Document:

SETTLEMENT AGREEMENT AND RELEASE

     THIS AGREEMENT, is made and entered into by and between David A. Windhorst,
an individual  ("Windhorst" or "Plaintiff") on the one hand, and Universal Money
Centers,  Inc.,  a  Missouri  corporation  ("Company"),  and  David  Bonsal,  an
individual (said individual  together with Company are hereinafter  collectively
referred to as "Defendants").

     WHEREAS,  Windhorst is plaintiff and  Defendants  are defendants in certain
litigation now pending in the District Court of Johnson County, Kansas, Case No.
00CV05475 (hereinafter referred to as the "Litigation");  and WHEREAS, Windhorst
claims in said  Litigation,  inter alia,  the right to certain stock of Company;
and

      WHEREAS, Defendants deny plaintiff's allegations; and

     WHEREAS,  the parties wish to settle and  compromise  all claims alleged in
the Litigation and any additional claims plaintiff may have;

     NOW,  THEREFORE,  in  consideration  of the mutual  promises and  covenants
herein contained, and for other good and valuable consideration, the sufficiency
of which is hereby acknowledged, the parties agree as follows:

     1. On or before Friday,  April 19, 2002, Windhorst shall be paid the sum of
$72,000 in  certified  funds made  payable to  Windhorst  and his  attorneys  of
record.

     2. Upon  tender of the  consideration  referred  to in  paragraph  1 above,
Windhorst  shall execute and file a Stipulation  For Dismissal With Prejudice of
the Litigation,  providing that each party shall bear its own costs, in the form
of Exhibit A attached hereto.

     3. On or  before  his  receipt  of the  funds  described  in  paragraph  1,
Windhorst shall deliver to Company all certificates representing shares of stock
owned by him in Company  and shall  deliver  stock  powers for said  shares duly
endorsed  (hereinafter the "Other Shares").  Windhorst shall also deliver a duly
endorsed  stock power and/or  disclaimer  of interest as to the 50,000 shares of
Company stock  tendered to him on or about July 12, 2000.  Upon delivery of said
certificates  and powers,  Windhorst shall have no right,  title and interest in
Company.  The parties agree to execute such  additional  documents and take such
further actions as shall be necessary and appropriate to carry out provisions of
this Agreement.

     4. As a material  inducement to  Defendants  to enter into this  Settlement
Agreement,  Windhorst  represents  and warrants that he is the sole owner of the
Other Shares and that no other person has any right,  title or interest therein,
and that  said  shares  are free and  clear  from all  liens  and  encumbrances.
Windhorst  further  represents and warrants that he has full right and authority
to convey such shares.

                                       1
<PAGE>

     5.  Defendants  will pay the fee of the mediator for the mediation  held on
March 27, 2002.

     6. The parties agree that the sum of $10,000 of the  consideration  recited
in paragraph 1 is in lieu of 25,000 shares of stock in Company;  that the sum of
$3,438 is for  redemption  of the Other  Shares;  and the sum of  $58,562 is for
Windhorst's  release of all rights and claims,  as a shareholder  and otherwise,
against Company.

     7. Effective upon receipt of the consideration  referred to in paragraph 1,
Windhorst hereby releases and forever discharges  Defendants,  and each of them,
as well as their members, officers, directors, shareholders,  employees, agents,
representatives,  and attorneys,  all persons who at any time were defendants in
the  litigation,  all persons or entities  affiliated with any of the foregoing,
and all  others  liable or who may be liable on behalf of any of the  foregoing,
from all  actions,  causes of  action,  suits,  claims,  covenants,  agreements,
damages and  demands  whatsoever,  whether in an  individual  or  representative
capacity, that now exist or may hereafter accrue, known or unknown, in law or in
equity,  which arise from or are based upon or connected  with the Litigation or
any of the claims asserted  therein or which might have been asserted therein or
from any  facts  whatsoever  occurring  from the  beginning  of time to the date
hereof.  It is  expressly  understood  that the  foregoing  release  will become
effective   and  operative   immediately   upon   Windhorst's   receipt  of  the
consideration   described  in  paragraph  1  and  that  no  further   action  or
documentation of same on the part of any person or entity is required.

     8. Windhorst warrants that no promise or inducement has been offered to him
except  as set  forth in this  Agreement  and that this  Agreement  is  executed
without  reliance upon any statement or  representation  of any party,  or their
representative,  attorneys  or agents  concerning  the  nature and extent of the
damages or the legal  liability  therefor  or any other  matter;  and that he is
legally competent and authorized to execute this Agreement.

