Document:

SEVERANCE AGREEMENT

This  Severance  Agreement  (hereinafter  "Agreement")  is made and entered into
effective as of the 12th day of January, 2001, by and between FutureOne, Inc., a
Nevada  corporation  and  its  affiliates,  subsidiaries  and  related  entities
(hereinafter  referred to as the  "Company"),  and Steven R. Green  (hereinafter
referred to as "Green").  The Company and Green shall hereinafter be referred to
collectively as the "Parties."

WHEREAS,  Green and the Company entered into an employment  position dated as of
June 01, 2000 pursuant to which the Company  agreed to retain  Green,  and Green
agreed to serve, as the Chairman of the Board of Directors of the Company.

WHEREAS,  Green  serves as Chairman of the Board of Directors of the Company and
as a member of the Company's Board of Directors.

WHEREAS,  Green wishes to resign from active employment with the Company and, in
connection  therewith,  the Company and Green wish to terminate  any  employment
with the  Company  effective  January 10, 2001  ("Separation  Date");  and Green
wishes to resign from the Board of  Directors  of the Company  effective  on the
Separation Date.

NOW,  THEREFORE,  for  and in  consideration  of the  mutual  agreements  herein
described and agreed to be performed, the Parties agree as follows:

A. CONSIDERATION PAID BY THE COMPANY TO GREEN

1.   MONETARY PAYMENTS. The Company agrees to provide Green with the payment and
     other items of valuable consideration listed below:

(a)  The Company shall pay Green $5,000 for services to be performed  during the
     month of January,  2001 for purposes of revamping  company funding proposal
     outlining new changes; and

(b)  The Company has paid to Green the $10,000 in outstanding  Board of Director
     fees owed to Green, the receipt of which is hereby acknowledged.

(c)  The Company hereby fully vests the 2,000,000  warrants  awarded to Green in
     the  Warrant  document  dated  October 1, 2000 and this  provision  of this
     Agreement shall replace and supercede any and all vesting provisions in the
     original Warrant.

B. OTHER CONSIDERATIONS

1.   The Parties hereby agree to the following considerations

(a)  The  Company  agrees to enter  into the  Non-Exclusive  Financial  Advisory
     Agreement with Green for the purposes of raising capital for the Company.

(b)  Green shall pay the Company $1,500 for the lap top computer previously sold
     to Green.
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B. MUTUAL RELEASE.

1. The Company  hereby  knowingly,  voluntarily,  and  irrevocably  releases and
discharges Green, his heirs,  personal  representatives and assigns from any and
all claims, demands,  liabilities,  judgements,  damages, expenses, or causes of
action of any kind or nature whatsoever,  arising or accruing on or prior to the
date  hereof,  which the  Company may have had or may now or  hereafter  have or
assert,  whether now known or unknown;  provided,  however, the claims which are
waived,  released and  discharged  pursuant to this Agreement do not include any
claims  related to or arising out of,  either  directly or  indirectly,  acts or
omissions  of Green  which  constitute  willful  misconduct,  fraud,  bad faith,
intentional violations of fiduciary duties, or gross negligence.

2. Green, together with his heirs, personal  representative and assigns,  hereby
knowingly, voluntarily, and irrevocably releases and discharges the Company, its
officers, directors, employees, successors and assigns, from any and all claims,
demands,  liabilities,  judgments, damages, expenses, or causes of action of any
kind or nature whatsoever  arising on or accruing on or prior to the date hereof
which Green may have had or may now or hereafter have assert,  whether now known
or unknown.

D.  COMPANY  PROPERTY & RETURN OF  PROPERTY.  Green  shall  return  all  Company
property,  including,  without  limitation,  equipment,  handbooks  or  manuals,
building  or office  access  cards,  and keys  immediately  upon  request of the
Company.  Green shall  retain and is hereby  given title to the Sony VAIO now in
his possession.

