Document:

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                                                                   EXHIBIT 10.21

                        SETTLEMENT AGREEMENT AND RELEASE

         This Settlement Agreement and Release ("hereinafter referred to as this
"Settlement and Release") is made this 4th day of October, 2000 by and among
CORPAS INVESTMENTS, INC. ("CORPAS"), on the one hand, and D.R.F.W. Group, Inc.
("DRFW"), South Shore Investments Ltd., Inc. ("SOUTH SHORE") and John Thristino,
individually and as President of each of DRFW and South Shore ("THRISTINO"), on
the other hand (each of DRFW, South Shore and Thristino being hereinafter
sometimes collectively referred to as the "FINANCIAL ADVISORS").

         WHEREAS, an agreement was entered into by and between Corpas and DRFW
dated as of February 28, 2000, covering financial advisory consulting services
to be rendered by DRFW to Corpas (the "DRFW AGREEMENT"); and

         WHEREAS, an agreement was entered into by and between Corpas and South
Shore covering financial advisory consulting services to be rendered by South
Shore to Corpas (the "SOUTH SHORE AGREEMENT"); and

         WHEREAS, Corpas and the Financial Advisors desire to terminate the DRFW
Agreement and the South Shore Agreement and release each other from and fully
settle potential claims, demands and disputes in controversy, now or in the
future, arising out of, connected with or incidental to the DRFW Agreement or
the South Shore Agreement and/or the business relationship or dealings by and
among Corpas and any of the Financial Advisors in regard thereto, except for
potential claims, demands or disputes in controversy brought by any investor in
Corpas securities where such claim, demand or dispute in controversy results
from any misrepresentation made by Corpas or the Financial Advisors; and

         WHEREAS, Corpas and the Financial Advisors entered into a letter
agreement dated as of September 14, 2000, as supplemented by a subsequent letter
agreement dated and executed as of September 21, 2000 (the "LETTER AGREEMENTS"),
outlining the basis for, and terms of, the settlement reached between Corpas and
the Financial Advisors as to each of the DRFW and South Shore Agreements; and

         WHEREAS, Corpas and the Financial Advisors desire to enter into this
Settlement and Release reflecting the parties' intention to settle disputes as
to: (a) cash payments which may be claimed to be due to DRFW under the terms of
the DRFW Agreement; and (b) any and all obligations, including the issuance of
the South Shore Warrants (defined below), which may be claimed to be due to
South Shore under the terms of the South Shore Agreement;

         NOW, THEREFORE, in consideration of the mutual promises and covenants
hereinafter contained, Corpas and the Financial Advisors agree as follows.

         1.       Corpas represents that a warrant agreement to be issued
pursuant to the DRFW Agreement for the purchase of an aggregate of five hundred
thousand (500,000) shares of Corpas' common stock (the "WARRANT") has been duly
issued, and that the Warrant may be exercised in whole or in part, at any time,
and from time to time, during the designated time frame and in accordance with
all of the terms and conditions of the Warrant. DRFW represents that it has
received the Warrant.

         2.       Upon payment in full by Corpas of the Settlement Amount
(defined below), the DRFW Agreement and the South Shore Agreement (and any
obligations of Corpas to issue a warrant under the South Shore Agreement) shall
each terminate and be of no further force and effect; provided, however, that
such termination shall in no way be applicable to the Warrant and the terms and
conditions of the Warrant shall survive termination of the DRFW Agreement for
the designated period set forth in the Warrant for its exercise.

         3.       Corpas and the Financial Advisors agree that in full and
complete satisfaction of any and all disputes as to: (a) cash payments which may
be claimed to be due to DRFW under the terms of the DRFW Agreement; and (b)
obligations (including, without limitation, the issuance of certain warrants
(the "SOUTH SHORE WARRANTS")) which may be claimed to be due to South Shore
under the terms of the South Shore Agreement, Corpas shall pay to DRFW, or its
designee, the sum of One Hundred Six Thousand Six Hundred ($106,600) Dollars
(the "SETTLEMENT AMOUNT").

