Document:

<PAGE>
EXHIBIT 10.4

                                SHAREHOLDER AGREEMENT
                                ---------------------

      THIS AGREEMENT made the 5th day of January 2006.

BETWEEN:

      INNOVATIVE LOYALTY SOLUTIONS INC. a corporation incorporated under the
      laws of the Province of Ontario

      ("ILS")

      - And -

      CONSORTEUM INC., a corporation incorporated under the laws of the Province
      of Ontario

      ("CONSORTIUM")

      -And -

      WILLIAM BATEMAN and MICHAEL PRASSE

      (collectively the "SHAREHOLDERS")

BACKGROUND

      Each of ILS and Consorteum wish to set out the desired terms and
conditions governing the operation of a joint venture to supply a loyalty card
program called My Golf Rewards (the "Program") to the golf industry.

      The parties have caused a company to be incorporated in Ontario under the
name My Golf Rewards Inc. ("MGR").

      This agreement amongst shareholders will outline the management
responsibilities and ownership percentage amongst the shareholders of MGR,

      NOW THEREFORE, in consideration of the premises, the mutual covenants
contained in this Agreement and other consideration (the receipt and sufficiency
of which are acknowledged), the parties agree as follows:

<PAGE>

                                      -2-

                                    ARTICLE I
                                 AGREEMENT TERMS

1.1 AGREEMENT. Each party acknowledges and agrees that the terms, conditions,
rights and obligations in respect of the operation of MGR shall be governed by
this Agreement.

1.2 INITIAL INVESTMENT. The parties acknowledge that Consorteum has provided
access to an initial investment to MGR of up to $250,000 commencing on or before
February 1, 2007.

1.3 LICENCE. From such funds, MGR has acquired a Fidelisoft licence to use and
exploit the software and other intellectual property necessary for MGR to carry
on the Program and its business.

1.4 ADDITIONAL ONGOING FUNDS. It is agreed that additional investments may be
required on an ongoing basis for operational and marketing costs of the Program.
Consorteum at its discretion may source funding for MGR from additional
investors or parties at any time. The parties acknowledge and agree that such
may result in dilution of their respective share ownership positions.

1.5 SHAREHOLDER INTEREST. As the major investor in MGR, Consorteum holds a 49%
ownership stake, ILS holds a 25% ownership stake and each of the Shareholders
holds a 13% ownership stake in MGR.

1.6 REVENUE AND PROFIT SHARE POSITION. The Shareholders waive their right to
receive dividends paid out of the MGR program until Consorteum has received
repayment of funds advanced to MGR by it. Once Consorteum's debt has been repaid
in full and ongoing MGR operational costs are covered out of gross revenues, all
parties will share in net profits based on their respective share ownership
percentages. At that time, ILS and the Shareholders will be responsible for all
of the costs of the program in relation to respective percentage ownership.

1.7 EQUITY PURCHASE. Consorteum and the Shareholders will offer ILS the option
to purchase up to an additional 24% equity stake in MGR. ILS may purchase this
equity at anytime up until December 31, 2013 based on the following terms.

      1.    ILS will pay 50% of the market value of the additional equity
            acquired; provided that the minimum price will be the amount of
            Consorteum's initial investment into the program, plus 50% of such
            amount

      2.    Consorteum and the Shareholders will transfer equity to ILS pro rata
            to their respective shareholdings.

<PAGE>

                                      -3-

1.8 DISCLOSURE OF EXPENDITURE. It is agreed that all expenditures connected to
the development of the Program be fully disclosed, recognised and agreed upon by
Consorteum prior to payment or approval to funding. This includes all
expenditures to date relating to the program, and all future expenditure.

1.9 BOARD REPRESENTATION. All parties will vote their shares in MGR to ensure
that ILS will be entitled to have two nominees on the board, Consortium will be
entitled to have two nominees on the board and the Shareholders will be entitled
to have one nominee on the board. of directors of MGR.

