Document:

<PAGE>
                                                                   EXHIBIT 10.21

                       FIRST AMENDMENT TO CREDIT AGREEMENT

          THIS FIRST AMENDMENT TO CREDIT AGREEMENT (the "First Amendment") dated
                                                         ---------------
as of August 2, 2001, by and among KPMG CONSULTING, INC., a Delaware corporation
(the "Borrower"), the Guarantors, the Banks, and PNC BANK, NATIONAL ASSOCIATION,
      --------
as Administrative Agent.

                              W I T N E S S E T H:

          WHEREAS, the parties hereto are parties to that certain Credit
Agreement dated as of May 21, 2001 (as heretofore amended, supplemented,
restated or modified, the "Credit Agreement") by and among the Borrower, the
                           ----------------
Banks, the Guarantors, and PNC Bank, National Association, as Administrative
Agent, and desire to further amend the terms thereof as set forth herein; and

          WHEREAS, the parties to the Credit Agreement desire to amend the terms
thereof as set forth herein; and

          WHEREAS, defined terms used herein unless otherwise defined herein
shall have the meanings ascribed to them in the Credit Agreement.

          NOW, THEREFORE, the parties hereto, in consideration of their mutual
covenants and agreements hereinafter set forth and intending to be legally bound
hereby, covenant and agree as follows:

          1.   Amendments to the Credit Agreement
               ----------------------------------

               The Credit Agreement is hereby amended as follows:

               A.   Definitions (Section 1.1).
                    -----------

               The following definitions are hereby amended and restated to read
as set forth below:

               "Post-IPO Base Net Worth shall be computed on and after the date
                -----------------------
     of the IPO and shall mean the sum of

               (A) $463,200,000 [80% of Consolidated Net Worth on February 13,
     2001],

               plus

               (B) 50% of consolidated net income of the Borrower and its
     Subsidiaries for each fiscal quarter in which net income was earned plus
     80% of the net increase in Consolidated Net Worth resulting from the
     issuance of any equity securities by the Borrower, in each instance for the
     period from February 13, 2001 through the date of determination

<PAGE>

               less

               (C) the lesser of (1) the amount paid by the Loan Parties in
     connection with repurchases of stock of the Borrower made pursuant to and
     as described in clause (6) of Section 8.2.5 (Dividends and Related
     Distributions) and (2) $50,000,000.

     In computing Post-IPO Base Net Worth, consolidated net income earned during
     the fiscal quarter ending March 31, 2001 shall be prorated to determine the
     portion thereof earned before and after February 13, 2001."

               B.   Dividends and Related Distributions (Section 8.2.5).
                    -----------------------------------

                    A new clause (6) is hereby added to Section 8.2.5 (Dividends
and Related Distributions) to follow immediately after clause (5) thereof and to
read as follows:

               "(6) repurchases of stock of the Borrower, provided that (a) the
     aggregate amount of such repurchases made on and after the date of this
     Agreement shall not exceed $150,000,000, (b) at the time the Borrower makes
     any repurchase and after giving effect to such repurchase, there shall
     exist no Potential Default or Event of Default and (c) the Loan Parties
     shall indicate the aggregate amount of such repurchases on their next
     Compliance Certificate."

               C.   Capital Expenditures and Leases (Section 8.2.14).
                    -----------------------------------------------

                    Section 8.2.14 (Capital Expenditures and Leases) is amended
and restated to read as set forth below:

          "8.2.14        Capital Expenditures and Leases
                         -------------------------------

          Each of the Loan Parties shall not, and shall not permit any of its
     Subsidiaries to, make any payments (other than (1) consideration with
     respect to Permitted Acquisitions, (2) payments made by a Person or
     business acquired, directly or indirectly, by the Loan Parties or their
     Subsidiaries in a Permitted Acquisition incurred by such Person or business
     during periods prior to the date of such Permitted Acquisition or (3)
     payments made to KPMG LLP in an aggregate amount not to exceed $41,000,000
     to acquire leasehold improvements from KPMG LLP) exceeding the amounts set
     forth below during the periods set forth below on account of the purchase
     or lease of any assets which if purchased would constitute fixed assets or
     which if leased would constitute a capitalized lease.

