Document:

<PAGE>   1

                                                                   EXHIBIT 10.10

                          FINANCIAL ADVISORY AGREEMENT

         This Agreement is made and entered into as of the 28th day of February,
2000, between Corpas Investments, Inc. (the "Company") and D.R.F.W. Group, Inc.
(the "Financial Advisor").

                              W I T N E S S E T H:

         WHEREAS, The Company is seeking certain financial advice regarding
business and financing activities; and

         WHEREAS, the Financial Advisor is willing to furnish certain business
and financial related advice and services to the Company on the terms and
conditions hereinafter set forth.

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

         1. PURPOSE. The Company hereby engages the Financial Advisor on a
non-exclusive basis for the term specified in this Agreement to render financial
advisory consulting advice to the company relating to financial and similar
matters upon the terms and conditions set forth herein.

         2. DUTIES OF THE FINANCIAL ADVISOR. During the term of this Agreement,
the Financial Advisor will provide the Company with consulting advice as
specified below at the request of the Company, provided that the Financial
Advisor shall not be required to undertake duties not reasonably within the
scope of the consulting advisory service in which the Financial Advisor is
engaged generally. in performance of these duties, the Financial Advisor shall
provide the Company with the benefits of its best judgment and efforts, and the
Financial Advisor cannot and does not guarantee that its efforts will have any
impact on the business of the Company or that any subsequent improvement will
result from the efforts of the Financial Advisor. it is understood and
acknowledged by the parties that the value of the Financial Advisor's advice is
not measurable in any quantitative manner, and that the amount of time spent
rendering such consulting advice shall be determined according to the Financial
Advisor's discretion.

         The Financial Advisor's duties shall include, but will not necessarily
be limited to, rendering the following services to the Company:

                  (a) Study and review the business, operations, and historical
         financial performance of the Company (based upon management's forecast
         of financial performance) so as to enable the Financial Advisor to
         provide advice to the Company;.

                  (b) Assist the Company in attempting to formulate the optimum
         strategy to meet the Company's working capital and capital resources
         needs;

                  (c) Assist in the formulation of the terms and structure of
         any reasonable proposed private placement equity or private placement
         debt financing transaction involving the Company ("Transaction");

                  (d) Assist in any presentation to the Board of Directors of
         the Company, as requested, in connection with a proposed Transaction;
         and

                  (e) Advise the Company as to the expected reaction of the
         financial community to any Transaction and assist in determining the
         optimum means of communicating the pertinent aspects, such as strategic
         considerations, benefits to the Company and financial impact, to the
         financial community.

<PAGE>   2

         3. TERM. The term of this Agreement shall be for one (1) year
commencing from the date of this Agreement ("Commencement Date,); provided,
however, that this Agreement may be renewed or extended upon ouch terms and
conditions as may be mutually agreed upon by the parties hereto.

         4. FINANCIAL ADVISORY FEE. Upon the execution of this Agreement, the
Company shall sell to the Financial Advisor and/or persons designated by the
Financial Advisor ("holders"), for an aggregate purchase price of ten dollars
($10), Common Stock Purchase Warrants (the "Warrants") for the purchase of an
aggregate of 500,000 shares of the Company's Common Stock at exercise prices as
reflected below:

<TABLE>
<CAPTION>
                 NUMBER OF WARRANTS                      EXERCISE PRICE
                 ------------------                      --------------
<S>                                                      <C>
                       300,000                                $1.00
                       100,000                                $2.00
                       100,000                                $4.00
</TABLE>

         The Warrants may be exercised in whole or in part, at any time, and
from time to time, during the five (5) year period following the date of this
Agreement.

         In the event the shares of common stock underlying the Warrants (the
"Shares") are not registered under the Securities Act of 1933, as amended (the
"Act") when exercised and issued, the certificates representing the Shares shall
bear the following legend;

         The securities represented by this certificate may not be offered or
         sold except pursuant to (i) an effective registration statement under
         the Act, (ii) to the extent applicable, Rule 144 under the Act (or any
         similar rule under such Act relating to the disposition of securities),
         or (iii) an opinion of counsel, if such opinion shall be reasonably
         satisfactory to counsel to the issuer, that an exemption from
         registration under such Act and applicable state securities laws is
         available.

