Document:

EXHIBIT 10.1

         IN  CONSIDERATION  OF THE  ABOVE,  Sublessor  and  Sublessee  agree  as
follows:

                  1. DEMISE. Sublessor hereby subleases and demises to Sublessee
and Sublessee hereby takes and hires from Sublessor the Premises, subject to the
provisions hereinafter set forth.

                  2. TERM.  The term of this Sublease  shall commence on January
1, 2003  (the  "Commencement  Date"),  and shall  expire on the  earlier  of (a)
midnight on the day prior to the stated  expiration  date of the current term of
the Master  Lease and (b) the date the Master Lease is  terminated,  if earlier.
The stated  expiration date of the current term of the Master Lease is April 14,
2008.  In the event  Sublessor  receives  notice that the Master  Lease is to be
terminated on a date earlier that the stated  expiration  date,  Sublessor shall
provide  Sublessee  with a copy of such  notice  within  10 days of  Sublessor's
receipt  thereof.  Sublessee  may  have  access  to the  Premises  prior  to the
Commencement  Date for purposes of preparing the Premises for  Sublessee's  use,
provided that (i) this Sublease  shall have been executed by both  Sublessor and
Sublessee,  (ii) the Master Lessor shall have executed the Consent and Agreement
of Master Lessor referenced in Section 22 hereof and attached hereto,  (iii) the
Sublessee  shall have provided to Sublessor and Master  Lessor  certificates  of
insurance evidencing the insurance required to be maintained pursuant to Section
8 hereof,  (iv) the Sublessee shall have  transferred all utilities into its own
name as provided in Section 4(d) hereof,  and (v) all other terms and conditions
of this Sublease  shall be applicable to  Sublessee's  use and occupation of the
Premises prior to the Commencement Date.

                  3.  CONDITION  AND USE.  Sublessee  accepts the Premises  from
Sublessor  in its  present  condition,  "as is" and with all  faults.  Sublessee
acknowledges that Sublessor has made no representation, and that it has given no
warranty, to Sublessee in respect of the condition of the Premises or in respect
of the fitness thereof for Sublessee's intended uses or the quality or manner of
any services provided or to be provided by Master Lessor under the Master Lease.
Sublessee  further  acknowledges that Sublessor shall not be required to perform
or pay for any alterations,  installations or other improvements of, on or about
the Premises for the benefit of Sublessee. Sublessee shall use the Premises only
for such  purposes as are  expressly  permitted  under the Master Lease and in a
manner  consistent with the requirements and limitations set forth in the Master
Lease and for no other  purpose  without  the prior  written  consent  of Master
Lessor and Sublessor, the consent of the latter not to be unreasonably withheld.
Notwithstanding the foregoing,  in no event shall Sublessee use the Premises for
the manufacture, storage or sale of hazardous substances or materials.

                  4.  RENT  AND  OTHER  CHARGES.  Except  as  may  be  otherwise
expressly  provided herein,  Sublessor directs and Sublessee agrees it shall pay
Rent (as  hereinafter  defined)  and all other  amounts  to be paid  under  this
Sublease  directly to the Master Lessor.  Sublessee shall pay, without notice or
demand and without abatement, deduction or offset, in lawful money of the United
States, in monthly payments in advance on or before the first day of each month,
beginning the Commencement Date, the following sums:

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                  (a) monthly rent ("Rent") pursuant to the following schedule:

---------------------------------- ------------------ ------------------------

               PERIOD                 MONTHLY RENT      PER SQUARE FOOT RATE
---------------------------------- ------------------ ------------------------

            January, 2003                $0.00                 $0.00
---------------------------------- ------------------ ------------------------

    February, 2003 - April, 2008       $8,944.83               $5.95
---------------------------------- ------------------ ------------------------

                  Rent for any partial month shall be prorated.

                  (b) all  Additional  Rent (as such term is used in the  Master
Lease)  and any other sum or amount due to the  Master  Lessor  under the Master
Lease, provided that to the extent applicable in the determination of Additional
Rent,  the Base Year for purposes of this Sublease  shall be 2002 (as opposed to
the Base Year of 1998 under the Master Lease) and Sublessor shall be responsible
for and pay directly to Master  Lessor any  additional  amounts  owing to Master
Lessor for Additional Rent due to the different Base Year used in this Sublease.

                  (c) an amount,  if any, equal to any separate  utility charges
payable by Sublessor to any party, all as reasonably determined by Sublessor.

                  All of said payments shall be mailed or otherwise  transmitted
to (or to such  other  address as the Master  Lessor  may  designate  by written
notice to Sublessor and Sublessee):

                           William K. Halliburton and
                           Stephen C. Leidholdt

                  (d) To the extent  possible,  Sublessee  shall arrange for all
utilities  which are  separately  metered to the Premises to be  transferred  to
Sublessee's  name and  account  and shall pay the same to the  charging  utility
directly, as provided in Section 3.10 of the Master Lease.

                  (e)  Concurrently  with execution of this Sublease,  Sublessee
shall pay to Sublessor  the sum of $8.944.83  as a security  deposit  ("Security
Deposit") to be held by Sublessor without liability for interest and as security
for the full and faithful performance by Sublessee of Sublessee's  covenants and
obligations  under this  Sublease.  Sublessee  agrees that the Security  Deposit
shall not be considered an advance payment of rental or a measure of Sublessor's
damages in case of  default  by  Sublessee.  Upon the  occurrence  of default by
Sublessee,  Sublessor may, from time to time, at Sublessor's  option and without
prejudice to any other remedy,  use and apply the Security Deposit to any or all
of: (i) any arrearages of rent; (ii) any other obligation of Sublessee; or (iii)
as  reimbursement  for any damage,  injury,  expense or  liability  caused to or
incurred  by  Sublessor  by reason of any  default.  In the event  Sublessor  so

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applies any part of the Security Deposit,  Sublessee shall  immediately  deposit
with  Sublessor  upon the request of Sublessor a  sufficient  sum to restore the
Security  Deposit to the full amount stated above.  If Sublessee  fully complies
with all Sublessee's covenants and obligations under this Sublease, the Security
Deposit shall be returned to Sublessee upon the expiration of this Sublease.

                  5. SURRENDER OF PREMISES.  Upon the expiration date or earlier
termination  of this  Sublease,  Sublessee  shall (a)  surrender the Premises to
Sublessor in good condition and repair, broom-clean,  ordinary wear and tear and
damage for which  Sublessor  under the Master Lease has no obligation to restore
or repair excepted and otherwise in the condition  required by the Master Lease,
and (b) to the extent required of Sublessor or Sublessee under the Master Lease,
repair any damage to the Premises occasioned by the removal of Sublessee's trade
fixtures,  furnishings,  equipment  and personal  property  which  Sublessee may
remove to the extent  permitted  under the Master Lease.  In the event Sublessee
remains in possession of the Premises  after the  expiration or  termination  of
this Sublease,  such  occupancy  shall not be deemed an extension of the term of
this Sublease,  provided that Sublessee  shall remain  obligated to pay all Rent
hereunder  and  Sublessee  shall pay  holdover  rent at the rate  specified  for
payment of holdover  rent under the Master  Lease.  In the event that  Sublessee
shall  holdover  for any period after the  expiration  of the term of the Master
Lease,  Sublessee shall be liable for any and all damages sustained by Sublessor
under the Master Lease on account of such holdover.

                  6. SUBORDINATION.  This Sublease is subject and subordinate to
the Master  Lease and to all  matters to which the Master  Lease is subject  and
subordinate.

                  7. INDEMNIFICATION. Sublessor shall defend, indemnify and hold
Sublessee  harmless  from and against any and all losses,  liabilities,  claims,
causes of action,  damages,  costs and expenses  (including  attorneys' fees and
expert  witnesses'  fees)  arising  or  resulting  from (i) any  intentional  or
negligent  act  or  omission  of  Sublessor  or  Sublessor's  officers,  agents,
employees,   contractors,   invitees  or  licensees  (collectively  "Sublessor's
Agents"), occurring or accruing during the term of this Sublease and/or (ii) any
breach occurring or accruing on or after the  Commencement  Date by Sublessor or
Sublessor's Agents of any term, condition or covenant under this Sublease or any
breach of any term,  condition or covenant  under the Master Lease  occurring or
accruing  during the term of this  Sublease,  except to the extent  incorporated
herein as an  obligation  of  Sublessee.  In case any  action or  proceeding  is
brought against Sublessee by reason of any such claim,  Sublessor,  upon written
notice from  Sublessee,  shall,  at Sublessor's  expense,  resist or defend such
action or proceeding  by counsel  reasonably  approved by  Sublessee.  Sublessee
shall defend, indemnify and hold Sublessor harmless from and against any and all
losses,  liabilities,  claims,  causes of action,  damages,  costs and  expenses
(including attorneys' fees and expert witnesses' fees) arising or resulting from
(i) any  intentional  or negligent  act or omission of Sublessee or  Sublessee's
officers,  agents, employees,  contractors,  invitees or licensees (collectively
"Sublessee's  Agents"),  occurring or accruing during the term of this Sublease,
and/or (ii) any breach occurring or accruing on or after the  Commencement  Date
(or, if  earlier,  the date  Sublessee  takes  possession  of the  Premises)  by
Sublessee or  Sublessee's  Agents of any term,  condition or covenant under this
Sublease or under the Master Lease to the extent incorporated herein as applying
to  Sublessee,  and/or (iii) any  intentional  or  negligent  act or omission of
Sublessee  or  Sublessee's  Agents  which  constitutes  a breach or  creates  an

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obligation for  reimbursement or  indemnification  on Sublessor's part to Master
Lessor under the terms of the Master Lease.  In case any action or proceeding is
brought against Sublessor by reason of any such claim,  Sublessee,  upon written
notice from  Sublessor,  shall,  at Sublessee's  expense,  resist or defend such
action or proceeding by counsel reasonably approved by Sublessor.  The foregoing
indemnities in this Paragraph 7 shall survive the  expiration,  cancellation  or
termination of this Sublease.

                  8.  INSURANCE.  The  Sublessee  shall  maintain at its expense
throughout the term of this Sublease, all insurance required by the Master Lease
as if the Sublessee were the "tenant"  thereunder  including without  limitation
the insurance  specified in Section 3.14 of the Master  Lease.  Each such policy
shall  (a) name as the  insureds  thereunder,  as their  interests  may be,  the
Sublessor  and the  Sublessee,  (b) by its terms,  be  cancelable  or materially
altered only on at least thirty (30) days' prior  written  notice to  Sublessor,
and (c) be issued by an  insurer  reasonably  acceptable  to  Sublessor.  To the
extent Master Lessor under the Master Lease may require Sublessee  separately to
provide any evidence of insurance  benefiting or naming Master Lessor as a named
or additional  insured,  Sublessee  shall  promptly,  upon request of Sublessor,
cause such  evidence of insurance to be issued and  delivered to Master  Lessor.
Any waiver of  subrogation  rights  provided in the Master Lease shall not apply
between the parties hereto.

                  Sublessee and  Sublessor  each hereby  relieve the other,  and
waive  their  entire  right of  recovery  against  the  other for loss or damage
arising out of or incident to the perils insured  against by either party to the
extent of insurance  proceeds  actually  received,  which perils occur in, on or
about the Premises  whether due to the  negligence  of Sublessor or Sublessee or
their agents,  employees,  contractors and/or invitees.  Sublessee and Sublessor
shall give  notice to their  insurance  carrier or carriers  that the  foregoing
mutual waiver of subrogation is contained in this Sublease.

                  9. OTHER  PROVISIONS.  Except for the paragraphs of the Master
Lease  which  relate to (i) the  payment  of rent,  (ii) the term of the  Master
Lease, (iii) any options to purchase the Master Lease Premises, renew the Master
Lease or expand the Master Lease  Premises and (iv) any rights to assignment and
subletting,  and to the extent not otherwise  consistent with the agreements and
understandings  expressed  elsewhere in this Sublease or applicable  only to the
original  parties to the Master  Lease,  the  provisions of the Master Lease are
hereby incorporated herein by reference on the following understandings:

                           (a) The term  "premises"  (or other  word of  similar
import) as used therein shall refer to the Premises.

                           (b) The terms  "tenant" or "lessee" (or other word of
similar import) as used therein shall refer to Sublessee.

                           (c) The terms  "lessor",  "landlord"  or "owner"  (or
other word of similar import) as used therein shall refer to Sublessor.

