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                                                                    Exhibit 10.5

                              PUC DOCKET NO. 21665
                          SOAH DOCKET NO. 473-99-2747

APPLICATION OF RELIANT ENERGY,(S)       PUBLIC UTILITY COMMISSION
INCORPORATED FOR FINANCING    (S)
ORDER TO SECURITIZE           (S)
REGULATORY ASSETS AND OTHER   (S)                OF TEXAS
QUALIFIED COSTS               (S)

                                     ORDER

        On September 19, 2001, the Public Utility Commission of Texas convened a
properly noticed open meeting for the purpose of considering Reliant Energy,
Incorporated's emergency request for extension of time which was filed on
September 13, 2001. Therein, Reliant requested that the Commission grant an
extension of the deadline for issuing transition bonds contained in the
Financing Order due to the extraordinary disruption of the financial markets
resulting from the September 11 terrorist attack on the World Trade Center in
New York. After considering the arguments set forth by Reliant and the terms of
the Financing Order, the Commission finds that it is not necessary to grant the
extension requested by Reliant.

        Ordering Paragraph No. 39 of the Financing Order gives Reliant the
continuing irrevocable right to cause the issuance of transition bonds for a
period of 15 months following the date on which the Financing Order becomes
final and no longer appealable. The Commission finds that the Financing Order
was premised on the proper functioning of the bond markets and Reliant's
reasonable access to those markets for the specified period of time. In light of
the recent events and the resultant severe disruption of financial markets, the
Commission finds that Reliant has not had reasonable access to fully functional
capital markets for the 15 months granted in the Financing Order.

        The Commission has taken official notice of the attack on, and
subsequent destruction of, buildings in the World Trade Center in New York, the
related disruption of financial markets, and the actions of other governmental
entities which were taken in

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                                  ORDER                                   Page 2

an attempt to accommodate and facilitate the orderly continuation of business.
Additionally, the Commission has consulted with its financial advisor about the
impact of these events on Reliant's ability to access financial markets and
issue bonds. In addition to the 5 day delay caused by the immediate disruption
of the financial markets, it is apparent that Reliant must now repeat many of
the steps related to bond issuance which had already been completed, or were
substantially complete, when the markets were disrupted. These steps include
consulting with rating agencies to determine whether preliminary ratings of the
proposed bonds will be allowed to stand, engaging in marketing and pricing
activities, and submission of an issuance advice letter for Commission review.
Further, settlement activities relating to the issuance may take longer than
normal

        But for the recent events in New York, the 15-month time period for
issuing bonds specified in the Financing Order would have expired on September
17, 2001. As a result of those events, however, it is the Commission's judgment
that the 15-month period will not expire for an addition 30 business days, on
October 31, 2001.

        The Commission finds that it is proper to issue this order in an
expedited manner pursuant to P.U.C. Proc.R. 22.78(c). Further, for the reasons
discussed above, Reliant's request for extension of time is dismissed without
prejudice.

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                                  ORDER                                   Page 3

          SIGNED AT AUSTIN, TEXAS on the 18/th/ day of September 2001.

                                PUBLIC UTILITY COMMISSION OF TEXAS

                                   Max Yzaguirre
                              --------------------------------------
                              MAX YZAGUIRRE, CHAIRMAN

                                   Brett A. Perlman
                              --------------------------------------
                              BRETT A. PERLMAN, COMMISSIONER

                                   Rebecca Klein
                              --------------------------------------
                              REBECCA KLEIN, COMMISSIONERCOOPERATIVE VENTURE AGREEMENT

     This Agreement (the "Agreement") is entered into this 15th day of June,
2001 by and between Johnny Bench ("JB") an individual and Interactive
Marketing Technology, Inc., a Nevada corporation having an office at 3575
Cahuenga Boulevard West, Suite 390, Hollywood, California 90068 ("IMT").

RECITALS:

     WHEREAS, JB and IMT wish to enter into a cooperative relationship to
produce a television spot for the marketing of the discount savings program
known as the "Prime Healthcare Benefits Plan" ("PHBP"); and

     WHEREAS, JB will provide funding in the amount of $60,000.00 which is to
be used solely for the producing of the television spot, for the purchase of
media and to set up telemarketing as provided herein:

     NOW, THEREFORE, the parties, intending to be legally bound hereby, agree
as follows:

1.  Definitions.

    As used in this Agreement, the following terms shall have the following
meanings:

      (A) Affiliate of any person or entity means another person or entity, of
which the first person or entity owns, directly or through one or more
Affiliates, capital stock or other ownership interests representing, on a
fully-diluted basis, a majority of the total equity interests and a majority
of the total equity voting power.

