Document:

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                                                                   EXHIBIT 10.25

                              EMPLOYMENT AGREEMENT

THIS AGREEMENT is entered into effective as of the 1st day of December, 2000,
between PATRIOT SCIENTIFIC CORPORATION, a Delaware publicly traded corporation
(the "Company"), and Richard G. Blum ("Employee").

Employee, in consideration of the covenants and agreements hereinafter
contained, agrees as follows with respect to the employment of the Company of
Employee and Employees future business activities.

1. Employment: Term of Employment. The Company hereby employs Employee and
Employee hereby accepts such employment upon the terms and conditions
hereinafter set forth. Subject to the provisions for termination as hereinafter
provided, Employee's term of employment by the Company shall be from the date of
this agreement until December 31, 2002, and said employment shall continue after
such date until either party shall deliver written notice to the other party
hereto to the effect that the employment hereunder shall terminate thirty (30)
days from the giving of such notice. This Agreement will supersede all prior
written and oral agreements entered into by and between Company and Employee.
Employee acknowledges that he is free to enter into this agreement and is not
subject to any existing employment contract written or oral.

2. Services to be Rendered by Employee. Employee shall be subject to the
direction of the Board of Directors, or a duly authorized committee thereof and
his duties shall be those generally vested in the office of President and Chief
Executive Officer and Director for the corporation and he shall have such other
powers and duties as may be reasonably prescribed by the Board of Directors, or
a duly authorized committee thereof, and shall perform such duties as from time
to time may be decided upon by the Board of Directors, or a duly authorized
committee thereof, of the Company, including but not limited to, speaking for
and promoting the sale of the Company's product lines as public spokesman both
in print and television ads.

The Employee agrees that he will serve the Company faithfully and to the best of
his abilities, devoting substantially all his time, energy and skill to the
activities of the Company and the promotion of its interests. Employee shall not
serve as an officer or director or similar capacity with any other entity except
with the consent of the Board of Directors.

3. Compensation.

(a) For the services to be rendered by Employee during his employment by the
Company, the Company shall pay Employee a Base Salary of $192,000 (One hundred
ninety-two thousand) per annum during the term of this agreement, prorated for
any partial month and paid in conformity with the Company's normal payroll
period. Employee's salary shall be reviewed by the Board of Directors from time
to time in its discretion, and Employee will receive such salary increases, if
any, as the Board of Directors in its sole discretion determines.

(b) In addition to the Base Salary during each year of the term of employment,
the Employee will be eligible to receive an Annual Bonus equal to 50% of
Employee's Base Salary. The Annual Bonus shall be based upon the Employee's
achievement of specific quantitative and non-quantitative objectives related to
each fiscal year business plan established by the Company's Board of Directors
prior to each annual period in question, and approved by the Board based upon
milestones, to be paid within 60 days of employment anniversary.

(c) The Employee's place of employment shall be considered San Diego County,
California.

(d) Employee shall be entitled to participate in and receive benefits under the
Company's executive benefits plans as in effect from time to time, including,
specifically for Employee, medical insurance, sick leave, and vacation time,
subject to and on a basis consistent with the terms, conditions and overall
administration of such plans and Company policies. Specifically, Employee shall
be entitled to four (4) weeks of vacation for each year of employment.

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(e) The Company shall pay or reimburse Employee for all expenses normal
reimbursed by the Company and reasonably incurred by him in furtherance of his
duties hereunder and authorized by the Company, including without limitation,
expenses for entertainment, traveling, meals, hotel accommodations and the like
upon submission by him of vouchers or an itemized list thereof as the Board of
Directors; may from time to time adopt and authorize, and as may be required in
order to permit such payments as proper deductions to the Company under the
Internal Revenue Code of 1986 and the rules and regulations adopted pursuant
thereto now or hereafter in effect.

(f) All amounts payable or which become payable under any provision of this
Agreement will be subject to any deductions authorized in writing by you and any
deductions and withholdings required by law.

4. Indemnification.

(a) If, after the date of the commencement of the Employment Period, the
Employee is made a party or is threatened to be made a party to any action, suit
or proceeding, whether civil, criminal, administrative or investigative (a
"Proceeding"), by reason of the fact that he is or was a director or officer of
the Company or is or was serving at the request of the Company as a director,
officer, member, employee or agent of another corporation or partnership, joint
venture, trust or other enterprise, including service with respect to employee
benefit plans, whether or not the basis of such Proceeding is an alleged act or
failure to act in an official capacity as a director, officer, member, employee
or agent, he shall be indemnified and held harmless by the Company to the
fullest extent authorized by Delaware law, as the same exists or may hereafter
be amended, against all expense, liability and loss (including, without
limitation, attorneys' fees, judgments, fines and amounts paid or to be paid in
settlement) reasonably incurred or suffered by the Employee in connection
therewith, including, without limitation, payment of expenses incurred in
defending a Proceeding prior to the final disposition of such Proceeding
(subject to receipt of an undertaking by the Employee to repay such amount if it
shall ultimately be determined that the Employee is not entitled to be
indemnified by the Company under Delaware law), and such indemnification shall
continue as to the Employee even if he has ceased to be a director, officer,
member, employee or agent of the Company or other enterprise and shall inure to
the benefit of his heirs, executors and administrators.

(b) The right of indemnification and the payment of expenses incurred in
defending a Proceeding in advance of its final disposition conferred in this
Section 4 shall not be exclusive of any other right that the Employee may have
or hereafter may acquire under any statute, provision of the Certificate of
Incorporation or Bylaws of the Company, agreement, vote of shareholders or
disinterested directors or otherwise.

5. Termination of Employment.
(a) The Company shall have the right at its option to terminate the employment
of Employee hereunder by giving written notice thereof to the Employee in the
event of any of the following:

        (1) If the Board of Directors of the Company, or a duly authorized
        committee thereof, acting in good faith and upon reasonable grounds,
        determines that the Employee should be terminated for Cause. For
        purposes of this Agreement, "Cause" means, in each case as determined in
        good faith by the Board, Employee's (i) personal dishonesty, willful
        misconduct, or breach of fiduciary duty involving personal profit,
        and/or (ii) conviction of any felony law, and/or (iii) a determination
        or request by an appropriate regulatory authority that Employee be
        removed or disqualified from acting as an officer of the Company, and/or
        (iv) willful breach of a material provision of this Agreement after
        written notice, in reasonable detail as the alleged breach, has been
        given to you by the Board and you have had a reasonable opportunity to
        cure such breach. Notwithstanding the foregoing, the Employee shall not
        be deemed to have been terminated for Cause unless and until there shall
        have been delivered to the Employee (i) a copy of a resolution, duly
        adopted by the Board (excluding the Employee) at a meeting of the Board
        called and held for the purpose (after reasonable notice to the Employee
        of the meeting of the Board at which the motion is to be considered,
        which notice shall specify in reasonably detailed terms the facts and
        circumstances constituting Cause, and after the Employee, together with
        his counsel, having been afforded at such meeting an opportunity to be
        heard before the Board), finding that the Employee was guilty of conduct
        constituting Cause; (ii) a certificate of the Secretary or an Assistant
        Secretary of the Company stating that such resolution was in fact duly
        adopted by the Board (excluding the Employee); and (iii) a Notice of
        Termination in the form specified in the following sentence. A Notice of
        Termination shall indicate the specific termination provision in this
        Agreement relied upon and set forth in reasonable

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        detail the facts and circumstances of the Employee's employment under
        the provision so indicated and the actual termination effective date.

