Document:

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                                                                   Exhibit 10.13

                         COMPLIANCE CONSULTING AGREEMENT

This Compliance Consulting Agreement (this "Agreement") is made as of August 1,
2005, by and between Alternative Construction Company, Inc., (the
"Corporation"), a Florida Corporation, and Avante Holding Group, Inc., a Florida
Corporation (the "Consultant").

                                    RECITALS

         A.   The Corporation is duly organized and validly existing as a
              corporation in good standing under the laws of the State of
              Florida. The Corporation is a manufacturer of structural insulated
              panels ("SIP"s) with domestic and international customers. The
              Corporation may also engage in other related and affiliated
              businesses.

         B.   The Consultant has specialized corporate expertise with a
              specialty in the area of compliance in regards to regulatory and
              other material aspects that would be considered compliance.
              Consultant has devoted considerable time and effort, which has
              been invaluable to the creation and initial operations of the
              Corporation and continues to support the Corporation through
              addition required phases of the business. The Corporation finds
              the corporate compliance experience and knowledge of the
              Consultant to be essential to the success of the Corporation.

          C.  The Corporation desires to engage the Consultant, and the
              Consultant desires to be so engaged, on the terms and conditions
              set forth below.

                                    AGREEMENT

         Now therefore, in consideration of the Recitals, which shall be deemed
to be a substantive part of this Agreement, and the mutual covenants, promises,
agreements, representations, hereinafter set forth, the parties hereto do hereby
covenant, promise, agree, represent and warrant as follows:

         1. Compliance Consulting.

          1.1. The Corporation hereby contracts the Consultant to fulfill the
               duties of Compliance and to render services for and on behalf of
               the Corporation in that position, and the Consultant shall not be
               able to bind the Corporation without a Corporate Resolution
               executed by the Corporation, and the Consultant shall render such
               other and further services for and on behalf of the Corporation
               as may be assigned reasonably, from time-to-time, to the
               Consultant by the Board of Directors of the Corporation (the
               "Services"). The Consultant hereby accepts such consulting with
               the Corporation and agrees to render the Services for and on
               behalf of the Corporation on the terms and conditions set forth
               in this Agreement. During the term of this Agreement, the
               Consultant will report directly to the Board of Directors of the
               Corporation. The power to direct, control and supervise the
               services to be performed, the means and manner of performing the
               Services and the time for performing the Services shall be
               exercised by the Board of Directors, provided, however, that the
               Board of Directors shall not impose any consulting constraints or
               duties which would require the Consultant to violate any law,
               statutes, ordinance, rule or regulation now or hereinafter in
               effect.

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Consultant                                                          Corporation

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          1.2. The starting base salary for the Compliance Consultant shall be
               Twenty Two Thousand Five Hundred Dollars ($22,500.00) per month
               payable in equal monthly installments. Avante will bill the
               Company at the end of each month for services rendered. The
               Consultant's base salary may be increased each year effective
               January 1st by the Compensation Committee of the Corporation's
               Board of Directors, as shall be determined by the Compensation
               Committee, however, the compensation may not be reduced below the
               compensation paid in the previous year without the mutual written
               consent of the Consultant, unless there are not funds in the
               Corporation available to pay such amounts. It is understood that
               all payments to Consultant, the Consultant will be responsible
               for all federal, state and local withholding taxes. It is
               understood that Consultant may elect to convert payment into
               Common Stock at a 10% discount to the then current market price.
               Such election must be approved by the Board of Directors of the
               Corporation. Any stock conversion will have piggy back
               registration rights.

          1.3. The Consultant shall be reimbursed by the Corporation for all
               reasonable business, promotional, travel and entertainment
               expenses incurred or paid by the Consultant in the course of
               carrying out the normal duties and responsibilities of the
               Consultant's position. Reimbursement is contingent upon the
               Consultant furnishing to the Corporation in a timely fashion the
               appropriate documentation required by the Internal Revenue Code
               in connection with such expenses and shall furnish such other
               documentation and accounting as the Corporation may reasonably
               request.

          1.4. The Services will be performed primarily at the Consultant's
               headquarters office which has been established by the Consultant
               in Brevard County, Florida.

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Consultant                                                          Corporation

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     2.   Term.

          2.1. Subject to the provisions for termination of this Agreement set
               forth below, the term of consulting shall continue for a period
               of five years and thereafter shall automatically renew for two
               additional five-year terms.

          2.2. Consultant may elect to terminate this Agreement for Good Reason
               upon 30 days' written notice to the Corporation. "Good Reason"
               means any of the following: (a) the Corporation reduces the
               Consultant's position, duties, compensation or authority, (b) the
               Corporation merges, consolidates with another entity or sells
               more than 50% of any class of its stock to a non-shareholder
               without the consent of the Consultant, or (c) the Corporation
               commits a material breach of this Agreement which is not cured by
               the Corporation within 30 days after receiving written notice
               thereof from the Consultant.

          2.3. If (i) the Corporation terminates the Consultant during the term
               of this Agreement, and the termination is determined to not have
               been for "cause"; or, (ii) the Consultant terminates this
               Agreement during the term of the Agreement, and the termination
               is for Good Reason, then the Corporation will pay the
               Consultant's salary, benefits and bonuses provided for in
               Paragraph 1 for the remainder of the current year. If the
               Corporation should dispute whether or not the termination is
               "with cause" or for Good Reason, whatever the case may be, then
               the Corporation shall pay as a condition to bringing such action
               into the registry of the court all amounts that will be due the
               Consultant as Consultant's salary provided for in Paragraph 1 if
               the Corporation does not prevail in any of its allegations in
               such dispute, as security for the payment in full if the
               Consultant should prevail in whole or in part.

          2.4. For purposes of this Agreement termination "with cause" shall
               mean termination for any of the following reasons:

             2.4.1. The Consultant abuses alcohol or other substances while
                    performing his Services for the Corporation which abuse
                    negatively affects the performance of this duties, such
                    abuse is habitual, and the Consultant fails to seek
                    competent abuse counseling within 30 days of written notice
                    by the Board of Directors;

             2.4.2. The Consultant is convicted of any felony for any crime
                    involving the moral turpitude arising out of his Services
                    for the Corporation or any other activity;

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Consultant                                                          Corporation

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         Performance of Services.

          3.1  The Consultant shall devote sufficient time to the Corporation's
               business to render the Services. The Consultant shall comply with
               all laws, statutes, ordinances, rules and regulations relating to
               the Services. The Consultant may engage in other activities
               during the term of this Agreement; provided that such activities
               do not materially interfere with the business of the Corporation.
               Consultant is an entrepreneur, investment banker and venture
               capitalist, and as such will devote substantial time to other
               interests. The Consultant may engage in other activities during
               the term of this Agreement.

     4.   Confidential Information, Trade Secrets, Inventions and Creations.

          4.1  The Consultant acknowledges that in the Consultant's consulting
               hereunder, the Consultant will be making use of, acquiring and
               adding to the Corporation's trade secrets and its confidential
               and proprietary information of a special and unique nature and
               value relating to such matters as, but not limited to, the
               Corporation's business operation, internal structure, financial
               affairs, programs, software, systems, procedures, manuals,
               confidential reports, lists of clients and prospective clients
               and sales and marketing methods, as well as the amount, nature
               and type of services, equipment and methods used and preferred by
               the Corporation's clients and the fees paid by such clients, all
               of which shall be deemed to be confidential information. The
               Consultant acknowledges that such confidential information has
               been and will continue to be of central importance to the
               business of the Corporation and that disclosure of it to or its
               use by others could cause substantial loss to the Corporation. In
               consideration of consulting by the Corporation, the Consultant
               agrees that during his consulting the Consultant shall not, for
               any purpose whatsoever, directly or indirectly, divulge or
               disclose to any person or entity any of such confidential
               information which was obtained by the Consultant as a result of
               the Consultant's consulting with the Corporation or any trade
               secrets of the Corporation, but shall hold all of the same
               confidential and inviolate.