                                    ARTICLE 2
                         REPRESENTATIONS AND WARRANTIES

2.1 ILS WARRANTIES. ILS represents and warrants to Consorteum as follows
(acknowledging that Consorteum is relying on the representations and warranties
of ILS contained in this Agreement and any agreement, certificates or other
document delivered by ILS pursuant hereto in connection with this Agreement):

      (a)   ILS has the capacity and authority and has taken all necessary
            action to enter into, execute and deliver this Agreement;

      (b)   This Agreement constitutes and the agreements and other instruments
            contemplated herein when executed will constitute valid and binding
            obligations of ILS enforceable in accordance with the terms hereof
            and thereof subject, however, to limitations with respect to
            enforcement imposed in connection with laws affecting the rights of
            creditors generally including, without limitation, applicable
            bankruptcy, insolvency, moratorium, reorganization or similar laws
            and to the extent that equitable remedies such as specific
            performance and injunction are in the discretion of the court from
            which they are sought; and

      (c)   No consent, licence, approval, order or authorization of or
            registration, filing or declaration with any governmental authority
            that has not been obtained or made by ILS and no consent of any
            third party is required to be obtained by ILS in connection with the
            execution, delivery and performance by ILS of this Agreement or the
            consummation of the transactions contemplated by the Program.

2.2 CONSORTEUM WARRANTIES. Consorteum represents and warrants to ILS as follows
(acknowledging that ILS is relying on the representations and warranties of
Consorteum contained in this Agreement and any agreement, certificates or other
document delivered by Consorteum pursuant hereto in connection with this
Agreement):

      (a)   Consorteum has the capacity and authority and has taken all
            necessary action to enter into, execute and deliver this Agreement;

      (b)   This Agreement constitutes and the agreements and other instruments
            contemplated herein when executed will constitute valid and binding
            obligations

<PAGE>

                                      -4-

            of Consorteum enforceable in accordance with the terms hereof and
            thereof subject, however, to limitations with respect to enforcement
            imposed in connection with laws affecting the rights of creditors
            generally including, without limitation, applicable bankruptcy,
            insolvency, moratorium reoganization or similar laws and to the
            extent that equitable remedies such as specific performance and
            injunction are in the discretion of the court from which they are
            sought; and

      (c)   No consent, licence, approval, order or authorization of, or
            registration, filing or declaration with any governmental authority
            that has not been obtained or made by Consorteum and no consent of
            any third party is required to be obtained by Consorteum in
            connection with the execution, delivery and performance by
            Consorteum of this Agreement or the consummation of the transactions
            contemplated by the Program.

2.3 SURVIVAL OF REPRESENTATIONS AND WARRANTIES. The representations and
warranties of ILS and Consorteum contained in this Agreement and contained in
any document or certificate given pursuant to this Agreement shall continue for
an indefinite period.

                                    ARTICLE 3
                                     GENERAL

3.1 TIME. Time shall be of the essence of this Agreement and of every part
hereof and no extension or variation of this Agreement shall operate as a waiver
of this provision.

3.2 NOTICES. All communications which may be or are required to be given by
either party to the other herein, shall (in the absence of any specific
provision to the contrary) be in writing and delivered or sent by prepaid
registered mail or fax to the parties at their following respective addresses:

     For: Consorteum Inc.
     --------------------

     Consorteum Inc.
     12-351 Steelcase Rd West,
     Markham
     Ontario
     L3R 4H9

     Attn: Mr. Quent Rickerby
     Facsimile: 1-866-824-8854

     For: Innovative Loyalty Solutions Inc.
     --------------------------------------

     Innovative Loyalty Solutions Inc.
     147 Citation Drive, Unit 30
     Concord, ON

<PAGE>

                                       -5-

     Att: Mr. Bill Mathews
     Facsimile:

     For: the Shareholders
     ---------------------

     C/O William Bateman
     Suite 550, 141 Adelaide Street West, Toronto, Ontario

And if any such communication is sent by prepaid registered mail, it shall,
subject to the following sentence, be conclusively deemed to have been received
on the third business day following the mailing thereof and, if delivered or
faxed, it shall be conclusively deemed to have been received at the time of
delivery or transmission. Notwithstanding the foregoing provisions with respect
to mailing, in the event that it may be reasonably anticipated that, due to any
strike, lockout or similar event involving an in postal service, any payment
or communication will not be received by the addressee by no later than the
third (3rd) business day following the mailing thereof then the mailing of any
such payment or communication as aforesaid shall not be an effective means of
sending the same but rather any payment or communication must then be sent by an
alternative means of transportation which it may reasonably be anticipated will
cause the payment or communication to be received reasonably expeditiously by
the addressee. Either party may from time to time change its address herein
before set forth by notice to the other of them in accordance with this section.

3.3 GOVERNING LAW. This Agreement and the rights and obligations and relations
of the parties hereto shall be governed by and construed in accordance with the
laws of the Province of Ontario and the federal laws of Canada applicable
therein (but without giving consideration to any conflict of laws rules). The
parties hereto agree that the Courts of Ontario shall have jurisdiction to
entertain any action or other legal proceedings based on any provisions of this
Agreement Each party hereto does hereby astern to the jurisdiction of the Courts
of the Province of Ontario.

3.4 HEADING. The headings in this Agreement and in the Schedules hereto are
inserted solely for convenience of reference and do not affect the
interpretation thereof or define, limit or commit the contents of any provision
of this Agreement.

3.5 ASSIGNMENT AND ENSUREMENT. Neither this Agreement nor any rights or
obligations hereunder shall be assignable by any party hereto without the prior
written consent of each of the other parties, which consent may be unreasonably
withheld. Subject thereto, this Agreement shall ensure to the benefit of and be
binding upon the parties hereto and their respective successors (including any
successor by reason of amalgamation of any party hereto), heirs and permitted
assigns.

3.6 ENTIRE AGREEMENT. With respect to the subject matter of this Agreement, this
Agreement (a) sets forth the entire agreement between the parties hereto and any
persona who

<PAGE>

                                      -6-

have in the past or who are now representing either of the parties hereto, (b)
supersedes all prior understandings and communications between the parties
hereto or any of them, oral or written, and (c) constitutes the entire agreement
between the parties hereto. Each party hereto acknowledges and represents that
this Agreement is entered into after full investigation and that no party is
relying upon any statement or representation made by any other which is not
embodied in this Agreement Each party hereto acknowledges that he or it shall
have no right to rely upon any amendment, praise, modification, statement or
representation made or occurring subsequent to the execution of this Agreement
unless the same is in writing and executed by each of the parties hereto. This
Agreement is not intended to settle any obligations or disputes between the
parties, and therefore all claims are preserved.

3.7 FURTHER ASSURANCES. The parties hereto shall with reasonable diligence do
all such things and provide all such reasonable assurances as may be required to
consummate the transactions contemplated hereby, and each party hereto shall
provide such further documents or instruments required by the other party as may
be reasonably necessary or desirable to effect the purpose of this Agreement and
carry out its provisions.

3.8 WAIVER. The failure of any party to this Agreement to enforce at any time
any of the provisions of this Agreement or any of its rights in respect thereto
or to insist upon strict adherence to any term of this Agreement will not be
considered to be a waiver of such provision, right or term or in any way to
affect act the validity of this Agreement or deprive the applicable party of the
right thereafter to insist upon strict adherence to that term or any other term
of this Agreement. The exercise by any party to this Agreement of any of its
rights provided by this Agreement will not preclude or prejudice such party from
exercising any other right it may have by reason of this Agreement or otherwise,
irrespective of any previous action or proceeding taken by it hereunder. Any
waiver by any party hereto of the performance of any of the provisions of this
Agreement will be effective only if in writing and signed by a duly authorized
representative of such party.