        (2) If the Company gives Employee thirty days advance written notice of
        termination of employment.

        (3) If the Employee dies during the term of employment, the Employee's
        employment hereunder and Employee's compensation and other rights under
        this Agreement and as an employee of the Company (except as to
        compensation rights accrued prior thereto and except as expressly
        provided in the next succeeding sentence) shall terminate thirty (30 )
        days following the date of death. In such event, the Company shall pay
        to the Employee's designated executor or administrator of the Employee's
        estate, all compensations and benefits accrued which would otherwise be
        payable to the Employee through the thirtieth (30) day following the
        date of death.

        (4) If the Employee is unable for any reason to carry out or to perform
        the duties required of him hereunder and does not resume his duties
        prior to the termination date specified in the Company's written notice
        of termination; provided, however, if the Employee shall fail to carry
        out or to perform the duties required of him because of mental or
        physical disability for a six consecutive month period during the term
        hereof and following such period he is unable to perform his duties
        hereunder because of mental or physical disability, as determined by the
        Board of Directors of the Company, or a duly authorized committee
        thereof, acting in good faith and upon reasonable grounds, he shall be
        entitled to receive his then Base Salary he would otherwise be entitled
        to hereunder during the term of this Agreement pursuant to Paragraph 3
        hereof for a period of not longer than twelve (12) months after the
        termination of his employment pursuant to this Paragraph 5(a) (4).

        (5) If this Agreement is terminated by the Company pursuant to Paragraph
        5(a)(2) hereof, then Employee shall be entitled to severance payments of
        (i) during the first six (6) months of this agreement equal to six (6)
        months of his then monthly Base Salary; and (ii) equal to twelve (12)
        months of his then monthly Base Salary and any bonus on an as if
        perfected basis payable in one lump sum within thirty (30) days after
        such effective termination of Employee's employment by the Company
        irrespective of the remaining term of this agreement.

(b) The Employee shall have the right at his sole option to terminate employment
hereunder under the following conditions:

        (1) at any time upon thirty (30) days written notice.

        (2) upon written notice by Employee to the Company within thirty (30)
        days of and indicating that a change in control of the Company
        ("Corporate Transaction") has occurred and therefore Employee elects to
        terminate as provided herein. A Corporate Transaction of the Company
        shall mean a change in control of a nature that would be required to be
        reported in response to Item 5(f) of Schedule 14A of Regulation 14A
        promulgated under the Securities Exchange Act of 1934, as amended (the
        "Exchange Act"); provided that, without limitation, such a change in
        control or other qualifying event shall be deemed to have occurred if
        (i) any "person" (as such term is used in Sections 13(d) and 14(d) of
        the Exchange Act) is or becomes the "beneficial owner" (as defined in
        Rule 13d-3 under the Exchange Act), directly or indirectly, of
        securities of the Company representing 50% or more of the combined
        voting power of the Company's then outstanding securities; or (ii) the
        Company sells, transfers or otherwise disposes of all or substantially
        all of the assets of the Company; or (iii) a merger or acquisition in
        which the Company is not the surviving entity (except for a merger into
        a wholly-owned subsidiary, and except for a transaction the sole purpose
        of which is to change domicile.

        (3) if termination by the Employee is pursuant to 5 (b) (1) then no
        severance or termination payments shall be payable. If termination is
        noticed pursuant to 5 (b) (2) hereof then Employee shall be entitled to
        a payment equal to the remaining months of this Agreement multiplied by
        the Base Salary and any bonus on an as if perfected basis payable in one
        lump sum within sixty (60) days. In addition, the Employee shall be
        entitled to recover legal fees and costs incurred by Employee should the
        Company not make timely payment prescribed by this section and should
        the Employee prevail in any action filed thereabout.

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6. Soliciting Customers. The Employee agrees that he will not for a period of
one (1) year immediately following the termination of his employment with the
Company, either directly or indirectly make known to any competing person, firm,
or corporation the names or addresses of any of the customers of the Company or
any other information pertaining to them that is not in the public domain.

7. Trade Secrets of the Company. The Employee prior to and during the term of
employment under this Agreement has had and will have access to and become
acquainted with various trade secrets, consisting of devices, secret inventions,
processes, and compilations of information, records, and specifications which
are owned by the Company, and which are regularly used or to be used in the
operation of the business of the Company. The Employee shall not disclose any of
the aforesaid trade secrets, directly or indirectly, or use them in any way,
either during the term of this agreement or for a period of 36 months
thereafter, except as required in the course of his employment. All files,
records, documents, drawings, specifications, equipment, and similar items
relating to the business of the Company, whether prepared by the Employee or
otherwise coming into his possession, shall remain the exclusive property of the
Company and shall not be removed under any circumstances from the premises of
the Company where the work is being carried on without prior written consent of
the Company or consistent with the Company's normal business practices.

8. Inventions and Patents.

 (a) The Employee agrees that as to any inventions made by him during the term
of his employment, solely or jointly with others, which are made with the
equipment, supplies, facilities or trade secret information of the Company, or
which relate at the time of the conception or reduction to purchase of the
invention to the business of the Company or the Company's actual or demonstrably
anticipated research and development, or which result from any work performed by
the Employee for the Company, shall belong to the Company and the Employee
promises to assign such inventions to the Company. The Employee also agrees that
the Company shall have the right to keep such inventions as trade secrets, if
the Company chooses. The Employee agrees to assign to the Company the Employee's
rights in any other inventions where the Company is required to grant those
rights to the United States government or any agency thereof. In order to permit
the Company to claim rights to which it may be entitled, the Employee agrees to
disclose to the Company in confidence all inventions which the Employee makes
arising out of the Employee's employment and all patent application filed by the
Employee within one year after the termination of his employment.

