Document:

Capital Resource Funding, Inc.

17115  Kenton  Drive                                (704)  564-1676
Suite  202-A                                        (704)  987-0320  (fax)
Cornelius,  NC  28031
dkoran@crf.com
--------------

                                  June 23, 2004

Mr.  Edward  A.  Roth,  President  and  Chief  Executive  Officer
HairMax  International,  Inc.
9900  West  Sample  Road
Suite  300
Coral  Springs,  Florida  33065

     Re:  Letter  of  Intent  -  Strategic  Alliance

Dear  Mr.  Roth:

Per our conversation, we submit this Letter of Intent regarding a share exchange
between Capital Resource Funding, Inc. ("CRF"), a North Carolina corporation and
HairMax  International,  Inc.  ("HairMax"),  a  Nevada  Corporation.

                                   Background

By  way  of  background, CRF was formed February 2004. We are in the business of
providing  consultative  services  to  small  to mid sized businesses in need of
financing.  We  have  strategic broker relationships with many different funding
sources  ranging from SBA loans, commercial mortgages, factoring and asset based
loans.  Our services are of no additional fee to our clients as we are paid from
each  lender.  The  brokering  income  ranges from a one time origination fee to
on-going  monthly  commissions  paid  for  the  life  of  the financing. We have
launched  our website in April 2004 entitled www.capitalbusinessfunding.com. Our
                                             ------------------------------
offices  are  at  17115  Kenton  Drive  Cornelius,  NC  28031.

We understand that HairMax operates beauty and hair salons and performs cleaning
services  to commercial customers in major cities in the United States.  HairMax
is a reporting public company that has registered its common stock under Section
12(g)  of  the  Securities  Exchange  Act  of  1934,  as  amended.

We  intend  to  enter  into a strategic alliance whereby the services of CRF are
offered  to  the  commercial customers of HairMax with a 50/50% revenue split on
every  referral.

                               TERMS OF AGREEMENT
                               ------------------

1.   Referrals.  HairMax  will  make  available  to  the  services of CRF to its
     ---------
commercial  customer  base  and  to also be included in mailing campaigns to its
customers.  HairMax  will  also  provide  a  hyperlink  to  the  CRF  web  site.

2.   Payment.  In  consideration  of  the  services  provided  by  HairMax,  CRF
     -------
will pay to HairMax 200,000 shares of its unregistered common stock, ($0.001 par
value.)  At  the  time of issuance, CRF will have issued and outstanding no more
than  10,000,000  shares of its common stock and shall have no options, warrants
or  securities  convertible  into  common  stock.

3.   Registration  ofHairMax  Payment.  CRF  shall  use  its  reasonable  best
     --------------------------------
efforts  to  promptly  register the shares issued to HairMax in consideration of
this  Agreement by the filing of a registration statement by CRF with the United
States  Securities  &  Exchange  Commission under the Securities Act of 1933, as
amended. To the fullest extent permissible under the applicable securities laws,
the  registration  shall register the issuance of shares to HairMax shareholders
and  the  subsequent resale of the shares. HairMax will distribute the shares to
its  shareholders  of  record  as  of  June 30, 2004 in proportion to their then
current  shareholdings  in  HairMax  common  stock  upon  effectiveness  of  the
registration  statement  pertaining  to  the  shares.

CRF  shall  use  its  reasonable  best efforts to obtain a listing on the NASDAQ
Over-the-Counter  Bulletin  Board  (OTC  BB) or similar recognized U.S. national
exchange.

The  registration  statement  shall be at no cost to HairMax or its shareholders
and  CRF  shall  be  solely  responsible for the costs of filing fees, legal and
accounting fees, printing or other costs. HairMax will bear the costs of mailing
or  delivery  associated with distributing the common shares to its shareholders
upon  effectiveness  of  the  registration  statement.

