Document:

EXHIBIT 10.2

                                THE IMPACT GROUP

                               CONTRACT AGREEMENT

This Contract Agreement (the "Agreement") is made between The Impact Group and
WhOOdoo.com, Inc. ("Client"). The effective date of this Agreement is December ,
1999.

1.       DESCRIPTION OF SERVICES

         Subject to the terms and conditions set forth herein, The Impact Group
         shall provide, either directly or in conjunction with such
         subcontractors as it may select, the products and services in the
         Statement of Work attached hereto as Exhibit A, including all necessary
         labor, materials, and services (hereinafter the "Work").

2.       FEES AND BILLING

         2.1      FEES. In consideration of the Work performed to this
                  Agreement, Client shall pay The Impact Group all fees due as
                  set forth in the Statement of Work.

         2.2      BILLING AND PAYMENT TERMS. Client will be billed at the time
                  of shipment of equipment or software, in advance of any
                  installation fees, and monthly in advance of the provision of
                  recurring monthly service fees. Payment of such fees will be
                  due within thirty (30) days of the date of each IM Group
                  invoice for all labor and materials, and before the first of
                  the month for monthly service charges. Late payments hereunder
                  will accrue interest at a rate of one and one-half percent (1
                  1/2%) per month, or the highest rate allowed by applicable
                  law, whichever is lower. The Impact Group may discontinue
                  performance under this Agreement in the event any payment is
                  not received within thirty days (30) days of the date on which
                  it is due.

         2.3      TAXES. All payments required by this Agreement are exclusive
                  of all national, state, municipal or other governmental
                  excise, sales, value-added, use, personal property, and
                  occupational taxes, excises, withholding taxes and obligations
                  and other levies now in force or enacted in the future, all of
                  which Client will be responsible for and will pay in full.

3.       CHANGES TO THE STATEMENT OF WORK

         Client shall have the right from time to time by written notice to
         propose changes in or additions to the Work under the Agreement
         ("Change Order"), and The Impact Group shall comply, to the extent
         feasible, with such Change Order. If The Impact Group determines that
         such changes cause an increase in the cost of or time required for
         performance of the Work, The Impact Group shall advise Client thereof
         and such adjustments shall be reflected in a written Change Order.

<PAGE>

         In performing the Work, should The Impact Group encounter any concealed
         or unknown condition not expressly set forth in this Agreement, which
         condition affects the price or schedule for performance of the Work,
         the price and the schedule shall be equitably adjusted by the Change
         Order to cover all labor, materials and services necessary to carry out
         the change. No Change Order shall become effective as a part of this
         Agreement, and no changes in the Work shall be initiated, until the
         Change Order for additional work shall refer to this Agreement and be
         subject to the terms and conditions of this Agreement, and terms and
         conditions on Client's purchase order or documents that are
         inconsistent or in addition to this Agreement will be void. The Impact
         Group may also propose changes in or additions to the Work, and may
         proceed with them upon execution by Client and The Impact Group of a
         written Change Order.

4.       PRODUCT AND SERVICES ACQUIRED ON CLIENT BEHALF

         The Impact Group has the right, without Client's written approval, to
         acquire and charge Client for reasonable quantities of supplies and
         miscellaneous materials to support or accomplish the Work provided
         under this Agreement.

5.       CONFIDENTIAL INFORMATION; INTELLECTUAL PROPERTY OWNERSHIP; LICENSE
         GRANTS

         5.1      CONFIDENTIAL INFORMATION.

             (a)  NONDISCLOSURE OF CONFIDENTIAL INFORMATION. Each party
                  acknowledges that it will have access to certain confidential
                  information of the other party's business, plans, Clients,
                  technology, and products, and other information held in
                  confidence by the other party ("CONFIDENTIAL INFORMATION").
                  Confidential Information will include all information in
                  tangible or intangible form that is marked or designated as
                  confidential or that, under the circumstances of its
                  disclosure, should be considered confidential. Confidential
                  Information will also include, but not be limited to, The
                  Impact Group Technology ("The Impact Group Technology" means
                  The Impact Group proprietary, technology. Including The Impact
                  Group software tools, hardware designs, algorithms, software
                  (in source and object forms), user interface designs,
                  architecture, class libraries, objects and documentation (both
                  printed and electronic), network designs, know-how, trade
                  secrets and any related intellectual property rights
                  throughout the world (whether owned by The Impact Group or
                  licensed to The Impact Group from a third party) and also
                  including any derivatives, improvements, enhancements or
                  extensions of The Impact Group Technology conceived, reduced
                  to practice or developed during the term of this Agreement by
                  either party that are not uniquely applicable to Client or
                  that have general applicability in the art.), Client
                  Technology ("Client Technology" means Client's proprietary
                  technology, including Client's Internet Operations design,
                  content, software tools, hardware designs algorithms, software
                  (in source and object forms), user interface designs,