                           (d)  With   respect  to  work,   services,   repairs,
utilities,  common areas of the  Building,  repainting  and  restoration  or the

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performance of other obligations required of or imposed upon Master Lessor under
the Master Lease,  Sublessor shall have no obligation therefor,  and Sublessor's
sole  obligation  with  respect  thereto  shall be to request the same of Master
Lessor,  upon request in writing by Sublessee.  Sublessee may make such requests
directly of Master Lessor if Sublessee so elects.

                           (e) Except as otherwise provided in this Paragraph 9,
Sublessor  and  Sublessee  shall  perform and comply with the  provisions of the
Master  Lease  incorporated  herein with respect to the Premises to be performed
by, respectively,  the "landlord" and "tenant" (or like words of similar import)
thereunder.   Sublessee  hereby  assumes  and  agrees  to  perform  all  of  the
obligations  of the "tenant"  under the Master Lease  accruing or arising during
the  term of this  Sublease  (but  not  prior  to the  commencement  of the term
hereunder) in the manner and within the time required  under the Master Lease as
if the Premises were the only space  demised  under the Master Lease.  Sublessee
and  Sublessor  further  covenant  that neither  will  commit,  nor permit to be
committed  by any third  party,  any act or  omission  which  would  violate any
material  term or  condition  of the  Master  Lease by it or on its behalf to be
performed,  or be cause for  termination  of the Master Lease by Master  Lessor.
Sublessee's  obligations  hereunder are to Sublessor and Sublessee shall have no
duties or  obligations  to Master Lessor under the Master  Lease,  except as may
otherwise be agreed to between  Sublessee and Master  Lessor or as  specifically
provided in the Master Lease.  Nothing  contained in this Sublease  shall confer
upon  Sublessee  any rights  greater  than those which  Sublessor  has under the
Master Lease.

                           (f) In  connection  with  any  alterations  Sublessee
desires to make to the  Premises,  Sublessee  shall obtain  Sublessor's  written
consent to the making of any such alterations prior to the undertaking  thereof.
Such consent will not be unreasonably withheld or delayed by Sublessor,  but may
be given  subject  to such  conditions  that  Sublessor  may  reasonably  impose
(including  restricting  the  manner in which work is to be  performed  so as to
minimize  any  annoyance to or  interference  with  business  conducted by other
tenants, approval of Sublessee's plans and specifications,  if any, contractors,
architects and engineers,  posting of payment and completion  bonds to complete,
or such other conditions as Sublessor may reasonably  impose). If the consent of
Master Lessor is required under the Master Lease,  Sublessee,  with  Sublessor's
cooperation  and  assistance,  shall contact  Master Lessor  directly for Master
Lessor's  consent and Sublessee shall not undertake any such  alterations  until
Master Lessor's consent is obtained.

                           (g) The obligations of Master Lessor under the Master
Lease shall remain the  obligations  of the Master Lessor under the Master Lease
and in no event shall Sublessee have any rights against  Sublessor for breach by
Master  Lessor of any such  obligation.  Sublessor  shall have no  obligation to
institute any action against Master Lessor,  or to join in any action instituted
against  Master  Lessor by  Sublessee,  except  that upon thirty (30) days prior
written request of Sublessee, and provided Sublessee fully indemnifies and holds
Sublessor harmless  therefrom,  Sublessor shall assign to Sublessee any claim it
may have against Master Lessor on account of any such default.  Sublessor  shall
have no obligation to cure any default by Master Lessor under the Master Lease.

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                           (h) Any  default  by  Sublessee  under  the terms and
conditions  of the Master Lease shall  constitute a default  under the terms and
conditions of this  Sublease.  Sublessor  shall have all the rights and remedies
against  Sublessee  given to Master  Lessor under the Master Lease and any other
rights and  remedies  to which  Sublessor  is  entitled  under  applicable  law.
Notwithstanding  anything to the  contrary  contained in the Master  Lease,  the
period of time provided for the cure of any default by the  Sublessor  under the
Master  Lease shall be deemed  shortened  by three (3) days less than the period
provided for the cure of such default in the Master Lease, if any, as to provide
Sublessor with the opportunity to cure any default of Sublessee  hereunder which
would in turn  constitute a default under the Master Lease,  but Sublessor shall
have no obligation to cure any such default by Sublessee.

                  10.  SUBLESSEE'S  SIGN.  Sublessee's  rights  to  install  and
maintain a sign on the Premises shall be limited to the provisions of the Master
Lease and shall  otherwise be conditioned  upon receipt of prior written consent
of  Master  Lessor,  if so  required  under the terms of the  Master  Lease,  in
addition to the receipt of the prior written consent of Sublessor.

                  11.  ASSIGNMENT  AND  SUBLETTING.  Subject  to  obtaining  any
consents  required under the Master Lease,  Sublessee  shall obtain  Sublessor's
prior written  consent to any assignment or subletting,  which consent shall not
be unreasonably  withheld or delayed.  Notwithstanding the foregoing,  Sublessee
shall not have the right to assign this Sublease or sublet all or any portion of
the Premises without first obtaining Master Lessor's prior written consent where
such consent is required  under the terms of the Master Lease.  No assignment of
this Sublease  (whether or not  Sublessor's  consent is required)  shall relieve
Sublessee of its obligations hereunder.

                  Each assignee of this Sublease shall assume all obligations of
Sublessee  under  this  Sublease  and shall be and  remain  liable  jointly  and
severally liable with Sublessee for the payment of Rent, and for the performance
of all the terms,  covenants,  conditions  and  agreements  herein  contained on
Sublessee's  part to be performed.  No assignment  shall be binding on Sublessor
unless the assignee or Sublessee shall deliver to Sublessor a counterpart of the
assignment  and an  instrument  in  recordable  form that contains a covenant of
assumption  by the assignee  reasonably  satisfactory  in substance  and form to
Sublessor,  consistent with the requirements of this paragraph,  but the failure
or refusal of the assignee to execute such  instrument of  assumption  shall not
release or discharge the assignee from its liability as set forth above.

                  12. OPTIONS TO RENEW; FIRST RIGHT OF PURCHASE. Sublessor shall
have no obligation,  and Sublessee shall have no right or power, to exercise any
option to renew or extend the term of the Master Lease, or to exercise any right
of first offer or purchase.

                  13. NOTICES. Any notice, demand, consent or approval,  request
or other  communication  or document to be  provided  pursuant to this  Sublease
shall be in writing and shall be sent by registered  or certified  United States
mail, return receipt  requested,  or by personal delivery during normal business
hours with evidence of delivery requested, with all postage and fees prepaid, to
Sublessor or Sublessee,  respectively,  at the following  addresses,  or at such
other  address  as such party  shall  designate  by written  notice to the other
party. Such addresses are:

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                                    Systems Integrators, Inc.
                                    4372 Green Ash Drive
                                    Earth City, Missouri 63045
                                    Attn:   Steve Hutchison

         With a copy to             Bryan Cave LLP
                                    One Metropolitan Square
                                    211 N. Broadway, Suite 3600
                                    St. Louis, Missouri 63102
                                    Attn: Robert L. Newmark

                                    Intercard, Inc.
                                    1874 Lackland Hills
                                    Maryland Heights, Missouri 63146
                                    Attn:   Ray Sherrod

         With a copy to:            Eugene Portman, P.C.
                                    231 South Bemiston
                                    Suite 960
                                    Clayton, Missouri 63105
                                    Attn: Eugene Portman

Such notices  shall be deemed to have been  received and to be effective for all
purposes upon receipt or refusal to accept delivery at such address as indicated
on the return receipt or other record of delivery.

                  14.  NO  ORAL  AGREEMENTS.  There  are no oral  agreements  or
understandings between the parties hereto affecting this Sublease. This Sublease
cannot be  changed or  terminated  orally  but only by an  agreement  in writing
signed by the party against whom enforcement or any waiver, change, modification
or discharge is sought.

                  15.  GOVERNING  LAW.  This  Sublease  shall  be  governed  and
construed in accordance with the laws of the State of Missouri.

                  16.  INCORPORATION OF EXHIBITS.  The Exhibits  attached hereto
are incorporated herein by this reference.

                  17. CONSENT.  When consent or approval of either  Sublessor or
Sublessee is required by any  provision of this  Sublease or of the Master Lease
to the  extent  incorporated  herein,  such  consent  or  approval  shall not be
unreasonably  withheld or delayed (unless otherwise  expressly  provided in this
Sublease  (exclusive of any consent or approval  requirement in the Master Lease
as incorporated herein)).  Neither Sublessor nor Sublessee shall take or omit to
take any action  requiring  the Master  Lessor's  consent under the Master Lease
without first  obtaining such consent in accordance with the terms of the Master
Lease. Upon request of Sublessee, Sublessor will request Master Lessor's consent
to any action or omission of Sublessee for which such consent is required.

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                  18.  PARTIES NOT RELIEVED OF LIABILITY.  No assignment of this
Sublease or subletting of the Premises, in whole or in part, as provided in this
Sublease,  shall relieve either Sublessor or Sublessee of its obligations  under
this Sublease.

                  19.  SEVERABILITY.  If  any  provision  of  this  Sublease  is
determined to be unenforceable  for any reason, it shall be modified rather than
voided,  if possible,  in order to achieve the intent of Sublessor and Sublessee
to the extent possible.  In any event, the remaining  provisions shall be deemed
valid and enforceable to the maximum extent possible.

                  20.  NOTICE  OF  DEFAULT.   Sublessor  and  Sublessee   shall,
respectively, promptly give written notice to the other of any notice of default
they may receive from Master Lessor under the Master Lease.

                  21.  ATTORNEY'S  FEES.  In the  event of any  legal  action or
proceeding to enforce the terms of this Sublease,  the prevailing party shall be
entitled to recover its reasonable attorney's fees, costs and expenses.

                  22. MASTER LESSOR'S CONSENT. This Sublease shall be contingent
upon the Master Lessor executing the Consent and Agreement of Master Lessor (the
"Consent") attached hereto on or before [__________,  20____],  and in the event
the Master  Lessor  does not execute  the same  within  such time  period,  this
Sublease shall be null and void and of no further force and effect. By executing
this  Sublease,  Sublessee  agrees to be bound by the terms of the Consent  with
respect  to  attornment  to the  Master  Lessor  in the  event  of a  bankruptcy
affecting Sublessor.

                  23. PERSONAL GUARANTY.  This Sublease shall be contingent upon
the delivery by Ray Sherrod of his personal guaranty securing the performance of
Sublessee's  obligations hereunder in favor of Sublessor,  in form and substance
satisfactory to Sublessor.

                  24. COUNTERPARTS.  This Sublease may be executed in any number
of  counterparts,  each of which shall be deemed to be an  original,  and all of
which together shall constitute one and the same instrument.

                  25.  BROKER.  Sublessor  warrants  that it has had no dealings
with any broker or agent in connection with this Sublease, other than CB Richard
Ellis,  Inc., whose commission  shall be the sole  responsibility  of Sublessor.
Sublessor  covenants to pay,  hold  harmless and  indemnify  Sublessee  from and
against any and all cost, expense or liability for any compensation, commissions
or charges  claimed by any agent or broker  with  which it has had  dealings  or
otherwise by reason of any breach of said warranty.  Sublessee  warrants that it
has had no dealings with any broker or agent in connection  with this  Sublease.
Sublessee  covenants to pay,  hold  harmless and  indemnify  Sublessor  from and
against any and all cost, expense or liability for any compensation, commissions
or charges  claimed by any agent or broker  with  which it has had  dealings  or
otherwise by reason of any breach of said warranty.

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                  IN  WITNESS  WHEREOF,  the  parties  have  entered  into  this
Sublease as of the day and year first above written.

SUBLESSOR:                          SYSTEMS INTEGRATORS, INC.,
a Missouri corporation

By:
Its:

SUBLESSEE:                          INTERCARD, INC.,
a Missouri corporation

By:
Its:

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                            CONSENT OF MASTER LESSOR

                  Reference  is  made  to that  certain  Lease  Office/Warehouse
Building  dated April 15, 1998 (as the same may have been  amended  from time to
time,  the  "Master  Lease"),  between  William K.  Halliburton  and  Stephen C.
Leidholdt   (collectively,   the  Master  Lessor"),  as  landlord,   and  System
Integrators, Inc., a Missouri corporation, as tenant. Subject to Master Lessor's
execution  of this  Consent  of Master  Lessor,  System  Integrators,  Inc.,  as
sublessor, and Intercard,  Inc., as sublessee, have entered into a sublease (the
"Sublease") of the premises which are the subject of the Master Lease.  Pursuant
to Section 3.09 of the Master Lease,  Master Lessor hereby grants its consent to
the Sublease and acknowledges  and consents to the terms thereof.  Master Lessor
acknowledges  that the Master Lease is in full force and effect,  and that there
are no events of defaults outstanding under the Master Lease.

