Document:

FULLY DISCLOSED CLEARING AGREEEMENT

         This  Agreement  made  in  Minneapolis,  Minnesota  on the  2nd  day of
November,  1999 by and between Miller,  Johnson & Kuehn,  Incorporated (MJKI), a
Minnesota  corporation,  having its principal office at 5500 Wayzata Blvd. #800,
Minneapolis,  Minnesota,  55416 and On Line  Stock  Market.  Inc.  ("Introducing
Broker"),  a California  corporation having its principal office at 1875 Century
Park East Suite 1880, Los Angeles, CA 90067.

         WHEREAS, MJKI is registered as a broker/dealer in securities; and

         WHEREAS,  Introducing  Broker is also registered as a broker/dealer  in
securities; and

         WHEREAS, Introducing Broker is desirous that MJKI clear and settle on a
fully  disclosed  basis  transactions  for accounts  which from time to time are
transferred or introduced to MJKI by Introducing Broker and are accepted by MJKI
("Introduced Account"), under terms and conditions hereinafter set forth.

         NOW,  THEREFORE,  in  consideration  of the  premises and the terms and
conditions hereinafter set forth, the parties agree as follows:

         I.       REPRESENTATION AND WARRANTIES

         A.       Introducing Broker represents and warrants that:

                  1.       It is a member and in good  standing of the  National
                           Association of Securities Dealers, Inc.;

                  2.       It  is  duly  registered  or  licensed  and  in  good
                           standing  as a  broker/dealer  under  the  Securities
                           Exchange Act of 1934 and the state securities laws of
                           California and all such other  jurisdictions in which
                           it   transacts   business   and  is  required  to  be
                           registered as a broker/dealer;

                  3.       It has all  requisite  power and  authority,  whether
                           arising under  applicable  federal or state taws, its
                           Articles of  Incorporation  or Bylaws,  to enter into
                           this   Agreement  and  to  perform  its   obligations
                           hereunder; and

                  4.       It is in substantial compliance,  and during the term
                           of  this   Agreement   will  remain  in   substantial
                           compliance,  with the capital and financial reporting
                           requirements   of   the   National   Association   of
                           Securities Dealers, Inc. ("NASD"), the Securities and
                           Exchange Commission ("SEC"),  any securities exchange
                           of  which it is a member  and of every  state  having
                           jurisdiction over it.

         B.       1.       MJKI represents and warrants that:

                  2.       It  is  duly  registered  or  licensed  and  in  good
                           standing as a broker/dealer  under the Securities and
                           Exchange Act of 1934 and the state securities laws of
                           Minnesota  and all other states in which it transacts
                           business and in which it is required to be registered
                           as a broker/dealer;

                  3.       It has requisite power and authority, whether arising
                           under  applicable  federal or state law, its Articles
                           of   Incorporation  or  Bylaws  to  enter  into  this
                           Agreement and to perform its  obligations  hereunder;
                           and

                  4.       It is in substantial compliance, and during the terms
                           of  this   Agreement   will  remain  in   substantial
                           compliance,  with the capital and financial reporting
                           requirements  of the NASD,  SEC and of every state to
                           whose jurisdiction it is subject.

<PAGE>

         II.      FINANCIAL ARRANGEMENTS: COMMISSION, CHARGES AND INTEREST

         The financial arrangements between the parties shall be those contained
         in Attachment I, which is made a part of this  Agreement.  Attachment I
         may be amended  from time to time by written  agreement of the parties.
         Such  amended  Attachment  I shall be  initialed  and  attached to this
         original Agreement.

