Document:

Exhibit 10.1

July 10, 2006

Mr. Joseph A. Boyle
President and Chief Executive Officer
Affinity Technology Group, Inc
8807-A Two Notch Road
Columbia, SC 29223

Dear Joe:

     This  letter  confirms  the  engagement  of Morgan  Keegan & Company,  Inc.
("Morgan Keegan") to act as exclusive  financial advisor to Affinity  Technology
Group,  Inc.  ("Affinity" or the "Company") to assist the Company in its review,
analysis, consideration and, if appropriate,  execution of various strategic and
financial  alternatives available to it, and such other matters to which you and
we may agree during the course of our  engagement.  Such strategic  alternatives
and other  matters may include  assisting  the  Company in  strategic  planning;
assessing  capital  markets  relative to Affinity;  securing  additional  equity
and/or debt capital;  and if requested by the Company,  assisting the Company in
its analysis and  consideration  of the financial  aspects of certain  potential
strategic transactions,  including,  but not limited to, mergers,  acquisitions,
spin-offs, joint ventures, minority investments,  negotiated purchases, or other
similar  transactions  (individually,  the "Transaction"  and collectively,  the
"Transactions").

     As exclusive  financial advisor to the Company,  Morgan Keegan will perform
the following functions:

          a.   Assist  Affinity  in the  assessment  of market  information  and
               business strategies relevant to the operations of the Company;

          b.   Assist  Affinity  in  developing   appropriate  value  ranges  in
               connection with various business strategies or Transactions;

          c.   Assist Affinity in reviewing, evaluating and structuring proposed
               business strategies or Transactions;

          d.   Assist Affinity in developing general negotiating  strategies and
               in  actual  negotiations  with  potential  partners,   investors,
               lenders and/or (if applicable) merger and acquisition  candidates
               and consult with and assist counsel and  independent  accountants
               in structuring  and carrying  through to conclusion any agreement
               which may be reached;

          e.   Assist   Affinity   in   preparing   summary   information   (the
               "Information")  with respect to the Company for  distribution  to
               potential  investors,  lenders and/or (if applicable)  merger and
               acquisition  candidates  selected by Morgan  Keegan and Affinity,
               describing  the Company and its business,  it being  specifically
               agreed  that (i) the  Information  shall be based  entirely  upon
               information supplied by the Company (or public information),  and
               Affinity hereby warrants that, to the best of its knowledge,  the
               Information  supplied  shall  be  complete  and  accurate  in all
               material  respects,  and not  misleading  and (ii) Morgan  Keegan
               shall not be responsible for the accuracy and completeness of the
               Information except as it pertains to public  information  derived
               from research performed by Morgan Keegan.

                                       7
<PAGE>

          f.   Morgan Keegan will advise and assist Affinity,  on a best efforts
               basis,  in obtaining  equity and/or debt  investment  required to
               capitalize  the  Company  in such  amount  and upon such terms as
               deemed to be appropriate by the Company (any securities issued in
               connection  with  this  effort  are  referred  to  herein  as the
               "Securities") . Morgan Keegan agrees to provide  Affinity,  on an
               as requested  basis,  with a list of all  investors  contacted by
               Morgan  Keegan.  Morgan Keegan will provide advice and assistance
               in  structuring  and  pricing  the  securities  and  in  locating
               appropriate financing sources.

     In order to  coordinate  our efforts with  respect to a possible  financing
Transaction,  during the period of our engagement hereunder, neither the Company
nor  any  representative  thereof  (other  than  Morgan  Keegan)  will  initiate
discussions  regarding any  Transaction  except through  Morgan  Keegan.  If the
Company or its  management  receives  an inquiry  regarding a  Transaction,  the
Company or such persons will promptly advise Morgan Keegan of such inquiry.  All
contact with third parties by Morgan Keegan must be approved by the Company. The
Company  and Morgan  Keegan  hereby  agree that Kimble L.  Jenkins  shall be the
primary banker representing Morgan Keegan in connection with this engagement.

          1.   In  consideration  for the  services  rendered  by Morgan  Keegan
               hereunder, the Company shall pay Morgan Keegan:

               a.   An advisory  fee equal to a warrant with a five year term to
                    purchase  2,500,000  shares of Affinity  common stock for an
                    exercise  price of $0.50  per  share  (the  "Warrant  Fee"),
                    payable upon execution of this Agreement. Affinity will file
                    a  registration  statement  for the  shares  underlying  the
                    warrant  at the  earlier  of:  (i) the time  that it files a
                    registration  statement  related  to the sale of  additional
                    equity and/or debt  securities as contemplated by Section 1.
                    b. of at least $5 million;  (ii) within 60 days of receiving
                    patent licensing fees in the amount of at least  $5,000,000;
                    or,  (iii)  within  60  days of  closing  a  transaction  as
                    contemplated by Section 1.c. or 1.d. of this agreement,  the
                    result  of  which  is  to  provide  to   Affinity  at  least
                    $5,000,000 of working capital. Morgan Keegan agrees that for
                    a period  of one year  from the date of this  agreement,  it
                    will sell no more than 500,000 shares in any single calendar
                    quarter.

                                       8
<PAGE>

               b.   In the event that the Company sells  Securities in an amount
                    in  excess  of  $5,000,000,  excluding  sales of  additional
                    convertible  notes (for which  there  shall be no fee),  the
                    Company  will  pay  Morgan   Keegan   placement   fees  (the
                    "Contingent  Placement  Fees") payable in cash at closing as
                    follows:

                    i.   Cash equal to five (5) percent of the principal  amount
                         of equity financing (common stock,  preferred stock and
                         convertible preferred stock); plus

                    ii.  Cash equal to three (3) percent of the principal amount
                         of mezzanine  financing (whether  subordinated or not);
                         plus

                    iii. Cash equal to one (1) percent of the  principal  amount
                         of senior debt  provided,  however,  that Morgan Keegan
                         shall not be  entitled  to such a fee with  respect  to
                         senior debt  sourced  from  commercial  banks and other
                         institutional lenders.

                    If more than one closing is required in connection  with the
                    sale of such Securities, only that portion of the Contingent
                    Placement Fee applicable to each closing shall be payable at
                    such closing.

               c.   In the event the  Company  decides to pursue the sale of the
                    Company to a third party,  Morgan Keegan agrees to represent
                    the Company in such  Transaction,  and the Company  will pay
                    Morgan  Keegan a  transaction  fee (the  "Transaction  Fee")
                    payable in cash at closing  equal to two (2)  percent of the
                    aggregate  consideration (the "Transaction  Consideration"),
                    as defined below,  paid to the Company and its  shareholders
                    (not including gains, if any, from the Warrant Fee).

               d.   In the event the Company decides to pursue an acquisition of
                    another  company  or  business,   Morgan  Keegan  agrees  to
                    represent the Company in such  Transaction,  and the Company
                    will pay Morgan Keegan a Transaction  Fee payable in cash at
                    closing  equal  to  two  (2)  percent  of  the   Transaction
                    Consideration  paid to a  target  or its  shareholders  (not
                    including gains, if any, from the Warrant Fee).

