Document:

INDEPENDENT CONTRACTORS AGREEMENT

DATE: 4/30/98
PARTIES: WHY USA MID AMERICA DEVELOPMENT CORPORATION
ADDRESS: P.O. Box 744
         Fergus Falls, MN 56538
AND

INDEPENDENT CONTRACTOR THEIR HEIRS AND/OR ASSIGNS:
NAME:    Jerry Jarvis
ADDRESS: 2515 White Bear Ave. #265
         Maplewood, MN 55109

1. RECITALS:

A. The Independent Contractor has the rights to offer for sale and sell
Franchises for USA MID AMERICA DEVELOPMENT CORPORATION, a Minnesota
Corporation, hereinafter referred to as "MID AMERICA". Mid America also has
the duty and rights to service and train salespersons, do broker training and
other duties that help WHY USA MID AMERICA Franchisees operate their
companies.

B. independent Contractor, hereinafter referred to as "I.C." will help sell
and service WHY USA Franchises and Franchisees.

     1. It shall be the duty of the I.C. to familiarize themselves with all
rules and regulations regarding the sale and presentations for sale of
Franchises in all states that they intend to sell Franchises. This includes
all Federal, State and Local rules and laws concerning Franchises and sales of
franchises.

     2. The I.C. shall hold WHY USA MID AMERICA harmless for any and all acts
solely committed by the I.C. that may result in litigation.

2. TERM:

A. The term of this Agreement shall be the entire period of affiliation
between the I.C. and WHY USA MID AMERICA.

B. I.C. may terminate this Agreement voluntarily upon ten (10) days written
notice.

C. WHY USA MID AMERICA may terminate this Agreement only upon occurrence of
fraud, misrepresentation or failure to comply with our minimum sales quotas,
and, minimum continuing obligations and training as outlined later in this
agreement.

3.  DUTIES AND OBLIGATIONS OF INDEPENDENT CONTRACTOR:

A. To register with WHY USA MID AMERICA for each state in which they will be
selling franchises.

B. Always offers an offering circular when required by law.

C. To solicit offices, which are not, Franchises unless they have a written
invitation from office requesting information on WHY USA Franchises.

D. To Set up their own appointments, follow up appointments and proceed to
counties, cities and areas that they have WHY USA MID AMERICA approval to sell
in.

<PAGE>

E. Give a written report within approximately 48 hours on each presentation
that they give setting forth date, place, and person I.C. spoke with and their
interpretation of the possible results. WHY USA MID AMERICA may contact
prospect for purposes of validation. WHY USA MID AMERICA may review contacts
contacted with I.C. for purposes of helping I.C. improve their sales results,

F.   I.C. agrees, to perform at all times the services contemplated hereunder
in a manner which will maintain and increase rather than diminish the goodwill
and reputation of WHY USA MID AMERICA, and shall do nothing to disturb or
devalue these interests or to bring discredit upon WHY USA MID AMERICA.

G.  I.C. shall Pay for, at his or her expense a personal automobile, gasoline,
entertainment expenses, medical insurance, auto insurance, personal insurance
and all other business expenses. The minimum amounts of liability insurance to
be maintained in force and effect with respect to auto insurance are $100,000
for any one Person $300,000 each occurrence and property damage of $20,000.

H.  I.C. agrees to abide by all policies and procedures established by WHY USA
MID AMERICA concerning sale and possible sale of Franchises.
I.C. will attend a franchise sales class and will attend at least 50% of
regional meetings given in his or her area.

     1. I.C. must contact each of their offices by phone at least once a month
and must visit each office at least once every 180 days.

J.  I.C. must provide at least two training sessions for their new office on
how to present the WHY USA program unless this provision is waived in writing
by WHY USA MID AMERICA.

4. MINIMUM QUOTAS:

Iit is a requirement for each I.C. to sell and maintain a minimum of seven
franchises within, the first 3 1/2 years of signing their contract:

           FIRST YEAR........................... 2
           SECOND YEAR.......................... 2
           THIRD YEAR........................... 2
           FIRST HALF OF FOURTH YEAR............ 1
           ---------------------------------------
                                           TOTAL 7

A.  If I.C. maintains the quota, 100% of money due will be paid. However, if
I.C. falls behind after year one, WHY USA MID AMERICA will take over I.C.
services to any franchisees I.C. may have sold, and I.C. will then be given
50% of the fees owing to I.C. for one year. This gives I.C. one year to catch
up. At the end of year two if I.C. is caught up for previous years and the
present year's quota, I.C. will be reinstated to 100% fees and commissions
owed. Any franchises I.C. sells during second year it is behind on quotas,
I.C. will receive the regular thirty (30%) percent commission on franchise
sales, plus fifty (50%) percent of the transaction fees percentage I.C. would
have earned for the year. The reason is to give I.C. a chance to catch up on
quotas without having to do any servicing. I.C. can spend its resources
selling and not servicing. I.C. can spend its

<PAGE>

resources selling and not servicing. I.C. will be required to do salesperson
training, however, after two sales as stated earlier. If I.C. does not catch
up to the minimum quotas by the end of year two this Agreement will be
canceled for non-fulfillment of Agreement. If I.C. does not sell at least one
franchise within twelve (12) months of signing this Agreement, this Agreement
will then become null and void.

