Document:

Exhibit 10.2

     This  Purchase  Agreement  (this  "Agreement')  dated  October  30 2009, is
                                        ---------
entered  into  between  Merchant  Processing,  International, Inc., a California
corporation  (the  "Seller"),  and  Solveras,  Inc.,  a  Tennessee  corporation
                   -------
("Purchaser").
  ----------

     WHEREAS, pursuant to the terms of an agent agreement by and between Payment
Resource International, LLC ("PRI) and Seller dated as of August I, 2005 and
assigned by PRI to TransFirst, LLC (as amended, the "Agent Agreement"), Seller
has marketed the services of PRI or its designee to various merchants, and
Seller has the right to receive compensation with respect to the credit and
debit transactions of the merchants to whom it has marketed PRI's services, a
copy of which is attached hereto as Exhibit A, (the "Agent Agreement"); and
                                    ----------      -----------------

     WHEREAS, Seller has, pursuant to the Agent Agreement, solicited certain
merchants, a list of which is attached hereto as Exhibit B (collectively, the
                                                 ---------
"Merchants"or the "Merchant Accounts") to which the Seller has the right to
 ----------        -----------------
receive the fees described in the ISO Agreement, and such Merchants have entered
into merchant agreements (the "Merchant Agreements"); and
                               -------------------

     WHEREAS, Seller desires to assign, transfer, convey and sell, and Purchaser
desires to accept, any and all right, title and interest of any kind or nature
the Seller may have, now or in the future, in and to the Seller's right to
receive the fees and compensation described in the Agent Agreement related to
the Merchants, as well as all written contracts, customer lists, merchant
accounts, computer printouts, papers and other documents in the possession of
Seller relating thereto (collectively, the "Seller Portfolio"); and
                                            -----------------

     WHEREAS, Seller has received the required consent of Trans First to
transfer the Seller Portfolio to the Purchaser.

     NOW THEREFORE, IN CONSIDERATIOON of the promises and of the mutual
representations, warranties and covenants that are made and to be performed by
the respective parties, it is agreed as follows:

ARTICLE I
ASSIGNMENT OF SELLER PORTFOLIO AND POST-CLOSING PORTFOLIO

     1.01.     Assignment of Seller Portfolio. Subject to the terms and
               ------------------------------
conditions of this Agreement, Seller shall assign, transfer, convey and sell any
and all rights, title and interest of any kind or nature ("Transfer") to
                                                           ---------
Purchaser, and Purchaser shall purchase, acquire, accept and, subject to the
limitations in Section1.02, assume from Seller, all of Sellers' right, title and
               ------------
interest in and to the Seller Portfolio. Purchaser shall have all rights in the
Seller Portfolio as of the Closing Date, for all residuals to be received in
connection with the Seller Portfolio for the month of October, 2009. Seller
shall ensure that it has taken all appropriate action under the Agent Agreement
to direct that all payments of residuals with respect to the Seller Portfolio,
commencing with the payment of October, 2009 residuals be directed to Purchaser.

     1.02     Non-Assumption of Liabilities. Except for the liabilities
              ------------------------------
specifically assumed hereby and liabilities arising after the Effective Date (as
defined in Section_____. hereof) related to post-Effective Date transactions
           -------
pertaining to the Seller Portfolio, Purchaser will not assume any debts,
liabilities, obligations, expenses, taxes, contracts or commitments of Seller of
any kind, character or description, whether accrued, absolute, contingent or
otherwise. The Seller hereby indemnifies Purchaser and its successors, assigns,
parent companies, affiliates, officers, directors, agents, attorneys

                                   PPDC3Q0933
<PAGE>
and insurers against and holds Purchaser harmless from any and all damages,
claims, causes of action, defenses, liabilities, losses or obligations
(collectively "Damages") relating to any pre-Effective Date transactions, even
               -------
if such liability arises after the Effective Date, pertaining to the Seller
Portfolio.

     1.03     Purchase Consideration. The purchase price for the Seller
              -----------------------
Portfolio shall be Two Hundred Seventy Four Thousand Eight Hundred Thirty Five
Dollars and Three Cents ($274,835.03) in cash, due and payable in full at
Closing (the "Closing Consideration"). Seller agrees that the sum ofs $82,778.62
              ----------------------
from the Closing Consideration will be paid to any agents of Seller who may have
an interest in the Seller Portfolio no later than three (3) business days
following the Closing. A list of the agents who have any interest in the Seller
Portfolio is attached hereto as Schedule 1.03. Seller hereby indemnifies
Purchaser against any and all claims of any of its agents, representatives
and/or employees for non-payment of any funds otherwise due them upon the sale
of the Seller Portfolio.

     1.04     Instruments of Conveyance and Transfer, Etc. Seller is delivering
              --------------------------------------------
to Purchaser herewith such assignments and other good and sufficient instruments
of conveyance and transfer, including without limitation an Assignment and
Assumption Agreement and a Bill of Sale, in form and substance reasonably
satisfactory to Purchaser, as is necessary to complete the Transfer and be
effective to vest in Purchaser all of Sellers' rights and interest in the Seller
Portfolio free of all Liens or obligations or other claims of third parties, and
simultaneously with such delivery, is taking such steps as may be necessary to
put Purchaser in operating control of the Seller Portfolio. For purposes of this
Agreement, "Lien" shall mean any mortgage, pledge, hypothecation, assignment,
deposit arrangement, encumbrance, lien (statutory or other), charge or other
security interest or any preference, priority or other security agreement or
preferential arrangement of any kind or nature whatsoever (including any
conditional sale or other title retention agreement having substantially the
same economic effect as any of the foregoing).

     1.05     Further Assurances. From time to time after the Closing, without
              -------------------
further consideration, Seller will execute and deliver such other reasonable
instruments of conveyance, assignment, transfer and delivery and take such other
action as Purchaser reasonably may request.

