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VANTAS

                     OFFICE SERVICE AGREEMENT

This Agreement is made March 24, 2000, by and between VANTAS Boca
Raton, Inc. VANTAS ("Center") having offices known and numbered as
Suite 200 (the "Facility") in the building located at 1200 North
Federal Highway, Boca Raton, FL 33432 (the "Building) and INFE.com,
Inc. ("client a(n) (corporation) with an address of 8000 Towers
Crescent Drive, Suite 640, Vienna, VA 22182 for a term of 6 months,
commencing on April 1, 2000 (the "Commencement Date") and ending on
September 30, 2000 (the "Initial Term") unless renewed in
accordance with Paragraph 3.

     In consideration of the foregoing, the parties for themselves,
their heirs, legal representatives, successors and assigns, agree
as follows:

     1.   Center's Obligations
          --------------------

     a.   Subject to the terms and conditions of this Agreement,
Center hereby agrees to provide Client for the Term (as defined
below in Paragraph 3). (a) the exclusive use of Furnished Private
Office(s) number(s) 066 located in the Facility (the "Premises; and
(b) non-exclusive use of the following services.

*    Furnished, Decorated Reception Room with Professional
     Receptionist.

*    Personalized Telephone Answering During Office Hours

*    24 hour Voicemail

*    8 hours of Conference Room per month subject to prior
     scheduling and use by other clients

*    Corporate Identity on Lobby Director where Available

*    Receipt of Mail and Packages

*    Complete Kitchen Facilities with Coffee Service

*    Utilities and Maintenance

*    HVAC During Normal Business Hours

*    Janitorial Services

*    8 hours per month courtesy use of other VANTAS affiliated
     facilities.  Locations subject to current affiliation and
     availability.

     b.   If, for any reason, Center cannot deliver possession of
the Premises to Client on the Commencement Date, this Agreement
will be null and void.

     2.   Use.
          ----

The Premises will be used by client solely for general business and
such other normally incident uses and for no other purpose, in
strict accordance with the Operation Standards, which are annexed
hereto as Schedule A.  Client will not offer at the Premises any
services which Center provides to its Clients, including, but not
limited to those services described in Paragraph 1.  Client will
not make nor permit to be made any use of the Premises, Facility or
Building which would violate any of the terms of this Agreement or
which, directly or indirectly, is forbidden by law, rule or
regulation, which may be dangerous to life, limb or property or
which could in any way impair, interfere or tend to impair or
interfere with the high quality character, reputation or appearance
of the Building or the Facility of with any services performed by
Center for Client or for others.  The foregoing provisions will
also apply to Client's Users (as defined in Paragraph 9.

     3.   Renewal
          -------

     Upon expiration of the Initial Term and on any subsequent
renewal term (each, a "Renewal Term" and together with the Initial
Term, the "Term") of this Agreement, the Agreement automatically
will be extended for the same period of time as the Initial Term
and upon the same terms and conditions as herein contained except
for the amount of the Monthly Office Charge (as defined in
Paragraph 4) then in effect, which will each be increased by seven
percent (7%), unless either party notifies the other in writing
within the period hereinafter specified hat the Agreement will not
be extended.  If Client has less than three offices, such notice
will be given at least sixty (60) days prior to the expiration of
the Initial Term or the Renewal Term, as the case may be.

     4.   Monthly Office Charge
          ---------------------

     a.   For and during the Term of this Agreement, Client will
pay to Center, on or before the first day of each month after the
Commencement Date, the sum of $1,880.00 as Monthly Office Charge
(subject to increase in accordance with Paragraph 3 above) for the
Premises.  If any payment of Monthly Office Charge or other charge
due under this Agreement is not received within five (50 calendar
days after its due date, the Client will also pay, in addition to
Monthly Office Charge, a late payment change which will be an
amount equal to ten percent (10%) of any amount owed to Center or
fifty dollars ($50.00) whichever is greater.   The Financial terms
of this Agreement are strictly confidential and Client agrees not
to knowingly or willfully divulge this information to any other
Client or potential Client of Center.

