Document:

Exhibit 10(t)

                          REGISTRATION RIGHTS AGREEMENT

                  REGISTRATION RIGHTS AGREEMENT dated as of April 28, 2000 (this
"Agreement")  between Capita Research  Group,  Inc., a Nevada  corporation  (the
"Company"), and Richard D'Avanzo (the "Stockholder").

                  WHEREAS:

                  A. In connection with the Securities Purchase Agreement by and
between the Company and the  Stockholder  and dated of even date  herewith  (the
"Securities  Purchase  Agreement"),  the Company has agreed,  upon the terms and
subject to the conditions of the  Securities  Purchase  Agreement,  to issue and
sell to the Stockholder  40,000 of the Company's units (the "Units"),  each unit
consisting of (i) one share of the Company's  common stock,  $.001 par value per
share (the "Common Stock"),  and (ii) one of the Company's Common Stock Purchase
Warrants to purchase one share of the Company's  Common Stock  exercisable  at a
purchase price of $1.35 per share of Common Stock (the "Warrants")  (such shares
of Common Stock issued upon exercise of the Warrants are hereinafter referred to
as the  "Warrant  Shares",  and  together  with the Units,  Common Stock and the
Warrants, the "Securities"); and

                  B. To induce  the  Stockholder  to  execute  and  deliver  the
Securities  Purchase  Agreement,  the  Company  has  agreed to  provide  certain
registration rights under the Securities Act of 1933, as amended,  and the rules
and regulations thereunder, or any similar successor statute (collectively,  the
"Securities Act"), and applicable state securities laws;

                  NOW, THEREFORE,  in consideration of the mutual benefits to be
derived and the conditions and promises  herein  contained,  and intending to be
legally bound hereby, the parties hereto agree as follows:

                  1. Registration of Common Stock. (a) In the event that, at any
time,  the Company  proposes  to  register  the sale of any shares of its Common
Stock,  to be issued by the  Company  or sold by any  holder of shares of Common
Stock (the "Registration  Shares") under the Securities Act, other than pursuant
to a registration statement on Forms S-4 or S-8, or any successor to such Forms,
for the purpose of the  issuance,  sale or other  transfer  of the  Registration
Shares by the Company or such holder,  the Company  shall mail or deliver to the
Stockholder at least 25 days prior to the filing of the  registration  statement
covering such Registration Shares, a written notice (a "Registration Notice") of
its intention so to register the Registration Shares, and specifying the date by
which the Supplemental Notice referred to in Section 1(b) below must be returned
to the Company.

                  (b) In the event that a Registration Notice shall have been so
mailed or delivered,  the Stockholder,  at such person's  election,  may mail or
deliver to the Company a written notice (a "Supplemental Notice") (i) specifying
the number of shares of Common Stock ("Supplemental  Registration  Shares") held
by the Stockholder or issued or issuable upon the exercise of Warrants  proposed
to be sold or otherwise  transferred  by the  Stockholder,  (ii)  describing the
proposed  manner of sale or other  transfer  thereof  and (iii)  requesting  the
registration  thereof under the Securities  Act;  provided,  however,  that such
Supplemental  Notice shall be so mailed or delivered by the Stockholder not more
than 15 days after the date of the Registration Notice.
<PAGE>

                  (c) From and  after  receipt  of a  Supplemental  Notice,  the
Company  shall,  subject to the prior sale or other  transfer  of some or all of
such  Registration  Shares,  use  its  reasonable  best  efforts  to  cause  the
Supplemental  Registration  Shares specified in such  Supplemental  Notice to be
registered  under the  Securities  Act and to effect and to comply with all such
regulatory  qualifications  and  requirements  as may be necessary to permit the
sale or other transfer of such  Supplemental  Registration  Shares in the manner
described  in  such  Supplemental   Notice,   including,   without   limitation,
qualifications  under  applicable  blue  sky  or  other  state  securities  laws
(provided  that the Company  shall not be required in  connection  therewith  to
qualify as a foreign  corporation or to execute a general  consent to service of
process in any jurisdiction);  provided,  however, that (i) if in the case of an
underwritten public offering of the Registration Shares the managing underwriter
shall advise the Company that the inclusion of some or all of such  Supplemental
Registration Shares would, in such managing underwriter's  judgment,  materially
interfere with the proposed  distribution of the Registration  Shares,  then the
Company may,  upon written  notice to the  Stockholder,  reduce or eliminate the
Supplemental  Registration  Shares  otherwise to be included in the registration
statement (if and to the extent such  reduction or  elimination  is indicated by
such managing underwriter as necessary to eliminate such interference),  (ii) if
any  firm  of  counsel   representing   the  Company  in  connection  with  such
registration or representing the Stockholder that is reasonably  satisfactory to
the Company shall advise the Company and the  Stockholder in writing that in its
opinion the  registration  under the Securities Act  contemplated  hereby is not
necessary  to permit  the sale of the  Supplemental  Registration  Shares in the
intended method of disposition by the Stockholder, then the Company shall not be
required to take any action  with  respect to such  registration  or other steps
contemplated  hereby, (iii) the Company shall have the right to delay or abandon
such  registration  at any time in the event that the Board of  Directors of the
Company  determines in good faith that such delay or  abandonment is in the best
interest  of the  Company,  and  (iv)  in the  case  of an  underwritten  public
offering,  the right of the Stockholder to registration pursuant to this Section
1 shall be conditioned  upon the  Stockholder's  participation in the applicable
underwriting   arrangements   and  execution  of  the  applicable   underwriting
agreement.

                  (d) If and whenever the Company is required by the  provisions
of this Section 1 to use its reasonable best efforts to effect the  registration
under the Securities Act of any securities  requested to be so registered by the
Stockholder, the Company will, as promptly as practicable:

                           (i) prepare and file with the Securities and Exchange
                  Commission (the  "Commission")  a registration  statement with
                  respect to such securities and use its reasonable best efforts
                  to cause such registration statement to become effective;

                           (ii)  prepare  and  file  with  the  Commission  such
                  amendments and supplements to such registration  statement and
                  the  prospectus  used  in  connection   therewith  as  may  be
                  necessary to keep such registration  statement effective for a
                  period from the date of the effectiveness  thereof through the
                  earlier  of (1) the date  which is nine (9)  months  after the
                  date of  effectiveness  thereof  and (2) the date on which all
                  Supplemental Registration Shares included in such registration
                  statement shall have been sold or otherwise disposed of by the
                  Stockholder  pursuant to such registration  statement,  and to
                  comply with the  provisions of the Securities Act with respect
                  to the sale or other disposition of all shares of Common Stock
                  covered   by  such   registration   statement   whenever   the
                  Stockholder  shall desire to sell or otherwise  dispose of the
                  same within such period;
<PAGE>

                           (iii)  furnish  to the  Stockholder  such  number  of
                  copies of a prospectus, including a preliminary prospectus and
                  final  prospectus,  in conformity with the requirements of the
                  Securities  Act, and such other documents as may reasonably be
                  requested  thereby in order to  facilitate  the public sale or
                  other  disposition  of  such  shares  of  Common  Stock  owned
                  thereby;

                           (iv) notify the  Stockholder  promptly of any request
                  by the  Commission  for the  amendment or  supplement  of such
                  registration   statement  or  prospectus  or  for   additional
                  information, and notify the Stockholder promptly of the filing
                  of each amendment or supplement to such registration statement
                  or prospectus;

                           (v) advise the  Stockholder,  promptly after it shall
                  receive  notice,  of the  issuance  of any  stop  order by the
                  Commission  suspending the  effectiveness of such registration
                  statement or the  initiation or  threatening of any proceeding
                  for that purpose and promptly use its reasonable  best efforts
                  to  prevent  the  issuance  of any stop order or to obtain its
                  withdrawal if such stop order should be issued; and

                           (vi) notify the Stockholder,  in writing, at any time
                  when a  prospectus  relating to such shares of Common Stock is
                  required to be delivered  under the  Securities Act within the
                  appropriate   period  mentioned  in  clause  (ii)  immediately
                  preceding,  of the happening of any event as a result of which
                  the prospectus  included in such  registration  statement,  as
                  then in effect,  includes  an untrue  statement  of a material
                  fact or omits to state a material  fact  required to be stated
                  therein  or  necessary  to make  the  statements  therein  not
                  misleading in the light of the  circumstances  then  existing,
                  and  promptly  prepare  (and  file  with the  Commission)  and
                  furnish to the Stockholder a reasonable  number of copies of a
                  supplement  to or an  amendment of such  prospectus  as may be
                  necessary so that, as thereafter  delivered to the  purchasers
                  of such  shares of Common  Stock,  such  prospectus  shall not
                  include  an untrue  statement  of a  material  fact or omit to
                  state  a  material  fact  required  to be  stated  therein  or
                  necessary to make the statements therein not misleading in the
                  light of the circumstances then existing.

                  (e) The  Stockholder  agrees  to  furnish  the  Company   such
information  regarding  itself and the  proposed  distribution  of  Supplemental
Registration  Shares by the  Stockholder  as the  Company  may from time to time
reasonably  request in writing in order to prepare a registration  statement and
prospectus or any supplement or amendment thereto pursuant to the Securities Act
and the rules and regulations promulgated thereunder.
<PAGE>

                  (f) The  Stockholder  agrees  that,  upon receipt of a written
notice from the Company of the  happening of any event of the kind  described in
clause (vi) of Section 1(d) above, it will forthwith discontinue its disposition
of  Supplemental  Registration  Shares  pursuant to the  registration  statement
relating  to such  Supplemental  Registration  Shares  until its  receipt of the
copies of the supplemented or amended prospectus  contemplated by clause (vi) of
Section 1(d) above and, if so requested by the Company in writing,  will deliver
to the Company (at the  Company's  expense)  all copies then in its  possession,
other  than  permanent  file  copies,   of  the  prospectus   relating  to  such
Supplemental Registration Shares; provided,  however, that in the event that the
Stockholder  discontinues  its disposition of Supplemental  Registration  Shares
pursuant  to  the   foregoing   provisions,   the  nine  month  period  for  the
effectiveness  of the  registration  statement  shall be  extended by the period
during which the Stockholder discontinued its disposition.

