Document:

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Exhibit 10.19

                              CONSULTANT AGREEMENT

         THIS CONSULTANT AGREEMENT (the "Agreement") is entered into as of the
1st day of March, 2002 (the "Effective Date") by and between Junum Incorporated,
a Delaware corporation (the "Company"), and Crosby Haffner (the "Consultant").

         WHEREAS, Consultant desires to provide the Company with his services
and the Company desires to receive Consultant's services on the terms and
subject to the conditions set forth herein.

         NOW, THEREFORE, in consideration of the mutual representations,
warranties, covenants and agreements set forth herein, and for other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto, intending to be legally bound, agree as
follows:

         1. Term Of Agreement.
         ---------------------

         The term of Consultant's services with the Company hereunder (the
`Term") shall commence on March 1, 2002 (the "Commencement Date") and shall
terminate upon thirty (30) days written notice by either party.

         2. Position And Duties.
         -----------------------

         During the Term, Consultant shall provide services as a consultant of
the Company. Consultant shall render such services on the terms set forth
herein. The services shall include advice relating to the Company's computer
software and hardware systems, general operational issues, marketing and product
design, implementation of product and marketing plans, organizational structure
and efficiency issues and specific projects to be assigned to Consultant by the
Company. Both the Company and the Consultant agree that Consultant will act as
an independent contractor in the performance of his services under this
Agreement. Consultant shall not render any services involving or relating to
capital raising activities or relating to the maintenance or promotion of a
market for any securities of the Company. It is understood and agreed that Junum
shall not permit Consultant to undertake any position or activity which would
cause Consultant to be ineligible to receive and immediately sell common stock
of the Company registered on Form S-8.

         3. Other Activities of Consultant.
         ----------------------------------

         The Company recognizes that Consultant may provide services to other
businesses and entities other than the Company. Consultant shall be free to
directly or indirectly own, manage, operate, join, purchase, organize or take
preparatory steps for the organization of, build, control, finance, acquire,
lease or invest or participate in the ownership, management, operation, control
or financing of, or be connected as an officer, director, employee, partner,
principal, manager, agent, representative, associate, consultant, investor,
advisor or otherwise with (collectively, be "Affiliated" with), any business or
enterprise, or permit his name or any part thereof to be used in connection with
any business or enterprise. Consultant may be Affiliated with any entity which
may provide services to the Company. The Company hereby waives any conflict of
interest that may arise from a relationship between Consultant and any entity
with which Consultant is Affiliated upon full disclosure of the relationship to
the Company.

<PAGE>

         4. Compensation.
         ----------------

         During the Term, as compensation for his services hereunder, the
Company shall compensate Consultant as follows:

                  4.1      FEES. Company shall pay to Consultant fees ("Fees")
                           for services provided under this Agreement. Fees
                           shall be paid by the Company monthly in advance. In
                           the event the Fees are paid by the Company in cash,
                           Company shall compensate Consultant at the rate (the
                           "Cash Rate") of Twenty Thousand Dollars ($20,000) per
                           month. In the event the Fees are paid by the Company
                           in the form of common stock registered on Form S-8
                           ("Stock"), Company shall compensate Consultant at the
                           rate (the "Stock Rate") of Twenty Five Thousand
                           Dollars ($25,000) per month (each a "Stock Fee
                           Payment"). Each issuance shall be based on the
                           closing price of the Company's common stock on the
                           day prior to issuance (the "Issuance Day Price").
                           Accordingly, if the Issuance Day Price is $1.00, the
                           Company will issue 20,000 shares to Consultant for
                           that month. In the event the Consultant's Net
                           Proceeds (as defined below) from a Stock Fee Payment
                           is less than the Stock Rate, Company shall deliver to
                           Consultant, within five business days of written
                           request, additional Stock in an amount necessary to
                           increase Consultant's Net Proceeds to not less than
                           the Stock Rate (each a "True Up Issuance"). "Net
                           Proceeds" shall be calculated using the following
                           formula:

                                 N = A + B - C

                           where A the value, based on the then-current trading
                           price of the Company's common stock, of any unsold
                           Stock; B = the gross proceeds from the sale of Stock;
                           and C = the reasonable costs incurred in the sale of
                           Stock, including but not limited to broker commission
                           fees. Consultant shall be entitled to True Up
                           Issuances until the Consultant's Net Cash Proceeds
                           (as defined below) from all Stock Fee Payments made
                           hereunder is not less than the product of i) the
                           number of Stock Fee Payments made hereunder; and ii)
                           the Stock Rate. "Net Cash Proceeds" shall be the
                           gross proceeds from the sale of Stock less the
                           reasonable costs incurred in the sale of Stock,
                           including but not limited to broker commission fees.