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         4.       Corpas and the Financial Advisors agree that the Settlement
Amount shall be paid in two equal installments of Fifty-Three Thousand Three
Hundred ($53,300) Dollars, as follows:

                  (a)      The first installment payment in the amount of
         Fifty-Three Thousand Three Hundred ($53,300) Dollars (the "INITIAL
         PAYMENT") shall be paid upon Corpas' receipt of an original copy of
         this Settlement and Release executed by the Financial Advisors;

                  (b)      The second installment payment in the amount of
         Fifty-Three Thousand Three Hundred ($53,300) Dollars shall be paid
         within thirty (30) days following Corpas' issuance of the Initial
         Payment; and

                  (c)      Pursuant to instructions received from the Financial
         Advisors, payment of the Settlement Amount shall be made by Corpas for
         credit to the account of South Shore Investments Ltd., Inc., pursuant
         to the following wire instructions:

                           First Union National Bank
                           Jacksonville, Florida 32231
                           ABA# 063000021
                           For credit to: South Shore Investments Ltd.
                           Account # 2000008245386

         5.       As additional consideration for Corpas' payment in full of the
Settlement Amount, each of DRFW, South Shore and Thristino shall forever
release, acquit and forever discharge Corpas, its representatives, agents,
employees, officers, shareholders, directors, heirs, successors, assigns,
executors, administrators and all other persons, firms, corporations,
associations, partnerships, subsidiaries and/or affiliated or related companies
who might in any way be claimed to be legally responsible, directly or
indirectly, from any and all claims, demands and causes of action or acts, known
or unknown, foreseeable or unforeseeable, which have arisen prior to and
including the date of execution of this Settlement and Release which in any way,
directly or indirectly, arise out of or are connected with or incidental to the
DRFW Agreement, the South Shore Agreement and/or the business relationship
and/or dealings of Corpas and the Financial Advisors relating thereto including,
without limitation on the generality of the foregoing, any and all claims,
demands and causes of action which could have been asserted by the Financial
Advisors in an action at law.

         6.       In addition, Corpas shall forever release, acquit and forever
discharge each of DRFW, South Shore and Thristino and each of their respective
representatives, agents, employees, officers, shareholders, directors, heirs,
successors, assigns, executors, administrators and all other persons, firms,
corporations, associations, partnerships, subsidiaries and/or affiliated or
related companies who might in any way be claimed to be legally responsible,
directly or indirectly, from any and all claims, demands and causes of action or
acts, known or unknown, foreseeable or unforeseeable, which have arisen prior to
and including the date of execution of this Settlement and Release which in any
way, directly or indirectly, arise out of or are connected with or incidental to
the DRFW Agreement, the South Shore Agreement and/or the business relationship
and/or dealings of Corpas and the Financial Advisors relating thereto including,
without limitation on the generality of the foregoing, any and all claims,
demands and causes of action which could have been asserted by Corpas in an
action at law.

         7.       Each of the parties hereto understands, represents and
warrants that this Settlement and Release is a final compromise of disputed
claims and that this Settlement and Release affects the settlement of claims
that are denied and contested and nothing contained herein shall be construed as
an admission by any party hereto of any liability of any kind whatsoever to any
other party. Each of the parties hereto denies any and all liability in
connection with any and all claims and causes of action that could have been
asserted in an action at law pertaining to the subject matter of this Settlement
and Release and further intend hereby solely to avoid litigation and buy their
peace. The terms of this Settlement and Release are contractual and not merely
recitals and neither this instrument, the compromise and settlement agreed to as
evidenced hereby or any evidence relating thereto, will be admissible as
evidence against the parties here released in any suit, claim or proceeding of
any nature; however, this Settlement and Release is and may be asserted by the
parties hereby released as an absolute and final bar to any claim or proceeding
now pending or hereafter prosecuted, except as provided herein.

         8.       In entering into this Settlement and Release, no party has
relied upon any statements or representations made by the other parties to this
Settlement and Release, or by any representative or attorney

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thereof, other than as expressly represented in this Settlement and Release.
Each party represents that it has had the opportunity to consult with counsel
regarding the meaning and effect of this Settlement and Release. The parties
hereto agree that this Settlement and Release was jointly negotiated and drafted
by the parties hereto and should not be construed by a court of law against any
party as the drafter thereof.

         9.       This Settlement and Release represents the entire agreement
between the parties hereto with respect to the subject matter hereof and
supersedes all prior and contemporaneous oral and written agreements and
discussions. This Settlement and Release may be amended only by an agreement in
writing.

