Document:

ASSIGNMENT OF LOAN

      This  Assignment  of Loan  ("Assignment")  is entered into as of March 28,
2005  between  IPEX,  Inc.,  a  Nevada  corporation  ("IPEX"),  in  favor of DJB
Holdings, Inc., a Nevada corporation ("DJB"), who agree as follows:

      IPEX  represents and warrants that: (a) it is the successor in interest to
AICI, Inc., a Nevada corporation by virtue of its merger with Tamarack Ventures,
Inc. and subsequent name change to IPEX, Inc., (b) IPEX is the lender under that
certain  loan in the  original  principal  amount of $400,000  made to Joseph L.
Putegnat III on or about March 28, 2005 (the "Loan"), (c) IPEX has not assigned,
sold,  transferred,  or encumbered  any interest in the Loan or any security for
the Loan,  (d) the  security  for such loan  included a Deed of Trust on certain
real property  commonly known as 10863 Stone Haven Way, San Diego,  CA, (e) IPEX
is duly organized,  validly existing,  and qualified to conduct its business and
has the legal power, right and authority to enter into this Assignment,  and (f)
the  individual  executing this Agreement on behalf of IPEX has the legal power,
right,  and  actual  authority  to act on behalf of IPEX  with  respect  to this
Assignment.

      For valuable  consideration  of $400,000,  IPEX hereby  assigns to DJB all
rights, title and interest in and to the Loan and all security for the Loan.

      The  prevailing   party  in  any   litigation,   arbitration,   mediation,
bankruptcy,  insolvency  or other  proceeding  relating  to the  enforcement  or
interpretation  of this Assignment may recover from the  unsuccessful  party all
costs, expenses, and actual attorney's fees.

IPEX, Inc., a Nevada corporation

By: /s/ Wolfgang Grabher
    --------------------
    Wolfgang Grabher, President & CEO

Accepted:

    ----------------
    DJB HoldingsSERVICE BUREAU AGREEMENT

      This Service Bureau Agreement (the "Agreement") is entered into as of the
18th day of May, 2005 (the "Effective Date"), by and between Connect Paging,
Inc., dba Get-A-Phone, a Texas corporation, located at 309 W. 7th Street, Suite
720, Fort Worth, Texas 76102 ("G-A-P") and Call Universal, Inc., a Texas
corporation located at 400 Chisholm Place, Plano, Texas 75075("Client").

      WHEREAS, Client offers turnkey compliance and technical solutions to the
telemarketing industry, including a "Caller ID Solution" by which Client
processes "Caller ID" transactions under contracts with call centers and other
businesses; and

      WHEREAS, G-A-P is a Competitive Local Exchange Carrier with experience
providing technical and back office support for businesses in the
telecommunications industry; and

      WHEREAS, Client's Caller ID Solution relies on the ability to provide
pre-assigned, ten-digit numbers (also called "Direct Inward Dialed Numbers" or
"DID Numbers")

      WHEREAS, G-A-P has obtained certain rights to certain DID Numbers and
Termination and Transport rights from a third party service provider (MetroTel);
and

      WHEREAS, G-A-P has been providing technical support for Client's Caller ID
Solution; and

      WHEREAS, Client desires to have G-A-P provide the Services (defined below)
pursuant to the terms of this Agreement.

      NOW THEREFORE, G-A-P and Client, in consideration of the promises and
mutual covenants expressed in this Agreement, agree as follows:

1.    Definitions.

      a.    "Business" means any offering of a Caller ID solution to customers,
            partners, and others by Client and/or G-A-P.

      b.    "Caller ID" means an electronic service whereby a caller's number
            and/or name is displayed.

      c.    "Client System" means the equipment necessary for receiving,
            transporting, and terminating voice service.

      d.    "G-A-P System" means the equipment used to receive, transport, and
            terminate voice service by G-A-P or by third parties for the benefit
            of G-A-P.

2.    Description of G-A-P Services. G-A-P shall be responsible for providing
      the following Services:

      a.    Transport and Termination Services. G-A-P shall resell the following
            services to Client:

            i.    DID Numbers. G-A-P shall provide Client with at least four
                  hundred (400) 10-digit phone numbers (also known as "Direct
                  Inward Dialed" or "DID" numbers) (the "DID Numbers"). G-A-P
                  shall obtain permission for Client to store DID numbers
                  obtained from MetroTel under Client's Master Agreement with
                  Accudata, Inc. (the "Accudata Agreement").