                  4.2      WARRANTS. On the date hereof, the Company shall issue
                           to Consultant warrants (the "Warrants") to purchase
                           One Million Eight Hundred Thousand (1,800,000) shares
                           of the Company's common stock at an exercise price
                           equal to $0.17 per share, which is the Fair Market
                           Value as of the date hereof. The Warrants shall have
                           a term of five (5) years following the date hereof
                           and shall vest and become exercisable in equal
                           monthly installments of 50,000 shares commencing on
                           March 1, 2002 through and including February 1, 2005.
                           Upon the occurrence of a Change in Control of the
                           Company prior to the termination of this Agreement,
                           the vesting schedule of the Warrants shall
                           automatically be accelerated with respect to a
                           maximum of 300,000 warrants, such that up to 300,000
                           of such Warrant shares shall immediately vest as of
                           the date of such Change in Control. For purposes of
                           this Agreement "Change in Control" shall have the
                           meaning set forth in the attached Appendix A.

                  4.3      EXPENSES. During the Term, the Company shall
                           reimburse Consultant for any expenses reasonably
                           incurred by him in furtherance of his duties
                           hereunder on an accountable basis, including without
                           limitation travel (including (i) expense
                           reimbursement for Consultant's automobile travel to
                           and from the Company's location and other locations
                           as may be required; and (ii) coach class travel),
                           meals, entertainment, accommodations, and other
                           customary expenses for Company purposes, upon
                           submission of vouchers or receipts and in compliance
                           with such rules and policies generally applicable to
                           executives of the Company.

                                       2
<PAGE>

         5. Termination.
         ---------------

                  5.1      TERMINATION FOR CAUSE. The Company may terminate the
                           Agreement hereunder for Cause at any time. "Cause"
                           shall mean that during the Term, the Consultant
                           engaged in gross and willful misconduct that is
                           materially and significantly injurious to the
                           Company, and, after written notice of such conduct,
                           Consultant has failed to cease such conduct within
                           not less than 20 days. Any termination pursuant to
                           this section shall be communicated by written Notice
                           of Intended Termination. For purposes of this
                           Agreement, a "Notice of Intended Termination" shall
                           mean a notice which shall clearly state the specific
                           termination provision in this Agreement relied upon
                           and shall set forth in reasonable and specific detail
                           the facts and circumstances claimed to provide a
                           basis for termination. For 20 days after receipt by
                           Consultant of the Notice of Intended Termination,
                           Consultant shall have the opportunity to meet and
                           confer with the appropriate and authorized
                           representative of the Company with respect to any
                           complaint or alleged breach, violation or default
                           hereunder, and shall have the opportunity to cure any
                           such breach, violation, default or any other event
                           which would be considered "Cause" hereunder for a
                           period of 15 days following such meeting.

                  5.2      COMPENSATION UPON TERMINATION FOR CAUSE. In the event
                           of termination of this Agreement by the Company for
                           Cause, the Company shall pay to Consultant (i) all
                           amounts of accrued but unpaid Fees through the
                           effective date of such termination, and (ii)
                           reimbursement for reasonable and verifiable expenses
                           incurred by Consultant through the date of notice of
                           such termination ((i) and (ii), the "Accrued
                           Benefits"). Any portion of the Warrants that has
                           vested and become exercisable prior to the date of
                           termination shall remain exercisable for a period of
                           two (2) months following the date of termination of
                           this Agreement for Cause. Any portion of Consultant's
                           Warrants that have not vested as of the date of
                           termination shall terminate as of such date.