(b) The Employee shall assist the Company in obtaining patents on all
inventions, designs, improvements, and discoveries patentable by the Company in
the United States and in all foreign countries, and shall execute all documents
and do all things necessary to obtain letters patent, to vest the Company with
full and extensive title thereto, and to protect the same against infringement
by others. Any assistance after termination shall be at the Company's expense.

9. Stock Options.

(a) The Employee has been granted stock options on 300,000 shares, subject to
vesting, in connection with this employment agreement. The Company agrees that
if it should cause the registration of any stock options of any senior officers
that it will include the option shares of the Employee with any registration
statement, subject to qualification, at no cost to Employee. Subject to Board of
Director approval, the Company may file a registration statement on Form S-8, if
so registerable on such form, covering the shares issuable on option exercise.

(b) Subject to the provisions of Section 9(b) hereof, immediately prior to the
closing of a transaction as described in Section 5(b)(2) ("Corporate
Transaction"), the exerciseability of each option granted to you to purchase
shares of Common Stock that is outstanding immediately prior to the closing of
such Corporate Transaction, will be automatically accelerated so that each such
option will, immediately prior to the closing date for the Corporate
Transaction, become fully exerciseable with respect to the total number of
shares issuable upon exercise thereof and may be exercised prior to the closing
of such Corporate Transaction for all or any portion of such shares.

10. Severability. Each paragraph and subparagraph of this Agreement shall be
construed and considered separate and severable from the validity and
enforceability of any other provision contained in this Agreement.

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11. Assignment. The rights of the Company (but not its obligations) under this
Agreement may, without the consent of the Employee, be assigned by the Company
to any parent, subsidiary, or successor of the Company; provided that such
parent, subsidiary or successor acknowledges in writing that it is also bound by
the terms and obligations of this Agreement. Except as provided in the preceding
sentence, the Company may not assign all or any of its rights, duties or
obligations hereunder without prior written consent of Employee. The Employee
may not assign all or any of his rights, duties or obligations hereunder without
the prior written consent of the Company.

12. Notices. All notices, requests, demands and other communications shall be in
writing and shall be defined to have been duly given if delivered or if mailed
by registered mail, postage prepaid:

(a) If to Employee, addressed to him at the following address as may be changed
in writing from time to time:
        R. G. Blum
        3314 Caminito Cabo Viejo.
        Del Mar, CA 92o14

(b) If to the Company, addressed to:
        Patriot Scientific Corporation
        10989 Via Frontera
        San Diego, California 92127

or to such other address as any party hereto may request by notice given as
aforesaid to the other parties hereto.

13. Title and Headings. Titles and headings to paragraphs hereof are for
purposes of references only and shall in no way limit, define or otherwise
affect the provisions hereof.

14. Governing Law. This Agreement is being executed and delivered and is
intended to be performed in the State of California, and shall be governed by
and construed in accordance with the laws of the State of California.

15. Counterparts. This Agreement may be executed simultaneously in two or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument. It shall not be necessary
in making proof of this Agreement to produce or account for more than one
original counterpart.

16. Cumulative Rights. Each and all of the various rights, powers and remedies
of the Company and Employee in this Agreement shall be considered as cumulative,
with and in addition to any other rights, powers or remedies of the Company or
the Employee and no one of them as exclusive of the others or as exclusive of
any other rights, powers and remedies allowed by law. The exercise or partial
exercise of any right, power or remedy shall neither constitute the election
thereof nor the waiver of any other right, power or remedy. Sections 4, 6, 7 and
8 hereof shall continue in full force and effect notwithstanding the Employee's
termination of employment and the termination of this Agreement.

17. Remedies. The Employee and the Company both acknowledge that each may have
no adequate remedy at law if either violates any of the terms contained in
Sections 6, 7 and 8. In such event, either party shall have the right, in
addition to any other rights it may have, to obtain relief to restrain any
breach hereof or otherwise to specifically enforce any of the provisions hereof.

18. Waiver of Breach. The waiver by one party to this Agreement of a breach of
any provision of this Agreement by the other party shall not operate or be
construed as a waiver of any subsequent breach by the said party .

19. Entire Agreement. This Agreement contains the entire agreement of the
parties hereto and may be modified or amended only by a written instrument
executed by parties hereto. Effective on the date hereof, any prior employment
agreements between the Company and the Employee shall terminate.

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20. Attorney's Fees. In the event that either party must institute legal action
to compel the other to comply with the terms of this Agreement, the prevailing
party shall be entitled to reasonable attorneys' fees and costs.

21. Good Faith. Each of the parties hereto agrees that he or it shall act in
good faith in all actions taken under this Agreement.

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

        /S/ LOWELL W. GIFFHORN                     November 28, 2000
------------------------------------
Lowell W. Giffhorn
Exec. V.P. & Chief Financial Officer

        /S/ RICHARD G. BLUM                        November 29, 2000
------------------------------------
Richard G. Blum, Employee

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                          PROGRAM PROMOTION AGREEMENT
                          ---------------------------

         AGREEMENT, dated as of December 15, 2000, by and between PlasmaNet,
Inc., a Delaware corporation having its principal place of business at 420
Lexington Avenue, Suite 2435, New York, NY 10170 ("PlasmaNet"); Return Assured
Incorporated, a Delaware corporation having its principal place of business at
1901 Avenue of the Stars, Suite 1710, Los Angeles, California 90067 ("Parent");
and Return Assured Incorporated, a Nevada corporation, which is a wholly-owned
subsidiary of Parent, having its principal place of business at 1901 Avenue of
the Stars, Suite 1710, Los Angeles, California 90067 ("Client"). The parties
hereinafter referred to as the "Parties".

                                    RECITALS

         WHEREAS, PlasmaNet owns and operates FreeLotto.com ("FreeLotto"), an
Internet web site presenting sweepstakes games in lottery format pursuant to
which users enter for free by clicking on an ad banner or answering a
consumer-oriented question to enter their selections (a "FreeBet"); and

         WHEREAS, Client intends to furnish Internet users with an online credit
card protection program (the "Program") and seeks to have PlasmaNet refer site
traffic to Client for the purpose of generating enrollments in the Program on
the terms and conditions hereinafter set forth;

         NOW, THEREFORE, the parties hereto, intending to be legally bound,
hereby agree as follows:

         1.       Program Description. PlasmaNet will refer site traffic to
Client for the purpose of new membership generation with a target of a minimum
of 1,000,000 registrations by Client within four (4) months of the launch of the
Program. To accomplish registration, each prospective member will be required to
provide his name, e-mail address, and postal address, and must be at least 21
years of age. Fraudulent registrations are not recognized. In addition,
PlasmaNet will use its best commercial efforts to assist Client in collecting
credit card information from the new members with such new members' consent.

