Document:

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                                                                   Exhibit 10.15

             THE MARKED PORTIONS OF THIS AGREEMENT HAVE BEEN OMITTED
              AND FILED SEPARATELY WITH THE COMMISSION PURSUANT TO
                      A REQUEST FOR CONFIDENTIAL TREATMENT

                     Interactive Television System Agreement

      This Interactive Television System Agreement (this "Agreement") is made as
of the 20th day of February, 2001 (the "Effective Date") by and between Allin
Interactive Corporation ("Allin") with its principal business address located at
400 Greentree Commons, 381 Mansfield Avenue, Pittsburgh, PA 15220 and Carnival
Cruise Lines ("CCL"), a division of Carnival Corporation with its principal
business address located at 3655 NW 87th Avenue, Miami, Florida 33178.

                                    Recitals

      WHEREAS, Allin is in the business of, among other things, designing,
developing, licensing and supporting computer software products and providing
custom software development, system planning and migration, training and other
consulting services; and

      WHEREAS, Carnival Corporation ("CC") has engaged Allin to design, develop
and install an interactive television system on certain cruise vessels that are
owned and operated by CC, its subsidiaries or affiliates, which includes,
without limitation, CCL. The design, development and installation of the System
(as defined below) shall be collectively referred to as the "Project"; and

      WHEREAS, Allin and CCL desire to enter into this Agreement to set forth
the terms and conditions which will govern the relationship between the parties
in connection with the delivery, installation and maintenance of the System.

      NOW, THEREFORE, intending to be legally bound and in consideration of the
mutual premises and obligations set forth herein, Allin and CCL agree as
follows:

      1. Definitions.
         -----------

      In addition to the initially capitalized terms elsewhere defined in this
Agreement, the following initially capitalized terms shall have the meanings as
set forth in this Section 1:

            1.1 Acceptance means acceptance of the System pursuant to Section
                ----------
4.2, 4.3(1), 4.3(2) or 4.3(3).

            1.2 Acceptance Criteria means the criteria mutually agreed upon by
                -------------------
the parties pursuant to which performance of the System will be measured.

            1.3 Acceptance Date means the date upon which acceptance of the
                ---------------
System occurs in accordance with Section 4.2 herein.

            1.4 Agreement means this Agreement and the exhibits hereto, as
                ---------
amended from time to time by mutual written agreement of the parties.
<PAGE>

            1.5 Application Software means the computer application software
                --------------------
that Allin will develop for CC pursuant to the Software Development Agreement
(as defined below). The terms "Application" and "Application Documentation"
shall have the same meanings herein as such terms are defined in the Software
Development Agreement.

            1.6 CCL Environment means and includes the hardware, software and
                ---------------
communications components, systems and other requirements required for
installation of the System on CCL's cruise vessels as set forth and described on
Schedule 1.6, as the same may from time to time hereafter be amended by the
------------
mutual agreement of CCL and Allin.

            1.7 Custom Programming means specific or customized programming,
                ------------------
interfaces and file conversions for the Application portion of the System that
Allin provides for CCL at the request of CCL, pursuant to Section 6 herein. In
addition to the object code and source code provided with any Custom
Programming, such Custom Programming will include all specification documents,
manuals, user guides, schematics, drawings, listings and standards relating
thereto.

            1.8 Deliverables means any and all items to be delivered by Allin to
                ------------
CCL under this Agreement, which includes, without limitation, the System and all
documents related thereto, manuals (including training manuals, tools and
documentation), user guides, schematics, drawings, listings and standards
relating to the System, or Allin's delivery and/or installation thereof, that
are provided to CCL by Allin or such other items that the parties agree Allin
will deliver to CCL under this Agreement.

            1.9 Equipment means collectively the hardware and equipment
                ---------
purchased by CCL from Allin in connection with the System pursuant to Section 7
herein.

            1.10 Installation Schedule means Schedule 1.10 to this Agreement
                 ---------------------       -------------
that sets forth the time line for the delivery and installation of the System
and its components on the cruise vessels of CCL that are listed on the
Installation Schedule. The Installation Schedule of this Agreement shall be
consistent with the Installation Schedule contained in the Master Agreement as
the latter relates to CCL vessels.

            1.11 Master Agreement means the agreement between CC and Allin that
                 ----------------
sets forth the general agreement between CC and Allin for the delivery and
installation of the System.

            1.12 Payment Schedule means Schedule 1.12 to this Agreement that
                 ----------------       -------------
sets forth the System Price and the payment terms relating thereto. The Payment
Schedule of this Agreement shall be consistent with the Payment Schedule
contained in the Master Agreement as the latter relates to CCL vessels. To the
extent that the parties hereto agree upon any Customer Programming the Payment
Schedule shall be amended accordingly.

            1.13 Software Development Agreement means the Software Development
                 ------------------------------
Agreement executed by Allin and CC pursuant to which CC is purchasing the
Application Software from Allin.

            1.14 Support Services means the support and maintenance services for
                 ----------------
the System that Allin will provide to CCL pursuant to Section 9.2 herein.

            1.15 System has the meaning set forth on Exhibit A.
                 ------                              ---------

            1.16 System Price means the price that CCL will pay for the delivery
                 ------------
and installation of the System as set forth in the Payment Schedule for the
cruise vessels listed on the Installation Schedule.

            1.17 System Deficiency means any deficiency that (a) causes an
                 -----------------
abnormal termination of processing by the System or that results or is likely to
result in data corruption or any other erroneous processing of a nature that has
or that reasonably may be expected to have a material adverse effect on CCL's
normal business activities or business reputation (b) is attributable to a
defect or deficiency in the Application Software, Custom Programming or other
Deliverable, or (c) otherwise causes the System not to properly operate in
conjunction with the Application Software, Custom Programming or other
Deliverable.
<PAGE>

      2. Software Development Agreement. CC is purchasing the Application
         ------------------------------
Software from Allin pursuant to the Software Development Agreement, under which
Allin will design and develop the Application Software for the benefit of CC.
The obligations of the parties under this Agreement are contingent upon
acceptance of the Application by CC. Once the Application has been accepted by
CC in accordance with the Software Development Agreement, the Application will
be included as part of the System subject to this Agreement. CCL must obtain a
license from CC to use the Application within the System pursuant to a separate
license agreement.

      3. Installation Schedule and Change Request Process.
         ------------------------------------------------

            3.1 Installation Schedule. The System and its components will be
                ---------------------
delivered and installed on the specific vessels of CCL pursuant to the
Installation Schedule and as further described in Section 4 below. The
Installation Schedule is subject to modification based upon Custom Programming
which may be requested by CCL pursuant to the change request process described
in Section 3.2 below and further subject to CCL's obligation to ensure that
CCL's environment complies with the requirements set in Schedule 1.6.
                                                        ------------

            3.2 Change Requests. For any change CCL wishes to make to the
                ---------------
Installation Schedule or for any desired Custom Programming, CCL shall notify
Allin of the requested change specifying the change with sufficient details to
enable Allin to evaluate it ("Change Request"). Change Requests shall be in
writing either using the form attached hereto as Schedule 3.2 or otherwise
                                                 ------------
providing substantially the same information. All CCL Change Requests shall be
initiated by Myles Cyr or his designee and any responses thereto by Allin shall
be directed to Mr. Cyr.

            Any Change Requests that take less than [REDACTED - CONFIDENTIAL
TREATMENT REQUESTED] hours for Allin to evaluate will be assessed at no cost to
CCL. If a Change Request will take longer than [REDACTED - CONFIDENTIAL
TREATMENT REQUESTED] hours for Allin to evaluate, Allin will submit to CCL for
its prior written approval the costs associated with such evaluation. Allin will
thereafter only proceed if CCL has approved such evaluation costs.

            Allin shall accept any Change Requests unless Allin can show that
the Change Request would be materially detrimental to the performance of the
Application, materially contrary to the Solution Vision or have a material
adverse effect on the Project Plan, or the Installation Schedule (as that term
is defined in the Master Agreement). Notwithstanding the foregoing Allin shall
have no obligation to proceed with any Change Request until the parties have
mutually agreed upon (i) the cost and payment terms associated with such Change
Request as well as, (ii) the impact that such Change Request has on the Project
Plan, Application and/or Installation Schedule, except that Allin agrees that
any cost proposals in connection with a Change Request will be reasonable and
negotiated in good faith, and will be determined in a manner consistent with the
System pricing. The provisions of this Agreement shall be deemed amended to
incorporate any mutually agreed Change Requests.

      4. System Installation, Testing and Acceptance.
         -------------------------------------------

            4.1 Installation. In accordance with the dates set forth in the then
                ------------
current Installation Schedule, Allin shall (i) deliver and install the System in
the CCL Environment, and (ii) deliver all Deliverables. In each case, Allin
shall certify the completion thereof, in writing, to CCL. Subject to CC's
ownership rights in the Application Software, title to the System shall pass to
CCL upon CCL's payment of the applicable sum owed for installation on the
applicable vessel as set forth in the Payment Schedule.