                  Period                                   Maximum Amount
                  ------                                   --------------

     July 1, 2000 through June 30, 2001                     $50,000,000

     July 1, 2001 through June 30, 2002                     $60,000,000

                                       2

<PAGE>

     July 1, 2002 through June 30, 2003                   $60,000,000

     July 1, 2003 through June 30, 2004                   $70,000,000"

               D.   Exhibit 8.2.6 (Acquisition Compliance Certificate).
                    -------------------------------------------------

                    Exhibit 8.2.6 (Acquisition Compliance Certificate) is hereby
                    -------------
     amended and restated to read as set forth in Exhibit 8.2.6 attached hereto
                                                  -------------
     and made a part hereof.

               E.   Exhibit 8.3.3 (Quarterly Compliance Certificate).
                    -----------------------------------------------

                    Exhibit 8.3.3 (Quarterly Compliance Certificate) is hereby
                    -------------
     amended and restated to read as set forth in Exhibit 8.3.3 attached hereto
                                                  -------------
     and made a part hereof.

          2.   Representations and Warranties.
               ------------------------------

               The Loan Parties hereby represent and warrant to the Banks as
follows:

               (a)  The representations and warranties of Loan Parties contained
in the Credit Agreement are true and correct on and as of the date hereof with
the same force and effect as though made by the Loan Parties on such date,
except to the extent that any such representation or warranty expressly relates
solely to a previous date in which case such representations and warranties are
true and correct as of such date; and

               (b)  The Loan Parties are in compliance with all terms,
conditions, provisions, and covenants contained in the Credit Agreement; and the
execution, delivery, and performance of this First Amendment have been duly
authorized by all necessary corporate action, require no governmental approval,
and will not contravene, conflict with, nor result in the breach of any law,
charter, articles, or certificate of incorporation, bylaws, or agreement
governing or binding upon the Loan Parties or any of their property; and no
Event of Default or Potential Default has occurred and is continuing or would
result from the making of this First Amendment.

          3.   Conditions to Effectiveness.
               ---------------------------

               This First Amendment shall not be effective until the Required
Banks, the Administrative Agent, the Borrower and the other Loan Parties shall
have executed and delivered to the Administrative Agent signature pages hereto
and the fees payable under Section 4 hereof in connection herewith have been
paid.

          4.   Amendment Fee.
               -------------

               The Borrower shall pay:

                                        3

<PAGE>

               (1) on August 2, 2001 to the Agent for the benefit of each Bank
which delivers to the Agent or its counsel its signed signature page to this
First Amendment (in accordance with delivery instructions given by the Agent or
counsel) on or before August 2, 2001 an amendment fee in the amount of 10 basis
points times the amount of such Bank's Commitment as of August 2, 2001, and

               (2) on August 6, 2001 to the Agent for the benefit of each Bank
which does not deliver to the Agent or its counsel its signed signature page to
this First Amendment in accordance with clause (1) above on or before August 2,
2001 but delivers such signed signature page to the Agent or its counsel on or
before August 6, 2001 an amendment fee in the amount of 5 basis points times the
amount of such Bank's Commitment as of August 6, 2001.

          5.   Amendment.
               ---------

               Any reference to the Credit Agreement or other Loan Documents in
any document, instrument, or agreement shall hereafter mean and include the
Credit Agreement or such Loan Document, including exhibits thereto, as amended
hereby. In the event of any irreconcilable inconsistency between the terms or
provisions hereof and the terms or provisions of the Credit Agreement or such
Loan Document, including such exhibits, the terms and provisions hereof shall
control.