         If at any time after the date of this Agreement, the Company shall
register any of its securities or securities of selling stockholders for sale
pursuant to a Registration Statement under the Act, or file a Notification on
Form 1-A, or otherwise register securities under the Act (collectively the
"Registration Documents"), the Company shall be required to register all 500,000
Shares by offering all of the holders of the Warrants and/or the Shares the
opportunity to register the Shares without cost to the holders thereof, except
for costs of brokerage commissions and costs of any counsel to the holders. In
connection with these registration rights, the Company shall give all of the
holders of the Warrants and/or Shares notice by certified or registered mail,
return receipt requested, at least twenty (20) business days prior to the filing
of such Registration Document, of the Company's intent to register the Shares.
The Company agrees to periodically advise the holders of the status of the
Registration Statement, and the effective date of the registration statement. In
addition, the Company agrees to deliver copies of the final prospectus to each
of the holders.

         If during the period for two (2) years from the date of this Agreement,
the Company shall subsequently register any of its securities or securities of
selling stockholders for sale pursuant to a Registration Statement under the
Act, or file a Notification on Form 1-A, or otherwise register securities under
the Act (collectively the "Subsequent Registration Documents"), other than
under a Registration Statement pursuant to Form S-4 or S-8, and the holders
still own any Warrants and/or Shares, the Company shall be required to offer all
of such holders of the Warrants and/or the Shares the opportunity to. register
the Shares without cost to the holders thereof, except for coats of brokerage
commissions and/or costs counsel to such holders. In connection with these
piggyback registration rights, the Company shall give all of the holders of the
Warrants and/or Shares notice by certified or registered mail, return receipt
requested, at least twenty (20) business days prior to the filing of each such
Registration Document. If the Financial Advisor and/or such holders of the
Warrants and/or Shares notify the Company within fifteen (15) days after receipt
of any such notice of its or their desire to include any of such Shares in such
proposed Subsequent Registration Documents, the Company shall afford the
Financial Advisor and such holders of such Warrants and/or Shares the
opportunity to have any Shares registered under such Registration Documents.

<PAGE>   3

         In connection with any registration filed pursuant to Subsequent
Registration Documents pursuant to this Section 4 involving an underwritten
offering, if the managing underwriter or underwriters advise the Company in
writing that, in its or their opinion, the number of Shares requested to be
included in such registration would have a material adverse effect on such
offering (including, without limitation, a material decrease in the price at
which such securities can be sold), then the amount of Shares included in the
offering shall be reduced and the Shares and the other securities to be offered
shall participate in such offering as follows: (i) securities to sold by the
Company shall have priority over all securities to offered by stockholders of
the Company, including the Holders and (ii) if securities in the excess of the
Company's securities can, in the good faith judgment of such managing
underwriter or underwriters, successfully be marketed in such offering, the
Shares and the other securities to be offered by stockholders of the Company,
including the Holders, shall be included in such offering, subject to reduction
pro rata in proportion to the number of securities proposed to be included in
such offering by the Holders and other stockholders (based on underlying numbers
of shares of Common Stock).

         During such time as the Warrants are outstanding, the Company agrees
not to merge, reorganize, or take any action which would terminate the Warrants
without first making adequate provisions for the Warrants and Shares. other
terms regarding the rights of the holders of the Warrants are included in the
Warrant Certificate to be issued pursuant to this paragraph.

         In addition, as further compensation for the financial services
provided pursuant to this Agreement, the Company agrees to pay to the Financial
Advisor an aggregate of $200,000, Such funds shall be payable at the rate of
$40,000 per month for five (5) months, and the initial payment shall be due on
the first day of the month following the date of this Agreement. The remaining
four (4) payments shall be due an the first day of each successive month after
the date of the initial payment.

         5. FINANCING FEE. In the event the Financial Advisor introduces, or
otherwise participate in effecting a Financing for the Company in a public debt
and/or equity transaction, pursuant to which the Company obtain financing or
other consideration, the Financial Advisor shall receive a Financing Fee in
addition to the Financial Advisory Fee and any other fee to be received pursuant
to this Agreement, which shall be mutually determined between the Company and
the Financial Advisor at the time of any such Financing.