     b.   This Monthly Office Charge payable during the Term of
this Agreement is subject to increase following notification of any
increase in the rent, operating expenses or taxes which the Center
might receive under the Main Lease (as defined in Paragraph 20),
including any increase in respect of past periods under the Term.
Center will promptly notify Client in writing of any such increase,
and will bill Client for its pro rata share thereof.

     c.   The Monthly Office Charge is based on the value of the
use of the Premises and services to be used by 1 person(s) only.
If more than said number of person(s) regularly uses the Premises

                             1
                                      __/s/__ Initials   __/s/__ Initials
<PAGE>  Exhibit - 10.20

or services the Monthly Office charge will be increased in an
amount equal to $100.00 for each such additional person.

     d.   If a Client check is returned for any reason, Client will
pay and additional charge of $25.00 per returned check and, for the
purpose of considering default and/or late charges, it will be as
if the payment represented by the returned check had never been
made.

     5.   Refundable Retainer.
          --------------------

     a.   Client will deposit with Center $3,420.00 in good or
certified funds, as a non-interest bearing refundable retainer.
Center may use the refundable retainer to cure any default of
Client under this Agreement, to restore the Premises, including any
and all furniture, fixtures and equipment, provided by Center to
its original condition and configuration, reasonable wear and tear
excepted, to pay for repairs to any damage to the Premises,
Facility and/or Building, caused by Client or Client's guests, or
to pay any Monthly Office Charge or other charges that Client owes
Center at or prior to the expiration of the Term of this Agreement.

     b.   The refundable retainer (less any sums used by Center in
accordance with the terms and conditions of this Agreement) will be
returned within sixty (60) days after the termination of any
services rendered or expiration of the Term.  Client may not direct
or request that the refundable retainer be applied in lieu of the
final payment(s) of Monthly Office Charge or service charges under
this Agreement.

     c.   In the event that Center applies any of the refundable
retainer deposited pursuant to this Agreement, Center will have the
right to charge the Client, and Client will pay, in addition to any
Monthly Office Charge, such sums as are necessary to cause the
refundable retainer to be returned to its entire original amount.

     6.   Services
          --------

     a.   Provided Client is not in default of this Agreement,
Center will make available certain services to Client as more
particularly described in Paragraph 1.  Charges for such services
will be included as part of the Monthly Office Charge.

     b.   Client shall pay a monthly amount equal to $100.00 per
office in respect of the monthly service package (the "Monthly
Service Package").  Payment of such amount will be on the same
terms and conditions as those governing the payment of the Monthly
Service Charge.  The Monthly Service Package will entitle the
Client to receive upon request an aggregate of four hours per month
of clerical and/or word processing services from the center.

          In addition to the Monthly Service Package, upon request,
Center will make available to Client additional services as Center
may make generally available, the charges for which will be
established as per Center's then schedule rates as determined by
Center.  Payment for these services will be subject to the same
terms and conditions as those governing the payment of the Monthly
Service Charge.  Center will have no obligation to provide such
services if Client is in default of this Agreement or if the
anticipated charges exceed the amount of the refundable retainer.
When providing services to Client that involve third parties,
Center will have the right to require Client to pay, or to
reimburse the Center for, the fees and expenses of such third party
in advance.