                  5.3      COMPENSATION UPON TERMINATION WITHOUT CAUSE. In the
                           event the Company terminates this Agreement without
                           Cause as defined herein, or does not fully comply
                           with the termination and hearing procedures specified
                           in Section 5.1 herein, then the Company shall pay to
                           Consultant as actual and liquidated total damages the
                           Accrued Benefits. In addition, all warrants held by
                           Consultant which have vested as of the termination
                           date shall remain exercisable for a period of two (2)
                           years from the date of termination of this Agreement.
                           Any portion of Consultant's Warrants that have not
                           vested as of the date of termination shall terminate
                           as of such date.

                  5.4      COMPENSATION UPON TERMINATION BY REASON OF
                           CONSULTANT'S DEATH OR TOTAL DISABILITY. In the event
                           that this Agreement is terminated by reason of
                           Consultant's death or Total Disability (as defined
                           below), Consultant or Consultant's estate, as the
                           case may be, shall be entitled to receive (i) the
                           Accrued Benefits, and (ii) any portion of the
                           Warrants that have vested and become exercisable
                           prior to the date of termination. "Total Disability"
                           shall mean any physical or mental disability that,
                           even after reasonable accommodation by the Company,
                           prevents Consultant from performing one or more of
                           the essential functions of his position and which is
                           expected to be of at least 30 days duration. A
                           termination of this Agreement due to Total Disability
                           shall be deemed a termination without cause.

                                       3
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         6. Protection of Confidential Information.
         ------------------------------------------

         During the course of providing services to the Company, Consultant may
be exposed to documents and other information regarding the confidential affairs
of the Company, including without limitation information about its past, present
and future financial condition, the markets for its products, past, present or
future actual or threatened litigation, trade secrets, current and prospective
customer lists, operational methods, acquisition plans, prospects, plans for
future development and other business affairs and information about the Company
not readily available to the public (the "Confidential Information"). Consultant
shall not divulge, disclose, or otherwise use any Confidential Information for a
period of two (2) years from the Effective Date, unless and until such
information is readily available in the public domain or unless such disclosure
is required by law or occurs in the normal course of performing Consultant's
services to the Company.

         7. Indemnification
         ------------------

         The Company agrees to indemnify and hold harmless Consultant to the
fullest extent possible from and against any and all losses, claims, damages,
and liabilities, joint or several (and all actions, claims, proceedings and
investigations in respect thereof), caused by, related to or arising out of,
directly or indirectly, the services provided under this Agreement, whether
under any statute, under common law, or otherwise. The Company will also
reimburse Consultant for all expenses (including attorneys' fees), as such
expenses are incurred, in connection with investigating, preparing to defend or
defending any such action, claim, proceeding or investigation, whether or not in
connection with pending or threatened litigation in which Consultant is a party
or target. If for any reason the foregoing indemnification is unavailable to
Consultant or insufficient to hold it harmless, then the Company will contribute
to the amount paid or payable by Consultant as a result of such loss, claim or
damage or liability in such proportion as is appropriate to reflect the benefits
received by the Company and the fault of the Company, as well as any relevant
equitable considerations. Consultant will have the right to retain counsel of
his own choice to represent Consultant, and the fees and expenses of such
counsel will be paid by the Company. Such counsel will, to the fullest extent
consistent with its professional responsibilities, cooperate with the Company
and any counsel designated by the Company. The indemnification, contribution and
expense reimbursement provisions in this Section 7 are in addition to, and not
in lieu of, any other obligation or liability the Company might otherwise have
to Consultant. Neither termination nor completion of this Agreement will affect
the provisions of this section, which will remain operative and in full force
and effect.

