Document:

MUTUAL RELEASE AND SETTLEMENT AGREEMENT

     This  Mutual  Release  and Settlement Agreement  hereinafter

("RELEASE") is made and entered into as of June 12, 2000.

     Greenwood & Hall, a division of PCS Link, Inc.

     National Boston Medical, Inc. (NBM)

     Infotopia, Inc. (IFTP)

     Daniel J. Hoyng. (Hoyng)

     PARTIES shall mean G&H, NBM, IFTP and HOYNG.

     UNDERLYING MATTER taken out.

     This RELEASE is made and entered into by and among G&H, NBM,

IFTP, and HOYNG.

                            RECITALS

The UNDERLYING MATTER is based that Greenwood & Hall contends
    that NBM / Infotopia have breached various contracts. NBM,
    IFTP, and HOYNG have contended that G&H negligently
    performed in the execution of their contract.
     It  is  the desire of the PARTIES to this RELEASE to resolve

any and all differences between them, to settle and terminate any

dispute which now exists between them with regard to any and  all

claims which the PARTIES may have against each other.

     Now,  therefore,  in  consideration of the  mutual  promises

contained  herein, and in order to resolve all  disputes  arising

from the UNDERLYING MATTER, the sale of and for good and valuable

consideration,  receipt of which is hereby  acknowledged,  it  is

agreed as follows:

     1.    Consideration.  In consideration for this RELEASE, the

PARTIES agree as follows:

          1.   IFTP shall pay to G&H the sum of $ 131,500 payable as

               outlined in Exhibit A.  IFTP shall pay approximately $ 50,000 of

               this balance no later than 6 June 2000 via bank wire or cashier's

               check.

2.   Greenwood & Hall shall ship all remaining merchandise to
IFTP' within five (5) days of receiving payment, however,
shipping will not commence until three (3) days after such time
as IFTP provides Greenwood & Hall with a clean database of
customers that should no longer be shipped to due to order
cancellation and/or consumer initiated chargeback. This database
will be based on the joint efforts of all parties. In
consideration of the Greenwood & Hall's decision to settle this
matter for significantly less than contract value and actual
damages Greenwood & Hall incurred, IFTP shall not be entitled to
any service credits and/or refunds for services that no longer
need to be rendered due to order cancellations and/or customer
initiated chargebacks.
               a.   Greenwood & Hall shall ship IFTP  product(s) to customers
               via the least cost shipping method and shall assume no liability
               or responsibility for items that are lost/damaged in transit to
               customers and/or for customer returns.

               b.   A complete list of inventory, customer shipment log and IC
                    Verify will be submitted to NBMX & IFTP.
               c.  Second payment will be made after shipping documents of past
               and present shipment that were made by Greenwood and Hall or any
              other agent that was used for shipping.

          3.   Upon Greenwood & Hall's completion of shipping for IFTP,

               IFTP will at its sole cost pick-up all inventories remaining at

               Greenwood & Hall's location within seven (7) days of such

              completion. In the event IFTP does not retrieve said inventory or

              is unable to due to disputes with Media Funding Corporation; IFTP

              shall pay a storage fee of $ 35.00 per pallet per month starting

              June 1, 2000. This fee shall be charged in one-month increments

              and shall not be prorated. If IFTP fails to prepay these fees

              within fifteen (15) days of receiving an invoice, Greenwood &

              Hall shall have the right to liquidate IFTP inventory at no

              further notice to IFTP

4.   Upon  execution of this document from IFTP, IFTP will
provide notice from it's attorney that all payments will be made
to as per Exhibit A  to Greenwood & Hall and Greenwood & Hall
shall return the two (2) returned checks presented by Daniel
Hoyng to IFTP's attorney. All parties acknowledge that Greenwood
& Hall is releasing the returned checks in good faith and has
decided to do so based solely on the representations of NBM,
IFTP, and HOYNG that IFTP will fulfill its entire payment
obligation to Greenwood & Hall as specified in Exhibit A of this
Agreement.
5.   The PARTIES agree to keep the terms of this RELEASE
confidential and will not comment on the UNDERLYING MATTER,
except where required to do so by subpoena or other proceeding
where testimony is compelled by law.
     2.   Release.  G&H hereby generally and specifically release,