          6.   Force and Effect.
               ----------------

               The Loan Parties reconfirm, restate, and ratify the Credit
Agreement and all other documents executed in connection therewith except to the
extent any such documents are expressly modified by this First Amendment, and
the Loan Parties confirm that all such documents have remained in full force and
effect since the date of their execution.

          7.   Governing Law.
               -------------

               This First Amendment shall be deemed to be a contract under the
laws of the State of New York and for all purposes shall be governed by and
construed and enforced in accordance with the internal laws of the State of New
York without regard to its conflict of laws principles.

          8.   Counterparts; Effective Date.
               ----------------------------

               This First Amendment may be signed in any number of counterparts
each of which shall be deemed an original, but all of which together shall
constitute one and the same instrument.

                                     * * * *

                                        4

<PAGE>

                   [SIGNATURE PAGE 1 OF 6 TO FIRST AMENDMENT]

          IN WITNESS WHEREOF and intending to be legally bound hereby, the
parties hereto have executed this First Amendment as of the date first above
written.

                                        BORROWER:

                                        KPMG CONSULTING, INC.

                                        By: _____________________________(SEAL)
                                            Name:
                                            Title:

                                        GUARANTORS:

                                        KPMG CONSULTING, LLC

                                        By: _____________________________(SEAL)
                                            Name:
                                            Title:

                                        KPMG CONSULTING ISRAEL, LLC

                                        By: _____________________________(SEAL)
                                            Name:
                                            Title:

                                        SOFTLINE ACQUISITION CORP.

                                        By: _____________________________(SEAL)
                                            Name:
                                            Title:

                                        SOFTLINE CONSULTING & INTEGRATORS, INC.

                                        By: _____________________________(SEAL)
                                            Name:
                                            Title:

<PAGE>

                   [SIGNATURE PAGE 2 OF 6 TO FIRST AMENDMENT]

                                        I2 MIDATLANTIC LLC

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        I2 NORTHWEST LLC

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        OAD ACQUISITION CORP.

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        OAD GROUP, INC.

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        METRIUS, INC.

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        PEATMARWICK, INC.

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

<PAGE>

                   [SIGNATURE PAGE 3 OF 6 TO FIRST AMENDMENT]

                                        KPMG ENTERPRISE HOLDINGS LLC

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        KPMG SOUTH PACIFIC, LLC

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        KPMG CONSULTING AMERICAS, INC.

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        BARENTS GROUP, L.L.C.

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        PELOTON HOLDINGS, L.L.C.

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

<PAGE>

                   [SIGNATURE PAGE 4 OF 6 TO FIRST AMENDMENT]

                                        BARENTS EUROPEAN HOLDINGS, L.L.C.

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        K CONSULTING SOUTHEAST ASIA, L.L.C.

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

                                        BARENTS GROUP RUSSIA, L.L.C.

                                        By:______________________________(SEAL)
                                           Name:
                                           Title:

<PAGE>

                   [SIGNATURE PAGE 5 OF 6 TO FIRST AMENDMENT]

                                        AGENT AND BANKS:

                                        PNC BANK, NATIONAL ASSOCIATION,
                                        individually and as Administrative Agent

                                        By:_____________________________________
                                        Title:__________________________________

                                        THE CHASE MANHATTAN BANK

                                        By:_____________________________________
                                        Title:__________________________________

                                        BARCLAYS BANK PLC

                                        By:_____________________________________
                                        Title:__________________________________

                                        SOCIETE GENERALE

                                        By:_____________________________________
                                        Title:__________________________________

                                        SUNTRUST BANK

                                        By:_____________________________________
                                        Title:__________________________________

<PAGE>

                   [SIGNATURE PAGE 6 OF 6 TO FIRST AMENDMENT]

                                        BANK OF AMERICA, N.A.

