Document:

EXHIBIT 10.3

                         FINANCIAL CONSULTING AGREEMENT

         THIS FINANCIAL CONSULTING AGREEMENT (this "agreement"), made as of this
day of March 2002, is by and between, Warp Solutions, Inc., a Delaware
corporation with its principal place of business at 627 Greenwich Street, New
York, NY 10014, its subsidiaries, affiliates and successors (the "Company"), and
Lighthouse Capital Ltd, a New York corporation ("Lighthouse"), with its
principal place of business at 594 Broadway, Suite 302, New York, NY 10012.

                                                 R E C I T A L S:

         A. The Company desires to retain Lighthouse to provide certain
financial consulting services.

         B. Lighthouse desires to provide certain financial consulting services
to the Company in accordance with the terms and conditions contained
hereinafter.

         NOW, THEREFORE, in consideration of the mutual promises,
representations and warranties set forth herein, the parties hereto hereby agree
as follows:

         1 . Consulting Services. During the term of this agreement, Lighthouse
is hereby retained by the Company to provide financial consulting services to
the Company, as said services relate to certain capital raising activities and
the merger or other business combination transaction between the Company and
Camden Mines, Inc. (the "Transaction"). Lighthouse shall provide such financial
consulting services as reasonably requested by the Company during the term of
this agreement which may include, but not be limited to:

         i) Assist the Company with its current plan to obtain $3 million in
financing, net of the fees payable to Lighthouse under this agreement and the
cost of acquiring the Camden Shares, through the sale of seven million shares of
Company common stock. It is understood that the final terms and conditions of
any financing must be acceptable to the Board of Directors of the Company and
the investors, however there can be no assurances that the Company will receive
financing during the term of this agreement. It is also understood that any
funds that the Company raises under this agreement will remain in an escrow
account ("Escrow Funds") and only be distributed to the Company simultaneously
with the closing of the Transaction and as described in greater detail in the
Escrow Agreement between the Company and Lighthouse dated ____________.

         ii) In association with financing efforts, Lighthouse will seek to
communicate and clarify the Company's business model, strategic objectives and
inherent value to the investment community. This may include assessing the
current promotional and public relations efforts and providing suggestions where
appropriate.

         iii) Make necessary presentations to institutional funds, registered
representatives and shareholders in order to inform them with respect to the
affairs of the Company and maintain timely personal contact with such
institutional funds, registered representatives and shareholders to assure their
awareness of the Company's performance, including the forwarding of its
corporate profile, materials published in newspapers, magazines and journals,
press releases, brochures and mailers provided by the Company, provided however;
that all such presentations shall be in conformance with applicable federal and
state securities laws, or exemptions therefrom, and that Lighthouse shall only
distribute materials which have been approved in writing by the Company.

         iv) Identify registered representatives (stockbrokers) and portfolio
managers (collectively "advisers") who may be interested in considering for the
portfolio of their customers, the common stock of the Company, introducing the
Company to such advisers and coordinating communications and relationships with
such advisers on behalf of the Company, all in order to develop and expand a
network of advisers who are well informed regarding the Company.

         Nothing hereunder shall require Lighthouse to devote a minimum number
of hours per calendar month toward the performance of services hereunder. Unless
otherwise agreed to by Lighthouse, all services hereunder shall be performed by
Lighthouse, in its sole discretion, at its principal place of business or other
offices. Notwithstanding anything contained herein to the contrary, the services
to be performed by Lighthouse hereunder may be performed by any employee or
consultant to Lighthouse, provided however, that Lighthouse must get the
approval in writing of the Company prior to the use of any and all consultants.

         2. Term. The term of this agreement shall be for four (4) months
commencing as of the date of signing of this agreement. This agreement may be
renewed or extended by the mutual agreement of the parties. This agreement
automatically terminates if the Company has not accepted the Escrow Funds within
120 days from the

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date the Escrow Funds are deposited into the escrow account. Notwithstanding any
termination of this agreement pursuant to the terms hereof or otherwise, if one
(1) year from the date of introduction to the Company of an entity, which will
be presented in writing to the Company, the Company enters into a definitive
commitment relating to a Financing (or any portion thereof) or non-financing
capital transaction with such entity, the Company shall pay to Lighthouse fees
in accordance with the terms and provisions of Sections 3(i) or 3(ii), as
applicable. Notwithstanding the date of signature of this agreement, this
agreement shall only become effective and binding on the parties hereto, upon
the Company's receipt of written approval from its Series A Preferred, Series B
Preferred and Series C Preferred stockholders of the terms of the Transaction.