acquit  and  forever discharge, indemnify and hold harmless  NBM,

IFTP,   and   HOYNG  and  their  agents,  servants,   successors,

predecessors,   heirs,   executors,   administrators,    assigns,

subsidiaries,    business   affiliates,   officers,    directors,

shareholders,     employees,     representatives,     guarantors,

accountants,  and  attorneys from any and  all  claims,  demands,

liabilities,  actions, causes of actions, damages,  expenses  and

obligations  whatsoever whether known or  unknown,  suspected  or

claimed,  as well as all issues within and which could have  been

raised in the UNDERLYING MATTER.

     1.    NBM,  IFTP and HOYNG hereby generally and specifically

releases,  acquits,  forever  discharges  indemnifies  and  holds

harmless    G&H   and   their   agents,   servants,   successors,

predecessors,   heirs,   executors,   administrators,    assigns,

subsidiaries,    business   affiliates,   officers,    directors,

shareholders,     employees,     representatives,     guarantors,

accountants,  and  attorneys, from any and all  claims,  demands,

liabilities,  actions,  causes of action, damages,  expenses  and

obligations  whatsoever, whether known or unknown,  suspected  or

claimed,  including all issues as described and  alleged  in  the

UNDERLYING  MATTER, as well as all issues within and which  could

have been raised in the UNDERLYING MATTER.

     3.    Waiver.  This agreement is a full, mutual and  general

release and constitutes a full and final accord and satisfaction,

extending to all claims of any nature that may exist between  the

PARTIES  whether  known or unknown, suspected or  anticipated  by

them  to  exist  in  their favor and regardless  of  whether  any

unknown,  unsuspected  or unanticipated  claim  would  materially

affect settlement and compromise of each of the matters mentioned

herein.    The   PARTIES  to  this  RELEASE   hereby   expressly,

voluntarily and knowingly waive, relinquish and abandon each  and

every  right,  protection and benefit  to  which  they  would  be

entitled now or at any time hereafter under Section 1542  of  the

Civil Code of California, which provides as follows:

          "A  general release does not extend to claims
          which  the creditor does not know or  suspect
          to   exist  in  his  favor  at  the  time  of
          executing the release, which if known by  him
          must  have materially affected his settlement
          with the debtor."

     4.    Final  Settlement.  In making this  voluntary  express

waiver  of  the protection of Section 1542 of the Civil  Code  of

California, the PARTIES to this RELEASE acknowledge that they may

discover  claims or facts in addition to or different from  those

which  they know or believe to exist with respect to the  matters

mentioned  herein.   It is their intention to fully  and  forever

settle  and  release  any  and all of such  matters,  claims  and

disputes,  whether  known or unknown, suspected  or  unsuspected,

anticipated or unanticipated, incident to such intention  between

the  PARTIES.   This  RELEASE is and  shall  remain  a  full  and

complete   general  release  notwithstanding  the  discovery   or

existence of any such additional or different claims or facts.

     5.    No Assignment.  The PARTIES represent and warrant that

they  have  not heretofore collectively or individually assigned,

transferred,  or  hypothecated or purported to have  assigned  or

transferred  or  hypothecated  or  will  in  the  future  assign,

transfer  or  hypothecate to anyone any  debt,  judgment,  claim,

liability,  demand,  action, cause of  action,  or  any  interest

therein,  based  upon  or  arising out of  or  pertaining  to  or

concerning   or   connected  with  any   matter,   fact,   event,

circumstance, or thing released herein.

     6.    No  Admissions.   Each  party acknowledges  that  this

RELEASE effects the settlement of claims which are denied by  the

PARTIES to the action and that nothing contained herein shall  be

construed as an admission of liability by or on behalf of  either

party  by  whom  liability  is expressly  denied.   Neither  this

RELEASE  nor  any  of  its  terms  shall  be  admissible  in  any

proceeding  between  the  PARTIES except  in  any  proceeding  to

interpret or enforce its terms.