         8. Arbitration and Governing Law.
         ---------------------------------

         Any controversy, claim, or counterclaim arising from this Agreement
between the Company and the Consultant shall be submitted to and decided by
final and binding arbitration by a single arbitrator administered in Los
Angeles, California by JAMS under its commercial rules, and shall apply
California law without regard to conflict of laws provisions. The arbitrator may
not, in any event, either make any ruling, finding or award that does not
conform to the terms and conditions of this Agreement, or alter, amend, modify
or change any of the terms of this Agreement. The arbitrator's decision shall be
rendered within 30 days after the conclusion of the arbitration hearing, and the
arbitrator shall make findings of fact and shall set forth the reasons and legal
bases for the decision. Such arbitrator's decision shall be final and binding on
the parties and a judgment upon the decision rendered may be entered in any
court having jurisdiction thereof. The prevailing party in such dispute shall be
entitled to recover from the other party all reasonable costs and fees of
enforcing any right of the prevailing party including, without limitation, any
JAMS administration fee, the arbitrators fee, costs for the use of facilities
during the hearings, expert fees, accountant's fees and expenses, and attorneys'
fees and expenses. The prevailing party shall be that party which recovers a
judgment or award in the action.

                                       4
<PAGE>

         9. Notices.
         -----------

         Any notice required, permitted or desired to be given pursuant to any
of the provisions of this Agreement shall be deemed to have been sufficiently
given or served for all purposes if delivered in person or sent by certified
mail, return receipt requested, postage and fees prepaid, or by national
overnight delivery prepaid service to the parties at their addresses set forth
below. Any party hereto may at any time and from time to time hereafter change
the address to which notice shall be sent hereunder by notice to the other party
given under this paragraph. The date of the giving of any notice sent by mail
shall be the day two (2) days after the posting of the mail, except that notice
of an address change shall be deemed given when received. The addresses of the
parties are as follows:

If to the Company:    Junum Incorporated
                      David Coulter, President
                      1590 Corporate Dr.
                      Costa Mesa, CA 92626
                      Telephone:(714) 979-5063
                      Fax: (714)979-5067

If to Consultant:     Crosby Haffner
                      1401 Lucile Ave. #3
                      Los Angeles, CA 90026
                      Telephone: (213) 705-9964

         Any party may change such party's address for notices by notice duly
given pursuant hereto.

         10. General.
         ------------

                  10.1     GOVERNING LAW. This Agreement shall be governed by
                           and construed and enforced in accordance with the
                           laws of the State of California without giving effect
                           to conflicts of laws principles thereof which might
                           refer such interpretations to the laws of a different
                           state or jurisdiction.

                  10.2     ENTIRE AGREEMENT. This Agreement sets forth the
                           entire understanding of the parties relating to
                           Consultant's services to the Company during the Term
                           and cancels and supersedes all agreements,
                           arrangements and understandings relating thereto made
                           prior to the date hereof, written or oral, between
                           the Consultant and the Company. This Agreement shall
                           not be altered or modified except in writing, duly
                           executed by the parties hereto.

                  10.3     AMENDMENTS; WAIVERS. This Agreement may be amended,
                           modified, superseded, canceled, renewed or extended,
                           and the terms or covenants hereof may be waived, only
                           by a written instrument executed by the parties, or
                           in the case of a waiver, by the party waiving
                           compliance. The failure of any party at any time or
                           times to require performance of any provision hereof
                           shall in no manner affect the right of such party at
                           a later time to enforce the same. No waiver by any
                           party of the breach of any term or covenant contained
                           in this Agreement, whether by conduct or otherwise,
                           in any one or more instances, shall be deemed to be,
                           or construed as, a further or continuing waiver of
                           any such breach, or a waiver of the breach of any
                           other term or covenant contained in this Agreement.

                                       5
<PAGE>

                  10.4     SUCCESSORS AND ASSIGNS; BINDING AGREEMENTS. This
                           Agreement shall inure to the benefit of and shall be
                           binding upon the Company (and its successors and
                           assigns) and Consultant and his heirs, executors and
                           personal representatives. Prior to the effectiveness
                           of any succession (whether direct or indirect, by
                           purchase, merger, consolidation or otherwise) to all
                           or substantially all of the business and/or assets of
                           the Company, the Company will require the successor
                           to expressly assume and agree to perform this
                           Agreement in the same manner and to the same extent
                           that the Company would be required to perform it if
                           no such succession had occurred. As used in this
                           Agreement, "Company" shall mean the Company as
                           defined above and any successor to its business
                           and/or assets which executes and delivers the
                           Agreement provided for in this Section 10.4 or which
                           otherwise becomes bound by all the terms and
                           provisions of this Agreement by operation of law or
                           otherwise.

