Document:

EXHIBIT 10.4

                               ARTICLES OF MERGER

                                       of

            LEVEL JUMP FINANCIAL GROUP, INC. (a Florida corporation)

                                       and

            LEVEL JUMP FINANCIAL GROUP, INC. (a Colorado corporation)

                 under the Florida 1989 Business Corporation Act

     Pursuant to the provisions of Sections 607.1101 through 1104 of the Florida
1989 Business Corporation Act:

     1. The name of the surviving corporation is "Level Jump Financial Group,
Inc." a Florida corporation.

     2. The name of the merging corporation is "Level Jump Financial Group,
Inc.", a Colorado corporation.

     3. The principal office of the surviving corporation is 133 Richmond
Street, West # 401, Toronto, Ontario, Canada, M5H 2L3.

     4. The Plan of Merger is attached.

     5. The merger will become effective on the date the Articles of Association
are filed with the Florida Department of State.

     6. The Plan of Merger was adopted by the Board of Directors of Level Jump
Financial Group, Inc., a Florida corporation, the surviving corporation, on
January 31, 2000 and shareholder approval was not required.

     7. The Plan of Merger was adopted by unanimous written consent by the Board
of Directors and the unanimous written consent of the holders of the common
stock, Class A Preferred Stock and Class B Preferred Stock of Level Jump
Financial Group, Inc., a Colorado corporation, the merging corporation, on
January 31, 2000.

     8. The shareholders of the merging corporation have waived any dissenters
rights they may have in respect of the capital stock of the merging corporation.

                                       LEVEL JUMP FINANCIAL GROUP, INC.
                                       a Florida corporation

                                          /s/  Robert Landau
                                       By: __________________________
                                          Name:  Robert Landau
                                          Title: President

                                       LEVEL JUMP FINANCIAL GROUP, INC.
                                       a Colorado corporation

                                         /s/ Brice Scheschuk
                                      By: __________________________
                                         Name:  Brice Scheschuk
                                         Title: Secretary

<PAGE>

                                 PLAN OF MERGER

                                       of

            LEVEL JUMP FINANCIAL GROUP, INC. (a Colorado corporation)

                                  with and into

            LEVEL JUMP FINANCIAL GROUP, INC. (a Florida corporation)

     Plan of Merger, dated January 31, 2000, pursuant to Sections 607.1101-1104
of the Florida 1989 Business Corporation Act, and Section 7-111-107 of the
Colorado Business Corporations Act, between Level Jump Financial Group, Inc., a
Florida corporation as the surviving corporation (hereinafter "Surviving
Corporation"), and Level Jump Financial Group, Inc., a Colorado corporation, as
the merging corporation (hereinafter "Merging Corporation").

     It is agreed:

     1. The names of the constituent corporations are:

             Level Jump Financial Group, Inc.            [Florida]
             Level Jump Financial Group, Inc.            [Colorado]

     2. The Merging Corporation shall be and hereby is merged with and into the
Surviving Corporation. The Surviving Corporation is the surviving corporation
and will be deemed to continue for all purposes whatsoever after the merger with
the Merging Corporation. The Surviving Corporation is a Florida corporation and
after the merger will continue to be governed by the laws of the State of
Florida.

     3. The Amended and Restated Articles of Incorporation and by-laws of the
Surviving Corporation, as in effect upon the effective date of the merger, will
be the certificate of incorporation and by-laws of the Surviving Corporation,
until duly amended.

     4. Upon such merger, (i) the separate corporate existence of the Merging
Corporation shall cease, (ii) the Surviving Corporation will become the owner,
without other transfer, of all rights and property of the Merging Corporation,
and (iii) the Surviving Corporation will become subject to all the liabilities,
obligations and penalties of the Merging Corporation. Without limiting any of
the foregoing, and solely for clarification, the Surviving Corporation shall
succeed to all the rights and obligations of the Merging Corporation and is
substituted therefore under (i) each of the S.86 Rollover Agreements with Robert
Landau and David Roff, (ii) each of the Voting and Exchange Agreements among
thestockpage, inc., Robert Landau and David Roff, (iii) the Support Agreement
with thestockpage, inc. and (iv) the 1999 Performance Equity Plan and the
individual award agreements issued thereunder.

     5. The manner and basis of converting the outstanding shares of the capital
stock and rights to acquire capital stock of the Merging Corporation into
capital stock and rights to acquire capital stock of the Surviving Corporation
shall be as follows:

<PAGE>

          (a) Each share of common stock, par value $.001, of the Merging
Corporation shall be canceled, and no cash or other consideration shall be paid
or delivered for the common stock of the Merging Corporation and the share
certificates representing the shares will be surrendered and canceled.

          (b)  Each share of Class A Preferred Stock, par value $.001, of the
Merging Corporation shall be exchanged for one share of Class A Preferred Stock,
par value $.0025, of the Surviving Corporation. The rights, privileges and
obligations of the Class A Preferred Stock are set forth in the Amended and
Restated Certificate of Incorporation.

          (c) Each share of Class B Preferred Stock par value $.001, of the
Merging Corporation shall be exchanged for one share of Class B Preferred Stock,
par value $.0025, of the Surviving Corporation. The rights, privileges and
obligations of the Class B Preferred Stock are set forth in the Amended and
Restated Certificate of Incorporation.