         6. INDEMNIFICATION. In the performance of its services, the Financial
Advisor shall be obligated to act only in good faith, and shall not be liable to
the Company for errors in judgment not the result of willful misconduct. The
Company shall indemnify and hold harmless the Financial Advisor against any and
all liabilities, claims, lawsuits, including any and all awards and/or judgments
to which it may become subject under the Act, the Securities Exchange Act of
1934, as amended (the "1934 Act") or any other federal or state statute, at
common law or otherwise, insofar as said liabilities, claims and lawsuits
(including costs, expenses, awards and/or judgments) arise out of or are in
connection with the services rendered by the Financial Advisor or any
transactions in connection with this Agreement, except for any liabilities,
claims and lawsuits (including awards and/or judgments), arising out of illegal
acts, willful misconduct or willful omissions of the Financial Advisor. In
addition, the Company shall also indemnify and hold harmless the Financial
Advisor against any and all reasonable costs and expenses incurred relating to
the foregoing.

         The Financial Advisor shall give the Company prompt notice of any such
liability, claim or lawsuit which the Financial Advisor contends is the subject
matter of the company's indemnification and the Company thereupon shall be
granted the right to take any and all necessary and proper action, at its sole
cost and expense, with respect to such liability, claim and lawsuit, including
the right to settle, compromise and dispose of such liability, claim or lawsuit,
excepting therefrom any and all proceedings or hearings before any regulatory
bodies and/or authorities.

         The Financial Advisor shall indemnify and hold the Company harmless
against any and all liabilities, claims and lawsuits, including any and all
awards and/or judgments to which it may become subject under the Act, the 1934
Act or any other federal or state statute, at common law or otherwise, insofar
as said liabilities, claims and lawsuits (including costs, expenses, awards
and/or judgments) arising out of or are based upon illegal acts, willful
misconduct or willful omissions of the Financial Advisor. in addition, the
Financial Advisor shall also indemnify

<PAGE>   4

and hold the Company harmless against any and all reasonable costs and expenses
incurred relating to the foregoing.

         The Company shall give the Financial Advisor prompt notice of any such
liability, claim or lawsuit which the Company contends is the subject matter of
the Financial Advisor's indemnification and the Financial Advisor thereupon
shall be granted the right to take any and all necessary and proper action, at
its sole cost and expense, with respect to such liability, claim and lawsuit,
including the right to settle, compromise or dispose of such liability, claim or
lawsuit, excepting therefrom any and all proceedings or hearings before any
regulatory bodies and/or authorities.

         7. THE FINANCIAL ADVISOR AS AN INDEPENDENT CONTRACTOR. The Financial
Advisor shall perform its services hereunder as an independent contractor and
not as an employee of the Company or an affiliate thereof. It is expressly
understood and agreed to by the parties hereto that the Financial Advisor shall
have no authority to act for, represent or bind the Company or any affiliate
thereof in any manner, except as may be agreed to expressly by the Company in
writing from time to time.

         8. Miscellaneous.

         (a) This Agreement between the Company and the Financial Advisor
constitutes the entire agreement and understanding of the parties hereto, and
supersedes any and all previous agreements and understandings, whether oral or
written, between the parties with respect to the matters set forth herein.

         (b) Any notice or communication permitted or required hereunder shall
be in writing and shall be deemed sufficiently given if hand-delivered or sent
postage prepaid by certified or registered mail, return receipt requested, to
the respective parties as set forth below, or to such other address as either
party may notify the other in writing:

                  If to the Company:                 Ross Love, President
                                                     Corpas Investments, Inc.
                                                     2931 Third Street
                                                     Santa Monica, CA  90405

                  If to the Financial Advisor:       Glenn Desort, President
                                                     D.R.F.W. Group, Inc.
                                                     1041 Boca Cove Lane
                                                     Highland Beach, FL  33487

         (c) This Agreement shall be binding upon and inure to the benefit of
each of the parties hereto and their respective successors, legal
representatives and assigns.

         (d) This Agreement may be executed in any number of counterparts, each
of which together shall constitute one and the same original document.

         (e) No provision of this Agreement may be amended, modified or waived,
except in a writing signed by all of the parties hereto.