<PAGE>

                  architecture, class libraries, objects and documentation (both
                  printed and electronic), know-how, trade secrets and any
                  related intellectual property rights throughout the world
                  (whether owned by Client or licensed to Client from a third
                  party) and also including any derivatives, improvements,
                  enhancements or extensions of Client Technology conceived,
                  reduced to practice, or developed during the term of this
                  Agreement by Client, and the terms and conditions of this
                  Agreement. Each party agrees that it will not use in any way,
                  for its own account or the account of any third party, except
                  as expressly permitted by, or required to achieve the purposes
                  of, this Agreement, nor disclose to any third party (except as
                  required by law or to that party's attorneys, accountants and
                  other advisors as reasonably necessary), any of the other
                  party's Confidential Information and will take reasonable
                  precautions to protect the confidentiality of such
                  information, at least as stringent as it takes to protect its
                  own Confidential Information.

             (b)  EXCEPTIONS. Information will not be deemed Confidential
                  Information hereunder if such information: (i) is known to the
                  receiving party prior to receipt from the disclosing party
                  directly or indirectly from a source other than one having an
                  obligation of confidentiality to the disclosing party; (ii)
                  becomes known (independently of disclosure by the disclosing
                  party) to the receiving party directly or indirectly from a
                  source other than one having an obligation of confidentiality
                  to the disclosing party; (iii) becomes publicly known or
                  otherwise ceases to be secret or confidential, except through
                  a breach of this Agreement by the receiving party; or (iv) is
                  independently developed by the receiving party. The receiving
                  party may disclose Confidential Information pursuant to the
                  requirements of a governmental agency or by operation of law,
                  provided that it gives the disclosing party reasonable prior
                  written notice sufficient to permit the disclosing party to
                  contest such disclosure.

         5.2 INTELLECTUAL PROPERTY.

             (a)  OWNERSHIP. Except for the rights expressly granted herein and
                  the assignment expressly made in paragraph 5.3(a), this
                  Agreement does not transfer from The Impact Group to Client
                  any IM Group Technology, and all right, title and interest in
                  and to The Impact Group Technology will remain solely with The
                  Impact Group. Except for the rights expressly granted herein,
                  this Agreement does not transfer from Client to The Impact
                  Group any Client Technology, and all right, title and interest
                  in and to Client Technology will remain solely with Client.
                  The Impact Group and Client each agrees that it will not,
                  directly or indirectly, reverse engineer, decompile,
                  disassemble or otherwise attempt to derive source code or
                  other trade secrets from the other party.

<PAGE>

         (b)      GENERAL SKILLS AND KNOWLEDGE. Notwithstanding anything to the
                  contrary in this Agreement, The Impact Group will not be
                  prohibited or enjoined at any time by Client from utilizing
                  any skills or knowledge of a general nature acquired during
                  the course of providing the Services, including, without
                  limitation, information publicly known or available or that
                  could reasonably be acquired in similar work performed for
                  another Client of The Impact Group.

6.       WARRANTY AND DISCLAIMER

         6.1      PERFORMANCE. The Impact Group warrants that it will perform
                  the Work in a manner consistent with industry standards
                  reasonably applicable to the performance thereof. Client will
                  be deemed to have accepted Work on delivery unless rejected,
                  in writing, within ten (10) days of delivery.