         3.       Compensation.

         (i) In the event the Company effectuates a capital raising or other
financing or merger/acquisition transaction ("Transaction") pursuant to which
the Company receives cash (or other form of consideration) from an entity in
consideration of its issuance of voting and/or non-voting common, preferred or
convertible stock, notes, bonds, debentures or other securities or instruments
and such Transaction is effectuated as a result of any introduction to the
entity made directly by Lighthouse to the Company, then the Company hereby
agrees to pay Lighthouse a cash fee equal to 14% of the first $3.5 million so
raised. The total compensation to Lighthouse is to be paid only with the
proceeds of funds raised between $3 million and $3.5 million.

         (ii) Until such time when $3.5 million in gross proceeds has been
raised by or for the Company during the term of this agreement, either by
Lighthouse or another entity, the Company agrees to compensate Lighthouse if a
Transaction, as defined in Section 3 (i) hereof, is consummated with any other
entity that may be negotiated directly by or for the Company, or introduced to
the Company, by an intermediary other than Lighthouse or its affiliates, or
through another method unrelated to Lighthouse. In such case, it is agreed that
the total fee to Lighthouse will be 5% of the amount of such Transaction, but
not to exceed an aggregate of $150,000 unless agreed to by the Company.
Notwithstanding anything to the contrary Lighthouse shall not be entitled to any
compensation in connection with money raised from the persons and/or entities
set forth on Schedule A attached hereto.

         4. Transfer Sheets, DTC Sheets and Standard & Poor's/Moody's Listing.
For a period of two (2) years from its public listing, and at its expense, the
Company shall provide Lighthouse with copies of its monthly transfer sheets and
weekly Depository Trust Company transaction summary records. The Company agrees
that for a period of five years from its public listing it will use its best
efforts to register and remain covered by the Corporation Records Service
published by Standard & Poor's or Moody's.

         5. Board of Directors. During the five (5) years following the closing
of the Company's acquisition of the Camden Shares, the group of investors, as a
group, which acquired the seven million shares of Company common stock
identified in Section 1(i) of this agreement (the "Lighthouse Investors") shall
have the right to (i) have their designee receive at least ten (10) days' prior
notice to any meeting of the Board of Directors of the Company (or any action to
be taken by written consent without such meeting) or such lesser reasonable
notice as the Company shall have provided to its directors, (ii) at the option
of the Lighthouse Investors, have any person designated by them attend any and
all such meetings of the Board of Directors; and (iii) at the option of the
Lighthouse Investors, to designate one (1) director to the Board of Directors of
the Company. Such designee, if elected or appointed, shall attend meetings of
the Board and receive the same compensation that is paid to other non-management
directors of the Company and shall be entitled to receive reimbursement for all
reasonable expenses incurred in attending such meetings. In the event the
Company maintains a liability insurance policy affording coverage for the acts
of its officers and directors, it will agree, if possible, to include the
Lighthouse Investors' designee as an insured under such policy.

         6. Representations and Warranties of the Company. The Company hereby
represents and warrants that any and all information supplied hereunder to
Lighthouse in connection with any and all services to be performed hereunder by
Lighthouse for and on behalf of the Company shall be true, complete and correct
as of the date of such dissemination and shall not fail to state a material fact
necessary to make any of such information not misleading. The Company hereby
acknowledges that the ability of Lighthouse to adequately provide financial
consulting services hereunder is dependent upon the prompt dissemination of
accurate, correct and complete information to Lighthouse. The Company further
represents and warrants hereunder that this agreement and the transactions
contemplated hereunder, have been duly and validly authorized by all requisite
corporate action; that the Company has the full right, power and capacity to
execute, deliver and perform its obligations hereunder; and that this agreement,
upon execution and delivery of the same by the Company, will represent the valid
and binding obligation of the Company enforceable in accordance with its terms.
The representations and warranties set forth

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herein shall survive the termination of this agreement.

         7. Representations and Warranties of Lighthouse. The representations
and warranties set forth herein shall survive the termination of this agreement.

         (a) Due Authorization. Lighthouse represents and warrants hereunder
that this agreement and the transactions contemplated hereunder, have been duly
and validly authorized by all requisite corporate action; that Lighthouse has
the full right, power and capacity to execute, deliver and perform its
obligations hereunder; and that this agreement, upon execution and delivery of
the same by Lighthouse, will represent the valid and binding obligation of
Lighthouse enforceable in accordance with its terms.

         (b) Qualifications. Lighthouse represents and warrants that it shall
not be in violation of any federal, state or regulatory laws or rules by
providing the services to the Company contemplated by this agreement and that
likewise its receipt hereunder of the 14%, or other, cash fee for such services
shall not be in violation of any federal, state or regulatory laws or rules.