HairMax  acknowledges  the  possibility that it may be deemed to be a "statutory
underwriter"  within the meaning of Section 2(11) of the Securities Act. HairMax
agrees  that it will comply with all prospectus delivery requirements that would
apply  to  a  statutory  underwriter  in connection with the distribution of our
shares  to  its  shareholders.  Further,  HairMax  will  comply  with  all
anti-manipulation  rules of the SEC, including Regulation M. If a market for the
shares  develops,  these  rules  may apply to sales in the marketplace was well.

Please  note  that  Regulation  M  prohibits  any  person  who participates in a
distribution from bidding for or purchasing any security which is the subject of
the  distribution  until  the entire distribution is complete. It also prohibits
purchases  to  stabilize  the  price  of  a  security  in  the  distribution.

4.   Confidentiality.  Both  parties  shall  keep  this  Agreement  confidential
     ---------------
during  the  "quiet  period"  of  the  CRF registration and will not issue press
releases  or otherwise notice the Agreement until the CRF registration statement
has  been  filed  and  public  pronouncements  are  permitted.

We  are  excited  about the opportunity for growth offered by this agreement. If
you  have  any  questions,  please  do  not  hesitate  to  contact  me.

                         Very  truly  yours,

                         Capital  Resource  Funding,  Inc.

                         By:  /s/  David  R.  Koran
                              President

Agreed  To:

HairMax  International,  Inc.:

By:  /s/  Edward  A.  Roth
     ---------------------
     Edward  A.  Roth
     President  and  Chief  Executive  OfficerExhibit 10(x)

                            [Manatt Jones Letterhead]

July 1, 2004

Michael J. Parrella
Chairman and CEO
Artera Group, Inc.
20 Ketchum Street
Westport, CT 06880

Re: Retention Agreement

Dear Mr. Parrella:

As requested,  I am very pleased to forward this letter of engagement to provide
certain services to Artera Group, Inc. ("Artera" or "Client") in connection with
the  proposed  development  of  strategic  business  opportunities  for Artera's
high-speed data communications and VoIP software  applications in global markets
(the "Project").

We provide this Letter of  Agreement  ("Agreement")  and the  attached  Standard
Terms and  Conditions  that  confirm the  arrangements,  terms,  and  conditions
pursuant to which Manatt Jones Global Strategies, LLC ("Consultant"),  agrees to
act on behalf of Artera ("Company").

The undersigned hereby agree to the following terms and conditions:

1.   Scope of Services
     -----------------

     Using  commercially  reasonable  efforts  to provide  non-legal  advice and
     support in connection with the proposed  development of strategic  business
     opportunities for Artera's high-speed data communications and VoIP software
     applications in global markets (the "Project").  This includes identifying,
     on  a  World-Wide  basis,  appropriate  strategic  business  partners,  and
     supporting  the  Company's  efforts to  consummate  transactions  with such
     partners.

2.   Term of the Agreement
     ---------------------

     The effective  date of this  Agreement  shall be July 1, 2004.  The term of
     this Agreement shall be for a period of sixteen (16) months, terminating on
     October 31, 2005. At the  conclusion  of the term,  should it decide in the
     affirmative, the Company and Consultant shall conclude a new agreement with
     respect to the specific  scope of services to be provided,  the term of the
     agreement, and compensation.

                                       1
<PAGE>

3.   Available Time
     --------------

     Consultant  shall make available  such time as it, in its sole  discretion,
     deems  appropriate  for  the  performance  of its  obligations  under  this
     Agreement.

4.   Compensation & Billing
     ----------------------

     Company will pay to Consultant a monthly  retainer in the amount of sixteen
     thousand  two  hundred and fifty  dollars  ($16,250).  The initial  monthly
     retainer at the beginning of the contract  period,  and in each  subsequent
     month, shall be payable on the 25th of each month, or, if the 25th falls on
     a holiday or weekend,  then on the last  business  day prior to the 25th of
     each month.

5.   Assignment
     ----------

     This  Agreement  shall not be  assignable by either party without the other
     party's  prior  written  consent.   Consultant  shall  not  retain  outside
     professional services or advisors without the Company's written consent.

