acknowledges that his compliance with
         his agreements in Paragraphs 8 and 9 is necessary to protect the
         goodwill and other proprietary interests of the Company. The Employee
         acknowledges that a breach of his agreements in Paragraphs 8 or 9 will
         result in irreparable and continuing damage to the Company and the
         business of the Company for which there will be no adequate remedy at
         law, and agrees that, in the event of any breach of the aforesaid
         agreements, the Company and its successors and assigns shall be
         entitled to injunctive relief and to such other and further relief as
         may be proper.

11.      ENTIRE AGREEMENT. This Agreement contains the entire agreement of the
         parties with respect to the Employee's employment by the Company and
         supersedes any prior agreements between them, whether oral or written.

12.      AMENDMENTS. Any amendment to this Agreement shall be made in writing
         and signed by both parties hereto.

13.      ENFORCEABILITY. If any provision of this Agreement shall be found by a
         court with proper jurisdiction to be invalid or unenforceable, in whole
         or in part, then such provision shall be deemed to be modified,
         narrowed, or restricted only to the limited extent and in the manner
         necessary to render the same valid and enforceable, as the case may
         require, and this Agreement shall be construed and enforced to the
         maximum extent permitted by law as if such provision had been
         originally incorporated herein as so modified, narrowed, or restricted.

14.      SUCCESSORS. This Agreement shall inure to the benefit of and shall be
         assignable to the successors of the business of the Company. This
         Agreement is personal to the Employee and

                                       6
<PAGE>

         may not be assigned by him.

15.      WAIVERS. A waiver by one party of any breach of or failure to comply
         with any provision of this Agreement by the other party shall not be
         construed as a waiver of any other provision, or a waiver of a breach
         of any other provision, of this Agreement.

16.      NOTICES. Unless otherwise notified in writing to the contrary, any
         notice required or permitted by the terms hereof shall be effectively
         delivered for all purposes if delivered personally, upon delivery, or
         if mailed, upon deposit in the United States mail, registered or
         certified, postage prepaid, and if directed to the Company' at its
         principal business office and in the case of the Employee, to his
         address appearing on the records of the Company, or to such other
         address as he may designate in writing to the Company.

17.      GOVERNING LAW. This Agreement shall be governed by and construed in
         accordance with the laws of the State of Maryland.

IN WITNESS WHEREOF, this Agreement has been executed by the parties hereto to be
effective on the date first above written.

                                Sky Alland Research, Inc.
                                d/b/a Sky Alland Marketing

                                By:/s/ Richard T. Hebert
                                   -------------------------
                                   Richard T. Hebert
                                   Chief Executive

                                   /s/ Steven G. Krumenaker
                                   ---------------------------
                                   Steven G. Krumenaker

                                       7

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