E.  PROPRIETARY  INFORMATION.   All  tangible  material  containing  Proprietary
Information,  whether  created  by Green or  others,  which  shall come into his
custody or possession, shall be and are the exclusive property of the Company to
be used by Green only in the performance of his post Agreement  services for the
Company.  All such materials or copies thereof and all tangible  property of the
Company in the custody or  possession of Green shall be delivered to the Company
on January  10,  2001.  After  such  delivery,  Green  shall not retain any such
materials or copies thereof or any such tangible  property,  except as permitted
by the Company to perform the services required of him under this Agreement.

Green  agrees that his  obligation  not to disclose  or to use  information  and
materials of the types set forth above,  and his obligation to return  materials
and  tangible  property,  set  forth  above,  also  extends  to  such  types  of
information,  materials  and  tangible  property of  customers of the Company or
suppliers  to the  Company or other  third  parties  who may have  disclosed  or
entrusted the same to the Company or to Green.

For purposes of this Agreement, "Proprietary Information" means and includes the
following:  the  identity  of  clients  or  customers  or  potential  clients or
customers of the Company or its affiliates; any written, typed or printed lists,
or other  materials  identifying  the clients or customers of the Company or its
affiliates;  any financial or other information supplied by clients or customers
of the Company or its affiliates;  any and all data or information involving the
Company, its affiliates,  programs, methods, or contacts employed by the Company
or its  affiliates  in the  conduct of their  business;  any  lists,  documents,
manuals, records, forms, or other material used by the Company or its affiliates
in the  conduct  of  their  business;  and  any  other  secret  or  confidential
information concerning the Company's or its affiliates' business or affairs. The
terms "list," "document" or other equivalents, as used in this paragraph are not
limited  to a physical  writing  or  compilation  but also  include  any and all
information whatsoever regarding the subject matter of the "list" or "document,"
whether  or not such  compilation  has been  reduced  to  writing.  "Proprietary
Information" shall not include any information which: (i) is or becomes publicly
available through no act or failure of Green; (ii) was or is rightfully  learned
by Green from a source  other than the Company  before being  received  from the
Company; or (iii) becomes independently  available to Green as a matter of right

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from a third  party.  If only a portion  of the  Proprietary  Information  is or
becomes  publicly  available,  then only that portion  shall not be  Proprietary
Information hereunder.

F. CONFIDENTIAL  MATERIAL.  In the course of Green's  employment by the Company,
Green  agrees  that he had  access  to  secret  or  confidential  technical  and
commercial  information,  business plans and strategies,  financial information,
financial  forecasts,  business  records,  information  regarding  key  business
relationships, records, data, specifications,  systems, methods, plans, designs,
policies,  inventions,  material and other knowledge ("Confidential  Material"),
whether  or  not  copyrighted,  owned  by  the  Company.  Green  recognizes  and
acknowledges that the Confidential  Material is valuable,  special and unique to
the Company's business.  All such Confidential  Material shall be and remain the
property of the  Company.  Green  hereby  affirms  that during the course of his
employment with the Company he has not disclosed any Confidential Information to
any third  party  except  in good  faith and in the  course  of  fulfilling  his
assigned  responsibilities.  Green  shall not,  directly or  indirectly,  either
during  the  term  of the  Agreement  or at any  time  thereafter,  disclose  or
disseminate  to  anyone  or  make  use  of,  for  any  purpose  whatsoever,  any
Confidential Material. Green shall not be deemed to have breached this Section F
if Green  shall be  specifically  compelled  by  lawful  order of any  judicial,
legislative,  or  administrative  authority or body to disclose any Confidential
Material  or  else  face  civil  or  criminal  penalty  or  sanction.  The  term
"Confidential  Material" does not include  information which (i) is currently or
becomes generally available to the public other than as a result of a disclosure
by Green or (ii) becomes available to Green on a  non-confidential  basis from a
source other than the Company or its  representatives  provided that such source
is not bound,  to Green's  knowledge  after due  inquiry,  by a  confidentiality
agreement with respect to such information.