                  The  Master  Lessor  agrees  to  provide   written  notice  to
Sublessor of any failure by Sublessee to pay rent or any other  obligation to be
paid or performed by Sublessee  hereunder,  and shall provide  Sublessor with an
additional  10 days to cure the same before  declaring a default under the terms
of the Master Lease.

                  Master Lessor  additionally  agrees that in the event that the
Sublessor  shall  file  any  petition  in  bankruptcy  or  commences  any  other
proceeding  relating  to  Sublessor  under  any   reorganization,   arrangement,
adjustment  of  debt,   dissolution  or  liquidation   law  or  statute  of  any
jurisdiction,  or has  commenced  against it any such  proceeding  which remains
undismissed  for a period of thirty (30) days (it being  understood  that Master
Lessor shall retain all rights and remedies  against  Sublessor under the Master
Lease), provided that Sublessee is not then in default under the Sublease beyond
any applicable cure periods,  then (i) Sublessee's use, possession and enjoyment
of the Premises  shall not be  terminated,  disturbed,  diminished or in any way
adversely  affected by reason of  termination  of the Master  Lease or any other
action or proceeding taken by Master Lessor with respect to Sublessor's interest
in the Premises and (ii) Sublessee shall attorn to and be bound to Master Lessor
as its landlord,  and Master Lessor shall recognize Sublessee immediately as its
tenant, under a direct lease deemed to have the same terms and conditions as the
Master Lease (the "Direct Lease"); and Sublessee and Master Lessor shall execute
such further  assurances and instruments as each may reasonably require in order
to  memorialize  the Direct Lease.  Sublessee,  by executing  the Sublease,  has
agreed to by bound by the foregoing.

                                       10EXHIBIT 10.2

                        EQUITY LINE OF CREDIT AGREEMENT

         AGREEMENT  dated as of  January  15,  2003  (the  "AGREEMENT")  between
CORNELL CAPITAL PARTNERS,  LP, a Delaware limited  partnership (the "INVESTOR"),
and INTERCARD,  INC., a corporation organized and existing under the laws of the
State of Nevada (the "COMPANY").

         WHEREAS,  the parties  desire  that,  upon the terms and subject to the
conditions  contained herein,  the Company shall issue and sell to the Investor,
from time to time as provided  herein,  and the Investor shall purchase from the
Company up to Seven Million Five Hundred  Thousand  ($7,500,000)  Dollars of the
Company's common stock, par value $0.001 per share (the "COMMON STOCK"); and

         WHEREAS,  such investments will be made in reliance upon the provisions
of Regulation D ("REGULATION D") of the Securities Act of 1933, as amended,  and
the regulations promulgated there under (the "SECURITIES ACT"), and or upon such
other exemption from the registration  requirements of the Securities Act as may
be available with respect to any or all of the investments to be made hereunder.

         WHEREAS,  the Company has engaged  Aegis  Capital  Corp.  to act as the
Company's exclusive placement agent in connection with the sale of the Company's
Common Stock to the Investor hereunder.

         NOW, THEREFORE, the parties hereto agree as follows:

                                   ARTICLE I.
                               CERTAIN DEFINITIONS

         Section 1.1.  "ADVANCE" shall mean the portion of the Commitment Amount
requested by the Company in the Advance Notice.

         Section  1.2.  "ADVANCE  DATE"  shall  mean  the date  Butler  Gonzalez
LLP/Wachovia  Bank,  N.A.  Escrow  Account  is in  receipt of the funds from the
Investor and Butler Gonzalez LLP, as the Investor's Counsel, is in possession of
free trading shares from the Company and therefore an Advance by the Investor to
the Company  can be made and Butler  Gonzalez  LLP can release the free  trading
shares to the Investor.  No Advance Date shall be less than six (6) Trading Days
after an Advance Notice Date.

         Section  1.3.  "ADVANCE  NOTICE"  shall  mean a  written  notice to the
Investor  setting  forth the Advance  amount that the Company  requests from the
Investor and the Advance Date.

<PAGE>

         Section  1.4.  "ADVANCE  NOTICE  DATE" shall mean each date the Company
delivers to the  Investor an Advance  Notice  requiring  the Investor to advance
funds to the Company,  subject to the terms of this Agreement. No Advance Notice
Date shall be less than seven (7) Trading  Days after the prior  Advance  Notice
Date.

         Section 1.5. "BID PRICE" shall mean, on any date, the closing bid price
(as reported by Bloomberg  L.P.) of the Common Stock on the Principal  Market or
if the Common Stock is not traded on a Principal  Market,  the highest  reported
bid price for the Common  Stock,  as furnished by the  National  Association  of
Securities Dealers, Inc.

         Section 1.6. "CLOSING" shall mean one of the closings of a purchase and
sale of Common Stock pursuant to Section 2.3.

         Section 1.7.  "COMMITMENT AMOUNT" shall mean the aggregate amount of up
to Seven Million Five Hundred Thousand Dollars  ($7,500,000)  which the Investor
has agreed to provide to the Company in order to purchase the  Company's  Common
Stock pursuant to the terms and conditions of this Agreement.

         Section 1.8.  "COMMITMENT  PERIOD" shall mean the period  commencing on
the earlier to occur of (i) the Effective Date, or (ii) such earlier date as the
Company and the  Investor  may  mutually  agree in writing,  and expiring on the
earliest to occur of (x) the date on which the Investor  shall have made payment
of Advances  pursuant to this Agreement in the aggregate amount of Seven Million
Five  Hundred  Thousand  Dollars  ($7,500,000),  (y) the date this  Agreement is
terminated  pursuant to Section 2.5, or (z) the date occurring  twenty-four (24)
months after the  Effective  Date or thirty six (36) months after the  Effective
Date if the Company files either an amendment to the then effective registration
statement or a new registration statement has been declared effective.

         Section 1.9.  "COMMON STOCK" shall mean the Company's common stock, par
value $0.001 per share.

         Section 1.10. "CONDITION  SATISFACTION DATE" shall have the meaning set
forth in Section 7.2.

         Section 1.11. "DAMAGES" shall mean any loss, claim, damage,  liability,
costs and expenses (including,  without limitation,  reasonable  attorney's fees
and disbursements and costs and expenses of expert witnesses and investigation).

         Section  1.12.  "EFFECTIVE  DATE"  shall mean the date on which the SEC
first declares effective a Registration  Statement registering the resale of the
Registrable Securities as set forth in Section 7.2(a).

         Section 1.13.  "ESCROW AGREEMENT" shall mean the escrow agreement among
the Company, the Investor,  the Investor's Counsel and Wachovia Bank, N.A. dated
the date hereof.

         Section 1.14. "EXCHANGE ACT" shall mean the Securities and Exchange Act
of 1934, as amended, and the rules and regulations promulgated there under.

                                       2
<PAGE>

         Section  1.15.  "MATERIAL  ADVERSE  EFFECT"  shall mean any  condition,
circumstance, or situation that would prohibit or otherwise materially interfere
with the ability of the Company to enter into and perform any of its obligations
under this  Agreement  or the  Registration  Rights  Agreement  in any  material
respect.

         Section 1.16. "MARKET PRICE" shall mean the lowest closing Bid Price of
the Common Stock during the Pricing Period.

         Section 1.17.  "MAXIMUM  ADVANCE AMOUNT" shall be Seventy Five Thousand
Dollars ($75,000) per Advance Notice.

         Section 1.18. "NASD" shall mean the National  Association of Securities
Dealers, Inc.

         Section 1.19.  "PERSON"  shall mean an  individual,  a  corporation,  a
partnership, an association, a trust or other entity or organization,  including
a government or political subdivision or an agency or instrumentality thereof.

         Section 1.20.  "PLACEMENT AGENT" shall mean Westrock Advisors,  Inc., a
registered broker-dealer.

         Section  1.21.  "PRICING  PERIOD"  shall mean the five (5)  consecutive
Trading Days after the Advance Notice Date.

         Section 1.22. "PRINCIPAL MARKET" shall mean the Nasdaq National Market,
the Nasdaq SmallCap Market, the American Stock Exchange,  the OTC Bulletin Board
or the New York Stock Exchange,  whichever is at the time the principal  trading
exchange or market for the Common Stock.

         Section  1.23.  "PURCHASE  PRICE"  shall be set at ninety five  percent
(95%) of the Market Price during the Pricing Period.

         Section 1.24. "REGISTRABLE  SECURITIES" shall mean the shares of Common
Stock (i) in respect of which the  Registration  Statement has not been declared
effective by the SEC, (ii) which have not been sold under circumstances  meeting
all of the applicable  conditions of Rule 144 (or any similar  provision then in
force)  under the  Securities  Act  ("RULE  144") or (iii)  which  have not been
otherwise  transferred to a holder who may trade such shares without restriction
under the  Securities  Act, and the Company has delivered a new  certificate  or
other  evidence of  ownership  for such  securities  not  bearing a  restrictive
legend.

         Section  1.25.   "REGISTRATION   RIGHTS   AGREEMENT"   shall  mean  the
Registration Rights Agreement dated the date hereof, regarding the filing of the
Registration  Statement for the resale of the  Registrable  Securities,  entered
into between the Company and the Investor.

         Section  1.26.  "REGISTRATION  STATEMENT"  shall  mean  a  registration
statement  on Form S-1 or SB-2  (if use of such  form is then  available  to the
Company  pursuant  to the  rules  of the SEC and,  if not,  on such  other  form
promulgated  by the SEC for which the Company then  qualifies  and which counsel
for the Company  shall deem  appropriate,  and which form shall be available for
the  resale  of the  Registrable  Securities  to be  registered  there  under in

                                       3
<PAGE>

accordance  with the  provisions of this Agreement and the  Registration  Rights
Agreement,  and in accordance  with the intended  method of distribution of such
securities),  for  the  registration  of  the  resale  by  the  Investor  of the
Registrable Securities under the Securities Act.

         Section  1.27.  "REGULATION  D" shall have the meaning set forth in the
recitals of this Agreement.

         Section 1.28. "SEC" shall mean the Securities and Exchange Commission.

         Section 1.29.  "SECURITIES ACT" shall have the meaning set forth in the
recitals of this Agreement.

         Section 1.30. "SEC DOCUMENTS" shall mean Annual Reports on Form 10-KSB,
Quarterly  Reports  on  Form  10-QSB,  Current  Reports  on Form  8-K and  Proxy
Statements  of the  Company as  supplemented  to the date  hereof,  filed by the
Company for a period of at least twelve (12) months  immediately  preceding  the
date  hereof or the  Advance  Date,  as the case may be,  until such time as the
Company  no  longer  has  an  obligation  to  maintain  the  effectiveness  of a
Registration Statement as set forth in the Registration Rights Agreement.

         Section  1.31.  "TRADING  DAY" shall mean any day during  which the New
York Stock Exchange shall be open for business.

                                   ARTICLE II.
                                    ADVANCES

         Section 2.1.      INVESTMENTS.

                  (a) ADVANCES.  Upon the terms and  conditions set forth herein
(including,  without  limitation,  the provisions of Article VII hereof), on any
Advance  Notice Date the  Company may request an Advance by the  Investor by the
delivery  of an Advance  Notice.  The number of shares of Common  Stock that the
Investor  shall  receive for each Advance  shall be  determined  by dividing the
amount of the Advance by the  Purchase  Price.  No  fractional  shares  shall be
issued.  Fractional  shares  shall be rounded to the next higher whole number of
shares.  The aggregate maximum amount of all Advances that the Investor shall be
obligated to make under this Agreement shall not exceed the Commitment Amount.

                  (b) The Company  acknowledges  that the  Investor may sell the
Company's  Common  Stock  purchased  pursuant  to an Advance  Notice  during the
corresponding Pricing Period.

         Section 2.2.      MECHANICS.

                  (a) ADVANCE NOTICE. At any time during the Commitment  Period,
the  Company  may  deliver an  Advance  Notice to the  Investor,  subject to the
conditions  set forth in Section  7.2;  provided,  however,  the amount for each
Advance as designated by the Company in the applicable Advance Notice, shall not
be more than the Maximum  Advance Amount.  The aggregate  amount of the Advances
pursuant to this Agreement shall not exceed the Commitment  Amount.  The Company
acknowledges  that the  Investor may sell shares of the  Company's  Common Stock

                                       4
<PAGE>

corresponding  with a particular Advance Notice on the day the Advance Notice is
received  by the  Investor.  There will be a minimum of seven (7)  Trading  Days
between each Advance Notice Date.