               In  addition,  whether or not a  Transaction  is  completed,  the
               Company will reimburse Morgan Keegan, on a monthly basis, for its
               reasonable out of pocket expenses (including fees and expenses of
               counsel)  incurred  in  connection  with its  acting  as  advisor
               hereunder.  Such out of pocket  expenses shall not exceed $50,000
               without  the prior  consent of the  Company,  which  shall not be
               unreasonably withheld.

                                       9
<PAGE>

     The "Transaction  Consideration"  for purposes of calculating a Transaction
Fee shall mean the gross value of all cash,  securities  and other property paid
directly or indirectly by an acquirer to a seller or sellers in connection  with
a Transaction.  A seller may include the Company, an affiliate of the Company or
stockholders  of the  Company.  The  value of any  securities  (whether  debt or
equity) or other property delivered as consideration in any Transaction shall be
determined by the Company and Morgan Keegan based on the pricing  mechanics used
for purposes of determining  the purchase  price payable in connection  with the
Transaction.  Transaction  Consideration  also  shall be deemed to  include  the
aggregate principal amount of all indebtedness assumed or acquired,  directly or
indirectly,  by the acquiring party or any of its affiliates in a Transaction or
retired,  defeased or otherwise cancelled in connection with the Transaction and
the present value of any agreements not to compete or consulting agreements.

     Amounts paid into escrow and  contingent  payments in  connection  with any
Transaction  will  be  included  as  part  of  the  Transaction   Consideration.
Transaction  Fees on amounts  paid into escrow shall be payable upon the release
of those amounts from escrow.  If any portion of the consideration in connection
with any  Transaction  is payable in the  future on the basis of  occurrence  of
certain  future  events,  the portion of the  Transaction  Fee  relating to such
contingent  payments  shall be  calculated  and  payable at the time such future
payments are paid.

     2. Except as listed in Appendix A, the Company  represents  and warrants to
Morgan Keegan that it has not, directly or indirectly,  made any offers or sales
of any Securities during the six month period ending on the date of this letter,
and has no intention of making an offer or sale of any  Securities  for a period
of six months after completion of this financing, except for the offering of the
Securities  through Morgan Keegan  pursuant  hereto.  As used herein,  the terms
"offer" and "sale" have the meanings specified in Section 2(3) of the Securities
Act of 1933, as amended (the "Act").

     3. The Company and Morgan Keegan agree that:

          a.   The Company will not,  directly or indirectly,  make any offer or
               sale of any Securities, the result of which would cause the offer
               and  sale  of  the  Securities  to  fail  to be  entitled  to the
               exemption from registration afforded by Section 4(2) of the Act.

          b.   The Company  will comply with all  requirements  of  Regulation D
               promulgated under the Act. Without limitation, the Company will:

               i.   not  offer  or sell the  Securities  by means of any form of
                    general solicitation or general advertising;

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<PAGE>

               ii.  not offer or sell the  Securities  to any person who it does
                    not have a  reasonable  basis to believe  is an  "accredited
                    investor" (as defined in Rule 501 under the Act);

               iii. exercise  reasonable  care to assure that the  purchasers of
                    the  Securities are not  underwriters  within the meaning of
                    Section  2(11)  of  the  Act  and,   without   limiting  the
                    foregoing,  that such purchases will comply with Rule 502(d)
                    under the Act; and

               iv.  file a Form D with the Securities and Exchange Commission as
                    contemplated by Rule 503 under the Act. (Morgan Keegan shall
                    have the right to review the Form D.)

          b.   Morgan  Keegan will comply with all  applicable  requirements  of
               Regulation  D  promulgated  under  the Act.  Without  limitation,
               Morgan Keegan will:

               i.   not offer  the  Securities  by means of any form of  general
                    solicitation or general advertising; and

               ii.  not offer the  Securities to any person who it does not have
                    a reasonable  basis to believe is an  "accredited  investor"
                    (as defined in Rule 501 under the Act).

          c.   The Company  agrees to take such action (if any) as Morgan Keegan
               may  reasonably  request to qualify the  Securities for offer and
               sale under the  securities  laws of such states as Morgan  Keegan
               may specify;  provided that in  connection  therewith the Company
               will not be required to qualify as a foreign  corporation or file
               a general consent to service of process.  The Company agrees that
               it will make any  filings or take other  actions  required  under
               applicable  state  securities  laws  to  permit  the  sale of the
               Securities.

     4. If, in  connection  with the services or matters that are the subject of
this Agreement,  Morgan Keegan or any controlling person,  affiliate,  director,
officer,  employee or agent of Morgan Keegan  (Morgan Keegan and each such other
person referred to as an "Indemnified  Person") becomes involved in any capacity
in any lawsuit,  claim or other  proceeding  for which  indemnity  may be sought
pursuant to Section 4 of this Agreement, the Company shall immediately reimburse
such  Indemnified  Person  for any and all  reasonable  legal or other  expenses
reasonably incurred by such Indemnified Person in connection with investigating,
preparing  to defend  or  defending  such  lawsuit,  claim or other  proceeding;
provided,  however,  that such Indemnified  Person shall promptly  reimburse the
Company  for all  amounts  so  advanced  if it  shall  be  determined  that  the
Indemnified  Person is not entitled to indemnification by the Company hereunder.
The Company also agrees to indemnify each  Indemnified  Person from, and hold it
harmless against, any and all losses, claims,  damages,  liabilities or expenses
to which such Indemnified Person may become subject arising in any manner out of
or in  connection  with the  services  or matters  which are the subject of this
Agreement;  provided,  however,  that the Company shall not be liable under this
Section 4 in respect of any loss,  claim,  damage,  liability  or expense to the
extent  that  it is  finally  judicially  determined  by a  court  of  competent
jurisdiction that such loss, claim,  damage or liability  resulted directly from
the gross  negligence or willful  misconduct of Morgan Keegan in the performance
of its services hereunder.