                                        By:_____________________________________
                                        Title:__________________________________

                                        THE NORTHERN TRUST COMPANY

                                        By:_____________________________________
                                        Title:__________________________________

                                        WESTPAC BANKING CORPORATION

                                        By:_____________________________________
                                        Title:__________________________________

                                        THE BANK OF NEW YORK

                                        By:_____________________________________
                                        Title:__________________________________

                                        CITIBANK, N.A.

                                        By:_____________________________________
                                        Title:__________________________________

                                        MELLON BANK, N.A.

                                        By:_____________________________________
                                        Title:__________________________________CONSULTING AGREEMENT

     This  consulting  agreement  (this  "Agreement")  is made  the  26th day of
September 2001 by and between The Bauer Partnership,  Inc., (the "Company"), and
Global Funding Group (the "Consultant") for distributions to natural persons.

                                    RECITALS

     WHEREAS,  the  Company  wishes to engage  the  Consultant  with  respect to
certain aspects of its business;

     WHEREAS,  the  Consultant  is willing to make  available to the Company the
consulting services provided for in the Agreement as set forth below;

                                    AGREEMENT

     NOW  THEREFORE,  in  consideration  of  the  premises  and  the  respective
covenants and  agreements of the parties  herein  contained,  the parties hereto
agree as follows:

1.   TERM

     The term of this  Agreement  shall  commence  on the date hereof and end on
September 25, 2002.

2.   CONSULTING SERVICES

     (a) Corporate mergers and acquisitions and long range planning and business
development.

     (b) Compensation.  In consideration of the consulting services set forth in
paragraph 2 (a),  and subject to the terms and  conditions  set forth herein the
Company  hereby  agrees to issue to Consultant  765,000  shares of the Company's
Common  stock (the  "Shares")  and  register  such shares at the time of initial
issuance,  or  immediately  thereafter,  on Form S-8 under the Securities Act of
1933.

     (c) Issuance.  Issuance and delivery of the Common Stock shall be within 45
days of the full reporting date of the company, at which time, the Company shall
deliver to the Consultant:

          (i) the certificate or certificates evidencing the Shares to be issued
     to the Consultant and the respective  dates,  registered in the name of the
     Consultant;  and (ii) evidence that the Shares have been registered on Form
     S-8 to be filed upon issuance of the Shares to the Consultant,  registering
     for resale thereof.

     (d) Expenses.

     During the term of the Consultant's  engagement  hereunder.  The Consultant
shall be entitled to receive prompt  reimbursement  for all reasonable  expenses
incurred by the  Consultant  in  performing  services  hereunder,  including all
travel and living  expenses  while away from home on  business at the request of
and in the service of the Company,  provided that such expenses are incurred and
accounted for in accordance with the policies and procedures  established by the
Company,  and that any  expenses in excess of $500.00 have been  re-approved  in
writing by the Company.

3.   CONFIDENTIAL INFORMATION

     (a)  Confidential   Information.   In  connection  with  the  providing  of
Consulting  Services,  hereunder,  the Company may provide the  Consultant  with
information  concerning  the Company which the Company deems  confidential  (the
Confidential  Information").  The  Consultant  understands  and agrees  that any
Confidential  Information  disclosed  pursuant  to  this  Agreement  is  secret,
proprietary  and of great value to the  Company,  which value may be impaired if
the secrecy of such information is not maintained. The Consultant further agrees
that he will take  reasonable  security  measures  to  preserve  and protect the
secrecy  of such  Confidential  Information,  and to hold  such  information  in
confidence and not to disclose such  information,  either directly or indirectly
to any person or entity during the term of this  agreement or any time following
the expiration or termination hereof; provided, however, that the Consultant may
disclose the  Confidential  Information  to an assistant to whom  disclosure  is
necessary for the providing of services under this agreement.

                                      II-5
<PAGE>

         (b) Exclusions. For purposes of this paragraph 3, the term Confidential
Information shall not include  Information which (i) becomes generally available
to the public other than as a result of a disclosure  by the  Consultant  or his
assistants,  agents or advisors, or (ii) becomes available on a non-confidential
basis to the  Consultant  from a source other than the Company or it's advisors,
provided  that  such  source  is not  known to the  Consultant  to be bound by a
Confidentiality  agreement with or other obligation of secrecy to the Company or
another party.