         6.2      NO OTHER WARRANTY. EXCEPT FOR THE EXPRESS WARRANTY SET OUT IN
                  SECTION 6.1 ABOVE, THE WORK IS PROVIDED ON AN "AS IS" BASIS,
                  AND CLIENT'S USE OF THE WORK IS AT ITS OWN RISK. THE IMPACT
                  GROUP DOES NOT MAKE, AND HEREBY DISCLAIMS, ANY AND ALL OTHER
                  EXPRESS AND/OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED
                  TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
                  PURPOSE, NONINFRINGEMENT AND TITLE, AND ANY WARRANTIES ARISING
                  FROM A COURSE OF DEALING, USAGE, OR TRADE PRACTICE.

7.       LIMITATION OF LIABILITY/EXCLUSIVE REMEDY

         7.1      IN NO EVENT WILL THE IMPACT GROUP BE LIABLE FOR ANY SPECIAL,
                  INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT
                  NOT LIMITED TO DAMAGES CAUSED BY CLIENT'S FAILURE TO PERFORM
                  ANY OF ITS RESPONSIBILITIES, OR FOR ANY LOSS OF BUSINESS OR
                  PROSPECTIVE BUSINESS OPPORTUNITIES, PROFITS, SAVINGS,
                  INFORMATION, USE OR OTHER COMMERCIAL OR ECONOMIC LOSS, EVEN IF
                  THE IMPACT GROUP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
                  DAMAGES.

8.       INDEMNIFICATION

         8.1      CLIENT'S INDEMNIFICATION OF THE IMPACT GROUP. Client will
                  indemnify, defend and hold The Impact Group, its affiliates
                  and Clients harmless from and against any and all Losses
                  resulting from or arising out of any Action brought by or
                  against The Impact Group alleging, with respect to the Work or
                  Client's use thereof, infringement or misappropriation of any
                  intellectual property

<PAGE>

                  rights of any third parties relating to Client Pre-existing
                  Technology or Client Confidential Information.

9.       TERM AND TERMINATION

         9.1      TERM. This Agreement and the rights granted hereunder shall
                  continue until terminated as set forth below.

         9.2      TERMINATION. Either party may terminate this Agreement, in
                  whole or in part, at any time without cause upon thirty (30)
                  days written notice. If the Agreement is terminated by Client
                  pursuant to this Section 10.2, The Impact Group shall have no
                  further responsibility under this Agreement, and Client shall
                  promptly pay The Impact Group for (I) all Work performed, and
                  incidental expenses incurred, up to the date of termination,
                  (ii) any remaining minimum payment commitments through the end
                  of the Term specified in the Scope of Work, and (iii) any
                  additional direct costs which The Impact Group incurs as a
                  result of such termination, including but not limited to the
                  costs of terminating purchase orders and other contractual
                  obligations made by The Impact Group to meet its obligations
                  under this Agreement.

         9.3      SURVIVAL. The following provisions will survive any expiration
                  or termination of this Agreement: Sections 2, 5, 6.2, 7.1, 8,
                  9.3 and 10.

         9.4      MATERIAL BREACH OR DEFAULT. In the event either party shall be
                  in breach or default of any of the material terms or
                  conditions of this Agreement (including but not limited to
                  such party becoming bankrupt or insolvent, suffering a
                  receiver to be appointed, or making an assignment for the
                  benefit of creditors) and the defaulting party has not taken
                  steps to cure such breach or default within ten (10) days
                  after the receipt of written notice from the non-defaulting
                  party, then in addition to all other rights and remedies at
                  law, in equity or otherwise, the non-defaulting party, then in
                  addition to all other rights and remedies at law, in equity or
                  otherwise, the non-defaulting party shall have the right to
                  terminate this Agreement without further charge, obligation or
                  liability whatsoever to the non-defaulting party; provided,
                  however, that if Client terminates the Agreement pursuant to
                  this Section 10.3, Client shall promptly pay The Impact Group
                  for all Work performed, and incidental expenses incurred, up
                  to the date of termination, plus any third party services that
                  Client continues to receive.