                  (b) DATE OF  DELIVERY  OF ADVANCE  NOTICE.  An Advance  Notice
shall be deemed  delivered on (i) the Trading Day it is received by facsimile or
otherwise by the Investor if such notice is received prior to 12:00 noon Eastern
Time,  or (ii) the  immediately  succeeding  Trading  Day if it is  received  by
facsimile or otherwise  after 12:00 noon Eastern Time on a Trading Day or at any
time on a day  which is not a  Trading  Day.  No  Advance  Notice  may be deemed
delivered, on a day that is not a Trading Day.

                  (c)  PRE-CLOSING  SHARE  CREDIT.  Within two (2) business days
after the Advance  Notice Date, the Company shall credit shares of the Company's
Common Stock to the Investor's balance account with The Depository Trust Company
through its Deposit  Withdrawal At Custodian  system,  in an amount equal to the
amount  of the  requested  Advance  divided  by the  closing  Bid  Price  of the
Company's Common Stock as of the Advance Notice Date multiplied by one point one
(1.1).  Any  adjustments to the number of shares to be delivered to the Investor
at the  Closing  as a result of  fluctuations  in the  closing  Bid Price of the
Company's  Common Stock shall be made as of the date of the Closing.  Any excess
shares  shall be credited to the next  Advance.  In no event shall the number of
shares issuable to the Investor pursuant to an Advance cause the Investor to own
in excess of nine and 9/10 percent (9.9%) of the then  outstanding  Common Stock
of the Company.

                  (d)  HARDSHIP.  In the event the Investor  sells the Company's
Common Stock  pursuant to subsection  (c) above and the Company fails to perform
its obligations as mandated in Section 2.5 and 2.2 (c), and  specifically  fails
to  provide  the  Investor  with the shares of Common  Stock for the  applicable
Advance,  the Company  acknowledges  that the Investor  shall  suffer  financial
hardship  and  therefore  shall be liable for any and all  losses,  commissions,
fees, or financial hardship caused to the Investor.

         Section 2.3.  CLOSINGS.  On each Advance  Date,  which shall be six (6)
Trading Days after an Advance  Notice Date, (i) the Company shall deliver to the
Investor's Counsel,  as defined pursuant to the Escrow Agreement,  shares of the
Company's  Common Stock,  representing the amount of the Advance by the Investor
pursuant to Section 2.1 herein,  registered  in the name of the  Investor  which
shall be delivered to the Investor,  or otherwise in accordance  with the Escrow
Agreement  and (ii) the  Investor  shall  deliver to Wachovia  Bank,  N.A.  (the
"ESCROW  AGENT") the amount of the Advance  specified  in the Advance  Notice by
wire  transfer of  immediately  available  funds which shall be delivered to the
Company, or otherwise in accordance with the Escrow Agreement.  In addition,  on
or prior to the Advance Date, each of the Company and the Investor shall deliver
to the other  through the  Investor's  Counsel all  documents,  instruments  and
writings  required to be delivered by either of them pursuant to this  Agreement
in order to implement and effect the transactions  contemplated herein.  Payment
of funds to the  Company  and  delivery  of the  Company's  Common  Stock to the
Investor shall occur in accordance with the conditions set forth above and those
contained in the Escrow  Agreement;  PROVIDED,  HOWEVER,  that to the extent the
Company has not paid the fees, expenses,  and disbursements of the Investor, the
Investor's  counsel or  Kirkpatrick  & Lockhart LLP in  accordance  with Section
12.4, the amount of such fees,  expenses,  and  disbursements may be deducted by
the Investor  (and shall be paid to the  relevant  party) from the amount of the

                                       5
<PAGE>

Advance with no reduction in the amount of shares of the Company's  Common Stock
to be delivered on such Advance Date.

         Section 2.4. TERMINATION OF INVESTMENT.  The obligation of the Investor
to make an Advance to the Company  pursuant to this  Agreement  shall  terminate
permanently  (including  with  respect  to an  Advance  Date  that  has  not yet
occurred)  in the event that (i) there shall occur any stop order or  suspension
of the  effectiveness  of the  Registration  Statement for an aggregate of fifty
(50)  Trading  Days,  other  than due to the acts of the  Investor,  during  the
Commitment  Period,  and (ii) the Company  shall at any time fail  materially to
comply with the  requirements of Article VI and such failure is not cured within
thirty (30) days after receipt of written  notice from the  Investor,  PROVIDED,
HOWEVER,  that  this  termination  provision  shall  not  apply  to  any  period
commencing upon the filing of a  post-effective  amendment to such  Registration
Statement  and ending upon the date on which such post  effective  amendment  is
declared effective by the SEC.

         Section 2.5.      AGREEMENT TO ADVANCE FUNDS.

                  (a) The Investor agrees to advance the amount specified in the
Advance  Notice to the Company  after the  completion  of each of the  following
conditions and the other conditions set forth in this Agreement:

                           (i) the  execution  and delivery by the Company,  and
the Investor, of this Agreement, and the Exhibits hereto;

                           (ii)  Investor's  Counsel  shall  have  received  the
shares of Common  Stock  applicable  to the Advance in  accordance  with Section
2.2(c) hereof;

                           (iii) the Company  shall have secured the listing and
trading of the Company's  Common Stock on the Over the Counter Bulletin Board or
other recognized exchange (excluding the pink sheets);

                           (iv)  the  Company's   Registration   Statement  with
respect to the resale of the Registrable Securities in accordance with the terms
of the Registration  Rights Agreement shall have been declared  effective by the
SEC;

                           (v) the  Company  shall have  obtained  all  material
permits and  qualifications  required by any applicable  state for the offer and
sale of the Registrable Securities, or shall have the availability of exemptions
there from. The sale and issuance of the Registrable Securities shall be legally
permitted by all laws and regulations to which the Company is subject;

                           (vi) the Company shall have filed with the Commission
in a timely  manner all  reports,  notices  and other  documents  required  of a
"reporting   company"   under  the  Exchange  Act  and   applicable   Commission
regulations;

                           (vii) the fees as set  forth in  Section  12.4  below
shall have been paid or can be withheld as provided in Section 2.3; and

                                       6
<PAGE>

                           (viii) the  conditions set forth in Section 7.2 shall
have been satisfied.

                           (ix) The Company  shall have provided to the Investor
an acknowledgement,  from  _____________,  the Company's  accountant,  as to its
ability  to  provide  all  consents  required  in order  to file a  registration
statement in connection with this transaction;

                           (x)  The  Company's  transfer  agent  shall  be  DWAC
eligible.

         Section 2.6.      LOCK UP PERIOD.

                           (i) The Company shall not,  without the prior consent
of the Investor, issue or sell (i) any Common Stock without consideration or for
a  consideration  per share less than the Bid Price on the date of  issuance  or
(ii) issue or sell any warrant, option, right, contract, call, or other security
or  instrument  granting  the holder  thereof the right to acquire  Common Stock
without  consideration or for a consideration  per share less than the Bid Price
on the date of issuance.

                           (ii) On the date  hereof,  the Company  shall  obtain
from each officer and director a lock-up  agreement,  as defined  below,  in the
form annexed hereto as Schedule  2.6(b) agreeing to only sell in compliance with
the volume limitation of Rule 144.

                                  ARTICLE III.
                   REPRESENTATIONS AND WARRANTIES OF INVESTOR

         Investor  hereby  represents  and  warrants  to, and agrees  with,  the
Company  that the  following  are true and as of the date  hereof and as of each
Advance Date:

         Section  3.1.  ORGANIZATION  AND  AUTHORIZATION.  The  Investor is duly
incorporated  or  organized  and  validly  existing in the  jurisdiction  of its
incorporation  or  organization  and has all  requisite  power and  authority to
purchase and hold the securities issuable hereunder.  The decision to invest and
the execution and delivery of this Agreement by such Investor,  the  performance
by such  Investor of its  obligations  hereunder  and the  consummation  by such
Investor of the transactions  contemplated  hereby have been duly authorized and
requires no other  proceedings on the part of the Investor.  The undersigned has
the right,  power and  authority to execute and deliver this  Agreement  and all
other  instruments  (including,  without  limitations,  the Registration  Rights
Agreement), on behalf of the Investor. This Agreement has been duly executed and
delivered by the Investor and,  assuming the  execution and delivery  hereof and
acceptance thereof by the Company,  will constitute the legal, valid and binding
obligations of the Investor, enforceable against the Investor in accordance with
its terms.

         Section 3.2.  EVALUATION OF RISKS.  The Investor has such knowledge and
experience in financial tax and business  matters as to be capable of evaluating
the  merits  and risks of,  and  bearing  the  economic  risks  entailed  by, an
investment  in the Company and of protecting  its  interests in connection  with
this  transaction.  It recognizes that its investment in the Company  involves a
high degree of risk.

         Section  3.3.  NO  LEGAL   ADVICE  FROM  THE   COMPANY.   The  Investor
acknowledges  that it had the  opportunity  to  review  this  Agreement  and the
transactions  contemplated  by this  Agreement with his or its own legal counsel
and investment and tax advisors.  The Investor is relying solely on such counsel
and advisors and not on any statements or  representations of the Company or any

                                       7
<PAGE>

of its  representatives  or agents  for legal,  tax or  investment  advice  with
respect to this investment,  the transactions  contemplated by this Agreement or
the securities laws of any jurisdiction.

         Section 3.4. INVESTMENT PURPOSE.  The securities are being purchased by
the  Investor for its own account,  for  investment  and without any view to the
distribution, assignment or resale to others or fractionalization in whole or in
part.  The Investor  agrees not to assign or in any way transfer the  Investor's
rights to the  securities  or any  interest  therein and  acknowledges  that the
Company  will not  recognize  any  purported  assignment  or transfer  except in
accordance with applicable  Federal and state  securities  laws. No other person
has or will have a direct or indirect beneficial interest in the securities. The
Investor agrees not to sell,  hypothecate,  pledge, grant a security interest or
otherwise   transfer  the  Investor's   securities  unless  the  securities  are
registered under Federal and applicable state securities laws or unless,  in the
opinion of counsel  satisfactory to the Company,  an exemption from such laws is
available.

         Section  3.5.  ACCREDITED  INVESTOR.  The  Investor  is an  "ACCREDITED
INVESTOR"  as that term is  defined in Rule  501(a)(3)  of  Regulation  D of the
Securities Act.

         Section  3.6.  INFORMATION.  The  Investor  and its  advisors  (and its
counsel),  if any,  have  been  furnished  with all  materials  relating  to the
business,  finances  and  operations  of the Company and  information  it deemed
material  to  making an  informed  investment  decision.  The  Investor  and its
advisors,  if any,  have been afforded the  opportunity  to ask questions of the
Company and its  management.  Neither such inquiries nor any other due diligence
investigations  conducted  by such  Investor  or its  advisors,  if any,  or its
representatives  shall modify,  amend or affect the Investor's  right to rely on
the Company's  representations and warranties  contained in this Agreement.  The
Investor  understands  that its  investment  involves a high degree of risk. The
Investor is in a position  regarding the Company,  which, based upon employment,
family  relationship  or economic  bargaining  power,  enabled and enables  such
Investor to obtain  information from the Company in order to evaluate the merits
and risks of this investment. The Investor has sought such accounting, business,
investment,  legal and tax advice,  as it has  considered  necessary  to make an
informed  investment  decision with respect to this transaction or hereby waives
them.

         Section  3.7.  RECEIPT OF  DOCUMENTS.  The Investor and its counsel has
received and read in their entirety: (i) this Agreement and the Exhibits annexed
hereto;  (ii) all due  diligence and other  information  necessary to verify the
accuracy and completeness of such representations, warranties and covenants; and
(iii) answers to all questions the Investor  submitted to the Company  regarding
an  investment  in the Company;  and the Investor has relied on the  information
contained  therein and has not been furnished any other  documents,  literature,
memorandum or prospectus.

         Section 3.8.  REGISTRATION  RIGHTS AGREEMENT AND ESCROW AGREEMENT.  The
parties have  entered  into the  Registration  Rights  Agreement  and the Escrow
Agreement, each dated the date hereof.

         Section 3.9. NO GENERAL  SOLICITATION.  Neither the Company, nor any of
its affiliates, nor any person acting on its or their behalf, has engaged in any

                                       8
<PAGE>

form of general  solicitation  or general  advertising  (within  the  meaning of
Regulation D under the Securities  Act) in connection  with the offer or sale of
the shares of Common Stock offered hereby.