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<PAGE>

     The Company agrees that the indemnification  and reimbursement  commitments
set forth in this  Section 4: (i) shall  apply  whether  or not any  Indemnified
Person is a formal party to any such lawsuit, claim or other proceeding and (ii)
are in addition to any  liability  that the  Company may  otherwise  have to any
Indemnified   Person.   The  Company  agrees  that,   unless  a  final  judicial
determination  is  made to the  effect  specified  in the  proviso  in the  last
sentence of the preceding paragraph, any settlement of a lawsuit, claim or other
proceeding  against the Company arising out of the transactions  contemplated by
this Agreement which is entered into by the Company shall include a release from
the party bringing such lawsuit,  claim or other  proceeding of each Indemnified
Person,  which release shall be reasonably  satisfactory  to Morgan Keegan.  The
Company  further  agrees that no  Indemnified  Person  shall have any  liability
(whether direct or indirect,  in contract,  tort or otherwise) to the Company in
connection with Morgan Keegan's  engagement  hereunder,  except for such losses,
claims,  damages  or  liabilities  incurred  by the  Company  that  are  finally
judicially  determined  by a court of competent  jurisdiction  to have  resulted
directly  from the gross  negligence or willful  misconduct of such  Indemnified
Person.

     The  Company  and  Morgan  Keegan  agree  that if such  indemnification  or
reimbursement sought pursuant to this Section 4 is finally judicially determined
by a court of competent  jurisdiction  to be unavailable,  then,  whether or not
Morgan  Keegan is the  Indemnified  Person,  the Company and Morgan Keegan shall
contribute to the losses,  claims,  damages,  liabilities and expenses for which
such indemnification or reimbursement is held unavailable (i) in such proportion
as is appropriate to reflect the relative benefits to the Company,  on one hand,
and Morgan Keegan on the other,  in connection  with the  transactions  to which
such  indemnification  or  reimbursement  relates,  or  (ii)  if the  allocation
provided  by clause  (i)  above is not  permitted  by  applicable  law,  in such
proportion as appropriate to reflect not only the relative  benefits referred to
in clause (i) but also the relative faults of the Company,  on the one hand, and
Morgan  Keegan  on the  other,  as well as any other  equitable  considerations;
provided,  however,  that in no event shall the amount to be so  contributed  by
Morgan  Keegan  exceed the amount of the cash fees  actually  received by Morgan
Keegan hereunder.

                                       12
<PAGE>

     5.  The  term  of  this  Agreement  and  Morgan  Keegan's  appointment  and
authorization  hereunder shall extend from the date hereof through July 9, 2008,
or such other date as may be mutually  agreed by the Company and Morgan  Keegan,
and shall  thereafter be  automatically  renewed for successive  monthly periods
until  terminated  in  writing  by either  the  Company  or Morgan  Keegan.  The
provisions  of Sections 1 (to the extent  provided in the last  sentence of this
paragraph),  2,  3,  4,  6, 8, 9,  10 and  this  Section  5  shall  survive  any
termination  of this  Agreement.  Within thirty (30) days of the  termination of
this  Agreement,  Morgan  Keegan  and the  Company  shall  prepare a list of all
potential investors,  lenders and merger and acquisition  candidates that Morgan
Keegan contacted on behalf of the Company in its capacity as exclusive financial
advisor  during  the  engagement  and  with  whom  the  Company  had  meaningful
discussions  or that the  Company,  its  directors,  management  or  controlling
shareholders had actual knowledge were interested in merging with,  acquiring or
investing in or lending to the Company.  If the Company  completes a Transaction
with any entity on such list within  twelve (12)  months of the  termination  of
this  engagement,  the Company shall be responsible  for the payment of the fees
under Section 1 of this Agreement.

     6. Morgan  Keegan is a full  service  securities  firm and as such may from
time  to  time  affect  transactions,  for its own  account  or the  account  of
customers,  and hold  positions in  securities  or options on  securities of the
Company  and  other  companies  which  may be  the  subject  of  the  engagement
contemplated by this Agreement.

     7. All opinions and advice  provided to the Company in connection with this
engagement  are  intended  solely  for the  benefit  and use of the  Company  in
connection with the matters  described in this Agreement,  and accordingly  such
advice  shall not be relied upon by any person or entity other than the Company.
The  Company  will not make any other use of any such  opinions  or  advice.  In
addition,  none of (i) the name of Morgan  Keegan,  (ii) any advice  rendered by
Morgan  Keegan to the Company,  or (iii) any  communication  from Morgan  Keegan
pursuant  to this  Agreement  will  be  quoted  or  referred  to in any  report,
document,  release or other communication prepared, issued or transmitted by the
Company, or any person controlled by the Company,  without Morgan Keegan's prior
written consent, which consent will not be unreasonably withheld.

     8. In the event of  consummation  of any  transaction,  Morgan Keegan shall
have the right to place  advertisements  in financial and other  newspapers  and
journals at its own expense  describing  its services to the Company  hereunder,
provided that Morgan Keegan will submit a copy of any such advertisements to the
Company for its approval, which approval shall not be unreasonably withheld.

     9. The  invalidity or  unenforceability  of any provision of this Agreement
shall not affect the validity or  enforceability of any other provisions of this
Agreement, which shall remain in full force and effect.

     10. This Agreement may not be amended or modified  except in writing signed
by each of the  parties  hereto  and  shall  be  governed  by and  construed  in
accordance  with the laws of the State of Tennessee.  Each of the parties hereto
expressly waives all right to trial by jury in any action or proceeding  arising
out of this Agreement.  This Agreement  incorporates the entire understanding of
the  parties  with  respect to the  subject  matter  hereof and  supersedes  all
previous  agreements  should they exist with respect thereto  (provided that the
parties  acknowledge and agree that the  confidentiality  agreement  between the
Company  and Morgan  Keegan  shall  continue to be in full force and effect) and
shall be binding  upon and inure to the benefit of the Company,  Morgan  Keegan,
and the other  Indemnified  Persons and their  respective  successors,  assigns,
heirs and personal representatives.

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     If the  foregoing  correctly  sets forth the  understanding  and  agreement
between Morgan Keegan and the Company,  please so indicate in the space provided
below, whereupon this letter shall constitute a binding agreement as of the date
first above written.

                                           Very truly yours,

                                           MORGAN KEEGAN & COMPANY, INC.

                                           By:    /s/ Kimble L. Jenkins
                                                  ------------------------------
                                           Name:  Kimble L. Jenkins
                                                  ------------------------------
                                           Title: Managing Director
                                                  ------------------------------

Agreed and Accepted:

AFFINITY TECHNOLOGY GROUP, INC.

By:     /s/ Joseph A. Boyle
        -------------------------------------
Name:   Joseph A. Boyle
        -------------------------------------
Title:  President and Chief Executive Officer
        -------------------------------------

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                                   APPENDIX A

Pursuant to Section 2, the list below represents all offerings of the Securities
or securities of the same or similar  class as the  Securities  that the Company
has engaged in during the six-month period ending on the date of this letter.