          (d) Each award of one share under the 1999 Performance Equity Plan of
the Merging Corporation shall be an award for 1.375 shares of common stock or
its equivalent of the Surviving Corporation such that the 1999 Performance Plan
will represent in aggregate 2,750,000 shares of Common Stock of the Surviving
Corporation.

          (e) Each outstanding option for the purchase of one share of common
stock, par value $.001, of the Merging Corporation shall be exercisable for
1.375 shares of common stock of the Surviving Corporation, at an exercise price
as stated in the agreement governing the grant divided by 1.375 and rounded to
the nearest whole cent, on the terms of the agreements governing the options,
until duly amended. As of the effective time and date of this Plan of Merger,
there will be options outstanding to acquire up to an aggregate of 1,581,250
shares of Common Stock of the Surviving Corporation, all of which are issued
under the 1999 Performance Plan.

     6. This Plan of Merger has been approved by the Unanimous Written Consent
of the Board of Directors of the Surviving Corporation and by the Unanimous
Written Consent of the Board of Directors and the holders of the common stock,
Class A Preferred Stock and Class B Preferred Stock of the Merging Corporation,
being all the holders of capital stock of the Merging Corporation.

     7. The directors and officers of the Surviving Corporation shall continue
until the next annual meeting of shareholders and until their successors shall
have been elected and qualified.

     8. The Board of Directors of the Surviving Corporation and the Merging
Corporation may amend the Plan of Merger at any time prior to its being filed
with one or more of the appropriate state authorities.

     9. Service of process on the Surviving Corporation in connection with any
proceeding to enforce any obligation or rights of dissenting shareholders or
based on a cause of action arising with respect to the Merging Corporation may
be sent by registered or certified mail, return receipt requested, to the
address of the Surviving Corporation's office set forth in the Articles of
Merger.

<PAGE>

     IN WITNESS WHEREOF, the parties hereto, pursuant to the corporate approval
requirements of Florida and Colorado law, have caused this Plan of Merger to be
executed by the persons indicated below, as the respective act, deed and
agreement of each of said corporations, on the 31st day of January, 2000.

                                            LEVEL JUMP FINANCIAL GROUP, INC.
                                            a Florida corporation

                                                /s/ Robert Landau
                                            By: __________________________
                                               Name:  Robert Landau
                                               Title: President

                                            LEVEL JUMP FINANCIAL GROUP, INC.
                                            a Colorado corporation

                                                /s/ Brice Scheschuk
                                            By: __________________________
                                                Name:  Brice Scheschuk
                                                Title: SecretaryEXHIBIT 10.5

                               AMENDING AGREEMENT

     THIS AGREEMENT made as of the 31st day of January, 2000,

BETWEEN:

     LEVEL JUMP FINANCIAL GROUP, INC., a corporation amalgamated under the laws
     of the State of Florida ("Level Jump- Florida"),

     - and -

     thestockpage.com inc., a corporation incorporated under the laws of the
     Province of Ontario (the "Corporation"),

     -and-

     ZDG HOLDINGS INC., a corporation incorporated under the laws of the
     Province of Ontario ("ZDG").

     WHEREAS the Articles of Merger and the Plan of Merger between
Level-Jump-Florida and Level Jump Financial Group, Inc., a corporation
incorporated under the laws of the State of Colorado ("Level Jump- Colorado")
resulted in Level Jump-Florida being the surviving corporation;

     AND WHEREAS Level Jump-Colorado, the Corporation and Robert Landau are
parties to a Voting and Exchange Agreement (the "Agreement") dated June 1, 1999;

     AND WHEREAS section 6.1 of the Agreement requires any successor to Level
Jump-Colorado to assume the rights and obligations of Level Jump-Colorado
pursuant to the Agreement;

     AND WHEREAS ZDG is now the registered holder of the Exchangeable Shares
formerly held by Robert Landau referenced in the Agreement;

     NOW THEREFORE THIS AGREEMENT WITNESSES THAT in consideration of the mutual
covenants hereinafter contained, the partes hereto covenant and agree as
follows:

     1. The Agreement be and it is hereby amended to provide that all references
to Parent in the Agreement shall refer to Level Jump-Florida.

     2. The rights and obligations of Level Jump-Colorado under the Agreement
are now the rights and obligations of Level Jump-Florida.

     3. The Agreement be and it is hereby amended to provide that all references
to Holder in the Agreement shall refer to ZDG.

     4. The rights and obligations of Robert Landau under the Agreement are now
the rights and obligations of ZDG.

     5. The Agreement be and it is hereby amended to provide that the number of
Exchangeable Shares referenced in the Agreement is 3,547,500.

<PAGE>

     6. Each party shall do such acts and shall execute such further documents
in order to give full effect to the provisions of this agreement.

     7. This agreement shall be construed and enforced in accordance with the
laws of the Province of Ontario and the laws of Canada applicable therein.

     8. The Agreement, as amended by this agreement, is hereby ratified and
confirmed.

     IN WITNESS WHEREOF, the parties hereto have caused this agreement to be
duly executed as of the date first above written.

                                       LEVEL JUMP FINANCIAL GROUP, INC.

                                       By  ________________________________
                                           Name:
                                           Title:

                                       thestockpage.com inc.

                                       By  ________________________________
                                           Name:
                                           Title:

                                       ZDG HOLDINGS INC.

                                       By  ________________________________
                                           Name:
                                           Title:

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