                  (g) The  Company  shall pay all  expenses  (the  "Registration
Expenses")  necessary  to  effect  under  the  Securities  Act any  registration
statements,  amendments or  supplements  filed pursuant to this Section 1 (other
than any underwriters'  discounts and commissions and any brokerage  commissions
and fees payable with respect to shares of Common Stock sold by the  Stockholder
and legal fees and expenses of counsel to the Stockholder),  including,  without
limitation,   printing  expenses,  fees  of  the  Commission  and  the  National
Association of Securities  Dealers,  Inc.,  expenses of compliance with blue sky
and other state  securities  laws, and accounting and legal fees and expenses of
counsel to the Company.

                  (h) The  Stockholder  agrees  that,  in the event the  Company
files a  registration  statement  under the  Securities  Act with  respect to an
underwritten  public  offering  of any  securities  of  the  Company  for  cash,
primarily for the account of the Company, in which the Stockholder was permitted
to participate  (whether or not the Stockholder  does in fact  participate),  if
required by an underwriter,  the Stockholder  will not effect any public sale or
distribution,  including  any sale  pursuant to Rule 144  promulgated  under the
Securities  Act,  of any equity  securities  of the  Company  or any  securities
convertible  into or  exchangeable or exercisable for any equity security of the
Company (other than as part of such  underwritten  public  offering)  during the
seven  days  prior to,  and such  period  after  (not to exceed in any event 180
days), the  effectiveness of such  registration  statement as may be required by
such underwriter.

                  (i) In the event of any registration  pursuant to this Section
1 covering shares of Common Stock  beneficially  owned by the  Stockholder,  the
Company will  indemnify  and hold harmless the  Stockholder,  and each person or
entity,  if  any,  who  controls  the  Stockholder  within  the  meaning  of the
Securities Act  (collectively,  the "Indemnitees")  against any losses,  claims,
damages,  costs, expenses (including reasonable attorneys' fees), or liabilities
(or actions in respect  thereof) to which the Stockholder or controlling  person
or entity becomes  subject,  under the  Securities Act or otherwise,  insofar as
such losses,  claims,  damages,  costs,  expenses or liabilities  (or actions in
respect  thereof) arise out of or are based upon any untrue statement or alleged
untrue  statement of any  material  fact  contained in the related  registration
<PAGE>

statement,  any preliminary prospectus or final prospectus contained therein, or
any  amendment  or  supplement  thereto,  or arise out of or are based  upon the
omission or alleged  omission to state  therein a material  fact  required to be
stated  therein or necessary to make the  statements  therein not  misleading in
light of the circumstances in which they were made; provided,  however, that the
Company will not be liable in any such case to an  Indemnitee to the extent that
any such loss,  claim,  damage,  cost,  expense or liability arises out of or is
primarily  based upon (x) an untrue  statement  or alleged  untrue  statement or
omission or alleged omission made in such  registration  statement,  preliminary
prospectus,  prospectus  or  amendment  or  supplement  in reliance  upon and in
conformity with written  information  furnished by any Indemnitee,  specifically
for use in the preparation thereof or (y) such Indemnitee's failure to deliver a
copy of the prospectus or any amendments or supplements  thereto (if required by
applicable  law) to the person  asserting any loss,  claim,  damage or liability
after the Company has furnished such  Indemnitee with the same. The Company also
agrees to reimburse each  Indemnitee for any legal or other expenses  reasonably
incurred by such  Indemnitee in connection with  investigating  or defending any
such loss, claim, damage, liability or action.

                  (j) In the event of any registration  pursuant to this Section
1 covering shares of Common Stock  beneficially  owned by the  Stockholder,  the
Stockholder shall indemnify and hold harmless the Company, each of its directors
and  officers  who has signed any  registration  statement,  and each  person or
entity,  if any, who controls the Company  within the meaning of the  Securities
Act, against any losses, claims,  damages, costs, expenses (including reasonable
attorneys'  fees) or  liabilities  (or actions in respect  thereof) to which the
Company or any such director,  officer,  or controlling  person becomes subject,
under the Securities Act or otherwise,  insofar as such losses, claims, damages,
costs,  expenses or liabilities (or actions in respect thereof)  primarily arise
out of or are based upon any untrue or alleged untrue  statement of any material
fact  contained  in the  related  registration  statement,  and any  preliminary
prospectus or final prospectus contained therein, or any amendment or supplement
thereto, or primarily arise out of or are based upon the omission or the alleged
omission  to state  therein a material  fact  required  to be stated  therein or
necessary  to make  the  statements  therein  not  misleading  in  light  of the
circumstances  in which they were made, in each case to the extent,  but only to
the extent, that such loss, claim,  damage, cost, expense or liability primarily
arises  out of or is based  upon  (x) an  untrue  statement  or  alleged  untrue
statement or omission or alleged omission made in such  registration  statement,
preliminary prospectus, prospectus, amendment or supplement in reliance upon and
in conformity with written information furnished by the Stockholder specifically
for use in the preparation thereof or (y) the Stockholder's failure to deliver a
copy of the prospectus or any amendments or supplements  thereto (if required by
applicable  law) to the person  asserting any loss,  claim,  damage or liability
after the Company has furnished the  Stockholder  with the same. The Stockholder
shall reimburse any legal or other expenses  reasonably  incurred by the Company
or any such director,  officer,  or  controlling  person or entity in connection
with  investigating  or defending  any such loss,  claim,  damage,  liability or
action. The liability of the Stockholder  pursuant to this Section 1(j) shall be
limited  to the total  proceeds  from the  offering  (net of sales  commissions)
received by the Stockholder.

                  (k) Promptly after receipt by an indemnified  party under this
Section 1 of notice of the commencement of any action,  such  indemnified  party
shall,  if a claim in respect  thereof is to be made  against  any  indemnifying
party under this Section 1, notify the  indemnifying  party of the  commencement
thereof;  provided,  however,  that failure to so notify the indemnifying  party
shall not affect an indemnifying  party's obligations  hereunder,  except to the
extent that the indemnifying party is materially prejudiced by such failure. The
indemnifying  party  shall be entitled  to appoint  counsel of the  indemnifying
party's choice at the indemnifying  party's expense to represent the indemnified
party in any  action  for which  indemnification  is sought  (in which  case the
indemnifying party shall not thereafter be responsible for the fees and expenses
of any separate counsel  retained by the indemnified  party or parties except as
set forth  below);  provided,  however,  that such counsel  shall be  reasonably
satisfactory to the indemnified party.  Notwithstanding the indemnifying party's
election to appoint counsel to represent the indemnified party in an action, the
indemnified  party shall have the right to employ  separate  counsel  (including
<PAGE>

local counsel), and the indemnifying party shall bear the reasonable fees, costs
and expenses of such  separate  counsel if (i) the use of counsel  chosen by the
indemnifying party to represent the indemnified party would present such counsel
with a conflict of  interest,  (ii) the actual or  potential  defendants  in, or
targets  of,  any  such  action  include  both  the  indemnified  party  and the
indemnifying  party and the indemnified  party shall have  reasonably  concluded
that  there  may be legal  defenses  available  to it and/or  other  indemnified
parties  which  are  different  from or  additional  to those  available  to the
indemnifying party, (iii) the indemnifying party shall not have employed counsel
reasonably  satisfactory to the  indemnified  party to represent the indemnified
party within a reasonable time after notice of the institution of such action or
(iv) the  indemnifying  party shall  authorize the  indemnified  party to employ
separate  counsel at the expense of the  indemnifying  party.  It is understood,
however,  that the  indemnifying  party shall,  in connection  with any one such
action or  separate  but  substantially  similar or related  actions in the same
jurisdiction  arising out of the same general  allegations or circumstances,  be
liable  for the  reasonable  fees  and  expenses  of only one  separate  firm of
attorneys (in addition to any local counsel) at any time.

                  (l) No  indemnifying  party shall,  without the prior  written
consent of the  indemnified  party,  effect  any  settlement  of any  pending or
threatened action,  suit or proceeding in respect of which any indemnified party
is or could have been a party and indemnity could have been sought  hereunder by
such indemnified party, unless such settlement includes an unconditional release
of such  indemnified  party from all  liability  on claims  that are the subject
matter of such action, suit or proceeding.