<PAGE>

            ii.   Voice Termination and Transport. G-A-P shall arrange for
                  termination, switching, and transport for the calls received
                  from the DID Numbers. G-A-P shall arrange for MetroTel to
                  terminate calls to the DID Numbers at a MetroTel switch, which
                  are currently located throughout Texas.

                  In addition, G-A-P shall lease transport lines, which lines
                  shall be "DS1" (or "T1") or equivalent lines providing the
                  same bandwidth, channels, and functionality. Initially, G-A-P
                  shall lease six (6) DS1 lines; G-A-P will also obtain the
                  right to add or remove lines as necessary to meet G-A-P's
                  needs. G-A-P shall arrange for MetroTel to transport calls
                  received from the DID numbers from its switch(es) to the
                  switch(es) owned by Client utilizing voice over internet
                  protocols ("VoIP").

      b.    Billing and Revenue.

            i.    The parties shall cooperate on the collection and distribution
                  of revenues. G-A-P shall have primary responsibility for such
                  activities, as detailed further below. Client shall be kept
                  apprised of all such activities on an ongoing basis.

            ii.   Billing Services. Client currently bills its Customers on a
                  monthly basis. Beginning on the June 1, 2005, responsibility
                  for billing and collections shall pass to G-A-P.

            iii.  Further Acts. If necessary to implement the terms of this
                  agreement, Client shall arrange with Accudata to assign its
                  rights under the Accudata Agreement to G-A-P.

      c.    Customer Service and Call Response.

            i.    G-A-P shall be responsible for handling first calls from
                  Customers and shall make reasonable attempts to isolate any
                  reported problem. If after making the initial service call
                  G-A-P determines that the problem is not in the G-A-P System,
                  G-A-P shall immediately notify Client. Thereafter, G-A-P shall
                  provide reasonable assistance to Client to correct the
                  problem. G-A-P shall maintain detailed records of all reported
                  problems.

            ii.   The parties acknowledge that voice providers frequently are
                  asked to provide end-user information to law enforcement or
                  other government officials. The parties agree that G-A-P shall
                  have primary responsibility for receiving and responding to
                  requests for information by governmental authorities related
                  to the Business.

3.    Migration of Existing Contracts. The parties intend to have all contracts
      comprising the Business executed through the Accudata Agreement. Client
      and G-A-P shall cooperate to ensure that all existing and prospective
      customers for the Business shall be handled through the Accudata Agreement
      and shall be subject to the Service Pricing provisions, below.

                                       2
<PAGE>

4.    Service Fee. The above services will be provided by G-A-P in exchange for
      ten percent (10%) of the monthly gross revenues for the Business (the
      "Service Fee"). G-A-P shall retain the Service Fee as the fee is
      collected. The Service Fee shall begin on May 1, 2005, and continue
      throughout the term of this Agreement.

5.    Service Performance. G-A-P shall cooperate with Client and shall promptly
      perform such things as are reasonably necessary to implement this
      Agreement. G-A-P shall not be responsible for any termination or failure
      in the Service resulting from any of the following causes:

      a.    The failure or nonperformance or any termination or suspension of
            any service to G-A-P (except that which shall solely be due to the
            fault of G-A-P);

      b.    Force majeure suspending or terminating G-A-P's performance as
            provided in this Agreement;

6.    Representations and Warranties of G-A-P. G-A-P represents and warrants to
      Client that:

      a.    This Agreement has been duly authorized by all necessary corporate
            action on the part of G-A-P and when executed and delivered by duly
            authorized officers of G-A-p constitutes a legal, valid and binding
            obligation of G-A-P;

      b.    G-A-P has and shall continue to have during the term of this
            Agreement all necessary contractual rights to provide the Service to
            Client hereunder;

      c.    In the event that a service provided hereunder is subject to an
            underlying agreement with a supplier or vendor, G-A-P can not and
            will not provide greater rights to Client than those afforded to
            G-A-P; and

      d.    G-A-P is not aware of any contractual or other legal obligation
            which shall in any way interfere with its full, prompt and complete
            performance hereunder.

      e.    G-A-P will directly or indirectly provide G-A-P Programming to
            Client Subscribers only through Client under this Agreement.

