Document:

THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "SECURITIES ACT"), OR APPLICABLE STATE SECURITIES LAWS. THIS
SECURITY MAY NOT BE SOLD OR OTHERWISE TRANSFERRED WITHOUT REGISTRATION UNDER THE
SECURITIES ACT AND SUCH LAWS, OR PURSUANT TO AN AVAILABLE EXEMPTION THEREFROM.

                                 FIRST AMENDMENT
                                       TO
              COLLATERALIZED CONVERTIBLE COMMERCIAL PROMISSORY NOTE

NOTE DATE:  AUGUST 27, 1999
PRINCIPAL AMOUNT:  $1,000,000.00
MATURITY DATE:  SEPTEMBER 1, 2001

LENDER (NAME AND ADDRESS):
(AS TO A 50% UNDIVIDED INTEREST AS TENANTS IN COMMON)
Norwest Bank Colorado,
National Association,
Trustee of the James C. Berger Rollover IRA
90 South Cascade Avenue
P.O. Box 2120
Colorado Springs, CO  80901-2120

                  and

(AS TO A 40% UNDIVIDED INTEREST AS TENANTS IN COMMON)
John M. Ventimiglia
4390 North Academy Boulevard
Colorado Springs, CO  80917

                  and

(AS TO A 10% UNDIVIDED INTEREST)
Robin L. Morley & Mark E. Morley, as Tenants in Common
101 North Cascade Avenue, Suite 310
Colorado Springs, CO  80903

MAKER (NAME AND ADDRESS):

OPEC Corp., a Colorado corporation
c/o Donald D. Cannella, President
5930 Paonia Court
Colorado Springs, CO  80915

     On or about August 27, 1999, Maker made a promissory note payable to the
order of Lender in the principal amount of $1,000,000.00. ("Note")

     The Note contained a Conversion Privilege.
<PAGE>
     On or about July 27, 2000, the Lender, the Maker, and Maker's parent,
FutureOne, Inc., agreed that as partial consideration for Lenders' consent to
release identified portions of Maker's accounts receivable from the Security
Agreement securing the Note, that the Conversion Privilege set forth in the Note
shall be amended as set forth herein below:

     MODIFIED CONVERSION PRIVILEGE:

     1. CONVERSION. Any one or more of the holder or holders of this Note
("Holder") may, (i) at any time after one year from the date of the Note and
prior to the maturity of the Note, or, (ii) within one hundred fifteen (115)
days after the Maker gives notice that it elects to exercise its prepayment
rights, convert (the "Conversion Privilege") $444,444.00 of the principal amount
of the Note into Common Stock at the conversion ratio of $1.00 of the Note
principal for one share of Common Stock of FutureOne, Inc. ("FUTO") par value of
$.001 per share ("Common Stock"). The Common Stock must be fully paid and
nonassessable and be either unrestricted and freely tradable on the NASDAQ
National or Small-Cap Markets or a national stock exchange or transferrable in
accordance with Rule 144 promulgated under the Securities Act. Maker
acknowledges the one year holding period for the Common Stock pursuant to Rule
144(d) promulgated under the Securities Act shall elapse on or before August 27,
2000, with respect to the Lender.

     2. NOTICE OF ELECTION AND DELIVERY. To convert this Note, the Holder must
give the Maker written Notice of Election to Convert, in a form substantially
similar to that attached hereto as Exhibit A, properly completed and executed by
the Holder or a duly authorized attorney. The Maker shall forthwith deliver the
stock certificates as directed by the Holder in exchange for the Note and if any
principal amount remains unpaid after such conversion, a new Note, substantially
in the form of this Note dated the date to which interest has been paid on this
Note, in a principal amount equal to the unpaid principal amount. The conversion
shall be deemed to have been made at the close of business on the day the Note
is surrendered for conversion.

     3. ADJUSTMENTS TO CONVERSION. (i) If FUTO at any time pays to the holders
of its Common Stock a dividend in Common Stock, the number of shares of Common
Stock issuable upon the conversion of this Note shall be proportionally
increased, effective at the close of business on the record date for
determination of the holders of the Common Stock entitled to the dividend.