On May 11, 2006, the Company sold five (5) of its two year, 8% convertible notes
in the aggregate principal amount of $150,000.Exhibit 10.2

                              AMENDED AND RESTATED
                              --------------------
                         LEGAL REPRESENTATION AGREEMENT
                         ------------------------------

     THIS AMENDED AND RESTATED LEGAL REPRESENTATION AGREEMENT (the "Agreement")
is made and entered into this 10th day of July, 2006 (hereinafter "Effective
Date"), by and between Affinity Technology Group, Inc., a Delaware corporation
("Affinity"), and decisioning.com, Inc., a Delaware corporation (the "Company"),
on the one hand, and Withrow & Terranova, PLLC, a North Carolina professional
limited liability company (the "Law Firm"), on the other.

                                   WITNESSETH:

     WHEREAS, all the issued and outstanding capital stock of the Company
currently is owned by Affinity; and

     WHEREAS, the Company and the Law Firm are parties to the Legal
Representation Agreement, dated May 27, 2003 (the "Initial Agreement"), pursuant
to which the Company has engaged the Law Firm on an exclusive basis to represent
the Company in connection with licensing and enforcing patents owned by the
Company; and

         WHEREAS, the Company and the Law Firm desire to mutually amend and
restate the Initial Agreement, among other things, to acknowledge that the
Company has engaged McBride Law, PC (the "McBride Firm") to assist the Company
and the Law Firm in connection with the solicitation, negotiation and execution
of Patent Agreements with third parties and related patent litigation;

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

                                    SECTION I

                                   DEFINITIONS

     1.1 "Patents" shall mean the U.S. patents listed in Appendix A and their
corresponding non-U.S. counterparts, and all reissuances, re-examinations,
continuations, continuations-in-part, and divisionals, of all of the
aforementioned, if any.

     1.2 "Patent Agreement" shall mean an agreement entered into after the date
hereof under which the Company grants a license to all or a subset of the
Patents to any third party, whether with or without patent litigation; provided,
however, that the term Patent Agreement shall not mean any agreement between the
Company and any party with whom the Company currently has an Existing Licensing
Agreement.

     1.3 "Litigation" shall mean (1) the filing and prosecution of a lawsuit for
patent infringement against a third party for infringement of one or more of the
Patents (including, but not limited to, defending any counterclaims brought by
such third party in connection therewith); (2) the defense of any of the Patents
in an action against the Company in respect to any of the Patents, including a
declaratory judgment; (3) the filing and prosecution of a patent infringement
counterclaim against a third party that brings an action against the Company in
respect to any of the Patents, including a declaratory judgment against any of
the Patents; or (4) a patent interference proceeding at the U.S. Patent &
Trademark Office (USPTO). If a counterclaim of patent infringement is made by
the Company in a legal action filed by a third party against the Company in
respect to any of the Patents, the defense of such action and counterclaim shall
count as a single Litigation. A Litigation is deemed to have ended when such
Litigation is dismissed from the tribunal in which the Litigation was filed, the
Company decides not to appeal a judgment within the prescribed time under
applicable law, or a judgment is rendered by a tribunal from which no appeal can
be taken. A Litigation instigated by the Company that names multiple independent
parties is considered to be multiple Litigations where the total number of
Litigations is the same as the number of independent parties named in such
Litigation.

<PAGE>

                                   SECTION II

                           APPOINTMENT OF THE LAW FIRM

     2.1 The Company hereby appoints the Law Firm as the Company's exclusive
representative for the solicitation, negotiation and execution of Patent
Agreements with third parties unless otherwise agreed by the Company and the Law
Firm. The Company shall have control of any material decisions in connection
with such representation. Notwithstanding the foregoing, without the consent of
the Law Firm, at no time shall the Company require the Law Firm, and the Law
Firm shall not be obligated, to represent the Company in more than seven (7)
Litigations at any one time (provided that such number shall be reduced to five
(5) if the engagement by the Company of the McBride Firm shall terminate and the
Company shall not have replaced such firm with substitute counsel that provides
substantially the same or similar services as the McBride Firm). The Company
shall have control of all material decisions involving any Litigation, including
selection of which third parties legal action shall be brought against, and
settlement of any Litigation. The Law Firm hereby represents and warrants to the
Company that the primary members of the Law Firm responsible for the Law Firm's
duties and obligations under this Agreement shall be Steven N. Terranova and
Benjamin S. Withrow (the "Members").

     2.2 Notwithstanding the foregoing, the Law Firm acknowledges that the
Company has concurrently herewith entered into an Engagement Agreement, dated as
of July 10, 2006, between the Company and the McBride Firm (the "Engagement
Agreement"), pursuant to which the Company has engaged the McBride Firm to
assist the Company and the Law Firm in connection with the solicitation,
negotiation and execution of Patent Agreements with third parties and related
Litigation, and the Law Firm hereby consents to the actions contemplated by the
Engagement Agreement. The Company and the Law Firm agree that the McBride Firm
shall be added as counsel of record to all pending Litigation as of the date of
this Agreement.

     2.3 Nothing contained in this Agreement shall be construed as granting or
conveying to the Law Firm any rights to use the Patents, by implication or
otherwise. The Law Firm hereby acknowledges the Company's proprietary interest
in the Patents and all materials related thereto, and the Law Firm hereby agrees
not to take, or authorize the taking of, any action that would compromise,
damage or dilute the interest of the Company in the Patents or any related
materials. The Law Firm hereby agrees that it shall not challenge or otherwise
take any action to impair the Company's rights in the Patents.

<PAGE>

                                   SECTION III

                             DUTIES OF THE LAW FIRM

     3.1 The Law Firm hereby agrees in connection with its legal representation
of the Company under this Agreement to use its best efforts to perform its
duties under this Agreement, including without limitation to:

          A.   Identify prospective licensees based on market analysis;

          B.   Contact such prospective licensees and discuss possible Patent
               licenses;

          C.   Negotiate, draft and obtain a definitive Patent Agreement with
               each such prospective licensee;

          D.   If requested by the Company, represent the Company as legal
               counsel in connection with any Litigation commenced by the
               Company during the term of this Agreement provided that if the
               Law Firm is not licensed to practice law in the jurisdiction
               where such Litigation is brought or defended, as the case may be,
               the Law Firm shall be allowed by the Company to hire local
               counsel licensed to practice law in the jurisdiction where such
               Litigation is brought or defended, as the case may be. The Law
               Firm is only required to commence a Litigation against a third
               party if such third party infringes at least one valid claim in
               the Patents and the requirements of Rule 11 of the Federal Rules
               of Civil Procedure are met and satisfied;

          E.   Provide legal services related to the continued prosecution of
               the Company's Patents with the USPTO, to include, but not limited
               to, filing of continuation applications in respect of the
               Patents, prosecuting and defending re-examinations of the
               Patents, and prosecuting any reissue applications of the Patents;
               and

          F.   Obtain and supervise foreign counsel related to the continued
               prosecution of the Company's Patents outside the United States,
               to include, but not limited to defense of oppositions against the
               Patents.

