Document:

EXHIBIT 10.3

RS Group of Companies Inc.
200 Yorkland Blvd., Suite 200,
Toronto ON M2J 5C1
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                           FEE COMPENSATION AGREEMENT

This Fee Compensation Agreement ("Agreement") is made by and between RS GROUP OF
COMPANIES, INC., a Florida corporation (hereinafter as "RS Group") and AON RISK
SERVICES, INC. OF TENNESSEE, a Tennessee corporation (hereinafter as "ARS").

This Agreement is to confirm our understanding concerning brokerage, financial
and risk management support services for the RentShield(TM) program that ARS
agrees to provide for RS Group, in addition to the terms and conditions that the
parties hereto agreed upon in a Letter of Authorization to Approach Insurance
Markets, dated March 30, 2004, and a Letter of Intent to Establish a Strategic
Alliance or Partnership, dated March 30, 2004;

Term. This Agreement shall be deemed to be effective as of April 1, 2004, and
shall terminate on June 30, 2005 (the "Service Period"). ARS's obligation to
render any and all Services or any further Services under this Agreement will
terminate at the end of the Service Period, unless otherwise agreed in writing
and signed by both RS Group and ARS.

Fee. In consideration of ARS's agreement to provide the services and to procure
a carrier satisfactory to RS Group that is committed to underwrite coverage for
RS Group's RentShield(TM) program in the United States for the duration of the
Service Period, RS Group agrees to pay ARS a one-time fee of one hundred
thousand dollars (US$100,000.00) (the "One-Time Fee") upon the execution of this
Agreement by both parties.

RS Group and ARS agree that any revenue entitled to ARS under a separate Joint
Marketing and Administration Services Agreement between the parties regarding RS
Group's RentShield(TM) Program will be credited up to one hundred percent (100%)
against the One-Time Fee payable to Aon under this Agreement. In the event that
an underwriter of the RentShield Insurance program (currently, Great American
Insurance) does not offer to bind and issue coverage for any portfolios which
have been submitted for consideration before June 30, 2005, ARS will return
$25,000 of the service fee paid by RS Group under this agreement on or about
July 15, 2005. An underwriting model, which outlines the pricing approach
approved by Great American Insurance, is attached as Exhibit A ("Underwriting
Model")

If ARS is required to return any commissions that were credited against the fee
paid to ARS by RS Group under this Agreement, RS Group shall reimburse ARS any
amount so returned.

RS Group shall have the responsibility to report and communicate changes in
exposures, loss-related data and other material changes in writing to ARS,
which, in turn, shall assume the responsibility of reporting such changes to any
insurance carriers.

When in ARS's professional judgment it is necessary or appropriate, ARS will
utilize the services of other intermediaries, including managing general
agents/managing general underwriters ("MGA/MGUs"), wholesale brokers, or
reinsurance brokers to assist in accessing insurance or reinsurance markets.

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                           RS Group of Companies Inc.

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Such intermediaries may or may not be affiliates of ARS. MGA/MGUs typically are
appointed as agents or administrators of the insurance companies they represent
and they usually are compensated by such companies in the form of commissions
from ARS's client's premiums. Wholesale brokers and reinsurance brokers also are
typically compensated by insurance companies in the form of commission from
ARS's client's premiums. In some instances and subject to applicable law,
wholesale brokers may assess a broker fee in addition to the compensation paid
by insurance companies, and such broker fees typically are paid by ARS's client.

If available to ARS, RS will be provided with an accounting of any amounts paid
to ARS, ARS affiliates and non-affiliates in connection with coverages placed
under this Agreement or any other agreement between ARS and RS in connection
with the RentShield(TM) program, including any fees paid to ARS for services it
provides to underwriters. ARS also shall make available to RS copies of
marketing correspondence and commission rates, if any, in connection with the
services performed under this Agreement or any other agreement between ARS and
RS in connection with the RentShield(TM) program.