          (ii) If FUTO at any time subdivides or combines in a larger or smaller
number of shares its outstanding shares of Common Stock, then the number of
shares of Common Stock issuable upon the conversion of this Note shall be
proportionally increased in the case of a subdivision and decreased in the case
of a combination, effective in either case at the close of business on the date
that the subdivision or combination becomes effective.

                                       2
<PAGE>
          (iii) If FUTO is recapitalized, consolidated with or merged into any
other corporation, or sells or conveys to any other corporation all or
substantially all of its property as an entity, provision shall be made as part
of the terms of the recapitalization, consolidation, merger, sale, or conveyance
so that the Holder of this Note may receive, in lieu of the Common Stock
otherwise issuable to them upon conversion hereof, at the same conversion ratio,
the same kind and amount of securities or assets as may be distributable upon
the recapitalization, consolidation, merger, sale, or conveyance with respect to
the Common Stock.

     4. FRACTIONAL SHARES. In lieu of issuing any fraction of a share or scrip
upon the conversion of this Note, the Corporation shall pay to the Holder
hereof, for any fraction of a share otherwise issuable upon conversion, cash
equal to the same fraction of the then current per share market price of the
Common Stock as determined by the closing price of such Common Stock on the day
immediately preceding such payment.

     Except as specifically stated herein, all of the other terms of the Note
shall remain as stated in the original Note.

     By signing this First Amendment to Collateralized Convertible Commercial
Promissory Note, Maker also acknowledges receipt of copy.

                                        MAKER:

                                        OPEC Corp., a Colorado corporation

                                        By: /s/ Donald D. Cannella
                                           -------------------------------------
                                           Donald D. Cannella, President
ATTEST:

/s/ Daniel J. Romano
-----------------------------------
Daniel J. Romano, Secretary

                                       3
<PAGE>
                     ACKNOWLEDGMENT OF CONVERSION PRIVILEGE

     The undersigned executes this First Amendment to Note, not as a Maker or
Guarantor, but merely to acknowledge its obligations concerning the Conversion
Privilege.

                                        FutureOne, Inc., a Nevada Corporation

                                        By: /s/ Earl Cook
                                            ------------------------------------
                                            Earl Cook, President

ATTEST:

---------------------------------

                      , Secretary
----------------------

                                       4
<PAGE>
                                    EXHIBIT A

                          NOTICE OF ELECTION TO CONVERT

To:  OPEC Corp.

     The undersigned holder or holders of this Note exercise the option to
convert $444,444.00 of Principal of this Note, or portion hereof designated
below, for shares of Common Stock of FutureOne, Inc., and directs that the
shares deliverable upon this conversion, and any check in payment for fractional
shares, and any Note of like tenor, date and maturity to this Note representing
any nonexchanged principal amount of this Note, be issued and delivered to the
holder or holders hereof, unless a different name or names has been indicated
below. If any shares are to be delivered registered in the name or names of a
person or persons other than the holder or holders of this Note, the undersigned
shall pay all transfer taxes payable with respect to the transfer.

Dated:__________________, _______.
                                        ----------------------------------------
                                        (Signature)

Fill in for registration of stock       Principal amount to be exchanged: $_____
if to be delivered and notes to be
issued, otherwise than to owner or
owners of this Note.

-----------------------------------     Social Security Number:
Name                                                           -----------------

-----------------------------------

-----------------------------------
Address

--------------------------------------------------------------------------------

Fill in for registration of stock       Principal amount to be exchanged: $_____
if to be delivered and notes to be
issued, otherwise than to owner or
owners of this Note.

-----------------------------------     Social Security Number:
Name                                                           -----------------

-----------------------------------

-----------------------------------
Address

--------------------------------------------------------------------------------

Fill in for registration of stock       Principal amount to be exchanged: $_____
if to be delivered and notes to be
issued, otherwise than to owner or
owners of this Note.

-----------------------------------     Social Security Number:
Name                                                           -----------------

-----------------------------------

-----------------------------------
Address

                                       5ASSET SALE AND PURCHASE AGREEMENT

This Sale and Purchase Agreement, entered into as of the 12th day of October
2000 by and between FutureOne Inc., a Nevada corporation and FutureOne, Inc. an
Arizona corporation (hereinafter collectively "FutureOne) and R. Tucker
Woodbury, an individual, ( hereinafter "RTW") shall set forth the terms and
conditions whereby RTW will purchase the business division of FutureOne, which
is currently operated under the business name of Rocket Science Creative
(hereinafter "RSC") effective as of October 6, 2000.