5. COMPENSATION:

A. I.C. will receive thirty (30%) percent of all collected franchise fees and
thirty (30%) percent of all collected transaction fees, for as long as I.C.
sells their minimum quotas and services their franchisees as outlined in

B. Neither WHY USA MID AMERICA or I.C. shall be liable to the other party for
any commissions or transaction fees not actually paid to and received by WHY
USA MID AMERICA.

SECTION 3. DUTIES AND OBLIGATIONS

6. TAXES AND BENEFITS:

Independent Contractor, is a self-employed individual, and shall be solely
responsible for the payment of it's own state and federal income tax and self-
employment tax. WHY USA MID AMERICA shall not under any circumstances withhold
and pay, or be responsible to withhold and pay to the appropriate government
agency, such taxes. I.C. shall not be entitled to retirement benefits, fringe
benefits, workman's compensation coverage as set forth in A.R.S. Sec. 23-910,
or other insurance benefits which may be provided to employees of WHY USA MID
AMERICA. I.C. will make its own arrangements for payment of hospital and
medical costs in connection with any injury or illness.

7.  EXECUTION OF INSTRUMENTS:

Except as otherwise provided in this paragraph, I.C. shall have no authority
to negotiate for, bind, obligate or commit WHY USA MID AMERICA by any promise
or representation, unless specifically authorized by WHY USA MID AMERICA in
writing.

8. EXPENSES:

Except as otherwise specifically agreed in writing by WHY USA MID AMERICA,
I.C. shall be responsible for all expenses incurred in connection with the
performance of its duties and responsibilities hereunder.

9. COMMISSION DISPUTES:

Any disputes between I.C. and any other independent contractor associated with
WHY USA MID AMERICA as to any commission or expense payable to or by said
parties shall be resolved by WHY USA MID AMERICA. Any decision of WHY USA MID
AMERICA  as to any such matter shall be binding and conclusive on the parties
and WHY USA MID AMERICA shall have no liability to any such party, or anyone
claiming through such party, for any amount paid to another in accordance with
such decision of WHY USA MID AMERICA.

<PAGE>

10. LITIGATION:

Subject to the terms of Paragraph 9 above, in the event any transaction in
which the I.C, is involved results in a dispute, litigation or legal expense
involving WHY USA MID AMERICA, WHY USA MID AMERICA and the I.C. shall share
all expenses connected therewith in the same proportion as they would normally
share the commission resulting from such transaction if there were no dispute
or litigation. I.C. shall fully cooperate with WHY USA MID AMERICA with
respect to any disputed matters. WHY USA MID AMERICA, in it's sole discretion,
may determine whether or not any litigation or dispute shall be prosecuted,
defended, compromised, or settled, the terms and conditions of any such
compromise or settlement, and whether or not legal expense shall be incurred,
provided, however, that no compromise or settlement requiring the payment of
money or anything of value by the I.C. shall be accepted by WHY USA MID
AMERICA without the written consent of the I.C.  WHY USA MID AMERICA shall
have the right to select legal counsel, and I.C. shall be required to share
the expenses of counsel selected by WHY USA MID AMERICA.

11. COVENANT NOT TO COMPETE:

A. I.C. acknowledges that during the performance of his duties hereunder, he
will have been exposed to, have had access to and otherwise will be trained in
utilizing marketing programs and techniques which have been developed by WHY
USA  MID AMERICA and/or which are unique to the real estate industry
including, but not limited to, the WHY USA 990 OPPORTUNITY Program, the 29 DAY
FAST SALE Program, and the like (hereinafter the "proprietary programs"). I.C.
acknowledges that WHY USA MID AMERICA has a protected interest in having I.C.
restrained from utilizing these proprietary programs and techniques in
competition with WHY USA MID AMERICA for a reasonable period of time following
termination of this Agreement.