            4.2 Acceptance Testing. CCL shall have [REDACTED - CONFIDENTIAL
                ------------------
TREATMENT REQUESTED] business days following the delivery and installation of
the System (the "Acceptance Period") to test the System to ensure that it does
not contain any System Deficiencies. The Acceptance of, and the Acceptance Date
for, the System will occur upon the earlier of: (i) written notice from CCL to
Allin stating that the System meets the Acceptance Criteria, or (ii) the
expiration of the Acceptance Period without notice by CCL of nonacceptance. If
the System is not accepted, CCL shall provide written notice to Allin no later
than the last day of the Acceptance Period that describes in reasonable detail
any System Deficiency. Acceptance by CCL shall not be unreasonably withheld.
<PAGE>

      4.3 Nonacceptance. In the event that CCL does not accept the System in
          -------------
accordance with Section 4.2 above, Allin shall be given a mutually agreed upon
reasonable period of time, which shall in no event exceed [REDACTED -
CONFIDENTIAL TREATMENT REQUESTED] days, to review and correct any System
Deficiency. Allin will remedy any material failure of the System and correct any
System Deficiency. In the event that Allin cannot remedy any material failure or
correct any System Deficiency after [REDACTED - CONFIDENTIAL TREATMENT
REQUESTED] days, then CCL shall allow for one additional [REDACTED -
CONFIDENTIAL TREATMENT REQUESTED] day test period, so long as Allin provides CCL
with a written plan that describes Allin's plan to remedy the deficiencies in
the upcoming [REDACTED - CONFIDENTIAL TREATMENT REQUESTED]-day period and
summarizes its efforts in the prior [REDACTED - CONFIDENTIAL TREATMENT
REQUESTED]-day period. If the System is still not acceptable because of a
material failure or a System Deficiency after the second [REDACTED -
CONFIDENTIAL TREATMENT REQUESTED] day test period, then CCL have shall one of
the following options:

      (1)   Deem the System to work in substantial conformity with applicable
            documentation and accept the System as is; or

      (2)   Allow for one additional test period, by furnishing Allin with a
            written list specifying the remaining deficiencies in the System.
            Allin shall provide CCL with another written plan describing Allin's
            plan to remedy the deficiencies in the upcoming [REDACTED -
            CONFIDENTIAL TREATMENT REQUESTED]-day period and summarizing its
            efforts in the prior [REDACTED - CONFIDENTIAL TREATMENT
            REQUESTED]-day periods. Allin shall then have up to [REDACTED -
            CONFIDENTIAL TREATMENT REQUESTED] days from the receipt of such
            notice to attempt to remedy such defects, which, if resolved, shall
            cause CCL to accept the System in writing; or

      (3)   CCL may accept the System except for the non-conforming portions and
            receive a mutually-agreed price credit for the reasonable value of
            the non-conforming portion; or

      (4)   If the System failure is considered "catastrophic", such that the
            basic functionality of the System does not work, then CCL can
            terminate the Agreement and receive a refund of all sums paid to
            Allin, less a reasonable fee for time and materials.

      If CCL terminates in accordance with (4) above, CCL shall, within 30 days
of such termination, return the System and all Deliverables, and there shall be
no further obligation or liability on the part of either party under this
Agreement, except for obligations which have theretofore accrued and obligations
which survive termination of this Agreement.

      5. System Price and Payment.
         ------------------------

            5.1 System Price. In consideration of Allin's delivery and
                ------------
installation of the System and subject to Section 5.4 below, CCL shall pay to
Allin the System Price as set forth in, and in accordance with, the Payment
Schedule.

            5.2 Other Fees. In addition to payment for the System in accordance
                ----------
with the Payment Schedule, CCL shall pay Allin for (i) any Custom Programming at
the price mutually agreed upon for each Change Request, and/or (ii) any
additional fees assessed by Allin in evaluating Change Requests in accordance
with Section 3.2.

            5.3 Taxes. CCL shall pay any and all taxes arising out of or
                -----
relating to the transactions contemplated in this Agreement, excluding all taxes
(i) imposed on or measured by Allin's net income, taxable income, capital gains;
(ii) imposed for the privilege or on the exercise of Allin's franchise for doing
business; (iii) imposed or measured by Allin's capital, net worth, loans or
investments; or (iv) imposed or measured by Allin's gross income or gross
receipts.

            5.4 Payments. Allin will send CCL an invoice for each applicable
                --------
vessel upon Allin's completion of an appropriate milestone that triggers a
payment owed under this Agreement in accordance with the
<PAGE>

Payment Schedule. Each of the amounts payable by CCL to Allin under this
Agreement shall be due thirty (30) days after receipt of invoice. CCL's
obligation to pay for any System is contingent upon the System's acceptance by
CCL in accordance with the terms of this Agreement. CCL will not be deemed in
breach or default of this Agreement on amounts disputed in good faith by CCL if
CCL provides Allin with a detailed written description of any disputed amounts
in a timely manner.

            5.5 Expenses. CCL shall reimburse Allin for reasonable and
                --------
documented out of pocket business expenses (travel, food, lodging, etc.)
incurred by Allin personnel when they are working on the delivery and
installation or for Allin personnel who are based outside of the South Florida
area when attending meetings that are called at the request of CCL. CCL must
approve in advance any Allin personnel who will provide services or attend any
meeting. Allin will submit any proposed travel requests to CCL and CCL may at
its discretion make travel arrangements on behalf of Allin (air, lodging and car
rental) or at its discretion will provide reasonably suitable onboard
accommodations on the applicable cruise vessel during installation of the System
as required to install the System. Additional travel expenses will be presented
to CCL with supporting documentation for reimbursement.

      6.  Custom Programming.
          ------------------

            6.1 If CCL desires to obtain any Custom Programming for the System,
CCL shall follow the Change Request Process set forth in Section 3.2 above.

            6.2 Notwithstanding the foregoing, any Custom Programming, including
but not limited to, all object code and source code shall be deemed work for
hire and shall belong exclusively to CCL in accordance with Section 10.

            6.3 Any Custom Programming will be subject to all of the terms and
conditions of this Agreement, including, without limitation, the provisions of
Acceptance Testing and Warranties.

      7. Equipment.

            7.1 Purchase of Equipment. In connection with the System, CCL shall
                ---------------------
purchase from Allin the Equipment set forth in Schedule 7.1 (as such schedule
                                               ------------
may be modified from time to time by mutual written agreement of the parties).
The purchase price of such Equipment is included within the System Price.

            7.2 Title. Allin shall sell and pass title to the Equipment to CCL
                -----
proportionately upon payment of the System Price from time to time pursuant to
Section 10.2 herein. Allin shall deliver title to Equipment free and clear of
all liens and encumbrances, excepting those of parties claiming through CCL.

            7.3 Shipping. CCL shall pay for the transportation charges for the
                --------
Equipment (including but not limited to freight, rigging, and transit insurance)
and the installation charges invoiced to Allin by suppliers of the Equipment.

      8. Delivery and Site Responsibilities. CCL shall be responsible for
         ----------------------------------
preparing and maintaining the location of the CCL Environment and ensuring the
CCL Environment is ready for the System at the time of installation. Except as
set forth in Section 7.1 above, any equipment, cable, software, devices or other
items necessary for the installation and operation of the System in the CCL
Environment shall be purchased and installed by CCL. CCL is solely responsible
for its use of the System and for the accuracy and adequacy of information and
data furnished for processing.

      9.  Support Services and Warranties.
          -------------------------------

            9.1 Warranty of Performance.
                -----------------------

                  (a) Allin warrants for a period of ninety (90) days following
date that CCL accepts the System in accordance with this Agreement (the
"Warranty Period"), that the System and any Custom Programming
<PAGE>

when operated on properly functioning Equipment and in the proper environment
shall perform substantially in accordance with applicable documentation and
without any System Deficiencies. During the Warranty Period, Allin shall correct
failures of the System to perform as specified above.

                  (b) For all Equipment, Allin shall pass through to CCL all
assignable warranties received from the Equipment manufacturers.

            9.2 Support Services.
                ----------------

                  (a) During the Warranty Period, for support services which are
not covered by the warranty of performance pursuant to in Section 9.1 above, CCL
will pay Allin for any such support services on a time and materials basis.

                  (b) Commencing on the first day following the expiration of
the Warranty Period and continuing for a period of six (6) months (the "Initial
Support Period") CCL shall pay to Allin $[REDACTED - CONFIDENTIAL TREATMENT
REQUESTED] per month per cruise ship (the "Monthly Support Payment"). Payment by
CCL of each Monthly Support Payment shall entitle CCL to [REDACTED -
CONFIDENTIAL TREATMENT REQUESTED] hours of support services from Allin to be
used by CCL as it deems appropriate for support of the System on its cruise
lines. Subject to CCL's payment of the monthly Support Payment and any
additional amounts due under this Section 9.2(b), Allin will provide the level
of support services set forth on Schedule 9.2(b). CCL agrees to pay to Allin on
                                 ---------------
a time and materials basis at an hourly rate of $[REDACTED- CONFIDENTIAL
TREATMENT REQUESTED] for support services provided by Allin in excess of the
aggregate number of monthly hours CCL is entitled to receive for its Monthly
Support Payment(s).

                  Prior to the expiration of the Initial Support Period, the
parties agree to meet and discuss in good faith the then current levels and
prices of Support Services to determine whether CCL desires that the level of
Support Services be revised and the appropriate fee changes relating thereto.
Notwithstanding the foregoing, Customer shall have the right at the end of the
Initial Support Period to terminate support services by providing Allin with
thirty (30) days prior written notice.

            9.3 Further Warranties.
                ------------------

                  (a) All services to be provided by Allin under this Agreement
shall be performed in a competent and workmanlike manner by employees or
contractors that have the proper skills, training and background to perform such
services.

                  (b) Allin will deliver all Deliverables to CCL free and clear
of any liens, charges, encumbrances, and no other person or entity shall have
any claim or ownership with respect to the Deliverables. CCL will be able to use
the Deliverables without restriction, subject to CCL's payment in full of all
amounts payable by CCL to Allin for the Deliverables.

                  (c) Allin warrants that is has not purposely placed, nor is it
aware of, any disabling code in the System or Custom Programming which would,
without CCL's intervention, alter, destroy, adversely affect or inhibit the
System or Custom Programming or CCL's use thereof.

                  (d) To the best of Allin's knowledge, no existing or
threatened proceedings against Allin will have a material adverse effect upon
its ability to perform its obligations under this Agreement.