         2.       Economics
                  ---------

                  (a)      In exchange for the above-mentioned membership
generation, and in reliance on the investment representation letter annexed
hereto, Parent will, at the end of each calendar week, issue shares of its
common stock, $0.001 par value per share, to PlasmaNet (the "Parent Shares"),
according to the following formula:

S= (M x 6) / (P)

where:

S= number of Parent Shares to be issued and delivered to PlasmaNet for that
calendar week

M= number of new members referred by PlasmaNet and registered by Client in that
calendar week

P= The average last sale price of Parent's common stock as reported by the
Nasdaq Stock Market during that calendar week, but not less than $1.00

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                  (b)      Upon the execution hereof by the Parties, Parent will
deliver common stock certificates representing one million four hundred thousand
(1,400,000) Parent Shares in the name of PlasmaNet and deliver said certificates
to Kaplan Gottbetter & Levenson, LLP as escrow agent, pursuant to the escrow
agreement annexed hereto, in the denomination of certificates evidencing 50,000
Parent Shares each. As soon as practicable after Parent files its Form 10-KSB
for the year ended August 31, 2000, Parent will file a registration statement on
Form S-3, or such other form if Form S-3 is not available, to register the
resale of the Parent Shares by PlasmaNet. PlasmaNet agrees to a contractual
lock-up period of thirty (30) days commencing upon receipt of unrestricted
Parent Shares in the form annexed hereto.

                  (c)      Certificates representing the Parent Shares shall be
delivered to PlasmaNet within three (3) trading days after the end of each
calendar week, except for certificates evidencing shares of less than 50,000
shares. Any shares due to PlasmaNet in amounts less than 50,000 shall be
delivered within five (5) trading days.

                  (d)      Within five (5) trading days of both parties signing
this Agreement, Parent shall transfer a number of its shares of common stock
(the "Initial Parent Shares") as pre-payment for the first 200,000 members
referred by PlasmaNet. The number of the Initial Parent Shares is 542,066 (which
is calculated as (200,000 x 6)/average listed share price in the first five
working days of trading + 10% premium).

                  (e)      If PlasmaNet refers less than 200,000 members within
sixty (60) days of the launch of the Program, then PlasmaNet shall surrender to
Parent certificates representing the number of Parent Shares according to the
following formula:

C=542,066 x ((200,000-N)/200,000)

where:

N= number of new members referred by PlasmaNet and registered by Client within
sixty (60) days of the launch of the Program

C= number of Parent Shares to be canceled and surrendered by PlasmaNet to Parent

                  (f)      Should PlasmaNet transfer more than 1,000,000 members
to Client within four (4) months of the launch of the Program, PlasmaNet shall
receive, at Client's option, either in common stock of the Parent, on the same
terms and conditions as described above, or in cash at $5 for each member in
excess of 1,000,000, with a maximum limit of $500,000 to be paid to PlasmaNet
unless a new agreement is signed between the parties.

         3.       Reporting. Client shall provide a weekly statement (by fax or
email) indicating total referrals received and total number of resulting
membership registrations for the preceding week. As a means of verification,
Client will place 1 pixel of code on the page subsequent to the registration,
which will be served and counted by FreeLotto's server. PlasmaNet will have a
right, at its own expense, to audit the registration figures on Client's servers
on seven (7) days' written notice to Client. In the event that the audit reveals
a difference with the membership figures communicated by Client, such difference
being in Client's favor, Client shall pay the amount corresponding to the
difference to PlasmaNet within seven (7) days and pay for reasonable costs
related to the audit.

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         4.       Renewal Option. Client will have the option to renew this
agreement upon the same terms and conditions, for another 1,000,000 members. The
option will have to be exercised in writing within four (4) months of the launch
of the Program.

         5.       Press Release. Both parties shall coordinate and agree upon a
press release announcing this Agreement, which press release shall be
disseminated one week after the Client/FreeLotto link is introduced on the
FreeLotto site and is functioning to the satisfaction of both parties.

         6.       Intellectual Property Rights. PlasmaNet is and shall remain
the owner of all intellectual property rights associated with FreeLotto,
including without limitation all copyright and trademark rights. Client is and
shall remain the owner of all intellectual property rights in the Client web
site, including without limitation copyrights and trademarks, including, without
limitation the mark "Return Assured". Each party reserves all rights not
otherwise granted in this Agreement. PlasmaNet hereby grants to Client a
limited, non-exclusive, royalty-free, non-assignable and non-transferable
license to use and display the FreeLotto logo and such other of PlasmaNet's
intellectual property, and Client hereby grants to PlasmaNet a limited,
non-exclusive, royalty-free, non-assignable and non-transferable license to use
and display the Client logo and such other of Client's intellectual property, as
is necessary for the fulfillment of their respective obligations under this
Agreement.

         7.       Indemnities
                  -----------

                  (a)      Client represents and warrants that it has the right
to grant the rights granted to PlasmaNet hereunder and that neither the rights
granted to Client hereunder, nor the exercise of such rights will infringe upon
or conflict with the rights held by any third party under any trademark,
copyright, trade secret or other proprietary right. Client shall indemnify,
defend and hold harmless PlasmaNet, its directors, officers, employees, agents
and assigns from and against any and all losses, claims, damages, liabilities,
judgments, costs and expenses (including reasonable attorneys' fees) resulting
from or arising out of (i) any of the foregoing representations and warranties
being false or inaccurate in any way, or (ii) Client's material breach of this
Agreement. PlasmaNet shall notify Client promptly of any such claim or
litigation, and shall cooperate with Client in every reasonable way, at Client's
expense, to facilitate the defense of such claim or litigation. In no event
shall the amount indemnified exceed the consideration paid or received by the
indemnified party.

                  (b)      PlasmaNet represents and warrants that it has the
right to grant the rights granted to Client hereunder and that neither the
rights granted to Client hereunder, nor the exercise of such rights will
infringe upon or conflict with the rights held by any third party under any
trademark, copyright, trade secret or other proprietary right. PlasmaNet shall
indemnify, defend and hold harmless Client, its directors, officers, employees,
agents and assigns from and against any and all claims, losses, damages,
liabilities, judgments, costs and expenses (including reasonable attorneys'
fees) resulting from or arising out of (i) any of the foregoing representations
and warranties being false or inaccurate in any way, or (ii) PlasmaNet's
material breach of this Agreement. Client shall notify PlasmaNet promptly of any
such claim or litigation, and shall cooperate with PlasmaNet in every reasonable
way, at PlasmaNet's expense, to facilitate the defense of such claim or
litigation. In no event shall the amount indemnified exceed the consideration
paid or received by the indemnified party.