Accordingly, I.C. agrees that for a period of two (2) years, within Ramsey
County, or any other county of any state in which there is a WHY USA office
following termination of this Agreement, I.C. shall not compete with WHY USA
MID AMERICA either directly or indirectly, in any capacity either as owner,
agent, independent contractor, employee, consultant, or otherwise by utilizing
WHY USA MID AMERICA, proprietary programs or programs similar thereto in the
real estate business or any other business.

B. Since a breach of the provisions of this section of this Agreement could
not adequately be compensated by money damages, WHY USA MID AMERICA shall be
entitled, in addition to any other right to remedy available to it at law or
equity, to an injunction restraining the breach or threatened breach and to
specific performance of any provision of this section of this Agreement.

C. If the scope of any provision of this paragraph, or of this Agreement is
found by any Court to be too broad to permit enforcement to its full extent,
then such provision shall be enforced to the maximum extent permitted by law.
The parties agree that the scope of any provision of this Agreement may be
modified by a judge in any proceeding to enforce this Agreement, so that such
provision can be enforced to the maximum extent permitted by law. If any
provision of this Agreement is found to be invalid or unenforceable for any
reason it shall not affect the validity of the remaining provisions of this
Agreement.

<PAGE>

12. ASSIGNMENT:

This Agreement may not be assigned in whole or in part by I.C., except upon
WHY USA MID AMERICA prior written consent, but may be assigned by WHY USA MID
AMERICA to any successor to it's business, in whole or in part, without the
consent of I.C.

13. NOTICE:

Any notice required to be given under the provisions of this Agreement shall
be given in writing by registered or certified mail, addressed as follows:

BROKER:  WHY USA Mid America Development Corporation, A Minnesota Corporation
         P.O. Box 744
         Fergus Falls, MN 53638-0744

INDEPENDENT CONTRACTOR:  Jerry Jarvis
                         2516 White Bear Ave. # 265
                         Maplewood, MN 55109

or to such other address as either party hereto shall designate by such
notice. Any such notice given hereunder shall be effective as of the time it
is received in the case of delivery, or is deposited in the United States mail
in the case of mailing.

14. AMENDMENTS AND GOVERNING LAWS:

This Independent Contractor Agreement together with any supplements signed by
the parties contains the entire agreement of the parties. It may be changed
only in writing signed by both parties. This Agreement shall be governed in
all respects, whether as to validity, construction, capacity, performance, or
otherwise, by the laws of the State of Minn.

A. Following termination, I.C. shall not be entitled to receive any
commissions or other compensation on any other transactions, regardless of
I.C.'s involvement with such transactions, unless otherwise provided pursuant
to WHY USA MID AMERICA standard policies and procedures.

B. I.C. agrees to immediately deliver all "proprietary information" in his
possession or subject to his control to a designated representative of WHY USA
MID AMERICA.  I.C. also acknowledges that all other files maintained by it in
connection with the performance of its services for WHY USA MID AMERICA belong
to WHY USA MID AMERICA. Said files shall be retained by WHY USA MID AMERICA
but I.C. at it's expense, may make copies of any materials included in said
files, other than materials that constitute proprietary information within the
meaning of Paragraph 11.

<PAGE>

15. LEGAL CONSTRUCTION:

Should any portion or provision of this Agreement be deemed invalid or void at
law, this Agreement shall be construed as though such provision or portion has
not been inserted herein and the remainder of this Agreement shall remain in
full force and effect. Titles to paragraphs used in this Agreement are for
convenience only and shall not be construed as part of this Agreement.

16. GENDER:

The use of the masculine gender or "it" or "it's" herein is utilized for
convenience only and shall include the neuter and feminine when appropriate.

IN WITNESS WHEREOF, the parties have executed this Agreement as of the day and
year first written above.

" Mid America"                            "I.C."
WHY USA MID AMERICA DEVELOPMENT CORP      INDEPENDENT CONTRACTOR

By: /s/ Dale A. Erks                      By: /s/ Jerry Jarvis
    ---------------------                    -------------------
      Signature                                   Signature

 Dale A. Erks                              Jerry Jarvis
 -----------------------                   ---------------------
 Printed Name                              Printed Name
 WHY USA MID AMERICA DEVELOPMENT CORP      Independent Contractor

                                              Jerry Jarvis
                                              2515 White Bear Ave. #265
                                              Maplewood, MN 55109
Mid America ICA
Revised 3/98<Letterhead of WHY USA
NORTH AMERICA
appears here>

March 13, 2000

Marvin G Hansen
11196 Scott Road
Arbor Vitae, WI 55456-0890

Dear Marvin,

This is to formally offer you the position as Regional Sales Representative
for WHY USA North America, Inc. servicing the Wisconsin and Michigan areas.
These states are considered "protected" territory and franchise sales closed
by anyone in this territory will be considered sold by Marvin G. Hansen. <A
hand written note is inserted here saying "except Dale Erks in Wisc" and
initialed by the parties.>