     1.06     Closing Date. The purchase and sale of the Seller Portfolio
              -------------
pursuant to this Agreement (the "Closing") shall take place at 12:01 A.M"
                                 -------
October 30, 2009 (the "Closing Date").
                       ------------

     1.07     Retained Liabilities. Notwithstanding anything in this Agreement
              --------------------
to the contrary, Purchaser is not assuming and will not perform any liabilities
or obligations not specifically described herein, whether fixed or contingent,
known or unknown, disclosed or undisclosed, recorded or unrecorded and whether
relating to the Seller Portfolio or any other matter, facts or circumstances,
including without limitation the following: (a) federal, state or local tax
liabilities or obligations of Seller whether or not incurred prior to the date
hereof or resulting from the consummation of the transactions contemplated
herein, (b) any obligation or liability for services rendered by Seller, (c) any
liability or obligation of Seller for or in respect of any loan, account payable
or indebtedness, (d) any liability or obligation of Seller arising as a result
of or out of any claim, any legal or equitable action, proceeding or
investigation pertaining to or relating in any way to Seller initiated at any
time, whether or not described in any schedule hereto, (e) any obligation or
liability upon acts or omissions of Seller, (f) any liability or obligation of
Seller incurred in connection with the making or performance of this Agreement,
(g) any liability or obligation of Seller for making payments of any kind
(including as a result of the sale of the Seller Portfolio ), (h) to the extent
that the Seller is liable pursuant to the ISO Agreement, liability for any
chargebacks, fines or losses related to the Seller Portfolio and any related
handling fees arising from or in connection with transactions by Merchants which
occur prior to the

                                   PPDC3Q0934
<PAGE>
Effective Date, (i) liabilities or obligations arising out of any breach by
Seller prior to the Closing of any contract included in the Seller Portfolio,
and G) any payments of any kind which Seller may owe to employees, independent
contractors, agents, vendors or any other third parties.

     (a)     The execution, delivery and performance of this Agreement and the
other agreements and transactions contemplated hereby are within Seller's
corporate powers, are not in contravention of the terms of the Articles of
Incorporation or resolutions of the Board of Directors or shareholders, and have
been duly authorized by the Board of Directors, as and to the extent required by
the Articles of Incorporation and applicable law; wilt not constitute a
violation of any judgment, decree, or order of any court of competent
jurisdiction applicable to Seller or any of the Assets, will not violate any
law, rule or regulation of any governmental authority applicable to Seller or
the Seller Portfolio, will not require any consent, approval or authorization
of, or notice to, or declaration, filing or registration with, any governmental
or regulatory authority, and whether with or without notice, the lapse oftime or
both, will not conflict with, result in a breach of, constitute a default under,
result in the acceleration of, create in any party the right to accelerate,
terminate, modify, or cancel, or require any notice under any agreement,
contract, lease, license, instrument, or other arrangement to which Seller is a
party or by which it is bound or create any lien, security interest, charge,
encumbrance or restriction on any of the Seller Portfolio.

     (b)     This Agreement has been duly and validly executed and delivered by
Seller and, as of the Closing, each of the documents contemplated in this
Agreement will have been duly and validly executed and delivered by Seller. This
Agreement constitutes, and upon their execution and delivery, each of the other
documents contemplated in this agreement will constitute, the valid, legal and
binding obligation of Seller, enforceable against Seller in accordance with
their terms.

     2.02.     Agent Agreement.      The Agent Agreement attached hereto as
               ----------------
Exhibit A is the exclusive agreement under which the Company performs sales and
---------
marketing activities. The Agent Agreement is in full force and effect, and has
not been amended or modified other than as set forth in Exhibit A. Neither party
                                                        ---------
to the Agent Agreement is in breach of the agreement as of the Closing Date.

     2.03     Title to Assets. Except as set forth on Schedule 2.03, the Company
              ----------------                        --------------
has good, valid and marketable title to all of the assets in the Seller
Portfolio, free and clear of any Liens.

     2.04     Portfolio Settlement Report. The most recent Settlement Report
              ---------------------------
issued by TransFirst which includes all compensation due Seller for the
Portfolio is attached hereto as Schedule 2.04. Since the date of the Settlement
                                -------------
Report, there has not been any material adverse change in the value of the
Merchant accounts taken as a whole.

     2.05.     No Violation. Neither the execution and delivery of this
               ------------
Agreement, nor the performance by Seller of its obligations hereunder nor the
consummation of the transactions contemplated hereby will (a) require the
consent of any other party which has not been obtained prior to Closing,
constitute a breach of, or result in the creation or imposition of any Lien upon
the Seller Portfolio under, any agreement or commitment to which Seller is a
party or by which Seller is bound; (b) violate any statute or law or any
judgment, decree, order, regulation or rule of any court or governmental
authority to which Seller is subject or (c) whether with or without notice, the
lapse of time or both, will not conflict with, result in a breach of, constitute
a default under, result in the acceleration of, create in any party the right to
accelerate, terminate, modify, or cancel, or require any notice under any
agreement, contract, lease, license, instrument, or other arrangement to which
Seller is n party or by which it is bound or create any Lien, security interest,
charge, encumbrance or

                                   PPDC3Q0935
<PAGE>
restriction on the Seller Portfolio. No other corporate proceedings on the part
of Seller are necessary to authorize the execution and delivery of this
Agreement or the completion by Seller of the transactions contemplated hereby.
The Seller's rights, title and interest in the SeUer Portfolio are free and
clear of any and all Liens or claims of others, and no financing statement or
other public notice with respect to all or any part of the Seller's rights,
title, interest in the Seller Portfolio is on file or of record in any public
office. Furthermore, there shall not be in force any order or decree restraining
or enjoining the consummation ofthe transactions contemplated by this Agreement
and there shall be no proceeding of a judicial or administrative nature or
otherwise, in progress or threatened that relates to or results from the
transactions contemplated by this Agreement that would, if successful, result in
an order or ruling that would preclude completion of the transactions
contemplated by this Agreement in accordance with the terms hereof.

     2.06.     No Undisclosed Liabilities: Etc. Except as otherwise set forth
               --------------------------------
herein, Seller has no known material liabilities or obligations of any nature,
absolute, accrued, contingent or otherwise, that adversely impact the Seller
Portfolio.