     7.    Authorization.  To further the interest of the PARTIES

in  this  RELEASE, each party warrants that it has the  power  to

settle  and  release fully and completely all  claims  causes  of

action, demands, charges, and liabilities against the other party

to  this RELEASE.  Each signatory signing this RELEASE on  behalf

of  a  party  warrants  that he or she  is  duly  authorized  and

empowered to sign this RELEASE on that party's behalf.

     8.    No Inducement.  The PARTIES declare and represent that

no  promises, inducements, or agreements not expressly  contained

herein were made, that this RELEASE contains the entire agreement

between  the  PARTIES, and that the terms  of  this  RELEASE  are

contractual and not recitals only.

     9.   Binding Effect.  The provisions of this RELEASE will be

binding  upon  and inure to the benefit of the heirs,  executors,

administrators,    personal   representatives,   predecessors-in-

interest,  successors-in-interest and assigns of  the  respective

PARTIES hereto.  The PARTIES, on the other hand, agree to forever

refrain  and forebear from commencing, instituting or prosecuting

any  such  arbitration,  action or other proceeding  against  one

another  based  on,  arising out of, or in  connection  with  any

claim, debt, liability, demand, obligation, cost, expense, action

or  cause of action that is released and discharged by reason  of

this RELEASE.

     10.        Further Documents.  The PARTIES agree to sign all

papers  and  to execute and deliver such additional documents  as

are required to effectuate each of the terms of this RELEASE.

     11.         Representation.   The  PARTIES   represent   and

acknowledge that they have conferred with and are represented  by

counsel  of their own selection with respect to this RELEASE  and

all matters covered by it.  Each party represents that he, she or

it was fully advised by counsel with respect to all rights, which

are affected by this RELEASE.

     12.        No  Modification.  This document sets  forth  the

entire  agreement  between the PARTIES and may  not  be  altered,

amended  or  modified  in  any respect  except  by  writing  duly

executed  by the party to be charged.  All earlier understandings

and  oral  agreements  are expressly superseded  and  are  of  no

further force and effect.

     13.        Attorney's  Fees.  Each PARTY  shall  bear  their

attorney's fees and costs with respect to the UNDERLYING MATTER.

     14.         Headings.    Headings  are   used   herein   for

convenience  only  and  shall have no  force  or  effect  in  the

interpretation or construction of this RELEASE.  As used in  this

Agreement,  the  singular  shall  include  the  plural,  and  the

masculine shall include the feminine and neuter gender.

     15.        California  Law.   The  laws  of  the  State   of

California  shall  govern this RELEASE.  In the  event  that  any

provision  of this RELEASE is held to be ineffective or  invalid,

the  remaining provisions will nevertheless be given  full  force

and effect.

     16.        Construction.   This RELEASE shall  be  construed

without  regard  to who drafted same, and shall be  construed  as

though all PARTIES hereto participated equally in the drafting of

the  RELEASE.  The PARTIES further agree that any dispute arising

from  interpretation of this agreement is to be mediated by Judge

William  Dodds.   Judge Dodds shall also have the  discretion  to

shift the costs and fees associated with mediating the dispute to

the losing party.

     17.       Counterparts.  For the convenience of the PARTIES,

this  document, consisting of eight (9) pages, including  Exhibit

A,   may  be  executed  in  counterparts,  which  shall  together

constitute  the  agreement of the PARTIES as  one  and  the  same

document

18.        Specific Enforcement.  This Settlement Agreement shall

be specifically enforceable.

     WE  HAVE  EXECUTED THIS AGREEMENT AND RELEASE  ON  THE  DATE

BELOW WRITTEN, EFFECTIVE UPON EXECUTION BY ALL PARTIES.

Dated:                                June        12,        2000
_____________________________________
                              for GREENWOOD & HALL, a division of
                              PCS Link, Inc.

Dated:                        June 12, 2000  /s/ Barry McFarland
                              Barry McFarland
                              for NATIONAL BOSTON MEDICAL, INC.

Dated:                        June 12, 2000  /s/ Daniel J. Hoyng
                              Daniel J. Hoyng
                              for INFOTOPIA, INC.