As per our discussions, we offer a starting salary of $461.54 per pay period,
which occurs on a bi-weekly basis and, commission on sales. Commission will be
paid out as follows: commissions would be $2,750.00 each plus 1,000 shares of
stock. In addition should you sell 10 units in the first year, the company
will issue to you a $10,000 bonus in cash or stock.  This could be
reconfigured each year. We will also cover your business expenses up to $1,400
per month which you will need to document by receipts and a WHY USA expense
sheet. Items covered under the heading of expenses include travel by auto or
air, phone service and calls, office supplies, lodging, meals and business
entertainment. Travel by auto will need to be recorded by odometer readings
and will be reimbursed at the currently allowed IRS rate WHY USA North
America, Inc. will also pay 1/2 of your current monthly medical/dental premium
until WHY USA offers its own group insurance plan.

In addition to the wage, commission and expenses we will make available a
401(k) product at the company's discretion which will be unmatched by the
company. Also as per our discussion, the standard the standard holidays and
days of vacation will be covered under fringe benefits.

In the event that WHY USA North America, Inc. buys, or merges with United
Country Real Estate, we will pay you $500 cash or stock bonus for any offices
that convert to WHY USA upon their first anniversary of conversion.

I believe this to cover all the pertinent items, and look forward to your
review. I will send a hard copy for original signatures that we both
understand and agree to the above.  Look forward to having you as part of the
WHY USA team.

Sincerely,

/s/ David 0. Thomas
David 0. Thomas
President

cc: Don Riesterer, Northwest Financial Group
    File

I have reviewed the above offer and accept it. I will confirm my start date,
which I anticipate as March 15, 2000 upon notification of my current employer.

/s/ Marvin Hansen
Marvin Hansen

<PAGE>

<Letterhead of
WHY USA
NORTH AMERICA
appears here>

October 28, 1999

Donna Dwyer-VanZandt
1108 Joy Dr.
Waco, Texas 76708

Re: Regional Sales Representative Employment Offer

Dear Donna,

This is to formally offer you the position as Regional Sales Representative
for WHY USA North America, Inc.  servicing the state of Texas.

As per our discussions we offer a starting salary of $2,500.00 per pay period
which occurs on a bi-weekly basis and commission on sales. Commission will be
paid out as follows: for the first five units sold commission would be $2K
each. The second five would be at $2,500 and the third five and all subsequent
sales at $3K. This could be reconfigured each year. In addition we offer an
amount up to $2,000 per month to cover expenses which you will need to
document by receipts and an expense sheet. Items covered under the heading of
expenses include travel by auto or air, phone service and calls, office
supplies, lodging and meals. We will also provide you with a company owned
laptop computer.

In addition to the wage, commission and expenses we will make available a
401(k) product at the companies discretion which will be unmatched by the
company. Also as per our discussion the standard holidays and fifteen days of
vacation will be covered under fringe benefits.

I believe this to cover all the pertinent items, and look forward to your
review. I will send a hard copy for original signatures that we both
understand and agree to the above. Look forward to having you as part of the
WHY USA team.

Sincerely,

/s/ David O. Thomas
David 0. Thomas
President

Cc: file

I have reviewed  the above offer and accept it. I will confirm my start date
upon notification of my current employer.

/s/ Donna Dwyer VanZandt
Donna Dwyer VanZandt

<PAGE>
<Letterhead of WHY USA North America, Inc. appears here>

July 11, 2000

Ms. Donna Dwyer
1108 Joy Drive
Waco, TX 76708

Dear Donna:

This letter is to confirm our phone conversation regarding the change in your
compensation package.

I apologize for the error that has occurred with the paycheck to be issued
this week. The adjustments submitted to payroll were incorrect. I have
requested an adjustment from payroll in the amount of $96.15 that will show on
the paycheck issued on 7/28/00.

Effective July 1, 2000 the following changes will be implemented:

        *    Your salary will be reduced to $1250.00 per pay period, which
             occurs on a bi-weekly basis.

        *    Your commission schedule for franchise units sold will be as
             follows:

               1st five units sold - $3500 each
               2nd five units sold - $4000 each
               3rd five and all subsequent sales - $4500 each

        *   In the event you have not sold a unit by July 31, 2000, the salary
            of $1250.00 will be eliminated and compensation will be received
            only in the event of a franchise sale.

I believe this to cover all the pertinent items. If you should have any
further questions or concerns, please feel free to contact me.

Sincerely,

Jay Luck Director of Sales and Marketing
Each Office Independently Owned and Operated

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