                  10.5     SEVERABILITY. The invalidity or unenforceability of
                           any provision of this Agreement shall not affect the
                           validity or enforceability of any other provision of
                           this Agreement. If any provision of this Agreement
                           shall be held invalid or unenforceable in part, the
                           remaining portion of such provision, together with
                           all other provisions of this Agreement, shall remain
                           valid and enforceable and continue in full force and
                           effect to the fullest extent consistent with law. In
                           lieu of any such invalid, illegal or unenforceable
                           provision, the parties hereto intend that there shall
                           be added as part of this Agreement a term, covenant
                           or provision as similar in terms to such invalid,
                           illegal or unenforceable term, covenant of provision,
                           or part thereof, as may be possible and be valid,
                           legal and enforceable.

                  10.6     WARRANTY. The Company and Consultant each hereby
                           warrant and agree that each is free to enter into
                           this Agreement, that the parties signing below are
                           duly authorized and directed to execute this
                           agreement, and that this Agreement is a valid,
                           binding and enforceable against the parties hereto.

                  10.7     CAPTIONS. The section headings contained herein are
                           for reference purposes only and shall not in any way
                           affect the meaning or interpretation of this
                           Agreement.

                  10.8     SURVIVAL OF TERMS. Notwithstanding the termination of
                           this Agreement for whatever reason, the provisions
                           hereof shall survive such termination, unless the
                           context requires otherwise.

                  10.9     COUNTERPARTS; FACSIMILE. This Agreement may be
                           executed by the parties hereto in separate
                           counterparts, each of which when so executed and
                           delivered shall be an original but all such
                           counterparts together shall constitute one and the
                           same instrument. Such execution may be by facsimile.
                           Any signature by facsimile shall be valid and binding
                           as if an original signature were delivered.

         IN WITNESS WHEREOF, Consultant and the Company have executed this
Agreement as of the date first written above.

                                                        JUNUM INCORPORATED

                                                        /S/ David Coulter
                                                        -----------------
                                                        David Coulter, President

                                                        CONSULTANT

                                                        /S/ Crosby Haffner
                                                        ------------------
                                                        Crosby Haffner

                                       6
<PAGE>

                                   APPENDIX A

         "Change in Control" means the occurrence of any of the following: (A)
the sale, lease, transfer, conveyance or other disposition (other than by way of
merger or consolidation), in one or a series of related transactions, of all or
substantially all of the assets of the Company to any "person" (as such term is
used in Section 1 3(d)(3) of the Securities Exchange Act of 1934, as amended
(the "Exchange Act") which is (i) a third party, (ii) not affiliated with the
Company as of the date hereof, (iii) not affiliated with any holder (as of the
date hereof) of more than 4% of any class of outstanding capital stock of the
Company, and (iv) not the holder (as of the date hereof) of any convertible
security which is convertible into more than 4% of the outstanding capital stock
of the Company at any time (a "Non-affiliated Purchaser"), (B) the adoption of a
plan relating to the liquidation or dissolution of the Company, and (C) the
consummation of any transaction (including, without limitation, any merger or
consolidation) the result of which is that any Non-affiliated Purchaser becomes
the "beneficial owner" (as such terms are used in Rule 13d-3 and Rule 1 3d-5
under the Exchange Act), directly or indirectly, of capital stock of the Company
representing a greater proportion of the voting power of the Company's
outstanding voting securities than the shares of Company stock "beneficially
owned" by the Principal Shareholders and their Related Parties in the aggregate.
For purposes of this definition, any transfer of an equity interest of an entity
that was formed for the purpose of acquiring voting stock of the Company will be
deemed to be a transfer of such voting stock as corresponds to the portion of
the equity that has been so transferred.

         "Principal Shareholders" those shareholders which hold beneficial
ownership of an aggregate 51 % or more of the outstanding shares of the Company
on the Effective Date.