                  (c)      It is acknowledged and agreed by the parties that
Client alone is responsible for the content and operation of the Program and the
payment of any claims made by any person who joins the Program. Client hereby
expressly indemnifies PlasmaNet and holds PlasmaNet harmless from and against
any and all losses, liabilities, claims or lawsuits, including expenses in
connection with the defense thereof, relating to or arising out of the Program.

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         8.       Confidentiality. Each Party (the "Receiving Party")
acknowledges that by reason of its relationship with the other party (the
"Disclosing Party") hereunder, the Receiving Party will have access to certain
information and materials concerning the Disclosing Party's business, financial
information, business plans, technology and business strategies, inventions, and
new products or services, ("Confidential Information"). The terms and conditions
set forth in this Agreement shall be Confidential Information. The Receiving
Party acknowledges and agrees that the Disclosing Party's Confidential
Information is of substantial value to the Disclosing Party, which value would
be harmed if such information were disclosed to third parties. The Receiving
Party agrees that it shall not use (except in the proper performance of its
obligations under this Agreement) in any way for its own account or the account
of any third party, nor disclose to any third party, such Confidential
Information. The Receiving Party may disclose the Disclosing Party's
Confidential Information to its employees and contractors who need to know such
information, provided such employees and contractor have signed confidentiality
agreements with terms no less restrictive than the terms in this Agreement. The
Receiving Party shall not publish in any form the Disclosing Party's
Confidential Information beyond any descriptions published by the Disclosing
Party. The obligations in this Section shall survive the termination of this
Agreement. Confidential Information does not include any information that the
Receiving Party can demonstrate by written records (a) was known to the
Receiving Party prior to its disclosure hereunder by the Disclosing Party; (b)
was independently developed by the Receiving Party without reference to the
Disclosing Party's Confidential Information; (c) is or becomes publicly known
through no wrongful act of the Receiving Party; (d) has been rightfully received
from a third party whom the Receiving Party has reasonable grounds to believe is
authorized to make such disclosure without restriction; or (e) has been approved
for public release by the Disclosing Party's prior written authorization.
Confidential Information may be disclosed pursuant to applicable law,
regulations or court order, provided that the Receiving Party provides prompt
advance notice thereof to enable the Disclosing Party to seek protective order
or otherwise prevent such disclosure. In addition, each party may disclose the
existence and terms of this Agreement in connection with a potential acquisition
of substantially the entire business of a party or a private or public offering
of a party's securities, but only as necessary to effectuate the particular
transaction.

         9.       Miscellaneous.
                  --------------

                  (a)      Notices. All notices or reports permitted or required
under this Agreement shall be in writing and shall be delivered by personal
delivery, facsimile (provided that proof of transmission is retained),
nationally-recognized overnight air carrier, or by certified or registered mail,
return receipt requested, and shall be deemed given upon (i) the date of
personal delivery or facsimile, (ii) one business day after deposit with a
nationally-recognized overnight air-carrier, or (iii) five (5) days after
deposit in the mail. Notices shall be sent to the address set forth in the first
paragraph of this Agreement, or other such address as either party may specify
in writing to the other.

                  (b)      Force Majeure Except for the payment obligations of a
party, neither party will be liable to the other party arising out of delays or
failures to perform under this Agreement to the extent that any such delays or
failures result from any cause beyond the reasonable control of the party
affected.

                                       4

<PAGE>

                  (c)      Relationship. Both parties are independent
contractors and neither party is the legal representative, agent, joint venture,
partner, or employee of the other party for any purpose whatsoever. Neither
party has any right or authority to assume or create any obligations of any kind
or to make any representation or warranty on behalf of the other party, whether
express or implied.

                  (d)      Governing Law and Jurisdiction. This Agreement will
be governed in all respects by the laws of the State of New York. The prevailing
party in any such litigation or dispute will be entitled to recover from the
other party its costs, including reasonable attorneys' fees, associated with
such litigation or dispute.

                  (e)      Waiver and Severability. No failure or delay on the
part of either party in exercising any right or remedy hereunder will operate as
a waiver thereof; nor will any single or partial exercise of any such right or
remedy preclude any other or further exercise thereof or of any other right or
remedy. No provision of this Agreement may be waived except in a writing signed
by the party granting such waiver. In the event that any provision of this
Agreement will be unenforceable or invalid such unenforceability or invalidity
will not render this Agreement unenforceable or invalid as a whole, and in such
event, such provision will be changed and interpreted so as to best accomplish
the objectives of such unenforceable or invalid provision within the limits of
applicable law or applicable court decisions.

                  (f)      No Assignment. Neither this Agreement nor any rights
or obligations in this Agreement may be assigned or delegated by either party
without the prior written consent of the other, provided however, that in the
event of a merger, reorganization or acquisition of all or substantially all the
assets of either party, no such consent shall be required.

                  (g)      Headings. The section headings in this Agreement are
inserted as a matter of convenience and in no way define, limit, or describe the
scope of extent of such section, or affect the interpretation of this Agreement.

                  (h)      Counterparts This Agreement may be executed in
counterparts, all of which taken together shall constitute one single agreement
between the Parties.

         10.      Change of Control. Client and Parent shall have the option to
terminate this Agreement upon 30 days written notice in case of a change of
control of PlasmaNet, and immediately upon notice in case the company taking
control of PlasmaNet is involved in activities competing directly with the core
business of Parent or Client. PlasmaNet shall have the option to terminate this
Agreement upon 30 days written notice in case of a change of control of either
Client or Parent, and immediately upon notice in case (i) the company taking
control of either Client or Parent or (ii) a company over which Client or Parent
takes control, is involved in activities competing directly with the core
business of PlasmaNet.

         11.      Entire Agreement. This Agreement and the exhibits attached
hereto constitute the entire agreement between the parties with respect to the
subject matter hereof. This Agreement supersedes, and the terms of this
Agreement govern, any prior or collateral agreements, whether oral or written,
with respect to the subject matter hereof with the exception of any prior
confidentiality agreements between the Parties. This Agreement may only be
changed by mutual agreement of authorized representatives of Parties in writing.

                                       5

<PAGE>

         12.      Termination.
                  -----------

                  (a)      This Agreement shall automatically terminate one (1)
year from the date hereof.

                  (b)      Client or Parent may terminate this Agreement upon
ten (10) days' written notice to PlasmaNet if:

                           (i)      PlasmaNet refers less than 200,000 members
within sixty (60) days of the launch of the Program; or

                           (ii)     PlasmaNet materially breaches any provisions
of this Agreement or any exhibit referenced herein and fails to cure within ten
(10) days after written notice from Client or Parent of such breach.

                  (c)      Client or Parent may terminate this Agreement
immediately upon PlasmaNet receiving an aggregate of 1,400,000 Parent Shares
under this Agreement.