Premiums paid for insurance paid to ARS and refunds and claim payments paid to
ARS by insurance companies are deposited into fiduciary accounts in accordance
with applicable laws until they are due to be paid. Subject to such laws and the
insurance company's consent where applicable, ARS will retain the interest or
investment income earned while such funds are on deposit in such accounts.

ARS's goal is to procure additional insurance capacity above and beyond Great
American for RS Group's RentShield(TM) Program with underwriters possessing the
financial strength to perform in today's economic environment. Toward this
objective, ARS regularly reviews publicly available information concerning an
underwriter's financial condition. This information includes, but is not limited
to:

         o        approval by various regulatory authorities;

         o        reports from professional rating agencies such as A.M. Best,
                  Standard and Poor's, ISI and Moody's analysis of underwriters;

         o        IRIS test results which consist of 11 financial ratios
                  established by the National Association of Insurance
                  Commissioners (NAIC); and

         o        the input of our global affiliates and correspondents.

Most ARS placements are made with underwriters that are rated "Excellent" by the
professional rating agencies; however, ARS does not guarantee the solvency of
any underwriters with which it places insurance. ARS encourages RS Group to
review the publicly available information made available by ARS. The decision to
accept or reject an underwriter shall be made solely by RS.

If, at any time during the term hereof, the rating of the insurance carrier that
is procured by ARS and enters into an agreement to underwrite the RentShield(TM)
Program is, for a period in excess of one fiscal quarter, downgraded to a rating
status of less than "A," as rated by all of the Professional Rating Agencies,
ARS agrees, at no further cost to RS Group, to use its best efforts to promptly,
procure another carrier satisfactory to RS Group that is committed to underwrite
coverage for RS Group's RentShield(TM) program in the United States for the
duration of the Service Period in substitution of the downgraded
carrier.Confidentiality. As a condition precedent to the execution of this

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                           RS Group of Companies Inc.
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agreement, that certain Mutual Confidentiality Agreement executed by ARS and
Rent Shield Corp. (now RS Group) on February 18th, 2004 (a copy of which is
attached hereto) is hereby extended and effective through December 31, 2005 (the
"MCA").

RS Group grants ARS limited use of RS Group's logo, pictures, and other publicly
available information about RS Group, to be used by ARS strictly in the best
interests of RS Group and solely for the purpose of promoting RS Group to an
entity involved in the marketing process for RS Group's insurance needs under
this Agreement, subject to the approval of RS Group (such approval not to be
unreasonably withheld or delayed).

In the event that the operations of either RS Group or ARS change substantially
by merger, acquisition, expansion or other material change in scope and nature
of exposures, losses, and/or insurance program, RS Group and ARS will negotiate
in good faith to revise this Agreement as appropriate.

Insurance Placements; Audits. ARS agrees that during the Service Period of this
Agreement and for a period of twelve (12) months after the termination or
expiration hereof, RS Group or its authorized representatives shall have the
right to audit financial records relating to the insurance placements by Aon
under this Agreement; provided, that should RS conduct such audit, the use of
any financial information disclosed by ARS to RS during any such financial audit
shall be subject to RS's continuing compliance with, the MCA. Any such audit
will be at the expense of RS Group.

This Agreement shall be governed by the laws of the State of Illinois, without
regard to its principles of conflict of laws.

Nothing in this Agreement implies or is intended to create, a joint venture,
partnership or other legally binding combination between RS Group and ARS.

This Agreement, and those documents incorporated by reference herein, contains
the entire agreement between RS Group and ARS concerning the provision of the
Services that are the subject hereof, and may only be amended by an agreement in
writing signed by both RS Group and ARS.

Accepted and agreed by the parties hereto as of this _____ day of November 2004.

 RS GROUP OF COMPANIES, INC.