         "Related Party" with respect to any Principal Shareholder means any (A)
spouse or family member of such Principal Shareholder, (B) corporation,
partnership or any other entity, the stockholders, partners, owners or persons
beneficially holding an 80% or more controlling interest of which consist of
such Principal Shareholder and/or such other persons referred to in the
immediately preceding clause (A), or (C) trust, the beneficiaries holding more
than a 50% beneficial interest of which consist of any Principal Shareholder
and/or other such persons referred to in clause (A), so long as the Principal
Shareholder or any of the other persons referred to in clause (A) above or any
other Principal Shareholder serves as trustee therefor and, in such capacity,
possesses and retains the right to vote, at such trustee's absolute discretion,
all shares of capital stock held in such trust.<PAGE>

                                HORNBLOWER WEEKS
                             Financial Corporation

                          INVESTMENT BANKING AGREEMENT

         This AGREEMENT (the "Agreement") is made this 1st day of June 2001 by
and between Junum Incorporated, having its principal place of business at 1590
Corporate Drive, Costa Mesa, CA 92626 (hereinafter the "Company") and Hornblower
& Weeks Financial Corporation, having its principal place of business at 110
Wall Street, New York, NY 10005 (hereinafter the "Consultant," and, together
with the Company, the "Parties").

         WHEREAS, the Company desires to retain the Consultant for consulting
services in connection with the Company's business affairs, and the Consultant
is willing to undertake to provide such services as hereinafter fully set forth.
This Agreement shall be binding upon the Parties upon the execution hereof.

                                   WITHESSETH

NOW, THEREFORE, the Parties agree as follows:

         1. TERM: This Agreement shall expire twelve (12) months from the date
hereof (the "Term"). The Company shall have the right to extend the Term for an
additional twelve (12) months by delivering written notice to the Consultant not
less than thirty (30) days before the expiration of the Term. In addition, the
Company shall have the right, at any time, to terminate this Agreement upon not
less than 30 days prior written notice.

         2. NATURE OF SERVICES: The Company hereby engages Consultant to render
the services hereinafter described during the term hereof on a non-exclusive
basis (it being understood and agreed that Consultant is free to render the same
or similar services to any other entity selected by it). Notwithstanding
anything to the contrary herein, Consultant shall not render any services, or
take any action, in connection with, or which would constitute, capital raising
activities or promotion of the Company's securities. Consultant shall render the
following services in compliance with all federal and state securities laws and
regulations.

(a) Advice concerning on-going strategic corporate planning and long-term
investment policies, including any revision of the Company's business plan.

         (b)      Evaluation of the Company's managerial, marketing and sales
                  requirements.
         (c)      Introduction to Exchanges' and Registered Associations' market
                  participants.
         (d)      Introductions to Financial institutions and Money Managers.
         (e)      Exchanges' and Registered Associations' market services for
                  the Company's securities.

                                                                  Initials   /S/

                                       1
<PAGE>

         3. REPONSIBILITIES OF THE COMPANY: The Company shall provide the
Consultant with all material financial and business information about the
Company as reasonably requested by the Consultant in a timely manner. In
addition, executive officers and directors of the Company shall make themselves
available from time to time for personal consultations with the Consultant
and/or third party designees, subject to reasonable prior notice, pursuant to
the reasonable request of the Consultant.

         4. COMPENSATION: For corporate financial advisory services, due
diligence and other services, including without limitation the services set
forth in Paragraph 2 above, we mutually agree that the Company will cause to be
issued and delivered to the Consultant a five-year warrant to purchase 50,000
shares of common stock of the Company for $0.01 per share (which shall contain a
cashless exercise provision) concurrent with the signing of this Agreement. It
is also agreed that the Company will cause to be issued and delivered to the
Consultant five year warrants to purchase 50,000 shares of common stock for
$0.01 (which shall contain a cashless exercise provision) on each of the
ninety-day, one hundred eighty day and two hundred seventy day anniversary of
the signing of this Agreement. It is understood the shares issuable upon the
exercise of the warrants shall have piggyback registration rights (as set forth
in the related warrant agreement). The warrants and shares issuable upon the
exercise of the warrants pursuant to this Paragraph 4(b) will be "restricted
securities" as defined in Rule 144 proregulated under the Securities Act of
1933, as amended (the "Act"), and shall bear appropriate legends to such effect.

