Document:

EXHIBIT 10.13
                                 Promissory Note

December 29, 2004
Los Angeles, California
$50,000 (Fifty Thousand Dollars)

     1.   60 Business after the date of this Note, UC HUB, a publicly traded
          company under the ticker symbol UCHB, the undersigned Maker, promises
          to pay to the order of Bonnie K. Farnsworth, an accredited investor
          located at (460 Orchard Drive, Naples Florida 34102) the sum of
          $50,000 plus interest at prime plus one prorated monthly. UC HUB shall
          in addition to paying back the loan in full with interest, issue to
          Bonnie K. Farnsworth 15,000 shares of R144 stock for doing this timely
          transaction a no cost whatsoever.

/s/ Larry Wilcox                             Date  12/30/04
----------------------------------                -----------
Agreed
Larry Wilcox
Pres/CEO of UC HUB

/s/ Bonnie K. Farnsworth                     Date  12/30/04
----------------------------------                -----------
Agreed
Bonnie Farnsworth
Investor

<PAGE>[GRAPHIC OMITED]

                                BINDING DEAL MEMO
                                -----------------

May 20, 2004

1.  UC  Hub  has  formed  a  Nevada Corporation, eSAFE Cards Inc, a wholly owned
subsidiary,  to  run its financial services which may include and not be limited
to,  acquiring/merchant  services,  debit  cards, payroll cards, kiosks, loading
stations and stored valued cash cards with membership benefits/services.

2.  eSAFE  Cards  Inc,  and eCelerity will form a Joint venture as a Nevada LLC,
called eSAFE Processing LLC or something thereof. eSAFE Cards Inc, shall own 80%
of  the  LLC and eCelerity shall own 20%. eCelerity shall contribute proprietary
switching software, potentially partitioned servers and servicing to the new LLC
so  that  it  can authorize and process and facilitate all the eCelerity service
and  product  offerings  included  and  not  limited  to,  POS, ATM and internet
transactions  domestically  and  internationally.

3.  eSAFE  Processing  LCC  will  enter  into  a gateway services and management
agreement  with  eCelerity  for  eCelerity  to provide all back room and gateway
services.  Gateway  services  will be provided at eCelerity's actual transaction
cost  as listed on Exhibit A. Management charges shall be at eCelerity's actual,
out-of-pocket,  third  party,  arms-length  costs.  All  of  these costs and the
corresponding bank charges will be charged to the new LLC and such costs will be
paid from this joint venture proceeds before there is any split of profits. This
agreement  between  eSAFE  Cards Inc. and eCelerity shall continue worldwide, in
perpetuity  so  long as eSAFE utilizes eCelerity switching software contemplated
under  this proposal.

4.  eSAFE  Processing  LLC  will enter Into a processing relationship with eSAFE
Cards,  Inc, to provide processing services, which services shall be provided at
arm-length  market  prices.  This relationship will be exclusive to eSAFE Cards,
but  only so long as eSAFE Processing maintains industry standard Service Levels
(SLAs).  In  addition, it is intended that UC Hub and its other related entities
will  utilize  eSAFE Processing, LLC for processing services when feasible since
eSAFE  Processing  is a joint venture partner and eCelerity will use the various
services  offered  by UC Hub groups. Parties, eSAFE Cards Inc and eCelerity will
also  provide  each  other  office  space  when  needed.

5.  UC  Hub and/or eSAFE Cards Inc. will provide to the new joint venture, eSAFE
Processing  LLC  as recoupable, interest bearing loans: a) The initial operating
capital  of eSAFE Processing LLC b) Capital asset costs for additional equipment
may  be  required and if shall be at the sole discretion or eSAFE Processing. UC
Hub  and/or  eSAFE  Cards  Inc.  shall  look solely to eSAFE Processing, LLC for
repayment  of  the  loans contemplated herein. eCelerity shall have no liability
for  the  loan, or any other aspect of eSAFE Processing, LLC. Further, eCelerity
shall  not be required to contribute additional capital to eSAFE Processing, LLC
to  maintain  its  ownership  percentage.

6.  eCelerity  will  pass  on to eSAFE Processing LLC the eCelerity actual, arms
length,  third party costs of goods on all related direct and indirect hardware,
software,  services, deals and products, included and not limited to, pricing on
kiosks,  check  cashing hardware, POSA card activation hardware, or servicing of
kiosks. eCelerity will promote its relationship with eSAFE.

7.  eSAFE Processing, LLC shall at all times comply with Network Operating Rules
and  any  laws,  Regulations, guidance, orders or rules issued by the Regulatory
Authorities  that  relate to the cards, matters and transactions contemplated by
this  Agreement  and  shall  cause  all  third  parties  performing  any  of its
respective  obligations,  and  for  whom  it  provides  services

<PAGE>
                               [GRAPHIC OMITED]

hereunder,  including  eSAFE  Cards,  Inc., to comply with all of the foregoing.
eSAFE  Processing,  LLC shall complete all registration requirements as required
by  each  applicable  system  of  which  the Sponsor Bank has agreed to become a
member,  and  shall  pay  all  applicable  fees  and expenses as a result of its
sponsorship or registration of, and as required to maintain a Prepaid Debit Card
program,  and  is  solely responsible for all costs and expenses associated with
its  provision  of  card  services  not  otherwise  addressed in this Agreement.