         (c) Government Order.  Notwithstanding anything to the contrary in this
Agreement,  the  Consultant  shall not be precluded  from  disclosing any of the
Confidential  Information  pursuant  to a valid  order  of any  governmental  or
regulatory authority, or pursuant to the order of any court or arbitrator.

         (d) Injunctive Relief. The Consultant agrees that, since a violation of
this  paragraph  3 would  cause  irreparable  injury  to the  Company,  and that
theremay not be an adequate remedy at law for such violation,  the Company shall
have the right in addition to any other remedies  available at law or in equity,
to enjoin the  Consultant in a court of equity for  violating the  provisions of
this paragraph 3.

4.   REPRESENTATION AND WARRANTIES OF THE COMPANY

         The Company hereby represents and warrants to the Consultant that as of
the  date  hereof  and  as of the  Closing  Date  (after  giving  effect  to the
transactions contemplated hereby):

         (a)  Existence  and  Authority.  The  Company  is  a  corporation  duly
organized  and  validly  existing  in  good  standing  under  the  laws  of  its
jurisdiction  of  incorporation  and has full  power  and  authority  to own its
respective property, carry on its respective business as no being conducted, and
enter into and perform its  obligations  under this  Agreement  and to issue and
deliver the Shares to be issued by it hereunder.  The Company is duly  qualified
as a  jurisdiction  in which it is  necessary  to be so  qualified  to  transact
business as currently conducted. This Agreement, has been duly authorized by all
necessary  corporate  action,  executed,  and  delivered  by  the  Company,  and
constitutes the legal, valid and binding obligation of the Company,  enforceable
against  the  Company  in  accordance  with  its  terms  subject  to  applicable
bankruptcy,  insolvency,  reorganization,   moratorium  or  other  similar  laws
relating  to or  affecting  the  rights of  creditors  generally  and to general
principals of equity.

         (b)  Authorization  and  Validity of Shares.  The Shares have been duly
authorized and are validly issued and outstanding, fully paid and non-assessable
and free of any  preemptive  rights.  THE  Shares  are not  subject to any lien,
pledge, security interest or other encumbrance.

         (c)  Authorization of Agreement.  The Company has taken all actions and
obtain all  consents or  approvals  necessary to authorize it to enter into this
Agreement.

         (d) No Violation.  Neither the execution or delivery of this Agreement,
the  issuance  or  delivery  of Shares,  the  performance  by the Company of its
obligations  under this  Agreement,  nor the  consummation  of the  transactions
contemplated  hereby will conflict  with,  violate,  constitute a breach of or a
default  (with the passage of time or otherwise)  under,  require the consent or
approval of or filing with any person  (other than consent and  approvals  which
have been  obtained and filings  which have been made)  under,  or result in the
imposition  of a lien on or securities  interest in any  properties or assets of
the Company,  pursuant to the charter or bylaws of the Company, any award of any
arbitrator  or  any  agreement  (including  any  agreement  with  stockholders),
instruments, order, judgement, decree, statute, law, rule or regulation to which
the  Company  is party or to which any such  person  or any of their  respective
properties or assets is subject.

         (e)  Registration.  The Shares have been, or will be upon the filing of
an S-8  Registration  Statement,  registered  pursuant to the  Securities Act of
1933, as amended, and all applicable state laws.

5.   FILINGS

     The Company shall furnish to the Consultant,  promptly after the sending or
filing  thereof,  copies of all reports  which the  Company  sends to its equity
security  holders  generally,   and  copies  of  all  reports  and  registration
statements  which the Company files with the Securities and Exchange  Commission
(the "Commission"), any other securities exchange or the national Association of
Securities Dealers, Inc. ("NASD")

                                      II-6
<PAGE>

6.   SUPPLYING INFORMATION

         The Company  shall  cooperate  with the  Consultant  in supplying  such
publicity  available   information  as  may  be  reasonably  necessary  for  the
Consultant to complete and file any information reporting forms.