         III.     SERVICES TO BE PERFORMED BY MJKI

         MJKI shall carry the  Introduced  Accounts  and  perform the  following
         services:

         A.       Clearance  and  settlement of all  transactions  in Introduced
                  Accounts;

         B.       Execution of all transactions in listed  securities,  options,
                  bonds,  over the counter  securities  and other  securities as
                  Introducing Broker from time to time shall request;  provided,
                  however,  that  MJKI,  in its sole  discretion,  may refuse to
                  accept any  account  or any order and  terminate  any  account
                  previously accepted without prior notice;

         C.       Preparation  and  mailing of  confirmations  to  customers  on
                  MJKI's  forms,  provided  that  all such  confirmations  shall
                  contain a statement  that MJKI is acting as the clearing agent
                  for the Introducing Broker;

         D.       Preparation   and   mailing  of  monthly  or  other   periodic
                  statements to customers,  which statements shall disclose that
                  MJKI is  acting  as the  clearing  agent  for the  Introducing
                  Broker;

         E.       Clearing and  settlement  of  contracts  and  transactions  in
                  securities   (i)   between   Introducing   Broker   and  other
                  Broker/Dealers,   (ii)  between  Introducing  Broker  and  its
                  customers,  and (iii)  between  Introducing  Broker  and third
                  persons;

         F.       Cashiering  functions  for  Introduced   Accounts,   including
                  receipt and delivery of securities  purchased,  sold, borrowed
                  and loaned,  making and receiving payment  therefore,  custody
                  and safe  keeping of  securities  and cash,  the  handling  of
                  margin  accounts,  dividends and exchanges,  rights and tender
                  offers;

         G.       Nothing in this Agreement  shall create a  partnership,  joint
                  venture,  association or agency relationship  between MJKI and
                  Introducing Broker;

         H.       Notification  in  writing  of  the  existence  of  a  Clearing
                  Agreement to Introducing Broker Customers;

         I.       Compliance  with NASD Notice to Members 98-99 (see  Attachment
                  Two);

         J.       Providing notification, at the execution of this agreement and
                  annually  thereafter,  of reports that MJKI makes available to
                  the  Introducing  Broker to assist the  Introducing  Broker in
                  supervising its activities,  monitoring its customer accounts,
                  and carrying out its functions and responsibilities under this
                  clearing agreement (See Attachment Three) and;

         K.       Compliance  with  NASD's  OATS Rules and  Specifications  (See
                  Attachment Four).

         IV.      HANDLING OF INTRODUCED ACCOUNTS

         MJKI and Introducing Broker agree that all Introduced Accounts shall be
         subject to the following:
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         A.       For  purposes  of  the  Securities  Investors  Protection  Act
                  ("SIPA")  and  the   Securities   and  Exchange   Commission's
                  financial  responsibility  rules,  customers  with  respect to
                  Introduced Accounts shall be deemed to be customers of MJKI as
                  the clearing agent;

         B.       MJKI in its sole  discretion  may refuse to accept any account
                  or any order and may terminate any account previously accepted
                  without  prior notice and may close an account  already  open,
                  refuse  to  confirm  and/or  cancel a  confirmation,  reject a
                  delivery or receipt of,  securities  and/or  money;  refuse to
                  clear  any  trade  executed  by  Introducing  Broker or refuse
                  execute any trade for the account of a customer  introduced by
                  Introducing Broker;

         C.       Introducing  Broker agrees that its  employees,  officers,  or
                  agents may not have  Discretionary  power with  respect to any
                  Introduced Account;

         D.       All  requests  for Reg T  extensions  must  be  made to  MJKI.
                  Introducing  Broker shall be responsible for determining  that
                  the requests are valid and in compliance with the requirements
                  of MJKI.  MJKI  shall  not be  obligated  to  comply  with any
                  extension request made by Introducing Broker;

         E.       Introducing   Broker  accepts  full   responsibility  for  the
                  authenticity  of orders  placed  by  Introducing  Broker  with
                  respect to any Introduced Account and with respect to any firm
                  accounts and for  complying  with all rules of any exchange or
                  applicable  market in placing such order;  without limited the
                  generality   of  the   foregoing,   Introducing   Broker  will
                  specifically  be responsible  for compliance  with  applicable
                  NASD rules in connection with the placing of all orders;

         F.       Nothing in this  Agreement  shall be construed to require,  or
                  impose any duty upon either party to do anything that might be
                  in  violation  of the laws of any  jurisdiction  in which  the
                  party does business under this Agreement,  or the rules of any
                  regulatory body (including exchanges and clearing corporations
                  to which either or both of the parties are subject);