<PAGE>

     3.2 The Law Firm, under the direction of the Company, shall solicit, draft
and negotiate (subject to Section 3.3 below) Patent Agreements with third
parties.

     3.3 Notwithstanding anything in this Agreement to the contrary, all Patent
Agreements shall be in such form and have such terms and conditions, including
pricing terms, as are established and approved by the Company.

     3.4 The Company may engage persons and/or other counsel to assist the Law
Firm to perform its duties hereunder. The Law Firm may engage persons and/or
other counsel to assist the Law Firm to perform its duties hereunder subject to
final approval by the Company; provided, however, that (a) one of the Members
shall directly supervise the activities of any such persons or other counsel;
and (b) the Law Firm shall obtain the Company's approval prior to engaging any
such persons or other counsel, and, if requested by the Company, the Law Firm
shall cause such persons to enter into a non-disclosure agreement and in an
attorney-client relationship (if counsel) with the Company on terms and
conditions reasonably acceptable to the Company. The Law Firm shall at all times
use its best efforts to work cooperatively and diligently with the McBride Firm
in connection with their joint representation of the Company under this
Agreement and the Engagement Agreement, dated as of the date hereof, between the
Company and the McBride Firm.

     3.5 The Law Firm shall not be required to take any action with respect to
the Company or the Patents that is prohibited by law.

     3.6 All material decisions that arise out of the Law Firm performing its
duties provided in Section 3 of this Agreement shall be made under the direction
of the Company.

                                   SECTION IV

                            COVENANTS OF THE COMPANY

     4.1 If:

          (a)  the Company identifies a prospective licensee that, in the
               Company's reasonable opinion, infringes all or a subset of valid
               claims in any of the Patents; and

          (b)  after reasonable time and effort by the Law Firm, such
               prospective licensee refuses to enter into a Patent Agreement
               with the Company,

then, upon the Company's reasonable request, the Law Firm shall promptly
commence a legal action against such prospective licensee for patent
infringement of the Patents in which all or a subset of valid claims of the
Patents are infringed. Notwithstanding the foregoing, without the consent of the
Law Firm, at no time will the Company require the Law Firm to represent the
Company in more than seven (7) Litigations at any one time (provided that such
number shall be reduced to five (5) if the engagement of the McBride Firm shall
terminate and the Company shall not have replaced such firm with substitute
counsel that provides substantially the same or similar services as the McBride
Firm).

<PAGE>

     4.2 The Company shall promptly advise the Law Firm regarding all inquiries
received by the Company relating to the licensing of any or all of the Patents.
The Law Firm shall promptly advise the Company regarding all inquiries received
by the Law Firm relating to the licensing of any or all of the Patents.

     4.3 In consideration of the Law Firm's legal representation services
hereunder, the Company shall pay to the Law Firm the amounts established
pursuant to Sections 5.1 and 5.3 of this Agreement below.

                                    SECTION V

                                  COMPENSATION

     5.1 (a) As compensation for its services hereunder, the Law Firm shall
receive a compensation payment equal to: (i) a percentage equal to the
Litigation Revenue Percentage set forth on Appendix C to this Agreement (the
"Litigation Revenue Percentage") of all amounts paid to the Company as damages,
in settlement, or licensing by any parties against whom Litigation has been
commenced by the Company during the Term of this Agreement (the "Litigation
Revenues"); (ii) a percentage equal to the Licensing Revenue Percentage set
forth on Appendix C to this Agreement (the "Licensing Revenue Percentage") of
all other revenues received by the Company pursuant to any Patent Agreements
with any third parties other than those resulting from Litigation (the
"Licensing Revenues"); and (iii) 50% of the Law Firm's billing rates, as set
forth on Appendix C to this Agreement, for services rendered by the Law Firm
during the Term of this Agreement to perform its obligations under this
Agreement, subject to the Company's right generally to approve work to be
performed and subject to the maximum amount of monthly billable hours for each
level of professional set forth in Appendix C to this Agreement. Such
compensation shall be payable by the Company to the Law Firm within thirty (30)
days after the Company has received such Litigation Revenues or Licensing
Revenues or an invoice from the Law Firm for billed services rendered, as the
case may be. Notwithstanding the foregoing, the Law Firm shall not be entitled
to receive any compensation with respect to revenues generated under any
agreement between the Company and any of the parties identified on Appendix B
(the "Existing License Agreements").

         (b) In addition to the foregoing, if the Company shall sell, directly
or indirectly through the sale of Affinity or the Company, one or more of the
Patents (the "Sold Patents") to a third party (the "Purchaser"), the Law Firm
will be entitled to receive a payment in an amount equal to the Licensing
Revenue Percentage (the "Sales Commission") of the total purchase price paid by
the Purchaser to the Company or Affinity, as the case may be (reduced by all
ordinary and customary expenses incurred in connection with such sale) (the
"Sales Price"). The amount of such Licensing Revenue Percentage shall be
determined as if the Sales Price were Licensing Revenues in accordance with
Appendix C to this Agreement.

<PAGE>

     If the Sold Patents are sold as a result of the Purchaser purchasing
Affinity, and Affinity is engaged in another business or owns other assets not
related to the licensing or sale of the Sold Patents that are also being sold to
the Purchaser as part of the same sale with the Sold Patents (the "Other
Assets"), the Sales Price to which the Sales Commission shall be applied shall
be the percentage of the Sales Price that is equal to (1) the fair market value
of Sold Patents divided by (2) the fair market value of the Sold Patents plus
the fair market value of the Other Assets (the "Pro-Rata Sales Price"). If there
is any dispute between the parties about the Pro-Rata Sales Price to which the
Sales Commission shall be applied, both parties shall work cooperatively
together in good faith to select an independent appraiser at a cost to be shared
equally between the Company and the Law Firm that is qualified to evaluate the
fair market value of the Sold Patents and the fair market value of the Other
Assets, and the results of such analysis shall be used by the parties to
calculate the Pro-Rata Sales Price.

     In addition, the Sales Commission shall not exceed nine and one-half
million dollars ($9,500,000.00) (the "Sales Commission Limit") if such sale
occurs within one year after the Effective Date of this Agreement. On the first
anniversary date of this Agreement, the Sales Commission Limit will be increased
to eleven million four hundred thousand dollars ($11,400,000.00), and commencing
on the second anniversary of this Agreement, there shall be no Sales Commission
Limit to limit the Law Firm receiving the full Sales Commission. Such Sales
Commission discussed above in this Section 5.1(b), and subject to the provisions
set forth in Section 5.2 below, shall be payable by the Company to the Law Firm
within thirty (30) days after the Company has received the Sales Price from the
Purchaser and shall consist of the same proportionate cash and non-cash
consideration as paid by the Purchaser to the Company. Upon payment of the Sales
Commission, this Agreement shall terminate, and neither the Company nor the
Purchaser(s) shall be obligated to make any further payments to the Law Firm
under or in connection with this Agreement except as provided in Section 5.3 of
this Agreement.