                                    RECITALS

         WHEREAS, FutureOne is the owner and operator of the business known as
RSC, located in Phoenix, Arizona and FutureOne is willing to sell all of the
assets and the business of RSC to RTW under the terms and conditions contained
herein.

         WHEREAS, RTW is an individual residing in Phoenix, Arizona and is
willing to purchase the assets and business of RSC now owned by FutureOne and to
assume certain liabilities of RSC under the terms and conditions contained
herein.

         Accordingly, in consideration of the mutual covenants and agreements
contained herein, it is agreed that RSC shall be acquired by RTW (the
"Acquisition"), and that the terms and conditions of the Acquisition, the mode
of carrying same into effect, the assets and liabilities and such other
provisions as are deemed necessary or desirable to be effected by the
Acquisition are defined herein.

         NOW, THEREFORE, in consideration of the premises and the mutual
promises herein made, and in consideration of the representations, warranties,
and covenants herein contained, the Parties agree as follows:

                              TERMS OF ACQUISITION

         1. ACQUISITION. RSC shall be acquired by RTW in an asset purchase as
defined herein and FutureOne shall continue in existence doing business as
"FutureOne. From and after the Acquisition, the corporate existence of
FutureOne, with all its rights, privileges, immunities, powers and purposes,
shall continue unaffected and unimpaired by the Acquisition.

         2. CLOSING AND EFFECTIVE TIME. The consummation of the Acquisition of
RSC by RTW (the "Closing") shall take place at the offices of FutureOne, Inc. at
2:00 PM, Arizona time, on the first day after which (a) all conditions set forth
in this Agreement have been satisfied; or (b) at such other place, date, and
time as may be agreed upon by FutureOne and RTW. The parties hereby agree that
irrespective of the Closing Date the effective date ("Effective Date") shall be
October 6, 2000. The date on which the closing shall take place shall be
hereinafter referred to as the "Closing Date."

         3. EFFECT OF ACQUISITION. After the Effective Date, the effects of the
consummation of the Acquisition on RTW shall be that RSC shall operate as if RSC
is no longer a business of FutureOne and all financial transactions executed by
RSC shall be for the account of RSC and RTW and shall have no effect on
FutureOne.
<PAGE>
                      PURCHASE PRICE AND MANNER OF PAYMENT

         1. BASE PURCHASE PRICE. RTW shall pay to FutureOne, the sum as
determined below, in exchange for the all of the tangible and intangible assets
of RSC, as described on the Bill of Sale as per Exhibit A attached hereto. It is
agreed that the Accounts Receivable and Work in Process specified on the
attached Exhibit A shall be specified as owned by RSC or FutureOne, with RSC
specifying, at its sole option, those receivables which it intends to purchase.
Such accounts receivable or work in process shall not exceed sixty percent (60%)
of the total of all accounts receivable indicated on the list and the parties
agree that only the accounts receivable and work in process specified on the
bill of sale as RSC accounts receivable and work in process are actually being
transferred to RSC on said bill of sale and all others are being retained by
FutureOne.

Such transfer is being made free from any liens or encumbrances except as
disclosed on Exhibit B attached hereto. It is agreed that the Accounts Payable
specified on the attached Exhibit B shall be specified as assumed by RSC or
FutureOne, with RSC specifying, at its sole option, those accounts payable which
it intends to assume. Such accounts payable assumed by RSC shall not be less
than Fifty Thousand & 00/100 Dollars of the total of all accounts payable
indicated on the list and the parties agree that only the accounts payable
specified on the bill of sale as RSC accounts payable are actually being assumed
by RSC on said Exhibit B and all others are being retained by FutureOne.

The purchase price shall be determined and paid as follows:

     1)   Seventy Five Thousand and 00/100 Dollars ($75,000.) paid at closing.

     2)   Assumption of $50,000 of Accounts Payable as indicated on Exhibit B
          attached hereto.

     3)   Assumption of the three leases as indicated on Exhibit B.

     4)   Assumption of the Customer Deposits as indicated on Exhibit B.