      (B) Clients means the clients who have purchased the PHBP marketed and
sold by or on behalf of IMT.

      (C) Costs means the total dollar value of the service and marketing of
the PHBP as calculated on a monthly basis in accordance with the following
formula: cost of services provided plus credit card charges plus fulfillment
fees plus telemarketing expenses plus media costs equals Costs.  Costs of

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services provided and fulfillment fees are payments to DDS of Chicago and is
owned by Memberwork.com, Inc

      (D) Improvements means any and all improvements, refinements,
enhancements, upgrades, revisions and other modifications of the PHBP.

      (E) Initial Net Revenues means total dollar value of the revenues
generated from the sale of the PHBP by IMT as calculated on a monthly basis in
accordance with the following formula: Net Sales minus Costs equals Initial
Revenues.  Initial Net Revenues will be the revenues referred to with respect
to the allocation  of JB's and IMT's portion of the revenues generated from
the sale of the PHBP until JB is paid his investment of $60,000.00.

      (F) IMT means Interactive Marketing Technology, Inc., a Nevada
corporation.

      (G) JB means Johnny Bench, an individual.

      (H) Net Sales means the total dollar value of the money collected with
respect to the sale of the PHBP by IMT as calculated on a monthly basis in
accordance with the following formula:  dollar amount on monies collected by
IMT from the sales of the PHBP minus Returns or Credits equals Net Sales

      (I) Prime Healthcare Benefits Plan means a plan whereby members receive
discounts in the areas of prescriptions, vision dental, hearing, chiropractic
and physician services.

      (J) Revenues means the Initial Net Revenues and Subsequent Net Revenues
collectively.

      (K) Subsequent Net Revenues means total dollar value of the revenues
generated from the sale of the PHBP by IMT as calculated on a monthly basis in
accordance with the following formula: Net Sales minus Costs equals Subsequent
Net Revenues.  Subsequent Net Revenues will be the revenues referred to with
respect to the allocation on JB's and IMT's portion of the revenues generated
from the sale of the PHBP after JB is paid his investment of $60,000.00.

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2.  Revenues

IMT will allocate the Initial Net Revenues generated by and among JB and IMT
with respect to sales of the PHBP in accordance with the following schedule:

         JB                  IMT                 Total Dollars Received By JB
----------------------  ----------------------   -----------------------------
50% of the Initial Net  50% of the Initial Net   Until JB has received an
Revenues Generated      Revenues Generated       aggregate dollar amount of
                                                 $ 60,000
----------------------  ----------------------   -----------------------------

10% of the Subsequent   90% of the Subsequent    Until such time as IMT no
Net Revenues Generated  Net Revenues Generated   longer markets the PHBP
----------------------  ----------------------   -----------------------------

In the event that IMT sells the PHBP to another company, JB will receive the
unpaid balance of his investment of $60,000.00 plus Ten Percent (10%) of the
net proceeds of this sale.

3.  Review

All documentation and other material related to the marketing and sale of the
PHBP shall be furnished by IMT to JB before it is used in any way. JB shall
have the right to disapprove any such material. If JB fails to disapprove by
written notice to IMT within five (5) business days of receipt by him, it
shall be deemed to be approved. In no event shall JB's name or likeness be
used in any way in connection with PHBP.

4.  Representations and Warranties of IMT

IMT represents and warrants to JB that as of the date of this Agreement:

      (A) Organization, Standing and Power.  IMT is a Nevada Corporation duly
organized, validly existing and in good standing under the laws of the State
of Nevada, has all requisite power and authority to own its properties and
assets and to carry on its business as currently being conducted.

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      (B) Agreement Authorized Binding and Enforceable.  The execution,
delivery and performance of this Agreement have been duly authorized by all
required action on the part of IMT.  This Agreement is a valid, legal and
binding obligation of IMT, enforceable against IMT in accordance with its
terms, except as enforceability may be limited by bankruptcy, insolvency,
reorganization, moratorium or similar laws affecting creditors' rights and by
equitable principles of general application which may limit the availability
of certain equitable remedies (such as specific performance).

      (C) Consents.  No consent, approval, license, permit, order or
authorization by or declaration of filing with any court, administrative
agency or commission or other governmental authority or instrumentality,
domestic or foreign, or any third party, is required to be obtained or made by
or with respect to IMT in connection with the execution and delivery of this
Agreement.