         10.      This agreement including, without limitation, the release as
set forth herein, is binding upon and shall inure to the benefit of the parties
hereto, their respective representatives, agents, employees, officers,
shareholders, directors, heirs, successors, assigns, executors, administrators
and all other persons, firms, corporations, associations, partnerships,
subsidiaries and/or affiliated or related companies.

         11.      Thristino expressly warrants and represents that he has full
authority to enter into this Settlement and Release on behalf of each of DRFW
and South Shore, and to bind each of DRFW and South Shore to all of the terms of
this Settlement and Release including, without limitation, the express
instructions of the Financial Advisors that payment of the Settlement Amount in
full consideration of any and all claims which the Financial Advisors may have
against Corpas arising out of the DRFW Agreement and/or the South Shore
Agreement, be paid by Corpas for credit to the account of South Shore.

         12.      Corpas expressly warrants and represents that it is a validly
existing corporation with all requisite corporate power and authority to enter
into and perform its obligations under this Settlement and Release, and the
execution, delivery and performance of this Settlement and Release have been
duly authorized by all necessary corporate action on the part of Corpas.

         13.      The parties hereto agree that in the event a dispute arises
regarding the performance or satisfaction of any of the rights or obligations
created by the terms of this Settlement and Release, the party or parties
prevailing in such litigation shall be entitled to recover from the losing party
or parties reasonable attorneys' fees and costs expended both in the trial and
appellate courts. In addition, this Settlement and Release shall be construed in
accordance with the laws of the State of Florida, both substantive and remedial.
The parties hereto agree that the venue of any litigation to enforce the
provisions of this Settlement and Release shall be in the appropriate court in
and for Palm Beach County, Florida.

         14.      No waiver of any provisions of this Settlement and Release
shall be valid unless in writing and signed by all parties hereto. This
Settlement and Release contains the entire agreement of the parties hereto, and
no representations, warranties, inducements, promises or agreements, oral or
written, between the parties not embodied herein shall be of any force or
effect.

         15.      This Settlement and Release, consisting of five (5) pages, is
made and entered into and effective as of the date first written above.

CORPAS INVESTMENTS, INC.                     D.R.F.W. GROUP, INC.

By  /s/ Molly A. Miles                       By /s/ John Thristino
  --------------------------------             ---------------------------------
        Molly A. Miles, CEO                         John Thristino, President

                                             SOUTH SHORE INVESTMENTS LTD. INC.

                                             By /s/ John Thristino
                                                 -------------------------------
                                                    John Thristino, President

                                                /s/ John Thristino
                                                 -------------------------------
                                                    John Thristino, Individually<PAGE>   1

                                                                   EXHIBIT 10.22

                          BUSINESS CONSULTING AGREEMENT

         This Agreement (the "Agreement") is dated October 9, 2000 and is
entered into by and between CORPAS INVESTMENTS, INC. (hereinafter "CPIM" or
"CLIENT") and WINDSOR PARTNERS, INC. (hereinafter "WPI").

1.       Conditions. This Agreement will not take effect, and WPI will have no
         obligation to provide any service whatsoever, unless and until CLIENT
         returns a signed copy of this Agreement to WPI (either by mail or
         facsimile copy). In addition, CLIENT shall be truthful with WPI in
         regard to any relevant or material information provided by CLIENT,
         verbally or otherwise which refers, relates, or otherwise pertains to
         the CLIENT's business, this Agreement or any other relevant
         transaction. Breach of either of these conditions shall be considered a
         material breach and will automatically grant WPI the right to terminate
         this Agreement and all moneys, and other forms of compensation, paid or
         owing as of the date of termination by WPI shall be forfeited without
         further notice.

         Upon execution of this Agreement, CLIENT agrees to fully cooperate
         with WPI in carrying out the purposes of this Agreement, keep WPI
         informed of any developments of importance pertaining to CLIENT's
         business and abide by this Agreement in its entirety.

         2.       Scope and Duties. During the term of this Agreement, WPI will
         perform the following services for CLIENT:

         2.1      Advice and Counsel. WPI will provide advice and counsel
         regarding CLIENT's strategic business plans, strategy and negotiations
         with potential business strategic partnering, corporate planning and or
         other general business consulting needs as expressed by CLIENT.