10.      MISCELLANEOUS PROVISIONS

         10.1     FORCE MAJEURE. Except for the obligation to pay money, neither
                  party will be liable for any failure or delay in its
                  performance under this Agreement due to any cause beyond its
                  reasonable control, including act of war, acts of God,
                  earthquake, flood, embargo, riot, sabotage, labor shortage or
                  dispute, governmental act, failure of equipment, or failure of
                  the Internet, provided that

<PAGE>

                  the delayed party: (a) gives the other party prompt notice of
                  such cause, and (b) uses its reasonable commercial efforts to
                  correct promptly such failure or delay in performance.

         10.2     NON-SOLICITATION. During the term of this Agreement and for
                  the period ending one (1) year following termination or
                  expiration of this Agreement in accordance with its terms,
                  Client agrees that it will not, and will ensure that its
                  affiliates do not, directly or indirectly, solicit or attempt
                  to solicit for employment any persons employed by or
                  contracting with The Impact Group during such period. Client
                  acknowledges that breach of this provision will adversely
                  affect The Impact Group and its business and that as a
                  consequence of such breach Client will pay liquidated damages
                  to The Impact Group in a sum equal to one hundred percent
                  (100) of the solicited employees' annual compensation as
                  offered by Client to such employee.

         10.3     GOVERNING LAW; DISPUTE RESOLUTION, SEVERABILITY. This
                  Agreement is made under and will be governed by and construed
                  in accordance with the laws of the State of Massachusetts
                  (except that body of law controlling conflicts of law). Any
                  dispute relating to the terms, interpretation or performance
                  of this Agreement (other than claims for preliminary
                  injunctive relief or other pre-judgment remedies) will be
                  resolved at the request of either party through binding
                  arbitration.

         10.4     ASSIGNMENT; NOTICES. Client may not assign its rights or
                  delegate its duties under this Agreement either in whole or in
                  part without the prior written consent of The Impact Group,
                  except that Client may assign this Agreement in whole as part
                  of a corporate reorganization, consolidation, merger, or sale
                  of substantially all of its assets. Any attempted assignment
                  or delegation without such consent will be void. The Impact
                  Group may assign this Agreement in whole or part. This
                  Agreement will bind and inure to the benefit of each party's
                  successors and permitted assigns. Any notice or communication
                  required or permitted to be given hereunder may be delivered
                  by hand, deposited with an overnight courier, sent by
                  confirmed facsimile, or mailed by registered or certified
                  mail, return receipt requested, postage prepaid, in each case
                  to the address of the receiving party indicated in this
                  subsection, or at such other address as may hereafter be
                  furnished in writing by either party hereto to the other. Such
                  notice will be deemed to have been given as of the date it is
                  delivered, mailed or sent, whichever is earlier.

                         Attn:  Paulo Mylla           Attn:  Richard F. O'Leary
                         WhOOdoo.com                  The Impact Group
                         1660 Trade Center Way        P.O. Box 355
                         Naples, FL 34109             Chelmsford, MA 01824

<PAGE>

         10.5     RELATIONSHIP OF PARTIES. The Impact Group and the Client are
                  independent companies and this Agreement will not establish
                  any relationship of partnership, joint venture, employment,
                  franchise or agency between The Impact Group and Client.
                  Neither The Impact Group nor Client will have the power to
                  bind the other or incur obligations on the other's behalf
                  without the other's prior written consent, except as otherwise
                  expressly provided herein.

         10.6     MODIFICATIONS; WAIVER. All modifications to this Agreement or
                  exhibits shall be in writing and signed by a duly authorized
                  representative of each party. If either party hereto waives or
                  modifies any term or condition of this Agreement, such action
                  will not void, waive or change any other term or condition,
                  nor will the waiver by one party of any default hereunder by
                  the other constitute the present or future waiver of any other
                  default hereunder. If any part of this Agreement, for any
                  reason, is declared to be invalid, it shall be deemed omitted,
                  and the remainder of this Agreement shall continue in effect
                  as if the Agreement had been entered into without the invalid
                  provision.

         10.7     ENTIRE AGREEMENT; COUNTERPARTS. This Agreement, including all
                  documents incorporated herein by reference, constitutes the
                  complete and exclusive agreement between the parties with
                  respect to the subject matter hereof, and supersedes and
                  replaces any and all prior or contemporaneous discussions,
                  negotiations, understandings and agreements, written and oral,
                  regarding such subject matter. This Agreement may be executed
                  in two or more counterparts, each of which will be deemed an
                  original, but all of which together shall constitute one and
                  the same instrument. The parties further agree that a signed
                  facsimile of this Agreement will be deemed an original.