     2.07.     Litigation. There is no known action, proceeding or investigation
               ----------
pending or threatened against Seller, or any properties or rights of Seller,
before any court, arbitrator or administrative or governmental body that would
materially involve the Seller Portfolio in any manner.

     2.08.     Seller Portfolio. The list of the Merchants for whom Seller
               -----------------
receives compensation constituting the Seller Portfolio as of the Effective Date
attached hereto as Exhibit B, is true, complete and correct. Further to the best
                   ---------
knowledge of Seller, no Merchant intends to materially change its transaction
volume following the Closing, or to terminate the Merchant Agreement following
the Closing, and Seller has no reason to believe any of the Merchant Agreements
are unenforceable and Seller has not been put on notice that TransFirst wishes
to change Seller's compensation structure.

     2.09.     Licenses, Permits and Authorizations. Seller has all approvals,
               ------------------------------------
authorizations, consents, licenses, franchises, orders and other permits of all
governmental or regulatory agencies, whether federal, state, local or foreign,
the absence of which would materially impair the Seller Portfolio.

     2.10.     Disclosure. No representations or warranties by Seller in this
               -----------
Agreement contains or will contain any untrue statement of a material fact or
omits or will omit to state any material fact necessary to make the statements
herein not misleading. There is no fact or development known to Seller which
materially adversely affects, or which might in the future, in Seller's
reasonable judgment, materially adversely affect the Seller Portfolio or
Purchaser's right to receive compensation therefrom, which has not been set
forth in this Agreement.

     2.11.     Compliance. Seller is in compliance, in all material respects,
               ----------
with all applicable statutes, regulations, judgments, injunctions, decrees,
orders, ordinances and other laws (collectively, "Laws") of the United States of
America and any applicable foreign jurisdictions, all state and local
governments and other governmental authorities, and agencies and courts of any
of the foregoing, to which SeUer is subject, and Seller has not received any
notice to the effect that, or otherwise been advised that, Seller has materially
violated or is not in compliance in all material respects with any of such Laws,
and, to the knowledge of Seller, there are no investigations with respect
thereto, nor past or current business conduct or practices of Seller similar to
the conduct or practices of other businesses that to the knowledge of Seller
have been the subject of investigations, proceedings, claims, actions, suits,
demands or notices with respect thereto or have resulted in any liability
arising out of or related to such conduct or practices. Seller is in full
compliance with all of applicable the rules and regulations

                                   PPDC3Q0936
<PAGE>
ofthe Credit Card Associations which may be applicable to its business. Seller
has obtained, and kept current, all required licenses and consents to engage in
its business.

     2.12     Sales Representatives and Employees. A list of all of Seller's
              ------------------------------------
independent sales representatives or employees that have any economic interest
whatsoever in the Seller Portfolio is set attached hereto as Schedule 1.03. Upon
payment as set forth in Section 1.03, all of the persons listed in such Exhibit
1.03 shall be paid in full. Seller agrees that it will provide a letter
accompanying the appropriate payment to its independent sales representatives,
independent sales groups, employees, agents and representatives, which such
letter shall include a provision reminding such individuals that they are
contractually prohibited from soliciting the Merchants.

ARTICLE III
REPRESENTATIONS AND WARRANTIES OF PURCHASER
-------------------------------------------

     3.01.     Authorization. Etc. Purchaser has full corporate power and
               -------------------
authority to enter into this Agreement and carry out the transactions
contemplated hereby.

     4.01.     A. Seller's Non-Solicitation Covenant. During the period of five
                  -----------------------------------
(5) years following the Closing Date, Seller, and its successors in interest,
assigns and Affiliates (as termed below), shall not (i) directly or indirectly
solicit any Merchant for purposes of providing credit card authorization and
related services to any of the Merchants, wherever located, or (ii)
intentionally or knowingly interfere with, disrupt or attempt to disrupt any
current business relationship, contractual or otherwise, between TransFirst and
any Merchant so as to affect in any manner the compensation being paid to
Purchaser or the Seller Portfolio. For purposes of this Agreement, "Affiliate"
shall mean any entity owned by Seller, or that has ownership similar to the
ownership of Seller or that is directly or indirectly controlled by the families
of Seller, including any entity or sole proprietorship owned by or controlled by
Seller or the shareholders or partners of the Seller.

B. Purchaser's Non-Solicitation Covenant. During the period of five (5) years
   --------------------------------------
following the Closing date, Purchaser agrees that it will not solicit any agent
that it knows is retained or employed by Seller to terminate its relationship
with Seller for the purpose of working for or being retained by Purchaser

     4.02.     Confidentiality. Seller, including but not limited to, its
               ---------------
Affiliates, employees, shareholders, subsidiaries or parent corporations, agrees
that during the period often (10) years following the Closing Date, it will not
voluntarily at any time, directly or indirectly, use, communicate, furnish,
divulge or disclose to any individual, firm, association, partnership or
corporation except, to its accountants or attorneys, subject however, to a
confidentiality agreement, any knowledge or information with respect to any
matters concerning or relating to the Merchants, or the Seller Portfolio,
including but not limited to, copies or originals of any information supplied to
Purchaser or the names and contact information for any of the Merchants.
Furthermore, Seller agrees to keep the terms of this Agreement and the
information concerning the transactions described herein confidential, and shall
not, in any way whatsoever, disclose the terms of this transaction to any third
party, except to its accountants or attorneys, subject however, to a
confidentiality agreement, without the prior written consent of the other party.
The parties agree further that the Agreement shall not be used in court as
evidence of any admission of liability or fault.

     4.03.     Right to Injunctive Relief. A violation or threatened violation
               ---------------------------
of the Sections 4.01 and 4.02 would cause irreparable injury and the remedy at
       -------------     ----
law for any violation or threatened violation would be inadequate and either
party shall be entitled to temporary and permanent- injunctive relief or

                                   PPDC3Q0937
<PAGE>
other equitable relief without the necessity of proving actual damages.