                  (e) Allin warrants it is duly authorized by all requisite
action to execute, deliver and perform its obligations under this Agreement.
<PAGE>

            9.4 Warranties of CCL
                -----------------

                  (a) CCL warrants that it will provide Allin with reasonable
access to CCL's employees, facilities and information as may be reasonably
requested by Allin in connection with the performance of Allin's services under
this Agreement.

                  (b) To the best of CCL's knowledge no existing or threatened
proceedings will have a material adverse effect upon its ability to perform its
obligations under this Agreement.

                  (c) CCL warrants it is duly authorized by all requisite action
to execute, deliver and perform its obligations under this Agreement.

THE WARRANTIES IN THIS SECTION, ALONG WITH THE WARRANTIES SET FORTH IN THE
SOFTWARE DEVELOPMENT AGREEMENT AND THE MASTER AGREEMENT, ARE IN LIEU OF ALL
OTHER WARRANTIES, EXPRESS OR IMPLIED, WHETHER ARISING BY COURSE OF DEALING OR
PERFORMANCE, CUSTOM, USAGE IN THE TRADE OR PROFESSION OR OTHERWISE, INCLUDING,
BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE. ALLIN DOES NOT WARRANT THAT THE SYSTEM OR CUSTOM PROGRAMMING
WILL BE ERROR FREE. Except for the warranties expressly set forth in this
Section, CCL acknowledges and agrees that it has relied on no other
representations or warranties and that no other representations or warranties
have formed the basis of its bargain hereunder.

      10. Ownership Rights of Deliverables
          --------------------------------

            10.1 CCL IP. Except as specified in Section 10.2 below and subject
                 ------
to CCL's payment of amounts due from CCL to Allin for the Deliverables, all
Deliverables including, but not limited to, all object code and source code
shall be deemed work for hire and shall belong exclusively to CCL; with vesting
of CCL's ownership occurring, from time to time, in proportion to the percentage
of the System purchase price plus other payments due to Allin hereunder paid by
Customer at any given time. Allin expressly, knowingly, voluntarily, absolutely,
unconditionally and forever waives and relinquishes in its entirety all rights
to claim authorship of the Deliverables, any portion thereof and/or any
derivative works based on the Deliverables. CCL shall have the right to apply
for and obtain patents, copyrights and other applicable formal means of
recognition of exclusive rights to the Deliverables. Whenever requested so to do
by CCL, and without further compensation or consideration, but at the expense of
CCL, Allin shall promptly execute and assign any and all applications,
assignments and other instruments which CCL shall reasonably deem necessary in
order to apply for and obtain any such desired patents, copyrights or similar
rights, or in order to assign and transfer to CCL or its nominee the
applications for patents thereof. Notwithstanding anything to the contrary in
this Agreement. Allin will not be precluded from using its pre-existing
expertise and techniques or the Residual Information (as defined below) in the
field of information technology consulting and integration for itself or for
other customers. The term "Residual Information" shall mean information relating
to ideas, concepts and techniques which are related to Allin's business
activities and which are retained in the memories of individual employees
without the aid of any document or other recorded or stored information.

            10.2 Non-CCL IP
                 ----------

                  (a) CCL's ownership of the Deliverables shall not include (i)
the Application, as this will be owned by CC but licensed to CCL, (ii) any third
party software or other technology which is owned by any third party including,
but not limited to, software and/or technology owned by On-Command which may be
incorporated into any Deliverable ("Third Party IP") or (iii) any third party
software or other technology which is developed by Allin outside the scope of
the Project or relates to skills and knowledge of a general nature acquired by
Allin in course of its performance of the services under this Agreement or any
Residual Information (as defined above) (collectively, the "Allin IP").

                  (b) With respect to any Deliverables which incorporate either
Third Party IP or Allin IP, Allin will grant or will cause to be granted to CCL
a non-exclusive, perpetual license to use the Third Party IP and/or the Allin IP
in connection with the Deliverables. While the foregoing Third Party IP is
subject to such
<PAGE>

additional terms and conditions which may reasonably be required by the third
party owning such Third Party IP, in no event will CCL be responsible to pay any
additional sums in connection therewith. Further, Allin shall inform CCL as soon
as practicable of any third party requirements. Notwithstanding the foregoing,
no right or license is granted or will be granted to CCL to use the Allin IP or
the Third Party IP as a standalone product.

      11. Termination.
          -----------

            11.1 Without prejudice to any other remedy, either party may
terminate this Agreement at any time upon thirty (30) days prior written notice
to the other party in the event that the other party shall have breached any of
its material obligations under this Agreement and shall not have cured such
default prior to the expiration of the thirty (30) day period.

            11.2 Either party shall have the right to immediately terminate this
Agreement by giving written notice to the other party in the event:

                  (i) of the bankruptcy or assignment for the benefit of
creditors of the other party; or

                  (iii) that the other party ceases its on-going business
operations; or,

                  (iii) in the case of CCL, in the event of breach by Allin of
the Software Development Agreement or the Master Agreement, and in the case of
Allin in the event of breach by CC of the Software Development Agreement or the
Master Agreement.

            11.3 The parties' may also terminate this Agreement at any time upon
mutual written agreement of the parties.

            11.4 The parties' rights of termination under this Section are
without prejudice to any other remedies available to either party.

      12. Non-Solicitation/Restriction on Hiring. In recognizing the high cost
          --------------------------------------
of attracting, training, and retaining qualified technical personnel, each party
agrees not to recruit for employment or hire any employee of the other party or
any of its affiliates, or anyone who has been an employee of the other party or
any of its affiliates during the term of this Agreement and for six (6) months
following the termination of this Agreement, without, in each instance,
receiving the prior written consent of the other party.

      13. Independent Contractor. Allin shall operate as an independent
          ----------------------
contractor in the performance of this Agreement and not as an agent or employee
of CCL. Each party shall ensure that neither it nor its agents or employees
shall act or hold themselves out as agents or employees of the other party.
Allin shall have complete control of its agents and employees engaged in the
performance of services under this Agreement. As between Allin and CCL, each
party will be responsible for the supervision, direction and control of its own
personnel and the personnel of any subcontractors or other third parties engaged
by that party in connection with this Agreement.

      14. Confidentiality. Allin agrees that all information which relates in
          ---------------
any way to CCL's business or operations, whether tangible or intangible and in
whatever form or medium, including, but not limited to, information relating to
CCL's current or contemplated operations; identity of suppliers of goods and/or
services; trade secrets (including any improvements thereto), whether in
development, prototype or finished form and whether patentable or not; computer
programs and computer aided designs; vendor pricing to CCL; all financial,
personnel, and other business data of CCL; and unpublished or published
copyrighted materials, including any improvements, modifications, or additions
to any of the above information, and other information identified as
confidential by the CCL, are confidential information of CCL ("CCL Confidential
Information"). CCL agrees that Allin's proprietary software, tools and other
methodologies, pricing information and any other information identified as
confidential by Allin, are confidential information of Allin ("Allin
Confidential Information"). CCL Confidential Information and Allin Confidential
Information are collectively referred to as "Confidential Information." Except
as otherwise provided herein each party shall use Confidential Information of
the other party which is disclosed to it only for purposes of this Agreement and
shall not disclose such Confidential Information to any third party, without the
other party's written consent, other than to each other's employees on a
need-to-know basis. Each party agrees to take
<PAGE>

measures to protect the confidentiality of the other's Confidential Information
that, in the aggregate, are no less protective than those measures it uses to
protect the confidentiality of its own Confidential Information, but at a
minimum, each party shall take reasonable steps to advise their employees of the
confidential nature of the Confidential Information and the prohibitions on
copying or revealing such Confidential Information contained herein.
Notwithstanding anything to the contrary contained in this Agreement, neither
party shall be obligated to treat as confidential, or otherwise be subject to
the restrictions on use, disclosure or treatment contained in this Agreement
for, any information disclosed by the other party (the "Disclosing Party")
which: (i) is rightfully known to the recipient prior to its disclosure by the
Disclosing Party; (ii) is generally known or easily ascertainable by non-parties
of ordinary skill in computer or process design or programming or in the
business of CCL; (iii) is released by the Disclosing Party to any other person,
firm or entity (including governmental agencies or bureaus) without restriction;
(iv) is independently developed by the recipient without any reliance on
Confidential Information; or (v) is or later becomes publicly available without
violation of this Agreement or may be lawfully obtained by a party form any
nonparty. CCL and Allin agree that neither party may disclose the fact that the
parties are engaged in the Project with the other party, the details related to
the type and scope of the Project or the existence of this Agreement or the
terms hereof without the prior written approval of the other party and the
parties agree that the financial terms of this Agreement are to be treated as
Confidential Information.

      Notwithstanding anything to the contrary herein, either party or any
affiliate or designated agent of such party may make any public disclosure which
it believes in good faith to be required by law or by the terms of any listing
arrangement with a securities exchange or securities trading system. No party
may issue a press release regarding this Agreement or the association of the
parties without the prior review by, and written approval of, the other party.

      Each party acknowledges that a violation of the restrictions contained in
this Section 14 will likely result in irreparable harm to the other party which
cannot be adequately compensated by money damages. Accordingly, each party
agrees that, in the event of an actual or threatened violation of this Section
14, the other party will be entitled to temporary and permanent injunctive
relief without the necessity of posting a bond or other security. In any event,
whether or not injunctive relief is sought or granted, the parties seeking
relief may recover monetary damages and any and all other relief to which they
may be entitled.

      15. Insurance. CCL and Allin each shall, at all times maintain
          ---------
Comprehensive General Liability Insurance against any and all claims and losses
arising out of their respective performance under this Agreement, with limits of
not less than $3,000,000 in the aggregate and of not less than $1,000,000 per
occurrence, and shall provide Workmens' Compensation Insurance in accordance
with all applicable laws and shall maintain employer's liability insurance with
limits of not less than $1,000,000 per occurrence, covering any occurrences not
covered by Workmens' Compensation Insurance.