         Section  3.10.  NOT AN  AFFILIATE.  The  Investor  is  not an  officer,
director  or  a  person  that  directly,  or  indirectly  through  one  or  more
intermediaries,  controls or is controlled  by, or is under common  control with
the Company or any  "AFFILIATE"  of the Company (as that term is defined in Rule
405 of the Securities Act).  Neither the Investor nor its Affiliates has an open
short position in the Common Stock of the Company,  and the Investor agrees that
it will not, and that it will cause its  Affiliates  not to, engage in any short
sales of or hedging transactions with respect to the Common Stock, provided that
the Company  acknowledges  and agrees that upon receipt of an Advance Notice the
Investor  will sell the  Shares to be issued  to the  Investor  pursuant  to the
Advance Notice, even if the Shares have not been delivered to the Investor.

                                   ARTICLE IV.
                  REPRESENTATIONS AND WARRANTIES OF THE COMPANY

         Except as stated below, on the disclosure schedules attached hereto the
Company hereby represents and warrants to, and covenants with, the Investor that
the following are true and correct as of the date hereof:

         Section  4.1.  ORGANIZATION  AND  QUALIFICATION.  The  Company  is duly
incorporated  or  organized  and  validly  existing in the  jurisdiction  of its
incorporation  or  organization  and  has  all  requisite  power  and  authority
corporate  power to own its properties and to carry on its business as now being
conducted.  Each of the  Company and its  subsidiaries  is duly  qualified  as a
foreign corporation to do business and is in good standing in every jurisdiction
in which the nature of the  business  conducted  by it makes such  qualification
necessary,  except to the extent  that the failure to be so  qualified  or be in
good standing  would not have a Material  Adverse  Effect on the Company and its
subsidiaries taken as a whole.

         Section  4.2.   AUTHORIZATION,   ENFORCEMENT,   COMPLIANCE  WITH  OTHER
INSTRUMENTS.  (i) The Company has the requisite corporate power and authority to
enter into and perform this Agreement,  the Registration  Rights Agreement,  the
Escrow Agreement,  the Placement Agent Agreement and any related agreements,  in
accordance with the terms hereof and thereof, (ii) the execution and delivery of
this Agreement,  the Registration  Rights Agreement,  the Escrow Agreement,  the
Placement  Agent  Agreement  and any related  agreements  by the Company and the
consummation by it of the  transactions  contemplated  hereby and thereby,  have
been duly  authorized by the Company's Board of Directors and no further consent
or  authorization  is required by the  Company,  its Board of  Directors  or its
stockholders,  (iii) this Agreement,  the  Registration  Rights  Agreement,  the
Escrow Agreement,  the Placement Agent Agreement and any related agreements have
been duly  executed  and  delivered  by the Company,  (iv) this  Agreement,  the
Registration  Rights  Agreement,  the  Escrow  Agreement,  the  Placement  Agent
Agreement and assuming the execution and delivery  thereof and acceptance by the
Investor and any related agreements constitute the valid and binding obligations
of the Company  enforceable  against the Company in accordance with their terms,
except as such  enforceability may be limited by general principles of equity or
applicable bankruptcy,  insolvency,  reorganization,  moratorium, liquidation or
similar laws relating to, or affecting generally,  the enforcement of creditors'
rights and remedies.

                                       9
<PAGE>

         Section  4.3.  CAPITALIZATION.  As of the date hereof,  the  authorized
capital stock of the Company consists of 800,000,000 shares of Common Stock, par
value $0.001 per share and no shares of Preferred  Stock,  par value $0.001,  of
which  500,000,000  shares of Common Stock and no shares of Preferred Stock were
issued and outstanding.  All of such outstanding shares have been validly issued
and are fully paid and  nonassessable.  No shares of Common Stock are subject to
preemptive  rights or any  other  similar  rights  or any liens or  encumbrances
suffered or permitted by the  Company.  As of the date hereof,  (i) there are no
outstanding  options,   warrants,  scrip,  rights  to  subscribe  to,  calls  or
commitments  of any  character  whatsoever  relating to, or securities or rights
convertible  into,  any  shares of  capital  stock of the  Company or any of its
subsidiaries, or contracts, commitments, understandings or arrangements by which
the  Company  or  any of  its  subsidiaries  is or may  become  bound  to  issue
additional  shares of capital stock of the Company or any of its subsidiaries or
options,  warrants,  scrip,  rights to subscribe to, calls or commitments of any
character  whatsoever relating to, or securities or rights convertible into, any
shares of capital  stock of the Company or any of its  subsidiaries,  (ii) there
are no  outstanding  debt  securities  and  (iii)  there  are no  agreements  or
arrangements  under which the Company or any of its subsidiaries is obligated to
register the sale of any of their  securities  under the  Securities Act (except
pursuant to the  Registration  Rights  Agreement).  There are no  securities  or
instruments  containing   anti-dilution  or  similar  provisions  that  will  be
triggered by this Agreement or any related  agreement or the consummation of the
transactions  described  herein or therein.  The Company  has  furnished  to the
Investor true and correct copies of the Company's  Certificate of Incorporation,
as  amended  and  as  in  effect  on  the  date  hereof  (the   "CERTIFICATE  OF
INCORPORATION"), and the Company's By-laws, as in effect on the date hereof (the
"BY-LAWS"),  and the terms of all securities convertible into or exercisable for
Common Stock and the material rights of the holders thereof in respect thereto.

         Section 4.4. NO CONFLICT.  The execution,  delivery and  performance of
this  Agreement  by the  Company  and the  consummation  by the  Company  of the
transactions  contemplated  hereby  will not (i)  result in a  violation  of the
Certificate of Incorporation, any certificate of designations of any outstanding
series of  preferred  stock of the Company or By-laws or (ii)  conflict  with or
constitute  a default  (or an event  which with  notice or lapse of time or both
would  become a default)  under,  or give to others  any rights of  termination,
amendment,   acceleration  or  cancellation  of,  any  agreement,  indenture  or
instrument to which the Company or any of its subsidiaries is a party, or result
in a  violation  of  any  law,  rule,  regulation,  order,  judgment  or  decree
(including  federal and state  securities laws and regulations and the rules and
regulations  of the  Principal  Market  on which  the  Common  Stock is  quoted)
applicable  to the Company or any of its  subsidiaries  or by which any material
property or asset of the Company or any of its subsidiaries is bound or affected
and which would  cause a Material  Adverse  Effect.  Neither the Company nor its
subsidiaries  is in violation of any term of or in default under its Certificate
of  Incorporation  or  By-laws  or  their  organizational  charter  or  by-laws,
respectively,  or any  material  contract,  agreement,  mortgage,  indebtedness,
indenture,  instrument,  judgment,  decree  or  order  or any  statute,  rule or
regulation  applicable to the Company or its  subsidiaries.  The business of the
Company and its subsidiaries is not being conducted in violation of any material
law, ordinance,  regulation of any governmental  entity.  Except as specifically
contemplated  by this Agreement and as required under the Securities Act and any

                                       10
<PAGE>

applicable  state  securities  laws,  the Company is not  required to obtain any
consent, authorization or order of, or make any filing or registration with, any
court or governmental agency in order for it to execute,  deliver or perform any
of its obligations  under or contemplated by this Agreement or the  Registration
Rights  Agreement in accordance with the terms hereof or thereof.  All consents,
authorizations,  orders, filings and registrations which the Company is required
to obtain  pursuant to the preceding  sentence have been obtained or effected on
or prior to the date hereof. The Company and its subsidiaries are unaware of any
fact or circumstance which might give rise to any of the foregoing.

         Section 4.5.  FINANCIAL  STATEMENTS.  As of their respective dates, the
financial statements of the Company complied as to form in all material respects
with applicable  accounting  requirements.  Such financial  statements have been
prepared  in  accordance   with  generally   accepted   accounting   principles,
consistently  applied,  during  the  periods  involved  (except  (i)  as  may be
otherwise  indicated in such financial  statements or the notes thereto, or (ii)
in the case of  unaudited  interim  statements,  to the extent  they may exclude
footnotes or may be condensed or summary  statements) and, fairly present in all
material respects the financial  position of the Company as of the dates thereof
and the  results of its  operations  and cash flows for the  periods  then ended
(subject,  in the  case  of  unaudited  statements,  to  normal  year-end  audit
adjustments).  No other  information  provided by or on behalf of the Company to
the Investor  contains any untrue statement of a material fact or omits to state
any material  fact  necessary in order to make the  statements  therein,  in the
light of the circumstances under which they were made, not misleading.

         Section 4.6. 106-5. The Financial  Statements do not include any untrue
statements  of  material  fact,  nor do they  omit to state  any  material  fact
required to be stated therein necessary to make the statements made, in light of
the circumstances under which they were made, not misleading.

         Section  4.7. NO  DEFAULT.  Except as  disclosed  in Section  4.4,  the
Company is not in default  in the  performance  or  observance  of any  material
obligation,  agreement,  covenant  or  condition  contained  in  any  indenture,
mortgage, deed of trust or other material instrument or agreement to which it is
a party or by which it is or its  property is bound and  neither the  execution,
nor the  delivery  by the  Company,  nor the  performance  by the Company of its
obligations  under this Agreement or any of the exhibits or  attachments  hereto
will  conflict  with or result in the breach or violation of any of the terms or
provisions  of, or  constitute a default or result in the creation or imposition
of any lien or  charge on any  assets or  properties  of the  Company  under its
Certificate of Incorporation, By-Laws, any material indenture, mortgage, deed of
trust or other  material  agreement  applicable  to the Company or instrument to
which the  Company is a party or by which it is bound,  or any  statute,  or any
decree, judgment, order, rules or regulation of any court or governmental agency
or body having  jurisdiction  over the Company or its  properties,  in each case
which  default,  lien or charge is likely to cause a Material  Adverse Effect on
the Company's business or financial condition.

         Section 4.8. ABSENCE OF EVENTS OF DEFAULT. Except for matters described
in this Agreement,  no Event of Default, as defined in the respective  agreement
to which the Company is a party,  and no event which,  with the giving of notice
or the  passage  of time or  both,  would  become  an Event  of  Default  (as so
defined),  has occurred and is continuing,  which would have a Material  Adverse
Effect on the Company's business, properties,  prospects, financial condition or
results of operations.

                                       11
<PAGE>

         Section  4.9.   INTELLECTUAL  PROPERTY  RIGHTS.  The  Company  and  its
subsidiaries  own or possess  adequate  rights or licenses  to use all  material
trademarks,  trade names,  service marks,  service mark  registrations,  service
names, patents,  patent rights,  copyrights,  inventions,  licenses,  approvals,
governmental authorizations, trade secrets and rights necessary to conduct their
respective businesses as now conducted.  The Company and its subsidiaries do not
have any knowledge of any  infringement  by the Company or its  subsidiaries  of
trademark,  trade name rights, patents, patent rights,  copyrights,  inventions,
licenses, service names, service marks, service mark registrations, trade secret
or other similar rights of others,  and, to the knowledge of the Company,  there
is no claim,  action or  proceeding  being  made or brought  against,  or to the
Company's  knowledge,  being threatened against, the Company or its subsidiaries
regarding trademark,  trade name, patents, patent rights, invention,  copyright,
license, service names, service marks, service mark registrations,  trade secret
or other  infringement;  and the Company and its subsidiaries are unaware of any
facts or circumstances which might give rise to any of the foregoing.

         Section 4.10.  EMPLOYEE  RELATIONS.  Neither the Company nor any of its
subsidiaries  is involved in any labor  dispute  nor,  to the  knowledge  of the
Company or any of its subsidiaries,  is any such dispute threatened. None of the
Company's or its subsidiaries'  employees is a member of a union and the Company
and its subsidiaries believe that their relations with their employees are good.

         Section 4.11.  ENVIRONMENTAL LAWS. The Company and its subsidiaries are
(i) in compliance with any and all applicable material foreign,  federal,  state
and local laws and  regulations  relating to the  protection of human health and
safety,  the environment or hazardous or toxic substances or wastes,  pollutants
or contaminants ("ENVIRONMENTAL LAWS"), (ii) have received all permits, licenses
or other  approvals  required  of them under  applicable  Environmental  Laws to
conduct their  respective  businesses and (iii) are in compliance with all terms
and conditions of any such permit, license or approval.

         Section 4.12.  TITLE.  The Company has good and marketable title to its
properties and material assets owned by it, free and clear of any pledge,  lien,
security interest,  encumbrance,  claim or equitable interest other than such as
are  not  material  to the  business  of the  Company.  Any  real  property  and
facilities held under lease by the Company and its subsidiaries are held by them
under valid,  subsisting and enforceable  leases with such exceptions as are not
material and do not interfere  with the use made and proposed to be made of such
property and buildings by the Company and its subsidiaries.