G.  NON-COMPETE  - NO  COMPETITION.  Green agrees that for the period of one (1)
year commencing on the Separation Date,  unless the Company breaches one or more
of its payment  obligationsor  any provision of this  Agreement that contains an
obligation of the Company to Green,  this Agreement in which case this Section G
shall no longer be in effect, he shall not engage in, plan for,  organize,  work
for, or assist, directly or indirectly,  any business with operations in Arizona
or Colorado  that is  competitive,  directly or  indirectly,  with the Company's
business, nor solicit participants in or customers of the Company's products and
services, nor use Green's knowledge of the Company or its business in any manner
that competes, directly or indirectly,  with, or otherwise may adversely affect,
the  Company.  Green  expressly  understands  that the Company has a  legitimate
business  purpose  in  requiring  Green  to  abide  by all  of the  restrictions
described in this paragraph.  Green  acknowledges that the services he rendered,
and may render, to the Company, the information exchanged between all parties in
connection  with  rendering  those  services,  and  Green's  and  the  Company's
relationships with the Company's  customers,  consultants,  employees,  vendors,
banks,  accountants,  and any other  Company  product or  service  participants,
purchasers  and  suppliers  are each of a unique and valuable  character.  Green
acknowledges  that any competition by Green for a one (1) year period  following
the Separation Date would materially and unfairly harm the Company's  ability to
carry out its business

H. RESIGNATIONS.  Green hereby resigns as Chairman, director and employee of the
Company and its  affiliates  effective  January  10,  2001.  The Company  hereby
accepts Green's  voluntary  resignation  from employment  effective  January 10,
2001.

I.  TERMINATION  OF  EMPLOYMENT.  The  Company and Green  hereby  agree that any
employment is terminated as of the date hereof and Green agrees that the Company
has no  obligation  or  liability  thereunder  and that the  Company  has  fully
performed and fulfilled its obligations thereunder.

J. DIRECTORS' AND OFFICERS' INSURANCE;  INDEMNIFICATION.  To the extent that the
Company maintains an insurance policy or policies providing  liability insurance
for  officers  or  directors  of  the  Company  or   fiduciaries  of  any  other
corporation,  partnership,  joint venture, trust, employee benefit plan or other

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enterprise  which such person serves at the request of the Company,  the Company
shall cause Green to be covered by such  policy or policies in  accordance  with
the terms thereof to the maximum extent of the coverage  available to all of the
directors  and  officers of the Company  under such policy or  policies.  In the
event  that (i) Green is made a party to, or  threatened  to be made a party to,
any threatened or pending action, suit or proceeding brought by any third party,
whether civil, criminal,  administrative or investigative, by reason of the fact
that he was a director,  employee or agent of the Company or an affiliate of the
Company or was serving at the request of the Company as a director,  employee or
agent of any  other  corporation,  partnership,  joint  venture,  trust or other
enterprise,  and (ii) the Company  provides  indemnification  and/or defends and
holds  harmless  with respect to such action,  suit or  proceeding  to any other
person  who is or was a  director,  employee  or  agent  of  the  Company  or an
affiliate of the Company or is or was serving at the request of the Company as a
director,  employee  or  agent  of any  other  corporation,  partnership,  joint
venture, trust or other enterprise, and (iii) the indemnification and/or defense
and holding  harmless  provided to such other person is more  favorable than the
indemnification  and/or  reimbursement  of  expenses  to  which  Green  would be
entitled but for this Section J, then the Company shall provide  indemnification
and/or  reimbursement  of  expenses  (as the  case  may be) to Green in the same
amount,  at the  same  time,  and on the  same  terms  and  conditions  as  such
indemnification  and/or reimbursement of expenses are provided by the Company to
such other  person or could be provided to such other person by statute or under
the by-laws of the Company.

K. ENTIRE AGREEMENT. This Agreement constitutes the sole and entire agreement of
the  Parties  with  respect  to the  subject  matter  hereof,  and  there are no
agreements of any nature  whatsoever  between the Parties  hereto  regarding the
subject  matter hereof.  The Parties  expressly  acknowledge  and agree that any
employment,  upon execution of this Agreement, be of no further force or effect.
No provision of this Agreement shall be amended, waived or modified except by an
instrument in writing, signed by the Parties hereto.