     4.04     Public Statements. Seller shall consult with Purchaser on any
              -----------------
press releases or public announcements pertaining to this Agreement or the
transactions contemplated hereby and will not issue any such press releases or
make any such public announcements prior to such consultation and agreement,
without the prior written consent of Purchaser. Nothing in this Section 4.04
                                                                ------------
shall prohibit the Purchaser from making any public disclosures.

     4.05     Reasonable Efforts; Cooperation. Subject to the terms and
              --------------------------------
conditions of this Agreement, each of Seller and Purchaser agrees to use
reasonable efforts in good faith to take, or cause to be taken, all actions, and
to do, or cause to be done, all things necessary, proper or desirable, or
advisable under applicable laws, so as to permit consummation of the
transactions contemplated by this Agreement as promptly as practicable and
otherwise to enable consummation of the transactions contemplated hereby and
shall cooperate fully with the other party hereto to that end.

     4.06     Customer Service Post Closing. Seller hereby agrees to provide
              -----------------------------
merchant download and training with regard to the Seller Portfolio (on behalf of
and for the benefit of Purchaser) at the same quality and level of service as
the Seller has historically provided such services until the Purchaser is able
to perform such services to the Seller Portfolio directly. Seller shall be
responsible to Purchaser for any losses relating the Seller Portfolio which
relate to transactions that occurred after the Closing Date which arise out of
or relate to the negligence or omission of the Seller in providing the
aforementioned services. Seller hereby agrees to respond in a timely manner to
any merchant inquiries, customer service requests, and/or technical support
requests that might be directed to Seller by a merchant post-Closing. Such
inquiries and/or requests shall be redirected by Seller to Purchaser in
accordance with the "Service/Support Instructions" set forth on Schedule 4.06.

ARTICLE V
DELIVERY OF DOCUMENTS AT, PRIOR TO AND FOLLOWING CLOSING
--------------------------------------------------------

     5.01     Delivery of Documents by Seller at or prior to the Closing: Seller
              -----------------------------------------------------------
shall deliver to Purchaser, unless waived by Purchaser, the following documents
and instruments:

     (a)     all consents from government agencies and third parties necessary
to complete the Transfer and otherwise to consummate the transactions
contemplated hereby, including without limitation the consents of the
TransFirst, in the forms as attached hereto as Schedule 5.0I(a);
                                               ----------------

     (b)     such bills of sale, endorsements, assignments, and other good and
sufficient instruments of conveyance and assignment, reasonably satisfactory in
form and substance to Purchaser, as shall be necessary to vest all of Seller's
rights and interest in, and title to, the Seller Portfolio in Purchaser and
otherwise to consummate the transactions contemplated hereby;

     (c)     written instruments whereby the creditors, if any, listed on
Schedule 5.01(c) hereto, if any, have effectively released and discharged the
----------------
security interests referred to in said schedule; and

     (a) By the close of business on the next business day immediately following
the  Closing  Date, Seller will send Purchaser organized files for each Merchant
in  the  Seller  Portfolio. The files will include original Merchant agreements,
and  any  other  historical  document  and/or  correspondence  pertaining to the
Merchant.

                                   PPDC3Q0938
<PAGE>
     (b) Within thirty (30) days following Closing Date, Seller will send
Purchaser copies of all letters referred to in Section 2.12 hereinabove, along
with a copy of the applicable buyout checks.

     (c) Within forty-five (45) calendar days following Closing Date, Seller
will provide Purchaser with a status report of any agents who have not yet
cashed or deposited their agent residual buyout checks.

     6.01     No Brokerage. Each party represents and warrants to the other
              ------------
party that it has not incurred any obligation or liability, contingent or
otherwise, for brokerage or finders' fees or agents' commissions or other like
payment in connection with this Agreement or the transactions contemplated
hereby, and each party agrees to indemnify and hold the other party harmless
against and in respect of any such obligation or liability based in any way on
agreements, arrangements or understandings claimed to have been made by such
party with any third party.

     6.02     Survival. Each party hereto covenants and agrees that (i) its
              ---------
representations and warranties contained in this Agreement and in any instrument
of sale, assignment, conveyance and transfer executed and delivered pursuant to
this Agreement and (ii) the provisions of Sections 1.01, 1.02, 1.04, 1.05, 1.07,
Article II, Article IV, Article VI, Article VII shall survive the Closing Date.

     6.03     Amendments. Purchaser and Seller may amend, modify or supplement
              ----------
this Agreement only by an instrument in writing signed on behalf of both
Purchaser and Seller.

     6.04     No Waivers. No action taken pursuant to this Agreement, including
              ----------
without limitation any investigation by or on behalf of any party, shall be
deemed to constitute a waiver by the party taking such action of compliance with
any representations, warranties, covenants or agreements contained herein. The
waiver by either party hereto of a breach of any provision of this Agreement
shall not operate or be construed as a waiver of any subsequent breach.

     6.05     Expenses. Whether or not the transactions contemplated by this
              ---------
Agreement are consummated, each of the parties hereto shall pay its own fees and
expenses incident to the negotiation, preparation, execution and performance of
this Agreement including counsel and accountant's fees.

     6.06     Notices. All notices, requests, demands and other communications
              -------
required or permitted hereunder
shall be in writing and shall be deemed to have been given if mailed, via
certified mail, return receipt requested, with postage prepaid, upon delivery:

     If to Seller, to:
     ----------------
     Merchant Processing International, Inc.
     20251 SW Acacia Street, #200
     Newport Beach, CA 92660
     ATTN: Bruce Berman

     If to Purchaser, to:
     -------------------
     Solveras, Inc. Attn: John Cramp
     800 Crescent Centre Drive, Suite 400
     Franklin, Tennessee 37027

                                   PPDC3Q0939
<PAGE>
     6.07     Assignment. This Agreement and all of the provisions hereof shall
              -----------
be binding upon and inure to the benefit of the parties hereto and their
respective successors and permitted assigns. Seller may not assign or transfer
this Agreement nor any of the rights, interests or obligations hereunder without
the prior written consent of the Purchaser.