7.    Representations and Warranties of Client. Client represents and warrants
      to G-A-P that:

      a.    This Agreement has been duly authorized by all necessary corporate
            action on the part of Client and has been executed and delivered by
            duly authorized officers of Client and this Agreement constitutes a
            legal, valid and binding obligation of Client;

      b.    Client has and shall continue to have during the term of this
            Agreement all necessary rights to carry out the provisions of this
            Agreement, including but not limited to, obtaining all necessary
            contractual rights, intellectual property rights, licenses,
            clearances and releases;

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<PAGE>

      c.    Client's performance under this Agreement does not and shall not
            violate any third party's trademark, copyright or other intellectual
            property rights;

      d.    Client is under no contractual or other legal obligation which shall
            in any way interfere with its full, prompt and complete performance
            hereunder.

8.    Necessary Action- At all times after the execution of this Agreement each
      party hereto agrees to take or cause to be taken all such necessary action
      including, without limitation, the execution and delivery of such further
      instruments and documents, as may be reasonably requested by the other
      party for such purposes or otherwise necessary to complete or perfect the
      transactions contemplated hereby and meet the intent of this Agreement.

9.    Term/Termination- This Agreement shall have an initial term of three (3)
      years and shall automatically renew for successive one (1) year terms
      unless either party sends written notice of an election not to renew at
      least sixty (60) days before the expiration of the then current term.

      Either party may terminate this Agreement prior to the expiration of the
      then current term if the other party is in material breach of the
      Agreement. Prior to terminating the Agreement, however, the party claiming
      breach must provide thirty (30) days written notice to the allegedly
      breaching party, which notice shall provide a detailed explanation of the
      alleged breach and an opportunity to cure the alleged breach. If the
      alleged breach is cured within such thirty (30) days, there shall be no
      right to terminate the Agreement for such alleged breach.

      Termination or expiration shall not relieve the Client's obligation to pay
      any outstanding balance, late fees, or other charges due under this
      Agreement. In addition, termination or expiration shall not effect the
      Parties' obligations under Sections

10.   Confidentiality- For the purposes of this Agreement, "Confidential
      Information" is defined as the nature of this Agreement, the parties,
      services, and prices addressed herein, as well as any other information or
      documents, electronic or otherwise, disclosed by one signing party to
      another in connection with this Agreement or the parties, services, or
      prices herein.

      Each party (the "Receiving Party") will protect and hold in confidence all
      Confidential Information disclosed by the other party (the "Disclosing
      Party"). The Receiving Party shall not use any Confidential Information
      and will not disclose, communicate or disseminate (orally, in writing or
      electronically) any Client Information to any party for any purpose other
      than to fulfill its authorized obligations in connection with this
      Agreement. The Receiving Party will be required to comply with these
      non-disclosure and non-use obligations for the duration of the Agreement
      and for two (2) years after the expiration or termination of the Agreement
      for any reason. The parties acknowledge and agree that, among other
      things, any non-public, written list of Customers and any strategic
      information, data or documents, and any nonpublic, written, strategic
      product or service descriptions shall constitute Confidential Information
      for all purposes of this Agreement and under law. Any Confidential
      Information will remain proprietary to the Disclosing Party and subject to
      this Agreement unless otherwise confirmed in writing by the Disclosing
      Party.

                                       4
<PAGE>

11.   Interference With Contracts and Non-Circumvention- During the term of this
      Agreement and for two (2) years thereafter, Client will not directly or
      indirectly, individually or on behalf of another, alone or in conjunction
      with other parties, knowingly interfere with or seek to have a third party
      terminate or not renew any contractual relationship (a) between a business
      partner of Client ("Client Partner") and Client, (b) involving a Client
      Partner, (c) between an employee, contractor, director, agent or
      consultant of Client and Client, or (d) between Client and any provider of
      products or services to Client.

12.   Subordination. Client recognizes that G-A-P has entered into a Services
      Agreement with James Taylor, dba MetroTel Communications (the "MetroTel
      Agreement").