     5.   Indemnification.

          5.1  The Corporation shall indemnify the Consultant, hold the
               Consultant harmless, and defend the Consultant to the fullest
               extent permitted by applicable law from and against all claims,
               threats, suits (except those arising from disputes between the
               Corporation and the Consultant), damages, penalties, liabilities,
               cost and expenses including, without limitation, legal fees,
               costs and disbursements (all collectively referred to as
               "liabilities") incurred, suffered, or expended by or threatened
               against the Consultant with respect to any action or inaction in
               the course or performance of the Consultant's duties under this
               Agreement except for liabilities arising entirely out of the
               gross negligence or willful misconduct of the Consultant. If any
               claims are made against Consultant he shall be entitled to an
               advance of his legal fees upon request to the Board of Directors.
               This indemnification shall continue in effect after the
               expiration or termination of this Agreement and shall not be
               deemed exclusive of any other indemnification right to which the
               Consultant may be entitled under applicable law, agreement or the
               vote of the Board of Directors.

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Consultant                                                          Corporation

                                       4
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     6.   Notices. All notices and other communications required or permitted to
          be given by this Agreement shall be in writing and shall be given and
          shall be deemed received if and when either hand-delivered or refused,
          or deemed received three-days after being mailed by registered or
          certified U.S. mail, return receipt requested, postage prepaid, and if
          to the

          Corporation to:                            And if to the Consultant:

                  Alternative Construction Company   Avante Holding Group, Inc
                  1900 S. Harbor City Blvd.          1900 S. Harbor City Blvd
                  Suite 317                          Suite 315
                  Melbourne, FL 32901                Melbourne, FL 32901

          or at such other address as either party hereto shall notify the other
          of in writing.

     7.   Governing Law, Jurisdiction and Venue. The laws of the State of
          Florida shall govern this Agreement without regard to any of its
          conflict of law provision.

     8.   Attorneys' Fees. In any action to enforce this Agreement or for
          damages relating to a breach of this Agreement, the Corporation shall
          pay attorneys' fees, costs and expenses incurred in such action
          including those of Consultant.

     9.   Noncompete. During the term of this Agreement and for a period of two
          years thereafter, Consultant agrees that he will not be employed by or
          otherwise engaged in any business which competes with that of the
          Corporation. In addition Consultant shall not, during such two year
          period, contact any of the Corporation's customers or consultants
          concerning any business or potential business which would compete with
          that of the Corporation. The provisions of this Section 9 shall not
          apply if it is determined that this Agreement was terminated by the
          Consultant for Good Reason.

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Consultant                                                          Corporation

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     10.  Miscellaneous.

          10.1 This Agreement shall be binding upon and inure to the benefit of
               the Corporation, its successors and assigns. This Agreement shall
               be binding upon the Consultant and his heirs, personal and legal
               representatives, and guardians, and shall inure to the benefit of
               the Consultant. Neither this Agreement nor any part hereof or
               interest herein shall be assigned by the Consultant. If there is
               a sale of the Corporation or change in control thereof, as a
               condition precedent to any such sale or change in control, the
               acquiring corporation or controlling person must assume
               responsibility for this agreement and all payments due hereunder,
               in writing, as a condition to any such transaction. If such
               person or entity does not assume liability for this agreement,
               then such inaction shall constitute a breach hereunder and
               Consultant shall be entitled to the payment provided for in
               Section 2.3 hereof as liquidated damages.

          10.2 The terms and provisions of this Agreement may not be modified
               except by written instrument duly executed by each party hereto.

          10.3 The use of any gender herein shall be deemed to be or include the
               other genders and the neuter and the use of the singular herein
               shall be deemed to be and include the plural (and vice versa),
               wherever appropriate.

          10.4 This Agreement sets forth the entire, integrated understanding
               and Agreement of the parties hereto with respect to the subject
               matter hereof.

          10.5 The headings in this Agreement are included for the convenience
               of reference and shall be given no effect in the construction of
               this Agreement.

IN WITNESS WHEREOF, the parties have executed, acknowledged, sealed and
delivered this Agreement the day and year first hereinabove set forth.

ALTERNATIVE CONSTRUCTION COMPANY, INC       AVANTE HOLDING GROUP, INC.

By: /s/                                     /s/
    ------------------------------          --------------------------------

Dated August 1, 2005                        Dated August 1, 2005

____________________________                ____________________________
Consultant                                  Corporation

                                       6<PAGE>

                                                                   Exhibit 10.14

                SALE OF ACCOUNTS FACTORING AND SECURITY AGREEMENT

        This factoring agreement ("Agreement" as defined below) is made and
shall be deemed effective this 4th day of April, 2005 (the "Effective Date")
made by and between Alternative Construction Company, Inc. ("Seller") whose form
of business is a Florida Corporation, whose office for the conduct of business
is located at 1900 South Harbor City Blvd., Suite 315, Melbourne, FL 32901 and
The Hamilton Group (Delaware), Inc. ("Factor"), a Delaware corporation with
offices at P.O. Box 352, North Syracuse, New York 13212, which entities are
hereafter occasionally referred to as the Parties.

        Section 1.1     Definitions. For the purposes of this Agreement:

        "ACCOUNT(S)" means a right to payment of a monetary obligation, whether
or not earned by performance, (i) for property that has been or is to be sold,
leased, licensed, assigned, or otherwise disposed of, (ii) for services rendered
or to be rendered, (iii) for a policy of insurance issued or to be issued, (iv)
for a secondary obligation incurred or to be incurred, (v) arising out of the
use of a credit or charge card or information contained on or for use with the
care, or (vi) as winnings in a lottery or other game of chance operated or
sponsored by a state, governmental unit of a state, or person licensed or
authorized to operate the game by a state or governmental unit of a state,
including all of Seller's rights to returned goods and rights of stoppage in
transit, replevin and reclamation as an unpaid vendor.

        "ACCOUNT DEBTOR" OR "CUSTOMER" means any Person who is obligated on an
invoice or other Receivable.

        "ADVANCE" means amounts advanced by Factor to the Seller under this
Agreement.

        "AGREEMENT" means this Agreement, including the Exhibits and any
Schedules hereto, and all amendments, modifications and supplements hereto and
thereto and restatements hereof and thereof.

        "APPLICATION" means each application made by Seller in connection with
this Agreement.

        "AVOIDANCE CLAIM" means any claim that any payment received by Factor
from or for the account of an Account Debtor is avoidable under the Bankruptcy
Code or any other debtor relief statute.

        "COLLATERAL" means and includes all of the Sellers' right, title and
interest in and to each of the following goods and personal property, wherever
located, and whether now owned or hereafter acquired including: (a) Accounts
(whether or not purchased),(b) Chattel Paper, (c) Instruments, including
promissory notes, (d) Documents, (e) Deposit Accounts, (f) General Intangibles
including payment intangibles, (g) Supporting Obligations, (h) Letter of Credit
rights, (i) Electronic Chattel Paper, (j) all files, correspondence, computer
programs, tapes, disks and related data processing software which contain
information identifying or pertaining to any of the Accounts. Collateral or any
Account Debtor or showing the amounts thereof or payments thereon or otherwise
necessary or helpful in the realization thereon or the collection thereof, (k)
all cash deposited with the Factor or any parent, affiliate or subsidiary
thereof or which the Factor is entitled to retain or otherwise possess as
collateral pursuant to the provisions of this Agreement or any Security
Agreement, and (l) any and all cash and non-cash proceeds of the foregoing
(including, but not limited to, any claims to any items referred to in this
definition and any claims against third parties for loss of, damage to or
destruction of any or all of the Collateral or for proceeds payable under or
unearned premiums with respect to policies of insurance) in whatever form.