     6.08     Governing Law; Venue. THE PROVISIONS OF THIS AGREEMENT AND THE
              ---------------------
LEGAL RELATIONS BETWEEN THE PARTIES ARISING THEREFROM SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TENNESSEE. Any and all
disputes between the parties which may arise pursuant to this Agreement shall be
heard and determined before an appropriate federal or state court located in
Nashville, Tennessee. The parties hereto acknowledge that such courts have the
exclusive jurisdiction to interpret and enforce the provisions of this
Agreement, and the parties waive any and all objections that they may have as to
jurisdiction, venue or conflict of law issues in any of the above courts.

     6.09     Counterparts. This Agreement may be executed simultaneously in two
              -------------
or more counterparts, each of which shall be deemed an original, but all of
which together shall constitute one and the same instrument. Facsimile
signatures may be accepted as originals.

     6.10     Entire Agreement. This Agreement, including the Exhibits and
              -----------------
Schedules, and other documents referred to herein which form a part hereof,
embody the entire agreement and understanding of the parties hereto in respect
of the subject matter contained herein. There are no restrictions, promises,
warranties, covenants or undertakings, other than those expressly set forth or
referred to herein. This Agreement supersedes all prior agreements and
understandings between the parties with respect to such subject matter to the
extent any provisions contained herein are inconsistent with provisions of any
such prior agreements.

     6.12     Severability. In the event any portion of this Agreement may be
              ------------
determined by any court of competent jurisdiction to be unenforceable, the
balance of the Agreement shall be severed therefrom and shall continue in full
force and effect.

     6.13     Attorneys Fees. Notwithstanding anything in Section 6.05, should a
              ---------------                             -------------
dispute be commenced between the parties hereto or their representatives
concerning any provision of this Agreement, or the rights and duties of any
person or entity hereunder, the party or parties prevailing shall be entitled to
attorneys' fees, expenses of counsel and court costs incurred by reason of such
action.

     7.01  Indemnification  by  Seller.  Seller  shall  be  liable  to and shall
           ---------------------------
indemnify,  defend,  and  hold  Purchaser,  its  directors, officers, employees,
representatives, successors, and permitted assigns harmless from and against any
and  all  claims, demands by a third party, losses, liability, cost, damage, and
expense,  including  litigation  expenses  and  reasonable  attorneys'  fees and
allocated  costs for in-house legal services, to which Purchaser, its directors,
officers,  employees,  representatives, successors, and permitted assigns may be
subjected  or  which it may incur in connection with any claims which arise from
or  out  of  or as the result of (i) Seller's breach of this Agreement, (ii) the
failure  of  Seller  to perform its duties and obligations under this Agreement,
whether  prior  to  or  following  Closing,  or  (iii) the negligence or willful
misconduct of Seller, its directors, officers, employees, agents, and Affiliates
in  the performance of their duties and obligations under this Agreement. Seller
shall  be released from its obligations under this Subsection to the extent such
third  party  claims, demands, damages, costs, liabilities, losses, and expenses
result  from  the  negligence,  gross  negligence,  or intentional misconduct of
Purchaser,  its  directors,  officers,  employees,

                                   PPDC3Q0940
<PAGE>
representatives,  successors,  and  permitted  assigns.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly
executed as of the day and year first above written.

Name: Rick Galasieski
Title: Senior Vice President

\s\ Rick Galasieski
-------------------

                                   PPDC3Q0941Exhibit 10.3

                               PURCHASE AGREEMENT
                               ------------------

     This Purchase Agreement (this "Agreement") is entered into as of  February
5, 2010, by and between VALICO, INC., a California corporation (hereafter
referred to as "BUYER" ), and MERCHANT PROCESSING INTERNATIONAL, INC. , a
California corporation (hereafter referred to as "SELLER").

                                   RECITALS:

     A.     WHEREAS, SELLER is entitled to receive compensation based upon the
processing activity of certain merchants and has other rights and benefits
pursuant to a written Sales Representative Agreement dated February 22, 2007
between Seller and Spectrum Business Solutions, Inc.   For purposes of this
Agreement the compensation and all other rights of Seller pursuant to the Sales
Representative Agreement shall hereinafter be referred to as the "Merchant
Portfolio";

     B.    WHEREAS, SELLER has designated rights under and is obligated to pay a
percentage of the residual compensation to certain agents based on such agents'
marketing services pursuant one of the following written agreements between
Seller and each agent: (i) National Marketing Agreement, (ii) Independent Agent
Agreement, (iii) Independent Contractor Agreement, and (iv) Sales Agent
Agreement (hereinafter collectively the "Agent Agreements");

     C.     WHEREAS SELLER desires to sell and assign and BUYER desires to buy
and assume any and all rights to the Merchant Portfolio now or at any time
hereafter to SELLER with respect to the designated merchant accounts; and

     D.     WHEREAS SELLER desires to assign and BUYER desires to assume all
rights to and obligations under each of the Agent Agreements with respect to
certain agents and desires to solicit such agents to perform marketing services
to obtain new merchant accounts.  For purposes of this Agreement, the Merchant
Portfolio, Designated Merchants and Agent Agreements (as defined below) shall be
collectively referred to as the "Transferred Assets."

                                   AGREEMENT:

     NOW, THEREFORE, for and in consideration of the mutual covenants and
agreements herein contained, and other valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto do hereby agree
as follows:

     1.     Purchase of the Transferred Assets.
            -----------------------------------

     (a)     SELLER shall sell and BUYER shall purchase any and all rights to
and interests in the Merchant Portfolio now or at any time hereafter to SELLER
with respect to each of the merchant accounts stated in "EXHIBIT A", which is
attached hereto and incorporated herein by this reference (hereinafter the
"Designated Merchants").  Upon the execution of this Agreement by the parties,
which shall occur no later than February 5, 2010, otherwise this Agreement is
null and void, the sale of those accounts and the BUYER's right to the Merchant
Portfolio shall become retroactively effective as of January 1, 2010 (the
"Acquisition Date").