     9.  Windhorst  acknowledges  and warrants that he has been  represented  by
independent  counsel throughout all negotiations which preceded the execution of
this Agreement and that he has reached this Agreement with full understanding of
its terms,  and that his attorneys have explained to his  satisfaction  each and
all of the  agreements,  terms and  legal  effect  of those  terms,  and that he
executes  this  Agreement  upon  the  advice,  consent  and  approval  of  their
attorneys.

     10.  The terms of this  Agreement  shall be  binding  upon and inure to the
benefit of the successors, assigns and personal representatives of Plaintiff and
Defendants.

     11.  This  Agreement   contains  the  entire  agreement  and  understanding
concerning  the subject  matter hereof  between the parties,  and supersedes and
replaces all prior negotiations,  proposed agreements,  and agreements,  oral or
written.  Windhorst acknowledges that no party to this Agreement or any agent or
attorney of any party to this Agreement has made any promise, representation, or
warranty  whatever,  expressed or implied,  not  contained  in this  document to
induce any party to this Agreement to execute this Agreement.

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<PAGE>
     12.  The waiver by any party of any breach of any  covenant,  agreement  or
undertaking  contained herein shall be made only by written waiver in each case.
No waiver of any breach of any  covenant,  agreement  or  undertaking  contained
herein shall operate as a waiver of any prior or  subsequent  breach of the same
covenant,  agreement  or  undertaking  or as a waiver of any breach of any other
covenant,  agreement or undertaking. In the case of a breach by any party of any
covenant,  agreement or undertaking,  the  nonbreaching  party may  nevertheless
accept from the other any performance  without waiving its right to exercise any
such breach which was in existence at the time such  performance was accepted by
it. No failure of any party to exercise any power given herein or to insist upon
strict  compliance of any covenant,  agreement or undertaking  contained  herein
shall  constitute a waiver of such  parties'  rights to demand exact  compliance
with the terms hereof.

     13. This  Agreement is made under and shall in all respects be governed and
interpreted by the laws of the State of Missouri.

     14. It is expressly  agreed and understood  that neither this Agreement nor
any of
the terms or provisions constitute an admission of liability on the part of any
party hereto, all liability being expressly denied.

Approved:                                      "Windhorst"
Attorneys' Fee Lien/Claim Released
                                                /s/ David A. Windhorst
                                               --------------------------------
/s/ Gary A. Schafersman                             David A. Windhorst
--------------------------------
Gary A. Schafersman
Joel I. Krieger
Wallace, Saunders, Austin,
Brown & Enochs, Chartered .
10111 West 87th St.
Overland Park, KS 66282

Attorneys for Windhorst

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<PAGE>

                                              "Defendants"

ATTEST:                                       Universal Money Centers, Inc.

/s/ Pamela A. Glenn
-------------------------------               By: /s/ David S. Bonsal
Corporate Secretary                              ---------------------------
                                                    David Bonsal,
                                                    Chief Executive Officer

                                              /s/ David S. Bonsal
                                              ------------------------------
                                              David Bonsal<PAGE>

EXHIBIT 4.1

                              CONSULTING AGREEMENT

           THIS CONSULTING AGREEMENT (the "Agreement") is made on May 8, 2002
between iLive, Inc. (the "Company") and Mark Moline ("Consultant") and is
effective on May 13, 2002.

                                 R E C I T A L S
                                 ---------------

         A. Consultant has extensive experience in graphics, media design, and
advertising and the Company seeks to benefit from Consultant's expertise by
retaining Consultant as the Company's exclusive Media Designer pursuant to the
terms of this Agreement.

         B. Consultant wishes to provide consulting services for the Company
pursuant to the terms of this Agreement.

         NOW, THEREFORE, in consideration of the mutual covenants hereinafter
stated, the Company and Consultant agree as follows:

         1. APPOINTMENT. The Company hereby engages Consultant and Consultant
agrees to render services to the Company as a consultant upon the terms and
conditions hereinafter set forth.

         2. SERVICES. During the term of this Agreement, Consultant shall
provide advice, graphic design, and consulting services to the Company with
respect to matters related to the digital advertising of content, and the
Company's website located at www.ilive.com. In addition, upon request by the
Company, Consultant shall keep the Company informed about applications,
features, and specifications in the area of advertising and marketing of the
Company's streaming content which may broaden or change from time to time.

         3. COMPENSATION. As full consideration for the consulting services to
be provided by Consultant during the term of this Agreement, the Company shall
immediately issue to Consultant 1,100,000 shares of the Company's common stock.
Consultant, in providing the foregoing services, shall be reimbursed by the
Company for any pre-approved out-of-pocket costs, including, without limitation,
travel, lodging, telephone, postage and Federal Express charges.