6.   Amendment
     ---------

     This  Agreement may not be amended or modified  except in writing signed by
     the Company and Consultant and may be executed in two or more counterparts,
     each of which  will be  deemed  to be an  original,  but all of which  will
     constitute  one  and  the  same  agreement.  All  rights,  liabilities  and
     obligations  under this  Agreement  are binding upon and for the benefit of
     the Company,  Consultant and each  Indemnified  Party and their  respective
     successors and assigns.

                                                   Sincerely yours,

                                                   /s/  James R. Jones
                                                   -------------------------
                                                   James R. Jones

AGREED AND ACCEPTED:

By:  /s/  Michael J. Parrella
     --------------------------

Title:

          Artera Group, Inc.

Date:     July 14, 2004

                                       2
<PAGE>

          MANATT JONES GLOBAL STRATEGIES STANDARD TERMS AND CONDITIONS
<TABLE>
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<C> <C>
Written Agreement.  This Retention  Agreement sets forth the  under  this  engagement  are  attorneys.  Client  further
basic  terms and  conditions  relating to the  retention  of  acknowledges  and  agrees  that its  retention  of Manatt
Manatt Jones by Client.  The  Retention  Agreement  together  Jones is not a  retention  of Manatt,  Phelps & Phillips,
with  these   Standard   Terms  and   Conditions   (together  LLP for  conflicts  purposes,  and that Manatt,  Phelps &
constituting the "Retention  Agreement") comprise the entire  Phillips,  LLP may accept  engagements  adverse to Client
understanding   between  the  parties,  and  any  previously  or its  interests  at  the  same  time  Manatt  Jones  is
stated  understandings,  either  written or oral, are hereby  representing Client.
rendered  null and void.  Any  modification  to the terms of
the  Retention   Agreement  must  be  made  in  writing  and  Securities  Laws.  Manatt  Jones will not be  required to
executed  by  signature  of both  parties  before it becomes  take any action or perform any services  which, in Manatt
effective.                                                    Jones' sole and  absolute  judgment,  would cause  Manatt
                                                              Jones  to  serve  or  function  in  the   capacity  of  a
Relationship  of  the  Parties.   Client   acknowledges  and  "broker,"  "dealer"  or  "investment  advisor,"  as those
agrees that Manatt Jones is being engaged as an  independent  terms are  defined  for  purposes  of the  United  States
contractor.   Client  further   acknowledges   it  has  been  securities  laws  or the  securities  laws  of any  other
advised that Manatt Jones is an affiliate of Manatt,  Phelps  state or  jurisdiction,  or which  would  subject  Manatt
&   Phillips,    LLP,   a   law   firm.    Client    agrees,  Jones  to  regulation  under  any such  laws or  enabling
notwithstanding   that  some  or  all  of  the   individuals  regulations.
providing  services  under this  engagement  are  attorneys,
this  engagement is not intended to, and does not, create an  Indemnification.  Except for any loss  arising  out of or
attorney-client   relationship   between  Manatt  Jones  and  relating to gross  negligence  or willful  misconduct  of
Client,  or between  any  person  acting on behalf of Manatt  Manatt  Jones,  Client  agrees to defend,  indemnify  and
Jones and  Client,  or between  Manatt,  Phelps &  Phillips,  hold harmless  Manatt Jones and its partners,  employees,
LLP, and Client.  Client  understands that Manatt Jones will  agents  and  affiliates  from  and  against  any  and all
not be  rendering  legal  advice or services  to Client.  In  claims,  losses,  costs,  damages,  suits  and  expenses,
the event legal  services are  necessary  or advisable  with  including reasonable  attorneys fees and costs,  relating
respect to accomplishing  the objectives of this engagement,  to, or arising out of, this engagement.
Client  understands  that it  will  contract  directly  with
Manatt,  Phelps &  Phillips,  LLP, or such other law firm it  Limited  Liability.  The total  liability of Manatt Jones
may  choose,   for  such  legal   services,   and  that  the  and its partners,  employees,  agents and  affiliates for
compensation  being paid to Manatt Jones for this engagement  all  claims of any kind  arising  out of this  engagement
does not include the  compensation to be paid for such legal  shall be limited  to the total fees paid to Manatt  Jones
services,  notwithstanding  that  the  same  persons  may be  on  this   engagement,   except  to  the  extent  finally
providing  both  consulting  services  under this  Retention  determined  to  have  resulted  from  the  bad  faith  or
Agreement  and legal  services  under a  separate  agreement  intentional  misconduct  of Manatt  Jones.  Manatt  Jones
with Manatt, Phelps & Phillips, LLP.                          shall in no event be liable for any punitive damages.