ADDITIONAL CONSIDERATION - Subsequent to the closing of this transaction,
nothing herein shall prohibit or prevent RTW from exercising his ownership
interests in RSC, including but not limited to his right to associate and
collaborate with any third party; to enter into any joint venture or
arrangement; to merge, convey, assign and/or sell the Company to any third
party; and, to otherwise exercise, manage and operate RSC as he sees fit without
any impediment or restriction by FutureOne thereon subject to the following:

That for the one (1) year period after the date of the closing of this
transaction, the following schedule shall be adhered to with regard to the
division of profits from the sale of RSC:

1.   If RTW sells RSC within the first thirty (30) days from the date of the
     closing of this transaction with FutureOne, for an amount equal to or
     greater than Three Hundred Fifty Thousand and 00/100 ($350,000.00) Dollars,
     RTW and FutureOne shall each be entitled to fifty (50%) percent of the
     profit from the sale thereof;
<PAGE>
2.   For the next sixty (60) days thereafter, if RTW sells RSC for an amount
     equal to or greater than Four Hundred Thousand and 00/100 ($400,000.00)
     Dollars, RTW shall be entitled to sixty (60%) percent of the profit, and
     FutureOne shall be entitled to forty (40%) percent of the profit;

3.   For the next ninety (90) days thereafter, if RTW sells RSC for an amount
     equal to or greater than Five Hundred Thousand and 00/100 ($500,000.00)
     Dollars, RTW shall be entitled to seventy (70%) percent of the profit, and
     FutureOne shall be entitled to thirty (30%) percent of the profit;

4.   For the next ninety (90) days thereafter, if RTW sells RSC for an amount
     equal to or greater than Seven Hundred Fifty Thousand and 00/100
     ($750,000.00) Dollars, RTW shall be entitled to eighty (80%) percent of the
     profit, and FutureOne shall be entitled to twenty (20%) percent of the
     profit; and,

5.   For the next ninety (90) days thereafter, if RTW sells RSC for an amount
     equal to or greater than One Million and 00/100 ($1,000,000.00) Dollars,
     RTW shall be entitled to ninety (90%) percent of the profit, and FutureOne
     shall be entitled to ten (10%) percent of the profit.

In the event that RTW sells RSC on or after the first (1st) year anniversary of
the date of the closing of this transaction, FutureOne shall not be entitled to
any profit, or any percentage thereof, from the sale. Nor, shall FutureOne be
entitled to any profit from the sale of RSC during the first (1st) year, if RSC
is not sold for an amount equal to or greater than the amounts indicated above.
Further, once RTW sells RSC, FutureOne's interest therein, as provided for
above, is terminated and FutureOne shall have no interest in the profits of a
resale of RSC by any third party.

                   REPRESENTATIONS AND WARRANTIES OF FUTUREONE

FutureOne represents and warrants to RTW that the statements contained in this
Section are correct and complete as of the Closing Date with respect to itself.
Except as expressly set forth in this Section FutureOne makes no representation
or warranty, express or implied, at law or in equity, in respect of RSC or any
of its assets, liabilities or operations, including, without limitation, with
respect to merchantability or fitness for any particular purpose, and any such
other representations or warranties are hereby expressly disclaimed.

         1. DUE INCORPORATION, GOOD STANDING, QUALIFICATION. FutureOne is a
corporation duly organized, validly existing and in good standing under the laws
of Nevada and Arizona with all requisite corporate power and authority to own,
operate, and lease its properties and to carry on its business as presently
conducted.

         2. AUTHORITY AND COMPLIANCE; NO VIOLATION. FutureOne, and its Officers
and Directors have full power and lawful authority to execute and deliver this
Agreement, and to consummate and perform the transactions contemplated hereby.
The execution and delivery of this Agreement, and the consummation and
performance of the transactions contemplated hereby shall have been duly and
validly authorized by all necessary corporate and other proceedings, and this
Agreement shall constitute the valid obligation of FutureOne, legally binding
upon it in accordance with its terms.
<PAGE>
         3. OTHER. FutureOne, to the best of its knowledge, has disclosed
relevant financial and business information regarding this transaction to RTW.

                      REPRESENTATIONS AND WARRANTIES OF RTW

RTW represents and warrants to FutureOne that the statements contained in this
Section are correct and complete as of the Closing Date with respect to himself.

         1. DUE INCORPORATION, GOOD STANDING, QUALIFICATION. RTW is an
individual residing in with all requisite power and authority to own, operate
and lease his properties and carry on a business as presently conducted.