                  (m) With respect to any underwritten offering, the Stockholder
(if  shares of Common  Stock of the  Stockholder  are  included  in the  subject
registration  statement)  and the Company  shall,  in addition to the foregoing,
provide the  underwriter  of such offering with  customary  representations  and
warranties,  and indemnification and contribution,  in each instance as shall be
reasonably  requested  by the  underwriter,  provided,  however,  that  any such
agreement to indemnify an underwriter with respect to any preliminary prospectus
shall not inure to the  benefit of any such  underwriter  to the extent that any
loss, claim,  damage, cost, expense or liability of any such underwriter results
solely from an untrue  statement of material fact  contained in, or the omission
of a material fact from, such  preliminary  prospectus which untrue statement or
omission was corrected in the final  prospectus,  if such underwriter  failed to
send or give a copy of the final  prospectus to the person  asserting such loss,
claim,   damage,  cost,  expense  or  liability  at  or  prior  to  the  written
confirmation of the sale of such securities to such person, and provided further
that any such agreement by the Stockholder to indemnify an underwriter  shall be
on a several (and not joint)  basis in  proportion  to the number of  securities
sold by the  Stockholder in such  underwritten  offering and shall be limited in
amount to the net  proceeds  received by the  Stockholder  in such  underwritten
offering.
<PAGE>

                  (n) If the  indemnification  provided for in this Section 1 is
unavailable  to any  indemnified  party  with  respect  to any  losses,  claims,
damages,  liabilities  or expenses  referred to therein,  then the  indemnifying
party, in lieu of indemnifying  such indemnified  party,  will contribute to the
amount paid or payable by such  indemnified  party,  as a result of such losses,
claims,  damages,   liabilities  or  expenses  (i)  in  such  proportion  as  is
appropriate to reflect the relative  benefits  received by the indemnified party
on the one hand, and the indemnifying party on the other hand, from the offering
or (ii) if the  allocation  provided  by clause  (i) above is not  permitted  by
applicable  law, in such  proportion as is  appropriate  to reflect not only the
relative benefits referred to in clause (i) above but also the relative fault of
the  indemnified  party on the one hand,  and of the  indemnifying  party on the
other hand, in connection  with the  statements or omissions  which  resulted in
such  losses,  claims,  damages,  liabilities  or  expenses as well as any other
relevant  equitable  considerations.  The  relative  benefits  received  by  the
indemnified party on the one hand, and the indemnifying party on the other hand,
shall be deemed to be in the same  proportion  as the  total  proceeds  from the
offering (net of sales  commissions)  received by the indemnified party relative
to such proceeds  received by the indemnifying  party. The relative fault of the
indemnified party on the one hand, and the indemnifying party on the other hand,
will be determined with reference to, among other things,  whether the untrue or
alleged untrue  statement of a material fact or the omission to state a material
fact  relates  to  information   supplied  by  the  indemnified   party  or  the
indemnifying  party, and its relative intent,  knowledge,  access to information
and  opportunity  to correct or prevent such  statement or omission.  The amount
payable by a party as a result of the losses,  claims,  damages,  liabilities or
expenses referred to above will be deemed to include, subject to the limitations
set forth in Section 1(o) below, any legal or other fees or expenses  reasonably
incurred by such party in connection with  investigating or defending any action
or claim.

                  (o) The  indemnified  party and the  indemnifying  party agree
that it would not be just and equitable if contribution pursuant to this Section
1 were  determined  by pro rata  allocation or by any other method of allocation
which does not take into  account the  equitable  considerations  referred to in
Section  1(n). No person  committing  fraudulent  misrepresentation  (within the
meaning  of  Section  11(f)  of  the  Securities   Act)  shall  be  entitled  to
contribution or  indemnification  from any person not committing such fraudulent
misrepresentation.

                  2.  Legend and Compliance with Securities  Laws. (a) The stock
certificates evidencing the shares of Common Stock of the Stockholder subject to
this Agreement shall bear a legend reading substantially as follows:

                           "The Shares  represented by this Certificate have not
                  been  registered  under the Securities Act of 1933, as amended
                  (the  "Act"),  but have been issued  pursuant to an  exemption
                  from such  registration.  Neither such Shares nor any interest
                  therein may be sold,  transferred,  pledged,  hypothecated  or
                  otherwise  disposed  of until  either (i) the  holder  thereof
                  shall  have  received  an  opinion  from  counsel   reasonably
                  satisfactory  to the Company that  registration  thereof under
                  the Act is not required or (ii) a registration statement under
                  the  Act  covering  such  Shares  or  such  interest  and  the
                  disposition  thereof  shall have  become  effective  under the
                  Act."

                  (b) In the event that a  registration  statement  covering the
shares of Common Stock of the Company owned by the Stockholder which are subject
to this Agreement shall become  effective under the Securities Act and under any
applicable  state securities laws or in the event that the Company shall receive
an opinion of counsel to the holder of such  shares of Common  Stock in form and
substance  reasonably  satisfactory  to the Company that, in the opinion of such
counsel, the above stated legend is not, or is no longer,  necessary or required
under applicable law (including, without limitation, because of the availability
of the exemption  afforded by Rule 144(k) promulgated under the Securities Act),
the Company  shall,  or shall  instruct its transfer  agents and  registrars to,
remove the above  stated  legend  from the stock  certificates  evidencing  such
shares of Common  Stock or issue new  certificates  without  such legend in lieu
thereof.
<PAGE>

                  (c) The Stockholder  consents to the Company making a notation
on its  records and giving  instructions  to any  transfer  agent for the Common
Stock in order to implement the  restrictions  on transfer  established  in this
Section 2.

                  3.  Reorganization,  Etc.  The  provisions  of this  Agreement
shall apply mutatis  mutandi to any shares of capital stock  resulting  from any
stock split or reverse split,  stock dividend,  reclassification  of the capital
stock of the Company,  consolidation,  merger or  reorganization of the Company,
and any shares or other  securities of the Company or of any  successor  company
which may be  received by the  Stockholder  (and/or  its  successors,  permitted
assigns,  legal  representatives and heirs) by virtue of its ownership of Common
Stock or other capital stock of the Company.

                  4.  Notices.  Any  notice or other  communication  under  this
Agreement  shall be in  writing  and  sufficient  if  delivered  personally,  by
telecopy or sent by registered or certified mail, postage prepaid,  addressed as
follows:

                  If to the Company:

                           Capita Research Group, Inc.
                           591 Shippack Pike, Suite 300
                           Blue Bell, Pennsylvania 19422
                           Attention: President
                           Telecopy:    (215) 619-0775
                           Telephone:  (215) 619-7777

                  If to the Stockholder:

                           Mr. Richard D'Avanzo
                           30 Sleepy Hollow Lane
                           Belle Mead, New Jersey  08502-4513

All such notices and  communications  shall be deemed to have been duly given at
the time delivered by hand, if personally  delivered,  upon receipt,  if sent by
telecopy,  or three (3) business days after being deposited in the mail, if sent
by registered or certified mail. Any party may, upon written notice to the other
parties hereto,  change the address to which notices or other  communications to
such party are to be delivered or mailed.
<PAGE>

                  5.  Counterparts. This Agreement may be executed in any number
of  counterparts,  each of which shall be deemed an  original,  but all of which
taken together shall constitute one and the same instrument.

                  6.  Entire  Agreement.  This  Agreement  contains  the  entire
agreement  among the parties  hereto with respect to the subject  matter hereof.
This Agreement may be amended or modified or any provision  hereof may be waived
by a written agreement  between the Stockholder and the Company.  This Agreement
supersedes all prior understandings, negotiations and agreements relating to the
subject matter hereof.

                  7.  Governing  Law.  This  Agreement  shall be governed by and
construed in  accordance  with the laws of the State of New York  applicable  to
agreements made and to be performed  entirely within such State,  without regard
to any conflict of laws  principles  of such State which would apply the laws of
any other jurisdiction.

                  8.  Jurisdiction;  Waiver of Trial by Jury. THE PARTIES HERETO
HEREBY  IRREVOCABLY  SUBMIT TO THE  JURISDICTION  OF ANY  PENNSYLVANIA  STATE OR
UNITED STATES FEDERAL COURT SITTING IN THE CITY OF PHILADELPHIA  OVER ANY ACTION
OR  PROCEEDING  ARISING  OUT  OF OR  RELATING  TO  THIS  AGREEMENT,  AND  HEREBY
IRREVOCABLY AGREE THAT ALL CLAIMS IN RESPECT OF SUCH ACTION OR PROCEEDING MAY BE
HEARD AND DETERMINED IN SUCH  PENNSYLVANIA  STATE OR FEDERAL COURT.  THE PARTIES
AGREE THAT A FINAL JUDGMENT IN ANY SUCH ACTION OR PROCEEDING SHALL BE CONCLUSIVE
AND MAY BE ENFORCED  IN OTHER  JURISDICTIONS  BY SUIT ON THE  JUDGMENT OR IN ANY
OTHER  MANNER  PROVIDED BY LAW.  THE PARTIES  FURTHER  WAIVE TRIAL BY JURY,  ANY
OBJECTION TO VENUE IN SUCH STATE AND ANY  OBJECTION TO ANY ACTION OR  PROCEEDING
IN SUCH STATE ON THE BASIS OF FORUM NON  CONVENIENS.  THE PARTIES  FURTHER AGREE
THAT ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT SHALL
BE BROUGHT ONLY IN A  PENNSYLVANIA  STATE OR UNITED STATES FEDERAL COURT SITTING
IN THE CITY OF PHILADELPHIA.

                  9.  Headings.  The headings in this  Agreement  are solely for
convenience of reference and shall not affect the  interpretation  of any of the
provisions hereof.

                  10. Severability.  If any provision  herein contained shall be
held to be illegal or unenforceable,  such holding shall not affect the validity
or enforceability of the other provisions of this Agreement.

                  11. Binding  Effect.  This Agreement shall be binding upon and
inure to the benefit of the Company,  the Stockholder,  each of their respective
successors, permitted assigns, executors,  administrators, legal representatives
and heirs, as applicable.

                  12. Construction. The parties hereto agree that this Agreement
is the product of negotiations  between  sophisticated  parties and individuals,
all of whom were represented by counsel,  and each of whom had an opportunity to
participate in, and did  participate in, the drafting of each provision  hereof.
Accordingly,  ambiguities  in this  Agreement,  if any,  shall not be  construed
strictly or in favor of or against any party  hereto but rather shall be given a
fair  and  reasonable   construction  without  regard  to  the  rule  of  contra
proferentum.

                                      * * *

<PAGE>

                  IN WITNESS  WHEREOF,  each of the parties  hereto has executed
this Registration Rights Agreement on the date first above written.

                                            CAPITA RESEARCH GROUP, INC.