     (b)     The sale, conveyance, transfer of the Transferred Assets by SELLER
to BUYER shall be evidenced and affected by the execution of a Bill of Sale in
the form of "EXHIBIT B" which is attached hereto and incorporated herein by this
reference.

     (c)     SELLER also hereby assigns to BUYER any and all rights to and
obligations under each of the Agent Agreements with respect to each of the
agents identified in "EXHIBIT C," which is attached hereto and incorporated
herein by this reference ("Acquired Agents") as of the Acquisition Date.

                                   PPDC3Q0942
<PAGE>
     (d)     For purposes hereof, and without in any way limiting BUYER's
discretion herein to select or reject Merchants as Designated Merchants, each
Designated Merchant must meet the following criteria, at a minimum: (i) such
Merchant must be currently "active" in the payment systems of  BUYER's
processors, and (ii) there are no outstanding amounts currently due from such
Merchant (e.g., there are no unresolved ACH reject items or other Credit Loss
items) which have been outstanding for more than 60 days.

     (e)     Notwithstanding the foregoing, BUYER shall not assume any
liabilities or obligations that SELLER may owe to or in respect of the
Designated Merchants, and SELLER shall indemnify and hold BUYER harmless from
and against any such liabilities and obligations, for which BUYER may offset any
amounts owed to SELLER pursuant to this Agreement.

     2.     Payment of the Purchase Price.   The purchase price for the
            -----------------------------
Transferred Assets shall be $150,000.00 (hereinafter the "Purchase Price") and
shall be payable as follows:

     (a)     BUYER will pay $100,000.00 upon the parties' execution of this
Agreement and related documents thereto (hereinafter the "Initial Payment"), and
provided that such Designated Merchants have been approved as Merchants by BUYER
on or prior to such Acquisition Date and provided SELLER delivers to BUYER a
writing signed by an authorized representative of Spectrum Business Solutions,
Inc. confirming its approval of the Sales Representative Agreement assignment;
otherwise this Agreement shall be null and void;

     (b)     BUYER shall remit the remaining balance of the Purchase Price
($50,000.00) no later than May 3, 2010, which shall be evidenced by a Promissory
Note guaranteed by the two shareholders of BUYER in the same form as "EXHIBIT D"
attached hereto and incorporated herein by this reference (the "Final Payment").

     (c)     The parties agree that the covenant of BUYER to pay the Initial
Payment in a timely manner shall be good and sufficient consideration for the
full and complete release and satisfaction of any and all of SELLER's rights to
the Transferred Assets, including SELLER's right to the Acquired Agents and its
right to receive the residual income generated based on processing transactions
occurring on or after the Acquisition Date.  For example, if the Acquisition
Date is January 1, 2010, then BUYER shall receive all residual income generated
based on processing transactions commencing January 1, 2010 and thereafter, and
thus, BUYER shall have the exclusive right to the entire residual check issued
in February, 2010 for January's transactions.   After the Acquisition Date,
BUYER's only obligation to SELLER under this Agreement shall be to pay the Final
Payment in a timely manner, and SELLER shall have no further rights with respect
to the Transferred Assets or residuals generated from services then or
thereafter being provided to Designated Merchants by BUYER, its designated
processor or its service providers.

     3.     Representations.  In order to induce BUYER to pay the Purchase Price
            ---------------
to SELLER, SELLER hereby warrants and represents, to BUYER as follows:  (i)
SELLER has not, at any time, assigned or encumbered (which encumbrance remains
unreleased with respect to the Designated Merchants) any of SELLER's rights to
the Transferred Assets; (ii) SELLER has agreed to accept the Purchase Price
based upon SELLER's own ideas of the value of the payments to be made by BUYER
to SELLER with respect to Transferred Assets and upon full arms length
negotiations and not in reliance upon any warranty or representation made by
BUYER or any agent of BUYER; (iii) SELLER shall be solely responsible for any
sums owing by SELLER to any employee, contractor, representative or agent of
SELLER (or any other person or entity) in connection with the residual payments
which are being released hereunder, PROVIDED, HOWEVER, BUYER shall be obligated
                                    -----------------
to remit any monies owed to an agent pursuant to any of the Agent Agreements
assigned by SELLER to BUYER pursuant to the terms of this Agreement (unless
BUYER and the agent enter into a separate agreement which releases BUYER from
such obligations) and only relating to any residual income generated from
transactions occurring after the Acquisition Date for which BUYER actually
received the residual check for such transactions (i.e. relating to January,
2010 transactions if BUYER actually receives the residual check in February,
2010 for such transactions); and (iv) the person signing this Agreement on
behalf of SELLER certifies that he, she, or it

                                   PPDC3Q0943
<PAGE>
has full authority to execute the same on behalf of SELLER and that this
Agreement has been duly authorized, executed and delivered by SELLER and is
binding upon SELLER in accordance with its terms. In order to induce SELLER to
enter into this Agreement, BUYER hereby warrants and represents to SELLER as
follows:  (i) BUYER has adequate facilities and infrastructure, both in terms of
equipment, capital and personnel to service the accounts of the Designated
Merchants and to make the payment provided for herein; (ii) BUYER has agreed to
pay the Purchase Price based upon BUYER's own ideas of the value of the
Transferred Assets and upon full arms length negotiations and not in reliance
upon any warranty or representation made by SELLER or any agent of SELLER; and
(iii) the person signing this Agreement on behalf of BUYER certifies that he,
she, it has full authority to execute the same on behalf of BUYER and that this
Agreement has been duly authorized, executed and delivered by BUYER and is
binding upon BUYER in accordance with its terms.