         2.2      Mergers and Acquisitions. WPI will provide assistance to
         CLIENT, as mutually agreed, in identifying merger and/or acquisition
         candidates, assisting in any due diligence process, recommending
         transaction terms and providing advice and assistance during
         negotiations, as needed.

         2.3      CLIENT and/or CLIENT's Affiliate Transaction Due Diligence.
         WPI will participate and assist CLIENT in the due diligence process,
         where possible, on all proposed financial transactions affecting CLIENT
         of which WPI is notified in writing in advance, including conducting
         investigation of and providing advice on the financial, valuation and
         stock price implications of the proposed transaction(s).

         2.4      Ancillary Document Services. If necessary, WPI will assist and
         cooperate with CLIENT in the development, editing and production of
         such documents as are reasonably necessary to assist in any transaction
         covered by this Agreement. However, this Agreement will not include the
         preparation or procuring of legal documents or those documents normally
         prepared by an attorney.

         2.5      Additional Duties. CLIENT and WPI shall mutually agree, in
         writing, for any additional duties that WPI may provide to CLIENT for
         compensation paid or payable by CLIENT under this Agreement. Although
         there is no requirement to do so, such additional agreement(s) may be
         attached hereto and made a part hereof by written amendments to be
         listed as "Exhibits" beginning with "Exhibit A" and initialed by both
         parties.

         2.6      Standard of Performance. WPI shall devote such time and
         efforts to the affairs of the CLIENT as is reasonably necessary to
         render the services contemplated by this Agreement. Any work or task of
         WPI provided for herein which requires CLIENT to provide certain
         information to assist WPI in completion of the work shall be excused
         (without effect upon any obligation of CLIENT) until such time as
         CLIENT has fully provided all information and cooperation necessary for
         WPI to complete the work. The services of WPI shall not include the
         rendering of any legal opinions or the performance of any work that is
         in the ordinary purview of a certified public accountant, or other
         licensed professional. WPI cannot guarantee results on behalf of
         CLIENT, but shall use commercially reasonable efforts in providing the
         services listed above. If an interest is communicated to WPI regarding
         satisfying all or part of CLIENT's business and corporate strategic
         planning needs, WPI shall notify CLIENT and advise it as to the source
         of such interest and any terms and conditions of such interest.

         2.7      Non-Guarantee. WPI MAKES NO GUARANTEE THAT WPI WILL BE ABLE TO
         SUCCESSFULLY LOCATE A MERGER OR ACQUISITION TARGET AND IN TURN
         CONSUMMATE A MERGER OR ACQUISITION TRANSACTION FOR CLIENT, OR TO
         SUCCESSFULLY COMPLETE

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         SUCH A TRANSACTION WITHIN CLIENT'S DESIRED TIME FRAME. NEITHER ANYTHING
         IN THIS AGREEMENT TO THE CONTRARY NOR THE PAYMENT OF DEPOSITS TO WPI BY
         CLIENT PURSUANT TO FEE AGREEMENTS FOR SERVICES NOT CONTEMPLATED HEREIN
         SHALL BE CONSTRUED AS ANY SUCH GUARANTEE. ANY COMMENTS MADE REGARDING
         POTENTIAL TIME FRAMES OR ANYTHING THAT PERTAINS TO THE OUTCOME OF
         CLIENT'S NEEDS ARE EXPRESSIONS OF OPINION ONLY, AND FOR PURPOSES OF
         THIS AGREEMENT ARE SPECIFICALLY DISAVOWED.

3.       Compensation to WPI.

         3.1      CLIENT will pay for services described herein. The fees shown
         below (which summarize those outlined in 3.2, and 3.3 below) shall be
         payable as follows:

         INITIAL PAYMENT DUE UPON ACCEPTANCE OF THIS AGREEMENT:

         32,500 RESTRICTED SHARES OF COMMON STOCK OF CPIM, SUBJECT TO THE
         CLIENT'S OBLIGATION TO REGISTER THE SHARES PURSUANT TO FORM S-8 OF THE
         SECURITIES EXCHANGE ACT OF 1934;