         (f) This Agreement shall be construed in accordance with and governed
by the laws of the state of Florida, without giving effect to conflict of law
principles. The parties hereby agree that any dispute which may arise between
them arising out of or in connection with this Agreement shall be adjudicated
before a court located in Palm Beach County, Florida, and they hereby submit to
the exclusive jurisdiction of the courts of the State of Florida located in Palm
Beach County, Florida and of the federal courts in the Southern District of
Florida with respect to any action or legal proceeding commenced by any party,
and irrevocably waive any objection they now or hereafter may have respecting
the venue of any such action or proceeding brought in such a court or respecting
the fact that such court is an inconvenient forum, relating to or arising out of
this Agreement, and consent to the

<PAGE>   5

service of process in any such action or legal proceeding by means of registered
or certified mail, return receipt requested, in care of the address set forth in
sub-paragraph (b) above.

         (g) This Agreement has been duly authorized, executed and delivered by
and on behalf of the Company and the Financial Advisor.

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

                                    Very truly yours,

                                    CORPAS INVESTMENTS, INC.

                                    By: /s/ Ross Love
                                        ----------------------------------------
                                        Ross Love, President

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

                                    By: /s/ Glenn Desort
                                        ----------------------------------------
                                        Glenn Desort, President<PAGE>   1
                                                                   EXHIBIT 10.11

--------------------------------------------------------------------------------
                              1301 York Road o Suite 400 o Lutherville, MD 21093
                        Tel: (410) 321-1799 o Fax: (410) 321-1753 o 888-301-6271
                                                               www.cfgstocks.com

                              CONSULTANT AGREEMENT

         Columbia Financial Group is an investor relations, direct marketing,
publishing, public relations and advertising firm with expertise in the
dissemination of information about publicly traded companies. Also in the
business of providing investor relations services, public relations services,
publishing, advertising services, fulfillment services, as well as Internet
related services.

         Agreement made this 15th day of November, 1999, between Corpas
Investments, Inc. (hereinafter referred to as "Corporation"), and Columbia
Financial Group, Inc. (hereinafter referred to as "Consultant", (collectively
referred to as the "Parties"):

                                    RECITALS:

         The Corporation desires to engage the services of the Consultant to
perform for the Corporation consulting services regarding all phases of the
Corporation's "Investor Relations" to include direct investor relations and
broker/dealer relations as such may pertain to the operation of the
Corporation's business.

         The Consultant desires to consult with the Board of Directors, the
Officers of the Corporation, and certain administrative staff members of the
Corporation, and to undertake for the Corporation consultation as to the
company's investor relations activities involving corporate relations and
relationships with various broker/dealers involved in the regulated securities
industry.

                                    AGREEMENT

         1.       The respective duties and obligations of the contracting
                  Parties shall be for a period of twelve (12) months commencing
                  on the date first appearing above. This Agreement may be
                  terminated by either parties only in accordance with the terms
                  and conditions set forth in Paragraph 8.

                         SERVICES PROVIDED BY CONSULTANT

         2.       Consultant will provide consulting services in connection with
                  the Corporation's "investor relations" dealings with NASD
                  broker/dealers and the investing public. (At no time shall the
                  Consultant provide services which would require Consultant to
                  be registered and licensed with any federal or state
                  regulatory body or self-regulating agency.) During the term of
                  this Agreement, Consultant will provide those services
                  customarily provided by an investor relations firm to a
                  Corporation, including but not limited to the following:

                                      -1-
<PAGE>   2

                            COLUMBIA FINANCIAL GROUP

                  (a)      Aiding the Corporation in developing a marketing plan
                           directed at informing the investing public as to the
                           business of the Corporation; and

                  (b)      Providing assistance and expertise in devising an
                           advertising campaign in conjunction with the
                           marketing campaign as set forth in (1) above; and

                  (c)      Advise the Corporation and provide assistance in
                           dealing with institutional investors as it pertains
                           to the Corporation's offerings of its securities; and

                  (d)      Aid and assist the Corporation in the Corporation's
                           efforts to secure "market makers" which will trade
                           the Corporation's stock to the public by providing
                           such information as may be required; and

                  (e)      Aid and advise the Corporation in establishing a
                           means of securing nationwide interest in the
                           Corporation's securities; and

                  (f)      Aid and assist the Corporation in creating an
                           "institutional site program" to provide ongoing and
                           continuous information to fund managers; and

                  (g)      Aid and consult with the Corporation in the
                           preparation and dissemination of press releases and
                           news announcements; and

                  (h)      Aid and consult with the corporation in the
                           preparation and dissemination of all "due diligence"
                           packages requested by and furnished to NASD
                           registered broker/dealers, the investing public,
                           and/or other institutional and/or fund managers
                           requesting such information from the Corporation.