         (c) No Disqualifications. Neither Lighthouse, nor its principles,
officers, directors, employees or any person to whom a fee is paid in connection
with the Transaction:

         (i) Has been convicted within ten years prior to the date hereof of any
         crime or offense involving the purchase or sale of any security,
         involving the making of a false statement with the Securities and
         Exchange Commission (the "SEC"), or arising out of such person's
         conduct as an underwriter, broker, dealer, municipal securities dealer
         or investment adviser;

         (ii) Is subject to any order, judgment or decree of any court of
         competent jurisdiction temporarily or preliminarily enjoining or
         restraining, or is subject to any order, judgment, or decree of any
         court of competent jurisdiction, entered within five years prior to the
         date hereof, permanently enjoining or restraining such person from
         engaging in or continuing any conduct or practice in connection with
         the purchase or sale of any security, involving the making of a false
         filing with the SEC, or arising out of the conduct of the business of
         an underwriter, broker, dealer, municipal securities dealer or
         investment adviser;

         (iii) Is subject to an order of the SEC entered pursuant to section
         15(b), 15B(a), or 15B(c) of the Exchange Act; or is subject to an order
         of the SEC entered pursuant to section 203(e) or (f) of the Investment
         Advisers Act of 1940;

         (iv) Is suspended or expelled from membership in, or suspended or
         barred from association with a member of, an exchange registered as a
         national securities exchange pursuant to section 6 of the Exchange Act,
         an association registered as a national securities association under
         section 15A of the Exchange Act, or a Canadian securities exchange or
         association for any act or omission constituting conduct inconsistent
         with just and equitable principles of trade;

         (v) Is subject to a United States Postal Service false representation
         order entered within five years prior to the date hereof; or is subject
         to a restraining order or preliminary injunction entered under section
         3007 of title 39, United States Code, with respect to any conduct
         alleged to constitute postal fraud;

         (vi) Has been or has been named as an underwriter of any securities
         covered by any registration statement which is the subject of any
         pending proceeding or examination under section 8 of the Securities
         Act, or is the subject of any refusal order or stop order entered
         thereunder within five years prior to the date hereof;

         (vii) Has been or has been named as an underwriter of any securities
         covered by any filing which is subject to any pending proceeding under
         Rule 261 or any similar Rule adopted under section 3(b) of the
         Securities Act, or to an order entered thereunder within five years
         prior to the date hereof;

         (viii) Has taken or failed to take any other act, or are subject to any
         other order or proceedings, that would make unavailable any limited
         offering exemption from registration or qualification requirements of
         federal or state securities laws;

         (ix) Has filed a registration statement that is the subject of a
         currently effective stop order entered pursuant to any state's
         securities law within five years prior to the date hereof;

<PAGE>

         (x) Has been convicted within five years prior to the date hereof of
         any felony or misdemeanor in connection with the offer, purchase or
         sale of any security or any felony involving fraud or deceit, including
         but not limited to forgery, embezzlement, obtaining money under false
         pretenses, larceny or conspiracy to defraud;

         (xi) Is currently subject to any state administrative enforcement order
         or judgment entered by that state's securities administrator within
         five years prior to the date hereof or is subject to any state's
         administrative enforcement order or judgment in which fraud or deceit,
         including but not limited to making untrue statements of material facts
         and omitting to state material facts, was found and the order or
         judgment was entered within five years prior to the date hereof;

         (xii) Is subject to any state's administrative enforcement order or
         judgment that prohibits, denies or revokes the use of any exemption
         from registration in connection with the offer, purchase or sale of
         securities; or

         (xiii) Is currently subject to any order, judgment or decree of any
         court of competent jurisdiction temporarily or preliminarily
         restraining or enjoining, or is subject to any order, judgment or
         decree of any court of competent jurisdiction permanently restraining
         or enjoining, such party from engaging in or continuing any conduct or
         practice in connection with the purchase or sale of any security or
         involving the making of any false filing with the state entered within
         five years prior to the date hereof.

         8.       Indemnification.

         (a) The Company hereby agrees to indemnify, defend and hold harmless
Lighthouse, its officers, directors, principals, employees, partners,
consultants, affiliates, and shareholders, and their successors and assigns from
and against any and all claims, damages, losses, liability, deficiencies,
actions, suits or proceedings (collectively the "Losses") arising out of or
resulting from: (i) any breach of a representation, or warranty by the Company
contained in this agreement; or (ii) any activities or services performed
hereunder by Lighthouse, unless such Losses were the result of the misconduct or
negligence of Lighthouse or were the result of any information supplied by
Lighthouse; and (iii) any and all costs and expenses (including reasonable
attorneys' and paralegals' fees) related to the foregoing, and as more fully
described below. Lighthouse hereby agrees to indemnify, defend and hold harmless
the Company, and its officers, directors and shareholders, and their successors
and assigns from and against any and all Losses arising out of or resulting from
(i) any breach of a representation, or warranty by Lighthouse contained in this
agreement; (ii) the misconduct or negligence of Lighthouse, unless such Losses
were the result of any written or public information supplied by the Company;
and (iii) any and all costs and expenses (including reasonable attorneys' and
paralegals' fees) related to the foregoing, and as more fully described below.
Additionally, Lighthouse agrees, should the Company be liable for any Losses as
a result of Lighthouse's breach of the representations and warranties contained
in Section 7(b) hereof, that it will refund to the Company, within 30 days, all
fees paid to it under this agreement. Lighthouse shall also indemnify the
Company for all Losses incurred by the Company as the result of Lighthouse's
breach of the representations and warranties contained in Section 7(b) hereof.