     5.2 In the event the Company executes a sales transaction as contemplated
by Section 5.1(b) above and the Purchaser or Purchasers desire to retain the
services of the Law Firm in a professional capacity, the retention of such
services shall be disclosed to the Company in writing within fifteen (15) days
after the closing of the sales transaction and shall be subject to the Company's
written approval. In the event the retention of the Law Firm's services are not
disclosed to the Company within fifteen (15) days of the closing of the sales
transaction or Company withholds its approval, the Law Firm agrees that neither
the Law Firm nor any one of its Members will, for a period of five (5) years
after such sales transaction, provide any professional services to any Purchaser
or Purchasers if such professional services have a bearing directly or
indirectly on the Patents.

     5.3 The Company shall be responsible for and shall pay for all
out-of-pocket costs and expenses incurred or to be incurred by the Law Firm in
connection with its services hereunder on a periodic and ongoing basis,
including but not limited to production services, travel and lodging required,
consultants, and other experts, but excluding costs and expenses incurred in
connection with the operations of the Law Firm. All such out-of-pocket expenses
must be pre-approved by the Company.

<PAGE>

     5.4 The Law Firm may, at its cost and expense, audit the Company's and/or
Affinity's books and records for the purpose of determining the amount of
Revenues received by the Company from the Patent Agreements. Any such audit
shall be no more frequent than once each calendar year.

     5.5 The Company and the Law Firm hereby agree that if the engagement by the
Company of the McBride Firm shall terminate for any reason and the Company shall
not replace such firm in a timely fashion with substitute counsel that provides
substantially the same or similar services as the McBride Firm, then the
Litigation Revenue Percentage and the Licensing Revenue Percentage payable by
the Company to the Law Firm hereunder shall be increased by the amounts that
would otherwise have been payable by the Company to the McBride Firm if the
engagement of McBride Firm had not been terminated.

                                   SECTION VI

                              TERM AND TERMINATION

     6.1 The term of this Agreement shall commence upon the Effective Date of
this Agreement and shall continue until the last to expire of the Patents,
unless earlier terminated by any party in accordance herewith. Either party may
terminate this Agreement for any reason, with or without cause, by providing the
other party with no less than thirty (30) days advance written notice, and
subject to the foregoing, this Agreement shall terminate at such time as set
forth in such notice. In addition, either party may terminate this Agreement for
cause (as specified below) at any time by delivering notice to the other party,
and this Agreement shall thereupon terminate immediately.

     6.2 The Company may terminate this Agreement at any time for cause. With
respect to any such termination, "cause" shall mean (i) the Law Firm shall have
materially breached any term of this Agreement or any other agreement between
the Company or any of its affiliates and the Law Firm and, if such breach can be
cured, the Law Firm shall have failed to cure such breach within thirty (30)
days after receiving notice from the Company of such breach; provided, however,
that the Company shall not be required to give notice of any specific type of
breach more than once; (ii) the employment of one of the Members with the Law
Firm shall terminate, or the Law Firm shall re-assign, without the Company's
prior written consent, primary responsibility for the Law Firm's obligations
under this Agreement to any person other than one of the Members; (iii) the Law
Firm shall have committed an act of financial dishonesty against the Company;
(iv) the Law Firm shall have committed an act involving a felony or involving
moral turpitude that brings the Company or any of its affiliates into public
disrepute; or (v) the Law Firm shall have demonstrated repeated inattentiveness
with respect to its obligations under this Agreement as evidenced by, without
limitation, failure by the Law Firm to devote the time and attention required to
fulfill its obligations under this Agreement, repeated failure by the Law Firm
to return telephone calls from the Company, repeated failure by the Law Firm to
participate in any meetings reasonable arranged by the Company, or any other
acts or failures to act that evidence the Law Firm's repeated inattentiveness
provided that the Law Firm shall have failed to cure such inattentiveness within
thirty (30) days after receiving notice from the Company of such
inattentiveness; and provided, however, that the Company shall not be required
to give notice of any specific type of inattentiveness more than once.

<PAGE>

     6.3 The Law Firm may terminate this Agreement at any time for cause. With
respect to any such termination, "cause" shall mean (i) the Company shall have
materially breached any term of this Agreement or any other agreement between
the Company and the Law Firm and, if such breach can be cured, the Company shall
have failed to cure such breach within thirty (30) days after receiving notice
from the Law Firm of such breach; provided, however, that the Law Firm shall not
be required to give notice of any specific type of breach more than once; (ii)
the Company shall have committed an act of financial dishonesty against the Law
Firm; (iii) the Company shall have committed an act involving a felony or
involving moral turpitude that brings the Law Firm or any of its affiliates into
public disrepute; or (iv) the Company shall have demonstrated repeated
inattentiveness with respect to its obligations under this Agreement as
evidenced by, without limitation, failure by the Company to devote the time and
attention required to perform its obligations under this Agreement, repeated
failure by the Company to return telephone calls from the Law Firm, repeated
failure by the Company to participate in any meetings reasonably arranged by the
Law Firm, or any other acts or failures to act that evidence the Company's
repeated inattentiveness provided that the Company shall have failed to cure
such inattentiveness within thirty (30) days after receiving notice from the Law
Firm of such inattentiveness; provided, however, that the Law Firm shall not be
required to give notice of any specific type of inattentiveness more than once.

     6.4 If this Agreement is terminated, the Law Firm shall be entitled to the
following:

          (a)  If the Company terminates this Agreement for "cause" as defined
               in Section 6.2 of this Agreement, the Law Firm shall be entitled
               to receive the Litigation Revenue Percentage of any Litigation
               Revenues, and the Licensing Revenue Percentage of any Licensing
               Revenues, as the case may be, thereafter received by the Company
               attributable to any Litigation settled and Patent Agreements
               entered into prior to such termination. In the event that
               litigation is in process at the time the Company terminates this
               agreement for cause, the Law Firm shall share pro rata in any
               settlement with such law firm as may be named by the Company to
               continue the litigation; however, in no event will the Law Firm
               receive more than fifty percent (50%) of the Litigation Revenue
               Percentage of the Litigation Revenues received by the Company in
               settlement of such litigation. The Company shall allow and give
               permission to the Law Firm to withdraw as counsel from all
               pending and anticipated Litigation and prosecution of the Patents
               provided that Law Firm shall work cooperatively with the Company
               to transition such Litigation and prosecution of the Patents to
               counsel of the Company's choosing and the Company shall
               diligently work to obtain new counsel to become counsel of record
               for such Litigation and Patents.