        "CREDIT APPROVAL(S) AND CREDIT APPROVED" means, with regard to a
Purchase Account, that Factor has accepted the risk of nonpayment as specified
under the terms and conditions of this Agreement and with regard to the specific
Purchased Accounts for which written credit approval has been given. If a
customer, after receiving and accepting the delivery of goods or services
(subject to all warranties herein) for which Factor has given written Credit
Approval, fails to pay a Purchased Account when due, and such

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nonpayment is due solely to financial inability to pay. Factor shall bear the
loss associated with the percentage of advance made in accordance with paragraph
3(d), subject to the terms and provisions stated herein, If nonpayment is due to
any reason besides financial inability to pay, however, Factor shall not be
responsible. Specifically, Factor shall not be responsible for any nonpayment of
a Credit Approved Purchased Account: (a) because of the assertion of any claim
or dispute by a customer for any reason whatsoever, including, without
limitation, dispute as to price, terms of sales, delivery, quantity, quality, or
other, or the exercise of any counterclaim or offset (whether or not such claim,
counterclaim or offset relates to the specific Purchased Account); (b) where
nonpayment is a consequence of enemy attack, civil commotion, strikes, lockouts,
the act or restraint of public authorities, acts of God or Force majeure; or (c)
if any representation or warranty made by Seller to Factor in respect of such
Purchased Account has been breached whether intentionally or unintentionally.
The assertion of a dispute by a customer shall have the effect of negating any
Credit Approval on the affected Purchased Account(s) and such Purchased
Account(s) shall be at Full Recourse until paid or otherwise cleared from
Factor's books.

        "DATE OF COLLECTION" means the date a check, draft or other item
representing payment on an invoice is received by Factor.

        "DEFAULT" AND "EVENT OF DEFAULT" means any of the events specified in
Paragraph 12 of this Agreement.

        "DEPOSIT ACCOUNTS" means any demand, time, savings, passbook or like
account maintained with a bank, savings and loan association, credit union or
like organization, other than an account evidenced by a certificate of deposit
that is an instrument under the UCC.

        "DISPUTE OR DISPUTED ACCOUNT" means any claim, whether or not provable,
bona fide, or with or without support made by an Account Debtor as a basis for
refusing to pay a Purchased Account, either in whole or in part, including, but
not limited to, any contract dispute, charge back, credit, right to return
goods, or other matter which diminishes or may diminish the dollar amount or
timely collection of such Account.

        "FINANCIAL INABILITY TO PAY" means an Account Debtor's insolvency such
that the value of its assets are exceeded by its fixed, liquidated and
non-contingent liabilities.

        "FINANCING STATEMENT" means each Uniform Commercial Code financing
statement executed and delivered by the Seller to the Factor, naming the Factor
as secured party and the Seller as debtor, in connection with this Agreement.

        "FULL RECOURSE" means those Purchased Accounts where Factor has not
issued Credit Approval and has not accepted or assumed the credit risk of a
Purchase Account.

        "GAAP" means generally accepted accounting principles consistently
applied and maintained throughout the period indicated and consistent with the
prior financial practice of the Person referred to.

        "GENERAL INTANGIBLES" means all of Seller's then owned or existing and
future acquired or arising general intangibles, choses-in-action and causes of
action and all other intangible personal property of Seller of every kind and
nature (other than Receivables), including, without limitation. Intellectual
Property, corporate or other business records, inventions, designs, blueprints,
plans, specifications, trade secrets, goodwill, computer software, customer
lists, registrations, licenses, franchises, tax refund claims, reversions or any
rights thereto and any other amounts payable to Seller from any Benefit Plan,
Multi Employer Plan or other employee benefit plan, rights and claims against
carriers and shippers, rights to indemnification, business interruption
insurance and proceeds thereof, property, casualty or any similar type of
insurance and any proceeds thereof, proceeds of insurance covering the lives of
key employees on which Seller is beneficiary and any letter of credit,
guarantee, claims, security interest or other security held by or granted to
Seller to secure payment by an Account Debtor of any of the Receivables.

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        "LIEN" means, as applied to the property of any Person, the filing of,
or any agreement to give, any financing statement under the UCC or its
equivalent in any jurisdiction.

        "MISDIRECTED PAYMENT FEE" means ten percent (10%) of the amount of any
payment on account of a Purchased Account which has been received by Seller and
not delivered in kind to Factor within two business days following the date of
receipt by Seller or the sum of $1,000.00, whichever is greater, to compensate
Factor for the additional administrative expenses that are likely to be incurred
as a result of a breach.

        "NET INVOICE AMOUNT" means the invoice amount of the Purchased Account,
less returns (whenever made), all selling discounts (at Factor's option,
calculated on shortest terms), and credit or deductions of any kind allowed or
granted to or taken by the customer at any time.

        "NEW FACTORING PROPOSAL" means any written commitment Seller may receive
during the Term of this Agreement from a third party to provide financing or
factoring to Seller, which commitment Seller intends to accept.

        "OBLIGATIONS" means all present and future obligations owing by Seller
to Factor whether or not for the payment of money, whether or not evidenced by
any note or other instrument, whether direct or indirect, absolute or
contingent, due or to become due, joint or several, primary or secondary,
liquidated or unliquidated, secured or unsecured, original or renewed or
extended, whether arising before, during or after the commencement of any
Bankruptcy Case in which Seller is a Debtor, including but not limited to any
obligations arising pursuant to letters of credit or acceptance transactions or
any other financial accommodations.

        "PERSON" means an individual, corporation, partnership, association,
trust or unincorporated organization or a government or any agency or political
subdivision thereof.

        "PURCHASED ACCOUNT(S)" means an Account which is deemed acceptable for
purchase as determined by Factor in the exercise of its reasonable sole credit
or business judgment and for which Factor has made payment of the sum specified
in paragraph 2(a) below constituting Factor's acceptance of an Account.

        "PURCHASE PRICE" means the price that Factor pays Seller for each
Purchased Account which price shall equal the Net Invoice Amount less Factor's
factoring commission.

        "RESERVE" means a bookkeeping entry on the books of the Factor
representing an unpaid portion of the Purchase Price, maintained by Factor to
ensure Seller's performance with the provisions hereof.

        "REQUIRED RESERVE AMOUNT" means the Reserve Percentage multiplied by the
unpaid balance of all Purchased Accounts.

        "RESERVE PERCENTAGE" means twenty percent (20%) of the face amount of
the Purchased Accounts and as such percent may change in accordance herewith.

        "RESERVE SHORTFALL" means the amount by which the Reserve is less than
the Required Reserve Amount.

        "SECURITY INTEREST" means the Liens of Factor on and in the Collateral
affected hereby or pursuant to the terms hereof or thereof.

        "SCHEDULE OF ACCOUNTS" - a form supplied by Factor from time to time
wherein Seller lists those Accounts it requests Factor purchase under the terms
of this Agreement.

        "UCC" means the Uniform Commercial Code as in effect from time to time
in the State of New York.

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        Section 1.2     Other Referential Provisions.

        (a)     All terms in this Agreement, the Exhibits and Schedules hereto
shall have the same defined meanings when used in any other Loan Documents,
unless the context shall require otherwise.

        (b)     Except as otherwise expressly provided herein, all accounting
terms not specifically defined or specified herein shall have the meanings
generally attributed to such terms under GAAP including, without limitation,
applicable statements and interpretations issued by the Financial Accounting
Standards Board and bulletins, opinions, interpretations and statements issued
by the American Institute of Certified Public Accountants or its committees.

        (c)     All personal pronouns used in this Agreement, whether used in
the masculine, feminine or neuter gender, shall include all other genders; the
singular shall include the plural, and the plural shall include the singular.

        (d)     The words "hereof, "herein" and "hereunder" and words of similar
import when used in this Agreement shall refer to this Agreement as a whole and
not to any particular provisions of this Agreement.