         Section 4.13.  INSURANCE.  The Company and each of its subsidiaries are
insured by insurers of recognized financial  responsibility  against such losses
and risks and in such  amounts  as  management  of the  Company  believes  to be
prudent  and  customary  in  the   businesses  in  which  the  Company  and  its
subsidiaries  are engaged.  Neither the Company nor any such subsidiary has been
refused any insurance coverage sought or applied for and neither the Company nor
any such  subsidiary has any reason to believe that it will not be able to renew
its existing  insurance  coverage as and when such coverage expires or to obtain
similar  coverage  from  similar  insurers as may be  necessary  to continue its
business at a cost that would not materially and adversely affect the condition,
financial or otherwise,  or the earnings,  business or operations of the Company
and its subsidiaries, taken as a whole.

                                       12
<PAGE>

         Section  4.14.  REGULATORY  PERMITS.  The Company and its  subsidiaries
possess all  material  certificates,  authorizations  and permits  issued by the
appropriate  federal,  state or  foreign  regulatory  authorities  necessary  to
conduct  their  respective  businesses,  and  neither  the  Company nor any such
subsidiary has received any notice of proceedings  relating to the revocation or
modification of any such certificate, authorization or permit.

         Section 4.15. INTERNAL ACCOUNTING CONTROLS. The Company and each of its
subsidiaries  maintain a system of internal  accounting  controls  sufficient to
provide  reasonable  assurance that (i)  transactions are executed in accordance
with  management's  general or specific  authorizations,  (ii)  transactions are
recorded  as  necessary  to  permit  preparation  of  financial   statements  in
conformity with generally accepted  accounting  principles and to maintain asset
accountability,  (iii) access to assets is  permitted  only in  accordance  with
management's   general  or  specific   authorization   and  (iv)  the   recorded
accountability  for assets is compared  with the existing  assets at  reasonable
intervals and appropriate action is taken with respect to any differences.

         Section 4.16. NO MATERIAL  ADVERSE  BREACHES,  ETC. Neither the Company
nor any of its subsidiaries is subject to any charter,  corporate or other legal
restriction,  or any judgment,  decree,  order,  rule or regulation which in the
judgment of the  Company's  officers  has or is expected in the future to have a
Material  Adverse  Effect on the  business,  properties,  operations,  financial
condition,   results  of   operations   or  prospects  of  the  Company  or  its
subsidiaries.  Neither the Company nor any of its  subsidiaries  is in breach of
any  contract or  agreement  which  breach,  in the  judgment  of the  Company's
officers,  has or is expected to have a Material Adverse Effect on the business,
properties,  operations, financial condition, results of operations or prospects
of the Company or its subsidiaries.

         Section  4.17.  ABSENCE  OF  LITIGATION.  There  is  no  action,  suit,
proceeding,  inquiry  or  investigation  before or by any court,  public  board,
government  agency,  self-regulatory  organization  or body  pending  against or
affecting the Company,  the Common Stock or any of the  Company's  subsidiaries,
wherein an  unfavorable  decision,  ruling or finding  would (i) have a Material
Adverse Effect on the transactions contemplated hereby (ii) adversely affect the
validity or  enforceability  of, or the  authority  or ability of the Company to
perform  its  obligations   under,  this  Agreement  or  any  of  the  documents
contemplated  herein,  or (iii) have a Material  Adverse Effect on the business,
operations,  properties,  financial  condition  or results of  operation  of the
Company and its subsidiaries taken as a whole.

         Section  4.18.  SUBSIDIARIES.  The Company  does not  presently  own or
control,  directly  or  indirectly,  any  interest  in  any  other  corporation,
partnership, association or other business entity.

         Section 4.19. TAX STATUS.  The Company and each of its subsidiaries has
made or filed all federal and state  income and all other tax  returns,  reports
and declarations required by any jurisdiction to which it is subject and (unless
and only to the extent  that the Company  and each of its  subsidiaries  has set
aside on its books provisions  reasonably adequate for the payment of all unpaid
and unreported taxes) has paid all taxes and other governmental  assessments and
charges  that are  material  in amount,  shown or  determined  to be due on such
returns,  reports and  declarations,  except those being contested in good faith
and has set aside on its books provision  reasonably adequate for the payment of
all taxes for periods  subsequent to the periods to which such returns,  reports
or declarations  apply. There are no unpaid taxes in any material amount claimed

                                       13
<PAGE>

to be due by the taxing authority of any  jurisdiction,  and the officers of the
Company know of no basis for any such claim.

         Section 4.20. CERTAIN TRANSACTIONS. None of the officers, directors, or
employees  of the  Company  is  presently  a party to any  transaction  with the
Company (other than for services as employees,  officers and directors or monies
loaned or advanced to any such person),  including  any  contract,  agreement or
other  arrangement  providing for the furnishing of services to or by, providing
for rental of real or  personal  property  to or from,  or  otherwise  requiring
payments to or from any officer,  director or such employee or, to the knowledge
of the Company, any corporation, partnership, trust or other entity in which any
officer,  director,  or any such  employee has a  substantial  interest or is an
officer, director, trustee or partner.

         Section  4.21.  FEES AND RIGHTS OF FIRST  REFUSAL.  The  Company is not
obligated to offer the securities  offered hereunder on a right of first refusal
basis or otherwise to any third parties  including,  but not limited to, current
or former shareholders of the Company,  underwriters,  brokers,  agents or other
third parties.

         Section  4.22.  USE OF PROCEEDS.  The Company  represents  that the net
proceeds  from  this  offering  will be used  for  general  corporate  purposes.
However,  in no event shall the net proceeds  from this  offering be used by the
Company for the  payment  (or loaned to any such person for the  payment) of any
judgment,  or other  liability,  incurred  by any  executive  officer,  officer,
director or  employee  of the  Company,  except for any  liability  owed to such
person for services  rendered,  monies  loaned or advanced or if any judgment or
other liability is incurred by such person originating from services rendered to
the Company, or the Company has indemnified such person from liability.

         Section 4.23. FURTHER REPRESENTATION AND WARRANTIES OF THE COMPANY. For
so  long as any  securities  issuable  hereunder  held  by the  Investor  remain
outstanding, the Company acknowledges,  represents,  warrants and agrees that it
will maintain the listing of its Common Stock on the Principal Market.

         Section  4.24.  OPINION OF COUNSEL.  Investor  shall receive an opinion
letter from  Kirkpatrick & Lockhart LLP,  counsel to the Company  (updated where
applicable) on the date hereof.

         Section  4.25.  OPINION OF  COUNSEL.  The  Company  will obtain for the
Investor, at the Company's expense, any and all opinions of counsel which may be
reasonably  required in order to sell the securities  issuable hereunder without
restriction.

         Section  4.26.  DILUTION.  The Company is aware and  acknowledges  that
issuance  of shares of the  Company's  Common  Stock  could  cause  dilution  to
existing shareholders and could significantly increase the outstanding number of
shares of Common Stock.

                                       14
<PAGE>

                                   ARTICLE V.
                                 INDEMNIFICATION

         The Investor and the Company  represent to the other the following with
respect to itself:

         Section 5.1.      INDEMNIFICATION.

                  (a) In consideration of the Investor's  execution and delivery
of this  Agreement,  and in addition to all of the Company's  other  obligations
under this  Agreement,  the Company  shall defend,  protect,  indemnify and hold
harmless the Investor, and all of its officers,  directors,  partners, employees
and agents (including, without limitation, those retained in connection with the
transactions  contemplated  by  this  Agreement)  (collectively,  the  "INVESTOR
INDEMNITEES")  from and against any and all  actions,  causes of action,  suits,
claims, losses, costs, penalties, fees, liabilities and damages, and expenses in
connection therewith  (irrespective of whether any such Investor Indemnitee is a
party  to the  action  for  which  indemnification  hereunder  is  sought),  and
including  reasonable   attorneys'  fees  and  disbursements  (the  "INDEMNIFIED
LIABILITIES"),  incurred by the Investor  Indemnitees or any of them as a result
of, or arising out of, or relating to (a) any misrepresentation or breach of any
representation  or  warranty  made  by the  Company  in  this  Agreement  or the
Registration  Rights Agreement or any other certificate,  instrument or document
contemplated  hereby or thereby,  (b) any breach of any  covenant,  agreement or
obligation of the Company contained in this Agreement or the Registration Rights
Agreement or any other certificate,  instrument or document  contemplated hereby
or thereby,  or (c) any cause of action,  suit or claim  brought or made against
such  Investor  Indemnitee  not  arising  out of any  action or  inaction  of an
Investor  Indemnitee,  and  arising  out of or  resulting  from  the  execution,
delivery,  performance or enforcement of this Agreement or any other instrument,
document  or  agreement   executed  pursuant  hereto  by  any  of  the  Investor
Indemnitees.  To the extent that the foregoing undertaking by the Company may be
unenforceable for any reason, the Company shall make the maximum contribution to
the payment and  satisfaction of each of the Indemnified  Liabilities,  which is
permissible under applicable law.

                  (b) In consideration  of the Company's  execution and delivery
of this Agreement,  and in addition to all of the Investor's  other  obligations
under this  Agreement,  the Investor shall defend,  protect,  indemnify and hold
harmless the Company and all of its officers, directors, shareholders, employees
and agents (including, without limitation, those retained in connection with the
transactions  contemplated  by  this  Agreement)  (collectively,   the  "COMPANY
INDEMNITEES") from and against any and all Indemnified  Liabilities  incurred by
the  Company  Indemnitees  or any of them as a result of, or arising  out of, or
relating  to (a)  any  misrepresentation  or  breach  of any  representation  or
warranty  made  by the  Investor  in this  Agreement,  the  Registration  Rights
Agreement, or any instrument or document contemplated hereby or thereby executed
by the Investor, (b) any breach of any covenant,  agreement or obligation of the
Investor(s)  contained in this Agreement,  the Registration  Rights Agreement or
any other  certificate,  instrument or document  contemplated  hereby or thereby
executed by the Investor,  or (c) any cause of action,  suit or claim brought or
made against such Company  Indemnitee  based on  misrepresentations  or due to a
breach by the  Investor  and arising  out of or  resulting  from the  execution,
delivery,  performance or enforcement of this Agreement or any other instrument,
document  or  agreement   executed   pursuant  hereto  by  any  of  the  Company
Indemnitees. To the extent that the foregoing undertaking by the Investor may be
unenforceable for any reason,  the Investor shall make the maximum  contribution
to the payment and satisfaction of each of the Indemnified Liabilities, which is
permissible under applicable law.

                                       15
<PAGE>

                                   ARTICLE VI.
                            COVENANTS OF THE COMPANY

         Section  6.1.   REGISTRATION   RIGHTS.  The  Company  shall  cause  the
Registration Rights Agreement to remain in full force and effect and the Company
shall comply in all material respects with the terms thereof.

         Section  6.2.  LISTING OF COMMON  STOCK.  The Company  shall obtain and
maintain  the  Common  Stock's  authorization  for  quotation  on  the  National
Association  of  Securities  Dealers  Over the Counter  Bulletin  Board or other
recognized exchange (excluding the pink sheets).

         Section  6.3.  EXCHANGE  ACT  REGISTRATION.  The Company will cause its
Common Stock to continue to be  registered  under  Section 12(g) of the Exchange
Act, will file in a timely manner all reports and other documents required of it
as a reporting  company  under the  Exchange Act and will not take any action or
file any document  (whether or not  permitted by Exchange Act or the rules there
under to terminate or suspend such  registration  or to terminate or suspend its
reporting and filing obligations under said Exchange Act.

         Section  6.4.  TRANSFER  AGENT  INSTRUCTIONS.  Not  later  than two (2)
business  days after each Advance  Notice Date and prior to each Closing and the
effectiveness  of the  Registration  Statement and resale of the Common Stock by
the Investor,  the Company will deliver  instructions  to its transfer  agent to
issue shares of Common Stock free of restrictive legends.

         Section  6.5.  CORPORATE  EXISTENCE.  The  Company  will take all steps
necessary to preserve and continue the corporate existence of the Company.