         5. EXPENSES: The Company shall also reimburse the Consultant for actual
and reasonable out-of-pocket expenses, not to exceed $1,000 in any calendar
month without prior written consent from the Company, for facsimile, postage,
printing, photocopying and entertainment expenses, incurred by the Consultant
and directly required for the performance by the Consultant of its duties
hereunder. The Company shall also reimburse the Consultant for actual and
reasonable out of pocket costs of all travel and related expenses incurred by
the Consultant in connection with the performance of its services hereunder,
provided that all such costs and expenses have been authorized, in advance and
in writing, by the Company. Expenses shall be due and payable when billed to the
Company and after they have been incurred by Consultant.

         6. INDEMNIFICAITON: Notwithstanding anything to the contrary herein,
the Parties
________________________________________________________________________________
________________________________________________________________________________
fees and expenses in connection with any action, claim or proceeding relating to
such liabilities) arising out of this transaction by any reason of any breach or
failure of observance or performance or untrue or incorrect statement of any
term, commitment, representation, warranty, covenant or agreement made by the
respective Parties hereunder or by any reason of negligence by a party

                                                                  Initials   /S/

                                       2
<PAGE>
regarding or in accordance with any duty, document, obligation, responsibility,
or other performance of service arising out of this transaction. A party
entitled to indemnification hereunder (an "Indemnified Party") agrees to notify
each party required to indemnify hereunder (an "Indemnifying Party") with
reasonable promptness of any claim asserted against it in respect to which any
indemnifying Party may be liable under this Agreement, which notification shall
be accompanied by a written statement setting forth the basis of such claim and
the manner of calculation thereof. An Indemnifying Party shall have the right to
defend any such claim at its or his own expense and with the counsel of its or
his choice; provided, however, that such counsel shall be approved by the
Indemnified Party prior to engagement, which approval shall not be unreasonably
withheld or delayed; and provided further, that the Indemnified party may
participate in such defense, if it so chooses, with its own counsel and at its
own expense.

         7. COMPLETE AGREEMENT: This Agreement contains the entire Agreement
between the Parties with respect to the contents hereof and supersedes all prior
agreements and understandings between the Parties with respect to such matters,
whether written or oral. Neither this Agreement, nor any term or provision
hereof may be changed, waived, discharged or amended in any manner other than by
any instrument in writing, signed by the Party against which the enforcement of
the change, waiver, discharge or amendment is sought.

         8. COUNTERPARTS: This Agreement may be executed in two or more
counterparts, each of which shall be an original but all of which shall
constitute but one Agreement.

         9. ARBITRATION: The Parties hereby agree to submit any controversy or
claim arising out of or relating to this Agreement to final and binding
arbitration administered by the American Arbitration Association ("AAA") under
its Commercial Arbitration Rules, and further agree that immediately after the
filing of a claim as provided herein they shall in good faith attempt mediation
in accordance with the AAA Commercial Mediation Rules; provided, however that
the proposed mediation shall not interfere with or in any way impede the
progress of the arbitration. The Parties also agree that (i) the AAA Optional
Rules for Emergency Measures of Protection shall apply to any proceedings
initiated hereunder, (ii) the arbitrator shall be authorized and empowered to
grant any remedy or relief permitted by law which the arbitrator deems just and
equitable in nature, including but not limited to, specific performance,
injunction, declaratory judgment and other forms of provisional relief in
additional to a monetary award, (iii) the arbitrator may make other decisions
including interim, interlocutory or partial findings, orders and awards to the
full extent provided in Rule 45 of the Commercial Arbitration Rules, and (iv)
the arbitrator shall be empowered and authorized to award attorneys' fees to the
prevailing party in accordance with Rule 45.

                                                                  Initials   /S/

                                       3
<PAGE>

         10. SURVIVAL: Any termination of this Agreement shall not, however,
affect the on-going provisions of this Agreement, which shall survive such
termination in accordance with their terms.