         G.       Introducing Broker  acknowledges  receipt and familiarity with
                  the  basic  guidelines  applicable  to MJKI's  operations  and
                  procedures  and  agrees to comply  with  such  guidelines  and
                  procedures and to familiarize itself with all modifications or
                  supplements to such  procedures  and  guidelines  which may be
                  issued  by  MJKI  from  time  to  time.  Any  changes  in such
                  guidelines  will  be  forwarded  in a  timely  manner  to  the
                  Introducing Broker;

         H.       All  correspondence  in the nature of  customer  inquiries  or
                  complaints  shall be directed to the Introducing  Broker.  Any
                  such  correspondence  is to be reviewed and replied to by MJKI
                  or Introducing  Broker  depending upon who is responsible  for
                  the function which is a subject matter of the  correspondence.
                  If such  correspondence  is not  directed  to the  appropriate
                  party  initially,  MJKI and Introducing  Broker shall promptly
                  forward such  oorrespondence  to the appropriate  party;  MJKI
                  shall forward any customer  complaints  about the  introducing
                  firm to the introducing firm's Designated Examining Authority,
                  as well as to the introducing firm.

         L.       MJKI and Introducing Broker,  respectively,  agree to maintain
                  in accordance  with applicable  retention  policies such books
                  and records as may be required to discharge  their  respective
                  functions under this Agreement;

         M.       MJKI and Introducing Broker agree to cooperate with each other
                  with  respect  to the  performance  of the  various  functions
                  performed by MJKI and  Introducing  Broker.  Such  cooperation
                  shall include the provision of  appropriate  data pertinent to
                  the functions to be performed by MJKI and Introducing Broker;

         N.       All services with respect to Introduced Accounts which are not
                  expressly delegated to MJKI

<PAGE>

                  in  this  Agreement  shall  be  the   responsibility   of  the
                  Introducing Broker;

         O.       MJKI  agrees  not  to  set  up  any  proprietary   trading  or
                  investment accounts in the name of the Introducing Broker.

         V.       DUTIES, OBLIGATIONS AND RESPONSIBILITIES OF INTRODUCING BROKER

         A.       Introducing   Broker  shall   furnish  all   information   and
                  documentation  as  required  by MJKI  for the  opening  of all
                  Introduced  Accounts.  Any new Introduced  Accounts shall bear
                  the written  approval of an NASD principal of the  Introducing
                  Broker.  Only MJKI approved  forms may be used for the opening
                  of a new Introduced Account.

         B.       Introducing Broker will provide MJKI with other basic data and
                  documents,  including without limitation, copies of records of
                  any  receipt  of  customers  funds  and  securities   received
                  directly  by  Introducing  Broker,  as  may  be  necessary  or
                  appropriate to permit MJKI to discharge its services hereunder
                  and  which,  in all  cases,  will be  compatible  with  MJKI's
                  requirements.

         C.       If   securities   purchased  for  cash  are  sold  because  of
                  nonpayment  or  if  securities  sold  in a  cash  account  are
                  repurchased    because   of   nondelivery   or   delivery   on
                  nontransferable   securities,  then  Introducing  Broker  will
                  promptly  pay MJKI any  losses  MJKI  may  sustain  (including
                  interest thereon) as a result thereo(pound)

         D.       Introducing  Broker agrees to turn over promptly to MJKI funds
                  or securities  received by  Introducing  Broker from customers
                  with  respect  to  Introduced  Accounts,  together  with  such
                  information  as may be  relevant or  necessary  to enable MJKI
                  promptly and properly to record such  remittances and receipts
                  in respect to  Introduced  Accounts.  MJKI may, at its option,
                  make a  charge  for late  payments  or  deliveries  in such an
                  amount as it, in its sole  discretion,  may determine,  within
                  reasonable industry standards.

         E.       Introducing  Broker shall  promptly pay MJKI the amount of any
                  unsecured  debit  balances in Introduced  Accounts  other than
                  such  introduced  debit  balances  arising  through errors and
                  omissions of MJKI. Upon  Introducing  Broker's  failure to pay
                  MJKI any amount required  above,  MJKI shall have the right to
                  liquidate  a  sufficient   portion  of  any  position  in  the
                  Introducing  Broker's  proprietary  accounts  to satisfy  such
                  obligation.