         2. AUTHORITY AND COMPLIANCE; NO VIOLATION. RTW has full power and
lawful authority to execute and deliver this Agreement, and to consummate and
perform the transactions contemplated hereby.

         3. OTHER. RTW has been an officer of FutureOne with the direct
responsibility for the operations of RSC and has full knowledge of the
customers, financial affairs, personnel and all other matters relating to RSC.
Further RTW has fully disclosed, and shall disclose, all financial and corporate
information regarding this transaction, whether material or inconsequential, to
FutureOne.

               CONDITIONS PRECEDENT TO OBLIGATIONS OF THE PARTIES

The obligations of the parties to consummate the Acquisition are subject to the
fulfillment prior to or at the Closing of each of the following conditions,
except as such parties may legally waive such conditions in writing:

         1. REPRESENTATIONS AND WARRANTIES TRUE. Each of the representations and
warranties of the Parties contained in this Agreement shall have been true and
correct, as of the Effective Date, when made and at the time of Closing.

         2. NO LITIGATION. There shall be no action, proceeding, or threatened,
pending or actual litigation to enjoin, restrain, or prohibit the consummation
of the transactions contemplated by this Agreement or which would have the
effect, if successful, of imposing any liability upon FutureOne or RTW.

         3. COMPLIANCE WITH AGREEMENT. The Parties shall have complied with all
agreements and covenants applicable to them and contained in this Agreement.

         4. TRANSFERS OF ASSETS AND LIABILITIES. The parties hereto agree that
as of the Effective Date, all of the assets of RSC, as detailed on Exhibit A
shall be removed from the books of FutureOne and be included on the books of
RSC/RTW.

The parties hereto agree that as of the Effective Date, all of the Liabilities
of RSC, as detailed on Exhibit B shall be removed from the books of FutureOne
and be included on the books of RSC/RTW.
<PAGE>
RSC shall assume all existing contractual obligations to perform future services
for  customers  that may currently be in the name of FutureOne and shall perform
such services in such a manner as to prevent  customers  from taking any actions
against FutureOne for non-performance under the contract.

In addition RSC shall assume  responsibility for any "warranty" work required by
customers  that  relates to work  performed  for  customers  by RSC prior to the
Effective Date.

         5. OTHER.

RTW/RSC shall cause all employees covered by Employment Contracts with
FutureOne, namely R. Tucker Woodbury, Craig Budwitz and Shalome Patrick, to
resign as employees of FutureOne in a form as indicated on Exhibit C and shall
continue to employ such employees and/or enter into new employment contracts
with them. FutureOne will accept all employee resignations as of the Effective
Date and release employees from their non-disclosure and non-compete provisions.
FutureOne shall be liable for all compensation and benefits due employees under
Employment Contracts up to the Effective Date of this Agreement.

RTW/RSC shall enter into a sub-lease with FutureOne for the present RSC
facilities at CamelSquare, subject to the exact same terms as FutureOne's lease
for the facilities. Such sub-lease shall be effective as of the Effective Date
and all rent shall be payable from that date forward.

RTW/RSC shall open all new bank accounts and the existing RSC bank accounts
shall be closed by FutureOne as soon as possible.

RTW/RCS shall assist in the collection of those RSC accounts receivable still
owned by FutureOne and shall directly transmit any checks received by RSC for
payment of FutureOne owned accounts receivable to FutureOne in an expedient
manner.

FutureOne shall pay liabilities retained by FutureOne that could affect RSC
vendor relations in an expedient manner, unless such account is being
legitimately disputed by FutureOne.

RTW/RSC shall be responsible for all payroll to be paid after October 6, 2000
and shall pay in full the payroll due to be paid to employees beginning with the
October 20, 2000 payroll.

RTW/RSC shall obtain its own liability and workman's compensation insurance and
RSC shall be removed from FutureOne's liability and workman's compensation
policies as of the Effective Date.

RTW/RSC shall obtain its own group insurance coverage, if desired, and RSC and
its employees shall be removed from FutureOne's Section 125 Plan as of the
Effective Date, unless temporarily continued on an interim basis until RSC
obtains new coverage, but in such an event, RSC shall be responsible to pay its
proportionate share directly to FutureOne.