     4.     Non-Solicitation.  In order to induce BUYER to pay the Purchase
            -----------------
Price to SELLER, SELLER covenants and agrees that, during the term of this
Agreement and for five (5) years thereafter, neither SELLER, nor any of SELLER's
agents or representatives (individually, a "Restricted Party" and collectively,
the "Restricted Parties"), shall solicit or contact, for the purpose of,
directly or indirectly, providing or receiving "Merchant Services" in the United
States, to any Designated Merchant  nor shall the Restricted Parties solicit or
contact, for purposes of, directly or indirectly, providing or receiving
services relating to Merchant Services in the United States by any Acquired
Agent for which SELLER received the Purchase Price for which SELLER received any
monies from BUYER.  "Merchant Services" shall mean any services pertaining to
negotiation of payment, including but not limited to acceptance of credit card
or debit card transaction records in documentary or electronic form from
merchants in connection with the processing and clearing of such records for
settlement and payment to such merchant as well as ACH transfers, check
guarantees, check authorizations, e-commerce payments and services and point of
sales systems on both a hardware or software basis.  Further, none of the
Restricted Parties shall directly or indirectly, whether individually, in
partnership, jointly, or in conjunction with, or on behalf of, any person, firm,
partnership, corporation, or unincorporated association or entity of any kind
contract with or attempt to contract with, engage or attempt to engage, or enter
into a relationship with or attempt to enter into a relationship with, or
provide or attempt to provide goods and services to, any Designated Merchant or
new merchant for the purpose of, directly or indirectly, providing or receiving
Merchant Services or contract with or attempt to contract with, engage or
attempt to engage, or enter into a relationship with or attempt to enter into a
relationship with, or provide or receive goods and services from any Acquired
Agent for the purpose of, directly or indirectly, receiving services relating to
Merchant Services.

In the event that a Designated Merchant or Acquired Agent initiates contact or
attempts to initiate contact, or engages or attempts to engage any of the
Restricted Parties for the purpose of, directly or indirectly, providing or
receiving or offering services relating to Merchant Services, as the case may
be, such Restricted Party will, for the duration of this Agreement until the
fifth anniversary of the Acquisition Date, inform such merchant or agent, as the
case may be, that such Restricted Party is contractually prevented from
contracting, engaging or entering into a relationship with any merchant or
agent, by responding that:

"Under  the  terms  of  a  recent  agreement, I am contractually prohibited from
discussing  any  business  relationship  with  you."  BUYER  shall  be  promptly
notified  of  this  occurrence.

          5.     Acknowledgments.  SELLER acknowledges and agrees that the
                 ---------------
restrictions set forth in Section 4 hereof are reasonable and necessary to
protect the legitimate business interests of BUYER and/or BUYER' successors or
assignees. SELLER further acknowledges and agrees that the restrictions set
forth in Section 4 hereof are narrowly drawn, are fair and reasonable, and place
no greater restraint upon SELLER than is reasonably necessary.

6.     Injunctive Relief.  SELLER agrees that, if SELLER violates any of the
       -----------------
restrictions set forth in Section 4 hereof, BUYER would sustain irreparable harm
and, therefore, SELLER hereby irrevocably and unconditionally (i) agrees that,
in addition to any other remedies which BUYER may have under this Agreement or
otherwise at law or in equity, all of which remedies shall be cumulative, BUYER

                                   PPDC3Q0944
<PAGE>
shall be entitled to apply to any court of competent jurisdiction for
preliminary and permanent injunctive relief and other equitable relief, (ii)
agrees that such relief and any other claim by BUYER pursuant hereto may be
brought in any court of general jurisdiction in Orange County, California (which
shall have exclusive jurisdiction in the State of California); (iii) consents to
the non-exclusive jurisdiction of any such court in any such suit, action or
proceeding, and (iv) waives any objection which SELLER may have to the laying of
venue of any such suit, action or proceeding in any such court.

7.     Damages.  (a) The parties agree that in the event SELLER breaches the
       -------
restrictions set forth in Section 4 hereof, BUYER will be damaged in an amount
that may be difficult to measure and the parties agree that the appropriate
measure of fully liquidated damages in such event would be 24 times the average
monthly income received by BUYER with respect to each Designated Merchants or
Acquired Agents, as the case may be, which is the subject of such breach with
respect to the last three months that such merchant received services from BUYER
and/or BUYER' successors or assignees or with respect to the last three months
that such agent's cumulative merchants received services from BUYER and/or
BUYER's successors or assignees, as the case may be.

     (b) SELLER further agrees to indemnify, defend, save and hold BUYER
harmless from and against any and all claims, loss, damage, expense, liability
or judgments (including attorneys fees and costs) arising from or related to (i)
any other breach or violation by SELLER of the terms and provisions of this
Agreement, (ii) any brokers fees or charges sought by any party in connection
with the transactions contemplated herein, and (iii) any practices of SELLER
and/or its agents or representatives that involve elements of fraud or that may
be deemed to be potentially injurious to BUYER or its successor or assignees.
BUYER shall also be entitled to recover interest computed at eighteen (18%)
percent per annum on any amounts due from SELLER hereunder, to the extent such
amounts are not paid within ten (10) days after demand by BUYER.

     (c)    In addition, SELLER will pay any reasonable attorney fees associated
with the cost of the collection of the foregoing damages. Without prejudice to
any other right or remedy which may be available to BUYER, to the maximum extent
permitted by law, BUYER shall have the right to set-off against and deduct from
any payments due from BUYER to SELLER any loss or damage suffered by BUYER in
the event of any breach by SELLER of any of SELLER's obligations under this
Agreement.

     8.     Successors and Assigns.  All terms and provisions of this Agreement
            ----------------------
shall be binding upon and shall inure to the benefit of the parties hereto and
their respective successors and assigns.  Without limiting the generality of the
foregoing, BUYER shall have the right to assign all or any part of its rights
hereunder to any purchaser of the assets of BUYER, and/or any purchaser of
BUYER' accounts with the Designated Merchants, without prior consent of or
notice to SELLER, in which case BUYER shall (i) remain fully responsible for all
of its obligations hereunder, (ii) require such purchaser to provide BUYER with
information that is substantially similar to the information that SELLER has
then been receiving hereunder, along with all information that would be required
to calculate and analyze future payment obligations hereunder, and (iii)
adequately provide for the BUYER' future financial obligations hereunder.