         F.       Introducing   Broker  shall  have  the  sole   responsibility,
                  including sole supervisory  responsibility with respect to all
                  accounts  handled by the personnel of its  organization.  This
                  responsibility includes, but is not limited to, the following:

                  1.       Determining the amount of commission to be charged to
                           Introduced Accounts;

                  2.       Assuring that no  transactions  are made in violation
                           of any laws or regulations;

                  3.       Selecting,  investigating,  training, registering and
                           supervising  all personnel,  registered or otherwise,
                           who service Introduced Accounts;

                  4.       Establishing  procedures to review  transactions  and
                           trading in Introduced Accounts;

                  5.       Assuring  the   suitability   of  all   transactions,
                           including recommendations made to customers;

                  6.       Assuring  the  appropriateness  of the  frequency  of
                           trading in Introduced Accounts;

                  7.       Handling of any account for an employee or officer of
                           any exchange  member  organization,  self  regulatory
                           organization, bank, trust company, insurance or other

<PAGE>

                           organization  engaged in the securities  business and
                           for  the  compliance   with   applicable   rules  and
                           regulations.

                  8.       Introducing  Broker  agrees to furnish MJKI a copy of
                           its annual Focus Report at the same time  Introducing
                           Broker  files such report with its primary  examining
                           authority.

         G.       Introducing Broker agrees to notify promptly MJKI, in writing,
                  of  reports  provided  by MJKI  that  the  Introducing  Broker
                  requires to supervise and monitor its customer accounts.

         VI.      INDEMNITY, INSURANCE

         A.       Introducing Broker hereby agrees to indemnify, defend and hold
                  harmless   MJKI  from  and  against   all   claims,   demands,
                  proceedings,  suits,  and actions made or brought against MJKI
                  or any of its controlling  persons, and to indemnify MJKI from
                  all  losses,  damages,  expenses  attorney's  fees  and  costs
                  arising out of one or more of the following:

                  1.       Failure of  Introducing  Broker or of a customer with
                           respect to an Introduced Account to make payment when
                           due for  securities  purchased or to deliver when due
                           securities sold for the account of Introducing Broker
                           or such customer;

                  2.       Failure of an Introduced  Account to meet any initial
                           margin call or any maintenance call, except that MJKI
                           shall be responsible only for the portion of any such
                           losses  that  are  directly  attributable  to  MJKI's
                           failure to give proper and timely notification to the
                           customer of any maintenance call;

                  3.       Failure of Introducing Broker to properly perform its
                           duties, obligations and Responsibilities with respect
                           to Introduced Accounts as set forth in the Agreement,
                           it being  understood  that the  participation  of any
                           employee of MJKI with respect to any such transaction
                           shall   not   effect   the    Introducing    Broker's
                           indemnification  obligations  hereunder  unless  such
                           participation  by MJKI's  employee was  fraudulent or
                           grossly negligent;

                  4.       Any dishonest,  fraudulent, negligent or criminal act
                           or  omission  on the  part of any of the  Introducing
                           Broker's  officers,  partners,  controlling  persons,
                           employees, agents or customers;

                  5.       All claims or disputes between Introducing Broker and
                           its customer with respect to the Matters set forth in
                           Section IV, it being understood that; (i) Introducing
                           Broker guarantees the validity of customer orders and
                           the forms  such  orders  are  transmitted  to MJKI by
                           Introducing  Broker and  guarantees to MJKI that each
                           customer   will   promptly  and  fully   perform  its
                           commitments  and  obligations  with  respect  to  all
                           transactions in all of his or her accounts carried by
                           MJKI hereunder and (ii) checks  received by MJKI from
                           Introduced  Accounts  shall  not  constitute  payment
                           until they have been paid and the  proceeds  actually
                           received and credited to MJKI by its bank;

                  6.       The breach by Introducing Broker of any warranty made
                           by it under this Agreement;  (i) MJKI's  guarantee of
                           any  signature  with respect to  transactions  in the
                           Introduced   Accounts;   and  (ii)  the   failure  of
                           Introduced  Accounts to fulfill their  obligations to
                           Introducing  Broker or to MJKI  (whether  or not such
                           failure is in the Introducing Broker's control);