RSC and its employees shall be removed from the FutureOne 401K Plan as of the
Effective Date.

RSC shall continue to host the FutureOne and related web sites as long as
practical, which FutureOne will attempt to move as soon as possible to another
provider, at no charge.
<PAGE>
RSC shall directly assume or terminate all ongoing service "contracts", such as
janitorial, water etc.as of the Effective Date

RSC shall establish credit with existing and new vendors in its own name and
remove FutureOne from any future credit transactions.

RTW shall resign as an officer of FutureOne as of the Effective Date.

                               FURTHER AGREEMENTS

         1. FINANCIAL RECORDS FutureOne shall retain all financial records such
as paid invoices, payroll records, billing records, canceled checks and bank
statements of RSC for the period this entity was under the control of FutureOne.
FutureOne agrees to make such documents, or copies, available to RTW/RSC as
requested.

FutureOne shall cooperate with RTW/RSC to transfer existing accounting data to
RTW. RSC shall be responsible to provide their own accounting software and
accounting resources as of the Effective Date.

         2. FUTURE COOPERATION. The parties agree to cooperate in assisting each
other by providing information that may be required from or in the possession of
the other party that is necessary to carry on their business, such as fulfilling
governmental agency requests, meeting audit requirements or answering customer
or vendor questions. The parties also agree to cooperate in transferring
employees to new benefit packages and insurance.

         3. MUTUAL RESOURCES AND BENEFITS. The parties hereto acknowledge that
RSC currently occupies office space currently under lease by FutureOne until
January 31, 2001. In addition RSC and FutureOne share other resources such as
telephones and Internet connections. The parties hereby agree to work toward a
mutually beneficial separation of these resources during the next 90 days
whereby RSC shall obtain its own telephone system and the current system being
used by RSC shall be remain the property of FutureOne and the Internet
connection will be assumed by RSC.

         4. BROKERS FEES AND/OR FINDERS FEES. No fees to any broker or finder
are due under this Agreement.

         5. COVENANT NOT TO COMPETE. FutureOne, its heirs, successors and
assigns, will not (in any capacity whatsoever for its or their own account, or
for any other party, person, partnership, corporation, or other entity or
organization), directly or indirectly, engage in the conduct of the business
currently conducted by RSC, or any phase thereof or any part thereof, in the
state of Arizona for five (5) years from the Closing Date of this transaction."

                                INDEMNIFICATIONS

         1. RTW. RTW hereby agrees to indemnify, hold harmless and defend
FutureOne and FutureOne's officers, directors, employees and agents for, from
and against any and all demands, claims or damages that may arise from (i) any
and all acts, actions or omissions, whether intentional or otherwise, of RTW or
RSC that may occur subsequent to the Effective Date; and (ii) RTW's breach of
<PAGE>
their representations, warranties and covenants contained herein; and (iii) the
debts and liabilities of RSC assumed by RTW as specified on Exhibit B.

         2. FUTUREONE. FutureOne hereby agrees to indemnify, hold harmless and
defend RTW from and against any and all demands, claims or damages that may
arise from (i) any and all acts, actions or omissions, whether intentional or
otherwise, of RSC that may have occurred prior to the Effective Date, unless
such claim was known to RTW in his capacity as manager of RSC and not disclosed
to the management of FutureOne as of the closing date, and (ii) FutureOne's
breach of its representations, warranties and covenants contained herein and
(iii) the debts and liabilities of RSC assumed by FutureOne as specified on
Exhibit B.

                               GENERAL PROVISIONS

         1. NOTICES. Any notice hereunder to a party shall be deemed to be
properly served in writing and personally delivered or mailed to:

         In the case of FutureOne:                   In the case of RTW:
                  FutureOne, Inc.                    R. Tucker Woodbury
                  4250 East Camelback Road           4430 N. 47th St.
                  Suite K-124                        Phoenix, AZ 85018
                  Phoenix, Arizona 85018-2751
                  Attention: President

or to such other address as may have been furnished in writing by such party to
the other parties to this Agreement, and shall be deemed to have been given as
of the time delivered or, if mailed, as of the time acknowledged as received if
mailed registered or certified mail, postage prepaid, it being the intention
that all notices pursuant hereto shall be effective only upon receipt.