         (b) If Lighthouse or the Company (in each case, the "Indemnified
Party") receives written notice of the commencement of any legal action, suit or
proceeding with respect to which the Company or Lighthouse (in each case, the
"Indemnifying Party") is or may be obligated to provide indemnification pursuant
to this Section 7, the Indemnified party shall, within thirty (30) days of the
receipt of such written notice, give the Indemnifying Party written notice
thereof (a "Claim Notice"). Failure to give such Claim Notice within such thirty
(30) day period shall not constitute a waiver by the Indemnified Party of its
right to indemnity hereunder with respect to such action, suit or proceeding if
the Indemnifying Party is not materially adversely affected by such delay. Upon
receipt by the Indemnifying Party of a Claim Notice from the Indemnified Party
with respect to any claim for indemnification which is based upon a claim made
by a third party ("Third Party Claim"), the Indemnified Party may assume the
defense of the Third Party Claim with counsel of its own choosing, as described
below. The Indemnifying Party and the Indemnified party shall cooperate with
each other in the defense of the Third Party Claim and shall furnish such
records, information and testimony and attend all such conferences, discovery
proceedings, hearings, trial and appeals as may be reasonably required in
connection therewith. The Indemnified Party shall have the right to employ its
own counsel in any such action, but the fees and expenses of such counsel shall
be at the expense of the Indemnifying Party unless the Indemnifying Party shall
not have promptly employed counsel to assume the defense of the Third Party
Claim, in which event such fees and expenses shall be borne solely by
Indemnifying Party. The Indemnifying Party shall not satisfy or settle any Third
Party Claim for which indemnification has been sought and is available
hereunder, without the prior written consent of the Indemnified Party unless
such claim can be settled

<PAGE>

entirely for cash and the Indemnified Party shall be given a full release from
all parties in connection therewith. If the Indemnifying Party shall fail with
reasonable promptness either to defend such Third Party Claim or to satisfy or
settle the same, the Indemnified Party may defend, satisfy or settle the Third
Party Claim at the expense of the Indemnifying Party and the Indemnifying Party
shall pay to the Indemnified Party the amount of any such Loss within ten (10)
days after written demand therefor. The indemnification provisions hereunder
shall survive the termination of this agreement.

         9. Amendment. No modification, waiver, amendment, discharge or change
of this agreement shall be valid unless a written instrument, executed by both
parties hereto, evidences the same.

         10. Notices. All notices, demands or other communications given
hereunder shall be in writing and shall be deemed to have been duly given when
delivered in person or transmitted by facsimile transmission or on the third
calendar day after being mailed by United States registered or certified mail,
return receipt requested, postage prepaid, to the addresses hereinabove first
mentioned or to such other address as any party hereto shall designate to the
other for such purpose in the manner hereinafter set forth.

         11. Entire Agreement. This agreement contains all of the understandings
and agreements of the parties with respect to the subject matter discussed
herein. All prior agreements, whether written or oral, are merged herein and
shall be of no force or effect.

         12. Severability. The invalidity, illegality or unenforceability of any
provision or provisions of this agreement will not affect any other provision of
this agreement, which will remain in full force and effect, nor will the
invalidity, illegality or unenforceability of a portion of any provision of this
agreement affect the balance of such provision. In the event that any one or
more of the provisions contained in this agreement or any portion thereof shall
for any reason be held to be invalid, illegal or unenforceable in any respect,
this agreement shall be reformed, construed and enforced as if such invalid,
illegal or unenforceable provision had never been contained herein.

         13. Construction and Enforcement. This agreement shall be construed in
accordance with the laws of the State of New York, without application of the
principles of conflicts of laws. If it becomes necessary for any party to
institute legal action to enforce the terms and conditions of this agreement,
the successful party will be awarded reasonable attorneys' fees at all trial and
appellate levels, expenses and costs. The parties hereto hereby accept the
exclusive jurisdiction of those courts for the purpose of any such suit, action
or proceeding. The parties hereto hereby irrevocably waive, to the fullest
extent permitted by law, any objection that any of them may now or hereafter
have to the laying of venue of any suit, action or proceeding arising out of or
relating to this agreement or any judgment entered by any court in respect
thereof brought in the State of New York, and hereby further irrevocably waive
any claim that any suit, action or proceeding brought in New York, has been
brought in an inconvenient forum.