        (e)     Titles of Articles and Sections in this Agreement are for
convenience only, do not constitute part of this Agreement and neither limit nor
amplify the provisions of this Agreement, and all references in this Agreement
to Articles, Sections, Subsections, paragraphs, clauses, sub clauses, Schedules
or Exhibits shall refer to the corresponding Article, Section, Subsection,
paragraph, clause or sub clause of, or Schedule or Exhibit attached to, this
Agreement, unless specific reference is made to the articles, sections or other
subdivisions or divisions of, or to schedules or exhibits to, another document
or instrument.

        (f)     Each definition of a document in this Agreement shall include
such document as amended, modified, supplemented or restated from time to time
in accordance with the terms of this Agreement.

        (g)     Except where specifically restricted, reference to a party to
this Agreement includes that party and its successors and assigns.

        (h)     The terms accounts, chattel paper, documents, instruments,
general intangibles and inventory, as and when used (without being capitalized)
in this Agreement shall have the meanings given those terms in the UCC.

        Section 1.3     Exhibits and Schedules. All Exhibits and Schedules
attached hereto are by reference made a part hereof.

        Section 2.      PURCHASE & SALE OF ACCOUNTS.

        Seller hereby offers to sell, assign, transfer, convey and deliver to
Factor, as absolute owner, in accordance with the procedure detailed herein, all
of Seller's right, title and interest in and to Seller's Accounts.

                (a)     All Accounts shall be submitted to Factor on a Schedule
of Accounts listing each Account separately. The Schedule of Accounts shall be
in the form attached hereto as Schedule "1(a)," and shall be signed by a person
acting or purporting to act on behalf of Seller. At the time the Schedule of
Accounts is presented, Seller shall also deliver to Factor one copy of an
invoice for each Account together with evidence of shipment, furnishing and/or
delivery of the Goods or rendition of service(s). Seller shall have the option,
unless such right is terminated by Factor, to submit Schedule of Accounts and
related invoices by either facsimile transmission or electronically via internet
transmissions. In the event factor permits Seller to utilize either practice,
all risk of loss due to any errors, including transmission errors or otherwise,
shall be born by Seller and Factor shall be held harmless for any errors or
mistakes made in accepting or relying on such methods of transmission.
Regardless of the Seller's election to use such optional transmission methods,
Seller shall remain obligated to have delivered to Factor authentic original
hard copies of all such Schedules of Accounts and related invoices within 3 days
of either a facsimile or electronic transmission.

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                (b)     Any and all Purchased Accounts shall be purchased on
either a Credit Approved or with Full Recourse basis. In the absence of written
Credit Approval, each Purchased Account shall be purchased at Full Recourse. No
verbal Credit Approvals may be relied upon. Credit Approval(s) may be withdrawn,
either orally or in writing, in Factor's discretion at any time if, in Factor's
opinion, a Customer's credit standing becomes impaired before actual delivery of
goods or rendering of services. Credit Approval(s) shall be limited to the
specific terms and amounts indicated, and, notwithstanding any information
subsequently provided to Seller by Factor, such Credit Approval(s) are
automatically rescinded and withdrawn if the terms of sale vary from the terms
approved by Factor, or if the terms of sale are changed by Seller without
Factor's written Credit Approval on the new terms, or if the Purchased Account
is not assigned to Factor within thirty (30) days from the date of issuance or
are past due, (whichever shall so first occur}.

                (c)     With regard to sales without Credit Approval or in
excess of any Credit Approvals to any given Customer, Seller agrees that any
payments or credits applying to any Account owing by such Customer will be
applied; first, to any Credit-Approved Purchased Accounts outstanding on
Factor's books; second, to any Full Recourse Purchased Accounts outstanding on
Factor's books; and, third, to any Accounts outstanding on Seller's books. This
order of payment applies regardless of the respective dates the sales occurred
and regardless of any notations on payment items.

                (d)     If Factor fails to collect a Purchased Account within 90
days of its due date, or 120 days from its creation (whichever shall sooner
occur) for which Credit Approval has been given, and Factor fails to collect
such Purchased Account solely to the customer's financial inability to pay,
Seller shall not be liable to Factor for the Advance Amount of such Purchased
Account. If Factor fails to collect a Purchased Account(s) within 90 days of
its due date, or 120 days from its creation (whichever shall sooner occur) for
any reason other than the customer's stated Financial Inability to Pay, Seller
shall promptly repurchase such Purchased Account(s) from Factor for an amount
equal to its applicable Purchase Price plus all fees due Factor up to and
including the date of repurchase. Any Purchased Account for freight, samples, or
miscellaneous sales (including, without limitation, the sale of goods and/or in
quantities not regularly sold by Seller) is always assigned to Factor at Full
Recourse, notwithstanding any written Credit Approval from Factor. At its
option, Seller may repurchase any Purchased Account(s) from Factor by paying to
Factor an amount equal to the Purchased Account's Purchase Price plus all
applicable fees due Factor up to and including the date of repurchase.

                (e)     Factor shall have no liability of any kind for declining
or refusing to give, or for withdrawing, revoking, or modifying, any Credit
Approval pursuant to the terms of this Agreement, or for exercising or failing
to exercise any rights or remedies Factor may have under this Agreement or
otherwise. In the event Factor declines to give Credit Approval on any order
received by Seller from a Customer and in advising Seller of such decline Factor
furnishes Seller with information as to the credit standing of the Customer,
such information shall be deemed to have been requested of Factor by Seller and
Factor's advice containing such information is recognized as a privileged
communication. Seller agrees that such information shall not be given to
Seller's Customer or to Seller's sales representative(s). If necessary, Seller
shall merely advise its Customer(s) that credit has been declined on the account
and that any questions should be directed to Factor. Each Full Recourse
Account(s) assigned to and purchased by Factor is with full recourse to Seller
and at Seller's sole credit risk. Factor shall have the right to charge back to
Seller's Reserve the amount of such Full Recourse Receivables at any time and
from time to time either before or after their maturity. Seller agrees to pay
Factor upon demand the full amount thereof, together with all expenses incurred
by Factor up to the date of such payment, including reasonable attorney's fees
in attempting to collect or enforce such payment or payment of such Account(s)s,
Factor's Credit Approval shall only begin after the first $5,000 of all
Purchased Accounts relating to each Account Debtor. For purposes of determining
Factor's Credit Approval hereunder, the Purchased Accounts) balance due Factor
from any given customer shall be calculated as the aggregate amount owed by that
Customer less any credits to which such Customer may be entitled, and is not to
be construed to mean individual invoices owed by that customer.

                                        5
<PAGE>

        3.      PURCHASE PRICE AND COMMISSIONS.

                (a)     The Purchase Price that Factor shall pay to Seller for
each Purchased Account shall equal the Net Invoice Amount thereof less Factor's
factoring commission, as specified below. No discount, credit, allowance or
deduction with respect to any Purchased Account, unless shown on the face of an
invoice, shall be granted or approved by Seller to any Customer without Factor's
prior written consent.

                (b)     The Purchase Price (as computed above), less (i) any
Required Reserve Amount or credit balance that Factor, in Factor's sole
discretion, determines to hold, (ii) moneys remitted, paid, or otherwise
advanced by Factor to Seller (including any amounts which Seller may be
obligated to pay in the future), and (iii) any other charges provided for by
this Agreement, shall be payable by Seller to Factor on the Date of Collection.