         4. COMPETITION. Consultant represents to the Company that Consultant
does not have any agreement to provide consulting services to any other party,
firm, or company in the streaming media or encoding industry on matters relating
to the scope of this consultancy, and will not enter into any such agreement
during the term of this Agreement.

         5. CONFIDENTIALITY. Consultant acknowledges that certain information
elements (the "Information Elements") provided and to be provided by the Company
are or may be significantly strategically important and, therefore, constitute
trade secrets for purposes of this Agreement. During the term of this Agreement
and for a further period of twelve (12) months following the termination
thereof, Consultant undertakes to do the following in favor of the Company,
except for Information Elements which are posted on the Company's Website and
those Information Elements forming part of the public domain.

                  (a) Consultant shall keep the Information Elements
confidential and not disclose same;

                  (b) Consultant shall take and implement all appropriate
measures to preserve the confidential nature of the Information Elements;

                  (c) Consultant shall not communicate, transmit, exploit or
otherwise use the Information Elements whether for its own behalf or on behalf
of third parties; and

<PAGE>

                  (d) Consultant shall take all appropriate measures to ensure
that its partners, shareholders, directors, representatives, agents,
mandataries, officers, employees and related persons maintain the confidential
nature of the Information Elements for the Company's exclusive benefit.

         6. RETURN OF MATERIALS. The Consultant agrees to promptly return,
following the termination of this Agreement or upon earlier request by the
Company, all software, computer files, database information, and video materials
in Consultant's possession supplied by the Company in conjunction with
Consultant's consulting services under this Agreement or generated by Consultant
in the performance of consulting services under this Agreement.

         7. TERM AND TERMINATION.

                  (a) This Agreement shall be for a term of six (6) months,
renewable upon reasonable terms and conditions as may be agreed upon by the
Company and Consultant.

                  (b) Termination of the Agreement under this paragraph shall
not affect the Company's obligation to pay for services previously performed by
Consultant or expenses reasonably incurred by Consultant for which Consultant is
entitled to reimbursement under paragraph 3, above.

         8. MISCELLANEOUS.

                  (a) This Agreement shall inure to the benefit of and be
binding upon the respective heirs, executors, successors, representatives, and
assigns of the parties, as the case may be.

                  (b) The relationship created by this Agreement shall be that
of independent contractor, and Consultant shall have no authority to bind or act
as agent for the Company or its employees for any purpose.

                  (c) The Company will not use Consultant's name in any
commercial advertisement or similar material used to promote or sell products,
unless the Company obtains in advance the written consent of Consultant.

                  (d) Notice or payments given by one party to the other
hereunder shall be in writing and deemed to have been properly given or paid if
deposited with the United States Postal Service, registered or certified mail,
addressed as follows:

                                        iLive, Inc.
                                        2102 Business Center Drive
                                        Irvine, California  92612

                                        Mark Moline
                                        ______________________
                                        ______________________

                  (e) This Agreement replaces all previous agreements and the
discussions relating to the subject matters hereof and constitutes the entire
agreement between the Company and Consultant with respect to the subject matter
of this Agreement. This Agreement may not be modified in any respect by any
verbal statement, representation, or agreement made by any employee, officer, or
representative of the Company, or by any written documents unless it is signed
by an officer of the Company and by Consultant.

                  (f) If any term or provision of this Agreement is deemed
invalid, contrary to, or prohibited under applicable laws or regulation of any
jurisdiction, this Agreement shall be interpreted as if such invalid agreements
or covenants were not contained herein.

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<PAGE>

                  (g) It is the intention of the parties hereto that this
Agreement and the performance hereunder and all suits and special proceedings
hereunder be construed in accordance with and pursuant to the laws of the State
of California and that in any action, special proceeding or other proceeding
that may be brought arising out of, in connection with, or by reason of this
Agreement, the laws of the State of California, without regard to conflicts of
law principles, shall be applicable. The parties agree to submit all litigation
arising hereunder to the state or federal courts located in Orange County,
California and consent to the jurisdiction and venue of such courts and further
waive any objection that such courts are inconvenient forum.

           IN WITNESS WHEREOF, the parties have executed this Agreement
effective the date first stated above.

                                              ILIVE, INC.

                                              By: /S/ Scott Henricks
                                                  ------------------------------
                                                    Scott Henricks, President

                                              CONSULTANT

                                              By: /S/ Mark Moline
                                                  ------------------------------
                                                    Mark Moline

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