      The parties recognize and acknowledge that G-A-P is obtaining Termination
      and Transport Service and related services from MetroTel. Accordingly,
      this Agreement shall be a sub-agreement subordinate to the MetroTeol
      Agreement and the rights or interest of Client shall be no greater than
      the rights or interest of G-A-P under such agreement. In the event that
      the MetroTel Agreement is terminated, G-A-P may, at its option, terminate
      this Agreement without any further obligation to Client. In the event that
      G-A-P's rights or interest under the MetroTel Agreement shall be greater
      than the rights or interest of Client hereunder, Client is not entitled to
      any rights or interest greater than is provided in this Agreement. In the
      event of any conflict between the terms and provisions of this paragraph
      and the terms and provisions of any other paragraph of this Agreement,
      then the terms and provisions of this paragraph shall control.

13.   Notices. All notices and other communications provided for or permitted
      hereunder shall be made in writing by hand-delivery, overnight air courier
      or facsimile transmission.

      If to Client:

            Call Universal, Inc.
            400 Chisholm Place
            Plano, Texas
            Attention:  Chief Executive Officer
            Facsimile:  ___________________

      If to G-A-P:

            Get-A-Phone
            309 W. 7th Street, Suite 720
            Fort Worth, Texas 76102
            Attention:  Byron Young
            Facsimile:  (888) 333-3503

      with a copy (which shall not constitute notice) to:

            USurf America, Inc.
            390 Interlocken Crescent, Suite 900
            Broomfield, CO 80021
            Attention:  Chief Executive Officer
            Facsimile:  (303) 465-3150

                                       5
<PAGE>

      And

            White Field, Inc.
            9800 D Topanga Canyon Blvd., #326
            Chatsworth, California 91311
            Attention:  Steven W. Ritcheson
            Facsimile:  (650) 337-0383

      All such notices and communications shall be deemed to have been duly
      given: when delivered by hand, if personally delivered; one business day
      after being timely dispatched delivery prepaid, if by overnight air
      courier; and when receipt acknowledged, if sent by facsimile transmission.
      Any of the above addresses may be changed by notice made in accordance
      with this subsection.

14.   Governing Law; Forum Selection. THIS AGREEMENT SHALL BE GOVERNED BY AND
      CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS WITHOUT GIVING
      EFFECT TO THE PRINCIPLES OF CONFLICT OF LAWS THEREOF. BY EXECUTING THIS
      AGREEMENT, EACH PARTY HERETO SUBMITS TO THE JURISDICTION OF THE COURTS OF
      TEXAS SOLELY FOR PURPOSES OF ADJUDICATING ITS RIGHTS OR THE RIGHTS OF THE
      OTHER PARTY WITH RESPECT TO THIS AGREEMENT. EACH PARTY HEREBY AGREES TO
      ACCEPT, AT ITS OFFICE AT THE ADDRESS REFERRED TO IN SECTION 7 HEREOF,
      SERVICE OF PROCESS IN ANY LEGAL ACTION OR PROCEEDING INSTITUTED BY ANY
      PARTY IN THE COURTS OF THE STATE OF TEXAS WITH RESPECT TO THIS AGREEMENT.

15.   Limitation on Liability. G-A-P' sole obligation under this Agreement is to
      provide the Services to Client and its liability for any failure to do so
      is limited exclusively to granting credits on a pro-rata basis for actual
      lost transport-time or a pro-rata refund for Services prepaid and not
      received. Under no circumstances will G-A-P be liable for any
      compensatory, consequential, exemplary, incidental, or punitive damages
      that may be alleged by Client or Client's Customers.

16.   Indemnity. Client and G-A-P shall indemnify, defend and save each other
      and its officers, directors and agents harmless from suits, actions,
      damages, liability, losses, expenses and causes of action of every nature
      whatsoever arising from or caused by any negligent or willful act or
      omission by either party or its officers, agents, employees,
      representatives or independent contractors in any manner connected with
      this Agreement including, but not limited to, any claims, demands and
      causes of action of every nature whatsoever which may be made upon,
      sustained or incurred by either party by reason of any breach, violation,
      omission or non-performance of any material terms, covenants or conditions
      hereof on the part of either party or by reason of any negligent or
      willful acts or omissions.

17.   Requirements Of Law. During the term of this Agreement both parties shall
      observe and comply with all present and future laws, ordinances,
      requirements, orders, directions, rules and regulations of the federal,
      state, county and municipal governments and of all other governmental
      entities having or claiming authority over or the right to regulate
      satellite communications or any other activity contemplated by this
      Agreement including, but not limited to, observance and compliance with
      all Federal Communications Commission requirements, orders, directions,
      rules and regulations. Further, both parties hereby agree to indemnify and
      hold each other harmless from any fine, penalty, expense, claim, suit,
      lien, charge, cost or liability arising out of or caused by either party's
      failure to comply with this provision including, but not limited to,
      attorneys' fees at, before and through all trial and appellate levels and
      post judgment proceedings and whether or not a lawsuit or any other
      proceeding is instituted.