                  7.       Any  adverse  claims  with  respect  to any  customer
                           securities  delivered  or cleared  by MJKI,  it being
                           understood  that  MJKI  shall  be  deemed  to  be  an
                           intermediary   between  Introducing  Broker  and  the
                           customer  and shall be  deemed to make no  warranties
                           other than those provided in Section  8-306(3) of the
                           Uniform Commercial Code;

<PAGE>

         B.       MJKI shall  indemnity,  defend and hold  harmless  Introducing
                  Broker  from and against  all  claims,  demands,  proceedings,
                  suits and actions  and all  liabilities  expenses,  attorney's
                  fees and  costs in  connection  therewith  arising  out of any
                  grossly  negligent,  dishonest,  fraudulent or criminal act or
                  omission  on  the  part  of any  of  its  officers,  partners,
                  controlling  persons or employees with respect to the services
                  provided by MJKI under this Agreement.

         C.       Introducing  Broker  agrees to keep in full force and effect a
                  stockbroker's  blanket bond (Form 14),  with  coverage for all
                  insuring clauses and other insurances required by the rules of
                  any exchange or the NASD as of the date of this  Agreement and
                  in at least the minimum required limits and to furnish MJKI at
                  the time of the Introducing  Broker's annual audit a statement
                  from its  auditors  to the  effect  that the bonds are in full
                  force and effect. MJKI reserves the right to require a similar
                  confirmation from Introducing Broker at any time.  Introducing
                  Broker agrees to give MJKI prompt written notice of any change
                  or cancellation of the insurance referred to above.

         VII.     DURATION AND TERMINATION OF AGREEMENT

         A.       This  Agreement  shall take effect upon execution and delivery
                  by the parties  and shall  continue in force for a term of one
                  year.

         B.       Unless written notice  oftermination  shall have been received
                  from the other prior to the expiration of the initial term, or
                  any   additional   term,  the  term  ofthe   Agreement   shall
                  automatically be extended for a further twelve (12) months.

         C.       Either party may terminate this  Agreement  during the initial
                  term or any additional term by giving (thirty) 30 days written
                  notice of its desire to terminate this Agreement. Violation by
                  either  party  of any  provision  of  this  Agreement,  or the
                  bankruptcy or insolvency of either party,  or the  appointment
                  of a receiver or trustee over the assets or business of either
                  party will subject the Agreement to automatic termination.

         D.       The  termination of this  Agreement for any reason,  shall not
                  release either party from any liability or  responsibility  to
                  the other as of the date of  termination,  whether or not then
                  ascertained,  provided  that such  liability  shall  relate to
                  transactions prior to the effective date of such termination.

         VIII.    ASSIGNMENT

         This  Agreement  shall  be  binding  and  inure to the  benefit  of the
         Introducing  Broker  and MJKI,  and  their  respective  successors  and
         assigns,  except that Introducing Broker may not assign or transfer its
         rights hereunder  without the prior written consent of MJKI, which will
         not be unreasonably withheld within industry standards.

         IX.      ARBITRATION

         Any and all disputes or  controversies  between the parties relating to
         or arising out of this  Agreement  shall be resolved by  arbitration to
         the  full  extent  provided  by  law.  Such  arbitration  shall  be  in
         accordance with the rules then in effect of the National Association of
         Securities  Dealers,  Inc.  and  any  such  hearing  shall  be  held in
         Minneapolis, Minnesota. Judgment upon any award rendered by arbitration
         may be entered in any court having jurisdiction thereof.

         X.       FINANCIAL INFORMATION, REPORTS AND CAPITAL WITHDRAWLS

         A.       Introducing  Broker  agrees to  furnish  to MJKI a copy of all
                  FOCUS Reports under Rule 17a-5 of the Securities  Exchange Act
                  of 1934, when filed as required, and quarterly balance sheets.

<PAGE>

         B.       Introducing  Broker  agrees to give MJKI at least  thirty (30)
                  days written notice prior to any capital withdrawals exceeding
                  in the  aggregate  ten (10)  percent of its net capital  under
                  Rule 15c3-1 of the Securities Exchange Act of 1934 as reported
                  in Introducing  Broker's most recent FOCUS Report furnished to
                  MJKI.