                                            By: /s/ David B. Hunter
                                                -------------------
                                                Name:  David B. Hunter
                                                Title:    President

                                                /s/ Richard D'Avanzo
                                                --------------------
                                                Richard D'Avanzo

<PAGE>

             AGREEMENT FOR FINANCIAL PUBLIC SUPPORT / RETAIL SUPPORT

This INVESTOR  RELATIONS SERVICES  Agreement  (Hereinafter  "Agreement") is made
effective as of April 18, 2000, by and between "CAPITA RESEARCH GROUP, INC.," ET
AL, and CHARTERBRIDGE FINANCIAL GROUP, INC. In this Agreement,  the party who is
contracting  to receive the services shall be referred to as "CEEG" or "CLIENT",
the party who will be providing the services shall be referred to as "CFG".  CFG
and "CEEG" shall be cumulatively referred to as "the parties" hereinafter.

1.       DESCRIPTION OF SERVICES.  Beginning on April 18, 2000, CFG will provide
         the following services (collectively "Services"):

         A.       Produce  (Concept,   Research,  Writing,  Printing)  a  CLIENT
                  Shareholder   Communications/Investor  Relations  piece  which
                  shall be  distributed  Bi-monthly  (Every Other  Month).  This
                  Investor Relations  (hereinafter "IR Piece") includes relevant
                  milestone  updates,  contract  news,  earnings/revenue  growth
                  updates, and financing news about CLIENT;

         B.       Monitor OTC Internet Message Boards regarding CLIENT;

         C.       Add CLIENT  information  to  Interactive  CFG  portfolio  page
                  website;

         D.       Participate in CLIENT due diligence  presentation(s) to market
                  makers;

         E.       Schedule  live  radio  interview(s)  featuring  CLIENT  (to be
                  scheduled pursuant to availability);

         F.       Assist  in  drafting  press  releases  as  appropriate  and in
                  concert with CLIENT's milestones and newsworthy events;

         G.       Distribute press releases to CLIENT shareholders;

         H.       *Distribute  CLIENT news and  relevant  information  to market
                  makers, financial media, selected Internet stock pages/threads
                  and OTC analyst community;

         I.       Present  CLIENT to various  media,  periodical  sources,  when
                  appropriate;

         J.       Provide general  financial public relations support to CLIENT;
                  and

         K.       **Feature Company in Quarterly "Live-Chat" Internet Broadcasts

                  * CLIENT  agrees to  complete  and return  signed PR  Newswire
                  membership  application for  distribution of press releases or
                  provide PR Newswire account number to CFG.

                  ** Additional  charge of $1,800 per live chat plus  production
                  and internet/broadcast fees.
<PAGE>

2.       PAYMENT  FOR "IR"  PRODUCTION  SERVICES.  CEEG  will pay  annually  for
         services described herein. The fees shall be payable as follows:

         A] INITIAL  PAYMENT DUE UPON EXECUTION OF CLIENT FOR INVESTOR  RELATION
         SERVICES: $10,000 + 59,500 UNREGISTERED CEEG SHARES

         B] MONTHLY  PAYMENTS OF:  $4,500.  Payments under this section shall be
         due and payable upon the first business day of each month following the
         date of execution of this agreement  until this Agreement is terminated
         pursuant to Section 4.

*NOTE  -MONTHLY FEES RECEIVED AFTER THE FIRST MAILING DAY AFTER THE 5TH DAY PAST
THE DUE DATE SHALL BE SUBJECT TO A FEE OF 1%.

C]  DUE ON AUGUST 1, 2000           =       59,500 UNREGISTERED CEEG SHARES

D]  DUE IN NOVEMBER 1, 2000         =       59,500 UNREGISTERED CEEG SHARES

E]  DUE IN FEBRUARY 1, 2001         =       59,500 UNREGISTERED CEEG SHARES

CEEG shall have no obligation to make the payments  listed in Section 2(C), (D),
and (E) if this Agreement is terminated  prior to the dates such payments become
due. CEEG  understands  that such amounts shall become due on such dates as long
as this  Agreement  has not  been  terminated,  and  CEEG  will  continue  to be
responsible  for such amounts after  termination  of this  Agreement  until such
amounts are paid.

NOTE: CFG SHALL HAVE NO OBLIGATION TO PERFORM ANY DUTIES  PROVIDED FOR HEREIN IF
PAYMENT  [CASH  AND/OR  STOCK] IS NOT  RECEIVED  BY CFG  WITHIN 7 DAYS OF MUTUAL
EXECUTION OF THIS AGREEMENT BY THE PARTIES. IN ADDITION, CFG'S OBLIGATIONS UNDER
THIS  AGREEMENT  SHALL BE SUSPENDED IF ANY PAYMENT OWING  HEREUNDER IS MORE THAN
FIFTEEN  (15) DAYS  DELINQUENT.  FURTHERMORE,  THE RECEIPT OF ANY FEES [CASH AND
STOCK] DUE TO CFG UPON EXECUTION OF THIS  AGREEMENT ARE NOT CONTINGENT  UPON ANY
PRIOR PERFORMANCE OF ANY DUTIES WHATSOEVER DESCRIBED WITHIN THIS AGREEMENT.

3.       REGISTRATION OF SHARES. CFG shall have 'piggy-back' registration rights
         for all shares issued in accordance  with this  agreement.  Appropriate
         registration  shall  be  delivered  to CFG  within 3  business  days of
         filing.

4.       TERM/TERMINATION.  This Agreement is a quarterly agreement for the term
         of one (1) year and shall  terminate  automatically  on April 17, 2001.
         However,  the  CLIENT or CFG  shall  have the  right to  terminate  the
         balance of this  agreement at any time after the 75th day following the
         mutual  execution of this Agreement by the parties,  providing  written
         notice is given to the other party at least  fifteen (15) days prior to
         the  expiration  of the  current  quarter of the  Agreement.  Quarterly
         payments of cash and/or stock shall become  immediately due and payable
         upon termination.
<PAGE>

5.       NON  CIRCUMVENTION.  In and for valuable  consideration,  CLIENT hereby
         agrees that CFG may introduce (whether by written, oral, data, or other
         form of communication) CLIENT to one or more opportunities,  including,
         without   limitation,   existing  or  potential   investors,   lenders,
         borrowers,  trusts,  natural persons,  corporations,  limited liability
         companies,     partnerships,     unincorporated    businesses,     sole
         proprietorships  and similar entities  (hereinafter an "Opportunity" or
         "Opportunities").  CLIENT  further  acknowledges  and  agrees  that the
         identity  of the  subject  Opportunities,  and  all  other  information
         concerning an Opportunity  (including without  limitation,  all mailing
         information,  phone and fax numbers,  email addresses and other contact
         information) introduced hereunder are the property of CFG, and shall be
         treated as  confidential  and  proprietary  information by CLIENT,  its
         affiliates,  officers,  directors,  shareholders,   employees,  agents,
         representatives,  successors  and  assigns.  CLIENT  shall not use such
         information, except in the context of any arrangement with CFG in which
         CFG is directly and actively  involved,  and never  without CFG's prior
         written  approval.  CLIENT  further  agrees  that  neither  it nor  its
         employees,  affiliates  or  assigns,  shall enter  into,  or  otherwise
         arrange (either for it/him/herself,  or any other person or entity) any
         business  relationship,  contact any person regarding such Opportunity,
         either directly or indirectly,  or any of its affiliates, or accept any
         compensation  or  advantage in relation to such  Opportunity  except as
         directly though CFG,  without the prior written approval of CFG. CFG is
         relying on CLIENT's  assent to these terms and their intent to be bound
         by the terms by evidence of their  signature.  Without  CLIENT's signed
         assent to these  terms,  CFG would not  introduce  any  Opportunity  or
         disclose any confidential information to CLIENT as herein described.

6.       CONFIDENTIALITY.  CFG  will not at any  time or in any  manner,  either
         directly  or  indirectly,  use  for the  personal  benefit  of CFG,  or
         divulge,  disclose,  or communicate to any third party any  information
         that is proprietary to CEEG without  CEEG's express  consent.  CFG will
         protect such  information and treat it as strictly  confidential.  This
         provision  shall continue to be effective after the termination of this
         Agreement.  Upon termination of this Agreement, CFG will return to CEEG
         all  records,  notes,  documentation  and other  items  that were used,
         created, or controlled by CFG during the term of this Agreement.

7.       ENTIRE AGREEMENT.  This Agreement  contains the entire agreement of the
         parties,  and there are no other  promises or  conditions  in any other
         agreement, whether oral or written.

8.       SEVERABILITY.  If any provision of this  Agreement  shall be held to be
         invalid or unenforceable for any reason, the remaining provisions shall
         continue  to be  valid  and  enforceable.  If a court  finds  that  any
         provision of this  Agreement is invalid or  unenforceable,  but that by
         limiting  such  provision it would become valid and  enforceable,  then
         such provision shall be deemed to be written,  construed,  and enforced
         as so limited.

9.       COUNTERPARTS.  This Agreement may be executed  simultaneously in two or
         more counterparts,  each of which shall be deemed an original,  but all
         of which together shall constitute one and the same instrument.
<PAGE>

10.      CHOICE OF LAW; VENUE. This Agreement shall be governed by, and shall be
         construed in accordance with, the laws of the State of California,  any
         legal  proceedings which arising from this agreement shall be venued in
         San Diego, County, California.

11.      ARBITRATION.  Any  controversy  or claim  arising out of or relating to
         this Agreement,  or the breach thereof, shall be settled by arbitration
         administered by the American Arbitration Association in accordance with
         its  applicable  rules,  and  judgment  upon an award  rendered  by the
         arbitrator may be entered in any court having jurisdiction thereof.

Either this Agreement or the Investment Banking rider may be cancelled, pursuant
to the  applicable  termination  provision  without  affecting  the validity and
effectiveness of the other document.

Party contracting services:

COMPANY

Print Name:                David B Hunter

Sign Name:                 /s/ David B. Hunter
                           -------------------
Title:                     President & CEO

Date:                      4/24/00

Address:                   591 Skippack Pike, Ste. 300
                           Blue Bell, PA  19422

Contact Person:            Steven Plisinski

Service Provider:

CHARTERBRIDGE FINANCIAL GROUP, INC.