L. ENFORCEABILITY.  This Agreement may be enforced in any jurisdiction within or
outside the United States and this  Agreement  shall  constitute a severable and
enforceable  agreement  in  each  of  such  jurisdictions,  notwithstanding  any
contrary choice of law or venue  provisions set forth herein.  In the event that
any portion of this Agreement is found to be invalid,  illegal or  unenforceable
for any reason whatsoever,  that portion shall be considered to be severable and
the remainder of this  Agreement  shall continue to be in full force and effect.
The parties shall negotiate in good faith to preserve each partner's anticipated
benefits hereunder.

M. GOVERNING LAW. This Agreement  shall be governed in all respects,  whether as
to validity,  construction,  capacity, performance, or otherwise, by the laws of
the State of Colorado, without regard to conflict of law principles. The parties
hereto  hereby  consent to  personal  jurisdiction  in any court of  appropriate
subject matter  jurisdiction in which the Company's principal executive officers
are situated.

N. REMEDIES. In the event of default or breach set forth in the above paragraphs
are  intended  to be  non-exclusive,  and either  party may, in addition to such
remedies, seek any additional remedies available either in law or in equity

O. ARBITRATION.  Any dispute or controversy  arising under or in connection with
this Agreement shall be settled by arbitration in Colorado Springs,  Colorado in
accordance with the rules of the American Arbitration Association. Judgement may
be entered on the arbitrator's award in any court having  jurisdiction over this
Agreement.  The non-prevailing  party shall pay the fees, costs, and expenses of
the arbitration proceeding (including reasonable attorneys' fees).

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P. BINDING;  ASSIGNMENT.  The  Agreement  shall be binding upon and inure to the
benefit of the successors and assigns of the parties hereto. No party hereto may
assign or transfer  its rights or delegate its duties or  obligations  hereunder
without  the  prior  written  consent  of the  other  party;  and any  document,
instrument or act for which  consent has not been obtained  purporting to effect
any such assignment, transfer or delegation shall be void.

Q.  CONSTRUCTION.  The parties agree that any rule of construction to the effect
that  ambiguities are to be resolved  against the drafting party shall not apply
in the interpretation of this Agreement or any amendments or exhibits hereto.

R.  COUNTERPARTS.  This Agreement may be executed in any number of counterparts,
and  each  such  counterpart  will be  deemed  to be an  original,  and all such
counterparts shall constitute one and the same instrument.

IN WITNESS WHEREOF,  the parties hereto have executed this Agreement on the date
get forth below.

DATED as of the 12th day of January, 2001

FUTUREONE, INC. (A NEVADA CORPORATION)

By: /s/ Donald D. Cannella
    ----------------------------------
    Donald D. Cannella - President/CEO

STEVEN R. GREEN

/s/ Steven R. Green
--------------------------------------

Notary Public

State of Colorado             )
County of El Paso             )

Sworn and subscribed to me this ____ day of ________ 2001 by Donald D. Cannella,
Executive  Vice  President of FutureOne,  Inc.  known to me to be the individual
subscribed  by said  name in and  who  executed  the  foregoing  instrument  and
acknowledged  that they  executed  same for the uses and  purposes  therein  set
forth.

________________________________              My Commission Expires ____________
Notary Public

State of ____________         )
County of ____________        )

Sworn and subscribed to me this ____ day of ________ 2001 by Steven R. Green and
known to me to be the individual subscribed by said name in and who executed the
foregoing  instrument and acknowledged  that they executed same for the uses and
purposes therein set forth.

________________________________              My Commission Expires ____________

                                        5FINANCIAL ADVISORY AGREEMENT

This Financial  Advisory Agreement (the "Agreement") is made on this 10th day of
January,  2001, by and between Steven R. Green a sole  proprietor with an office
located at 1800 Glenview  Road,  Glenview,  Illinois (the  "Advisor") and Future
One, Inc., a Nevada corporation (the "Client").