      16. Limitation of Liability. EXCEPT FOR (i) EACH PARTY'S RESPECTIVE
          -----------------------
EXPRESS INDEMNITY OBLIGATIONS UNDER THIS AGREEMENT, AND (ii) GROSS NEGLIGENCE OR
DAMAGES RESULTING FROM A PARTY'S WILLFUL MISCONDUCT:

      (a)   NEITHER PARTY NOR THEIR AFFILIATES SHALL HAVE ANY LIABILITY FOR
            CONSEQUENTIAL, INCIDENTAL, INDIRECT, PUNITIVE, EXEMPLARY, OR SPECIAL
            DAMAGES OF ANY NATURE OR TYPE WHATSOEVER, OR FOR ANY MALFUNCTIONS,
            DELAYS, LOSS OF DATA, LOSS OF PROFIT, INTERRUPTION OF SERVICE OR
            LOSS OF BUSINESS OR ANTICIPATORY PROFITS, EVEN IF IT HAS BEEN
            ADVISED OF THE POSSIBILITY OF SUCH DAMAGES,

      (b)   NOR SHALL ALLIN OR ITS AFFILIATES, UNDER ANY CIRCUMSTANCES, BE
            LIABLE TO CUSTOMER OR ITS AFFILIATES FOR ANY CLAIM BASED UPON ANY
            THIRD PARTY CLAIM, AND

      (c)   THE COLLECTIVE AND ENTIRE LIABILITY OF EITHER PARTY AND ITS
            AFFILIATES FOR ANY REASONS AND UPON ANY CAUSE OF ACTION OR CLAIM IN
            CONTRACT, STATUTE, WARRANTY, TORT, NEGLIGENCE, MISREPRESENTATION,
            FAILURE TO
<PAGE>

            EXERCISE DUE CARE, STRICT LIABILITY, OR OTHERWISE SHALL BE LIMITED,
            TO SIX MILLION DOLLARS ($6,000,000).

      NO CAUSE OF ACTION WHICH ACCRUED FOR MORE THAN TWO YEARS PRIOR TO THE
FILING OF A SUIT ALLEGING SUCH CAUSE OF ACTION MAY BE ASSERTED AGAINST EITHER
PARTY OR ITS AFFILIATES.

      THE PARTIES TO THIS AGREEMENT UNDERSTAND AND AGREE THAT THE LIMITATIONS
AND EXCLUSIONS SET FORTH HEREIN REPRESENT THE PARTIES' AGREEMENT AS TO THE
ALLOCATION OF RISK LIMITATIONS AND EXCLUSIONS BETWEEN THE PARTIES IN CONNECTION
WITH THIS AGREEMENT. THE FEES PAYABLE TO ALLIN HEREUNDER REFLECT, AND ARE SET IN
RELIANCE UPON, THE ALLOCATION OF RISK SET FORTH HEREIN AND THE EXCLUSION OF
CONSEQUENTIAL DAMAGES AND LIMITATIONS OF LIABILITY SET FORTH IN THIS AGREEMENT.

      17. General Indemnification. Each party (an "Indemnifying Party") agrees
          -----------------------
to indemnify and hold harmless the other, its affiliates and its and their
partners, principals, officers, directors, agents and employees (collectively,
the "Indemnified Parties"), from and against any and all actions, damages,
claims, liabilities, costs, expenses, or loses (including, without limitation,
reasonable legal fees and expenses) brought against, incurred by, or paid by any
of the Indemnified Parties, for bodily injury, death, or damage to tangible
personal property at CCL's facilities during the term of this Agreement
(collectively, the "Injury Claims") to the extent caused by the negligent acts
or omissions or tortious misconduct of the Indemnifying Party or any of its
employees or agents in the performance of this Agreement (but expressly
excluding Injury Claims actually or alleged to have resulted from CCL's use of
or reliance upon any Application Deliverable(s) or other materials provided by
Allin under this Agreement) or either party's breach of any material obligation,
representation, warranty, covenant or agreement under this Agreement.

      18. Intellectual Property Indemnification. In addition to Allin's general
          -------------------------------------
indemnification obligations set forth above, Allin shall defend CCL from and
against any allegation that any Deliverable or part thereof infringes or
misappropriates any copyright, patent, trade mark, trade secret or other
intellectual property or proprietary right of an unaffiliated third party, and
shall indemnify and hold harmless CCL from and against, and shall pay all
losses, damages, liabilities, claims and actions and all related expenses
(including, but not limited to, reasonable attorneys' fees and expenses and the
actual costs of litigation) incurred in connection therewith Allin's actions
under this Section shall constitute CCL's exclusive remedy related to
infringement.

      19. Indemnity Procedures. The indemnities in the foregoing Sections are
          --------------------
contingent upon: (i) the indemnified party promptly notifying the indemnifying
party in writing of any claim which may give rise to a claim for indemnification
hereunder, (ii) the indemnifying party being allowed to control the defense and
settlement of such claim, and (iii) the indemnified party cooperating with all
reasonable requests of the indemnifying party (at the indemnifying party's
expense) in defending or settling such claim. The indemnified party shall have
the right, at its option and expense, to participate in the defense of any
action, suit or proceeding relating to such a claim through a counsel of its own
choosing.

      20. Dispute Resolution. In the event that any dispute arises relating to
          ------------------
this Agreement, the parties shall provide written notice to a senior executive
of the other party describing the dispute. If within twenty (20) business days
following receipt of such written notice the dispute cannot be resolved by the
parties, then the parties hereto may seek any and all legal remedies to which
they may be entitled, without any limitation.

      21. Notices. Unless otherwise provided herein, any notice required to be
          -------
given by one party to the other shall be in writing and shall be deemed given
when delivered personally or mailed by certified or registered mail, postage
prepaid (such mailed notice to be effective on the date which is three (3)
business days after the date of mailing), or sent by nationally recognized
overnight courier (such notice sent by courier to be effective one (1) business
day after it is deposited with such courier), or sent by telefax (such notice
sent by telefax to be effective when sent, if confirmed by certified or
registered mail or overnight courier as aforesaid) to the person and address set
forth below or to such other person and/or address as any party may designate
for itself by written notice to the other party in accordance with this Section:
<PAGE>

            If to Allin:        Allin Interactive Corporation
                                400 Greentree Commons
                                381 Mansfield Avenue
                                Pittsburgh, PA 15220
                                Attn: Richard Talarico, Chief Executive Officer

            with a copy to:     Bryan D. Rosenberger, Esquire
                                Eckert Seamans Cherin & Mellott, LLC
                                USX Tower
                                600 Grant Street, 44th Floor
                                Pittsburgh, PA 15219

            If to CCL:          Carnival Cruise Lines
                                3655 NW 87th Avenue
                                Miami, Florida 33178
                                Attention: Myles Cyr

            With a copy to: Carnival Legal Department at the same address as
            above

      22. Force Majeure. Neither party shall be liable for any failure or delay
          -------------
in performing its obligations under this Agreement or for any loss or damage
resulting therefrom, due to causes beyond its reasonable control, including, but
not limited to, acts of God, public enemy or government, riots, fires, natural
catastrophes, strikes or epidemics (collectively, "Force Majeure"). In the event
of such failure or delay, the date of delivery or performance shall be extended
for a period not to exceed the time lost by reason of the failure or delay;
provided that either party may terminate this Agreement if the period of failure
or delay exceeds thirty (30) days. Each party shall notify the other promptly of
any failure or delay and the effect on its performance. Nothing in this Section
shall be interpreted as implying any increased obligation or liability on the
part of either party.

      23. Governing Law/Jurisdiction. This Agreement shall be governed by and
          --------------------------
interpreted in accordance with the substantive laws of the State of Florida. Any
litigation shall be filed and pursued in either state or federal court in
Broward or Miami-Dade County, Florida.

      24. Severability. If any provision of this Agreement is found by a court
          ------------
of competent jurisdiction to be illegal or otherwise unenforceable, that finding
shall not invalidate this whole Agreement and the remaining provisions shall
remain in full force and effect.

      25. Survival. The obligations and rights of the parties under Sections
          --------
10,11, 12, 14, 16, 17, 18, 19, 20, 24 and this Section 25 shall survive the
expiration or early termination of this Agreement.

      26. Binding Effect; Assignment This Agreement shall be binding upon and
          --------------------------
shall inure to the benefit of the parties and their respective representatives,
successors, and permitted assigns, in accordance with the terms hereof. Neither
party may assign this Agreement without the prior written consent of the other
party except that either party may, at their sole expense, assign its rights
under this Agreement to a wholly-owned subsidiary or the parent corporation of
the assigning party, provided, however, that no assignment shall in any way
affect a party's obligations or liabilities under this Agreement.

      27. Modification Any amendment, change or modification to this Agreement
          ------------
shall be void unless in writing and signed by all parties hereto.

      28. Non-Waivers No failure or delay by a party hereto in exercising any
          -----------
right, power or privilege hereunder, and no course of dealing between or among
any of the parties, shall operate as a waiver of any such right, power or
privilege. No waiver of any default on any one occasion shall constitute a
waiver of any subsequent or other default. No single or partial exercise of any
such right, power or privilege shall preclude the further or full exercise
thereof.
<PAGE>

      29. Counterparts; Facsimile Transmission This Agreement and all amendments
          ------------------------------------
hereto may be executed in several counterparts and each counterpart shall
constitute a duplicate original of the same instrument. Signatures sent to the
other party by facsimile transmission shall be binding as evidence of acceptance
of the terms hereof by such signatory party.

      30. Entire Agreement This Agreement (including any Exhibits) constitutes
          ----------------
the entire understanding of the parties with respect to its subject matter and
supersedes any and all prior oral or written agreements.

      IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the first date above written.

                                     Allin Interactive Corporation

                                     By: /s/ RICHARD W. TALARICO
                                         ---------------------------------------
                                     Name: Richard W. Talarico
                                           -------------------------------------
                                     Title: Chairman and Chief Executive Officer
                                            ------------------------------------

                                     Carnival Cruise Lines, a division of
                                     Carnival Corporation

                                     By: /s/ ROBERT H. DICKINSON
                                         ---------------------------------------
                                     Name: Robert H. Dickinson
                                           -------------------------------------
                                     Title: President
                                            ------------------------------------
<PAGE>

                                   ATTACHMENTS

Exhibit A                     --   System Description

Schedules:

            Schedule 1.5      --   CCL Environment

            Schedule 1.9      --   Installation Schedule

            Schedule 1.11     --   Payment Schedule

            Schedule 3.2      --   Change Request Form

            Schedule 7.1      --   Equipment to be Purchased from Allin

            Schedule 9.2(b)   --   Support Services
<PAGE>

EXHIBIT A

System Description:

            The System is an in cabin interactive television system that allows
users to do things such as purchase movies, buy shore excursions, order room
service and many more services depending on the functionality desired (in this
case as outlined in the Solution Vision). The System is currently based on
hardware utilizing the On Command OCX system architecture. The System utilizes
an existing RF cable plant that is outfitted to support a passive return path to
communicate the keystrokes from the end user (the television located in a cabin)
to the head end. These keystrokes are picked up by the IR receiver of smart set
televisions and passed to our TVCommander II control box (plugged into the smart
port of the television) and communicates back to the head end. The system passes
key strokes from the ITV remote control (standard with the system) or ITV
wireless keyboard (an optional piece of equipment used for internet browsing and
e-mail applications).

            Inside the head end, several independent rack systems support the
various RF trunks feeding the RF distribution plant. Each rack system can
support 2 or more RF trunks assuming no trunk or combination of trunks exceeds
230 ITV end users per trunk or combined trunk. The rack system is made up of a
series of client PC's which deliver the interactive applications. The video and
audio output of each client is modulated to an NTSC channel to allow broadcast
over the RF network. Each rack system also contains a server that acts as the
host/proxy server containing the database allowing all the hardware to interact
and process the commands issued from the web applications viewed by the end
user. The rack system also has VCP's for delivering movie content from VHS tape.
At the discretion of CCL, through the change order process, the VCP's can be
replaced with a Digital Video Server that is already incorporated into the OCX
system. There will be no material cost difference between the VCP based system
or the digital video server based system assuming the type of system is
specified prior to system order. For those systems installed with VCP's, CCL
will have the option of removing the VCP's and installing the digital video
server for the cost of the digital video server and any associated labor. Allin
will design all software such that no material change to the software will be
required to switch between the digital video server and the VCP based system.
<PAGE>

                                  SCHEDULE 1.5
                                  ------------

                                 CCL ENVIRONMENT

      All televisions that will be used for the System will be smart set
televisions.

      Allin will not be responsible for blocking channels from televisions on
the MATV network that are not a part of the System.

      Allin must have the use of 40 contiguous channels above channel 30.

      All channels will be modulated NTSC.

      No more than 230 rooms will exist on any single RF trunk going to the
headend.

      All rooms will have an available 110 Volt AC outlet within several feet of
the television for the ITV box.

      Passive loss between every room and the HE must be no greater than 60dBmV.

      All amplifiers in the system must be outfitted with passive return
modules.

      Average room to client ratio will be 20 to 1.

      Adequate electrical power in the Head End. Adequate electrical
requirements in the headend room is defined as 1 - 30amp dedicated electrical
circuit of conditioned and UPS protected power to be supplied per rack installed
as part of the system.

      Adequate air conditioning. Adequate air conditioning requirements in the
headend room is defined as keeping the room in which the ITV equipment is housed
between 65 to 68 degrees Fahrenheit 24 hours a day assuming each rack creates
8,000 BTUs of heat.

      Adequate space. Adequate space in the headend room is defined as each pair
of racks having at minimum a rectangle of open floor space of 90 inches by 120
inches with a minimum ceiling height of 90 inches (ceiling being defined by the
lowest hanging objects from the ceiling).

      Adequate provisions for cable runs. Adequate provisions for cable runs is
defined as cable trays or conduit running between each of the racks and the head
end RF combiner in which the cable trays or conduit are free from other wiring
and the cable run is no longer than 30 feet.

                  Adequate RF network. Adequate RF network is defined as the RF
cable plant being wired such that all passive devices pass at minimum 5 to
750MHz and all active devices (specifically amplifiers) be fitted with passive
return modules allowing 5 to 40 MHz to pass on the return path. No more than 230
rooms will be placed on any one physical RF trunk. The total passive loss across
the RF cable plant from any given location to the head end shall not exceed
60dBmV.
<PAGE>

                                  SCHEDULE 1.9
                                  ------------

                              INSTALLATION SCHEDULE

Several assumptions are being made with this schedule. They are the following:

      .     All cruise line specific development will have occurred prior to a
            cruise line being put into one of the slots (i.e., Property
            Management System Interface & Shore Excursions Interface).

      .     All shipboard responsibilities will be taken care of prior to the
            arrival of the Allin team (RF plant, Air Conditioning, power, space,
            etc.).

      .     No time has been accounted for in the schedule should television
            modification be required.

The Schedule: (Please Note the dates are the completion dates of the
installation of the hardware. Software can/may be loaded on at separate times
depending on the schedule of software development.)

                              Installation Schedule

<TABLE>
<CAPTION>
Installation     Ship     Company   Date Installed       Date         Vessel     Comments
                                                     Operational    Deployment
----------------------------------------------------------------------------------------------
<S>            <C>          <C>           <C>           <C>         <C>          <C>
      1        Victory      CCL            5/15/01       7/31/01    Miami
----------------------------------------------------------------------------------------------
      2        Triumph      CCL           10/15/01      12/31/01    Miami
----------------------------------------------------------------------------------------------
      3        Pride        CCL             9/1/01      10/31/01    newbuild
----------------------------------------------------------------------------------------------
      4        Spirit       CCL           10/15/01      12/31/01    Miami
----------------------------------------------------------------------------------------------
      5        Legend       CCL            5/15/02       7/14/02    newbuild
----------------------------------------------------------------------------------------------
      6        Conquest     CCL            8/15/02      10/14/02    newbuild
----------------------------------------------------------------------------------------------

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

----------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

                                  SCHEDULE 1.11
                                  -------------

                       PURCHASE PRICE AND PAYMENT SCHEDULE

A. Purchase Price
   --------------

--------------------------------------------------------------------------------
NAME               LINE     CLASS     CABINS          PRICE
--------------------------------------------------------------------------------
Carnival Victory       CCL  Destiny          1,379    $[REDACTED--
                                                      CONFIDENTIAL
                                                      TREATMENT
                                                      REQUESTED]
--------------------------------------------------------------------------------
Carnival Triumph       CCL  Destiny          1,379    $[REDACTED--
                                                      CONFIDENTIAL
                                                      TREATMENT
                                                      REQUESTED]
--------------------------------------------------------------------------------
Carnival Pride         CCL  Spirit           1,062    $[REDACTED--
                                                      CONFIDENTIAL
                                                      TREATMENT
                                                      REQUESTED]
--------------------------------------------------------------------------------
Carnival Spirit        CCL  Spirit           1,062    $[REDACTED--
                                                      CONFIDENTIAL
                                                      TREATMENT
                                                      REQUESTED]
--------------------------------------------------------------------------------
Legend                 CCL  Spirit           1,062    $[REDACTED--
                                                      CONFIDENTIAL
                                                      TREATMENT
                                                      REQUESTED]
--------------------------------------------------------------------------------
Conquest               CCL  Glory            1,487    $[REDACTED--
                                                      CONFIDENTIAL
                                                      TREATMENT
                                                      REQUESTED]
--------------------------------------------------------------------------------

      .     The Contract Price is based on the following assumptions: Smart Set
            televisions in use in all cabins Room ration is 20 to 1 The Systems
            are VCP (video cassette player) based

      .     To the extent the foregoing assumptions are incorrect, the purchase
            price may vary.

B. Payment Schedule
   ----------------

      Due 120 days prior to commencement of installation for each ship
installation:

                  [REDACTED - CONFIDENTIAL TREATMENT REQUESTED]% of the Purchase
Price listed above for the respective ship

      Due upon notification of shipment of equipment to Customer or Customer
Affiliate:

                  [REDACTED - CONFIDENTIAL TREATMENT REQUESTED]% of the Purchase
Price listed above for the respective ship

      Due upon Completion of Installation:
<PAGE>

                  [REDACTED - CONFIDENTIAL TREATMENT REQUESTED]% of the Purchase
Price listed above for the respective ship

      Due upon Acceptance:

                  [REDACTED - CONFIDENTIAL TREATMENT REQUESTED]% of the Purchase
Price listed above for the respective ship
<PAGE>

Schedule 3.2

-------------------------------------------------------------------------------
CHANGE REQUEST FORM
-------------------------------------------------------------------------------

Request                                                            Date:
Title:
        ---------------------------                                     -------

Requestor                             Requestor e-          Requestor
         --------------------------   mail         -------- Phone:    ---------

Type of
Change
        -------------------   Importance  o High  o Medium  o Low

Description
            --------------------------------------------------------------------

Allin Info

Solution                              Technical
Manager:                              Architect:
        -------------------------                ----------------------

Authorized
by:
          -----------------------

Design                                Development
Hours                                 Hours
      ---------------------------                 ---------------------

Testing                               Development
Hours                                 Hours
      ---------------------------                 ---------------------

Comments

<PAGE>

                                  SCHEDULE 7.1
                                  ------------

                      EQUIPMENT TO BE PURCHASED FROM ALLIN

Equipment Description:

HeadEnd:
-------

            All HeadEnd equipment is divided among "rack systems". Each rack
system generally supports between 200 to 500 cabins depending on the population
of equipment in the rack system. While the rack system configuration will at
times change slightly, Allin will commit to delivering equipment that can
materially be shown to be consistent with equipment Allin is then installing in
similar environments. As an example, a current rack system configuration would
include the following equipment:

      2     24" racks
      2     Rack Power Supplies (AC, conditioner, DC)
      1     Host/Proxy server
      20    Client PC's
      1     A/V router switch
      2     Video Modulator Banks
      60    VCP's
      1     RF router/diplexer
      1     Network switch

            The CCL ratio of cabins to interactive clients is 20 to 1. Using
this ratio, Allin will determine the number of rack systems each ship requires.