         11. DISCLOSURE: Any financial advice rendered by the Consultant
pursuant to this Agreement may not be disclosed publicly in any manner without
the prior written approval of the Consultant unless required, in the opinion of
the Company or its counsel, by any law, regulation, statute, court, government
or regulatory agency. The Company and Consultant shall jointly announce the
execution of this Agreement within three business days of its execution. All
non-public information given to the Consultant by the Company will be treated by
the Consultant as confidential information, and the Consultant agrees not to
make use of such information other than in connection with its performance of
this Agreement; provided, however, that any such information may be disclosed if
required by any court or governmental or regulatory authority, board or agency.
"Non-public information" shall not include any information which (i) is or
becomes generally available to the public other than as a result of a disclosure
by the Consultant, (ii) was available to the Consultant prior to its disclosure
to the Consultant by the Company, provided that such information is not known by
the Consultant to be subject to another confidentiality agreement with another
party, or (iii) becomes available to the Consultant on a non-confidential basis
from a source other than the Company, provided that such source is not bound by
a confidentiality agreement with the Company.

         12. GOVERNING LAW: This Agreement and the legal relations among the
Parties hereto shall be governed by and construed in accordance with the laws of
the State of New York without regard to the conflicts of laws principles thereof
or the actual domiciles of the Parties. Any arbitration or mediation inherited
by the parties as provided herein shall be filed and maintained exclusively with
the American Arbitration Association's offices located in New York City and the
Parties further agree that the provisions of paragraph 9, above, may be enforced
by any court of competent jurisdiction, and the party seeking enforcement shall
be entitled to an award of all costs, fees and expenses, including attorney's
fees, to be paid by the party against whom enforcement is ordered.

         13. SEVERABILTIY: Whenever possible, each provision of this Agreement
will be interpreted in such manner as to be effective and valid under applicable
law. If any provision of this Agreement is held to be invalid, illegal or
unenforceable in any respect under any applicable law or rule, such invalidity,
illegality or unenforceability will not effect any other provision or any other
jurisdiction, but this Agreement will be reformed, construed and enforced in
such jurisdiction as if such invalid, illegal or unenforceable provision had
never been contained.

                                                                  Initials   /S/

                                       4
<PAGE>

         14. CHOICE OF VENTUE: This Agreement shall be governed by, construed,
interpreted and the rights of the Parties determined in accordance with the laws
of the state of New York, without reference to the principles of conflicts of
law. Any and all conflicts of legal proceedings are agreed to be filed in the
courts of the state of New York, sitting in New York County only, and in no
other governing jurisdiction.

         15. MISCELLANEOUS:

         (a)      All final decisions with respect to consultation, advice and
                  services rendered by the Consultant to the Company shall rest
                  exclusively with the Company, and Consultant shall not have
                  any right or authority to bind the Company to any obligation
                  or commitment.

         (b)      Consultant agrees not to sell, loan, pledge, assign, transfer,
                  encumber, distribute, grant or otherwise dispose of, directly
                  or indirectly, or offer, contract or otherwise agrees to do
                  any of the foregoing, (a) any shares of the common stock (the
                  "Common Stock") of the Company, (b) any options or warrants to
                  purchase any shares of Common Stock or any securities
                  convertible into, or exchangeable for, shares of Common
                  Stock, directly or indirectly by the Consultant and/or its
                  Affiliates, otherwise that (i) with the prior written consent
                  of the Company, or (ii) sales of Common Stock pursuant to
                  which all of the shares sold are delivered to the purchaser
                  thereof within three business days of such sale. The foregoing
                  restriction is expressly agreed to preclude the Consultant and
                  its Affiliates from engaging during the Term in any hedging or
                  other transaction which is designed to, or reasonably expected
                  to lend to or result in the Consultant or its Affiliates
                  maintaining a "short" position (or any similar position) for
                  any period longer than three business days, including if such
                  short position is maintained by any Affiliate, or any other
                  person for the benefit or account of, or at the request of,
                  the Consultant.

Agreed and Accepted on June 1, 2001 by and between:

Junum Incorporation                Hornblower & Weeks Financial Corporation

By: /S/ David B. Coulter           By:  /S/ John Rooney
    ---------------------               ---------------------
    David B. Coulter                    John Rooney
    Chairman                            President

                                                                  Initials   /S/

                                       5

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