In  consideration  of the mutual  covenants  and  agreements  contained  in this
Agreement, the parties hereto agree as follows:

1. SERVICES OF ADVISOR. Client engages Advisor to provide, and Advisor agrees to
provide executive consulting and financial advisory services on behalf of Client
as follows:  Contacting  sources such as  broker/dealers,  potential  investors,
registered  representatives,  institutions,  mutual  fund  managers,  investment
banking sources, securities analysts,  independent portfolio managers, and other
professional  investment community contacts, for the purpose of meeting Client's
capital requirements.  Advisor will also coordinate and assist in the filing and
preparing of the documents  necessary for capital  raising,  by working with the
bankers,  and other advisors of Client.  Advisor will also assist the company in
obtaining  strategic  alliances  and  acquisitions,  assist in the  analysis  of
company assets for dispositions or other financial  transactions,  and generally
assist the Chairman and CEO in the strategic direction of the Client.

2.  COMPENSATION.  In  consideration of Advisor's  services,  Client will pay as
follows:

     a.   A seven percent (7%)  completion fee in cash for equity capital raised
          or the value of common stock in a merger for the Client.  Such amounts
          shall be  payable  when the Client  receives  cash  proceeds  from the
          transaction.

     b.   If Advisor actively and materially participates in assisting Client in
          obtaining  financing in the form of loans,  debt financing or sales of
          major  assets,  the Advisor shall be  compensated,  in cash, an amount
          equal  to  three   percent  (3%)  of  the  total   transaction   value
          consideration  received  by the Client  from such  transactions.  Such
          amounts  shall be payable when the Client  receives cash proceeds from
          the transaction.

     c.   Client  shall  reimburse  Advisor  for direct  out of pocket  expenses
          reasonably  incurred in connection with this Agreement which have been
          approved by the Client prior to incurring such expense.

3. INDEPENDENT  CONTRACTOR.  Advisor is an independent  contractor in the making
and the performance of this Agreement and is not, and shall not, be construed to
be an employee, agent, partner or servant of Client. Advisor shall be liable for
all  taxes of any kind  levied on any  income  derived  by  Advisor  under  this
Agreement.
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Advisor is acting  only in a advisory  capacity  and not as an agent for Client.
Advisor  shall have no authority  to bind Client or to  represent  Client in any
capacity other than as expressly agreed to by Client. Advisor shall not make any
representations  or  disseminate  any  information  about  Client  that  is  not
contained in public disclosures or expressly approved by Client.

4.  TERM.  This  Agreement  has a term of 12 months.  Termination  of Advisor by
Client shall still entitle  Client to  compensation  as specified  above for any
potential  investors  he has  introduced  for a period of 24 months from date of
termination or expiration of this Agreement.

5. TERMINATION. This Agreement may be terminated as follows:

     a.   EXPIRATION OF THIS AGREEMENT WITHOUT RENEWAL OR PENALTY. By expiration
          of the term of this Agreement without renewal.

     b.   TOTAL DISABILITY OR DEATH. For the purpose of this Agreement, the term
          "total  disability"  means  Advisor's  inability,  because  of serious
          physical and/or mental injury,  illness or impairment to namely Steven
          R. Green or the death of Steven R. Green.

     c.   ADVISOR  NOTICE.  At the  election  of Advisor  upon  thirty (30) days
          written notice to Client.

     d.   CLIENT  NOTICE AND  PENALTY.  If at any time  Client  gives  notice of
          termination to Advisor without cause or as a decision to cease efforts
          of Advisor on behalf of client for limited reasoning or at the opinion
          of Advisor non-substantive  rationale to cease the efforts of Advisor,
          Client will pay a fee of $10,000 to Advisor.

     e.   WITH CAUSE.  This  Agreement may be  terminated  for cause at any time
          upon five (5) days written  notice.  For the purpose of this Agreement
          "for  cause"  is  defined  to  include,  but  not  be  limited  to the
          following:  intentional  or  unintentional  acts by Advisor having the
          effect  or  causing  significant  harm to the  business  interests  of
          Client;  but to the extent that such acts are curable,  Advisor  shall
          have  five (5)  business  days  following  receipt  of  notice of said
          material  breach to cure such  breach.  Any  notice to  Advisor  shall
          specify the facts and  circumstances  claimed to provide the basis for
          such termination.

