Document:

Exhibit 10.2

                              Employment Agreement

Employment Agreement, between Americana Publishing, Inc. (the "Company") and Don
White (the "Employee"), for good consideration, the Company employs the Employee
on the following terms and conditions:

     1.   Term of Employment. Subject to the provisions for termination set
          forth below, this agreement will begin on November 1st, 1999.

     2.   Salary. The Company shall pay Employee a salary of $36,000 per year
          payable on the 1st of each month.

     3.   Duties and Position. The Company hires the Employee in the capacity of
          Chief Financial Officer. The duties may be reasonably modified at the
          Company's discretion from time to time.

     4.   Employee to Devote Time Necessary to Company. The Employee will devote
          the time necessary, attention and energies to the business of the
          Company, and during this employment, however, may engage in other
          business activities related to or unrelated to the company for profit,
          gain and or primary advantage. These activities by the Employee are
          not prohibited by the Company and further does not prohibit Employee
          from making personal investments in any other business of any kind.

     5.   Confidentiality of Proprietary Information. Employee agrees during or
          after the term of this employment, not to reveal confidential
          information, or trade secrets to any person, firms, corporation or
          entity.

     6.   Reimbursement of Expenses. The Employee may incur reasonable expenses
          for furthering the Company's business including entertainment, travel
          and similar items. The Company shall reimburse Employee within seven
          working days for all business expenses after the Employee presents an
          itemized account of expenditures.

     7.   Vacation. The Employee shall be entitled to a yearly vacation of a
          total of five weeks at full pay. The Employee may take such time off
          for vacation at any time and in any quantity of days.

     8.   Disability. If Employee cannot perform the duties because of illness
          or incapacity for more than two weeks, the compensation otherwise due
          during said illness or incapacity will continue as stated herein. The
          Company may not terminate this agreement for any reason as it relates
          to any disability, illness or incapacity.

     9.   Termination of Agreement. With cause, the Company may terminate this
          agreement with twelve months written notice to the Employee. The
          Employee may continue to perform his duties and will be paid the full
          compensation during regular pay periods stated herein during the
          notice period of twelve months. In addition, the Company will pay the
          Employee on the date of termination a severance allowance of one full
          year of minimum salary of two hundred and fifty thousand dollars
          ($250,000) which may be made in twelve equal and consecutive monthly
          installments beginning on the date of termination. Without cause, the
          Employee may terminate employment upon twelve months written notice to
          the Company. Employee may be required to perform his duties and will

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          be paid the full compensation described herein up to the termination
          date and shall receive a severance allowance of two hundred and fifty
          thousand dollars ($250,000) which may be made in twelve equal and
          consecutive monthly installments beginning on the date of termination.

          The Company may terminate the Employees employment upon 90 days
          written notice to the Employee and be responsible to pay two years
          minimum salary of a total of five hundred thousand dollars ($500,000)
          in twelve consecutive monthly installments beginning on the date of
          termination should any of the following events occur:

          a)   The sale of substantially all of the Company's assets to a single
               purchaser or group of associated purchasers; or
          b)   The purchase of substantially all of the Company's issued and
               outstanding stock in an effort to take the Company Private; or
          c)   The attempt by an individual or associated group of individuals
               or corporation or entity to purchase stock in the Company for the
               purposes of a hostile take over; or
          d)   The sale, exchange, or other disposition, in one transaction of
               the majority of the Company's outstanding corporate shares; or
           e)   The Company's decision to terminate its business and liquidate
               its assets; or
          f)   The merger or consolidation of the Company with another company
               where by the directors of the Company as a whole are no longer
               majority shareholders; or
          g)   Bankruptcy or Chapter 11 reorganization.

     10.  Assistance in Litigation. Employee shall upon reasonable notice,
          furnish such information and proper assistance to the Company as it
          may reasonably require in connection with any litigation in which it
          is, or may become, a party either during or after employment. Should
          the Employee be involved in any litigation personally as a result of
          activities or association with or for the Company, the Company agrees
          to pay for all such legal and professional fees incurred by the
          Employee.

     11.  Settlement by Arbitration. Any claim or controversy that arises out of
          or relates to this agreement, or breach of it, shall be settled by
          arbitration in accordance with the rules of the American Arbitration
          Association. Judgment upon the award rendered may be entered in any
          court with jurisdiction.

     12.  Limited Effect of Waiver by Company. Should the Company waive breach
          of any provision of this agreement by the Employee, that waiver will
          not operate or be construed as a waiver of further breach by the
          Employee.

     13.  Assumption of Agreement by Company's Successor and Assignees. The
          Company's rights and obligations under this agreement will inure to
          the benefit and be binding upon the Company's successors and
          assignees.