<PAGE>

          (b)  If this Agreement is terminated by the Company without "cause" as
               defined in Section 6.2 of this Agreement, or this Agreement is
               terminated by the Law Firm "with cause" as defined in Section 6.3
               of this Agreement, the Law Firm shall be entitled to receive (i)
               the Litigation Revenue Percentage of any Litigation Revenues, and
               the Licensing Revenue Percentage of any Licensing Revenues, as
               the case may be, thereafter received by the Company attributable
               to (A) any Patent Agreements entered into prior to such
               termination and (B) any Patent Agreements entered into after such
               termination with any licensee with whom the Law Firm, upon the
               Company's approval, was engaged in substantive discussions or
               substantive negotiations, or to whom, upon the Company's
               approval, the Law Firm has sent a communication notifying such
               third party of infringement or possible infringement of any of
               the Patents prior to notice of termination, or to whom, upon the
               Company's approval, the Law Firm has sent a written inquiry about
               whether such third party desires to obtain a license to any of
               the Patents prior to notice of termination, or against whom, upon
               the Company's approval, the Law Firm arranged for and/or
               initiated the commencement of Litigation prior to the time of
               termination; and (ii) one-half of the Litigation Revenue
               Percentage of any Litigation Revenues, and one-half of the
               Licensing Revenue Percentage of any Licensing Revenues, as the
               case may be, thereafter received by the Company attributable to
               any Patent Agreements entered into subsequent to such termination
               (to the extent not covered by clause 6.4(b)(i) above); and the
               Company shall allow and give permission to the Law Firm to
               withdraw as counsel from all pending and anticipated Litigation
               and prosecution of the Patents provided that Law Firm shall work
               cooperatively with the Company to transition such Litigation and
               prosecution of the Patents to counsel of the Company's choosing
               and the Company shall diligently work to obtain new counsel to
               become counsel of record for such Litigation and Patents.

<PAGE>

          (c)  If this Agreement is terminated by the Law Firm without cause,
               the Company shall not be obligated to make any further payments
               to the Law Firm except as provided in this Section 6.4(c). The
               Law Firm shall be required to continue representation of the
               Company in any pending Litigations at the time of such
               termination until such time that the Company can obtain new
               counsel of its choosing. The Company shall pay the Law Firm a
               pro-rata payment based on a full payment in an amount equal to
               the Litigation Revenue Percentage of all Litigation Revenues
               received by the Company under any Patent Agreements or judgments
               that result from such Litigations wherein the amount of
               pro-ration shall be one hundred percent (100%) if no new counsel
               works on such Litigations as attorney of record before such
               Litigations result in a Patent Agreement or a judgment, and the
               amount of pro-ration shall be a percentage in proportion to the
               amount of work performed by the Law Firm in relation to new
               counsel if new counsel is obtained by the Company to be counsel
               for the Litigations.

          (d)  In addition to the payments set forth above, if this Agreement is
               terminated by any party, the Company shall remain obligated to
               pay and/or reimburse the Law Firm for all outstanding invoices
               and work in progress for billed time (in accordance with Appendix
               C) and/or out-of-pocket costs and expenses incurred or to be
               incurred by the Law Firm in connection with its services
               hereunder, including but not limited to production services,
               travel and lodging required, consultants, and other experts, but
               excluding any costs and expenses incurred in connection with the
               operations of the Law Firm.

<PAGE>

          (e)  The payments required to be made by the Company to the Law Firm
               pursuant to this Section 6.4 shall be the only payments that the
               Company shall be obligated to make to the Law Firm following the
               termination of this Agreement.

     6.5 The provisions of Sections 5.2, 5.3, 5.4, VI (all sections), VII (all
sections), VIII (all sections), and XI (all sections), shall survive any
termination of this Agreement.

                                   SECTION VII

                             LIMITATION OF LIABILITY

     7.1 In no event shall either party be entitled to special, indirect or
consequential damages, including lost profits, for breach of this Agreement by
the other party.

                                  SECTION VIII

                                   INDEMNITIES

     8.1 The Company hereby agrees to indemnify the Law Firm from and against
any loss, liability, claim, damage or expense (including reasonable attorneys'
fees and expenses), whether or not involving a third-party claim, arising out of
any material breach by the Company of any of the terms of this Agreement or any
Patent Agreement, or against any action brought by a shareholder of Affinity
against the Law Firm related to this Agreement or Law Firm's services hereunder
if the Law Firm has not breached this Agreement or its duties to the Company,
and the Law Firm has not otherwise violated any law or regulation that is the
cause of such action brought by such shareholder of Affinity.

     8.2 Promptly after receipt by the Law Firm of any notice of the
commencement of any action in Section 8.1 of this Agreement, the Law Firm shall
notify the Company in writing of the commencement thereof, but the failure to
give such notice shall not relieve the Company from its obligations hereunder
except to the extent that the Company demonstrates that the defense of such
claim or demand is materially prejudiced by the failure to give such notice. In
case any such action shall be brought by a third party against the Law Firm and
it shall notify the Company of the commencement thereof, the Company shall be
entitled to participate therein and, to the extent that it shall wish, to assume
the defense thereof, with counsel reasonably satisfactory to the Law Firm, and,
after notice from the Company of its election so to assume the defense thereof,
the Company shall not be liable to the Law Firm for any attorneys' fees and
expenses subsequently incurred by the Law Firm. In any such action, each party
hereby agrees to cooperate with the other party in the defense thereof.

<PAGE>

                                   SECTION IX

                         REPRESENTATIONS AND WARRANTIES

     9.1 The Company hereby represents and warrants that it is the sole owner of
the Patents and has the right to grant licenses under the Patents to third
parties, the Company has the right to enter into this Agreement and enter into
the commitments provided in this Agreement, and that set forth on Appendix B are
all parties with whom the Company has entered into Existing License Agreements.

     9.2. Each party understands and acknowledges that even though it will exert
its best efforts to perform in accordance with this Agreement and to obtain
Patent Agreements between third parties and the Company through negotiations
and/or enforcement of the Patents, such party does not guarantee or warrant that
a third party will execute a Patent Agreement with the Company. Each party
acknowledges that the decision as to whether a third party executes a Patent
Agreement with the Company may be based on a variety of factors and other
reasons that may be beyond the control of both the Company and the Law Firm.