Confidentiality.  Manatt  Jones  shall at all  times  during  Arbitration.  Client and Manatt  Jones  agree any dispute
and after the term of this Retention  Agreement maintain all  arising out of or relating  to this  engagement  shall be
nonpublic  information  obtained  from  Client  or  Client's  resolved  by  submission  to binding  arbitration  in the
affiliates or agents in strictest  confidence  and shall not  District  of   Columbia,   before  a  retired   judge  or
make use of or  disclose  any  confidential  information  to  justice.  If  the  parties  are  unable  to  agree  on  a
anyone  other  than  in  furtherance  of  this   engagement.  retired  judge  or  justice,  each  party  will  name one
Manatt Jones shall be responsible  for compliance  with such  retired  judge or  justice  and the two  persons so named
obligations by its affiliates and agents.  All  confidential  will  select a neutral  judge or justice  who will act as
information  supplied  by Client  under this  engagement  is  the sole arbitrator.
delivered on an "as is" basis.
                                                              The  parties  shall  be  entitled  to take  discovery  in
Limitations  on Reliance  and Use. The analysis and opinions  accordance   with  the  provisions  of  the  District  of
provided  on  this   engagement   will  be  based  upon  the  Columbia  Superior  Court Rules of Civil  Procedure,  but
information  and  assumptions  provided  by or on  behalf of  either  party may request that the  arbitrator  limit the
Client  to  Manatt   Jones.   Manatt   Jones  will  have  no  amount or scope of discovery and, in determining  whether
obligation  to  confirm  the  accuracy,  reasonableness,  or  to do so, the  arbitrator  shall balance the need for the
completeness  of  such  information  and  assumptions.   The  discovery  against the parties'  mutual desire to resolve
conclusions,  strategies,  analysis,  comments, and opinions  disputes expeditiously and inexpensively.
expressed by Manatt Jones are provided  strictly for the use
of  Client  and may not be  disseminated  to,  used  by,  or  The  prevailing  party  shall be  entitled to recover all
relied  upon  by any  third  party  for  any  other  purpose  reasonable  attorneys' fees, expert fees,  expenses,  and
without Manatt Jones' written consent.                        costs (whether or not such fees, expenses,  and costs are
                                                              recoverable   pursuant   to  the   District  of  Columbia
Conflicts.  Manatt  Jones  may be  retained,  in  connection  Superior Court Rules of Civil Procedure).
with  other  matters  not  substantially   related  to  this
engagement,  by parties who have  interests  that may not be  No Warranty.  Client  acknowledges that Manatt Jones does
consistent    with   those   of   Client.    Manatt   Jones'  not warrant any particular  result will be achieved,  and
determination   of  conflicts  is  based  primarily  on  the  that  Client's  obligation  to pay the  amounts due under
substance of the work,  as opposed to the parties  involved.  this  Retention   Agreement  is  not  contingent  upon  a
Manatt  Jones  reserves the right to accept  engagements  by  favorable   outcome   to  this   engagement,   except  as
other parties  consistent  with this  determination.  Client  otherwise expressly provided.
acknowledges  that  Manatt  Jones is not subject to the same
rules   regarding   conflicts   of   interest   that  govern  Survival.  The  respective  obligations  of  the  parties
attorneys,   notwithstanding   that   some  or  all  of  the  under   these   Basic   Agreements   shall   survive  the
individuals providing services                                termination of the Retention Agreement.
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</TABLE>

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