         Section  6.6.   NOTICE  OF  CERTAIN  EVENTS   AFFECTING   REGISTRATION;
SUSPENSION OF RIGHT TO MAKE AN Advance.  The Company will immediately notify the
Investor  upon its  becoming  aware of the  occurrence  of any of the  following
events in respect of a registration  statement or related prospectus relating to
an offering of Registrable Securities: (i) receipt of any request for additional
information  by the SEC or any other  Federal  or state  governmental  authority
during the period of effectiveness of the Registration  Statement for amendments
or supplements to the  registration  statement or related  prospectus;  (ii) the
issuance by the SEC or any other Federal or state governmental  authority of any
stop order suspending the  effectiveness  of the  Registration  Statement or the
initiation  of  any  proceedings   for  that  purpose;   (iii)  receipt  of  any
notification  with respect to the suspension of the  qualification  or exemption
from  qualification  of  any of  the  Registrable  Securities  for  sale  in any
jurisdiction  or the  initiation  or  threatening  of any  proceeding  for  such
purpose;  (iv) the happening of any event that makes any  statement  made in the
Registration  Statement or related  prospectus of any document  incorporated  or
deemed to be incorporated therein by reference untrue in any material respect or
that requires the making of any changes in the Registration  Statement,  related
prospectus or documents so that, in the case of the Registration  Statement,  it
will not contain any untrue  statement  of a material  fact or omit to state any
material fact required to be stated  therein or necessary to make the statements

                                       16
<PAGE>

therein not misleading,  and that in the case of the related prospectus, it will
not  contain  any  untrue  statement  of a  material  fact or omit to state  any
material fact required to be stated  therein or necessary to make the statements
therein,  in the light of the  circumstances  under  which they were  made,  not
misleading; and (v) the Company's reasonable determination that a post-effective
amendment to the  Registration  Statement would be appropriate;  and the Company
will promptly make available to the Investor any such supplement or amendment to
the related  prospectus.  The  Company  shall not  deliver to the  Investor  any
Advance Notice during the continuation of any of the foregoing events.

         Section 6.7.  EXPECTATIONS  REGARDING ADVANCE NOTICES.  Within ten (10)
days after the commencement of each calendar quarter occurring subsequent to the
commencement of the Commitment Period, the Company must notify the Investor,  in
writing, as to its reasonable expectations as to the dollar amount it intends to
raise  during such  calendar  quarter,  if any,  through the issuance of Advance
Notices.  Such  notification  shall  constitute  only the  Company's  good faith
estimate and shall in no way  obligate the Company to raise such amount,  or any
amount,  or otherwise limit its ability to deliver Advance Notices.  The failure
by the  Company  to comply  with this  provision  can be cured by the  Company's
notifying  the  Investor,   in  writing,  at  any  time  as  to  its  reasonable
expectations with respect to the current calendar quarter.

         Section  6.8.  CONSENT OF  INVESTOR TO SELL  COMMON  STOCK.  During the
Commitment  Period,  the  Company  shall not issue or sell (i) any Common  Stock
without  consideration or for a consideration  per share less than its Bid Price
determined  immediately  prior to its issuance,  (ii) issue or sell any warrant,
option,  right,  contract,  call, or other  security or instrument  granting the
holder thereof the right to acquire Common Stock without  consideration or for a
consideration  per share  less than such  Common  Stock's  Bid Price  determined
immediately prior to its issuance,  or (iii) file any registration  statement on
Form S-8.

         Section 6.9. CONSOLIDATION;  MERGER. The Company shall not, at any time
after the date hereof, effect any merger or consolidation of the Company with or
into,  or a transfer  of all or  substantially  all the assets of the Company to
another  entity (a  "CONSOLIDATION  EVENT")  unless the  resulting  successor or
acquiring  entity  (if  not the  Company)  assumes  by  written  instrument  the
obligation to deliver to the Investor such shares of stock and/or  securities as
the Investor is entitled to receive pursuant to this Agreement.

         Section 6.10.  ISSUANCE OF THE COMPANY'S  COMMON STOCK. The sale of the
shares of Common  Stock  shall be made in  accordance  with the  provisions  and
requirements of Regulation D and any applicable state securities law.

                                  ARTICLE VII.
                CONDITIONS FOR ADVANCE AND CONDITIONS TO CLOSING

         Section 7.1.  CONDITIONS  PRECEDENT TO THE  OBLIGATIONS OF THE COMPANY.
The  obligation  hereunder of the Company to issue and sell the shares of Common
Stock to the Investor  incident to each Closing is subject to the  satisfaction,
or  waiver  by the  Company,  at or before  each  such  Closing,  of each of the
conditions set forth below.

                                       17
<PAGE>

                  (a) ACCURACY OF THE INVESTOR'S REPRESENTATIONS AND WARRANTIES.
The  representations and warranties of the Investor shall be true and correct in
all material respects.

                  (b)  PERFORMANCE  BY THE  INVESTOR.  The  Investor  shall have
performed, satisfied and complied in all respects with all covenants, agreements
and conditions  required by this Agreement and the Registration Rights Agreement
to be performed,  satisfied or complied with by the Investor at or prior to such
Closing.

         Section  7.2.  CONDITIONS  PRECEDENT  TO THE  RIGHT OF THE  COMPANY  TO
DELIVER AN ADVANCE NOTICE AND THE OBLIGATION OF THE INVESTOR TO PURCHASE  SHARES
OF COMMON STOCK.  The right of the Company to deliver an Advance  Notice and the
obligation  of the  Investor  hereunder  to  acquire  and pay for  shares of the
Company's  Common Stock  incident to a Closing is subject to the  fulfillment by
the  Company,  on (i) the date of delivery of such  Advance  Notice and (ii) the
applicable Advance Date (each a "CONDITION  SATISFACTION  DATE"), of each of the
following conditions:

                  (a) PUBLIC LISTING. The Company shall have secured the listing
and  trading of the  Company's  Common  Stock on the Over the  Counter  Bulletin
Board.

                  (b) REGISTRATION OF THE COMMON STOCK WITH THE SEC. The Company
shall have  filed  with the SEC a  Registration  Statement  with  respect to the
resale  of the  Registrable  Securities  in  accordance  with  the  terms of the
Registration  Rights  Agreement.   As  set  forth  in  the  Registration  Rights
Agreement, the Registration Statement shall have previously become effective and
shall remain effective on each Condition  Satisfaction  Date and (i) neither the
Company nor the Investor  shall have received  notice that the SEC has issued or
intends to issue a stop order with respect to the Registration Statement or that
the  SEC  otherwise  has  suspended  or  withdrawn  the   effectiveness  of  the
Registration  Statement,  either  temporarily or permanently,  or intends or has
threatened  to do so (unless  the SEC's  concerns  have been  addressed  and the
Investor  is  reasonably  satisfied  that the SEC no  longer is  considering  or
intends  to take  such  action),  and  (ii) no  other  suspension  of the use or
withdrawal  of  the  effectiveness  of the  Registration  Statement  or  related
prospectus  shall exist.  The  Registration  Statement  must have been  declared
effective by the SEC prior to the first Advance Notice Date.

                  (c) AUTHORITY. The Company shall have obtained all permits and
qualifications   required  by  any  applicable  state  in  accordance  with  the
Registration  Rights  Agreement  for the offer and sale of the  shares of Common
Stock,  or shall have the  availability  of exemptions  there from. The sale and
issuance of the shares of Common  Stock shall be legally  permitted  by all laws
and regulations to which the Company is subject.

                  (d) FUNDAMENTAL CHANGES. There shall not exist any fundamental
changes to the information set forth in the  Registration  Statement which would
require  the  Company to file a  post-effective  amendment  to the  Registration
Statement.

                  (e)  PERFORMANCE  BY  THE  COMPANY.  The  Company  shall  have
performed,  satisfied and complied in all material  respects with all covenants,
agreements  and  conditions  required  by  this  Agreement  (including,  without

                                       18
<PAGE>

limitation, the conditions specified in Section 2.5 hereof) and the Registration
Rights  Agreement to be performed,  satisfied or complied with by the Company at
or prior to each Condition Satisfaction Date.

                  (f) NO INJUNCTION.  No statute,  rule,  regulation,  executive
order,  decree,   ruling  or  injunction  shall  have  been  enacted,   entered,
promulgated  or endorsed by any court or  governmental  authority  of  competent
jurisdiction  that  prohibits  or  directly  and  adversely  affects  any of the
transactions  contemplated by this Agreement,  and no proceeding shall have been
commenced that may have the effect of prohibiting or adversely  affecting any of
the transactions contemplated by this Agreement.

                  (g) NO  SUSPENSION OF TRADING IN OR DELISTING OF COMMON STOCK.
The trading of the Common  Stock is not  suspended  by the SEC or the  Principal
Market (if the Common  Stock is traded on a Principal  Market).  The issuance of
shares of Common Stock with respect to the applicable Closing, if any, shall not
violate the shareholder  approval  requirements of the Principal  Market (if the
Common  Stock is traded  on a  Principal  market).  The  Company  shall not have
received any notice threatening the continued listing of the Common Stock on the
Principal Market (if the Common Stock is traded on a Principal Market).

                  (h)  MAXIMUM  ADVANCE  AMOUNT.  The  amount of the  individual
Advance  requested by the Company does not exceed the Maximum Advance Amount. In
addition,  in no event  shall  the  number of shares  issuable  to the  Investor
pursuant  to an  Advance  cause the  Investor  to own in excess of nine and 9/10
percent (9.9%) of the then outstanding Common Stock of the Company.

                  (i) NO  KNOWLEDGE.  The Company has no  knowledge of any event
more likely than not to have the effect of causing such  Registration  Statement
to be suspended or otherwise ineffective.

                  (j) OTHER. On each Condition  Satisfaction  Date, the Investor
shall have received the certificate executed by an officer of the Company in the
form of EXHIBIT A attached hereto.

                  (k) TRANSFER  AGENT.  Promptly upon engaging a transfer agent,
which  engagement shall occur prior to the Company listing its common stock, the
Company shall obtain and deliver to the Investor Transfer Agent  Instructions in
form and substance satisfactory to the Investor in its sole discretion.

                                  ARTICLE VIII.
         DUE DILIGENCE REVIEW; NON-DISCLOSURE OF NON-PUBLIC INFORMATION

         Section  8.1.  DUE  DILIGENCE  REVIEW.  Prior  to  the  filing  of  the
Registration  Statement the Company  shall make  available  for  inspection  and
review by the Investor,  advisors to and  representatives  of the Investor,  any
underwriter  participating  in any disposition of the Registrable  Securities on
behalf  of  the  Investor  pursuant  to the  Registration  Statement,  any  such
registration  statement or amendment or supplement thereto or any blue sky, NASD
or other  filing,  all  financial  and other  records,  and all other  corporate
documents and  properties of the Company as may be reasonably  necessary for the
purpose  of such  review,  and  cause  the  Company's  officers,  directors  and
employees to supply all such information reasonably requested by the Investor or
any  such  representative,  advisor  or  underwriter  in  connection  with  such

                                       19
<PAGE>

Registration  Statement  (including,  without  limitation,  in  response  to all
questions  and other  inquiries  reasonably  made or  submitted by any of them),
prior to and  from  time to time  after  the  filing  and  effectiveness  of the
Registration  Statement  for the sole  purpose of enabling the Investor and such
representatives,  advisors and underwriters and their respective accountants and
attorneys  to conduct  initial  and ongoing due  diligence  with  respect to the
Company and the accuracy of the Registration Statement.

         Section 8.2.      NON-DISCLOSURE OF NON-PUBLIC INFORMATION.

                  (a) The Company shall not disclose  non-public  information to
the Investor,  advisors to or  representatives  of the Investor  unless prior to
disclosure of such information the Company  identifies such information as being
non-public   information   and  provides  the   Investor,   such   advisors  and
representatives  with the  opportunity  to  accept  or  refuse  to  accept  such
non-public information for review. The Company may, as a condition to disclosing
any  non-public  information  hereunder,  require the  Investor's  advisors  and
representatives  to enter into a  confidentiality  agreement in form  reasonably
satisfactory to the Company and the Investor.

                  (b)  Nothing  herein  shall  require  the  Company to disclose
non-public  information to the Investor or its advisors or representatives,  and
the Company  represents that it does not disseminate  non-public  information to
any investors who purchase stock in the Company in a public  offering,  to money
managers or to securities  analysts,  provided,  however,  that  notwithstanding
anything  herein to the contrary,  the Company will,  as  hereinabove  provided,
immediately notify the advisors and representatives of the Investor and, if any,
underwriters,  of any event or the  existence of any  circumstance  (without any
obligation to disclose the specific event or  circumstance)  of which it becomes
aware,  constituting  non-public  information  (whether or not  requested of the
Company  specifically  or generally  during the course of due  diligence by such
persons or entities),  which, if not disclosed in the prospectus included in the
Registration  Statement  would  cause  such  prospectus  to  include a  material
misstatement  or to omit a material fact required to be stated  therein in order
to make the statements,  therein,  in light of the  circumstances  in which they
were made,  not  misleading.  Nothing  contained  in this  Section  8.2 shall be
construed to mean that such persons or entities other than the Investor (without
the written consent of the Investor prior to disclosure of such information) may
not obtain  non-public  information in the course of conducting due diligence in
accordance with the terms of this Agreement and nothing herein shall prevent any
such persons or entities from  notifying the Company of their opinion that based
on such due  diligence  by such  persons  or  entities,  that  the  Registration
Statement contains an untrue statement of material fact or omits a material fact
required to be stated in the  Registration  Statement  or  necessary to make the
statements  contained therein,  in light of the circumstances in which they were
made, not misleading.