Dated:                        June 12, 2000  /s/ Daniel J. Hoyng
                              Daniel J. Hoyng
                              For Daniel J. Hoyng

APPROVED AS TO FORM AND CONTENT

/s/ Howard Mark Becker
Howard Mark Becker, Esq.
Attorney for Greenwood & Hall

___________________________________
Attorney for IFTP, NBM, HOYNGSETTLEMENT AGREEMENT AND FULL AND FINAL RELEASE

     THIS   SETTLEMENT  AGREEMENT  AND  FULL  AND  FINAL  RELEASE

("Agreement"), is made and entered into this         day of July,

2000  by  and  among  DAVID M. VITKO and D.V. BACKPRODUCTS,  INC.

("hereinafter collectively referred to as "Plaintiffs"),  on  the

one hand, and INFOTOPIA (f/k/a FLEX MARKETING, INC.), a successor

by  assignment of certain assets of NATIONAL BOSTON MEDICAL, INC.

(hereinafter referred to as "Defendant"), on the other hand.

     WHEREAS,  various  disputes  arose  between  Plaintiffs  and

Defendant;  and       WHEREAS,  Plaintiffs  commenced  a  lawsuit

against  National  Boston  Medical, Inc.  in  the  United  States

District Court for the Northern District of Ohio, entitled  David

M.  Vitko, et al. v. National Boston Medical, Inc., Case No. 4:99

CV 2269 (the "Lawsuit"); and

     WHEREAS,   the  aforementioned  parties  have   reached   an

agreement  to  settle their disputes and desire  to  reduce  said

agreement to writing.

     NOW,  THEREFORE,  in  consideration of the  mutual  promises

contained  herein,  and  for the good and valuable  consideration

recited  herein, the receipt and sufficiency of which  is  hereby

acknowledged, it is agreed as follows:

     1.    Defendant  shall  pay to Backstroke,  Ltd.  the  total

amount  of  $368,434.14  in  settlement  of  this  action.    The

settlement  amount  shall  be  received,  via  certified  checks,

according to the following payment schedule:

          a.   Fifty  Thousand Dollars ($50,000.00) on or  before
               July 21, 2000;

          b.   One  Hundred Thousand Dollars ($100,000.00) on  or
               before August 25, 2000;

          c.   One  Hundred Thousand Dollars ($100,000.00) on  or
               before September 22, 2000; and
          d.   One  Hundred Eighteen Thousand Four Hundred Thirty
               Four  Dollars and Fourteen Cents ($118,434.14)  on
               or before October 20, 2000.

     2.    Defendant  shall pay to Backstroke, Ltd. royalties  of

three  and one-half percent (3.5%) of the sales price derived  by

Defendant  (or  its assignee or successor) on all  sales  of  the

Backstroke,  (Patent # 5,352,188) made after  October  20,  2000.

Such royalties shall be net of returns and shall be payable,  via

certified  checks,  no  later  than the  forty-fifth  (45th)  day

following  the  end  of the calendar year quarter  in  which  the

royalties are earned.

     3.    It  is  understood and agreed that, as a condition  of

settlement,  the parties shall execute the Consent  Judgment  and

Dismissal  Entry  attached hereto as Exhibit A.   It  is  further

understood that so long as the payments referred to in Paragraph1

above  are  timely  made,  Plaintiffs will  not  execute  on  the

Judgment; however, if any single payment is not paid timely,  the

sum  of  $368,434.14 less any payments made by Defendant will  be

accelerated,  and Plaintiffs can then effect immediate  execution

upon the unpaid balance.  It is further understood that following

full  payment  of the sum of $368,434.14, Plaintiffs  shall  file

with  the  United States District Court for the Northern District

of  Ohio,  Eastern  Division  in the Lawsuit  a  Satisfaction  of

Judgment.

     4.    Plaintiffs  agree to forego asserting their  ownership

rights and interest in and to Patent No. 5,352,188.