         XI.      NET CAPITAL

         A.       Introducing  Broker  agrees to  maintain  minimum  net capital
                  acceptable  to MJKI or as  required  under  the  Rules  of the
                  Securities Exchange Commission,  or the NASD, whichever of the
                  above  is  higher,  and to  maintain  at all  times a ratio of
                  aggregate  indebtedness  to net capital not in excess of 10 to
                  1.

         B.       Introducing Broker agrees to notify MJKI promptly,  but in any
                  event, within three (3) business days if its net capital ratio
                  exceeds 8 to 1.

         XII.     GENERAL

         A.       Notice, as provided herein, shall be by certified mail, return
                  receipt requested,  and shall be sent to Introducing Broker at
                  the address in this Agreement. Notice to MJKI shall be sent to
                  the address  stated in this  Agreement  to the  attention  of:
                  Eldon C. Miller,  CEO. The address to which notice is sent may
                  be changed in writing by either party.

         B.       This  Agreement  contains  the entire  Agreement  between  the
                  parties  and cannot be amended or  modified  except in writing
                  executed by both parties.

         C.       Neither this Agreement nor the operations  hereunder  shall be
                  deemed  to  create  a joint  venture,  partnership  or  agency
                  relationship.

         D.       Introducing   Broker   agrees  not  to  use  MJKI's   name  in
                  advertising or any  promotional  matters  without the explicit
                  written consent of MJKI.

         E.       This  Agreement  shall be deemed a contract  under the laws of
                  the  State  of  Minnesota  and  for  all  purposes,  shall  be
                  construed  and  enforced  in  accordance  with the laws of the
                  state.

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

                                            MILLER JOHNSON & KUEHN, INCORPORATED

By: /s/ MICHAEL B. CRATTY                   By /s/ PAUL R MEEHL
Michael B. Cratty                           Paul R. Meehl
Its President                               Its Vice President
Dated: 11-2-99                              Dated: 11-3-99
      -------------                               --------------USER AGREEMENT
                        For Virtual Wall Street Clients

         AGREEMENT  entered by and between  Automated  Financial  Systems,  Inc.
("AFS"),  Virtual Wall Street,  Inc.  ("Broker"),  and Online Stock Market, Inc.
("Customer").

         WHEREAS,  AFS has developed an interactive  voice response system known
as TempestTM and an  internet-based  system known as  ProsperoSM  for the use of
Broker  and  Broker's  customers  ("Customers")  in  accessing  their  accounts,
collectively known as the "Base Software System";

         WHEREAS,  AFS and Broker have entered a Service Bureau  Agreement as of
October 29, 1999 which allows Broker access and use of the Base Software System;

         WHEREAS,  the parties intend to set forth the terms under which AFS and
Broker will allow Customer to access and use the Base Software System.

         NOW  THEREFORE,  for valid  consideration  the  sufficiency of which is
hereby acknowledged, the parties hereby agree to the following:

1.       Services.  AFS shall take all steps  necessary to allow Customer to use
         the Base Software  System to review account  information,  enter orders
         for the purchase or sale of securities and obtain securities prices.

2.       Duties  of  Customer.   Customer  shall  be  solely   responsible   for
         maintaining  all  passwords  and codes  provided to them to ensure that
         access to the Base Software System is granted only to those individuals
         who are authorized.  Nothing in this paragraph shall affect or diminish
         AFS's right,  in its sole  discretion,  to refuse to provide any or all
         Base Software System services to Customers.

3.       Indemnification.

         (a)      Customer shall indemnify and hold AFS harmless for any and all
                  losses,  costs and  damages,  including  reasonable  attorneys
                  fees, incurred by AFS as a result of (i) an act or omission by
                  Customer with respect to the Base Software  System's  security
                  procedures;  (ii) any  intellectual  property  infringement by
                  Customer,  and (iii) the  negligence or willful  misconduct of
                  Customer.