                                    SECTION X

                                     NOTICES

     10. All notices, demands, or other communications required or permitted by
this Agreement shall be in writing and shall be sent or given to the following
address:

                           If to Affinity or the Company, to:

                                    8807 A Two Notch Road
                                    Columbia, South Carolina  29223
                                    Telecopy: (803) 758-2560
                                    Attention:  President

                           If to the Law Firm, to:

                                    Withrow & Terranova, PLLC
                                    201 Shannon Oaks Circle
                                    Suite 200
                                    Cary, North Carolina  27511
                                    Telecopy:  (919) 654-4521
                                    Attention:  Steven Terranova

<PAGE>

                                    with an additional copy to:

                                    Withrow & Terranova, PLLC
                                    P.O. Box 1287
                                    Cary, North Carolina  27512
                                    Attention:  Managing Member

Such notice shall be deemed to have been duly sent or given when (i) delivered
by hand, (ii) sent by facsimile transmission (with written confirmation of
receipt), provided a copy is mailed by registered mail, return receipt
requested, or (iii) mailed by registered or certified mail, postage prepaid
(return receipt requested), or nationally recognized overnight delivery service.
Either party may change its address or telecopy number for purposes of notices
hereunder upon notice to the other party, provided that such change shall be
effective only upon receipt thereof by the other party.

                                   SECTION XI

                          CHOICE OF LAW AND ARBITRATION

     11.1 This Agreement shall be governed and construed in accordance with the
laws of the State of North Carolina without regard to conflict of laws
principles. Except as otherwise provided in Section 11.2 of this Agreement, any
arbitration proceeding initiated by the Company shall take place in Raleigh,
North Carolina, and any arbitration proceeding initiated by the Law Firm shall
take place in Columbia, South Carolina.

     11.2 Any controversy, dispute, or question arising out of, or in connection
with, or relating to the compensation to be paid by the Company to the Law Firm
under this Agreement, including under Sections V, VI, and VIII, shall first be
handled under the North Carolina State Bar's fee dispute resolution in Raleigh,
North Carolina under Rule 1.5(f) of the North Carolina Rules of Professional
Conduct, which includes the requirement of the Law Firm to (1) make reasonable
efforts to advise the Company of the existence of the North Carolina State Bar's
program of fee dispute resolution at least thirty (30) days prior to initiating
legal proceedings against the Company to collect the disputed compensation; and
(2) participate in good faith in the fee dispute resolution process if the
client submits a proper request.

     11.3 Subject to Section 11.2 of this Agreement, any controversy, dispute or
question arising out of, or in connection with, or in relation to this Agreement
or its interpretation, performance or non-performance or any breach thereof
shall be determined by arbitration conducted in accordance with then-existing
rules of the American Arbitration Association. Each party to such dispute shall
select one arbitrator and the two arbitrators shall select a third with
substantially similar qualifications. Any decision rendered shall be binding
upon the parties thereto and may be enforced in any jurisdiction. However, the
arbitrators shall have no authority to grant any relief that is inconsistent
with the Agreement. The expense of arbitration shall be borne equally by the
parties thereto.

<PAGE>

                                   SECTION XII

                           ASSIGNMENT AND SEVERABILITY

     12.1 This Agreement and all of the provisions hereof shall be binding upon
and inure to the benefit of the parties hereto and their respective successors
and permitted assigns. Neither this Agreement nor any of the rights, interests
or obligations hereunder shall be assigned by the Law Firm without the prior
written consent of the Company, and any such attempted assignment shall be null
and void. Neither this Agreement nor any of the rights, interests or obligations
hereunder shall be assigned by the Company without the prior written consent of
the Law Firm, and any such attempted assignment shall be null and void. Affinity
and the Company shall be jointly and severally liable for their obligations set
forth in this Agreement.

     12.2 The parties intend that this Agreement shall be a valid legal
instrument, and no provision of this Agreement which is later deemed invalid or
unenforceable shall in any way invalidate any other provisions of this
Agreement. In such case, this Agreement shall be reformed to the minimum extent
necessary to correct any invalidity or unenforceability.

                                  SECTION XIII

                               COMPLETE AGREEMENT

     13.1 The Agreement constitutes the entire agreement between the parties
with respect to the subject matter hereof. No amendment, waiver or discharge
hereof shall be valid unless it is in writing and executed by the party against
whom such amendment, waiver or discharge is sought to be enforced.

     13.2 The parties agree that this Agreement is the complete and exclusive
statement thereof between the parties with respect to the subject matter hereof
and that it supercedes and merges all prior proposals and understandings and all
other agreements, whether written or oral, between the parties relating to the
subject matter hereof. This Agreement may not be modified or altered except by a
written instrument duly executed by the parties hereof.

                                   SECTION XIV

                       INDEPENDENT LEGAL ADVICE AND REVIEW

     14.1 The Company agrees and hereby acknowledges that it has been advised by
the Law Firm to seek independent legal advice regarding this Agreement, and that
the Company has sought and received independent legal advice from an attorney of
law regarding this Agreement, and the Company is entering into this Agreement of
its own volition after receiving such independent legal advice.

                                         (signatures are on the next page)

<PAGE>

     IN WITNESS WHEREOF, the parties have caused this Agreement to be executed
as set forth below.

WITHROW & TERRANOVA, PLLC               AFFINITY TECHNOLOGY GROUP, INC.

Signature:  /s/ Steven N. Terranova     Signature:  /s/ Joseph A. Boyle
            -----------------------                 -------------------
Name:       Steven N. Terranova         Name:  Joseph A. Boyle
Title:      Member                      Title:  President and Chief Executive
                                                Officer
Date:    July 10, 2006
                                        Date:  July 10, 2006

                                        DECISIONING.COM, INC.

                                        Signature:  /s/ Joseph A. Boyle
                                                    -------------------
                                        Name:  Joseph A. Boyle
                                        Title:  President

                                        Date: July 10, 2006

<PAGE>

                                   APPENDIX A

                                     Patents

U.S. Patent No. 6,105,007 C1
U.S. Patent No. 5,870,721 C1
U.S. Patent No. 5,940,811 C1
U.S. Patent No. 5,537,315

<PAGE>

                                   APPENDIX B

                                   (NOT USED)

<PAGE>

                                   APPENDIX C

                  Contingency Schedule for Revenue Percentages

"Litigation Revenue Percentage"

19%

"Licensing Revenue Percentage"

Total Licensing Revenues (cumulative)                         Percentage
------------------------------------------------------------------------
Up to $99,999,999.99                                          19%
$100,000,000 - $199,999,999.99                                15%
$200,000,000 - $299,999,999.99                                11%
$300,000,000 - $399,999,999.99                                7%
$400,000,000 - $499,999,999.99                                4.5%
$500,000,000 and above                                        2.5%

Billable Attorneys, Paralegals, Staff, Bill Rates and Maximum Hours Billable
Per Month

Attorneys                        Billing Rate                    Max. Hrs./Month
--------------------------------------------------------------------------------
Partner #1                       $162.50                         200
Associate #1                     $125                            200
Associate #2                     $125                            200
Paralegals                       $65                             200

* Billing rates listed above are subject to a maximum of 5% increase per
calendar year starting with calendar year 2007

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