7.   INDEMNIFICATION

         (a) The Company shall indemnify the Consultant from and against any and
all expenses (including  attorneys' fees),  judgements,  fines, claims, cause of
action,  liabilities  and other amounts paid (whether in settlement or otherwise
actually and  reasonably  incurred) by the  Consultant in  connection  with such
action, suit or proceeding if (i) the Consultant was made a party to any action,
suit or proceeding by reason of the fact that the Consultant  rendered advice or
services pursuant to this Agreement, and (ii) the Consultant acted in good faith
and in a manner reasonably believed by the Consultant to be in or not opposed to
the  interests  of the  Company,  and with  respect  to any  criminal  action or
proceeding,  had no reasonable  cause or believe his conduct was  unlawful.  The
termination of any action,  suit or proceeding by judgment,  order,  settlement,
conviction,  or upon a plea of nolo contendere or its equivalent,  shall not, of
itself, create a presumption that the Consultant did not act in good faith in or
not opposed to the best  interests  of the  Company,  and,  with  respect to any
criminal action or proceeding,  had reasonable cause to believe that his conduct
was unlawful. Notwithstanding the foregoing, the Company shall not indemnify the
Consultant with respect to nay claim, issue or matter as to which the consultant
shall have been adjudged to be liable for gross negligence or willful misconduct
in the performance  other duties  pursuant to this Agreement  unless and only to
the  extent  that the  court in which  such  action  or suit was  brought  shall
determine upon  application  that,  despite the adjunction of liability,  but in
view  of all the  circumstances  of the  case,  the  Consultant  is  fairly  and
reasonably  entitled to indemnity for such expenses  which such court shall deem
proper.

         (b) The Consultant shall indemnify the Company from and against any and
all expenses (including attorney's fees),  judgements,  fines, claims, causes of
action,  liabilities  and other amounts paid (whether in settlement or otherwise
actually and reasonably incurred) by the Company in connection with such action,
suit or  proceeding  if (i) the Company was made a party to any action,  suit or
proceeding by reason of the fact that the Consultant rendered advice or services
pursuant to this  Agreement,  and (ii) the  Consultant did not act in good faith
and in a manner reasonably believed by the Consultant to be in or not opposed to
the  interests  of the  Company,  and with  respect  to any  criminal  action or
proceeding,  did not reasonably believe his conduct was lawful.  Notwithstanding
the foregoing,  the  Consultant  shall not indemnify the Company with respect to
any claim,  issue or matter as to which the Company  shall have been adjudged to
be liable for gross  negligence or willful  misconduct  in  connection  with the
performance of the  Consultant's  duties  pursuant to this Agreement  unless and
only to the extent that the court on which such action or suit was brought shall
determine upon application that, despite the adjunction of liability, bu in view
of all circumstances of the case, the Company is fairly and reasonably  entitled
to indemnify for such expenses which such court shall deem proper.

8.   INDEPENDENT CONTRACTOR STATUS

         It is  expressly  understood  and  agreed  that  this  is a  consulting
agreement  only and  does  not  constitute  an  employer-employee  relationship.
Accordingly,   the  Consultant  agrees  that  the  consultant  shall  be  solely
responsible  for payment of his own taxes or sums due to the federal,  state, or
local governments,  overhead,  workmen's compensation,  fringe benefits, pension
contributions and other expenses.  It is further  understood and agreed that the
Consultant is an  independent  contractor and the company shall have no right to
control the activities of the Consultant other than during the express period of
time in which the  Consultant is performing  services  hereunder,  and that such
services  provided  hereunder and not because of any presumed  employer-employee
relationship. The Consultant shall have no authority to bind the company.