         14. Binding Nature. The terms and provisions of this agreement shall be
binding upon and inure to the benefit of the parties, and their respective
successors and assigns.

         15. Confidential Information. Lighthouse agrees that all non-public
information pertaining to the prior, current or contemplated business of the
Company is valuable and confidential assets of the Company. Such information
shall include, without limitation, information relating to customer lists,
bidding procedures, insurance products and programs, intellectual property,
software code, patents, copyrights, trademarks, trade secrets, financing
techniques and sources and such financial statements of the Company as are not
available to the public. Lighthouse, its officers, directors, employees, agents
and shareholders shall hold all such information in trust and confidence for the
Company and shall not use or disclose any such information for other than the
benefit of the Company's business and shall be liable for damages incurred by
the Company as a result of the use or disclosure of such information by
Lighthouse, its officers, directors, employees, agents or shareholders for any
purpose other than the benefit of the Company's business, either during the term
of the attached agreement or after the termination or expiration thereof, except
(i) where such information is publicly available or later becomes publicly
available other than through a breach of this agreement, or (ii) where such
information is subsequently lawfully obtained by Lighthouse from a third party
or parties who are not under an obligation of confidentiality to the Company, or
(iii) if such information is known to Lighthouse prior to the execution of this
agreement from a source other than the Company or a third party or parties who
are under an obligation of confidentiality to the Company, or (iv) as may be
required by law. These confidentiality obligations shall survive termination of
this agreement.

         16. Independent Contractor Status. It is expressly understood and
agreed that Lighthouse shall, at all times, act as an independent contractor
with respect to the Company and not as an employee or agent of the

<PAGE>

Company, and nothing contained in the attached agreement shall be construed to
create a joint venture, partnership, association or other affiliation, or like
relationship, between the parties. It is specifically agreed that the
relationship is and shall remain that of independent parties to a contractual
relationship and that Lighthouse shall have no right to bind the Company in any
manner. In no event shall either party be liable for the debts or obligations of
the other except as otherwise specifically provided in this agreement.

         17. Counterparts. This agreement may be executed in any number of
counterparts, including facsimile signatures, which shall be deemed as original
signatures. All executed counterparts shall constitute one agreement,
notwithstanding that all signatories are not signatories to the original or the
same counterpart.

         IN WITNESS WHEREOF, the parties hereto have executed this agreement as
of the date first above written.

                                  ACCEPTED AND AGREED:

                                  Warp Solutions, Inc.

                                  By:
                                     -------------------------------
                                     Karl Douglas, President & CEO

                                     Lighthouse Capital Ltd

                                  By:
                                     -------------------------------
                                     Richard J. Paone, PresidentEXHIBIT 10.4

                         FINANCIAL CONSULTING AGREEMENT

         THIS FINANCIAL CONSULTING AGREEMENT (this "Agreement"), made as of this
15th day of May 2002, is by and between, Warp Solutions, Inc., a Delaware
corporation with its principal place of business at 627 Greenwich Street, New
York, NY 10014, its subsidiaries, affiliates and successors (the "Company"), and
Lighthouse Capital Ltd, a New York corporation ("Lighthouse"), with its
principal place of business at 594 Broadway, Suite 302, New York, NY 10012.

                                R E C I T A L S:

         A. The Company desires to retain Lighthouse to provide certain
financial consulting services.

         B. Lighthouse desires to provide certain financial consulting services
to the Company in accordance with the terms and conditions contained
hereinafter.

         NOW, THEREFORE, in consideration of the mutual promises set forth
herein, the parties hereto hereby agree as follows:

         1 . Consulting Services. During the term of this Agreement, Lighthouse
is hereby retained by the Company to provide financial consulting services to
the Company, as said services relate to corporate finance matters. Lighthouse
shall provide such financial consulting services as reasonably requested by the
Company during the term of this Agreement which may include, but not be limited
to:

         i)       Assist the Company with its current plans to obtain financing.
                  It is understood that the final terms and conditions of any
                  financing must be acceptable by the Board of Directors of the
                  Company and the investors however there can be no assurances
                  that the Company will receive financing during the term of
                  this agreement. In association with financing efforts,
                  Lighthouse will seek to communicate and clarify the Company's
                  business model, strategic objectives and inherent value to the
                  investment community. This may include assessing the current
                  promotional and public relations efforts and providing
                  suggestions where appropriate.

         ii)      Make necessary presentations to institutional funds,
                  registered representatives and shareholders in order to inform
                  them with respect to the affairs of the Company and maintain
                  timely personal contact with such registered representatives
                  and shareholders to assure their awareness of the Company's
                  performance, including the forwarding of its corporate
                  profile, materials published in newspapers, magazines and
                  journals, press releases, brochures and mailers provided by
                  the Company;

         iii)     Identify registered representatives (stockbrokers) and
                  portfolio managers (collectively "advisers") who may be
                  interested in considering for the portfolio of their
                  customers, the common stock of the Company, introducing the
                  Company to such advisers and coordinating communications and
                  relationships with such advisers on behalf of the Company, all
                  in order to develop and expand a network of advisers who are
                  well informed regarding the Company.