Print Name:                Richard H. Walker

Sign Name:                 /s/ Richard H. Walker
                           ---------------------
Title:                     President & CEO

Date:                      4/24/00

Address:                   350 W. Ash Street, Suite 1002
                           San Diego, CA  92101

Contact Person:   Stuart SmithExhibit 10(v)

                            INVESTMENT BANKING RIDER

This Agreement (the  "Agreement") is dated April 18, 2000 and is entered into by
and between CAPITA RESEARCH GROUP, INC. (hereinafter "CEEG" or "CLIENT") and THE
CHARTERBRIDGE  FINANCIAL GROUP, INC.  (hereinafter "CFG"), and is a rider to the
Agreement for Financial Public Support/Retail  Support of same date entered into
between the parties.

1.  CONDITIONS.  This  Agreement  will not  take  effect,  and CFG will  have no
obligation to provide any service whatsoever,  unless and until CLIENT returns a
signed copy of this  Agreement  to CFG (either by mail or  facsimile  copy).  In
addition,  CLIENT  shall be  truthful  with CFG in  regard  to any  relevant  or
material  information  provided by CLIENT,  verbally or otherwise  which refers,
relates,  or otherwise pertains to the CLIENT's business,  this Agreement or any
other  relevant  transaction.  Breach  of either  of these  conditions  shall be
considered  a  material  breach  and will  automatically  grant CFG the right to
terminate  this  Agreement  and all  monies  paid  or  owing  as of the  date of
termination by CFG shall be forfeited without further notice.

Agreed, CLIENT'S INITIALS: DBH
                           ---

Upon execution of this  Agreement,  CLIENT agrees to fully cooperate with CFG in
carrying  out  the  purposes  of  this  Agreement,  keep  CFG  informed  of  any
developments  of importance  pertaining  to CLIENT's  business and abide by this
Agreement in its entirety.

2.       SCOPE AND DUTIES.  During the term of this Agreement,  CFG will perform
         the following services for CLIENT:

         2.1      Advice  and  Counsel.  CFG will  provide  advice  and  counsel
                  regarding  CLIENT's  strategic  business and financial  plans,
                  strategy and  negotiations  with potential  lenders/investors,
                  joint  venture,   corporate   partners  and  others  involving
                  financial and financially-related transactions.

         2.2      Mergers  and  Acquisitions.  CFG will  provide  assistance  to
                  CLIENT,  as mutually  agreed,  in identifying  merger and / or
                  acquisition   candidates,   assisting  in  any  due  diligence
                  process,  recommending  transaction terms and providing advice
                  and assistance during negotiations, as needed.

         2.3.     Introductions   to  the  Investment   Community.   CFG  has  a
                  familiarity or association  with numerous  broker/dealers  and
                  investment  professionals  across the  country and will enable
                  contact between CLIENT and/or CLIENT's affiliate to facilitate
                  business  transactions  among them. CFG shall use its contacts
                  in the brokerage  community to assist  CLIENT in  establishing
                  relationships  with private  equity capital  sources  (venture
                  capital, etc.) and securities dealers while providing the most
                  recent  information  about  CLIENT  to  interested  securities
                  dealers on a regular and  continuous  basis.  CFG  understands
                  that this is in keeping with CLIENT's business  objectives and
                  plan to market CLIENT's  business or project to the investment
                  community.
<PAGE>

         2.4      CLIENT and/or  CLIENT's  Affiliate  Transaction Due Diligence.
                  CFG will  participate  and assist  CLIENT in the due diligence
                  process,  as needed,  on all proposed  financial  transactions
                  affecting  CLIENT  of which  CFG is  notified  in  writing  in
                  advance,  including conducting  investigation of and providing
                  advice  on  the   financial,   valuation   and   stock   price
                  implications of the proposed transaction(s).

         2.5      Ancillary Document Services. If necessary, CFG will assist and
                  cooperate  with  CLIENT  in  the   development,   editing  and
                  production of such  documents as are  reasonably  necessary to
                  procure the agreed upon capital.  These  documents may include
                  an  investment  marketing  memorandum,  or other  documents as
                  necessary.  However,  this  Agreement  will  not  include  the
                  preparation or procuring of legal documents or those documents
                  normally prepared by an attorney.

         2.6      Additional  Duties.  CLIENT and CFG shall mutually  agree,  in
                  writing,  for any  additional  duties  that CFG may provide to
                  CLIENT for  compensation  paid or payable by CLIENT under this
                  Agreement.  Although  there is no  requirement  to do so, such
                  additional agreement(s) may be attached hereto and made a part
                  hereof  by  written  amendments  to be  listed  as  "Exhibits"
                  beginning with "Exhibit A" and initialed by both parties.

         2.7      Standard  of  Performance.  CFG  shall  devote  such  time and
                  efforts  to  the  affairs  of  the  CLIENT  as  is  reasonably
                  necessary  to  render  the  services   contemplated   by  this
                  Agreement.  Any work or task of CFG  provided for herein which
                  requires CLIENT to provide  certain  information to assist CFG
                  in  completion  of the work shall be excused  (without  effect
                  upon any  obligation  of CLIENT) until such time as CLIENT has
                  fully provided all information  and cooperation  necessary for
                  CFG to  complete  the  work.  The  services  of CFG  shall not
                  include the rendering of any legal opinions or the performance
                  of any work that is in the  ordinary  purview  of a  certified
                  public accountant, or other licensed professional.  CFG cannot
                  guarantee   results  on  behalf  of  CLIENT,   but  shall  use
                  commercially  reasonable  efforts in  providing  the  services
                  listed above.  If an interest is communicated to CFG regarding
                  satisfying all or part of CLIENT's  financial needs, CFG shall
                  notify  CLIENT and advise it as to the source of such interest
                  and any terms and conditions of such  interest.  CFG's duty is
                  to  "introduce  and  market"   CLIENT's   funding  request  to
                  appropriate  funding  sources.  CFG  will  in no way  act as a
                  "broker-dealer"   under  state  or  federal  securities  laws.
                  Because  all  final  decisions  pertaining  to any  particular
                  investment are to be made by CLIENT, CLIENT may be required to
                  communicate directly with potential funding sources.
<PAGE>

         2.8      Non-Guarantee. CFG MAKES NO GUARANTEE THAT CFG WILL BE ABLE TO
                  SUCCESSFULLY  MARKET AND IN TURN  SECURE A LOAN OR  INVESTMENT
                  FINANCING FOR CLIENT, OR TO SUCCESSFULLY  PROCURE SUCH LOAN OR
                  INVESTMENT  WITHIN CLIENT'S DESIRED  TIMEFRAME OR TO GUARANTEE
                  THAT IT WILL SECURE ANY LOAN OR  INVESTMENT  FINANCING  WITH A
                  SPECIFIC  OR MINIMUM  RETURN,  INTEREST  RATE OR OTHER  TERMS.
                  NEITHER  ANYTHING IN THIS  AGREEMENT  TO THE  CONTRARY NOR THE
                  PAYMENT  OF  DEPOSITS  TO  CFG  BY  CLIENT   PURSUANT  TO  FEE
                  AGREEMENTS  FOR  SERVICES  NOT  CONTEMPLATED  HEREIN  SHALL BE
                  CONSTRUED AS ANY SUCH  GUARANTEE.  ANY COMMENTS MADE REGARDING
                  POTENTIAL TIME FRAMES OR ANYTHING THAT PERTAINS TO THE OUTCOME
                  OF CLIENT'S  FUNDING REQUESTS ARE EXPRESSIONS OF OPINION ONLY,
                  AND FOR PURPOSES OF THIS AGREEMENT ARE SPECIFICALLY DISAVOWED.
                  CLIENT  ACKNOWLEDGES  AND  AGREES IT IS NOT  REQUIRED  TO MAKE
                  EXCLUSIVE USE OF CFG FOR ANY SERVICES OR DOCUMENTATION  DEEMED
                  NECESSARY  FOR THE  PURPOSE OF SECURING  INVESTMENTS.  CFG HAS
                  MADE NO SUCH  DEMANDS  IN ORDER  FOR  CLIENT'S  PROJECT  TO BE
                  MARKETED  UNDER  THE  TERMS OF THIS  AGREEMENT.  CFG  HOLDS NO
                  EXCLUSIVE RIGHTS TO THE MARKETING OF CLIENT'S PROJECT.

                  Agreed, CLIENT INITIALS:  DBH
                                            ---

3.       Compensation to CFG.

3.1  CEEG will pay for services  described  herein.  The fees shown below (which
     summarize  those  outlined in 3.2,  3.3 and 3.4 below)  shall be payable as
     follows:

A]  INITIAL  PAYMENT  DUE  UPON  ACCEPTANCE  OF THIS  INVESTMENT  BANKING  RIDER
AGREEMENT:
         = 40,000 UNREGISTERED CEEG SHARES

B] 5% Commission on successful Capital Formation (DIRECT INVESTMENT) AND MERGERS
/ACQUISITIONS

         1] In  addition,  in the event of a  successful  merger or  acquisition
transaction,  CFG shall  receive  3% of the value of any  combined,  merged,  or
surviving  entity  (whichever is larger) in the form of the  surviving  entity's
free trading stock.

C] DUE ON AUGUST 1, 2000              = 40,000 UNREGISTERED CEEG SHARES

D] DUE IN NOVEMBER 1, 2000            = 40,000 UNREGISTERED CEEG SHARES

E] DUE IN FEBRUARY 1, 2001            = 40,000 UNREGISTERED CEEG SHARES
<PAGE>

CEEG shall have no  obligation  to make the payments  listed in Section  3.1(C),
(D), and (E) if this  Agreement is  terminated  prior to the dates such payments
become due. CEEG understands that such amounts shall become due on such dates as
long as this  Agreement  has not been  terminated,  and CEEG will continue to be
responsible  for such amounts after  termination  of this  Agreement  until such
amounts are paid.