By:
    ---------------------------------
    Kenneth Min, President

AON RISK SERVICES, INC. OF TENNESSEE

By:
    --------------------------------
    Kevin Gabhart, Resident Manager

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                           RS Group of Companies Inc.EXHIBIT 10.4

                               SERVICES AGREEMENT

         THIS SERVICES AGREEMENT, made as of the 15th day of October, 2004, by
and among RS GROUP OF COMPANIES, INC., a corporation incorporated under the laws
of the State of Florida (hereinafter as "RSGC"), INITIATIVES CANADA CORPORATION,
a company formed under the laws of the Province of Ontario (hereinafter as
"ICC") and CANADIAN LITERACY INITIATIVES, a company formed under the laws of the
Province of Ontario (hereinafter as "CLI")

                                    RECITALS
                                    --------

A.       RSGC and ICC wish to enter into this Agreement for the purposes of ICC
         and CLI engaging the services of RSGC in providing administrative
         service required by ICC and CLI in support of ICC and CLI's Fair Market
         Value Program (the "Program").

B.       RSGC has agreed to assist with said administrative needs of ICC and CLI
         for the term of this Agreement.

         IN CONSIDERATION OF THE MUTUAL COVENANTS AND OTHER GOOD AND VALUABLE
         CONSIDERATION, THE PARTIES AGREE AS FOLLOWS:

                                    SERVICES
                                    --------

1.       Duties and Responsibilities of RSGC. RSGC shall provide to ICC any
         assistance that is reasonable requested by ICC for the purpose of the
         Program:

                  Administrative services including but not limited to
                  processing donor applications, issuing warranty protection
                  certificates to approved donors, and processing donor payment
                  instructions.

2.       Duties and responsibilities of ICC and CLI.. ICC and CLI shall provide
         RSGC all detailed donor applicant files and other Program related
         information in order that RSGC can fully understand the administrative
         requirements to support ICC and CLI.

                                      TERM
                                      ----

3.       The term of this Agreement shall, unless earlier terminated pursuant to
         Section 4 below, be for a period of five (5) years from the date of
         this Agreement (the "Term").

4.       Early Termination of the Term. ICC and CLI may terminate the Term upon
         ninety (90) days written notice given to RSGC at any time prior to the
         expiry date of this Agreement, accompanied by payment, by bank draft or
         cashier's cheque payable to RSGC, of all amounts due and owing to RSGC
         under this Agreement at the date of such payment ("Payment Amount").
         RSGC may terminate the Term upon thirty (30) days written notice given
         to ICC and CLI at any time for any reason prior to the expiry date of
         this Agreement.

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5.       "Year" means the twelve (12) month period ending on the first or any
         subsequent anniversary of the date of this Agreement.

6.       Return of Confidential Information. Upon the expiration of the Term
         pursuant to Section 4 hereof or the termination or cancellation of the
         Term pursuant to Section 4 hereof and the Payment Amount is paid full
         within the requisite time period, then Receiving Party shall return to
         the Disclosing Party all files, compact disks and other similar media
         in its possession containing Confidential Information.

7.       Fees. As compensation for the services provided by RSGC under this
         Agreement, ICC and CLI shall compensate RSGC:

                  An administrative service fee in the amount of One dollar (CAD
                  $1.00) due and payable to RSGC immediately

                    REPRESENTATIONS, WARRANTIES AND COVENANTS
                    -----------------------------------------

8.       Representations, Warranties and Covenants of ICC:

         (a)      ICC and CLI are valid and subsisting corporations under the
                  laws of the jurisdiction where it was formed, has full and
                  power and authority to enter into this Agreement and to
                  perform each of its obligations hereunder and this Agreement
                  is enforceable against ICC in accordance with its terms;

         (b)      ICC and CLI are, and shall be, in full compliance with all
                  federal, state and provincial laws and regulations in every
                  jurisdiction applicable to its business and operations and the
                  performance of its obligations under this Agreement; and;

         (c)      ICC and CLI have not and shall not enter into any agreement,
                  commitment or understanding whether written or oral, which
                  conflicts or is inconsistent with the terms of this Agreement
                  or which would adversely affect its ability to perform the
                  obligations required to be performed by it under this
                  Agreement.