         2. INTERPRETATIONS. To the extent permitted by the context in which
used, (a) words in the singular number shall include the plural, words in the
masculine gender shall include the feminine and neuter, and vice versa, and (b)
references to "persons" or "parties" in this Agreement shall be deemed to refer
to natural persons, corporations, and all other entities. This instrument shall
be construed in accordance with the fair meaning of its language, and shall not
be construed for or against the party drafting it, solely because of such fact.

         3. COUNTERPARTS. This Agreement may be executed in any number of
counterparts, each of which when so executed, shall constitute an original copy
hereof, but all of which together shall constitute one and the same document.

         4. SECTION HEADINGS AND GENDER. The section headings herein have been
inserted for convenience of reference only and shall in no way modify or
restrict any of the terms or provisions hereof. The use of the masculine or any
other pronoun herein when referring to any party has been for convenience only
and shall be deemed to refer to the particular party intended regardless of the
actual gender of such party.

         5. ENTIRE AGREEMENT. This Agreement and the Exhibits hereto set forth
the entire understanding of the parties with respect to the transactions
contemplated hereby, and any previous agreements or understandings between the
parties regarding the subject matter hereof are merged into and superseded by
this Agreement.

         6. NONASSIGNABILITY. The obligations of this Agreement are personal to
each party, and neither the rights nor obligations under this Agreement may be
assigned or transferred by any party in any manner whatsoever, nor are such
rights or obligations subject to involuntary alienation, assignment or transfer.
<PAGE>
         7. EXCLUSIVE GOVERNING LAW. This Agreement shall be construed in
accordance with and governed by the laws of the State of Arizona without regard
to its conflicts of law principles.

         8. SEVERABILITY. The unenforceability, invalidity, or illegality of any
provision of this Agreement, shall not render the other provisions
unenforceable, invalid, or illegal. If any term, provision, covenant or
condition of this Agreement is invalidated due to its scope or breadth, such
term, provision, covenant, or condition shall be deemed valid to the extent of
the scope or breadth permitted by law in accordance with the intent of the
parties as expressed herein.

         9. WAIVER OF TERMS. Any of the terms and conditions of this Agreement,
to the extent permitted by law, may be waived at any time by the party who is
entitled to the benefit thereof by action taken by the board of directors or
trustee of such party, however, such action shall be taken only if, in the
judgment of party taking such action, such waiver will not have a materially
adverse effect on the benefits intended hereunder to the shareholders or
beneficiaiaries of such party. Such action shall be evidenced by written notice
signed by an authorized agent or representative of the party taking such action.

         10. COOPERATION. Subject to the terms and conditions herein provided,
each of the parties hereto shall use its best lawful efforts to take, or cause
to be taken, such action, to execute and deliver, or cause to be delivered, such
additional documents and instruments and to do or cause to be done all things
necessary, proper or advisable, under the provisions of this Agreement and under
applicable law to consummate and make effective the transactions contemplated by
this Agreement.

         11. DISPUTE RESOLUTION. The parties hereby covenant and agree that,
except as otherwise set forth in this Agreement, any suit, dispute, claim,
demand, controversy or cause of action of every kind and nature whatsoever,
known or unknown, fixed or contingent, that the parties may now have or at any
time in the future claim to have based in whole or in part, or arising from or
that in any way is related to the negotiations, execution, interpretation or
enforcement of this Agreement (collectively, the "Disputes") shall be completely
and finally settled by submission of any such Disputes to arbitration under the
Rules of the American Arbitration Association then in effect. The arbitration
proceedings shall take place in Phoenix, Arizona and the arbitrator(s) shall
apply the law of the State of Arizona to all issues in dispute. Judgment on such
award may be entered in any court of competent jurisdiction. The prevailing
party shall be entitled to recover its reasonable costs and attorneys fees.

         12. ENFORCEMENT. The failure of either party to enforce any provision
of this Agreement shall not be construed as a waiver or limitation of that
party's right to subsequently enforce and compel strict compliance with every
provision of this Agreement.