                  (d)      PlasmaNet may terminate this Agreement upon ten (10)
days' written notice to Client if Parent or Client materially breaches any
provisions of this Agreement or any exhibit referenced herein and fails to cure
within ten (10) days after written notice from PlasmaNet of such breach.

                         [Signatures on following page]

                                       6

<PAGE>

         IN WITNESS WHEREOF, the Parties hereto have duly executed this
Agreement as of the date first written above.

Client:                                      PlasmaNet:

Return Assured Incorporated                  PlasmaNet, Inc.

By: /s/ MATTHEW SEBAL                        By: /s/ ALAIN RENAUD
   --------------------------------             --------------------------------
   Name:  Matthew Sebal                         Name:  Alain Renaud
   Title: President                             Title: VP Business Development

Parent:

Return Assured Incorporated

By: /s/ MATTHEW SEBAL
   --------------------------------
   Name:  Matthew Sebal
   Title: President

                                       7

<PAGE>

December 15, 2000

Return Assured Incorporated
1901 Avenue of the Stars, Suite 1710
Los Angeles, California 90067

Gentlemen,

         The undersigned hereby represents and warrants to you as follows:

         (i)      The undersigned has received and carefully reviewed any such
information and documentation relating to you that the undersigned has
requested;

         (ii)     The undersigned has had a reasonable opportunity to ask
questions of and receive answers from you concerning your business and the
securities the undersigned has, or shall acquire from you, and all such
questions, if any, have been answered to the full satisfaction of the
undersigned;

         (iii)    The undersigned has such knowledge and expertise in financial
and business matters that the undersigned is capable of evaluating the merits
and risks involved in an investment in your securities;

         (iv)     The undersigned understands that you have determined that the
exemption from the registration provisions of the Securities Act of 1933, as
amended (the "Act"), provided by Rule 506 of Regulation D is applicable to the
offer and sale of the securities to the undersigned, based, in part, upon the
representations and warranties made by the undersigned herein;

         (v)      The undersigned understands that (A) the securities have not
been registered under the Act or the securities laws of any state, based upon an
exemption from such registration requirements for non-public offerings pursuant
to Rule 506 of Regulation D under the Act; (B) the securities are and will be
"restricted securities", as said term is defined in Rule 144 of the Rules and
Regulations promulgated under the Act; (C) the securities may not be sold or
otherwise transferred unless they have been first registered under the Act
and/or all applicable state securities laws, or unless exemptions from such
registration provisions are available with respect to said resale or transfer;
and (D) other than as set forth in the Program Promotion Agreement between the
undersigned and you, et al, dated December 15, 2000, you are under no obligation
to register the securities under the Act or any state securities law, or to take
any action to make any exemption from any such registration provisions
available;

         (vi)     The undersigned will not sell or otherwise transfer any of the
securities, or any interest therein, unless and until (A) said securities shall
have first been registered under the Act and/or all applicable state securities
laws; or (B) the undersigned shall have first delivered to you a written opinion
of counsel (which counsel and opinion (in form and substance) shall be
reasonably satisfactory to you), to the effect that the proposed sale or
transfer is exempt from the registration provisions of the Act and all
applicable state securities laws;

         (vii)    The undersigned is an "accredited investor," as such term is
defined in Rule 501(a) of Regulation D of the Rules and Regulations promulgated
under the Act in that the undersigned is a corporation with assets of at least
$5,000,000;

                                       1

<PAGE>

         (viii)   The undersigned is purchasing the securities for investment
purposes only, and without a view for resale or distribution of the securities.

         (ix)     The undersigned understands that the certificates representing
the securities will bear the following legend:

THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER
THE SECURITIES ACT OF 1933, AS AMENDED AND MAY NOT BE SOLD, TRANSFERRED,
PLEDGED, HYPOTHECATED OR OTHERWISE DISPOSED OF IN ABSENCE OF (I) AN EFFECTIVE
REGISTRATION STATEMENT FOR SUCH SECURITIES UNDER SAID ACT OR (II) AN OPINION OF
COMPANY COUNSEL THAT SUCH REGISTRATION IS NOT REQUIRED.

PlasmaNet, Inc.

By: /s/ ALAIN RENAUD
   --------------------------------
   Name:  Alain Renaud
   Title: VP Business Development

                                       2

<PAGE>

                               LOCK-UP AGREEMENT

December 15, 2000

Return Assured Incorporated
1901 Avenue of the Stars, Suite 1710
Los Angeles, California 90067

The undersigned hereby agrees not to offer to sell, contract to sell or
otherwise sell, dispose of, loan, pledge or grant any rights with respect to
(collectively, a "Disposition") any shares of common stock, any options or
warrants to purchase any shares of common stock or any securities convertible
into or exchangeable for shares of common stock of Return Assured Incorporated,
a Delaware corporation issued, from time to time, pursuant to the Program
Promotion Agreement between the undersigned and Return Assured Incorporated, et
al, dated December 15, 2000, (collectively, the "Securities"), now owned or
hereafter acquired by the undersigned or with respect to which the undersigned
has or hereafter acquires the power of disposition, for the period commencing
the later of (i) the date the Securities were issued or (ii) the date a
registration statement registering the resale of the securities is declared
effective by the Securities and Exchange Commission through the date thirty (30)
days later (the "Lock-Up Period"), and may make a Disposition of such Securities
owned by the undersigned during the Lock-Up Period only with the prior written
consent of Return Assured Incorporated.

The foregoing restriction is expressly agreed to preclude the holder of the
Securities from engaging in any hedging or other transaction which is designed
to or reasonably expected to lead to or result in a Disposition of Securities
during the Lock-Up Period even if such Securities would be disposed of by
someone other than the undersigned. Such prohibited hedging or other
transactions would include without limitation any short sale (whether or not
against the box) or any purchase, sale or grant of any right (including without
limitation any put or call option) with respect to any Securities or with
respect to any security (other than a broad-based market basket or index) that
includes, relates to or derives any significant part of its value from
Securities.

Certificates evidencing the Securities may contain the following legend:

         The securities evidenced by this certificate are subject to a Lock-Up
         Agreement dated December 15, 2000 by and among the holder of this
         certificate and Return Assured Incorporated, a copy of which is on file
         with Return Assured Incorporated, and may not be sold, conveyed,
         encumbered, hypothecated or otherwise transferred except with the prior
         written consent of Return Assured Incorporated.

                                       1

<PAGE>

Furthermore, the undersigned hereby agrees and consents to the entry of stop
transfer instructions with the transfer agent against the transfer of the
Securities held by the undersigned except in compliance with this Lock-Up
Agreement.

Very truly yours,

PlasmaNet, Inc.