Operator Station:
----------------

            The operator station will consist of a rack where the operator will
do most of their work. This rack will also contain the RF combining network in
which Allin will connect to the shipboard headend.

      1     Application/database server
      1     Test television setup
      1     Operator PC

            RF equipment required to connect to appropriately prepared shipboard
RF headend.

In-Room:
-------

            Based on an assumption of 1 smart television per cabin, Allin will
supply the following equipment.

      1     TVCommander II (smart port)
      1     ITV remote control (no logo)
      1     18" RF lead
      1     Smart port com cable

Any changes to this system that a cruise line desires will be handled through
the Change Order Process.
<PAGE>

                                 SCHEDULE 9.2(b)
                                 ---------------

                              Support Service Level

A. Tracking of Support Issues

      Support issues will be tracked in CCL's problem management system
(Clarify). Remote access to Clarify will be granted to Allin. CCL will provide
the necessary software licenses and procedures for Allin to access and use
Clarify as contemplated herein. Notwithstanding that Allin will be granted
access to Clarify, CCL will be solely responsible for notifying Allin of support
issues and any change with respect to any support issue.

B. Priority Levels

      Each support issue will be assigned a priority code based on the nature of
the failure. Refer to Table 1. For purposes of this Schedule 9.2(b), a failure
is a system condition or event that leaves the system in a state where it is
performing a level lower than the performance level at the time of system
acceptance. Performance is defined primarily by stability, responsiveness, and
usability.

Prioritization is driven by the nature of the incident as it relates to
stability, responsiveness, and usability. For the purposes of this Schedule
9.2(b), these key terms are defined as follows:

      Stability - the availability of the system and all of its functions
      Responsiveness - the timeliness with which the system responds to user
      requests

      Usability - the degree to which the system is easy for the user to
      navigate and interact with the system

C. Response Time Expectation

      Given the 24x7 operation of the system and the ship, target resolution
times are expressed in clock hours (not business hours). The Target Resolution
Timeframe is based upon the start time which is the time Allin is notified by
CCL of the support issue.

      The expectation target (e.g. 90%) is calculated by determining the
percentage of incidents that are resolved within the target resolution time for
a given priority code. The 90% threshold is designed to drive superior
performance while allowing for the occasion where, despite the best efforts of
all parties, a given incident might not be resolved within the specified time
due to complexity or other external factors that are outside the control of the
support organization.

      Monthly reports will be generated from the Clarify system detailing
performance. If service levels targets are not achieved for any given month,
representatives from Allin and CCL will meet to review the data, address root
cause, and put a plan in place to improve service levels moving forward.

<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------------------------------------------
Priority                                                                          Target Resolution
Code       Description/Criteria                                                   Timeframe                 Expectation
-----------------------------------------------------------------------------------------------------------------------------
<S>         <C>                                                                   <C>                       <C>
P1          .     Head end issue affecting system stability or responsiveness     [REDACTED-CONFIDENTIAL
                  (except for failure of RF components), or;                      TREATMENT REQUESTED]
                                                                                  hours
            .     Issue affecting stability of an entire deck or equivalent
                  number of cabins.                                                                         90%
-----------------------------------------------------------------------------------------------------------------------------
P2          .     Stability issue affecting 25 or more cabins, or;                [REDACTED-CONFIDENTIAL
                                                                                  TREATMENT REQUESTED]
            .     Responsiveness issue affecting an entire deck (or equivalent    hours
                  number of cabins).                                                                        90%
-----------------------------------------------------------------------------------------------------------------------------
P3          .     Usability issue impacting all users of a given module(s), or;   [REDACTED-CONFIDENTIAL
                                                                                  TREATMENT REQUESTED]
            .     Stability or responsiveness issue affecting less than 24        hours
                  cabins.                                                                                   90%
-----------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------------------------------------------

---------------------------------------------------------------------------------------------------------------------------------
<S>         <C>                                                                   <C>                         <C>
P4          .     System operation not impacted, or;                              [REDACTED-CONFIDENTIAL      90%
                                                                                  TREATMENT REQUESTED]
            .     Information requests, or;                                       hours

            .     User questions / "how-to".
---------------------------------------------------------------------------------------------------------------------------------
P5          .     Non break/fix requests, enhancements                            [REDACTED-CONFIDENTIAL      Not applicable
                                                                                  TREATMENT REQUESTED]
                                                                                  hours

---------------------------------------------------------------------------------------------------------------------------------
</TABLE>

      The resolution timeframe assumes:

      1. Allin will have full remote control capabilities to all System servers;

      2. Allin will have dedicated email access for ship personnel responsible
for the System;

      3. Allin will have phone access to ship personal via CCL's data center or
another designated support department which is available 24 hours, 7 days per
week; and

      4. Support levels and resolution time frames will not apply to hardware
problems..

      In addition, the support levels described herein do not apply to:

      1. RF components of the Head End; or

      2. Support issues related to changes made to the System by anyone other
than Allin.

D. Additional Support

      CCL may also encounter system performance characteristics that require
modification, despite the fact that the system is performing as designed and
accepted. Those issues are not subject to SLA and will be subject to the change
order process. For example if, subsequent to acceptance, a navigational feature
proves to be confusing to the users, the remediation of that feature is not
subject to SLA.

The foregoing support terms are intended to convey the spirit of the support
agreement, and do not address the detailed process steps and responsibilities
associated with the delivery of support. The parties agree to define and
document the support process within 90 days of the Effective Date.<PAGE>   1
                                                                    EXHIBIT 10.1

                       ASSET PURCHASE AND SALE AGREEMENT

        THIS ASSET PURCHASE AND SALE AGREEMENT (this "Agreement"), is made this
27 day of April, 1999, by and between MEGA GROUP, INC., a New York corporation,
with an address, for the purposes hereof, at 313 Ushers Rd. Ballston Lake NY
12019 (the "Seller"), and GLOBAL UNDERWRITERS AGENCY, INC. ("Buyer"), a New
York corporation, with an address, for the purposes hereof, at 313 Ushers Rd
Ballston Lake NY 12019.

        WHEREAS, Seller is currently engaged in the property and casualty
insurance business; and

        WHEREAS, Seller desires to sell to the Buyer and the Buyer desires to
purchase from Seller, certain of the business assets belonging to the
Commercial Lines division of the Seller; and

        WHEREAS, the parties hereto are desirous of memorializing herein their
mutual understanding and agreement with respect to the purchase by Buyer of
certain assets of Seller.

        NOW, THEREFORE, in consideration of the foregoing recitals and for
other good and valuable consideration, the receipt and sufficiency of which is
hereby mutually acknowledged, the parties hereto agree as follows:

        1.      ASSETS PURCHASED.

        Subject to the terms and conditions hereafter set forth, Seller will
sell to the Buyer and the Buyer will purchase from Seller, those assets, both
tangible and intangible, including but not limited to: insurance renewals,
customer lists, files, records, expirations, office supplies and equipment,
furniture, fixtures, other equipment listed and described on Exhibit "A"
attached hereto and made a part hereof for all purposes (hereinafter the
"Assets").  Except for the Assets specifically listed on Exhibit "A", the
Seller shall retain title to all of its other assets.
<PAGE>   2
        2.      PURCHASE PRICE.

        The Purchase Price for the Assets shall be TWO HUNDRED FIFTY THOUSAND
AND 00/100 DOLLARS and shall be payable as follows:

                i.      $150,000.00 by bank or certified check on the date of
                        closing.

                ii.     $100,000.00 by Buyer's non-negotiable promissory note
                        in form and substance acceptable to the parties and
                        their respective counsel (the "Mega Note").  Among the
                        terms to be included in the Mega Note, shall be a
                        provision for the payment of interest at an annual rate
                        of eight percent (8%).  The Mega Note shall contain
                        repayment terms providing for payment of principal plus
                        interest.  Principal shall be paid in accord with the
                        following schedule: $1,000.00 per month for the first
                        two (2) years of the term of the Mega Note, then
                        $2,000.00 per month for the ensuing three (3) years and
                        a balloon payment of all outstanding principal plus
                        accrued and as yet unpaid interest on the fifth (5th)
                        anniversary of the date of the Mega Note.  The Mega
                        Note may be prepaid without penalty or prepayment
                        consideration.