IN WITNESS WHEREOF, the parties have signed this Agreement as of the Effective
Date first set out above.

The Impact Group                                     CLIENT:___________________

By:_________________________                         By:________________________

Name:______________________                          Name:______________________

Title:_______________________                        Title:_____________________EXHIBIT 10.3

         Consulting Agreement (the "Agreement") entered into this 9th day of
November 1999 by and between WHOODOO.COM (Delaware). ("Company"), a Florida
corporation with principal offices at 1660 Trade Center Way, Naples, FL 34109,
and Michael Baybak and Company, Inc., ("Consultant"), a California corporation
with principal offices at 4515 Ocean View Blvd., Suite 305, La Canada, CA 91011.

                                    RECITALS

         WHEREAS, the Consultant is engaged in providing financial and media
services (the "Services") to emerging Internet companies; and

         WHEREAS, the Company desires to retain Consultant to provide financial
and media services upon the terms and conditions described herein; and

         WHEREAS, the Consultant desires to provide such services to the Company
as an independent contractor upon such terms and conditions.

         NOW THEREFORE, in consideration of the foregoing and other good and
valuable consideration, the parties hereby agree as follows:

         1. Consultant shall provide the Company with the Services, which shall
include increasing the awareness of money managers, newsletter publishers and
media interested or otherwise covering emerging Internet companies, of the
Company and communicate the Company's product profiles with prospective
investors and money managers and promote the Company as a highly focussed
developer of specialized vertical portals and operator of the whOOdoo.com
network of regional portals. Communications should highlight the market niche
the Company is exploiting and the many strengths and benefits inherent in
servicing this niche. The Services shall include the development of specialized
financial marketing programs through marketing/newsletter publications that
Company may elect to undertake.

         2. Company shall provide Consultant with various materials and
documents ("Company Information"), however, before Consultant disseminates such
Company Information, the Consultant must receive the Company's prior written
consent.

         3. The term (the "Term") of this Agreement shall commence the day and
year first above written and terminate on November 9, 2000 unless terminated
earlier pursuant to paragraph 11. Company shall have the option to renew this
Agreement for an additional year (the "Extended Term") upon similar terms and
conditions by providing prior notice to Consultant no later than August 31,
2000.

         4. Company shall pay Consultant $3,500.00 per month for the Services
and Company's initial $3,500.00 payment shall be paid to Consultant upon
execution of this Agreement. Subsequent monthly payments will be billed by
Consultant on the first of each

<PAGE>

subsequent month and Company will pay them within 30 days.

         5. In addition to Consultant's compensation under Paragraph 4 above,
the Company shall issue to the Consultant 350,000 options (the "Options") to
purchase the Company's common stock, par value $.001 per share, subject to the
following provisions: (i) one-half, or 175,000 Options shall vest on February 9,
1999 and one-half, or 175,00 Options, on May 9, 1999, (ii) such vesting shall
occur only if the Consultant has not been terminated pursuant to paragraph 11
hereof at the time such Options vest pursuant to paragraph 5(i); and (iii) the
Options may be exercised at $1.00 per share for a period of five years from the
date of this Agreement.

         6. During the Term, Consultant shall provide the Services to Company
using Consultant's employees Michael Baybak and George Duggan, who shall provide
the Services in a timely manner.

         7. Consultant shall be reimbursed for its reasonable expenses on
Company's behalf, properly incurred in connection with Consultant's duties, such
expenses include all direct costs of communication on behalf of the Company,
including phone, fax, postage, deliveries, etc.; provided, however that any of
Consultant's expenses in excess of $500.00 per month shall not be incurred
without Company's prior consent. In that regard, during each month of the Term,
Consultant shall furnish Company with appropriate evidence of such expenses,
including receipts and vouchers.

         8. At no time may Consultant disclose Company's affairs, or any Company
trade or other secrets to any person for its or their own personal benefit or
purposes, whether or not such disclosure injures Company. Consultant shall not
use any Company Information for Consultant's benefit, or purposes, or for any
purpose other than for the Company's benefit as described herein. Consultant
acknowledges that any breach of this Agreement may result in damages to Company
that are difficult to measure monetarily, and, therefore, Consultant hereby
waives any defense to any application made by the Company for injunctive relief,
in addition to any other legal remedies available to it.