     5.    Plaintiffs,  on  the one hand, and Defendant,  on  the

other  hand,  hereby  mutually release each  other,  their  past,

present   and   future  agents,  representatives,   shareholders,

principals,    attorneys,   affiliates,   parent    corporations,

subsidiaries, managers, members, officers, directors,  employees,

predecessors  and  successors and heirs, executors  and  assigns,

from  the  claims embodied in the Lawsuit and from  any  and  all

legal,  equitable or other claims, counterclaims,  demands,  set-

offs,  defenses,  contracts, contract  claims,  accounts,  suits,

debts,  agreements,  actions, causes of action,  sums  of  money,

reckoning,  bonds,  bills,  specialities,  covenants,   promises,

variances, trespasses, damages, executions, judgments,  findings,

controversies  and disputes, and all duties, responsibilities  or

obligations, from the beginning of the world to the date  hereof,

which  are  now known or are unknown and which arise out  of,  or

which may, can, or shall arise out of, or which have or ever have

arisen  out of, or which could have arisen out of, the  marketing

and  sales  of  the Backstroke and the business relationship  and

contractual obligations between and among the parties, including,

without  limitation,  any  and all claims  or  counterclaims  for

breach  of  contract,  tortious interference  with  business  and

contractual  relations,  conversion, breach  of  fiduciary  duty,

breach  of  duty of loyalty, unfair competition, defamation,  and

any  other claims, counterclaims and/or third-party claims, which

have  been, or could have been, asserted by any party  hereto  in

any  court,  arbitration, or other forum  involving  the  subject

matter of the Lawsuit.

          Notwithstanding  the foregoing, this Release  does  not

apply to breaches of the terms and conditions of Paragraphs 1 and

2 above.

     6.    Plaintiffs  agree  to take those  steps  necessary  to

dismiss  the  Lawsuit  with prejudice within  ten  business  days

following  the  completion execution of this  Agreement  and  the

Consent Judgment Entry attached as Exhibit A.

     7.   Plaintiffs and Defendant agree that all aspects of this

Agreement  have  been  thoroughly  discussed  with  the  parties'

attorneys,  and  that the parties have carefully read  and  fully

understand all of the provisions of this Agreement, and that  the

parties are voluntarily entering into this Agreement.

     8.    This  Agreement  shall be governed by,  construed  and

interpreted  in  accordance with the laws of the State  of  Ohio,

without  reference to the conflicts and/or choice  of  law  rules

otherwise applicable.

     9.   This Agreement may be executed in counterparts, each of

which shall be an original and all of which shall constitute  one

and the same instrument.

     10.  Plaintiffs and Defendant represent and warrant that the

execution of this Agreement has been duly authorized and that the

persons  signing this Agreement have the legal authority to  take

such action.

     11.  If, at any time, any part of this Agreement is found or

held to be invalid, then such finding or holding shall not affect

the validity of the remainder hereof.

     12.   Plaintiffs  and  Defendant agree that  this  Agreement

contains  the entire agreement between the parties and supersedes

any  and all prior agreements, arrangements and/or understandings

between  them  relating to the subject matter  hereof.   No  oral

understanding,  statements, promises or inducements  contrary  to

the  terms  of  this Agreement exist.  This Agreement  cannot  be

changed, modified, abrogated or terminated orally.

     13.   This Agreement shall be binding upon and inure to  the

benefit  of the respective successors, representatives,  assigns,

and predecessors of the undersigned parties.

     14.    Each  party  has  cooperated  in  the  drafting   and

preparation of this Agreement.  Hence, in any construction to  be

made  of  this Agreement, the same will not be construed  against

any party on the grounds that the party was the drafter.

           IN  WITNESS WHEREOF, the parties hereto have  executed

and delivered this Agreement this             day of July, 2000.

DAVID M. VITKO, an individual INFOTOPIA (f/k/a FLEX MARKETING,
INC.), a
                              successor by assignment of certain
assets of
                              NATIONAL BOSTON MEDICAL, INC.

/s/ David M. Vitko            By: /s/ Daniel Hoyng

Date:                                                  Its:

                              Date:

D.V. BACKPRODUCTS, INC.

By:

Its:

Date:

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