NOTE: CFG SHALL HAVE NO OBLIGATION TO PERFORM ANY DUTIES  PROVIDED FOR HEREIN IF
PAYMENT  [CASH  AND/OR  STOCK] IS NOT  RECEIVED  BY CFG  WITHIN 7 DAYS OF MUTUAL
EXECUTION OF THIS AGREEMENT BY THE PARTIES. IN ADDITION, CFG'S OBLIGATIONS UNDER
THIS  AGREEMENT  SHALL BE SUSPENDED IF ANY PAYMENT OWING  HEREUNDER IS MORE THAN
FIFTEEN  (15) DAYS  DELINQUENT.  FURTHERMORE,  THE RECEIPT OF ANY FEES [CASH AND
STOCK] DUE TO CFG UPON EXECUTION OF THIS  AGREEMENT ARE NOT CONTINGENT  UPON ANY
PRIOR PERFORMANCE OF ANY DUTIES WHATSOEVER DESCRIBED WITHIN THIS AGREEMENT.

3.2      REGISTRATION OF SHARES. CFG shall have `piggy-back' registration rights
for  all  shares  issued  in  accordance   with  this   agreement.   Appropriate
registration shall be delivered to CFG within 3 business days of filing.

3.3 Fees for Direct Investment,  Merger/Acquisition. In the event that CFG, on a
non-exclusive basis,  introduces CLIENT or a CLIENT affiliate to any third party
funding  source(s),  underwriter(s),  merger  partner(s) or joint venture(s) who
then  enters  into a funding,  underwriting,  merger,  joint  venture or similar
agreement  with CLIENT or CLIENT's  affiliate,  CLIENT  hereby agrees to pay CFG
advisory  fees  pursuant  to the  following  schedule  which  are  based  on the
aggregate amount of such funding, underwriting, merger, joint venture or similar
agreement with CLIENT or CLIENT's affiliate. Advisory fees are deemed earned and
shall be due and  payable at the first  close of the  transaction,  however,  in
certain  circumstances when payment of advisory fees at closing is not possible,
within 24 hours after CLIENT has received the proceeds of such investment.  This
provision  shall  survive  this  Agreement  for  a  period  of  one  year  after
termination or expiration of this  Agreement.  In other words,  the advisory fee
shall be  deemed  earned  and due and  payable  for any  funding,  underwriting,
merger, joint venture or similar transaction which first closes within a year of
the  termination or expiration of this Agreement as a result of an  introduction
as set  forth  above.  CFG shall  also be  entitled  to 50.0% of the  investment
marketing fee outlined in paragraph 3.3 A or B below in connection  with any and
all  investment  offers from CLIENT or any other  source  (not  including  those
introduced by CFG) when CFG is invited to participate or assist in negotiations.

                  Agreed, CLIENT INITIALS: ________________

                  A.       Direct  Investment.  For a direct  investment made in
                           CLIENT by a third party investor either introduced to
                           CLIENT by CFG or which contacted CLIENT directly as a
                           result  of  CFG's  efforts,  CLIENT  shall  pay CFG a
                           finder'  s fee of 5.0 % of  total  investment  amount
                           received by CLIENT from the third party investor.
<PAGE>

                  B.       Merger/Acquisition.  For a merger/acquisition entered
                           into by CLIENT as a result of the  efforts  of, or an
                           introduction   by  CFG   during   the  term  of  this
                           Agreement,  Client  shall  pay CFG 5.0% of the  total
                           value of the  transaction.  The 5.0% shall be paid in
                           cash   upon   the   date  of  the   closing   of  the
                           merger/acquisition.  Additionally,  (i) if  stock  is
                           used  as  part  or all of  the  consideration  in the
                           transaction,  CFG shall receive  freely trading stock
                           equivalent   to  10%  of  the  stock  (used  for  the
                           transaction) upon close of transaction, and (ii) upon
                           close of a  successful  merger  or  acquisition,  CFG
                           shall receive 3% of the value of the combined, merged
                           or surviving entity (whichever is larger) in the form
                           of the surviving entity's free trading stock.

                           THE FEES PROVIDED FOR IN SECTIONS 3.2 AND 3.3 ARE NOT
                           INTENDED  TO AND WILL NOT APPLY  CUMULATIVELY  TO THE
                           SAME  FUNDING;  HOWEVER,  EACH MAY APPLY TO DIFFERENT
                           PORTIONS  OF  A  TRANSACTION   COMPRISING   DIFFERENT
                           FUNDING SOURCES.

         3.4      Expenses. If CLIENT accepts any investment provided under this
                  Agreement,  CLIENT shall reimburse CFG for reasonable expenses
                  incurred in performing  its duties  pursuant to this Agreement
                  (including    printing,    postage,    express   mail,   photo
                  reproduction, travel, lodging, and long distance telephone and
                  facsimile charges);  provided,  however, that CFG must receive
                  prior written approval from CLIENT for any expenses over $500.
                  Such  reimbursement  shall be  payable  within 24 hours  after
                  CLIENT's receipt of CFG invoice for same.

         3.5      Additional Fees.  CLIENT and CFG shall mutually agree upon any
                  additional fees that CLIENT may pay in the future for services
                  rendered  by  CFG  under  this   Agreement.   Such  additional
                  agreement(s)  may,  although there is no requirement to do so,
                  be  attached  hereto  and  made  a  part  hereof  as  Exhibits
                  beginning with Exhibit A.

         3.6      Interest  on Funds  Due.  CLIENT  shall  pay  interest  on all
                  payments in arrears due CFG, at the rate of one percent (1.0%)
                  per each thirty (30) days after payment is first due.

         3.7      Investment Source(s)  Disclosure.  It is fully understood that
                  in some cases  CFG's  investment/lending  sources  are sources
                  that may be public  sources which may  independently  approach
                  CLIENT  without the  assistance of CFG. CFG makes no claims to
                  have  special  relationships  with  sources  and  is not to be
                  considered  as  having  any   capabilities  of  expediting  or
                  `pushing'  CLIENT's case through any approval channels outside
                  the norm of any  request of this type.  The sources in the CFG
                  database   are   sources   compiled   by  CFG   from   created
                  relationships  as well as lists purchased or requested for the
                  purpose of building a comprehensive  lender/investor marketing
                  service.

                  Agreed, CLIENT INITIALS:  DBH
                                            ---
<PAGE>

4.       Indemnification.  The CLIENT agrees to indemnify and hold harmless CFG,
         each of its officers, directors, employees and shareholders against any
         and all liability,  loss and costs, expenses or damages,  including but
         not limited to, any and all expenses whatsoever  reasonably incurred in
         investigating, preparing or defending against any litigation, commenced
         or threatened, or any claim whatsoever or howsoever caused by reason of
         any injury (whether to body,  property,  personal or business character
         or  reputation)  sustained  by any person or to any person or property,
         arising out of any act, failure to act, neglect,  any untrue or alleged
         untrue statement of a material fact or failure to state a material fact
         which thereby makes a statement  false or misleading,  or any breach of
         any material  representation,  warranty or covenant by CLIENT or any of
         its agents,  employees,  or other  representatives.  Nothing  herein is
         intended to nor shall it relieve  either party from  liability  for its
         own willful act, omission or negligence.  All remedies provided by law,
         or in equity shall be cumulative and not in the alternative.

         CFG agrees to indemnify and hold harmless CLIENT, each of its officers,
         directors,  employees and  shareholders  against any and all liability,
         loss and costs, expenses or damages,  including but not limited to, any
         and all  expenses  whatsoever  reasonably  incurred  in  investigating,
         preparing or defending against any litigation, commenced or threatened,
         or any claim  whatsoever  or  howsoever  caused by reason of any injury
         (whether  to  body,   property,   personal  or  business  character  or
         reputation)  sustained  by any  person or to any  person  or  property,
         arising out of any act, failure to act, neglect,  any untrue or alleged
         untrue statement of a material fact or failure to state a material fact
         which thereby makes a statement  false or misleading,  or any breach of
         any material representation,  warranty or covenant by CFG or any of its
         agents, employees, or other representatives. Nothing herein is intended
         to nor shall it relieve either party from liability for its own willful
         act, omission or negligence. All remedies provided by law, or in equity
         shall be cumulative and not in the alternative

5.       CLIENT  Representations.   CLIENT  hereby  represents,   covenants  and
         warrants to CFG as follows:

         5.1      Authorization.  CLIENT and its  signatories  herein  have full
                  power and authority to enter into this  Agreement and to carry
                  out the transactions contemplated hereby.

         5.2      No  Violation.  Neither  the  execution  and  delivery of this
                  Agreement   nor   the   consummation   of   the   transactions
                  contemplated  hereby will violate any provision of the charter
                  or by-laws of CLIENT, or violate any terms of provision of any
                  other  material  agreement  to which  CLIENT is a party or any
                  applicable statute or law.

         5.3      Contracts in Full Force and Effect. All contracts, agreements,
                  plans,  leases,  policies  and  licenses to which  CLIENT is a
                  party are valid and in full force and effect.

         5.4      Litigation.  Except as set in  Schedule 1 attached  hereto (if
                  necessary),  there is no action, suit, inquiry,  proceeding or
                  investigation  by or before any court or governmental or other
                  regulatory or administrative  agency or commission pending or,
                  to  the  best  knowledge  of  CLIENT,  threatened  against  or
                  invoking CLIENT, or which questions or challenges the validity
                  of this  Agreement  or its subject  matter and CLIENT does not
                  know or have any  reason  to know of any  valid  basis for any
                  such action, proceeding or investigation.
<PAGE>

         5.5      Consents. No consent of any person, other than the signatories
                  hereto,  is necessary to the  consummation of the transactions
                  contemplated hereby, including,  without limitation,  consents
                  from parties to loans,  contracts,  lease or other  agreements
                  and consents  from  governmental  agencies,  whether  federal,
                  state, or local.