                                  COMPENSATION

         3.       In consideration for the services provided by Consultant to
                  the Corporation, the Corporation shall on behalf of the
                  Consultant caused to be vested, (hereinafter "delivered") at
                  the signing of this Agreement 25% or one-quarter of the
                  warrants as set forth below, and the balance of the warrants
                  will be delivered on or before the beginning of the third
                  quarter of the Agreement. All such warrants delivered shall
                  have a term of five years and shall have preferred, "piggy
                  back" registration rights. The warrants shall be issued at the
                  following exercise price:

                             100,000 warrants at $12.00 per share.
                             100,000 warrants at $15.00 per share.
                             100,000 warrants at $18.00 per share.

                                      -2-
<PAGE>   3

                            COLUMBIA FINANCIAL GROUP

                                   COMPLIANCE

         4.       At the time consultants give notice to the Company or
                  execution of the Warrants referred to in #3, Compensation
                  above, common share underlying the warrants, delivered by
                  Corporation to Consultant will, at that particular time be fee
                  trading, or if not, the shares shall be incorporated in the
                  next registration statement filed by the Corporation. The
                  warrants shall have "piggy back" registration rights and will,
                  at the expense of the Corporation, be included in said
                  registration statement in a timely manner.

                          REPRESENTATION OF CORPORATION

         5.       (a). The Corporation, upon entering this Agreement, hereby
                  warrants and guarantees to the Consultant that to the best
                  knowledge of the Officers and Directors of the Corporation,
                  all statements, either written or oral, made by the
                  Corporation to the Consultant are true and accurate, and
                  contain no misstatements of a material fact. Consultant
                  acknowledges that estimates of performance made by Corporation
                  are based upon the best information available to Corporation
                  officers at the time of said estimates of performance. The
                  Corporation acknowledges that the information it delivers to
                  the Consultant will be used by the Consultant in preparing
                  materials regarding the Company's business, including but not
                  necessarily limited to, its financial condition, for
                  dissemination to the public. Therefore, in accordance with
                  Paragraph 6, below, the Corporation shall hold harmless the
                  Consultant from any and all errors, omissions, misstatements,
                  except those made in a negligent or intentionally misleading
                  manner in connection with all information furnished by
                  Corporation to Consultant.

                  (b). Consultant shall agree to release information only with
                  written or verbal approval of the company.

         6.
                  Corpas Investments, Inc.

                  1.  Authorized: _______ shares
                  2.  Issued: ________ shares
                  3.  Outstanding: _______ shares
                  4.  Free trading (float): ______ shares (approx.)
                  5. Shares subject to Rule 144 restrictions: _________ shares
                     (approx.)

                                      -3-
<PAGE>   4

                            COLUMBIA FINANCIAL GROUP

                                LIMITED LIABILITY

         7.       With regard to the services to be performed by the Consultant
                  pursuant to the terms of this Agreement, the Consultant shall
                  not be liable to the Corporation, or to anyone who may claim
                  any right due to any relationship with the Corporation, for
                  any acts or omissions in the performance of services on the
                  part of the Consultant, except when said acts or omissions of
                  the Consultant are due to its willful misconduct or culpable
                  negligence.

                                   TERMINATION

         8.       This Agreement may be terminated by either party upon the
                  giving of not less than thirty (30) days written notice,
                  delivered to the parties at such address or addresses as set
                  forth in Paragraph 9, below. In the event this Agreement is
                  terminated by the Cooperation, compensation paid by
                  Corporation pursuant to paragraph 3 above, to the Consultant
                  to the date of termination (or through the end of the month
                  during which notice of termination is delivered). In the event
                  this Agreement is terminated by consultant, compensation shall
                  be reimbursed to Corporation as follows:

         The Agreement will be divided into four equal quarters. If termination
occurs within the first quarter or initial ninety (90) days of the Agreement,
the Consultants will have no obligation to return any of the initial
compensation of the contract pursuant to paragraph 3 above. Each and every
subsequent quarter of the Agreement will have an equal amount of compensation.
If termination occurs within any quarter of the Agreement, the Consultants will
return a pro rata amount based on a 90 day quarter.