                (c)     Factor shall be entitled to withhold a Required Reserve
Amount, and may revise the Required Reserve or Reserve Percentage at any time
and from time to time if Factor deems it necessary to do so in order to protect
Factor's interests. In no event shall Seller permit a Reserve Shortfall to
occur. Factor may charge against the Required Reserve any amount for which
Seller may be obligated to Factor at any time, whether under the terms of this
Agreement, or otherwise, including but not limited to the repayment of any over
advance, any damages suffered by Factor as a result of Seller's breach of any
provision of paragraph 6 hereof {whether intentional or unintentional), any
adjustments due and any attorneys' fees, costs and disbursements due. Seller
recognizes that the Required Reserve represents bookkeeping entries only and not
cash funds. It is further agreed that with respect to the balance in the
Required Reserve, Factor is authorised to withhold such payments and credits
otherwise due to Seller under the terms of this Agreement for reasonably
anticipated claims. In addition. Factor shall also have the right to revise,
without giving prior notice to Seller, the amount of the Reserve Percentage as
Factor may deem necessary from time to time to adequately satisfy reasonably
anticipated obligations) Seller may owe Factor. If an Event of Default has
occurred and is continuing, or, in the event Seller shall cease selling Accounts
to Factor, Factor shall not pay the amount in the Required Reserve until all
Accounts listed on all Schedules of Accounts have been collected or Factor has
determined, in its sole discretion, that it will make no further efforts to
collect any Accounts and all sums due Factor hereunder have been paid.

                (d)     In Factor's sole discretion, in accordance with the
terms of this Agreement. Factor may from time to time advance to Seller against
the Purchase Price of Purchased Accounts purchased by Factor hereunder, sums up
to eighty percent (80%) of the aggregate Purchase Price of Purchased Accounts
outstanding at the time any such advance is made, less: (1) Any such Purchased
Accounts that are in dispute; (2) any such Purchased Accounts that are not
credit approved; and (3) any fees, actual or estimated, that are chargeable to
the Reserve. Any advance shall be payable on demand and shall bear interest at
the rate set forth in subparagraph (e) below from the date such advance is made
until the date Factor would otherwise be obligated hereunder to pay the Purchase
Price of the Purchased Accounts) against which such advance was made.

                (e)     For Factor's services hereunder, Seller shall pay and
Factor shall be entitled to receive a factoring commission equal to 0.00133 of
the Purchased Account (0.133%) a day which sum shall commence on the day
following the date of funding and shall continue to accrue until the date
payment is received (assuming payment is received by Factor at its offices prior
to 2:00 PM local time). Should payment be received by Factor at its offices
after 2:00 PM local time, then for purposes of Factor's commission (and
Reserve availability) payment shall be recognized on the business day next to
occur. Factoring commissions shall be chargeable to Seller's Required Reserve.
The minimum factoring commission on each invoice or credit memo shall be the
greater of 15 days of fee as defined herein, or Ten Dollars ($10.00).

                (f)     It is the intention of the parties hereto that the
transactions contemplated hereby shall constitute a true purchase and sale of
Account(s) under the Uniform Commercial Code as in effect in the State of New
York.

                                        6
<PAGE>

        4.      TRANSFER.  Upon Factor's acceptance of each Purchased Account,
Factor shall be the sole owner and holder of such Purchased Account. Seller
hereby sells, transfers, conveys and assigns to Factor all of its right, title
and interest in and to each Purchased Account effective at the time of
acceptance thereof by Factor. Seller agrees to execute and deliver to each
Account Debtor obligated under an Account and/or a Purchased Account such
written notice of sale of the Purchased Account as Factor may request.

        5.      ACCOUNTING INFORMATION.  Factor will provide Seller with
information on the Purchased Accounts and a monthly reconciliation of the
factoring relationship relating to billing, collection and account maintenance
such as aging, posting, error resolution and mailing of statements. All of the
foregoing shall be in a format and in such detail, as Factor, in its sole
discretion, deems appropriate. Factor's books and records shall be admissible in
evidence without objection as prime facie evidence of the status of the
Purchased and non-purchased Accounts and Required Reserve between Factor and
Seller. Each statement, report, or accounting rendered or issued by Factor to
Seller shall be deemed conclusively accurate and binding on Seller unless within
fifteen (15) days after the date of issuance Seller notifies Factor to the
contrary by registered or certified mail, setting forth with specificity the
reasons why Seller believes such statement, report, or accounting is inaccurate,
as well as what Seller believes to be correct amount(s) therefore. Seller's
failure to receive any monthly statement shall not relieve it of the
responsibility to request such statement and Seller's failure to do so shall
nonetheless bind Seller to whatever Factor's records would have reported.

        6.      SELLER'S REPRESENTATIONS AND COVENANTS. Seller, as well as each
of Seller's principals, represent, warrant and covenant to Factor that:

                (a)     Seller is a registered organization such that it
is an organization organized solely under the law of a single state and as to
which the state must maintain a public record showing the organization to have
been organized; that Seller is duly organized, validly existing and in good
standing under the laws of the state of its incorporation and has duly filed any
requisite Articles or Certificate and is qualified and authorized to do business
and is in good standing in all states in which such qualification and good
standing are necessary or desirable. The execution, delivery and performance by
Seller of this Agreement do not and will not constitute a violation of any
applicable law, violation of Seller's articles of incorporation or bylaws or any
material breach of any other document, agreement or instrument to which Seller
is a party or by which Seller is bound. The Agreement is a legal, valid and
binding obligation of Seller enforceable against it in accordance with its
terms.

                (b)     Immediately prior to the execution and at the time of
delivery of each Schedule of Account. Seller is the sole owner and holder of
each of the Accounts described thereon and that upon Factor's acceptance of each
Purchased Account; it shall become the sole owner and holder of such Purchased
Account(s).

                (c)     No Account shall be subject to any lien, encumbrance,
security interest or other claim of any kind or nature. Seller will not factor,
sell, transfer, pledge or give a security interest in any of its Accounts to
anyone other than Factor. There are no financing statements now on file in any
public office covering any Collateral of Seller of any kind, real or personal,
in which Seller is named in or has signed as the debtor, except the financing
statement or statements filed or to be filed in respect of this Agreement or
those statements now on file that have been disclosed in writing by Seller to
Factor as reflected on a Schedule attached hereto. Seller will not execute any
financing statement in favor of any other Person, except Factor, during the Term
of this agreement.

                (d)     The amount of each Account is due and owing to Seller
and represents an accurate statement of a bona fide sale, delivery and
acceptance of goods or performance of service by Seller to or for an Account
Debtor. The terms for payment of Purchased Accounts are thirty (30) days from
date of invoice and the payment of such Purchased Accounts is not contingent
upon the fulfillment by Seller of any further performance of any nature
whatsoever. Each Account Debtor's business is solvent to the best of Seller's
knowledge.

                                        7
<PAGE>

                (e)     To the best of Seller's knowledge, there are and shall
be no set-offs, allowances, discounts, deductions, counterclaims, or disputes
with respect to any Purchased Account, either at the time it is accepted by
Factor or prior to the date it is to be paid. Seller agrees to inform Factor in
writing immediately upon learning that there exists any Account, which is
subject to a Dispute. Seller shall accept no returns and shall grant no
allowance or credit to any Account Debtor without notice to and the prior
written approval of Factor. Seller shall provide to Factor for each Account
Debtor who is indebted on an Account that has been purchased, immediate written
notification in a form and substance satisfactory to Factor itemizing all such
returns and allowances made with respect to such Accounts and at Factor's option
a check (or wire transfer) payable to Factor for the amount thereof or in
Factor's sole and exclusive discretion. Factor may accept the issuance of a
Credit Memo and apply same to Seller's Required Reserve.

                (f)     The address set forth in the salutary paragraph of this
Agreement is Seller's mailing address, its chief executive office, principal
place of business and the office where all of the books and records concerning
the Purchased Accounts are maintained which shall not be changed without giving
thirty (30) days prior written notice to Factor.

                (g)     Seller shall maintain its books and records in
accordance with GAAP and shall reflect on its books the absolute sale of the
Purchased Accounts to Factor. Seller shall furnish Factor, upon request, such
information and statements, as Factor shall request from time to lime regarding
Seller's business affairs, financial condition and results of its operations.
Without limiting the generality of the foregoing, Seller shall provide Factor,
within ninety (90) days after the end of each of Seller's fiscal years, annual
financial statements and such certificates relating to the foregoing as Factor
may request including, without limitation, a monthly certificate from the
president and chief financial officer of Seller stating whether any Events of
Default have occurred and stating in detail the nature of the Events of Default.
Seller will furnish to Factor upon request a current listing of all open and
unpaid accounts payable and Accounts, and such other items of information that
Factor may deem necessary or appropriate from time to time. Unless otherwise
expressly provided herein or unless Factor otherwise consents, all financial
statements and reports furnished to Factor hereunder shall be prepared and all
financial computations and determinations pursuant hereto shall be made in
accordance with GAAP, consistently applied.