3.9 NUMBER. In this Agreement and unless the context otherwise requires, words
importing the singular number only shall include the plural and vice versa,
words importing the masculine and feminine genders and vice versa and words
importing persons shall include individuals, partnerships, associations, trusts,
unincorporated organizations and corporations and vice versa.

3.10 COUNTERPARTS. - This Agreement may be executed in any number of
counterparts and all such counterparts shall for all purposes constitute one
agreement, binding on the parties hereto, provided each party hereto has
executed at least one counterpart, and each shall be deemed to be an original,
notwithstanding that all parties are not signatory to the same counterpart.

This contract will supersede all previous agreement written or oral.

     DATED the 5th day of January, 2006

<PAGE>

                                       -7-

                                             INNOVATIVE LOYALTY SOLUTIONS

                                             Per: /s/ William Mathews
                                                  ------------------------------
                                                  William Mathews

                                             CONSORTEUM, INC.

                                             Per: /s/ Quent Rickerby
                                                  ------------------------------
                                                  Quent Rickerby

                                                  /s/ William Bateman
                                                  ------------------------------
                                                  William Bateman

                                                  /s/ Michael Prasse
                                                  ------------------------------
                                                  Michael Prasse<PAGE>

EXHIBIT 10.5

                          MANAGEMENT SERVICES AGREEMENT

         THIS AGREEMENT made as of the 5th day of April, 2006 "Effective Date").

BETWEEN:

         CONSORTEUM INC.

         (hereinafter referred to as the "Consultant")

                                                               OF THE FIRST PART

                                    - and -

         FP FINANCIAL LTD.

         (hereinafter referred to as the "Corporation")

                                                              OF THE SECOND PART

         WHEREAS the Corporation desires to obtain and apply the expertise of
the Consultant to the Corporation's business.

         NOW THEREFORE THIS AGREEMENT WITNESSES that for good and valuable
consideration (the receipt and sufficiency of which are hereby acknowledged by
each of the parties hereto) the parties make the agreements and acknowledgements
hereinafter set forth:

         1. CONSULTING SERVICES - The Corporation hereby retains the services of
the Consultant and the Consultant hereby agrees to provide the consulting
services which are described in Schedule "A" in accordance with the provisions
set out in Schedule "A" (the "Services"). The Corporation hereby agrees the
Consultant will be the Corporation's sole and exclusive financial products and
services provider as set forth in Schedule "A". The Consultant shall not be
required to provide any services to the Corporation except as set forth in
Schedule "A". The Consultant will provide all Services to the Corporation at the
Consultant's net cost for the term of the contract.

         2. TERM - This Agreement shall commence on the Effective Date with an
initial term of four years and will be automatically renewed for successive two
year terms thereafter unless the parties elect not to renew his Agreement in
accordance with Section 8.

<PAGE>

                                       2

         3. NON-EXCLUSIVITY OF SERVICES -- The Corporation acknowledges that the
Consultant may be retained as a consultant by other persons. The Consultant may
continue to provide services to other persons and may accept new retainers for
services. The Consultant may, in the performance of the Services, provide the
services of one or more of its employees or representatives, and the identities
of such employees or representatives shall be in the discretion of the
Consultant. The manner and the times at which the Consultant performs the
Services shall be within the discretion of the Consultant.

         4. COMPENSATION -- The Corporation shall pay to the Consultant an
initial management fee of $5,000.00 payable upon execution of this Agreement.
Thereafter, the Corporation shall pay to the Consultant a monthly management fee
of $5,000.00 on the 15th day of each month until the launch of the FP Financial
benefits card (the "Benefits Card"). Following the launch of the Benefits Card,
the Consultant will receive twenty percent (20%) of all gross profits from all
current and future services provided by the Consultant for the term of the
contract and any renewal terms. The Consultant shall be entitled to send an
invoice to the Corporation for the Consultant's fees for each month which shall
be payable within 10 days after the date on which such invoice is received by
the Corporation. The Corporation shall pay all applicable taxes such as GST upon
the Consultant's fees.