By: /s/ ALAIN RENAUD
   --------------------------------
   Name:  Alain Renaud
   Title: VP Business Development

Accepted as of the date first set forth above:

Return Assured Incorporated

By: /s/ MATTHEW SEBAL
   --------------------------------
   Matthew Sebal
   President

                                       2

<PAGE>

                                ESCROW AGREEMENT

         ESCROW AGREEMENT (the "Agreement"), dated as of December 15, 2000, by
and among PlasmaNet, Inc., a Delaware corporation having its principal place of
business at 420 Lexington Avenue, Suite 2435, New York, NY 10170 ("PlasmaNet"),
Return Assured Incorporated, a Delaware corporation having its principal place
of business at 1901 Avenue of the Stars, Suite 1710, Los Angeles, California
90067 ("Parent"), Return Assured Incorporated, a Nevada corporation having its
principal place of business at 1901 Avenue of the Stars, Suite 1710, Los
Angeles, California 90067, and wholly-owned subsidiary of Parent ("Client"), and
Kaplan Gottbetter & Levenson, LLP, a New York limited liability partnership with
its principal place of business at 630 Third Avenue, New York, NY 10017 (the
"Escrow Agent").

                                   Recitals:

         Whereas, PlasmaNet, Parent and Client entered into a Program Promotion
Agreement dated December 15, 2000 (the "Program Promotion Agreement"); and

         Whereas, PlasmaNet, Parent and Client wish the Escrow Agent to act as
escrow agent with respect to the Shares (as defined below), and the Escrow Agent
is willing to act as escrow agent, pursuant to the terms of this Agreement.

         Now, therefore, in consideration of the premises and other good and
valuable consideration, the sufficiency of which is hereby acknowledged, the
parties agree as follows:

         1.       Deposit in Escrow Account. Parent shall irrevocably deposit
One Million Four Hundred (1,400,000) shares of common stock, par value $.001 per
share (the "Common Stock"), of Return Assured Incorporated, a Delaware
corporation (the "Shares"), in escrow with the Escrow Agent (the "Escrowed
Shares"). The Escrowed Shares shall be delivered to the Escrow Agent in the form
of:

                  (a)      seventeen certificates for 50,000 Shares each;

                  (b)      one certificate for 542,066 Shares; and

                  (c)      and one certificate for the balance of 7,934 Shares.

PlasmaNet, Parent and Client hereby acknowledge during the term of this
Agreement, that the Shares shall not be deemed issued for any purpose until
delivered to PlasmaNet in accordance herewith.

         2.       Terms of Escrow.
                  ---------------

                  (a)      Upon receipt of certificates representing the Shares,
the Escrow Agent is directed to deliver or cause to be delivered to PlasmaNet
Escrowed Shares equaling 542,066 Shares.

                  (b)      After receipt of certificates representing the
Shares, Client shall, from time to time, in accordance with the Program
Promotion Agreement, deliver to Escrow Agent and PlasmaNet a schedule stating
the number of Escrowed Shares to be delivered to PlasmaNet, which schedule shall
show the method of calculation of the Escrowed Shares to be delivered. If
PlasmaNet does not notify Escrow Agent of its dissent to the calculation

                                       1

<PAGE>

by 5:00 p.m., New York time, on the second trading day after Client delivered
the schedule, then Escrow Agent shall deliver the certificates representing the
number of Escrowed Shares within three (3) trading days, unless the number of
Escrowed Shares to be delivered is less than 50,000, then the certificates shall
be delivered within five (5) trading days. In the event that the Escrow Agent
does not have certificates representing the exact number of Shares to be
delivered to PlasmaNet, the Escrow Agent shall deliver to PlasmaNet from the
Escrowed Shares as many Shares as possible within three (3) trading days and
then deliver the balance to PlasmaNet within five (5) trading days after it has
received new certificates from the transfer agent for Parent.

                  (c)      If PlasmaNet timely notifies Escrow Agent of that
PlasmaNet disputes the schedule, then Escrow Agent shall deliver the
certificates representing the number of Escrowed Shares not in dispute in
accordance with Paragraph 2(b) and Escrow Agent may, at its option, hold the
number of Escrowed Shares in dispute until the parties agree and deliver a
written statement executed by Parent, Client and PlasmaNet as to the agreed
number of Escrowed Shares to be delivered, or deposit the Escrowed Shares in
dispute with any court of competent jurisdiction.

         3.       Duties and Obligations of the Escrow Agent.
                  ------------------------------------------

                  (a)      The parties hereto agree that the duties and
obligations of the Escrow Agent are only such as are herein specifically
provided and no other. The Escrow Agent's duty is to manage the distribution of
Shares to PlasmaNet in accordance with the terms of this Agreement only, and the
Escrow Agent shall incur no liability whatsoever, except as a direct result of
its willful misconduct or gross negligence.

                  (b)      The Escrow Agent may consult with counsel of its
choice, and shall not be liable for any action taken, suffered or omitted by it
in accordance with the advice of such counsel.

                  (c)      The Escrow Agent shall not be bound in any way by the
terms of any other agreement to which Parent and PlasmaNet are parties, whether
or not it has knowledge thereof, and the Escrow Agent shall not in any way be
required to determine whether or not any other agreement has been complied with
by Parent and PlasmaNet, or any other party thereto. The Escrow Agent shall not
be bound by any modification, amendment, termination, cancellation, rescission
or supersession of this Agreement unless the same shall be in writing and signed
jointly by Parent and PlasmaNet, and agreed to in writing by the Escrow Agent.

                  (d)      If the Escrow Agent shall be uncertain as to its
duties or rights hereunder or shall receive instructions, claims or demands
which, in its opinion, are in conflict with any of the provisions of this
Agreement, it shall be entitled to refrain from taking any action, other than to
keep safely all property held in escrow or to take certain action, until it
shall jointly be directed otherwise in writing by Parent and PlasmaNet or by a
final judgment of a court of competent jurisdiction.

                  (e)      The Escrow Agent shall be fully protected in relying
upon any written notice, demand, certificate or document which it, in good
faith, believes to be genuine. The Escrow Agent shall not be responsible for the
sufficiency or accuracy of the form, execution, validity or genuineness of
documents or securities now or hereafter deposited hereunder, or of any
endorsement thereon, or for any lack of endorsement thereon, or for any
description therein; nor shall the Escrow Agent be responsible or liable in any
respect on account of the identity, authority or rights of the persons executing
or delivering or purporting to execute or deliver any such document, security or
endorsement.

                                       2

<PAGE>

                  (f)      The Escrow Agent shall not be required to institute
legal proceedings of any kind and shall not be required to defend any legal
proceedings that may be instituted against it or in respect of the Escrowed
Shares.