        The purchase price shall be allocated as follows:

<TABLE>
<CAPTION>
                ITEM                                                    AMOUNT
                ----                                                    ------
                <S>                                                     <C>
                Policy expirations and renewals:                        $100,000.00

                Furniture, fixtures, equipment and supplies:            $12,000.00

                Good Will:                                              $120,000.00
</TABLE>

                                      2
<PAGE>   3
                Prepaid Rental Agreement:               $18,000.00

                3.      ALLOCATION OF PREMIUMS AND COMMISSIONS.

        Seller and Buyer agree that all premiums on policies with an effective
or renewal date before April 30, 1999 or the actual closing date, if different,
are to be billed and collected by the Seller, and the Seller is to make net
payment to the carrier for same.  Commissions on Commercial Lines payable on or
after April 30, 1999, including direct bill commissions for General Accident
Commercial Lines received in April, 1999 (hereinafter, the "Buyer Commissions")
shall belong to the Buyer, regardless of the effective date of any policy or
transaction regardless of the date hereof or of the date on which the
transaction contemplated hereby closes.  Seller covenants and agrees to make
timely payment of balances due to insurance carriers or to customers for
premiums for which it is responsible.  Buyer and Seller agree to promptly remit
to each other premiums, commissions and documents that belong to the other
party.

        4.      PROFIT SHARING AND INCENTIVE COMMISSIONS.  All profit sharing
and incentive commissions earned by Seller in calendar year 1999 and allocated
to Commercial Lines shall be promptly payable in their entirety to Buyer.

        In the event that an insurance company issues a single check to Seller
combining such incentive commissions and profit sharing for Commercial Lines
and Personal Lines such monies shall be distributed between Buyer and Seller in
the same proportion as the amount of Commercial Lines premiums bears to the
total premiums received by the insurance company delivering the check in
question.

                                       3
<PAGE>   4
        5.      REPRESENTATIONS AND WARRANTIES OF SELLER.

        Seller makes the following representations and warranties to the Buyer:

        a.      Seller is duly organized and validly exists and is in good
                standing under the laws of the State of New York, with full
                power to own its assets and conduct is business as the same are
                presently owned and conducted.  Seller its licensed by the New
                York State Insurance Department for and is authorized to sell
                all insurance products presently included in its book of
                business.  Seller has good and marketable title to the Assets,
                free and clear of any interest, lien, claim or encumbrance
                whatsoever and has or will pay or discharge each and every
                liability arising out of the operation of Seller's business and
                attributable to such Assets prior to the Closing Date.

        b.      Seller is duly licensed by the Insurance Department of the
                State of New York as an insurance agent and is a party to
                currently effective agency agreements with all the following
                insurance companies:

                Travelers Insurance Co.         Utica First
                CNA Insurance Co.               Wm. H. McGee
                CGU Insurance Co.               St. Paul Ins.
                Hartford Insurance Group        Merchants Ins.
                Blue Ridge Insurance            Utica National
                Eastern Mutual Ins.             Chubb Group
                Amwest                          Security Mutual
                New York Mutual                 Zurich Ins. Co.
                General Accident

        c.      All commissions owed and payable to producers, brokers, and
                cluster agents for Commercial Lines business will have been
                paid to them within five (5) days of Closing, including, but
                not limited to commissions owed to J&J Insurance, DebRoy
                Agency, Pardee's Agency, Merrell-Benco, KBS International,
                Northeast General

                                      4
<PAGE>   5
                Services, and Mark Long.

        d.      The Seller has received no notice or communication, written or
                oral, from any insurance company represented by the Seller nor
                has it received any information of any nature whatever which
                would lead a reasonably prudent business person to believe that
                any insurance company presently represented by the Seller
                intends or is in any way considering terminating the agency
                relationship between such insurance company and the Seller.

        e.      All tax returns required to be filed by Seller have been timely
                filed and all taxes due and payable thereon have been paid.

        f.      There are no legal actions or proceedings pending or threatened
                against Seller and Seller is not a party to or the subject of
                nor has it received any written or other notice of any pending
                or threatened investigation, hearing or proceeding by any
                governmental agency court or governmental entity which could
                have a material adverse affect on the transaction contemplated
                hereby or on the Assets to be conveyed hereunder; except such
                matters involving Herman Adler, Thomas Geiselhart, Becking and
                Smith, Marine Midland Bank and Honen & Wood, P.C.  As to such
                matters, the Buyer has been made aware of them and elects to
                proceed hereunder notwithstanding.

        g.      During the period from the date hereof the Closing, Seller
                shall:

                i.      Conduct its business and operations in substantially
                        the same manner in which the same have heretofore been
                        conducted and maintain its books of account in a manner
                        that fairly represents its business transactions;

                                       5
<PAGE>   6
                ii.     Use best efforts to maintain and preserve the business
                        organization intact and to preserve, subject to changes
                        in the ordinary course of business, relationships with
                        employees, customers, suppliers and others having
                        business relations with it;

                iii.    Not take any action which would cause the
                        representations and warranties made by Seller herein to
                        be materially inaccurate at the Closing, or otherwise
                        interfere with the transactions contemplated hereby.

        h.      No representation or warranty made by Seller and no schedule,
                exhibit, certificate, document or other instrument furnished to
                the Buyer pursuant to this Agreement knowingly contains any
                untrue statement of a material fact, or omits to state a
                material fact necessary to make the statements contained
                therein not misleading.

        i.      By closing on this transaction, the Seller reaffirms that each
                warranty and representation made herein is accurate as of the
                Closing Date, and it further recognizes and agrees that it is
                under a continuing obligation to bring to the attention of the
                Buyer, in writing, any change or occurrence which, in the
                exercise of utmost good faith, might influence the Buyer in its
                decision to purchase the Assets hereunder.

        6.      REPRESENTATIONS OF BUYER.

        The Buyer makes the following representations to the Seller:

        a.      The Buyer is a corporation organized, validly existing and in
                good standing under the laws of the State of New York.

        b.      The execution and delivery of this Agreement and the
                consummation of the

                                       6
<PAGE>   7
                transactions contemplated thereby have been authorized by the
                Shareholders, if necessary, and the Board of Directors of the
                Buyer.

        7.      CLOSING.

        The closing of the transaction contemplated hereby (the "Closing" or
"Closing Date") shall take place on April 1, 1999 in the offices of the
attorneys for Buyer.  All adjustments shall be made as of April 1, 1999.

        At the Closing, Seller and the Buyer will deliver the following items
to each other:

        a.      Seller's Closing Items:

                i.      A general assignment and executed bill of sale and
                        other necessary documents of title in form reasonably
                        satisfactory to counsel for Buyer as shall be necessary
                        or expedient to transfer to Buyer the Assets.

                ii.     An opinion of counsel by counsel for the Seller opining
                        that upon execution and delivery, this Agreement, and
                        all ancillary agreements executed in connection
                        herewith, constitute legally valid and binding
                        obligations of the Seller and are enforceable against
                        each of them in accordance with the terms of such
                        agreements subject only to bankruptcy, insolvency,
                        reorganization, moratorium or similar laws relating to
                        or affecting the enforcement of contractual rights
                        generally together with any and all other matters as
                        Buyer and/or Buyer's counsel may reasonably require.

        b.      The Buyer's Closing Items:

                i.      Payment of the Purchase Price, in the manner described
                        herein, including delivery of executed promissory notes.

                                       7
<PAGE>   8
        8.      CONDITIONS PRECEDENT TO OBLIGATIONS OF BUYER.

                The obligations of the Buyer hereunder are subject to the
        fulfillment, at or prior to the Closing, of the following conditions:

        a.      All representations and warranties of the Seller contained
herein and in any exhibit, certificate, document or other instrument delivered
pursuant to the provisions hereof, or in connection with the transactions
contemplated hereby, shall be true on the Closing with the same force and
effect as though such representations and warranties had been made on the
Closing, except as otherwise contemplated by this Agreement.

        b.      The Seller shall have performed and complied with all of the
material terms, covenants and conditions of this Agreement to be performed or
complied with by it, on or before the Closing.

        c.      No action, suit or proceeding shall have been instituted or
threatened before any court or governmental body by any governmental agency or
body to restrain or prevent the carrying out of the transactions contemplated
hereby.

        d.      Seller shall have complied with the "Bulk Sale" laws of the
State of New York and shall have filed the requisite documents and instruments
with the appropriate governmental authorities to evidence such compliance.

        9.      CONDITIONS PRECEDENT TO OBLIGATION OF SELLER.

        The obligations of the Seller under this Agreement are subject to the
fulfillment, on or before the Closing, of the following conditions:

        a.      All representations and warranties of the Buyer contained herein
and in any certificate or other instrument delivered by the Buyer pursuant to
the provisions hereof, or in

                                       8
<PAGE>   9
connection with the transactions contemplated hereby, shall be true and correct
on the Closing with the same force and effect as though such representations
and warranties had been made on the Closing.

        b.      The Buyer shall have performed and complied with all of the
material terms, covenants and conditions of this Agreement to be performed or
complied with by it on or before the Closing Date.

        10.     INDEMNITY.

        Seller agrees to indemnify and hold Buyer harmless against and in
respect of:

        (a)     any damage or deficiency resulting from any misrepresentation,
breach of warranty, tax deficiency or nonfulfillment of any agreement on the
part of Seller hereunder, or from any misrepresentation in or omission from any
schedule, certificate or other instrument furnished hereunder:

        (b)     any liability of Seller not expressly assumed by Buyer
hereunder;

        (c)     All actions, suits, proceedings, claims, demands, judgments,
assessments, costs and expenses, including reasonable attorneys' fees, incident
to any of the foregoing.

        Buyer shall give Seller prompt written notice of any claim made against
it which, if valid, would give rise to a claim for indemnification under this
section and Seller may, at its option, employ counsel to defend against the
claim at Seller's own expense in the names of Seller or Buyer.  Buyer will take
all necessary action to cooperate in all ways necessary to assist Seller in
such defense, provided same is without cost to Buyer.  If Seller fails to
defend against any such claim, Buyer shall use its best efforts to defend or
minimize such claim, but the determination of Buyer in good faith as to the
handling thereof shall be final.