         The valuation of said shares for purposes of repayment of shares, shall
be the bid price of said shares as of the date shares are tendered back to the
Corporation. If there is no bid price, then the price shall be agreed to, by
separate writing to be determined by the parties upon the execution of this
agreement.

                                     NOTICES

         9.       Notices to be sent pursuant to the terms and conditions of
                  this Agreement, shall be sent as follows:

         Timothy J. Rieu                                Ross Love
         Columbia Financial Group, Inc.                 Corpas Investments, Inc.
         1301 York Road, Ste. 400                       171 Pier Avenue, # 352
         Lutherville, Maryland 21093                    Santa Monica, CA 90405

                                      -4-
<PAGE>   5

                            COLUMBIA FINANCIAL GROUP

                                 ATTORNEY'S FEES

         In the event any litigation or controversy, including arbitration,
arises out of or in connection with this Agreement between the Parties hereto,
the prevailing party in such litigation, arbitration or controversy, shall be
entitled to recover from the other party or parties, all reasonable attorney's
fees, expenses and suit costs, including those associated within the appellate
or post-judgment collections proceedings.

                                   ARBITRATION

         10.      In connection with any controversy or claim arising out of or
                  relating to this Agreement, the Parties hereto agree that such
                  controversy shall be submitted to arbitration, in conformity
                  with the Federal Arbitration Act (Section 9 U.S. Code Section
                  901 et seq), and shall be conducted in accordance with the
                  Rules of the American Arbitration Association. Any judgment
                  rendered as a result of the arbitration of any dispute herein,
                  shall upon being rendered by the arbitrators be submitted to a
                  Court of competent jurisdiction with the State of Maryland, if
                  initiated by Consultant, or in the State of California if
                  initiated by the Corporation.

                                  GOVERNING LAW

         11.      This Agreement shall be construed under and in accordance with
                  the laws of the State of California, and all parties hereby
                  consent to California as the proper jurisdiction for said
                  proceeding provided herein.

                                  PARTIES BOUND

         12.      This Agreement shall be binding on and inure to the benefit of
                  the contracting parties and their respective heirs, executors,
                  administrators, legal representatives, successors, and assigns
                  when permitted by this Agreement.

                               LEGAL CONSTRUCTION

         13.      In case any one or more of the provisions contained in this
                  Agreement shall for any reason be held to be invalid, illegal,
                  or unenforceable in any respect, the invalidity, illegality,
                  or unenforceability shall not affect any other provision, and
                  this Agreement shall be construed as if the invalid, illegal,
                  or unenforceable provision had never been contained in it.

                           PRIOR AGREEMENTS SUPERSEDED

         14.      This Agreement constitutes the sole and only Agreement of the
                  contracting parties and supersedes any prior understandings or
                  written or oral agreements between the respective parties.
                  Further, this Agreement may only be modified or changed by
                  written agreement signed by all the parties hereto.

                                      -5-
<PAGE>   6

                            COLUMBIA FINANCIAL GROUP

                  MULTIPLE COPIES OR COUNTERPARTS OF AGREEMENT

         15.      The original and one or more copies of this Agreement may be
                  executed by one or more of the parties hereto. In such event,
                  all of such executed copies shall have the same force and
                  effect as the executed original, and all of such counterparts
                  taken together shall have the effect of a fully executed
                  original. Further, this Agreement may be signed by the parties
                  and copies hereof delivered to each party by way of facsimile
                  transmission, and such facsimile copies shall be deemed
                  original copies for all purposes if original copies of the
                  parties' signatures are not delivered.

                       LIABILITY OF MISCELLANEOUS EXPENSES

         16.      The Corporation shall be responsible to any miscellaneous fees
                  and costs approved in writing prior by the Corporation or its
                  agents to commitment that are unrelated to the agreement made
                  between the Parties.

                                    HEADINGS

         17.      Headings used throughout this Agreement are for reference and
                  convenience, and in no way define, limit or describe the scope
                  or intent of this Agreement or effect its provisions.

         IN WITNESS WHEREOF, the Parties have set their hands and seal as of the
date written above.

                                          BY: /s/
                                              ----------------------------------
                                              Timothy J. Rieu, President
                                              Columbia Financial Group, Inc.

                                          BY: /s/ Ross Love
                                              ----------------------------------
                                              Ross Love
                                              Corpas Investments, Inc.

                                      -6-

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}]]