         5. REIMBURSEMENT -- The Corporation agrees to reimburse the Consultant
for all reasonable and necessary expenses incurred in the performance of its
services under this Agreement provided that the Consultant shall substantiate
its expenses by furnishing to the Corporation reasonable evidence relating to
expenses for which the Consultant seeks reimbursement.

         6. COMPLIANCE WITH LAWS - The Consultant shall in the performance of
this Agreement comply with all laws, regulations and orders of the federal laws
of Canada and of the Province of Ontario.

         7. INDEPENDENT CONTRACTOR - The Consultant shall provide the Services
to the Corporation as an independent contractor and not as an employee of the
Corporation and acknowledges that an employer-employee relationship is not
created by this Agreement.

         8. TERMINATION --

                  (a)      A party may terminate this Agreement effective
                           immediately upon notice to the other party in the
                           event that the other party is in breach of any of the
                           terms or conditions of this Agreement which breach is
                           material and has not been cured in all material
                           respects within 30 days after receipt of written
                           notice which provides details of the breach. The
                           parties acknowledge and agree that a breach of this
                           Agreement by the Consultant is material if it
                           detrimentally and materially affects the business of
                           the Corporation taken as a whole.

                  (b)      A party may terminate this Agreement effective
                           immediately upon notice to the other party in the
                           event that the other party becomes insolvent or 3
                           voluntarily or involuntarily bankrupt, or makes an
                           assignment for the benefit of its creditors.

<PAGE>

                                       3

                  (c)      In the event of termination, by the Consultant under
                           the provisions of paragraph (a) or (b) above, or in
                           the event of wrongful termination of this Agreement
                           by the Corporation, the Corporation shall pay to the
                           Consultant, all amounts then owing under this
                           Agreement.

         9.LEGAL RISK MANAGEMENT -- The following legal risk management
provisions will apply for all purposes under and relating to this Agreement:

                  (a)      the obligations of the Consultant expressly stated in
                           this Agreement are in lieu of all other
                           representations, warranties or conditions expressed
                           or implied including implied representations,
                           warranties or conditions arising by statute or
                           otherwise in law, or from a course of dealing or
                           usage of trade;

                  (b)      neither party shall have any liability whatsoever for
                           any special or consequential damages, loss of profits
                           or other economic loss of the other party; this
                           limitation shall not apply to any obligation by a
                           party to pay any fees or other amounts expressly
                           required under this Agreement.

         10. TIME OF ESSENCE -- Time of payment is of the essence.

         11. REPRESENTATIONS AND WARRANTIES - Each party represents, warrants
and covenants to the other party as follows:

                  (a)      Each party is duly organized, validly existing and no
                           action relating to insolvency, liquidation or
                           suspension of payments has, to the knowledge of such
                           party, been taken in respect of it.

                  (b)      The execution, delivery and performance of this
                           Agreement by each party has been duly authorized by
                           all necessary action on the part of such party in
                           accordance with such party's constating documents and
                           does not and will not require the prior written
                           consent of any trustee or holder of any indebtedness
                           or other obligation of such party or any other party
                           to any other agreement with such party.

         12.ENTIRE AGREEMENT - With respect to the subject matter of this
Agreement, this Agreement: (a) sets forth the entire agreement between the
parties hereto and any persons who have in the past or who are now representing
either of the parties hereto, (b) supersedes all prior understandings and
communications between the parties hereto, oral or written, and (c) constitutes
the entire agreement between the parties hereto. Each party hereto acknowledges
and represents that this Agreement is entered into after full investigation and
that no party is relying upon any statement or representation made by any other
which is not embodied in this Agreement. Each party hereto acknowledges that no
liability whatsoever shall arise based in contract or tort, with respect to
misrepresentations of any kind, including but not limited to, statements or
representations negligently made by any persons who have in the past or who are

<PAGE>

now representing either of the parties hereto, in order to induce either party
into entering into this agreement. Each party hereto acknowledges that he or it
shall have no right to rely upon any amendment, promise, modification, statement
or representation made or occurring subsequent to the execution of this
agreement unless the same is in writing and executed by each of the parties
hereto.