         9. Company shall indemnify and hold Consultant harmless against any
loss, costs or expenses incurred as a result of or arising out of the
Consultant's publication or dissemination of Company Information or other
relevant information approved in writing by Company hereunder if it is
established by a court of competent jurisdiction that the said information
contain material misrepresentations, or false or misleading information, or
omits to state a material fact necessary to prevent a statement that is made
from being false or misleading.

         10. Consultant shall devote a reasonable amount of the time and best
efforts of the Employees to promote Company's interests.

         11. This Agreement may be terminated by Company at any time without
prior

<PAGE>

notice if:

                  (i)      Consultant shall breach of provisions of this
                           Agreement; or

                  (ii)     Consultant is negligent in the performance of its
                           duties hereunder; or

                  (iii)    Consultant files a bankruptcy petition in any court
                           of competent jurisdiction, or makes an assignment for
                           the benefit of creditors; or

                  (iv)     Michael Baybak shall become of unsound mind, or be
                           declared incompetent to handle his personal or
                           business affairs; or

                  (v)      upon 30 days prior notice by the Company if the
                           Company is not satisfied with the Consultants
                           performance under this Agreement.

         12. Company acknowledges that Consultant has and will continue to have
business relationships with others that will require a certain portion of
Consultant's time. Company acknowledges that Consultant may continue to devote
time to such persons, PROVIDED THAT such relationships do not conflict with, in
any way, Company's time and best efforts to provide services to Company
hereunder.

         13. Company acknowledges that Consultant's services hereunder are
personal in character, and neither this Consulting Agreement, nor any rights or
benefits arising thereunder may be assigned by the Consultant, without Company's
prior consent.

         14. All notices, offers, acceptance and any other acts under this
Agreement (except payment) shall be in writing, and shall be sufficiently given
if delivered to the addressees in person, by Federal Express or similar
receipted delivery, by facsimile delivery or, if mailed, postage prepaid, by
certified mail, return receipt requested, to the addresses listed above or to
such other address as either of them, by notice to the other may designate from
time to time. The transmission confirmation receipt from the sender's facsimile
machine shall be conclusive evidence of successful facsimile delivery. Time
shall be counted to, or from, as the case may be, the delivery in person or by
mailing.

         15. The provisions of this Consulting Agreement shall inure to the
benefit of and be binding upon the parties, their successors and permitted
assigns. For this purpose, the terms "successors" and "assigns" shall include
any entity which at any time, whether by merger, purchase or otherwise, shall
acquire substantially all of Company's assets or operations.

         16. Each provision herein is intended to be severable and if any such
provision is deemed to be illegal, or invalid for any reason, such illegality or
invalidity shall not affect the remainder of this Agreement.

<PAGE>

         17. This Agreement shall primarily be performed in the State of
California, and it shall be construed and enforced in accordance with, and the
rights of the parties shall be governed by, the laws of that state applicable to
contracts made and to be performed in that state. This Agreement may not be
changed, except by an instrument in writing signed by the party against whom or
which enforcement of any waiver, change, modification or discharge is sought.

<PAGE>

         IN WITNESS WHEREOF, this Agreement has been executed as of the day,
month and year first above written.

THE COMMON SEAL of                  )
WHOODOO.COM (DELAWARE)              )                c/s
hereto affixed in the presence of:  )
                                    )
                                    )
____________________________________)          per: ____________________________
Witness                             )                Paolo Mylla
                                    )                WHOODOO.COM (Delaware)
____________________________________)
Witness

The Common Seal of                  )
MICHAEL BAYBAK AND                  )
COMPANY, INC. hereto affixed        )
in the presence of                  )          MICHAEL BAYBAK AND
                                    )          AND COMPANY, INC.
                                    )
                                    )
____________________________________)          per: ____________________________
Witness                             )                Michael Baybak
                                    )
____________________________________)          _________________________________
Witness                             )                President

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00001-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00001-of-00352.parquet"}]]