                (h)     Seller has paid and will pay all taxes and governmental
charges imposed with respect to sale of goods and furnish to Factor upon request
satisfactory proof of payment and compliance with all federal, state and local
tax requirements.

                (i)     Seller will promptly notify Factor of (i) the filing of
any lawsuit against Seller involving amounts greater than $10,000.00, and (ii)
any attachment or any other legal process levied against Seller.

                (j)     The Application made or delivered by or on
behalf of Seller in connection with this Agreement, and the statements made
therein are true and correct at the time that this Agreement is executed. There
is no fact which Seller has not disclosed to Factor in writing which could
materially adversely affect the properties, business or financial condition of
Seller, or any of the Purchased Accounts or Collateral, or which is necessary to
disclose in order to keep the foregoing representations and warranties from
being misleading.

                (k)     Funds paid to Seller under this Agreement shall be
exclusively used for business related purposes of Seller. In no event shall the
funds paid to Seller hereunder be used directly or indirectly for personal,
family, household or agricultural purposes.

                (l)     Seller does business under no trade or assumed names
except as indicated below:

                       Alternative Construction Technology

                                        8
<PAGE>

                (m)     Any invoice or written communication that is issued by
Seller to Factor in any form of transmission including email, facsimile
transmission or otherwise is a duplicate of the original.

                (n)     Any electronic communication of data, whether by e-mail,
tape, disk, or otherwise, Seller remits or causes to be remitted to Factor shall
be authentic and genuine.

        7.      NOTICE OF PURCHASE. Seller shall execute and deliver to Factor
and/or file at such times and places as Factor may designate such financing
statements, continuations and amendments thereto as are necessary or desirable
to give notice of Factor's purchase of the Purchased Accounts under the Uniform
Commercial Code in effect in any applicable jurisdiction and Factor's security
interest in Seller's Collateral as provided in paragraph 8 below.

        Seller hereby grants to Factor the irrevocable authority to notify,
orally end in writing, any of Seller's secured or unsecured creditors (including
all trade creditors), any banking Institution with which factor believes Seller
does have or may have established a relationship, of, inter alia, Seller's
default, or of factor's sole right to the possession of its collateral and all
proceeds, and to demand turnover of same, and Factor will be held harmless from
any claims or damages of any kind that might arise for having done so.

        8.      COLLATERAL. In order to secure the payment of all indebtedness
and obligations of Seller to Factor, whether presently existing or hereafter
arising, Seller hereby grants to Factor a security interest in and lien upon all
of Seller's right, title and interest in and to all of Seller's Collateral.
Seller agrees to comply with all appropriate laws in order to perfect Factor's
security interest in and to the Collateral, to execute any financing statements,
continuations thereof, amendments thereto or additional documents as Factor may
require. The occurrence of any Event of Default shall entitle Factor to all of
the default rights and remedies (without limiting the other rights and remedies
exercisable by Factor either prior or subsequent to an Event of Default)
including those available to a secured party under the Uniform Commercial Code
in effect in any applicable jurisdiction.

        9.      COLLECTION.

                (a)     Seller shall notify all Account Debtors and take other
necessary or appropriate means to insure that all of Seller's Account(s),
whether or not purchased by Factor, shall be paid directly to Factor at the
remittance address set forth below. Factor shall have the right at any time,
either before or after the occurrence of an Event of Default and without notice
to Seller, to notify any or all Account Debtors of the assignment to Factor and
to direct such Account Debtors to make payment of all amounts due or to become
due to Seller directly to Factor.

                (b)     Factor, as the sole and absolute owner of the Purchased
Accounts, shall have the sole and exclusive power and authority to collect each
such Purchased Account, through legal action or otherwise, and Factor may, in
its sole discretion, settle, compromise, or assign (in whole or in part) any of
such Purchased Accounts, or otherwise exercise, to the maximum extent permitted
by applicable law, any other right now existing or hereafter arising with
respect to any of such Purchased Accounts. If Seller receives payment of all or
any portion of any of such Purchased Accounts or any other Account, Seller shall
notify Factor immediately and shall hold all checks and other instruments so
received in trust for Factor and shall deliver to Factor such checks and other
instruments without delay.

        10.     PAYMENTS RECEIVED BY SELLER. Should Seller receive payment of
all or any portion of any Purchased Account, Seller shall immediately notify
Factor of the receipt of the payment, hold said payment in trust for Factor
separate and apart from Seller's own property and funds, and shall deliver said
payment to Factor without delay in the identical form in which received. Should
Seller receive any check or other payment instrument with respect to a Purchased
Account or after default any Account and fail to surrender and deliver to Factor
said check or payment instrument within two (2) business days, Factor shall be
entitled to charge Seller a Misdirected Payment Fee to compensate Factor for the

                                        9
<PAGE>

additional administrative expenses that the parties acknowledge is likely to be
incurred as a result of such breach. In the event any goods, the sale of which
gave rise to a Purchased Account, are returned to or repossessed by Seller, such
goods shall be held by Seller in trust for Factor, separate and apart from
Seller's own property and subject to Factor's sole direction and control.

        11.     POWER OF ATTORNEY. Seller grants to Factor an irrevocable power
of attorney authorizing and permitting Factor, at its option, with or without
notice to Seller to do any or all of the following: (a) Endorse the name of
seller on any checks or other evidences of payment whatsoever that may come into
the possession of Factor regarding Purchased Accounts or Collateral, including
checks received by Factor pursuant to paragraph 9 hereof; (b) Receive, open and
dispose of any mail addressed to Seller and put Factor's address on any
statements mailed to Account Debtors; (c) Pay, settle, compromise, prosecute or
defend any action, claim, conditional waiver and release, or proceeding relating
to any Accounts or Collateral; (d) Upon the occurrence of an Event of Default,
notify in the name of the Seller, the U.S. Post Office to change the address for
delivery of mail addressed to seller to such address as Factor may designate,
however, Factor shall turn over to Seller all such mail not relating to the
Accounts or Collateral; (e) Execute and file on behalf of Seller any financing
statement deemed necessary or appropriate by Factor to protect Factor's interest
in and to the Accounts or Collateral, or under any provision of this Agreement;
and (f) To do all other things necessary and proper in order to carry out this
Agreement. The authority granted to Factor herein is irrevocable until this
Agreement is terminated and all Obligations are fully satisfied.