9.       Representations, Warranties and Covenants of RSGC

         (a)      RSGC is a valid and subsisting corporation under the laws of
                  the jurisdiction where it was formed, has full and power and
                  authority to enter into this Agreement and to perform its
                  obligations hereunder and this Agreement is enforceable
                  against RSGC in accordance with its terms;

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         (b)      RSGC is, and shall be, in full compliance with all federal and
                  state laws and regulations in every jurisdiction applicable to
                  its business and operations and the performance of its
                  obligations under this Agreement, including laws and
                  regulations relating to privacy matters; and

         (c)      RSGC has not and shall not enter into any agreement,
                  commitment or understanding, whether written or oral, which
                  conflicts or is inconsistent with the terms of this Agreement
                  or which would adversely affect its ability to perform the
                  obligations required to be performed by it under this
                  Agreement.

                                 CONFIDENTIALITY
                                 ---------------

10.      Confidential Information. "Confidential Information" shall mean
         information provided by either party ("Disclosing Party") to the other
         party ("Receiving Party"), which is considered by the Disclosing Party
         to be proprietary. During the course of this Agreement, the Receiving
         Party agrees that information furnished to it, including all
         intellectual property, financial, trade, systems, services, techniques
         and processes, operational and other information (including market
         analysis and projections) concerning the Disclosing Party and its
         subsidiaries, its and their personnel, assets and operations, all
         documentation and any copies thereof relating to any of such
         information, whether in oral, written, graphic, electronic or other
         tangible form, shall be considered, for purposes of this Agreement,
         "Confidential Information".

11.      Confidentiality Obligation. The Receiving Party and its respective
         affiliates, shareholders, members, directors, officers, employees, and
         agents agrees to hold the Confidential Information in the strictest
         confidence, both during and after the termination of this Agreement. To
         this end, the Receiving Party shall be bound by the terms and
         conditions of any pre-existing or contemporaneously executed
         Non-disclosure Agreement, and shall:

         (a)      only use the Confidential Information to carry out its duties
                  and responsibilities hereunder and not use, disclose or reveal
                  the Confidential Information, to employees of the foregoing
                  entities, agents and independent contractors who have a "need
                  to know" for purposes of this Agreement;

         (b)      not make, or permit or cause to be made copies of the
                  Confidential Information, except as necessary to carry out its
                  duties and responsibilities as described by this Agreement;
                  and

         (c)      take all reasonable precautions to prevent the inadvertent
                  disclosure of the Confidential Information to any unauthorized
                  person (other than as provided for in paragraph (a) above).

                                 INDEMNIFICATION
                                 ---------------

12.      Indemnification by ICC and CLI. ICC and CLI hereby indemnifies and
         holds harmless RSGC and its respective affiliates, subsidiaries,
         shareholders, directors, members, managers, officers, employees and
         agents from and against any and all losses, liabilities, claims, causes
         of action, suits, expenses (including but not limited to legal fees and
         expenses), costs (including costs of investigation), interest, fines
         and penalties incurred by RSGC as a result or by virtue of any breach
         of any representation, warranty or covenant made by ICC and CLI herein.

<PAGE>

13.      Indemnification by RSGC. RSGC hereby indemnifies and holds harmless ICC
         and CLI and its respective affiliates, subsidiaries, shareholders,
         directors, managers, officers and employees from and against any and
         all losses, liabilities, claims, causes of action, suits, expenses
         (including by not limited to attorney's fees and expenses), costs
         (including costs of investigation), interest, fines and penalties
         incurred by ICC and CLI as a result or by virtue of any breach or
         default of any representation, warranty or covenant made by RSGC
         herein.