         (b)      AFS agrees to  indemnify  and hold  harmless  Customer for and
                  against any  claims,  suits or  actions:  i) by third  parties
                  alleging   infringement   of  a  U.S  copyright  or  trademark
                  involving  Customer's use of the Base Software System,  except
                  where such  infringement is the result of modifications to the
                  Base  Software  System by  Customer  or its  employees  or its
                  agents  other than AFS ii)  arising out of the  negligence  or
                  willful misconduct

         (c)      Customer  shall hold Broker  harmless  for any and all losses,
                  costs  and  damages,  including  reasonable  attorneys  fees.,
                  incurred  by Broker as a result of (i) an act or  omission  by
                  AFS  with  respect  to the  Base  Software  System;  (ii)  any
                  intellectual property infringement by

<PAGE>

                  RELATING TO OR IN  CONNECTION  WITH THE BASE  SOFTWARE  SYSTEM
                  SHALL NOT EXCEED THE TOTAL AMOUNT PAID TO AFS BY BROKER DURING
                  THE MOST RECENT CALENDAR YEAR.

         4.       Ownership. Customer acknowledges that the Base Software System
                  is a service of AFS.  AFS shall at all times be and remain the
                  sole and exclusive owner of the Base Software System

         5.       Governing  Law.  This  Agreement  shall be  governed  by,  and
                  construed in  accordancee  with,  the laws of the State of New
                  York, without regard to any otherwise  applicable  conflict of
                  laws or other choice of law principles.

         IN WITNESS WHEREOF,  the parties have executed this Agreement as of the
         28th day of October 1999.

Automated Financial Systems, Inc.        Virtual Wall Street, Inc.
By: /s/ ????????                         By: A Jonathan Buhalis
Its: President                           A. Jonathan Buhalis
                                         Its: Chief Executive Officer

                                         Customer
                                         Online Stock Market, Inc.

                                         By: Michael B. Cratty
                                         Michael Bryant Cratty
                                         Its: Chief Executive Officer

<PAGE>

AFS Service Bureau Pricing                                  AFS Automated
Aa of October 5, 1999                                           Financial
                                                                Systems

                  Service Bureau Pricing Schedule - Exhibit A
                             For Online Stock Market
                      Pricing is for 12-month contract term

--------------------------------------------------------------------------------
                    TEMPEST IVR PRICING FOR TELEPHONE ACCESS

Tempest Touch-Tone IVR Pricing

                 First 1,200 hours      20(cent) per minute
                 Next 1,200 hours       17(cent) per minute
                 Additional minutes     15(cent) per minute

             Tempest System pricing includes national long distance
          charges & real-time quote fees. FCC Payphone surcharge will
                       be billed additionally as required.
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
                    PROSPERO WEB PRICING FOR INTERNET ACCESS

              Each of these price schedules provides access to all
           available system features. Customers are allowed to change
                 price schedules once during the contract term.

Schedule A - Trade based plan for retail users

               $2.00 per trade          first I000 trades
               $1.50 per trade          1000 - 3000 trades
               $1.00 per trade          3000 - 6000 trades
               75(cent) per trade       6000+ trades

Schedule B - User based plan for retail users

                              $2 per User Monthly
                               75(cent) per trade

Schedule C - Login based plan for retail users

               First 3500 logins        45(cent) per login
               Next 7000 logins         40(cent) per login
               Next 11000 logins        30(cent) per login
               Next 18000 logins        25(cent) per login
               Next 28000 logins        20(cent) per login
               Next 32500  logins       15(cent) per login
               Over  100000 logins      -negotiable-
               On weekends all logins are Free*

Pleaseadd 2.25(cent) per Real Time Quote (3.5(cent) for OPRA Real Time Quotes).
           Delayed quotes are flee as part of an AFS system solution.
--------------------------------------------------------------------------------

AFS Confidential  Not for disclosure without written permission from AFS  Page 1

<PAGE>

AFS Service Bureau Pricing                                  AFS Automated
As of October 5, 1999                                           Financial
                                                                Systems

--------------------------------------------------------------------------------
                            PROSPERO ACCOUNT LOOK-UP
           (Positions, Balances, Transaction History, Delayed Quotes)

                 Number of active                Price per active
                 users per month                 user per month

                    0 - 25,000                        $1.00
               25,001 - 50,000                      .80(cent)
               50,001 - 75,000                      .60(cent)
               75,001 - 100,000                     .40(cent)
              100,001+                              Negotiable
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
                     PROSPERO PRO - BROKER DESKTOP PRICING