     7.   Telephone Services.
          -------------------

     a.   Provided Client is not in default of this Agreement,
Center will make available to Client a telecommunications package,
the charges for which will be established as per Center's then
scheduled rates as determined by Center.  Payment for these
services will be subject to the same terms and conditions as those
governing the payment of the Monthly Office Charge.  All telephone
numbers used by Client will remain at all times the property of
Center and Client will acquire no rights in the components of the
telecommunications package whatsoever.

     b.   Client hereby agrees to indemnify, hold harmless and
reimburse Center for all charges associated with (1) any toll fraud
traceable to telecommunications services provided by Center to
Client including, but not limited to, unauthorized use of calling
cards or telephone lines, and (2) any advertising costs of Client
involving the telephone number assigned to it, including, without
limitation, yellow pages advertising (it being understood that
Center is under no obligation to procure such advertising and that
any such advertising by Client is subject to the Operations
Standards).

     c.   It is expressly acknowledged and agreed that Center will
be sole and exclusive provider of telecommunications services to
Client.  Client hereby agrees and covenants that it will not use
any other telephone service or telephone carrier to provide it
service in the Premises.

     d.   Center shall not be liable for any interruption or error
in the performance of its services to Client under this Paragraph
"7".  Client waives any recourse against Center arising from the
prevision of such services, including, without limitation, any
claim of business interruption or for any indirect, incidental,
special, consequential or punitive damages, except for claims
arising out of willful misconduct by Center.

     8.   Indemnity/Limitation of Liability Insurance.
          --------------------------------------------

     a.   Client will indemnify and hold harmless Center from and
against any loss, damage, injury, liability or expense to or of
person or property occasioned by or resulting from any wilful
misconduct or grossly negligent act on the part of Client or
Client's Users.  Center will not be liable to Client or to any
other person on account of loss, damage or theft to any business or
personal property of Client.  Center will not be liable for any
loss, damage, injury, liability or expense to or of person or
property except as may result from Center's wilful misconduct or
grossly negligent acts.  Center will indemnify and hold harmless
Client from and against any loss, damage, injury, liability or
expenses to or of person or property occasioned by or resulting
from any wilful misconduct or grossly negligent act on the part of
Center, its agents, employees, or invitees, or persons permitted on
the Premises by Center.

     b.   Center will not be liable for any claim of business
interruption or for any indirect, incidental, special,
consequential, exemplary or punitive damages arising out of any
failure to furnish any service or facility, any error or omission
with respect thereto, or any delay or interruption of same.
Neither Center nor any of its agents, employees, officers or
directors will be deemed to be making any representations or
warranties, whether express or implied, as to the ability of any
systems, including, without limitation, computer and electronic
based equipment, relating to the Building, Facility or Premises or
to any services to be provided hereunder to process date fields
relating to the Year 2000 nor will any of them be liable for the
failure of such systems to process such date fields.  Center's
liability under this Agreement will in no event exceed the amount
paid by the Client for the services for which the claim arose.  The
parties agree to the allocation of risk contained herein.

     c.   Client will, prior to the Commencement Date of this
Agreement provide Center with a certificate of insurance evidencing
General/Public Liability coverage with liability limits of not less
than One Million Dollars ($1,000,000.00) per occurrence for Bodily
Injury and/or Property Damage Liability and One Hundred Thousand
Dollars ($100,000.00) per occurrence for Fire/Legal Liability.
Said insurance coverage will remain in force during the Term of
this Agreement.  VANTAS International Incorporated and VANTAS Boca
Raton, Inc. will be named as an additional named insured on each of
these policies.  Clients' failure to provide  or maintain such

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<PAGE>  Exhibit - 10.20

insurance will not reduce or otherwise alter Client's liability or
responsibility to pay any judgment rendered against Client for any
liability or damages.  All insurance required to be maintained by
Client include a waiver of subrogation in favor of Center and the
landlord under the Main Lease.  Center will not have any obligation
to maintain insurance for Client's benefit.

     d.   The provisions of this Paragraph 8 will survive
expiration or earlier termination of the term of this Agreement.

     9.   Operating Standards.
          --------------------

     The Operating Standards attached to this Agreement as Schedule
A are hereby made an integral part of this Agreement.  Client, it
employees, agents, guests, invitees, visitors and/or any other
persons caused to be present in and around the Premises by the
Client ("Client's Users") will perform and abide by the Operating
Standards then in effect.