                                   ARTICLE IX.
                           CHOICE OF LAW/JURISDICTION

         Section 9.1.  GOVERNING  LAW. This  Agreement  shall be governed by and
interpreted in accordance with the laws of the State of Missouri  without regard
to the principles of conflict of laws. The parties further agree that any action
between them shall be heard in Hudson County,  New Jersey, and expressly consent
to the  jurisdiction  and venue of the Superior Court of New Jersey,  sitting in
Hudson  County,  New Jersey and the United States  District Court of New Jersey,

                                       20
<PAGE>

sitting in Newark, New Jersey, for the adjudication of any civil action asserted
pursuant to this paragraph.

                                   ARTICLE X.
                             ASSIGNMENT; TERMINATION

         Section 10.1. ASSIGNMENT.  Neither this Agreement nor any rights of the
Company hereunder may be assigned to any other Person.

         Section  10.2.  TERMINATION.  The  obligations  of the Investor to make
Advances under Article II hereof shall terminate  twenty-four  (24) months after
the  Effective  Date or thirty six (36) months after the  Effective  Date if the
Company files either an amendment to the then effective  registration  statement
or a new registration statement has been declared effective.

                                   ARTICLE XI.
                                     NOTICES

         Section  11.1.  NOTICES.  Any  notices,  consents,  waivers,  or  other
communications  required  or  permitted  to be  given  under  the  terms of this
Agreement  must be in writing and will be deemed to have been delivered (i) upon
receipt, when delivered  personally;  (ii) upon receipt, when sent by facsimile,
provided a copy is mailed by U.S.  certified  mail,  return  receipt  requested;
(iii) three (3) days after being sent by U.S.  certified  mail,  return  receipt
requested,  or (iv)  one (1) day  after  deposit  with a  nationally  recognized
overnight  delivery  service,  in each case  properly  addressed to the party to
receive the same.  The addresses and facsimile  numbers for such  communications
shall be:

If to the Company, to:          Intercard, Inc.
                                45-B Progress Parkway
                                Maryland Heights, Missouri 63043
                                Telephone:        (314) 275-8066
                                Facsimile:        (314) 275 4998

With a copy to:                 Eugene Portman, P.C.
                                231 South Bemiston, Suite 960
                                Clayton, Missouri 63105
                                Telephone:        (314) 727-8330
                                Facsimile:        (314) 727-8335

With a copy to:                 Kirkpatrick & Lockhart, LLP
                                201 South Biscayne Boulevard - Suite 2000
                                Miami, FL  33131-2399
                                Attention: Clayton E. Parker, Esq.
                                Telephone:        (305) 539-3300
                                Facsimile:        (305) 358-7095

If to the Investor(s):          Cornell Capital Partners, LP
                                101 Hudson Street -Suite 3606
                                Jersey City, NJ 07302
                                Attention:        Mark Angelo
                                                  Portfolio Manager
                                Telephone:        (201) 985-8300
                                Facsimile:        (201) 985-8266

                                       21

<PAGE>

With a Copy to:                 Butler Gonzalez LLP
                                1000 Stuyvesant Avenue - Suite 6
                                Union, NJ 07083
                                Attention:        David Gonzalez, Esq.
                                Telephone:        (908) 810-8588
                                Facsimile:        (908) 810-0973

Each party shall provide five (5) days' prior written  notice to the other party
of any change in address or facsimile number.

                                  ARTICLE XII.
                                  MISCELLANEOUS

         Section 12.1.  COUNTERPARTS.  This  Agreement may be executed in two or
more identical  counterparts,  all of which shall be considered one and the same
agreement and shall become effective when  counterparts have been signed by each
party and  delivered  to the other  party.  In the event any  signature  page is
delivered  by  facsimile  transmission,  the party  using such means of delivery
shall  cause  four  (4)  additional  original  executed  signature  pages  to be
physically  delivered to the other party  within five (5) days of the  execution
and delivery hereof.

         Section 12.2. ENTIRE AGREEMENT;  AMENDMENTS.  This Agreement supersedes
all other prior oral or written  agreements  between the Investor,  the Company,
their  affiliates and persons acting on their behalf with respect to the matters
discussed  herein,  and this  Agreement and the  instruments  referenced  herein
contain  the entire  understanding  of the parties  with  respect to the matters
covered  herein and therein  and,  except as  specifically  set forth  herein or
therein,  neither  the  Company  nor  the  Investor  makes  any  representation,
warranty,  covenant or undertaking with respect to such matters. No provision of
this  Agreement  may be waived or amended other than by an instrument in writing
signed by the party to be charged with enforcement.

         Section  12.3.  REPORTING  ENTITY FOR THE COMMON  STOCK.  The reporting
entity relied upon for the  determination of the trading price or trading volume
of the Common Stock on any given Trading Day for the purposes of this  Agreement
shall be Bloomberg, L.P. or any successor thereto. The written mutual consent of
the  Investor  and the Company  shall be required to employ any other  reporting
entity.

                                       22
<PAGE>

         Section 12.4.  FEES AND EXPENSES.  The Company hereby agrees to pay the
following fees:

                  (a) LEGAL FEES. Each of the parties shall pay its own fees and
expenses (including the fees of any attorneys, accountants, appraisers or others
engaged by such party) in connection  with this  Agreement and the  transactions
contemplated hereby, except that the Company will pay the sum of Twenty Thousand
Dollars ($20,000), to Butler Gonzalez LLP for legal, administrative,  and escrow
fees,  which fee shall be payable in shares of the  Company's  common stock at a
price equal to the  Closing  Bid Price on the first day of trading.  The Company
shall issue the payable  hereunder  shares to Butler  Gonzalez  LLP within three
business  days of the first day of trading.  Subsequently  on each advance date,
the Company will pay Butler Gonzalez LLP, the sum of Five Hundred Dollars ($500)
for legal, administrative and escrow fees and the fees of Kirkpatrick & Lockhart
LLP directly out the proceeds of any Advances hereunder.

                  (b)      COMMITMENT FEES.

                           (i) On each Advance Date the Company shall pay to the
Investor,  directly from the gross  proceeds held in escrow,  an amount equal to
five percent (5%) of the amount of each Advance.  The Company hereby agrees that
if such  payment,  as is  described  above,  is not made by the  Company  on the
Advance  Date,  such  payment  will be made at the  direction of the Investor as
outlined and mandated by Section 2.3 of this Agreement.

                           (ii)  Promptly  after  the first  trading  day of the
Company's common stock (but in no event more than three business days after such
date),  the Company shall issue to the Investor  shares of the Company's  Common
Stock in an amount equal to Three Hundred Sixty Five Thousand Dollars ($365,000)
divided  by the  Closing  Bid Price on the first  trading  day of the  Company's
Common Stock (the "INVESTOR'S SHARES").

                           (iii) FULLY EARNED.  The  Investor's  Shares shall be
deemed fully earned as of the date hereof.

                           (iv) REGISTRATION  RIGHTS. The Investor's Shares will
have "piggy-back" registration rights.

         Section 12.5. BROKERAGE.  Each of the parties hereto represents that it
has had no  dealings  in  connection  with this  transaction  with any finder or
broker who will demand  payment of any fee or  commission  from the other party.
The  Company on the one hand,  and the  Investor,  on the other  hand,  agree to
indemnify  the  other  against  and hold  the  other  harmless  from any and all
liabilities  to any person  claiming  brokerage  commissions or finder's fees on
account  of  services   purported  to  have  been  rendered  on  behalf  of  the
indemnifying  party  in  connection  with  this  Agreement  or the  transactions
contemplated hereby.

                                       23
<PAGE>

         Section  12.6.  CONFIDENTIALITY.  If for any  reason  the  transactions
contemplated by this Agreement are not  consummated,  each of the parties hereto
shall keep  confidential  any information  obtained from any other party (except
information  publicly  available  or in such  party's  domain  prior to the date
hereof,  and except as required by court order) and shall promptly return to the
other  parties  all  schedules,  documents,  instruments,  work  papers or other
written information without retaining copies thereof, previously furnished by it
as a result of this Agreement or in connection herein.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                       24
<PAGE>

         IN WITNESS WHEREOF,  the parties hereto have caused this Equity Line of
Credit Agreement to be executed by the  undersigned,  thereunto duly authorized,
as of the date first set forth above.

                                        COMPANY:
                                        INTERCARD, INC.

                                        By:      /S/ RAY SHERROD
                                           ----------------------------------
                                        Name:    Ray Sherrod
                                        Title:   President

                                        INVESTOR:
                                        CORNELL CAPITAL PARTNERS, LP

                                        By:      Yorkville Advisors, LLC
                                        Its:     General Partner

                                        By:      /S/ MARK ANGELO
                                           ----------------------------------
                                        Name:    Mark Angelo
                                        Title:   Portfolio Manager

                                       25

<PAGE>

                                    EXHIBIT A

                      ADVANCE NOTICE/COMPLIANCE CERTIFICATE

                                INTERCARD, INC.

         The  undersigned,  ________________________________  hereby  certifies,
with  respect  to the sale of shares of Common  Stock of  Intercard,  Inc.  (the
"COMPANY"),  issuable in  connection  with this  Advance  Notice and  Compliance
Certificate dated ___________________ (the "NOTICE"),  delivered pursuant to the
Equity Line of Credit Agreement (the "AGREEMENT"), as follows:

         1. The  undersigned is the duly elected  President and Chief  Executive
Officer of the Company.

         2. There are no fundamental changes to the information set forth in the
Registration  Statement which would require the Company to file a post effective
amendment to the Registration Statement.

         3. The Company has performed in all material respects all covenants and
agreements  to be  performed  by the  Company  on or prior to the  Advance  Date
related  to the  Notice  and has  complied  in all  material  respects  with all
obligations and conditions contained in the Agreement.

         4. The Advance requested is _____________________.

         The undersigned has executed this Certificate this ____ day of _______.

                                     INTERCARD, INC.

                                     By:
                                        ---------------------------------------
                                     Name:      Ray Sherrod
                                     Title:     President

<PAGE>

                                 SCHEDULE 2.6(b)

                                INTERCARD, INC.

         The undersigned  hereby agrees that for a period commencing on the date
hereof and expiring on the termination of the Agreement  dated  ________________
between Intercard, Inc. (the "COMPANY"),  and Cornell Capital Partners, LP, (the
"INVESTOR")  (the  "LOCK-UP  PERIOD"),  he,  she or it  will  not,  directly  or
indirectly,  without the prior written  consent of the Investor,  issue,  offer,
agree or offer to sell,  sell,  grant an  option  for the  purchase  or sale of,
transfer,  pledge,  assign,  hypothecate,  distribute  or otherwise  encumber or
dispose of except (i) pursuant to Rule 144 of the General Rules and  Regulations
under the Securities Act of 1933, (ii) for the sale of all or substantially  all
of the  Company  or its  outstanding  securities  or (iii) for  estate  planning
purposes,  any  securities  of the Company,  including  common stock or options,
rights, warrants or other securities underlying,  convertible into, exchangeable
or  exercisable  for or  evidencing  any right to purchase or subscribe  for any
common stock  (whether or not  beneficially  owned by the  undersigned),  or any
beneficial interest therein (collectively, the "SECURITIES").

         In  order  to  enable  the  aforesaid  covenants  to be  enforced,  the
undersigned  hereby  consents  to the  placing of legends  and/or  stop-transfer
orders with the transfer agent of the Company's  securities  with respect to any
of the  Securities  registered in the name of the  undersigned  or  beneficially
owned by the undersigned,  and the undersigned hereby confirms the undersigned's
investment in the Company.

Dated: _______________, 2003

                                    Signature

                                    Address:
                                            -----------------------------------
                                    City, State, Zip Code:
                                                          ---------------------

                                    -------------------------------------------
                                    Print Social Security Number
                                    or Taxpayer I.D. Number

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