         13. PROFESSIONAL ADVICE, FEES AND COSTS. Each Party has relied on its
own professional legal, accounting and tax advisors in determining the legal,
accounting and income tax effects of the transactions contemplated by this
Agreement on such Party. Except as otherwise provided herein, each Party hereto
shall pay its own expenses incurred in connection with this Agreement and the
consummation of the transactions contemplated by this Agreement.
<PAGE>
         14. AMENDMENT OF AGREEMENT. Notwithstanding anything to the contrary in
this Agreement, to the extent permitted by law, this Agreement may be amended,
supplemented or interpreted at any time by written instrument duly executed by
each of the parties hereto which shall have been authorized by appropriate
action taken by the board of directors of the parties hereto and, in the case of
an interpretation, the actions of such board of directors shall be binding.

         15. INCORPORATION OF EXHIBITS. The Exhibits attached hereto are
incorporated herein by reference and made a part hereof.

IN WITNESS  WHEREOF,  the Parties  hereto  have  caused  this Sale and  Purchase
Agreement to be entered into as of the Agreement Date first above written.

FutureOne Inc.                          RTW
(a Nevada corporation)                  (an Individual residing in Phoenix, AZ)

By: /s/ Earl J. Cook                    By: /s/ R. Tucker Woodbury
    -------------------------------         ------------------------------------
    Earl J. Cook, President                 R. Tucker Woodbury

FutureOne, Inc.
(an Arizona corporation)

By: /s/ Earl J. Cook
    -------------------------------
    Earl J. Cook, President
<PAGE>
                                                                       EXHIBIT A

                                  BILL OF SALE

KNOW ALL MEN BY THESE PRESENTS:

That FutureOne, Inc a Nevada corporation and FutureOne, Inc., an Arizona
corporation, hereinafter referred to collectively as "Seller", for and in the
consideration of the sum of Seventy Five Thousand and 00/100 Dollar ($75,000)
and other valuable consideration paid to them by R. Tucker Woodbury under the
terms of a Sale and Purchase Agreement executed concurrently with the execution
of this document, hereafter referred to as "Buyer", does hereby sell, assign and
transfer to Buyer, free of any liens or encumbrances, all of the Seller's right
title and interest in the following personal property located in Phoenix,
Arizona:

1)   The Seller's going business known as "Rocket Science Creative"

2)   The trade name "Rocket Science Creative", the goodwill of the business and
     all telephone numbers currently being used exclusively by that business.

3)   The customer list and all existing contracts and records associated with
     customers on said list.

4)   The Following Domain Names: "rscreative.com" and
     "rocketsciencecreative.com".

5)   The furniture, equipment and software on the attached list.

6)   The accounts receivable and work in process as per the attached list.

All of Rocket Science Creative's business plans, software licenses and operating
technology.

Buyer acknowledges that the equipment is used and the equipment is being sold
"as is" and "where is".

Dated this 12th day of October, 2000

FutureOne, Inc.                              FutureOne, Inc.
(a Nevada corporation)                       (an Arizona corporation)

/s/ Earl J. Cook                             /s/ Earl J. Cook
-----------------------------------          -----------------------------------
By: Earl J. Cook, President                  By: Earl J. Cook, President

Seller accepts title at Phoenix, Arizona.

R. Tucker Woodbury

/s/ R. Tucker Woodbury
-----------------------------------
<PAGE>
                                                                       EXHIBIT B

              RSC LIABILITIES AND OBLIGATIONS TO BE ASSUMED BY RTW

1)   Accounts Payable - See Schedule attached

2)   Leases: Three Equipment Leases - per copies attached

3)   Customer Deposits - See Schedule attached
<PAGE>
                                                                       EXHIBIT C

                      EMPLOYMENT CONTRACTS AND RESIGNATIONS

I hereby resign as an employee of FutureOne, Inc. and hereby give notice that I
am terminating the Employment Agreement between myself and FutureOne, Inc.,
dated March 31, 1999, as per the provisions of section 7c, to accept employment
with the new Buyer of Rocket Science Creative.

                                                                 October 6, 2000
-----------------------------------                              ---------------
Employee                                                         Date

FutureOne,  Inc. hereby accepts you resignation effective October 6, 2000 and as
per the terms of Section  7c of the  Employment  Agreement  hereby  invokes  its
option  to  terminate  your  employment  as of the  date  of  your  resignation.
FutureOne  further hereby  releases you from the provisions of Section 8 of that
Agreement.

FutureOne, Inc.
(an Arizona corporation)

By: /s/ Earl J. Cook
    --------------------------------
    Earl J. Cook, President

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