         NOTE: WPI SHALL HAVE NO OBLIGATION TO PERFORM ANY DUTIES PROVIDED FOR
         HEREIN IF PAYMENT [CASH AND/OR STOCK] IS NOT RECEIVED BY WPI WITHIN 7
         DAYS OF MUTUAL EXECUTION OF THIS AGREEMENT BY THE PARTIES. IN ADDITION,
         WPI'S OBLIGATIONS UNDER THIS AGREEMENT SHALL BE SUSPENDED IF ANY
         PAYMENT OWING HEREUNDER IS MORE THAN FIFTEEN (15) DAYS DELINQUENT.
         FURTHERMORE, THE RECEIPT OF ANY FEES DUE TO WPI UPON EXECUTION OF THIS
         AGREEMENT ARE NOT CONTINGENT UPON ANY PRIOR PERFORMANCE OF ANY DUTIES
         WHATSOEVER DESCRIBED WITHIN THIS AGREEMENT.

         3.2      Fees for Merger/Acquisition. In the event that WPI, assists
         CLIENT and/or introduces CLIENT (or a CLIENT affiliate) to any third
         party, merger partner(s) or joint venture(s) who then enters into a
         merger, joint venture or similar agreement with CLIENT or CLIENT's
         affiliate, CLIENT hereby agrees to pay WPI advisory fees pursuant to
         the following schedule which are based on the aggregate amount of such
         merger, joint venture or similar agreement with CLIENT or CLIENT's
         affiliate. Advisory fees are deemed earned and shall be due and payable
         at the first close of the transaction, however, in certain
         circumstances when payment of advisory fees at closing is not possible,
         within 24 hours after CLIENT has received the proceeds of such
         investment. This provision shall survive this Agreement for a period of
         one year after termination or expiration of this Agreement. In other
         words, the advisory fee shall be deemed earned and due and payable for
         any funding, underwriting, merger, joint venture or similar transaction
         which first closes within a year of the termination or expiration of
         this Agreement as a result of an introduction as set forth above.

         Merger/Acquisition. For a merger/acquisition entered into by CLIENT as
         a result of the efforts of, or an introduction by WPI during the term
         of this Agreement, Client shall pay WPI, five (5) percent of the total
         value of the transaction. Such percentage shall be paid to WPI in the
         same ratio of cash and/or stock as the transaction.

         3.3      Expenses. CLIENT shall reimburse WPI for reasonable expenses
         incurred in performing its duties pursuant to this Agreement (including
         printing, postage, express mail, photo reproduction, travel, lodging,
         and long distance telephone and facsimile charges); provided, however,
         that WPI must receive prior written approval from CLIENT for any
         expenses over $250. Such reimbursement shall be payable within 7 seven
         days after CLIENT's receipt of WPI invoice for same.

         3.4      Additional Fees. CLIENT and WPI shall mutually agree upon any
         additional fees that CLIENT may pay in the future for services rendered
         by WPI under this Agreement. Such additional agreement(s) may, although
         there is no requirement to do so, be attached hereto and made a part
         hereof as Exhibits beginning with Exhibit A.

4.       Indemnification. The CLIENT agrees to indemnify and hold harmless WPI,
         each of its officers, directors, employees and shareholders against any
         and all liability, loss and costs, expenses or damages, including but
         not limited to, any and all expenses whatsoever reasonably incurred in
         investigating, preparing or defending against any litigation, commenced
         or threatened, or any claim whatsoever or howsoever caused by reason of
         any injury (whether to body, property, personal or business character
         or reputation) sustained by any person or to any person or property,
         arising out of any act, failure to act, neglect, any untrue or alleged
         untrue statement of a material fact or failure to state a material fact
         which thereby makes a

<PAGE>   3

         statement false or misleading, or any breach of any material
         representation, warranty or covenant by CLIENT or any of its agents,
         employees, or other representatives. Nothing herein is intended to nor
         shall it relieve either party from liability for its own willful act,
         omission or negligence. All remedies provided by law, or in equity
         shall be cumulative and not in the alternative.

5.       Confidentiality.

         5.1      WPI and CLIENT each agree to keep confidential and provide
         reasonable security measures to keep confidential information where
         release may be detrimental to their respective business interests. WPI
         and CLIENT shall each require their employees, agents, affiliates,
         other licensees, and others who will have access to the information
         through WPI and CLIENT respectively, to first enter appropriate
         non-disclosure Agreements requiring the confidentiality contemplated by
         this Agreement in perpetuity.