         Nothing hereunder shall require Lighthouse to devote a minimum number
of hours per calendar month toward the performance of services hereunder. Unless
otherwise agreed to by Lighthouse, all

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<PAGE>

services hereunder shall be performed by Lighthouse, in its sole discretion, at
its principal place of business or other offices. Notwithstanding anything
contained herein to the contrary, the services to be performed by Lighthouse
hereunder may be performed by any employee or consultant to Lighthouse.

         2. Term. The term of this Agreement shall be for one (1) year
commencing as of the date first written above and is automatically renewable
unless cancelled in writing with 30 days notice. Notwithstanding any termination
of this Agreement pursuant to the terms hereof or otherwise, if two (2) years
from the effective date of introduction to the Company of an entity, the Company
enters into a definitive commitment relating to a Financing (or any portion
thereof) or non-financing capital transaction with any entity, the Company shall
pay to Lighthouse fees in accordance with the terms and provisions of Sections
3(ii) or 3(iii), as applicable.

3.       Compensation.

         i) Lighthouse will be paid a monthly retainer of $10,000 for the term
of this agreement (section 2) and a five (5) year warrant to purchase 150,000
shares of the Company's common stock priced $1.20 with a cashless exercise
feature and standard piggy back rights. The Company further hereby agrees to pay
on a pre-approval basis all reasonable out-of-pocket expenses incurred by
Lighthouse in connection with the services to be rendered by Lighthouse
hereunder;

         ii) In the event the Company effectuates a Transaction (to be construed
as a financing or a merger/acquisition transaction) pursuant to which the
Company receives cash (or other form of consideration) from an Entity in
consideration of its issuance of voting and/or non-voting common, preferred or
convertible stock, notes, bonds, debentures or other securities or instruments
and such Transaction is effectuated as a result of any introduction to the
Entity made directly by Lighthouse to the Company [but not one that is
effectuated through the efforts of an advisor that Lighthouse is compensated for
in (iii) below], then the Company hereby agrees to pay Lighthouse a fee equal to
10% of the cash consideration received by the Company and 10% warrant coverage
[of the deal size] convertible at 100% of the investment price. Payment shall be
due and payable in cash on the date of any such closing. The warrant shall have
a five (5) year term, standard piggyback registration rights and a cashless
exercise feature. If there shall be more than one closing, the Company shall pay
said fee with respect to the consideration received at each such closing;

         iii) If Lighthouse introduces the Company to a consultant or advisor
that raises funds, provides merger and acquisition or other investment banking
related services, such as a brokerage firm, the Company will pay Lighthouse 10%
of the compensation that is paid to that advisor, or the difference between the
fee that advisor paid and the total fee in (ii), whichever is greater but not to
exceed 5%;

         iv) The Company further agrees to compensate Lighthouse if a
Transaction is consummated pursuant to section 3. (ii), with any Entity that may
be negotiated directly with the Company or introduced to the Company by another
intermediary or through any other method. Lighthouse will agree to a lower fee
not to exceed 5% of the total Transaction.

         v) There may be vendors that Lighthouse recommends the Company hire
such as brokerage, investor relations, direct mail, e-mail and telemarketing
companies. These Companies, if they are approved by the Company, will be paid
directly, or through Lighthouse, by the Company for their services.

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<PAGE>

         4. Transfer Sheets, DTC Sheets and Standard & Poor's/Moody's Listing.
For a period of two (2) years from its public listing, and at its expense, the
Company shall provide Lighthouse with copies of its monthly transfer sheets and
weekly Depository Trust Company transaction summary records, if requested by
Lighthouse. The Company agrees that for a period of five years from its public
listing it will register and remain covered by the Corporation Records Service
published by Standard & Poor's or Moody's.

         5. Board of Directors. During the five (5) years following the
Company's public listing, Lighthouse shall have the right to (i) receive at
least ten (10) days' prior notice to any meeting of the Board of Directors of
the Company (or any action to be taken by written consent without such meeting)
or such lesser reasonable notice as the Company shall have provided to its
directors, together with copies of any and all reports, documents or other
information delivered to the Board of Directors from time to time, (ii) at the
option of Lighthouse, have any person designated by it attend any and all such
meetings of the Board of Directors; and (iii) at the option of Lighthouse, to
designate one (1) director to the Board of Directors of the Company. Such
designee, if elected or appointed, shall attend meetings of the Board and
receive the same compensation that is paid to other non-management directors of
the Company and shall be entitled to receive reimbursement for all reasonable
expenses incurred in attending such meetings. To the extent permitted by law,
the Company will agree to indemnify us and our designee for the actions of such
designee as a director of the Company. In the event the Company maintains a
liability insurance policy affording coverage for the acts of its officers and
directors, it will agree, if possible, to include our designee as an insured
under such policy.