8.  UC  Hub,  eSAFE  Cards Inc. and eCelerity agree to negotiate in good faith a
more  formal, long form agreement based upon the terms contained in this binding
deal  memo.  Until  that  agreement is completed and signed by all parties, this
agreement  shall  remain  in  full  force  and  effect.

9.  A  UC  Hub  stock  or stock option grant to eCelerity in connection with the
software  contribution  to  the  new  LLC  shall  be  discussed and included, if
appropriate, in the long form agreement contemplated by the parties.

Agreed, UC Hub

/s/ Larry Wilcox                Date  5/23/04
---------------------------          ---------------
Signature

Agreed, eCelerity

/s/ Richard                     Date  5/23/04
---------------------------          ---------------
Signature

<PAGE>
                                [GRAPHIC OMITED]

                                    EXHIBIT A

<TABLE>
<CAPTION>
<S>                          <C>
ATM Network Connectivity:    Plus, Cirrus, STAR, Honor/Star East, NYCE, Pulse, Express Cash, Discover, Diners Club,
                             Visa, MasterCard, and MAC
P.O.S Network Connectivity:  Pulse (PulsePay), Star (Explore), Honor/Star East, Express Cash, Discover, Maestro
                             (Other networks may from time to time be added to the eCelerity system.)
</TABLE>

TRANSACTION GATEWAY FEES
ECELERITY GATEWAY COST 5/21/04

<TABLE>
<CAPTION>
Transaction Volume                   Price
-------------------------------------------
<S>                                 <C>

1 - 1,000,000                       $0.0425
1,000,001 - 1,000,500               $0.0375
1,000,501 - 2,000,000               $0.0325
Over 2,000,000                      $ 0.030
</TABLE>

Transaction volume utilized for pricing to eSAFE Processing, LLC shall be
determined by eCelerity's total volume, not just volume created by eSAFE
Processing, LLC.

                                                   Initials_____________________

<PAGE>Exhibit 10.15

                               [GRAPHIC OMITED]

================================================================================

                                    Deal Memo

On  Oct  15,  2004, National Merchant Center (SMC), and eSAFE Inc (ESI), who are
referred  to  jointly  as  "Parties"  have  agreed  to a Joint Venture Agreement
supersedes  all  past  agreements.

"Parties" have agreed to run transactions over the SMC network and that NMC will
do  so  for  all  direct  third  party  costs  for  such  transactions  and will
additionally  receive  20%  of  the  transaction  fee that ESI charges. ESI will
receive  80%  for  their  customers'  transactions.

"Parties"  have  agreed that this 80-20 split will further be reduced to a 90-10
split with volume to be defined in good faith, and not be unreasonable withheld.

"Parties" have also agreed to discuss and review the possibility of forming a JV
through NEWCO

(Illegible)              October 15, 2004
------------------------
Agreed
NMC

/s/ Larry Wilcox         October 15, 2004
------------------------
Agreed
eSAFE Inc

<PAGE>Exhibit 10.16
                                   ALLCOM USA
                     Telecommunications Solutions That Work

                                Binding Deal Memo

ALLCOM USA is a Nevada Corporation who specializes in Telecommunication
services. ALLCOM USA has agreed to the following acquisition of assets for the
sum total price of 100,000 shares of R144 stock to be issued to --as directed by
Bill Brouillet -- as of August, 2004.

     a.   ALLCOM USA would hire as either employees at will or as consultants
          the following personnel:
          (1)  Shawn Jones
          (2)  Simon Eggington
          (3)  And, others "to be determined"

     b.   ALLCOM USA would acquire the assets, including the vehicles, office
          equipment, inventory and any telephone systems currently assigned to
          Integrated Communications of NV.
     c.   ALLCOM USA would plan to use Shawn Jones' contractors license for the
          State of NV.
     d.   ALLCOM USA would sign vendor agreements with Altigen and other
          suppliers that reflect the same or enhanced contract parameters as
          were in place with Integrated Communications.
     e.   ALLCOM USA would use its management and expertise to provide all such
          telecommunications and engineering services to customers and all such
          contracts and revenue, direct and indirect will be assigned to ALLCOM
          USA.
     f.   ALLCOM USA would make available other services that generate revenue
          to Bill Brouillet and his B&C Telephone INC. customers or affiliates.
     g.   All parties involved in this asset acquisition agree that they will
          not compete with ALLCOM or interfere with ALLCOM with the designated
          customers and vendors ALLCOM has reviewed and discussed with
          Integrated Communications, its affiliates, management and its
          employees including and not limited to, Simon Eggington and Shawn
          Jones.

     h.   Parties have agreed that the venue shall be Los Angeles County,
          California.

     i.   Parties represent and warrant they have the power to sign for the sale
          of said assets and the power to consummate this asset acquisition in
          full with no such liabilities whatsoever. Integrated Communications
          and affiliates hereby represent that there is no legal or other
          pending issues that may encumber the completion of this contract and
          its good faith intent.
     j.   20,000 Options as of Mkt price at close 8/12/04

/s/ Larry Wilcox      Date 8/12/04             (Illegible)        Date Aug 12 04
----------------          --------             -----------------       ---------
UC HUB
Larry Wilcox

--------------------------------------------------------------------------------
     10390 Commerce Center Drive, Suite 250, Rancho Cucamonga, CA 91730 USA
   Tel: (800)425-5266 - Fax: (888)525-5266 - www.AllComUSA.com info@AllCom.Com

<PAGE>

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