                  (g)      If the Escrow Agent at any time, in its sole
discretion, deems it necessary or advisable to relinquish custody of the
Escrowed Shares, it may do so by delivering the same to any other escrow agent
mutually agreeable to Parent and PlasmaNet and, if no such escrow agent shall be
selected within three (3) days of the Escrow Agent's notification to Parent and
PlasmaNet of its desire to so relinquish custody of the Escrowed Shares, then
the Escrow Agent may do so by delivering the Escrowed Shares to the clerk or
other proper officer of a court of competent jurisdiction as may be permitted by
law. The fee of any court officer shall be borne by PlasmaNet and Parent. Upon
such delivery, the Escrow Agent shall be discharged from any and all
responsibility or liability with respect to the Escrowed Shares and this
Agreement and Parent shall promptly pay to the Escrow Agent all monies which may
be owed it for its services hereunder, including, but not limited to,
reimbursement of its out-of-pocket expenses.

                  (h)      This Agreement shall not create any fiduciary duty on
the Escrow Agent's part to Parent or PlasmaNet, nor disqualify the Escrow Agent
from representing either party hereto in any dispute with the other, including
any dispute with respect to the Escrowed Shares.

                  (i)      The parties acknowledge and agree that the Escrow
Agent is not counsel to any party in the transactions contemplated herein. In
addition, the fees to be earned by the Escrow Agent shall be compensation for
services as escrow agent, only, and not for any legal services. The Escrow Agent
shall not have any responsibility or liability to any party for acting or
failing to act as an attorney in connection with the transactions contemplated
herein.

                  (j)      Upon the performance of this Agreement, the Escrow
Agent shall be deemed released and discharged of any further obligations
hereunder.

         4.       Indemnification.
                  ---------------

                  (a)      Parent hereby agrees to indemnify and hold the Escrow
Agent free and harmless from any and all losses, expenses, liabilities and
damages (including but not limited to reasonable attorney's fees, and amounts
paid in settlement) resulting from claims asserted by PlasmaNet against the
Escrow Agent with respect to the performance of any of the provisions of this
Agreement.

                  (b)      PlasmaNet hereby agrees to indemnify and hold the
Escrow Agent free and harmless from any and all losses, expenses, liabilities
and damages (including but not limited to reasonable attorney's fees, and amount
paid in settlement) resulting from claims asserted by Parent against Escrow
Agent with respect to the performance of any of the provisions of this
Agreement.

                  (c)      Parent and PlasmaNet hereby agree to, jointly and
severally, indemnify and hold the Escrow Agent harmless from and against any and
all losses, damages, taxes, liabilities and expenses that may be incurred by the
Escrow Agent, arising out of or in connection with its acceptance of appointment
as the Escrow Agent hereunder and/or the performance of its duties pursuant to
this Agreement, including, but not limited to, all legal costs and expenses of
the Escrow Agent incurred defending itself against any claim or liability in
connection with its performance hereunder, provided that the Escrow Agent shall
not be entitled to any indemnity for any losses, damages, taxes, liabilities or
expenses that directly result from its willful misconduct or gross negligence.

                                       3

<PAGE>

                  (d)      In the event of any legal action between the parties
to this Agreement to enforce any of its terms, the legal fees of the prevailing
party shall be paid by the party(is) who did not prevail.

         5.       Escrow Agent Fees. The Escrow Agent shall be paid a fee in
accordance with its normal hourly rate for legal services and out-of-pocket
expenses (the "Escrow Agent's Fees"). Parent shall be liable for payment of the
Escrow Agent's Fees.

         6.       Miscellaneous.
                  -------------

                  (a)      All Notices hereunder shall be in writing, sent by
telecopier, upon proof of sending thereof to the following addresses:

         (i)      If to PlasmaNet,  to:
                  PlasmaNet, Inc.
                  420 Lexington Avenue, Suite 2435
                  New York, New York 10170
                  Attn:
                  Phone:
                  Fax:

         (ii)     If to Parent or Client:
                  Return Assured Incorporated
                  1901 Avenue of the Stars, Suite 1710
                  Los Angeles, California 90067
                  Attn: Matthew Sebal, President
                  Phone:
                  Fax:

         (iii)    If to the Escrow Agent:
                  Kaplan Gottbetter & Levenson, LLP
                  Attn: Adam S. Gottbetter, Esq.
                  630 Third Avenue, 5th Floor
                  New York, NY 10017
                  Phone: 212.983.6900
                  Fax: 212.983.9210

or at such other address as any of the parties to this Agreement may hereafter
designate in the manner set forth above to the others.

                  (b)      This Agreement shall be construed and enforced in
accordance with the law of the State of New York applicable to contracts entered
into and performed entirely within New York.

                                       4

<PAGE>

                  (c)      This Agreement may be executed in two or more
counterparts, all of which when taken together shall be considered one and the
same agreement and shall become effective when counterparts have been signed by
each party and delivered to the other party, it being understood that both
parties need not sign the same counterpart. In the event that any signature is
delivered by facsimile transmission, such signature shall create a valid and
binding obligation of the party executing (or on whose behalf such signature is
executed) the same with the same force and effect as if such facsimile signature
page were an original thereof.

                  (d)      This Agreement shall be binding upon and inure to the
benefit of the parties and their successors and permitted assigns. The
assignment by a party of this Agreement or any rights hereunder shall not affect
the obligations of such party under this Agreement.

         7.       Termination of Escrow.
                  ---------------------

         This Escrow Agreement shall begin upon the date hereof and shall
terminate upon the earlier of (i) the delivery to PlasmaNet of all of the
Escrowed Shares or (ii) notice from Parent and PlasmaNet of termination of the
Program Promotion Agreement. Upon the termination of the Escrow Agreement, the
Escrow Agent shall deliver to Parent any Escrowed Shares that have not been
delivered to PlasmaNet.

         IN WITNESS WHEREOF, the parties hereto have caused this Escrow
Agreement of to be signed the day and year first above written.

Client:                                      PlasmaNet:

Return Assured Incorporated                  PlasmaNet, Inc.

By: /s/ MATTHEW SEBAL                        By: /s/ ALAIN RENAUD
   --------------------------------             --------------------------------
    Name:  Matthew Sebal                        Name:  Alain Renaud
    Title: President                            Title: VP Business Development

Parent:                                      Escrow Agent:

Return Assured Incorporated                  Kaplan Gottbetter & Levenson, LLP

By: /s/ MATTHEW SEBAL                        By: /s/ ADAM S. GOTTBETTER
   --------------------------------             --------------------------------
   Name:  Matthew Sebal                         Adam S. Gottbetter
   Title: President                             Managing Member

                                       5

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