5.  Indemnity.

IMT shall indemnify, defend and hold harmless JB from and against all
liabilities or losses, including, without limitation, reasonable attorneys'
fees, arising out of any claims, lawsuits or judgments, whether threatened or
actual, fixed or contingent, known or unknown, natural or unnatural, arising
out of this Agreement or the transactions provided herein. JB shall promptly
inform IMT in writing of any such claim, demand or suit and shall fully
cooperate in the defense thereof. Each party shall agree to the use of
Arbitration if requested by either party to resolve a dispute.

6.  Termination of Covenants, Representations and Warranties.

All covenants, representations and warranties contained herein or made in
connection with the transactions contemplated hereby shall remain in effect
for the duration of this Agreement.

7.  Notices.

All notices, requests, consents and other communications herein shall be in
writing and shall be mailed by first class or certified mail, postage prepaid,
or personally delivered or sent by overnight courier service which obtains
evidence of delivery to the Party as follows:

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      If to JB:         Johnny Bench
                        324 Bishopsbridge
                        Cincinnati, OH 45255

     With a copy to:
                        255 E. Fifth Street
                        Suite, 2400
                        Cincinnati, Ohio 45202
                        Attn: Reuven J. Katz, Esq.

     If to IMT:         Interactive Marketing Technology, Inc.
                        3575 Cahuenga Boulevard West, Suite 390
                        Hollywood, CA 90068
                        Attention: Sandy Lang

or to such other address that the respective Parties may designate by means of
written notice in compliance with the terms hereof.

8.  California Law

This Agreement and all matters or issues collateral thereto shall be governed
by and construed and enforced in accordance with the laws of the State of
California, applicable to contracts made and performed entirely therein. Any
action or proceeding arising out of this Agreement, whether judicial or
arbital, shall be brought in a court of competent jurisdiction located in
Hamilton County, Ohio, and the parties hereto hereby consent to proper
jurisdiction and venue applying in such courts.

9.  Integration.

This Agreement, in the forms executed by the parties thereto constitutes the
entire agreement among the parties with respect to the subject matter hereof
and supercedes all promises, representations and understandings made prior
hereto or contemporaneously with respect to the subject matter hereof.

10. No Waiver

No waiver by any of the parties, whether express or implied, of any provision
of the agreement or of any breach or default by any of the parties, shall
constitute a continuing waiver of any provision of this Agreement, and no such
waiver by any of the parties shall prevent such

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party from enforcing any and all provisions of this Agreement or from acting
upon the same or any subsequent breach or default of one of the other parties.
No waiver of any provision hereunder shall be effective unless it is in
writing signed by the party against whom enforcement thereof is sought.  Each
party acknowledges that it has participated fully in the drafting of this
Agreement and that in the event of any ambiguity in any of the terms or
provisions hereof, no such ambiguity shall be construed against either party
as the draftsperson thereof.

11.  Separability.

The provisions set forth in this Agreement shall be considered to be separable
and independent of each other.  In the event that any provision of this
Agreement shall be determined in any jurisdiction to be unenforceable, such
determination shall not be deemed to affect the enforceability of any other
remaining provision and the parties agree that any court making such a
determination is hereby requested and empowered to modify such provision and
to substitute for such enforceable provision such limitation or provision or a
maximum scope as court then deems reasonable and judicially enforceable and
the parties agree that such substitute provision shall be as enforceable in
said jurisdiction as if set forth initially in this agreement.  Any such
substitute provision shall be applicable only in the jurisdiction in which the
original provision was determined to be unenforceable.

12.  Assignment.

All of the terms of this Agreement shall be binding upon and inure to the
benefit of and be enforceable by the respective successor and assigns of the
parties hereto.  IMT may not assign this Agreement in whole or in part without
the written consent of JB provided, however, that without such consent this
Agreement may be assigned by IMT to a wholly owned subsidiary, provided that
IMT shall remain primarily liable for the performances of its obligations
hereunder in the event of such an assignment.

13.  Signing This Agreement.

This contract can be signed in counterparts: both parties need not be present
at the same time to make it a binding legal contract.

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14. Entire Agreement.

This Agreement contains the entire understanding between JB and IMT and
supercedes any prior agreements, written or oral, respective of the subject
matter of this Agreement.

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

                        INTERACTIVE MARKETING TECHNOLOGY, INC.

                        By: /s/ Marty Goldrod
                        Title: President

                        By: /s/ Johnny Bench
                            Johnny Bench

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