     10.  Employment of Center's Employees.
          ---------------------------------

     Client agrees that it will not, during the Term of this
Agreement and for a period of one year thereafter, directly or
indirectly, employ or offer to employ any person who is or has been
an employee of Center without prior consent from Center.  If Client
hires either an employee of Center or any person who has been an
employee of Center within six months prior to the time such person
is hired by Client, Client will be liable to Center for liquidated
damages equal to six months wages of the employee, at the rate last
paid that employee by Center.  The provisions of this paragraph
will survive the Term of this Agreement.

     11.   Access.
           -------

          Center and its agents will have the right of access to the
Premises at the time for the purpose of (i) making any repairs,
alterations and/or inspections which it deems necessary in its sold
discretion or the preservation, safety or improvements of the
Premises, or (ii) to show the Premises of prospective Clients,
without in any way being deemed or held to have committed an
eviction (constructive or otherwise) of or trespass against Client.

     12.   Relocation.
           -----------

     [DELETED]

     13.   Assignment and Subletting.
           --------------------------

     No assignment or subletting of the Premises, this Agreement or
any part will be made by Client without Center's prior written
consent, which consent may be withheld in Center's sole discretion.
Center may assign its rights and obligations under Agreement in
whole or in part without Client's consent.

     14.   Termination.
           ------------

     a.   On expiration or earlier termination of the Term, Client
will, without demand, promptly surrender and deliver the Premises,
including any furniture, fixtures and equipment provided by Center,
to Center in its original condition and configuration, reasonable
wear and tear excepted.  If Client fails to so surrender and
deliver the Premises, Client agrees to pay Center, as liquidated
damages, a sum equal to twice the Monthly Office Charge for each
month or portion thereof that the Client retains possession of the
Premises.

     b.   If Client vacates the Premises and leaves behind any
property, whatsoever, such property will be deemed abandoned by
Client and may be disposed of with written notice to Client by
Center at Client's expense and without liability to Center.

     c.   In the event the Premises, the Facility or the Building
is damaged, destroyed or taken by eminent domain either party may
terminate this Agreement without liability on (30) days written
notice to the other party.

     d.   Upon early termination of the Main Lease, the Agreement
will terminate without liability to any party unless the Landlord
under such Main Lease elects to have this Agreement assigned to
such Landlord or other entity as provided in such Main Lease.

     15.   Default and Remedies.
           ---------------------

     a.   Client will be deemed to be in default of this Agreement
if Client fails to fulfill any of its terms, conditions, covenants
or provisions of this Agreement, including but not limited to (1)
payment of Monthly Office Charge and/or any other charges hereunder
within ten days of the date such charges became due; or abandonment
and/or [illegible] r o f the Premises by the Client prior to
expiration of the Term, or (2) if Client becomes insolvent, makes
an assignment for the benefit of creditors or files a voluntary
petition, or has an involuntary petition filed against it, under
any bankruptcy or insolvency law.

     b.   In the case of such default, the Center may, at its sole
discretion, terminate this Agreement upon five days notice to the
Client.  Upon the expiration of the five day period, Client will
vacate the Premises, the Center may

     i.   re-enter and take possession of the Premises and remove
          all persons and property therefrom; and
     ii.  disconnect any telephone lines installed for the benefit
          of Client; and
     iii. cease supplying Client with the services described in
          Paragraph 1 hereof.

If Client defaults and Center takes any of the foregoing action, or
changes the locks, removes Client's property, or otherwise denies
access to Client, Center will not be liable for any damages to the
Client.

     c.   In addition to the foregoing, Center may elect o
accelerate all of the Client's obligations hereunder, including
without limitation, Monthly Office Charge and other monthly
recurring charges, for all or part of the term Center is under no
obligation, implied or otherwise, to mitigate its damage(s) under
default by Client.