14.      Opportunity to Cure. In order to be entitled to indemnification
         thereunder, each party seeking ------------------- indemnification (the
         "Indemnity") shall be required to notify the party in writing from who
         it is seeking indemnification (the "Indemnifying Party") notice of the
         occurrence of the breach or default of any representation, warranty or
         covenant made herein and such breach or default has been continuing for
         at least thirty (30) days, specifying the term or terms of this
         Agreement under which such breach or default has been continuing for at
         least thirty (30) days, specifying the term or terms of this Agreement
         under which such breach or default has occurred, the circumstances
         giving rise to such breach or default, and the opportunity to cure such
         breach or default within thirty (30) days of the delivery of such
         notice (the "Cure Period"). During the Cure Period, the Indemnifying
         Party shall have right to discuss the alleged breach or default with
         the Indemnity, provided that any such discussion shall not relieve the
         Indemnifying Party of the duty to cure the breach or default.

                                     GENERAL
                                     -------

15.      Notices and other communication s shall be addressed or directed to the
         physical and electronic addresses set forth under the signature lines
         of each of the parties hereto. Facsimile signatures shall have the same
         force and effect as physical signatures. This Agreement, the Exhibits
         attached hereto and the subject matter hereof and thereof reflect the
         entire agreement between the parties hereto and supersede any and all
         prior understandings, agreements and commitments, whether written or
         oral, between any or all of them. The waiver of one breach or default
         or any delay in exercising rights shall not constitute a waiver of any
         subsequent breach or default. This Agreement may be executed in
         counterparts, each of which shall be deemed an original and all of
         which when taken together shall constitute one and the same instrument.
         This Agreement shall be binding on and inure to the benefit of each of
         the parties hereto, their respective successors and permitted assigns
         (subject to Section 18 hereof) and their respective affiliates,
         shareholders, members, managers, directors, officers and employees.
         This Agreement may only be amended in writing by an instrument executed
         by all of the parties hereto. Headings are for convenience only and
         shall not be construed in the interpretation or meaning of any
         provision hereof. This Agreement may be executed in counterparts, all
         of which when taken together shall constitute one and the same
         instrument.

                                       7
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16.      Governing Law. This Agreement shall be governed by the laws of the
         Province of Ontario, without giving effect to principles of conflicts
         of laws.

17.      Assignment. No party hereto shall be entitled to assign any of its
         rights and obligations hereunder, without the prior written consent of
         the other party.

18.      Confidentiality of this Agreement. This Agreement and the subject
         matter hereof shall be held in the strictest confidence by each of the
         parties hereto. Disclosure of this Agreement or the subject matter
         hereof shall be made upon the mutual written consent of all of the
         parties hereto; provided, however, that (i) this Agreement and a
         summary description of its contents (in any case, with dollar amounts
         and percentages omitted) may be disclosed in a press release issued by,
         or public filing made by, RSGC without the aforesaid consent
         requirement and (ii) this Agreement and the subject matter hereof may
         be disclosed by RSGC in the performance of its duties under Section 2.
         Notwithstanding the foregoing, in the event that RSGC, in consultation
         with securities counsel, determines that this Agreement is required by
         applicable laws and regulations to be filed as an exhibit to a public
         filing required to be made by it, RSGC shall apply for confidential
         treatment of all dollar amounts and percentages and other information
         considered confidential in accordance with rule 406 of the Securities
         Act of 1933 and Rule 24b-2 of the Securities Exchange Act of 1934 and
         other applicable rules and regulations. RSGC shall consult with ICC and
         CLI prior to filing any applications for confidential treatment
         relating to this Agreement or the subject matter hereof.

                  IN WITNESS WHEREOF, the parties hereto have executed this
                  Agreement and affirmed their consent hereto as of the day and
                  year first above written.

                  RS GROUP OF COMPANIES, INC.:

                  By: ________________________________
                         Name: Sandro Sordi
                         Title:   General Counsel

                  INITIATIVES CANADA CORPORATION:

                  By: _________________________________
                          Name:  Krishna Sankarnarayanan
                          Title:     President

                  CANADIAN LITERACY INITIATIVES:

                  By: _________________________________
                          Name:  Krishna Sankarnarayanan
                           Title:    President

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