         5.6      CFG  Reliance.  CFG has and  will  rely  upon  the  documents,
                  instruments,  their contents and any other written information
                  furnished  to  CFG  by  CLIENT,  its  officers  or  designated
                  employees.

         5.7      CLIENT's Material. All representations and statements provided
                  herein about CLIENT are true and complete and accurate. CLIENT
                  agrees to  indemnify,  hold  harmless,  and  defend  CFG,  its
                  officers, directors, agents and employees, at CLIENT's expense
                  for  any  proceeding  or  suit  which  may  raise  out  of any
                  inaccuracy or  incompleteness  of any such material or written
                  information supplied to CFG per Section 4 herein.

         5.8      CLIENT'S  Affiliates  and  Other  Material.  To  the  best  of
                  CLIENT's  knowledge,  CLIENT  warrants  and  affirms  that all
                  representations   and  warranties  provided  herein  regarding
                  CLIENT are true,  complete and accurate with respect to and if
                  applied to CLIENT's affiliates as well.

6.       CFG Representations.  CFG hereby represents,  covenants and warrants to
         CLIENT as follows:

         6.1      Authorization.  CFG and its signatories herein have full power
                  and  authority to enter into this  Agreement  and to carry out
                  the transactions contemplated hereby.

         6.2      No  Violation.  Neither  the  execution  and  delivery of this
                  Agreement   nor   the   consummation   of   the   transactions
                  contemplated  hereby will violate any provision of the charter
                  or by-laws of CFG,  or violate any terms of  provision  of any
                  other  material  agreement  to  which  CFG is a  party  or any
                  applicable statute or law.

         6.3      Contracts in Full Force and Effect. All contracts, agreements,
                  plans,  leases,  policies and licenses to which CFG is a party
                  are valid and in full force and effect.

         6.4      Litigation.  Except as set in  Schedule 2 attached  hereto (if
                  necessary),  there is no action, suit, inquiry,  proceeding or
                  investigation  by or before any court or governmental or other
                  regulatory or administrative  agency or commission pending or,
                  to the best knowledge of CFG,  threatened  against or invoking
                  CFG, or which  questions  or  challenges  the validity of this
                  Agreement or its subject  matter and CFG does not know or have
                  any  reason  to know of any valid  basis for any such  action,
                  proceeding or investigation.
<PAGE>

         6.5      Consents. No consent of any person, other than the signatories
                  hereto,  is necessary to the  consummation of the transactions
                  contemplated hereby, including,  without limitation,  consents
                  from parties to loans,  contracts,  lease or other  agreements
                  and consents  from  governmental  agencies,  whether  federal,
                  state, or local.

         6.6      CLIENT Reliance.  CLIENT has and will rely upon the documents,
                  instruments,  their contents and any other written information
                  furnished  to CLIENT by the CFG,  its  officers or  designated
                  employees.

         6.7      CFG's Material.  All  representations  and statements provided
                  herein  about  CFG are true and  complete  and  accurate.  CFG
                  agrees to indemnify,  hold harmless,  and defend  CLIENT,  its
                  officers,  directors,  agents and employees,  at CFG's expense
                  for  any  proceeding  or  suit  which  may  raise  out  of any
                  inaccuracy or  incompleteness  of any such material or written
                  information supplied to CLIENT per Section 4 herein.

         6.8      CFG's  Affiliates  and  Other  Material.  To the best of CFG's
                  knowledge,  CFG warrants and affirms that all  representations
                  and  warranties   provided  herein  regarding  CFG  are  true,
                  complete and accurate  with respect to and if applied to CFG's
                  affiliates as well.

7.       Services Not Expressed or Implied.

         7.1.     CFG is not and  will not be a  market-maker  (but may act as a
                  placement   agent   by   other   "Selling    Agreement"   from
                  time-to-time)  in CLIENT's  securities or in any securities or
                  securities  in which  CLIENT  or  CLIENT's  affiliates  has an
                  interest; and,

         7.2.     Any  payments  made  herein  to CFG are not,  and shall not be
                  construed as,  compensation to CFG for the purpose of making a
                  market,  to cover CFG's  out-of-pocket  expenses  for making a
                  market, or for the submission by CFG of an application to make
                  a market in any securities; and,

         7.3.     No  payments  made  herein  to CFG  are  for  the  purpose  of
                  affecting  the  price  of  any  security  or  influencing  any
                  market-making functions, including but not limited to, bid/ask
                  quotations,  initiation and termination of quotations,  retail
                  securities   activities,   or  for  the   submission   of  any
                  application to make a market.

8.       Confidentiality.

         8.1      CFG and CLIENT  each agree to keep  confidential  and  provide
                  reasonable security measures to keep confidential  information
                  where release may be detrimental to their respective  business
                  interests.  CFG and CLIENT shall each require their employees,
                  agents, affiliates,  other licensees, and others who will have
                  access to the information through CFG and CLIENT respectively,
                  to first enter appropriate non-disclosure Agreements requiring
                  the   confidentiality   contemplated   by  this  Agreement  in
                  perpetuity.
<PAGE>

         8.2      CFG will not,  either  during  its  engagement  by the  CLIENT
                  pursuant  to  this  Agreement  or  at  any  time   thereafter,
                  disclose,  use or make known for its or another's  benefit any
                  confidential information,  knowledge, or data of the CLIENT or
                  any of its  affiliates  in any  way  acquired  or  used by CFG
                  during its engagement by the CLIENT. Confidential information,
                  knowledge or data of the CLIENT and its  affiliates  shall not
                  include  any  information   that  is,  or  becomes   generally
                  available to the public other than as a result of a disclosure
                  by CFG or its representatives.

9.       Miscellaneous Provisions.

         9.1      Amendment  and  Modification.  This  Agreement may be amended,
                  modified and supplemented only by written agreement of CFG and
                  CLIENT.

         9.2      Waiver of  Compliance.  Any failure of either  party hereto to
                  comply with any obligation, agreement, or condition herein may
                  be expressly waived in writing,  but such waiver or failure to
                  insist upon strict compliance with such obligation,  covenant,
                  agreement  or  condition  shall not operate as a waiver of, or
                  estoppel with respect to, any subsequent or other failure.

         9.3      Expenses,  Taxes,  Etc.  Other than as expressly  set forth in
                  this  Agreement,  the  parties  shall bear their own costs and
                  expenses,  including any applicable taxes, in carrying out the
                  provisions of this Agreement.

         9.4      Compliance  with Regulatory  Agencies.  Each party agrees that
                  all  actions,  direct  or  indirect,   taken  by  it  and  its
                  respective agents, employees and affiliates in connection with
                  this  Agreement  and any financing or  underwriting  hereunder
                  shall conform to all applicable  Federal and State  securities
                  laws.

         9.5      Notices.  Any notices to be given hereunder by either party to
                  the  other may be  effected  either by  personal  delivery  in
                  writing, by a reputable,  national overnight delivery service,
                  by facsimile transmission or by mail, registered or certified,
                  postage prepaid with return receipt  requested.  Notices shall
                  be  addressed  to  the  "Contact   Person"  at  the  addresses
                  appearing on the  signature  page of this  Agreement,  but any
                  party may  change his  address  or  Contact  Person by written
                  notice in accordance with this subsection.  Notices  delivered
                  personally  shall be deemed  delivered  as of actual  receipt,
                  notices sent by facsimile  shall be deemed  delivered  one (1)
                  day after electronic confirmation of receipt,  notices sent by
                  overnight  delivery  service shall be deemed delivered one (1)
                  day after  delivery to the service,  mailed  notices  shall be
                  deemed delivered as of five (5) days after mailing.
<PAGE>

         9.6      Assignment.  This Agreement and all of the  provisions  hereof
                  shall be binding  upon and inure to the benefit of the parties
                  hereto and their respective  successors and permitted assigns.
                  The obligations of either party  hereunder  cannot be assigned
                  without the express written consent of the other party.

         9.7      Publicity.  Neither  CFG nor CLIENT  shall  make or issue,  or
                  cause  to be made  or  issued,  any  announcement  or  written
                  statement   concerning  this  Agreement  or  the  transactions
                  contemplated  hereby for  dissemination  to the general public
                  without the prior  written  consent of the other  party.  This
                  provision  shall not apply,  however,  to any  announcement or
                  written   statement   required  to  be  made  by  law  or  the
                  regulations  of any  Federal  or  State  governmental  agency,
                  except that the party  required to disclose shall consult with
                  and make  reasonable  efforts  to  accommodate  changes to the
                  required  disclosure  and  the  timing  of  such  announcement
                  suggested by the other party.

         9.8      Governing Law;  Venue.  This Agreement and the legal relations
                  among the parties hereto shall be governed by and construed in
                  accordance  with the laws of the State of California,  without
                  regard to its conflict of law  doctrine.  CLIENT and CFG agree
                  that if any action is  instituted  to enforce or interpret any
                  provision of this Agreement,  the jurisdiction and venue shall
                  be San Diego County, California.

         9.9      Counterparts. This Agreement may be executed simultaneously in
                  two or more  counterparts,  each of which  shall be  deemed an
                  original,  but all of which together shall  constitute one and
                  the same instrument.

         9.10     Headings.  The heading of the sections of this  Agreement  are
                  inserted for convenience  only and shall not constitute a part
                  hereto or affect in any way the meaning or  interpretation  of
                  this Agreement.

         9.11     Entire  Agreement.   This  Agreement  including  any  Exhibits
                  hereto,  and the other  documents and  certificates  delivered
                  pursuant to the terms hereto,  set forth the entire  agreement
                  and  understanding  of the  parties  hereto in  respect of the
                  subject  matter  contained  herein,  and  supersedes all prior
                  agreements, promise, covenants, arrangements,  communications,
                  representations or warranties, whether oral or written, by any
                  officers employee or representative of any party hereto.