        12.     DEFAULT AND REMEDIES. An Event of Default shall be deemed
to have occurred hereunder and Factor may immediately exercise its rights and
remedies with respect to the Purchased Accounts and the Collateral under this
Agreement, upon the happening of one or more of the following: (a) Seller shall
fail to pay as and when due any amount owed to Factor; (b) There shall be
commenced by or against Seller any voluntary or involuntary case under the
Federal Bankruptcy Code, or any assignment for the benefit of creditors, or
appointment of a receiver or custodian; (c) Seller shall become insolvent in
that its debts are greater than the fair value of its assets, or Seller is
generally not paying its debts as they become due; (d) Any involuntary lien,
garnishment, attachment or the like shall be issued against or shall attach to
the Purchased Accounts, the Collateral or any portion thereof and the same is
not released within ten (10) days; (e) Seller suffers the entry against it for a
final judgment for the payment of money in excess of $10,000.00, unless the same
is discharged within thirty (30) days after the date of entry thereof or an
appeal or appropriate proceeding for review thereof is taken within such periods
and a stay of execution pending such appeal is obtained; (f) Seller shall breach
any covenant, warranty or representation set forth herein or same shall be
untrue when made; (g) Any report, certificate, schedule, financial statement,
profit and loss statement or other statement furnished by Seller, or by any
other person on behalf of Seller, to Factor is not true and correct in any
material respect; (h) Seller shall have a federal or state tax lien filed
against any of its properties, or shall fail to pay any federal or state tax
when due, or shall fail to file any federal or state tax form as and when due;
or (i) A material adverse change shall have occurred in Seller's financial
conditions, business or operations. Upon an Event of Default, all obligations
due Factor shall become immediately due and owing and Factor shall be entitled
to equitable relief without having to establish no adequate remedy at law or
other grounds except that its collateral is subject to being dissipated or is
otherwise not being made available to Factor. In the event Factor deems it
necessary to seek equitable relief, including, but not limited to, injunctive or
receivership remedies, as a result of an Event of Default, Seller waives any
requirement that Factor post or otherwise obtain or procure any bond.
Alternatively, in the event Factor, in its sole and exclusive discretion,
desires to procure and post a bond. Factor may procure and file with the court a
bond in an amount up to and not greater than $10,000.00 notwithstanding any
common or statutory law requirement to the contrary. Upon Factor's posting of
such bond it shall be entitled to all benefits as if such bond was posted in
compliance with state law. Seller also waives any right it may be entitled to,
including an award of attorney's fees or costs, in the event any equitable
relief sought by and awarded to Factor is thereafter, for whatever reason(s),
vacated, dissolved or reversed. All post-judgment interest shall bear interest
at either the contract rate, 18% per annum or such higher rate as may be allowed
by law.

        13.     CUMULATIVE RIGHTS; WAIVERS. All rights, remedies and powers
granted to Factor in this Agreement, or in any other instrument or agreement
given to Seller to Factor or otherwise available to

                                       10
<PAGE>

Factor in equity or at law, are cumulative and may be exercised singularly or
concurrently with such other rights as Factor may have. These rights may be
exercised from time to time as to all or any part of the Accounts purchased
hereunder or the Collateral as Factor in its discretion may determine. In the
event that any part of this transaction between Seller and Factor is construed
to be a loan from Factor to Seller. any advances or payments made as the
Purchase Price for all Purchased Accounts shall be secured by the Purchased
Accounts and the Collateral and Factor shall have all rights and remedies
available to Factor in addition to its rights and remedies hereunder. Factor may
not be held to have waived its rights and remedies unless the waiver is in
writing and signed by Factor. A waiver by Factor of a right, remedy or default
under this Agreement on one occasion is not a waiver of any right, remedy or
default on any subsequent occasion.

        14.     NOTICES. Any notice or communication with respect to this
Agreement shall be given in writing, sent by (i) personal delivery, or (ii)
expedited delivery service with proof of delivery, or (iii) United States mail,
postage prepaid, registered or certified mail, or (iv) prepaid telegram, telex
or telecopy, addressed to each party hereto at its address set forth below or to
such other address or to the attention of such other person as hereafter shall
be designated in writing by the applicable party sent in accordance herewith.
Any such notice or communication shall he deemed to have been given either at
the time of personal delivery or, in the case of delivery service or mail, as of
the date of first attempted delivery at the address and in the manner provided
herein, or in the case of telegram, telex or telecopy, upon receipt.

        15.     RIGHT OF FIRST OFFER. Seller hereby agrees that in the event
Seller receives a New Factoring Proposal, Seller will (i) advise Factor in
writing of the identity of the offeror of the New Factoring Proposal and the
complete terms of the New Factoring Proposal, and (ii) if Factor elects, in its
sole discretion, to offer to modify this Agreement to contain the same terms as
the New Factoring Proposal, accept Factor's Factoring Proposal,

        16.     ATTORNEY'S FEES AND EXPENSES. Seller agrees to reimburse Factor
upon demand for all reasonable attorney's fees, court costs and other expenses
incurred by Factor in preparation, negotiation and enforcement of this
Agreement and protecting or enforcing its interest in the Accounts or the
Collateral, in collecting the Accounts or the Collateral, or in the
representation of Factor in connection with any bankruptcy case or insolvency
proceeding involving Seller, the Collateral, any Account Debtor or any Accounts.
Seller hereby authorizes Factor, at Factor's sole discretion, to deduct such
fees, costs and expenses from the Required Reserve or may make demand therefore.
Notwithstanding the existence of any law, statute or rule, in any jurisdiction
which may provide Seller with a right to attorney's fees or costs, Seller hereby
waives any and all rights to hereafter sock attorney's fees or costs hereunder
and Seller agrees that Factor exclusively shall he entitled to indemnification
and recovery of any and all attorney's fees or costs in respect to any
litigation based hereon, arising out of, or related hereto, whether under, or in
connection with, this and/or any agreement executed in conjunction herewith, or
any course of conduct, course of dealing, statements (whether verbal or written)
or actions of either party.

        17.     INDEMNITY. Seller hereby indemnifies and agrees to hold harmless
and defend Factor from and against any and all claims, judgments, liabilities,
fees and expenses (including attorney's fees) which may be imposed upon,
threatened or asserted against Factor at any time and from time to time in any
way connected with this Agreement or the Collateral. The foregoing
indemnification shall apply whether or not such indemnified claims are in any
way or to any extent owed, in whole or in part, under any claim or theory of
strict liability, or are caused, in whole or in part, by any negligent act or
omission of Factor.

        18      SEVERABILITY. Each and every provision, condition, covenant and
representation contained in this Agreement is, and shall be construed to be, a
separate and independent covenant and agreement. If any term or provision of
this Agreement shall to any extent be invalid or unenforceable, the remainder
of the Agreement shall not be affected thereby.

                                       11
<PAGE>

        19.     PARTIES IN INTEREST. All grants, covenants and agreements
contained in this Agreement shall bind and inure to the benefit of the parties
hereto and their respective successors and assigns; provided, however, that
Seller may not delegate or assign any of its duties or obligations under this
Agreement without the prior written consent of Factor. Factor reserves the right
to assign its rights and obligations under this agreement in whole or in part to
any person or entity.

        20.     GOVERNING LAW: SUBMISSION TO PROCESS AND VENUE. This agreement
shall be deemed a contract made under the laws of the State of New York and
shall be construed and enforced in accordance with and governed by the internal
laws of the State of New York, without reference to the rules thereof relating
to conflicts of law. Seller hereby irrevocably submits itself to the exclusive
jurisdiction of the state and federal courts located in New York, and agrees and
consents that service of process may be made upon it in any legal proceeding
relating to this agreement, the purchase of Accounts or any other relationship
between Factor and Seller by any means allowed under state or federal law. Any
legal proceeding arising out of or in any way related to this Agreement, the
purchase of Accounts or any other relationship between Factor and Seller shall
be brought and litigated in any the state or federal courts located in the State
of New York in any county in which Factor has a business location, the selection
of which shall be in the exclusive discretion of Factor. Seller hereby waives
and agrees not to assert, by way of motion, as a defense or otherwise, that any
such proceeding, is brought in any inconvenient forum or that the venue thereof
is improper.

        21.     COMPLETE AGREEMENT. This Agreement, the written documents
executed pursuant to this Agreement, if any, and the acknowledgment delivered in
connection herewith set forth the entire understanding and agreement of the
parties hereto with respect to the transactions contemplated herein and may not
be contradicted by evidence of prior, contemporaneous, or subsequent oral
agreements of the parties. No modification or amendment of or supplement to this
Agreement shall be valid or effective unless the same is in writing and signed
by the party against whom it is sought to be enforced.

        22.     MISCELLANEOUS.

                (a)     Seller acknowledges that there is no, and it will not
seek or attempt to establish any, fiduciary relationship between Factor and
Seller, and Seller waives any right to assert, now or in the future, the
existence or creation of any fiduciary relationship between Factor and Seller in
any action or proceeding (whether by way of claim, counterclaim, cross claim or
otherwise) for damages.