         6. Representations of the Company. The Company hereby represents and
warrants that any and all information supplied hereunder to Lighthouse in
connection with any and all services to be performed hereunder by Lighthouse for
and on behalf of the Company shall be true, complete and correct as of the date
of such dissemination and shall not fail to state a material fact necessary to
make any of such information not misleading. The Company hereby acknowledges
that the ability of Lighthouse to adequately provide financial consulting
services hereunder is dependent upon the prompt dissemination of accurate,
correct and complete information to Lighthouse. The Company further represents
and warrants hereunder that this Agreement and the transactions contemplated
hereunder, including the issuance of the warrants hereunder, have been duly and
validly authorized by all requisite corporate action; that the Company has the
full right, power and capacity to execute, deliver and perform its obligations
hereunder; and that this Agreement, upon execution and delivery of the same by
the Company, will represent the valid and binding obligation of the Company
enforceable in accordance with its terms. The representations and warranties set
forth herein shall survive the termination of this Agreement.

         7.       Indemnification.

                  (a) The Company hereby agrees to indemnify, defend and hold
harmless Lighthouse, its officers, directors, principals, employees, partners,
consultants, affiliates, and shareholders, and their successors and assigns from
and against any and all claims, damages, losses, liability, deficiencies,
actions, suits or proceedings (collectively the "Losses") arising out of or
resulting from: (i) any breach of a representation, or warranty by the Company
contained in this Agreement; or (ii) any activities or services performed
hereunder by Lighthouse, unless such Losses were the result of the intentional
misconduct or gross negligence of Lighthouse or were the result of any
information supplied by Lighthouse; or (iii) any and all costs and expenses
(including reasonable attorneys' and paralegals' fees) related to the foregoing,
and as more fully described below. Lighthouse hereby agrees to indemnify, defend
and hold harmless the Company, and its officers, directors and

                                       3
<PAGE>

shareholders, and their successors and assigns from and against any and all
Losses arising out of or resulting from (i) the intentional misconduct or gross
negligence of Lighthouse, unless such Losses were the result of any written or
public information supplied by the Company; or (ii) any and all costs and
expenses (including reasonable attorneys' and paralegals' fees) related to the
foregoing, and as more fully described below.

                  (b) If Lighthouse or the Company (in each case, the
"Indemnified Party") receives written notice of the commencement of any legal
action, suit or proceeding with respect to which the Company or Lighthouse (in
each case, the "Indemnifying Party") is or may be obligated to provide
indemnification pursuant to this Section 7, the Indemnified party shall, within
thirty (30) days of the receipt of such written notice, give the Indemnifying
Party written notice thereof (a "Claim Notice"). Failure to give such Claim
Notice within such thirty (30) day period shall not constitute a waiver by the
Indemnified Party of its right to indemnity hereunder with respect to such
action, suit or proceeding if the Indemnifying Party is not materially adversely
affected by such delay. Upon receipt by the Indemnifying Party of a Claim Notice
from the Indemnified Party with respect to any claim for indemnification which
is based upon a claim made by a third party ("Third Party Claim"), the
Indemnified Party may assume the defense of the Third Party Claim with counsel
of its own choosing, as described below. The Indemnifying Party and the
Indemnified party shall cooperate with each other in the defense of the Third
Party Claim and shall furnish such records, information and testimony and attend
all such conferences, discovery proceedings, hearings, trial and appeals as may
be reasonably required in connection therewith. The Indemnified Party shall have
the right to employ its own counsel in any such action, but the fees and
expenses of such counsel shall be at the expense of the Indemnifying Party
unless the Indemnifying Party shall not have promptly employed counsel to assume
the defense of the Third Party Claim, in which event such fees and expenses
shall be borne solely by Indemnifying Party. The Indemnifying Party shall not
satisfy or settle any Third Party Claim for which indemnification has been
sought and is available hereunder, without the prior written consent of the
Indemnified Party unless such claim can be settled entirely for cash and the
Indemnified Party shall be given a full release from all parties in connection
therewith. If the Indemnifying Party shall fail with reasonable promptness
either to defend such Third Party Claim or to satisfy or settle the same, the
Indemnified Party may defend, satisfy or settle the Third Party Claim at the
expense of the Indemnifying Party and the Indemnifying Party shall pay to the
Indemnified Party the amount of any such Loss within ten (10) days after written
demand therefor. The indemnification provisions hereunder shall survive the
termination of this Agreement.