<PAGE>

                                       4

         13. COUNTERPARTS - This Agreement may be executed in any number of
counterparts and all such counterparts shall for all purposes constitute one
agreement, binding on the parties hereto, provided each party hereto has
executed at least one counterpart, and each shall be deemed to be an original,
notwithstanding that all parties are not signatory to the same counterpart. This
Agreement may be executed and delivered by either of the parties by transmitting
to the other a copy of this Agreement (executed by such delivering Party) by
telecopier or similar means of electronic communication, and delivery in that
manner by a party shall be binding upon such party and deemed to be an original.

         14. ASSIGNMENT AND ENUREMENT - This Agreement shall enure to the
benefit of and be binding upon the parties and their respective successors and
permitted assigns.

         15. SURVIVAL - Any terms or conditions of this Agreement by which
obligations of either party are applicable or which extend or may extend beyond
expiration or termination of this Agreement (whether expressly or by
implication) shall survive and continue in full force and effect notwithstanding
such termination. All obligations to pay fees under this Agreement shall survive
expiration or termination of this Agreement.

         16. GOVERNING LAW - This Agreement and the rights and obligations and
relations of the parties hereto shall be governed by and construed in accordance
with the laws of the Province of Ontario and the federal laws of Canada
applicable therein (but without giving effect to any conflict of laws rules).
The parties hereto agree that the Courts of Ontario shall have jurisdiction to
entertain any action or other legal proceedings based on any provisions of this
Agreement. Each party hereto does hereby attorn to the jurisdiction of the
Courts of the Province of Ontario.

         17. PARTIAL INVALIDITY, - In any provision of this Agreement or the
application thereof to any person or circumstance shall, to any extent, be
invalid or unenforceable, the remainder of this Agreement, or the application of
such provision to persons or circumstances other than those as to which it is
held invalid or unenforceable, shall not be affected thereby and each provision
of this Agreement shall be valid and enforced to the fullest extent permitted by
law and be independent of every other provision of this Agreement.

         18. FURTHER ASSURANCES - Each party hereto agrees from time to time,
subsequent to the date hereof, to execute and deliver or cause to be executed
and delivered to the other of them such instruments or further assurances as
may, in the reasonable opinion of the other of them, be necessary or desirable
to give effect to the provisions of this Agreement.

         19. CONFIDENTIALITY --

                  (a)      Each party hereby undertakes to keep confidential and
                           shall cause all of employees, and agents to keep
                           confidential, the confidential information of the
                           other party disclosed hereunder, except as may be
                           explicitly approved by the other party in writing, or
<PAGE>

                                       5

                           as may be necessary for the proper discharge by the
                           first party of its duties, responsibilities and
                           obligations under this Agreement. The obligations of
                           confidentiality and restricted use herein will not
                           apply to the confidential information of the
                           disclosing party that is already known to the
                           receiving party, in the public domain, or enters the
                           public domain through no breach of this Agreement by
                           the receiving party.

                  (b)      Notwithstanding the provisions of Section 19(a), a
                           party shall be entitled to the extent necessary for
                           the performance of its duties hereunder to allow
                           access to the information covered by Section 19(a)
                           above exclusively to such of its employees, and
                           consultants who are directly concerned with the
                           carrying out of such party's duties under this
                           Agreement; provided that such party shall inform each
                           of such persons of the confidential nature of such
                           information and of such party's obligation of
                           confidentiality with respect to it, and such party
                           shall be responsible for any breach of such
                           obligations by any of its employees, or consultants.

                  (c)      If required to provide any information subject to
                           this Section 19 pursuant to any subpoena or any other
                           equivalent legal process, a party shall promptly
                           notify the other party so that such other party can
                           seek a protective order from the court having
                           jurisdiction in such matter or otherwise seek to
                           prevent or limit the scope of, or impose conditions
                           upon, such disclosure.