6.   OTHER  CLIENTS.  It is  understood  and  agreed  that this  Agreement  is a
     non-exclusive  agreement  between  Client and Advisor,  and that nothing in
     this Agreement shall prevent  Advisor from providing  services to any other
     client in any  industry.  However  Advisor  agrees to devote  such time and
     effort to performing services for Client as are reasonable and necessary to
     meet clients requirements.

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7.   PROPRIETARY INFORMATION.  Advisor shall treat as information proprietary to
     Client any and all data and/or information  discovered and/or disclosed and
     shall not (directly or indirectly) use any such information and/or data for
     their own benefit or  disclose  or fail to use its best  efforts to prevent
     the disclosure of the same to any other person or entity for any purpose or
     reason  whatsoever,  during  the  term of  this  Agreement  or at any  time
     thereafter.

8.   PROPRIETARY  INFORMATION DEFINED.  Proprietary  information includes but is
     not  limited  to unique  concepts,  products,  services,  company/corporate
     strategy  and  business  development,  including  plans  relating  to  this
     acquisition,  expansion,  marketing,  financials,  client  lists  and other
     business  information,   operating  information,  policies,  practices  and
     processes,   database  and  networking  systems,  information  relating  to
     employees,  customers,  prospective  customers and suppliers,  whether such
     information is documented, contained electronically and/or contained on any
     other medium.

9.   CONFIDENTIALITY.  Advisor  stipulates  that  he  shall  keep  any  and  all
     Proprietary Information obtained,  during the term of this Agreement or any
     time thereafter, in the strictest of confidence and secrecy.

10.  NON-DISCLOSURE.  Advisor  stipulates  that he shall not, during the term of
     this  Agreement  or  any  time  thereafter,  in any  way  or by any  means,
     disclose, disseminate and /or distribute any Proprietary Information to any
     third party without the prior express written consent of the Client.

11.  NON-CIRCUMVENTION.  Advisor stipulates that they shall not, during the term
     of this  Agreement  or any  time  thereafter,  in any  way or by any  means
     implement and /or use any  Proprietary  Information,  circumvent,  usurp an
     opportunity,  take advantage of and/or benefit from,  through the exclusion
     of Client, any Proprietary Information obtained.

12.  LIMITATION OF LIABILITY.  To the extent permitted by law, neither Client or
     Advisor,  nor any of their  officers,  shareholders,  employees,  insurers,
     attorneys, agents, permitted successors or assigns, shall be liable to each
     other for any  amount in excess of the fees paid  hereunder.  To the extent
     permitted  by law,  in no event will  Client or  Advisor,  their  officers,
     directors, shareholders,  employees, insurers, attorneys, agents, permitted
     successors  or  assigns,  be held  liable for any  interruption  or loss of
     business,  any  loss of  profit  or any  other  special,  consequential  or
     punitive  damages,  losses  or  expenses  of  any  kind  arising  from  the
     performance of this Agreement,  whether or not either party was notified of
     the possibility of such damages.

13.  INDEMNITY  OF ADVISOR.  The Client will  defend,  indemnify,  save and hold
     harmless Advisor from any and all claims,  demands,  liabilities,  costs or
     expenses  including  reasonable  attorney's  fees  resulting  from services
     provided hereunder,  including loss of business or profit. The Advisor will
     not have the  right  to be  indemnified  for his own  gross  negligence  or
     willful misconduct.

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<PAGE>
14.  INDEMNITY  OF CLIENT.  The Advisor will  defend,  indemnify,  save and hold
     harmless  Client from any and all claims,  demands,  liabilities,  costs or
     expenses  including  reasonable  attorney's  fees  resulting  from Advisors
     services  provided  hereunder,  including  loss of business or profit.  The
     Client  will  not  have  the  right  to be  indemnified  for his own  gross
     negligence or willful misconduct.