                              $30 per User Monthly
                             $1 per executed trade

     Pleaseadd 2.25(cent) per Real Time Quote (3.5(cent) for OPRA Real Time
       Quotes). Delayed quotes are free as part of aa AFS system solution.
                 For AMEX quotes for Registered Reps there is a
                  $32 per month user fees plus 1(cent) a quote
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
                          SYSTEM ADMINISTRATION MODULE

                            $100 per Station Monthly

A minimum of one System  Administration  Module is  required  per system for new
customer set-ups, order research & reporting,  order review & release and system
monitoring.
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
                ONE-TIME SYSTEM SIGN-UP FEES & MONTHLY MINIMUMS

One-Time System Set-Up Charges

          $10,000 - 1st System  Set-up  fee for:
          - Custom web/home page integration & look-and-feel
          - Custom business rules and help text
          - Configuration of back-office connection
          - System Administration Training

          $5,000 - per additional System  Set-up, assuming:
          -  Custom web/home page integration & look-and-feel in new, and
          - Business rules and help text are the same as I a system
          - System  Admin Module is the same as 1st system
          - Connection to the back-up is the same as lst system
--------------------------------------------------------------------------------

AFS Confidential  Not for disclosure without written permission from AFS  Page 2
<PAGE>

AFS Service Bureau Pricing                                  AFS Automated
As of October 5, 1999                                           Financial
                                                                Systems

--------------------------------------------------------------------------------
Monthly Minimum Charges

          $2,500 monthly minimum charge per customer
          - All AFS-based transactional charges are applied to the
            monthly minimum.
          - Quote usage fees and 3rd Party System Content does not apply
            to the monthly minimum.

For Online Stock Market,  AFS agrees to the  following  Monthly  Minimum  Charge
Schedule to support a ramped up rollout of the new Internet service.

          Month 1         $0.00
          Month 2         $500.00
          Month 3         $1,000.00
          Month 4         $1,500.00
          Month 5         $2,000.00
          Month 6         $2,500.00
          Month 7 +       $2,500.00

These charges will be due upon  production  system cutover as defined by the day
that the first production trade is executed. The monthly minimum fee will be due
every month from that date forward.

This schedule will be terminated and the standard  $2,500 monthly minimum charge
will be due if the monthly trade activity during months 1 to 6 is 1,000+ trades.
The  monthly  minimum  charge  from that  time  forward  will be AFS's  standard
$2,500.00.
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
                          OPTIONAL AFS SYSTEM FEATURES

Feature                                      Price
Quick-Trade module activation fee            $3,000 one-time charge

Personalized Web Trading Demo System         $100 per month

Overnight customer/activity loading Module   $600 per month

(Includes  payments,  dividends,  journal  entries,   reinvestments,   automatic
customer setup, etc.)

Investment Portfolio Module                  $1 per account per month

Contact Manager Module                       $5 per broker per month
(For Brokers/Registered Reps only)
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
                          OPTIONAL AFS SYSTEM CONTENT

Feature                                      Price
Zacks Investment Research                    $5 per user per month

Web Digital's GoInvest                       $1,000 sign-up fee
(Graphs, Charts, News,                       $1,000 monthly minimum
Recommendations, Historical data, etc.)      1 (cent) per page view

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

AFS Confidential  Not for disclosure without written permission from AFS  Page 3

<PAGE>

AFS Service Bureau Pricing                                  AFS Automated
As of October 5, 1999                                           Financial
                                                                Systems

--------------------------------------------------------------------------------
                             ADDITIONAL INFORMATION

Intemet  connectivity  or a dedicated  line will be required to remotely  access
order approval and administration screens.

For the Web Trading  System,  Domain Name must be provided or one in the form of
company.automatedfinancial.com will be provided by AFS.

Additional back office development fees may apply.

Customer is responsible  for all back office  related fees.  Please confirm with
your back-office and Clearing Company for any additional charges.

AFS pricing may change without notice.
--------------------------------------------------------------------------------

AFS Confidential Not for disciosure without written permission from AFS   Page 4

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