                  (d)      All public announcements of a material business
                           nature related to the business of either party shall,
                           if they are to be made, be subject to prior written
                           notice to THE other party.

         20.EXECUTION AND DELIVERY - This Agreement has been duly executed and
delivered by each party. This Agreement constitutes the legal, valid, binding
and enforceable obligation of such party.

         2 1 .LANGUAGE - At the request of the parties, this agreement has been
drafted in the English language. A la demande des parties, la presente
convention a ete redigee en anglais.

         22. SECTION HEADINGS - Section headings appearing in this Agreement are
inserted for convenience or reference only, and shall in no way be construed to
be interpretations of text.

         23. AMENDMENTS - This Agreement may be modified or amended only by the
duly authorized representatives of both parties by an instrument in writing.

         24. NOTICE TO BE GIVEN - All invoices, demands or other communications
required or permitted to be given under this Agreement to a party shall be in
writing and delivered, posted by registered prepaid mail or sent by facsimile or
e-mail addressed to the party for whom it is intended as follows:

                  THE CORPORATION:
<PAGE>

                                       6

                  310-112 Market Ave
                  Winnipeg, Manitoba
                  R3B OP4

                  Fax No.: (2U4) 987-2659

                  THE CONSULTANT:

                  333 North Rivermede Road, Unit 1
                  Concorde, Ontario
                  LdK 3N7

                  E-mail: craig_frelding@rogers.com

Notices delivered shall be deemed given and received upon delivery, those sent
by registered mail on the fifth (5th) day after posting, and those sent by
facsimile or e-mail, on the day of transmission; provided that during any period
of mail disruption, notice shall he delivered or sent by facsimile or e-mail.
Either party may at any time and from time to time designate a substitute
address for the purpose of this paragraph by GIVING written notice thereof to
the other party at least ten (10) days in advance of the effective date of such
designation.

         26. OTHER RULES - Unless the context of this Agreement otherwise
requires,

                  (a)      the terms "hereof," "herein," "hereby" and derivative
                           or similar words refer to THE ENTIRE Agreement,
                           including schedules and exhibits;

                  (b)      any reference to a law, a regulation, an agreement or
                           a document shall refer to any amendment, supplement
                           or replacement of the same;

                  (c)      any reference to a person shall, where appropriate,
                           include any successors and permitted transferees and
                           assigns of such persons; and

                  (d)      the terms "include" or "including" means "including
                           without limitation"." Whenever this Agreement refers
                           to a number of days, such number shall refer to
                           calendar days unless business days are specified.

         IN WITNESS WHEREOF the parties hereto have executed this Agreement as
of the date written above,

                                                   FP FINANCIAL LTD

                                                   By:  Lee Price
                                                        -----------------------
                                                        I have authority to bind
                                                        the Corporation

                                                        Lee Price
                                                        President and Secretary

<PAGE>

                                       7

                                 CONSORTEUM INC.

                                  SCHEDULE "A"
                SERVICES TO BE PROVIDED BY THE CONSULTANT TO THE
                                  CORPORATION

         1. Consulting services for the purpose of providing management
services, financial technology services, and alternative payment and
provisioning initiatives (including benefits/payroll initiatives).

         2. Initial services include:

                  (a)      contract negotiation assistance with financial
                           technology and service providers;

                  (b)      project management assistance and ongoing support for
                           deployment of services; and

                  (c)      technical support for services provided by the
                           Consultant to the Corporation.

         3. Additional services to be provided shall include

                  (a)      point-of-sale terminals;

                  (b)      payment processing services;

                  (c)      future micro-payment products: EMV and contract-less
                           payments;

                  (d)      pre-paid card service: credit card, debit card, gift,
                           wireless, long distance;

                  (e)      value-added services: loyalty, insurance services,
                           AAA, medical, travel; and

                  (f)      future programs as agreed upon by the parties.

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