9.     Severability of Provisions.  If any provisions of this Agreement, as
       --------------------------
applied to any party or to any circumstances, is adjudged by a court to be
invalid or unenforceable, the same will in no way affect any other provision of
this Agreement, the application of such provision in any other circumstances or
the validity or enforceability of this Agreement.  If any such provision, or any
part thereof, is held to be unenforceable because of the duration of such
provision or the area covered thereby, the parties agree that the court making
such determination will have the power to reduce the scope, duration and/or
effect of such words or phrases, and in its reduced form such provision will
then be enforceable and will be enforced to the fullest effect permitted by law.
In addition thereto, such court shall have the power to reform this Agreement in
such manner as may be required to affect its intent and purpose, which shall
include, without limitation, the deletion herefrom of any provision that cannot
be reformed to make it valid and enforceable.

                                   PPDC3Q0945
<PAGE>
10.     Miscellaneous.   This Agreement shall not be amended, modified or waived
        -------------
in any fashion except by an instrument in writing signed by the parties hereto.
The waiver by any party of any breach of this Agreement by the other party shall
not be effective unless in writing, and no such waiver shall operate or be
construed as the waiver of the same or another breach on a subsequent occasion.
The parties agree that the laws of the State of California shall apply to the
interpretation of any disagreement arising under this Agreement.  Any defined
term that is not otherwise defined in this Agreement shall have the meaning
ascribed to that term in the Agent Agreement.  The captions contained in this
Agreement are for convenience of reference only and do not form a part of this
Agreement.  The making, execution and delivery of this Agreement by the parties
hereto have been induced by no representations, statements, warranties or
agreements other than those herein expressed or referred to.  This Agreement and
the other written instruments specifically referred to herein and therein,
embody the entire understanding of the parties and supersede in their entirety
all prior communication, correspondence, and instruments.  This Agreement may be
executed and delivered in counterparts, or may be signed and delivered via
facsimile or similar transmission, and in either such event this Agreement shall
be valid, binding and enforceable in all respects as if it had been signed as
one document and delivered as an executed original.

     11.    Third Party Beneficiaries. This Agreement is made and entered into
            --------------------------
for the sole benefit and protection of the parties hereto, and the parties do
not intend to create any rights or benefits under this Agreement for any person
who is not a party to this Agreement.

     12.     Release  of Claims.  SELLER hereby acknowledges that he, she, or it
             -------------------
has  received independent legal advice from attorneys of his, her, or its choice
with  respect  to  the  advisability  of  making  and  executing this Agreement.
SELLER  also  acknowledges that he, she, or it has had the opportunity to review
this  Agreement  with legal counsel and that he, she, or it is familiar with the
provisions  of section 1542 of the California Civil Code ("section 1542"), which
provides  as  follows:

A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR
SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THIS RELEASE, WHICH IF
KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED THE SETTLEMENT WITH THE DEBTOR.

     SELLER,  being  aware  of  section  1542,  hereby  expressly  waives  and
relinquishes  any  right  or  benefit  that he, she, or it has or may have under
section 1542 pertaining to the matters released herein, and any law or principle
of  similar  effect  of any state of territory of the United States, to the full
extent  that SELLER may lawfully waive such rights or benefits pertaining to the
subject  matter  of  this  Agreement.  In  connection  with  such  waiver  and
relinquishment,  SELLER  acknowledges that he, she, or it is aware that he, she,
or  it  may hereafter discover claims presently unknown or unsuspected, or facts
in  addition  to  or  different  from  those  which  he, she, or it now knows or
believes to be true, with respect to the matters released herein.  Nevertheless,
it  is  the  intention of SELLER, through this Agreement, to fully, finally, and
forever  to  release all such matters, and all claims relative thereto, which do
now  exist,  may  exist,  or  have  existed between and among the parties hereto
regarding  the  Designated Merchants, and all other matters between the parties.
In  furtherance of such intention, the release herein given shall be, and remain
in  effect  as,  a full and complete release of such matters notwithstanding the
discovery  of  the existence of any additional claims or facts relating thereto.
SELLER  understands  and  acknowledges  that  he,  she,  or it is releasing, for
himself,  herself, or itself and his, her, or its successors, all such claims by
executing  this  Agreement.

     13.     Non-disparagement.  SELLER agrees to refrain from making or causing
             ------------------
or  encouraging  others  to  make  any  defamatory,  disparaging,  slanderous or
derogatory  comments  or  statements  to  any  third party concerning BUYER, its
employees,  officers,  directors,  affiliates,  successors,  and  assigns.  The
prohibition in the immediately preceding sentence applies to all statements that
disparage,  discredit, slander or otherwise call into disrepute or question, the
character,  reputation, competence, or integrity of such persons, without regard
to  the  truth  or  falsity  of  the  statement  made  or  writing  disclosed.

                                   PPDC3Q0946
<PAGE>
     14.     Further  Assurances.  On  and  after  the  Acquisition Date, SELLER
             --------------------
shall give such further assurances to BUYER and execute, acknowledge and deliver
all  such acknowledgments and other instruments and take further action as BUYER
may  reasonably  request  to  effectuate  the  transactions contemplated by this
Agreement,  including  the  transfer  of  the Transferred Assets. SELLER further
assures  BUYER  to  (i)  notify  BUYER  of  any  contact to it by any Designated
Merchant  and/or  affiliate  of  any  such  merchants;  and during such contact,
SELLER  shall  act  in  a  professional  manner  and  refer all further dealings
(including,  but  not  limited  to,  the  entering  into,  negotiating,  and/or
discussing  of  any  agreement  with  such  merchants)  to BUYER and (ii) at the
request  of  BUYER for information or assistance about any such merchant and any
such  agent, including but not limited to its original documentation, to respond
to  BUYER  with  such  information  in  a  prompt  manner.

     15.     Survivability. Sections 4, 5 6, 7, 12, 13, and 14 shall survive the
             -------------
termination of this Agreement.

VALICO, INC.                       MERCHANT PROCESSING INTERNATIONAL, INC.

By:______________________________  By:_______________________________

                                   Name:_____________________________
                                   Title:____________________________
Dated: __________________________  Dated:____________________________

                                   PPDC3Q0947

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