     14.  Oral Modification Not Binding. This instrument is the entire agreement
          of the Company and the Employee. Oral changes shall have no effect. It
          may be altered only by a written agreement signed by the party against
          whom the enforcement of any waiver, change, modification, extension,
          or discharge is sought.

     15.  Sites of This Agreement. The terms and conditions of this agreement
          shall be interpreted under the laws of the state of New Mexico.

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     16.  Automatic Renewal. This agreement shall automatically be renewed for a
          period of three years provided that either party has not otherwise
          elected to terminate this agreement as provided for herein.

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         Company                              Date

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         Employee                             Date

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         Witness                              Date

                                       41Exhibit 10.3

                           ALTRES Financial Letterhead

January 18, 2000

George Lovato, Jr.
Americana Publishing
303 San Mateo NE, Suite 104A
Albuquerque, NM

RE:  Financing Proposal - Accounts Receivable Financing Line

Dear George,

Thank you for your continued interest in the financial services of ALTRES
Financial, L.P. We have evaluated your request for financing and are please to
present you with the following Proposal to Finance your accounts receivable. The
proposed terms and conditions are as follows:

     Maximum Account Receivable Financing Line: Two Hundred Fifty Thousand
     Dollars ($250,000) of advances on outstanding eligible accounts receivable.

     Advance Rate: Seventy Percent (70%) of invoice amounts submitted for
     funding.

     Funds Rate: Prime Rate (as quoted in the Wall Street Journal) plus Two
     Percent (2%)

     Collateral Management Fee: One and One Quarter Percent (1.25%) for each
     Thirty (30) day period. The Collateral Management Fee shall be the rate
     calculated on the face value of each financed invoice for each specific
     period or part thereof from time of funding until payment is received.

     Minimum Monthly Usage: Fifty Thousand Dollars ($50,000) of eligible
     accounts submitted for funding each monthly period.

     Term of Relationship: The minimum term of the relationship will be for a
     period of Eighteen (18) months, with automatic Six (6) month renewal
     periods.

     Recourse: Altres Financial will guarantee the solvency of approved debtors
     from the invoice date to 90 days outstanding. During said period if an
     approved debtor files for bankruptcy Altres Financial will cover the
     advanced amount.

     Guarantees: A Validity Guarantee from George Lovato, Jr., CEO/Director

     Origination Fee: The Origination Fee shall be One Percent (1%) of the
     Maximum Account Receivable Financing Line. This fee will be due from you on
     the initial funding date.

     Good Faith Deposit: Five Hundred Dollars ($500). This deposit will be
     applied to all costs incurred during the credit review, underwriting and
     documentation process. Except as stated below, any surplus will be refunded
     to you. If ALTRES Financial declines to provide financing because of
     international misrepresentations, omissions, distortions or unsatisfactory
     results of the due diligence or because of the failure of other conditions
     not within the control of ALTRES Financial, L.P., any surplus deposit
     monies will not be refunded.

page 1 of 2                                                 Init.____  Date ____

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Financing Proposal
Page 2 of 2

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     Additional Terms/Requirements: ALTRESS Financial, L.P. requires quarterly
     financial statements, accounts receivable and payable aging, and proof of
     tax compliance. Each invoice will have instructions to make and mail the
     payment to Altres Financial to a P.O. Box controlled by Altres Financial.
     Please be aware that funding shall be contingent upon ALTRES Financial,
     L.P. securing a first lien position on the accounts receivable, inventory,
     and unencumbered equipment, and our completing the necessary due diligence
     with satisfactory outcome in regards to credit verifications, UCC filings,
     and lien searches.

     It is mutually understood between the parties that this Proposal to Finance
     your Accounts Receivable shall in no way serve as a legally binding
     contract to provide funding, but merely serves as a proposal for a contract
     which may be entered into. This proposal shall be superceded by a fully
     executed Accounts Receivable Financing Agreement. This proposal shall
     remain valid until Friday, February 21, 2000 at 5:00 p.m. Mountain Standard
     Time after which the proposal shall become null and void at ALTRES
     Financial's discretion.

     After fully reviewing this proposal, should you have any comments and/or
     questions please do not hesitate to call me. Once we have received the
     endorsed Proposal to Finance and Good Faith Deposit, ALTRES Financial, L.P.
     will immediately begin he necessary documentation process, which will
     initiate the Financing Agreement. Once again, I want to thank you for you
     interest in the financial services of ALTRES Financial, L.P.

     Sincerely,

                                               Reviewed and Agreed:

     Andrew Osborn                            /s/ George Lovato, Jr.
     ALTRES Financial, L.P.                   ----------------------------------
                                              George Lovato, Jr., CEO & Chairman
                                              Americana Publishing, Inc.

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