15.  NO BROKER-DEALER. Client is not a broker/dealer registered with the NASD or
     any other regulatory  agency. In performing  services under this agreement,
     the parties do not intend that Advisor will be acting in any  broker/dealer
     or  underwriting  capacity,  or receiving any  compensation  from Client as
     such.  Advisor is acting in the capacity as a Financial  Advisor and is not
     responsible  for the negotiation of the financial terms between the parties
     or will not be responsible for the handling of any of the monies.

16.  WAIVER.  A Party's  failure to insist on compliance or  enforcement  of any
     provision of this Agreement shall not effect the validity or enforceability
     or constitute a waiver of future enforcement of that provision or any other
     provision of this Agreement by that Party or any other party.

17.  LAW,  JURISDICTION  AND VENUE.  This  Agreement  shall in all  respects  be
     exclusively subject to, and governed by, the laws of the state of Colorado.
     Exclusive venue and  jurisdiction  for any and all disputes shall lie in El
     Paso  County,  Colorado.  The  Parties  hereto  stipulate  that any dispute
     arising out of this Agreement shall be submitted to binding  arbitration in
     Colorado pursuant to the arbitration rules and regulations,  as codified in
     the Colorado Revised Statutes.

18.  VALIDITY.  The  invalidity  or  unenforceability  of any  provision in this
     Agreement shall not in any way effect the validity or enforceability of any
     other provision and this Agreement shall be construed in all respects as if
     such invalid or unenforceable provision had never been in this Agreement.

19.  NOTICE.  All notices and other  communications  provided  for or  permitted
     hereunder shall be made by hand delivery,  overnight courier,  certified or
     registered  mail,  postage prepaid and return receipt  requested,  telex or
     facsimile transmission.

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<PAGE>
     If to Client                            If to Advisor
     ------------                            -------------
     1880 Office Club Pointe Suite #2000     1800 Glenview Road
     Colorado Springs, Colorado 80920        Glenview, Illinois 60025
     Fax: (719) 272-8222                     Fax: (847) 729-2296

     All such notices shall be deemed to have been duly given:

     when delivered, by hand if personally delivered; and
     the next day, after being sent by overnight courier; and
     when received, if by mail;
     and when received (as electronically acknowledged), if by facsimile
     transmission.

20.  AMENDMENTS. This Agreement may be amended, at any time, only by the written
     mutual consent of the Parties hereto, with any such Amendment to be invalid
     unless it is both written and signed by both Parties.

21.  LEGAL FEES AND COSTS.  The Parties  hereby  stipulate and agree that in the
     event  that  a  dispute  arises  between  the  Parties,  relating  to  this
     Agreement,  and one or both of the  Parties  deem it  necessary  to hire an
     attorney  to protect  its rights  and/or  resolve  said  dispute,  then the
     prevailing Party, in any action,  shall be entitled to recover and collect,
     from the  non-prevailing  Party,  all reasonable  attorney's fees and costs
     incurred.

22.  ENTIRE  AGREEMENT.   This  Agreement  contains  the  entire  agreement  and
     understanding by and between the Parties and no representations,  promises,
     agreements  and/or  understandings,  written  or  oral,  relating  to  this
     Agreement  by either  Party not  contained  herein shall be of any force or
     effect.

This  Agreement is the exclusive  Agreement  between the parties with respect to
its subject  matter  and, as of its  effective  date,  supersedes  all prior and
contemporaneous agreements, negotiations, representations and proposals, written
or oral, related to its subject matter.  The parties  acknowledge that they have
read  this  Agreement  and  understand  and  agree to be bound by its  terms and
conditions.

CLIENT                                  ADVISOR
FutureOne, Inc                          Steven R. Green

/s/ Donald Cannella                     /s/ Steven R. Green
--------------------------------        ----------------------------------
By: Donald Cannella                     By: Steven R. Green
Its: President                          Its: Sole Proprietor

                                        5

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