                (b)     This Agreement shall be deemed to be one of financial
accommodation and not assumable by any debtor, trustee or debtor-in-possession
in any bankruptcy proceeding without Factor's express written consent and may be
suspended in the event a petition in bankruptcy is filed by or against Seller.

                (c)     In the event Seller's principals, officers or directors
form a new entity, whether corporate, partnership, limited liability company or
otherwise, similar to that of Seller prior to the termination of this Agreement,
such entity shall be deemed to have expressly assumed the obligations due Factor
by Seller under this Agreement. Upon the formation of any such entity. Factor
shall be deemed to have been granted an irrevocable power of attorney with
authority to execute, on behalf of the newly formed successor business, a new
UCC-1 or UCC-3 financing statement and have it filed with the appropriate
secretary of state or UCC filing office. Factor shall be held-harmless and be
relieved of any liability statement or the resulting perfection of a lien in any
of the successor entity's assets. In addition, Factor shall have the right to
notify the successor entity's account debtors of Factor's lien rights, its right
to collect all Accounts, and to notify any new Factor or lender who has sought
to procure a competing lien of Factor's right is in such successor entity's
assets.

                (d)     Seller expressly authorizes Factor to access the systems
of and/or communicate with any shipping or trucking company in order to obtain
or verify tracking, shipment or delivery status of any goods regarding any
Account.

                                       12
<PAGE>

                (e)     Each of Seller's principal(s) acknowledge that the duty
to accurately complete each Schedule of Accounts is critical to this Agreement
and as such all obligations with respect thereto are non-delegable. Each of
Seller's principal(s) acknowledge that he/she shall remain fully responsible for
the accuracy of each Schedule of Accounts delivered to Factor regardless of who
is delegated the responsibility to prepare and/or complete such Schedule of
Accounts.

                (f)     Seller agrees to execute any and all forms (i.e. Forms
8821 and/or 2848) that Factor may require in order to enable Factor to obtain
and receive tax information issued by the Department of the Treasury, Internal
Revenue Service, or receive refund checks.

                (g)     Seller will cooperate with Factor in obtaining a control
agreement in form and substance satisfactory to Factor with respect to
Collateral consisting of: Deposit Accounts; Investment Property;
Letter-of-credit rights; and Electronic chattel paper.

                (h)     In recognition of the Factor's right to have its
attorneys' fees and other expenses incurred in connection with this Agreement
secured by the Collateral, notwithstanding payment in full of all Obligations by
Seller. Factor shall not be required to record any terminations or satisfactions
of any of Factor's liens on the Collateral unless and until Seller has executed
and delivered to Factor a general release in a form reasonably satisfactory to
Factor. SELLER UNDERSTANDS THAT THIS PROVISION CONSTITUTES A WAIVER OF ITS
RIGHTS UNDER SECTION 9-404 OF THE UCC OR SECTION 9-513 OF THE REVISED UCC.
Seller acknowledges that Factor and only Factor shall have the authority to file
a termination statement with regard to this or any other transaction between
Seller and Factor and that such filing by anyone other than Factor shall be
deemed wrongful, unauthorized and criminally negligent. Seller agrees that it
may not seek and hereby waives any right to seek any damages against Factor for
Factor's failure or refusal to file a UCC termination statement upon the request
of Seller, so long as factor has a subjective good faith belief that Seller has,
as of the date that such request to file a termination statement is made or at
any time thereafter, failed to satisfy all Obligations.

                (i)     If after receipt of any payment or proceeds of
Collateral applied to the payment of any of obligation. Factor becomes subjected
to an Avoidance Claim or is required to surrender or return such payment or
proceeds to any person as a result of an Avoidance Claim, then the obligation
intended to be satisfied by such payment or application of such proceeds shall
be deemed immediately reinstated and continue in full force and effect as if
such payment or proceeds had not been received by Factor. This Section shall
remain effective notwithstanding any contrary action which may be taken by
Factor in reliance upon such payment or proceeds and shall survive the
termination of this Agreement.

                (j)     Factor has no obligation to marshal any assets in favor
of Seller.

        23.     WAIVER OF JURY TRIAL, PUNITIVE AND CONSEQUENTIAL DAMAGES, ETC.
SELLER AND FACTOR HEREBY (A) IRREVOCABLY WAIVE ANY RIGHT EITHER MAY HAVE TO A
TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY AT ANY TIME
ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS AGREEMENT OR ANY TRANSACTION
CONTEMPLATED HEREBY OR ASSOCIATED HEREWITH; (B) SELLER IRREVOCABLY WAIVES, TO
THE MAXIMUM EXTENT NOT PROHIBITED BY LAW, ANY RIGHT IT MAY HAVE TO CLAIM OR
RECOVER IN ANY SUCH LITIGATION ANY SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL
DAMAGES, OR DAMAGES OTHER THAN, OR IN ADDITION TO, ACTUAL DAMAGES; (C) AND
SELLER CERTIFIES THAT NO PARTY HERETO NOR ANY REPRESENTATIVE OR AGENT OR COUNSEL
FOR ANY PARTY HERETO HAS REPRESENTED, EXPRESSLY OR OTHERWISE, OR IMPLIED THAT
SUCH PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING
WAIVERS; AND (D) SELLER ACKNOWLEDGES THAT FACTOR HAS BEEN INDUCED TO ENTER INTO
THIS AGREEMENT AND THE TRANSACTIONS CONTEMPLATED HEREBY, IN PART, AS A RESULT OF
THE MUTUAL WAIVERS AND CERTIFICATIONS CONTAINED IN THIS PARAGRAPH.

        24.     COUNTERPARTS. This Agreement may be signed in any number of
counterparts, each of which shall be an original, with the same effect as if all
signatures were upon the same instrument. Delivery of an executed counterpart of
the signature page to this Agreement by facsimile shall be effective as delivery
of a manually executed counterpart of this Agreement, and any party delivering
such

                                       13
<PAGE>

an executed counterpart of the signature page to this Agreement by facsimile to
any other party shall thereafter also promptly deliver a manually executed
counterpart of this Agreement to such other party, provided that the failure to
deliver such manually executed counterpart shall not affect the validity,
enforceability, or binding effect of this Agreement.

        In Witness Whereof, the parties have set their hands and seals on the
day and year first hereinabove written.

                                          THE HAMILTON GROUP, (DELAWARE), INC.,
                                          a Delaware Corporation

          [ILLEGIBLE]
--------------------------------
Witness
                                          By:    /s/ Michael J. Howe
                                                 -------------------------------
                                          Name:  Michael J. Howe
                                          Title: Principal

                                          ALTERNATIVE CONSTRUCTION COMPANY, INC.
                                          a Florida Corporation

          [ILLEGIBLE]
--------------------------------
Witness
                                          By:    /s/ Michael Hawkins
                                                 -------------------------------
                                          Name:  Michael Hawkins
                                          Title: President
STATE OF Florida  )
COUNTY OF Brevard )

        I HEREBY CERTIFY that on this day personally appeared before me, an
officer duly authorized to administer oaths and take acknowledgements; Michael
Hawkins, as President of Alternative Construction Company, Inc., a Florida
Corporation ( ) who has produced the following identification:
___________________ or (X) who is personally known to me, and who acknowledged
before me that he executed the same for the purposes therein expressed, as the
free act and deed of said corporation.

        WITNESS my hand and official seal in the County and State last aforesaid
on this 7th day of April, 2005.

                                                 /s/ Deborah Echevarria
                                                 -------------------------------
                                                 Notary Public, State of Florida
                                                 My Commission Expires:

                                                      Deborah Echevarria
                                            [SEAL]    Commission #DD192026
                                                      Expires: Mar 10, 2007
                                                           Bonded Thru
                                                      Atlantic Bonding Co., Inc.

                                       14

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