                                       6
<PAGE>

18.   Force Majeure. Force Majeure as referred to in Section ____ means any
      failure of performance due to causes beyond G-A-P's commercially
      reasonable control, including, but not limited to, sun outages, equipment
      failure, rain fade, externally caused interference, irreparable satellite
      component failure, fires, strikes, labor unrest, embargoes, civil
      commotion, rationing or other order or requirements, acts of civil or
      military authorities, acts of war, terrorism, acts of God, the
      unavailability to G-A-P of the facilities or services used to provide the
      Services, or other contingencies beyond the reasonable control of G-A-P.

19.   Assignment; Successors. No right or obligation under this Agreement may be
      assigned or delegated by either party without written consent of the
      other. This Agreement shall inure to the benefit of and be binding upon
      the parties hereto and their respective successors and permitted assigns.

20.   Remedies. The Parties expressly understand and agree that the covenants
      and obligations to be rendered and performed by the Parties pursuant to
      this Agreement are special, unique, and of an extraordinary character, and
      in the event of any default, breach or threatened breach, the Parties
      shall be entitled to such relief as may be available to it pursuant
      hereto, at law or in equity, including, without limiting the generality of
      the foregoing, any proceedings to: (i) obtain damages for any breach of
      this Agreement; (ii) order the specific performance thereof; or (iii)
      enjoin the breach of such provisions.

21.   Regulatory Obligations - As between the parties, Client shall be
      responsible for all legal or regulatory requirements imposed by local,
      state or federal governments in connection with: (a) the Client System;
      and (b) the Customers serviced under this Agreement.

22.   Counterparts. This Agreement may be signed in counterpart copies, each of
      which shall be deemed to be an original document, and all of which shall
      together be deemed to constitute a single document. Telecopied signatures
      on this Agreement shall have the force and effect of original signatures.

23.   Headings. All headings have been inserted for convenience only and shall
      in no way modify or restrict any of the terms or conditions hereof.

24.   Severability. If any provision of this Agreement is determined by a court
      of competent jurisdiction to be unlawful or unenforceable in any
      jurisdiction, then such provision will be enforced to the maximum extent
      permissible under applicable law, and the remaining provisions of this
      Agreement will remain in full force and effect.

25.   Amendment; Waiver. This Agreement may not be amended or modified except by
      a writing executed by Client and G-A-P. No right under this Agreement may
      be waived except by a writing signed by the party waiving such right, and
      no waiver of one breach of this Agreement will constitute a waiver of
      subsequent breaches of the same or of a different nature.

                                       7
<PAGE>

26.   Entire Agreement. No covenants, agreements, representations or warranties
      of any kind have been made by any party hereto, except as expressly set
      forth herein. This Agreement constitutes the entire agreement between the
      parties relating to the subject matter hereof; and all prior discussions,
      negotiations, agreements and understandings, written or oral, have been
      and are merged and integrated into, and superseded by, this Agreement.

27.   No Presumption. This Agreement is the product of negotiation between the
      parties and, in interpreting the text of this Agreement, no presumption
      against the drafter of any provision may be made.

28.   Confidentiality of Agreement. Each party agrees to maintain the terms of
      this Agreement in strict confidence, and that it will not disclose the
      terms of this Agreement to any other person, other than the parties' own
      professional advisors, unless required by law. The parties expressly
      acknowledge that Client is a wholly owned subsidiary of a public company
      and may be required to disclose certain facts regarding this Agreement in
      filings with the Securities and Exchange Commission. Notwithstanding such
      obligations, Client shall use all reasonable efforts to keep the terms of
      this Agreement confidential.

      IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
      duly executed by their respective authorized signatories as of the date
      first indicated above.

      CALL UNIVERSAL, INC                 CONNECT PAGING, DBA GET-A-PHONE

      By: /s/ James Taylor                By: /s/ Byron Young
          ----------------------              ---------------------
      Name: James Taylor                  Name: Byron Young
      Title:_____________________         Title: President

                                       8

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