         The parties further  acknowledge that the Company's  services hereunder
are not  exclusive,  but that the  Consultant  shall be performing  services and
undertaking  other  responsibilities,  for and with other  entities  or persons,
which may directly or  indirectly  compete with the  Company.  Accordingly,  the
services of the  Consultant  hereunder  are on a part time basis  only,  and the
Company shall have no discretion,  control of, or interest in, the  Consultant's
services which are not covered by the terms of the Agreement. The Company hereby
waives any  conflict of interest  which now exists or may  hereafter  arise with
respect to Consultant's current employment and future employment.

                                      II-7
<PAGE>

9.   NOTICE

         All notices provided by this Agreement shall be in writing and shall be
given by facsimile  transmission,  overnight  courier,  by registered mail or by
personal delivery,  by one party to the other,  addressed to such other party at
the applicable address set forth below, or to such other address as may be given
for such  purpose by such other  party by notice  duly given  hereunder.  Notice
shall be deemed properly given on the date of the delivery.

                           To Consultant:    Global Funding Group
                                             6975 S. Union Park Center, Ste. 600
                                             Midvale, UT 84047

                           To the Company:   The Bauer Partnership, Inc.
                                             29th Flr., One Canada Square
                                             Canary Wharf
                                             London, England E14 5DY

10.      MISCELLANEOUS

     (a) Waiver.  Any term or provision of this  Agreement  may be waived at any
time by the party entitled to the benefit  thereof by a written  instrument duly
executed by such party.

     (b) Entire  Agreement.  This  Agreement  contains the entire  understanding
between the parties hereto with respect to the transactions contemplated hereby,
and may not be amended,  modified, or altered except by an instrument in writing
signed by the party against whom such amendment,  modification, or alteration is
sought  to be  enforced.  This  Agreement  supercedes  and  replaces  all  other
agreements  between the parties  with respect to any services to be performed by
the Consultant of behalf of the Company.

     (c) Governing  Law. This  Agreement  shall be construed and  interpreted in
accordance with the laws of the State of Nevada.

     (d) Binding  Effect.  This Agreement shall bind and inure to the benefit of
the  parties  hereto  and their  respective  heirs,  executors,  administrators,
successors and assigns.

     (e) Construction.  The captions and headings  contained herein are inserted
for  convenient  reference  only,  are not a part  hereof and the same shall not
limit  or  construe  the  provisions  to which  they  apply.  Reference  in this
agreement  to  "paragraphs"  are to the  paragraphs  in this  Agreement,  unless
otherwise noted.

     (f)  Expenses.  Each party  shall pay and be  responsible  for the cost and
expanses,  including,  without  limitations,  attorneys's fees, incurred by such
party  in  connection  with  negotiation,  preparation  and  execution  of  this
Agreement and the transactions contemplated hereby.

     (g)  Assignment.  No party  hereto may assign any of its rights or delegate
any of its obligations  under this Agreement without the express written consent
of the other party hereto.

     (h) No Rights to Others. Nothing herein contained or implied is intended or
shall be  construed to confer upon or give to any person,  firm or  corporation,
other than the parties hereto.

          (i) Counterparts. This Agreement may be executed simultaneously in two
     counterparts,  each of which shall be deemed an original, but both of which
     together  shall  constitute  on and the same  agreement,  binding upon both
     parties  hereto,  notwithstanding  that both parties are not signatories to
     the original or the same counterpart.

                                      II-8

<PAGE>

         IN WITNESS  WHEREOF,  the parties have executed  this  Agreement on the
date and year first above written.

                                                The Bauer Partnership, Inc.

                                                By:/s/ Ronald J. Bauer
                                                   -------------------------
                                                Ronald J. Bauer
                                                Its: Chief Executive Officer

                                                Global Funding Group

                                                By:/s/ Adrian Wilson
                                                   -------------------
                                                Adrian Wilson
                                                Its:

                                      II-8

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