                                       9
<PAGE>   10
        If any claim which gives rise to a claim for indemnification under this
section shall result in a judgment, decree, injunction, award or lien against
Buyer, Seller shall upon demand satisfy, discharge or effectively stay the
enforcement of same until satisfied or discharged.  To the extent that Buyer
incurs any liability, cost or expenses with respect to any claim for which it
is indemnified hereunder and provided that Buyer has given Seller the notice of
such claim as required by this section, and further provided that Seller is
not, in good faith, defending such claim, such liability, cost or expense may
be set-off by Buyer against any amounts owed by Seller by Buyer, without in any
manner limiting Buyer's right to seek any other remedy at law or in equity
against Seller.  Notwithstanding the foregoing, Buyer may exercise its right
of set-off hereunder even though Seller is, in good faith, defending such
claim, if such claim shall result in a judgment, decree, injunction, award or
lien against Buyer and Seller has not satisfied, discharged or effectively
stayed the enforcement of same.  The covenants contained in this section shall
survive the Closing.

        11.     SEVERABILITY.

        The provisions of this Agreement shall be interpreted in such a manner
as to comply with all applicable laws to the fullest extent possible; but if,
notwithstanding such interpretation, any provision is determined to be illegal,
invalid, or unenforceable, the remaining provisions of this Agreement shall not
be affected, shall remain in full force, and shall continue to be binding upon
the parties.

        12.     SURVIVAL OF REPRESENTATIONS AND AGREEMENTS.

        All representations, warranties and agreements of Seller which are
contained herein which are not fully performed at or prior to the time of the
Closing shall survive the Closing.

                                       10
<PAGE>   11

        13.     SALES TAX

        Any and all obligations to pay sales and/or use tax arising out of this
transaction shall be those of the Buyer. The Buyer agrees to indemnify and hold
the Seller harmless against any loss, deficiency, interest or penalty arising
out of the Buyer's failure to fulfi1l its obligation to pay sales and/or use tax
in connection with this transaction.

        14.     BROKERAGE COMMISSION.

        The parties hereto agree that no broker was involved in this transaction
and agree to mutually indemnify each other from any claims of brokers or
finders.

        15.     SUBORDINATION OF 1NTEREST.

        Seller acknowledges that Buyer must obtain bank financing to consummate
the transactions contemplated hereunder. Seller agrees that they shall
subordinate any indebtedness owed to them by Buyer or the principals of Buyer to
the lien and interest of any commercial lender from whom Buyer acquires
financing to consummate this transaction.

         16.     HIRING OF PERSONNEL/SOLICITATION OF CLUSTER AGENTS.

        From and after the date of the Closing, Buyer shall be free to hire any
personnel from the Commercial Lines division of Seller as Buyer may deem
advisable and may solicit any and all agents for purposes of placement of
insurance business as Buyer may deem advisable. William Kloc's employment
agreement with Seller is terminated as of the closing date and Seller hereby
releases William Kloc from any and all obligations Kloc may have under and
pursuant to any employment agreement Kloc may have or had with Seller.

        17.     OFFICE EXPENSE.

        As part consideration for the Purchase Price received by the Seller,
Seller shall provide to

                                       11
<PAGE>   12

Buyer office space, use of a conference room, telephone service, postage (with
the exception of bulk mailing) and use of all of Seller's office equipment not
transferred to Buyer hereunder, office supplies, bookkeeper and a receptionist
for a period of twelve (12) months (the "Free Rent Period") following the date
hereof. Seller shall provide to Buyer a separate listing on the building
director at Seller's location. Buyer may continue the arrangement at its
election, for one year following the Free Rent Period at a fixed cost of
Eighteen Thousand and no/100 ($18,000.00) Dollars for such additional year, said
sum to be paid in twelve (12) equal installments, in advance, on the first day
of each month during such extended term.

        18.     ARBITRATION.

        Any controversy or claim arising out of or relating to this Agreement,
or the breach thereof, shall be settled by binding arbitration at Albany, New
York in accordance with the rules then obtaining of the American Arbitration
Association, and judgment upon the award rendered thereon may be entered in
any Court having jurisdiction thereof.

        19.     ANNOUNCEMENTS AND CONFIDENTIALITY.

        Prior to or after the closing, no announcement shall be made respecting
this Agreement or any transaction contemplated herein unless approved by the
parties.

        2O      EXPENSES.

        Each of the parties to this Agreement shall bear its or his own expenses
in connection with the transactions contemplated hereby.

        21.     NOTICES.

        Any notice or other communication under this Agreement shall be in
writing and shall be deemed to have been duly given when sent by certified mail
addressed as follows:

                                       12

<PAGE>   13

                       If to the Sel1er, to it at:

                       313 Ushers Rd.
                       --------------------------
                       Ballston Lake NY 12019
                       --------------------------

                       If to the Buyer, to it at:

                       313 Ushers Rd.
                       --------------------------
                       Ballston Lake NY 12019
                       --------------------------

or to such other address as either of the parties may designate by notice to the
other.

        22.     AGENT OF RECORD.

        Seller will cooperate with the Buyer in the obtaining appointment as
agent of record for all insurance accounts or customers of Seller existing on
the date hereof and included herein.

        23.     BENEFIT.

        This Agreement shall be binding upon and inure to the benefit of the
parties hereto, their heirs, successors and assigns.

        24.     ENTIRE AGREEMENT.

        This Agreement sets forth the entire understanding of the parties with
respect to the subject matter hereof and shall not be changed or terminated
orally.

        25.     NEW YORK LAW.

        This Agreement shall be governed by and construed in accordance with the
laws of the State of New York.

                                       13
<PAGE>   14

        IN WITNESS WHEREOF, the parties hereto have executed this agreement as
of the date first above written.

                                     MEGA GROUP, INC.

                                     BY: /s/ STEVE GREGORY
                                          ------------------------------
                                     Name:
                                     Title: President

                                     GLOBAL UNDERWRITERS AGENCY, LNC.

                                     By:  /s/ RICHARD PUFPAFF
                                          ------------------------------
                                     Name:  Richard Pufpaff
                                     Title: President

                                       14

<PAGE>   15

                 STATE OF NEW YORK    )
                                      )SS.:
                 COUNTY OF            )

        On the 27 day of April, 1999, before me, the undersigned. a notary
public in and for said state, personally appeared Steve Gregory, personally
known to me or proved to me on the basis of satisfactory evidence to the
individual whose name is subscribed to the within instrument and acknowledged
to me that he executed the same in his capacity, and that by his signature on
the instrument, the individual, or the person upon behalf of which the
individual acted, executed the instrument.

                                                       /s/ [SIG]
                                                       -----------------------
                                                       Notary Public

                 STATE OF NEW YORK    )
                                      )SS.:
                 COUNTY OF SARATOGA   )

        On the 27 day of April, 1999, before me, the undersigned, a notary
public in and for said state, personally appeared Richard Pufpaff, personally
known to me or proved to me on the basis of satisfactory evidence to the
individual whose name is subscribed to the within instrument and acknowledaed
to me that he executed the same in his capacity, and that by his signature on
the instrument, the individual, or the person upon behalf of which the
individual acted, executed the instrument.

                                                       /s/ [SIG]
                                                       -----------------------
                                                       Notary Public

                                       15

<PAGE>   16

                                    EXHIBIT A

                                     ASSETS

                   List of Furniture, Fixtures and Supplies

<TABLE>
<S>              <C>                                           <C>
                 5 file cabinets -5 drawer                        $500.00
                 2 file cabinets -4 drawer                         200.00
                 4 file cabinets -2 drawer                         400.00
                 2 file cabinets -3 drawer                         200.00
                 2 work stables                                  1,000.00
                 4 work stations                                 6,600.00
                 1 desk                                            800.00
                 1 credenza                                        300.00
                 10 chairs                                         600.00
                 1 bookshelf                                       300.00
                 misc. bins, file holders                          100.00
                 1 rating computer                               1,000.00
                                                                  -------
                                                                12,000.00
</TABLE>

<PAGE>   17

                    TO ALL TO WHOM THESE PRESENTS SHALL COME,
                                 OR MAY CONCERN:

GREETING: KNOW YE, that MEGA GROUP, INC., a corporation organized and existing
under and by virtue of the laws of the State of New York, for and in
consideration of the sum of FIFTY THOUSAND AND XX/100 ($50,000.00) DOLLARS
lawful money of the United States of America to it in hand paid by GLOBAL
UNDERWRITERS AGENCY, INC., the receipt whereof is hereby acknowledged, has
remised, released, and forever discharged, and by these presents does for
itself, its successors and assigns, remise, release and forever discharge the
said GLOBAL UNDERWRITERS AGENCY, INC., its successors and assigns, of and from
all liability or claims for monies due and owing to the said MEGA GROUP, INC.
for and under a $100,000.00 promissory note dated on or about April 29,
1999.

IN WITNESS WHEREOF, the said MEGA GROUP, INC. has caused theses presents to be
signed by its duly authorized officer the ____ day of February in the year Two
Thousand.

                                             MEGA GROUP, INC.
                                             By: /s/ STEVEN GREGORY
                                                ---------------------------
                                             STEVEN C. GREGORY,  President

                 STATE OF NEW YORK    )
                                      )SS.:
                 COUNTY OF SARATOGA   )

        On the 15th day of February, 2000, before me, the undersigned,
personally appeared STEVE C. GREGORY, personally known to me or proved to me on
the basis of satisfactory evidence to be the individual whose name is
subscribed to the within instrument and acknowledged to me that he executed the
same in his capacity, and that by his signature on the instrument, the
individual, or the person upon behalf of which the individual acted, executed
the instrument.

                                       /s/ STEVEN A. PECHENIK
                                       ---------------------------------
                                       Notary Public, State of New York

                                             STEPHEN A. PECHENIK
                                       NOTARY PUBLIC, STATE OF NEW YORK
                                        QUALIFIED IN RENSSELAER COUNTY
                                       COMMISSION EXPIRES APRIL 30, 2000

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