         5.2      WPI will not, either during its engagement by the CLIENT
         pursuant to this Agreement or at any time thereafter, disclose, use or
         make known for its or another's benefit any confidential information,
         knowledge, or data of the CLIENT or any of its affiliates in any way
         acquired or used by WPI during its engagement by the CLIENT.
         Confidential information, knowledge or data of the CLIENT and its
         affiliates shall not include any information that is, or becomes
         generally available to the public other than as a result of a
         disclosure by WPI or its representatives.

6.       Miscellaneous Provisions.

         6.1      Amendment and Modification. This Agreement may be amended,
         modified and supplemented only by written agreement of WPI and CLIENT.

         6.2      Assignment. 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. The obligations
         of either party hereunder cannot be assigned without the express
         written consent of the other party.

         6.3      Governing Law; Venue. This Agreement and the legal relations
         among the parties hereto shall be governed by and construed in
         accordance with the laws of the State of California, without regard to
         its conflict of law doctrine. CLIENT and WPI agree that if any action
         is instituted to enforce or interpret any provision of this Agreement,
         the jurisdiction and venue shall be Orange County, California.

         6.4      Attorneys' Fees and Costs. If any action is necessary to
         enforce and collect upon the terms of this Agreement, the prevailing
         party shall be entitled to reasonable attorneys' fees and costs, in
         addition to any other relief to which that party may be entitled. This
         provision shall be construed as applicable to the entire Agreement.

         6.5      Survivability. If any part of this Agreement is found, or
         deemed by a court of competent jurisdiction, to be invalid or
         unenforceable, that part shall be severable from the remainder of the
         Agreement.

7.       Arbitration. ALL DISPUTES, CONTROVERSIES, OR DIFFERENCES BETWEEN
         CLIENT, WPI OR ANY OF THEIR OFFICERS, DIRECTORS, LEGAL REPRESENTATIVES,
         ATTORNEYS, ACCOUNTANTS, AGENTS OR EMPLOYEES, OR ANY CUSTOMER OR OTHER
         PERSON OR ENTITY, ARISING OUT OF, IN CONNECTION WITH OR AS A RESULT OF
         THIS AGREEMENT, SHALL BE RESOLVED THROUGH ARBITRATION RATHER THAN
         THROUGH LITIGATION. WITH RESPECT TO THE ARBITRATION OF ANY DISPUTE, THE
         UNDERSIGNED HEREBY ACKNOWLEDGE AND AGREE THAT:

         A.       ARBITRATION IS FINAL AND BINDING ON THE PARTIES;

         B.       THE PARTIES ARE WAIVING THEIR RIGHT TO SEEK REMEDY IN COURT,
         INCLUDING THEIR RIGHT TO JURY TRIAL;

         C.       PRE-ARBITRATION DISCOVERY IS GENERALLY MORE LIMITED AND
         DIFFERENT FROM COURT PROCEEDING;

         D.       THE ARBITRATOR'S AWARD IS NOT REQUIRED TO INCLUDE FACTUAL
         FINDINGS OR LEGAL REASONING AND ANY PARTY'S RIGHT OF APPEAL OR TO SEEK
         MODIFICATION OF RULING BY THE ARBITRATORS IS STRICTLY LIMITED;

         E.       THIS ARBITRATION PROVISION IS SPECIFICALLY INTENDED TO INCLUDE
         ANY AND ALL STATUTORY CLAIMS WHICH MIGHT BE ASSERTED BY ANY PARTY;

         F.       EACH PARTY HEREBY AGREES TO SUBMIT THE DISPUTE FOR RESOLUTION
         TO THE AMERICAN ARBITRATION ASSOCIATION, IN ORANGE COUNTY, CALIFORNIA
         WITHIN FIVE (5) DAYS AFTER RECEIVING A WRITTEN REQUEST TO DO SO FROM
         THE OTHER PARTY;

         G.       IF EITHER PARTY FAILS TO SUBMIT THE DISPUTE TO ARBITRATION ON
         REQUEST, THEN THE REQUESTING PARTY MAY COMMENCE AN ARBITRATION
         PROCEEDING, BUT IS UNDER NO OBLIGATION TO DO SO;