         9.12     Third Parties. Except as specifically set forth or referred to
                  herein, nothing herein express or implied is intended or shall
                  be  construed  to confer  upon or give to any person or entity
                  other than the parties hereto and their successors or assigns,
                  any rights or remedies under or by reason of this Agreement.

         9.13     Attorneys'  Fees and  Costs.  If any  action is  necessary  to
                  enforce  and  collect  upon the terms of this  Agreement,  the
                  prevailing  party shall be entitled to  reasonable  attorneys'
                  fees and costs,  in addition to any other relief to which that
                  party may be entitled.  This  provision  shall be construed as
                  applicable to the entire Agreement.
<PAGE>

         9.14     Survivability.  If any part of this  Agreement  is  found,  or
                  deemed by a court of competent jurisdiction,  to be invalid or
                  unenforceable, that part shall be severable from the remainder
                  of the Agreement.

         9.15     Further  Assurances.  Each of the parties agrees that it shall
                  from   time-to-time   take  such   actions  and  execute  such
                  additional  instruments  as may  be  reasonably  necessary  or
                  convenient  to implement and carry out the intent and purposes
                  of this Agreement.

         9.16     Relationship  of  the  Parties.   Nothing  contained  in  this
                  Agreement shall be deemed to constitute  either party becoming
                  the partner of the other, the agent or legal representative of
                  the other, nor create any fiduciary relationship between them,
                  except as otherwise  expressly  provided herein. It is not the
                  intention of the parties to create nor shall this Agreement be
                  construed  to  create  any  commercial  relationship  or other
                  partnership. Neither party shall have any authority to act for
                  or to assume any obligation or responsibility on behalf of the
                  other party,  except as otherwise  expressly  provided herein.
                  The rights, duties, obligations and liabilities of the parties
                  shall be separate,  not joint or collective.  Each party shall
                  be responsible  only for its obligations as herein set out and
                  shall be liable  only for its share of the costs and  expenses
                  as provided herein.

         9.17     No Authority  to Obligate  the CLIENT.  Without the consent of
                  the Board of Directors of CLIENT,  CFG shall have no authority
                  to  take,  nor  shall  it  take,  any  action   committing  or
                  obligating  CLIENT in any manner,  and it shall not  represent
                  itself to others as having such authority.

10. Arbitration. ALL DISPUTES, CONTROVERSIES, OR DIFFERENCES BETWEEN CLIENT, CFG
OR  ANY  OF  THEIR  OFFICERS,   DIRECTORS,  LEGAL  REPRESENTATIVES,   ATTORNEYS,
ACCOUNTANTS,  AGENTS OR  EMPLOYEES,  OR ANY  CUSTOMER OR OTHER PERSON OR ENTITY,
ARISING OUT OF, IN CONNECTION  WITH OR AS A RESULT OF THIS  AGREEMENT,  SHALL BE
RESOLVED THROUGH ARBITRATION RATHER THAN THROUGH LITIGATION. WITH RESPECT TO THE
ARBITRATION OF ANY DISPUTE, THE UNDERSIGNED HEREBY ACKNOWLEDGE AND AGREE THAT:

                  A.       ARBITRATION IS FINAL AND BINDING ON THE PARTIES;

                  B.       THE PARTIES ARE WAIVING THEIR RIGHT TO SEEK REMEDY IN
                           COURT, INCLUDING THEIR RIGHT TO JURY TRIAL;

                  C.       PRE-ARBITRATION  DISCOVERY IS GENERALLY  MORE LIMITED
                           AND DIFFERENT FROM COURT PROCEEDING;
<PAGE>

                  D.       THE  ARBITRATOR'S  AWARD IS NOT  REQUIRED  TO INCLUDE
                           FACTUAL  FINDINGS OR LEGAL  REASONING AND ANY PARTY'S
                           RIGHT OF APPEAL OR TO SEEK  MODIFICATION OF RULING BY
                           THE ARBITRATORS IS STRICTLY LIMITED;

                  E.       THIS ARBITRATION  PROVISION IS SPECIFICALLY  INTENDED
                           TO INCLUDE ANY AND ALL  STATUTORY  CLAIMS WHICH MIGHT
                           BE ASSERTED BY ANY PARTY;

                  F.       EACH PARTY  HEREBY  AGREES TO SUBMIT THE  DISPUTE FOR
                           RESOLUTION TO THE AMERICAN  ARBITRATION  ASSOCIATION,
                           IN SAN DIEGO,  CALIFORNIA  WITHIN FIVE (5) DAYS AFTER
                           RECEIVING  A WRITTEN  REQUEST TO DO SO FROM THE OTHER
                           PARTY;

                  G.       IF  EITHER  PARTY  FAILS TO  SUBMIT  THE  DISPUTE  TO
                           ARBITRATION ON REQUEST, THEN THE REQUESTING PARTY MAY
                           COMMENCE AN ARBITRATION  PROCEEDING,  BUT IS UNDER NO
                           OBLIGATION TO DO SO;

                  H.       ANY  HEARING   SCHEDULED   AFTER  AN  ARBITRATION  IS
                           INITIATED  SHALL  TAKE  PLACE  IN SAN  DIEGO  COUNTY,
                           CALIFORNIA;

                  I.       IF EITHER PARTY SHALL INSTITUTE ANY COURT  PROCEEDING
                           IN  AN   EFFORT   TO   RESIST   ARBITRATION   AND  BE
                           UNSUCCESSFUL   IN  RESISTING   ARBITRATION  OR  SHALL
                           UNSUCCESSFULLY   CONTEST  THE   JURISDICTION  OF  ANY
                           ARBITRATION   FORUM  LOCATED  IN  SAN  DIEGO  COUNTY,
                           CALIFORNIA,  OVER ANY MATTER  WHICH IS THE SUBJECT OF
                           THIS  AGREEMENT,   THE  PREVAILING   PARTY  SHALL  BE
                           ENTITLED TO RECOVER  FROM THE LOSING  PARTY ITS LEGAL
                           FEES  AND  ANY  OUT-OF-POCKET  EXPENSES  INCURRED  IN
                           CONNECTION WITH THE DEFENSE OF SUCH LEGAL  PROCEEDING
                           OR ITS EFFORTS TO ENFORCE  ITS RIGHTS TO  ARBITRATION
                           AS PROVIDED FOR HEREIN;

                  J.       THE PARTIES SHALL ACCEPT THE DECISION OF ANY AWARD AS
                           BEING  FINAL  AND   CONCLUSIVE  AND  AGREE  TO  ABIDE
                           THEREBY;

                  K.       ANY  DECISION  MAY BE FILED WITH ANY COURT AS A BASIS
                           FOR JUDGMENT AND EXECUTION FOR COLLECTION;

11.      Term/Termination.  This Agreement is a quarterly agreement for the term
of one (1) year and shall terminate  automatically  on April 17, 2001.  However,
CLIENT or CFG shall have the right to terminate the balance of this Agreement at
any time  seventy (70) days after the date hereof,  provided  written  notice is
given to the other party at least  fifteen (15) days prior to the  expiration of
the current quarter of the Agreement.

10.      Registration Of Shares. CFG shall have standard piggyback  registration
rights of all shares issued in accordance with this agreement.

12. Non Circumvention.  In and for valuable consideration,  CLIENT hereby agrees
that CFG may  introduce  (whether  by  written,  oral,  data,  or other  form of
communication)  CLIENT  to  one  or  more  opportunities,   including,   without
limitation, existing or potential investors, lenders, borrowers, trusts, natural
persons, corporations, limited liability companies, partnerships, unincorporated
businesses,   sole   proprietorships   and  similar  entities   (hereinafter  an
"Opportunity" or ""Opportunities""). CLIENT further acknowledges and agrees that
the identity of the subject Opportunities,  and all other information concerning
an Opportunity (including without limitation, all mailing information, phone and
fax numbers, email addresses and other contact information) introduced hereunder
are the property of CFG, and shall be treated as  confidential  and  proprietary
information  by  CLIENT,  it  affiliates,  officers,  directors,   shareholders,
employees, agents, representatives, successors and assigns. CLIENT shall not use
such information, except in the context of any arrangement with CFG in which CFG
is directly  and  actively  involved,  and never  without  CFG's  prior  written
approval. CLIENT further agrees that neither it nor its employees, affiliates or
assigns,  shall enter into, or otherwise arrange (either for it/him/herself,  or
any other  person or  entity)  any  business  relationship,  contact  any person
regarding  such  Opportunity,  either  directly  or  indirectly,  or  any of its
affiliates,  or  accept  any  compensation  or  advantage  in  relation  to such
Opportunity except as directly though CFG, without the prior written approval of
CFG.  CFG is relying on CLIENT's  assent to these  terms and their  intent to be
bound by the terms by evidence of their signature.

<PAGE>

Without  CLIENT's  signed  assent to these terms,  CFG would not  introduce  any
Opportunity  or  disclose  any  confidential  information  to  CLIENT  as herein
described.

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

CLIENT:

CAPITA RESEARCH GROUP, INC.

Print Name:       David B. Hunter

Sign Name:        /s/ David B. Hunter
                  -------------------
Title:            President & CEO

Date:                        4/24/00
                           ---------
Address:            591 Skippack Pike, Suite 300
                  ------------------------------
                             Blue Bell, PA  19422

Contact Person:     Steven Plisinski, CFO

CFG:

THE CHARTERBRIDGE FINANCIAL GROUP, INC.

Print Name:       Richard H. Walker

Sign Name:        /s/ Richard H. Walker
                  ----------------------
Title:            President & CEO

Date:                        4/24/00
                           ---------
Address:            350 W. Ash St. Ste. 1002
                  --------------------------
                             San Diego, CA  92101

Contact Person:     Stuart Smith

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