         8. Amendment. No modification, waiver, amendment, discharge or change
of this Agreement shall be valid unless a written instrument, executed by both
parties hereto, evidences the same.

         9. Notices. All notices, demands or other communications given
hereunder shall be in writing and shall be deemed to have been duly given when
delivered in person or transmitted by facsimile transmission or on the third
calendar day after being mailed by United States registered or certified mail,
return receipt requested, postage prepaid, to the addresses hereinabove first
mentioned or to such other address as any party hereto shall designate to the
other for such purpose in the manner hereinafter set forth.

         10. Entire Agreement. This Agreement contains all of the understandings
and agreements of the parties with respect to the subject matter discussed
herein. All prior agreements, whether written or oral, are merged herein and
shall be of no force or effect.

                                       4
<PAGE>

         11. Severability. The invalidity, illegality or unenforceability of any
provision or provisions of this Agreement will not affect any other provision of
this Agreement, which will remain in full force and effect, nor will the
invalidity, illegality or unenforceability of a portion of any provision of this
Agreement affect the balance of such provision. In the event that any one or
more of the provisions contained in this Agreement or any portion thereof shall
for any reason be held to be invalid, illegal or unenforceable in any respect,
this Agreement shall be reformed, construed and enforced as if such invalid,
illegal or unenforceable provision had never been contained herein.

         12. Construction and Enforcement. This Agreement shall be construed in
accordance with the laws of the State of New York, without application of the
principles of conflicts of laws. If it becomes necessary for any party to
institute legal action to enforce the terms and conditions of this Agreement,
the successful party will be awarded reasonable attorneys' fees at all trial and
appellate levels, expenses and costs. The parties hereto hereby accept the
exclusive jurisdiction of those courts for the purpose of any such suit, action
or proceeding. The parties hereto hereby irrevocably waive, to the fullest
extent permitted by law, any objection that any of them may now or hereafter
have to the laying of venue of any suit, action or proceeding arising out of or
relating to this Agreement or any judgment entered by any court in respect
thereof brought in the State of New York, and hereby further irrevocably waive
any claim that any suit, action or proceeding brought in New York, has been
brought in an inconvenient forum.

         13. Binding Nature. The terms and provisions of this Agreement shall be
binding upon and inure to the benefit of the parties, and their respective
successors and assigns.

         14. Confidential Information. Lighthouse agrees that all non-public
information pertaining to the prior, current or contemplated business of the
Company is valuable and confidential assets of the Company. Such information
shall include, without limitation, information relating to customer lists,
bidding procedures, insurance products and programs, intellectual property,
patents, trademarks, trade secrets, financing techniques and sources and such
financial statements of the Company as are not available to the public.
Lighthouse, its officers, directors, employees, agents and shareholders shall
hold all such information in trust and confidence for the Company and shall not
use or disclose any such information for other than the benefit of the Company's
business and shall be liable for damages incurred by the Company as a result of
the use or disclosure of such information by Lighthouse, its officers,
directors, employees, agents or shareholders for any purpose other than the
benefit of the Company's business, either during the term of the attached
Agreement or after the termination or expiration thereof, except (i) where such
information is publicly available or later becomes publicly available other than
through a breach of this Agreement, or (ii) where such information is
subsequently lawfully obtained by Lighthouse from a third party or parties who
are not under an obligation of confidentiality to the Company, or (iii) if such
information is known to Lighthouse prior to the execution of this Agreement, or
(iv) as may be required by law. These confidentiality obligations shall survive
termination of this Agreement.

         15. Independent Contractor Status. It is expressly understood and
agreed that Lighthouse shall, at all times, act as an independent contractor
with respect to the Company and not as an employee or agent of the Company, and
nothing contained in the attached Agreement shall be construed to create a joint
venture, partnership, association or other affiliation, or like relationship,
between the parties. It is specifically agreed that the relationship is and
shall remain that of independent parties to a contractual relationship and that
Lighthouse shall have no right to bind the Company in any manner. In no event
shall either party be liable for the debts or obligations of the other except as
otherwise specifically provided in this Agreement.

                                       5
<PAGE>

         16. Counterparts. This Agreement may be executed in any number of
counterparts, including facsimile signatures, which shall be deemed as original
signatures. All executed counterparts shall constitute one Agreement,
notwithstanding that all signatories are not signatories to the original or the
same counterpart.

         17. Prior Agreements. This agreement supercedes any previous agreements
between the Company and Lighthouse.

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the date first above written.

                                       ACCCEPTED AND AGREED:

                                       Warp Solutions, Inc.

                                       By:
                                           ----------------------------------
                                           Karl Douglas, President & CEO

                                       Lighthouse Capital Ltd

                                       By:
                                           ----------------------------------
                                           Richard J. Paone, President

                                       6

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