<PAGE>   4

         H.       ANY HEARING SCHEDULED AFTER AN ARBITRATION IS INITIATED SHALL
         TAKE PLACE IN ORANGE COUNTY, CALIFORNIA;

         I.       IF EITHER PARTY SHALL INSTITUTE ANY COURT PROCEEDING IN AN
         EFFORT TO RESIST ARBITRATION AND BE UNSUCCESSFUL IN RESISTING
         ARBITRATION OR SHALL UNSUCCESSFULLY CONTEST THE JURISDICTION OF ANY
         ARBITRATION FORUM LOCATED IN ORANGE COUNTY, CALIFORNIA, OVER ANY MATTER
         WHICH IS THE SUBJECT OF THIS AGREEMENT, THE PREVAILING PARTY SHALL BE
         ENTITLED TO RECOVER FROM THE LOSING PARTY ITS LEGAL FEES AND ANY
         OUT-OF-POCKET EXPENSES INCURRED IN CONNECTION WITH THE DEFENSE OF SUCH
         LEGAL PROCEEDING OR ITS EFFORTS TO ENFORCE ITS RIGHTS TO ARBITRATION AS
         PROVIDED FOR HEREIN;

         J.       THE PARTIES SHALL ACCEPT THE DECISION OF ANY AWARD AS BEING
         FINAL AND CONCLUSIVE AND AGREE TO ABIDE THEREBY;

         K.       ANY DECISION MAY BE FILED WITH ANY COURT AS A BASIS FOR
         JUDGMENT AND EXECUTION FOR COLLECTION.

8.       Term/Termination. This Agreement is an agreement for the term of
         approximately twelve (12) months ending October 8, 2001.

9.       Registration Of Shares. WPI shall have standard piggyback registration
         rights (as described in Section 3.2 herein) of all shares issued in
         accordance with this Agreement, which are not subject to registration
         per Section 3.0 et seq. herein.

10.      Non Circumvention. In and for valuable consideration, CLIENT hereby
         agrees that WPI may introduce (whether by written, oral, data, or other
         form of communication) CLIENT to one or more opportunities, including,
         without limitation, natural persons, corporations, limited liability
         companies, partnerships, unincorporated businesses, sole
         proprietorships and similar entities (hereinafter an "Opportunity" or
         ""Opportunities""). CLIENT further acknowledges and agrees that the
         identity of the subject Opportunities, and all other information
         concerning an Opportunity (including without limitation, all mailing
         information, phone and fax numbers, email addresses and other contact
         information) introduced hereunder are the property of WPI, and shall be
         treated as confidential and proprietary information by CLIENT, it
         affiliates, officers, directors, shareholders, employees, agents,
         representatives, successors and assigns. CLIENT shall not use such
         information, except in the context of any arrangement with WPI in which
         WPI is directly and actively involved, and never without WPI's prior
         written approval. CLIENT further agrees that neither it nor its
         employees, affiliates or assigns, shall enter into, or otherwise
         arrange (either for it/him/herself, or any other person or entity) any
         business relationship, contact any person regarding such Opportunity,
         either directly or indirectly, or any of its affiliates, or accept any
         compensation or advantage in relation to such Opportunity except as
         directly though WPI, without the prior written approval of WPI. WPI is
         relying on CLIENT's assent to these terms and their intent to be bound
         by the terms by evidence of their signature. Without CLIENT's signed
         assent to these terms, WPI would not introduce any Opportunity or
         disclose any confidential information to CLIENT as herein described.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly
executed, all as of the day and year first above written.

CORPAS INVESTMENTS, INC. (CPIM)

Print Name: Molly A. Miles
           -------------------------------
Sign Name: /s/ Molly A. Miles
          --------------------------------
Title:     CEO
      ------------------------------------
Date:             10/11/00
     -------------------------------------
Address:          1640 Fifth Street
        ----------------------------------
                  Santa Monica, CA 90401
        ----------------------------------

WINDSOR PARTNERS, INC. (WPI)

Print Name: Richard H. Walker    Address: 30100 Crown Valley Parkway - Suite 11C
Sign Name: /s/ Richard H. Walker          Laguna Niguel, CA 92677
          -----------------------
Title:    President
Date:             10/11/00
          -----------------------

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