     d.   Should Center be unable to enter into another office
service agreement relating to the Premises, or should Center enter
into another office service agreement relating to the Premises for
less than the Monthly Office Charge which Client is obligated to
pay under this Agreement, Client will pay the amount of such
deficiency, plus the expenses of entering into such other service
agreement relating to the Premises, immediately in one lump sum, to
Center upon demand and/or at Center's option as such obligations
accrue hereunder.

     e.   In connection with any default by Client under this
Agreement, if Center incurs attorney's fees and/or costs of
collection or of ensuring performance, Client will pay all such
sums with interest, and such sums will be deemed to be owned by
Client in addition to the Monthly Office Charge hereunder, and, if

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<PAGE>  Exhibit - 10.20

the Term has expired at the time of incurring such sums, such sums
will be recoverable from Center as damages.

     16.  Mail & Telephone Forwarding.
          ----------------------------

     Upon expiration of the Term, Center will, unless otherwise
instructed by client in writing no later than 30 days prior to the
expiration of the Term, forward mail to Client at its new address
and give out Client's new telephone number via a voice mail message
for a period of three months at the rate of One Hundred and Fifty
Dollars ($150.00) per month, which sums will be deducted from any
amounts deposited with the Center from the refundable retainer
deposited hereunder or will otherwise be paid to the Center in
advance.  Unless the Client pays the Charges set forth herein to
the Center in advance, Center will have no obligation to provide
the services set forth herein.  Express as expressly provided
herein, Center will have no obligation to notify any person or
entity of Client's new telephone number and address.

     17.  Notices.
          --------

     Any notice under this Agreement will be in writing and will be
either delivered by hand, first class mail or by overnight courier
to the party at the address set forth below.  Center hereby
designates its address as:

     VANTAS Boca Raton, Inc. VANTAS
     1200 North Federal Highway
     Boca Raton, FL 33432

     Attn: Management

Client hereby designates its address (which address must be an
address within the United States), as

     INFE.com
     Attn: Tom Richfield
     8000 Towers Crescent Drive, Suite 640
     Vienna, VA 22812
     Phone: (703)-734-5650
     Fax:

If such mail is properly addressed and mailed as above, it will be
deemed notice for all purposes, given when sent or delivered, even
if returned as undeliverable.

     18.  Severability.
          -------------

     The invalidity of any one or more of the sections,
subsections, sentences, clauses or words contained in this
Agreement or the application thereof to any particular set of
circumstances, will not affect the validity of the remaining
portions of this Agreement or of their valid application to any
other set of circumstances.  Regardless of whether or not either
party has elected to consult with legal counsel in reviewing this
Agreement, it is the intent of the parties that in no event will
the terms, conditions or provisions of this Agreement be construed
against either party as the drafter of this Agreement.

     19.  Execution by Client.
          --------------------

     The party or parties executing this Agreement on behalf of the
Client warrant(s) and represent(s) that: (i) that such executing
party (or parties) has (or have) complete and full authority to
execute this Agreement on behalf of Client; and (ii) that Client
will fully perform its obligation hereunder.

     20.  Miscellaneous.
          --------------

     a.   Failure of the Center to insist upon the strict
performance of any term or condition of this Agreement or to
exercise any right or remedy available for a breach thereof, or
acceptance of full or partial payment during the continuance of any
such breach, will not constitute a waiver of any such breach or any
such term or condition.  No term or condition of this Agreement
required to be performed by Client and no breach thereof, will be
waived, altered or modified, except by a written instrument
executed by Center.

     b.   Time is of the essence as to the performance by Client of
all covenants, terms and provisions of this Agreement.

     c.   This Agreement embodies the entire understanding between
the parties relative to its subject matter, and will not be
modified, changed or altered in any respect except in writing
signed by all parties.

     d.   This Agreement may be executed in two or more
counterparts, each of which will be deemed to be an original, but
all of which together will constitute one and the same instrument.

     e.   This Agreement is subject and subordinate to the Building
lease governing the Facility, under which Center is bound as tenant
(the "Main Lease") and the provisions of the Main Lease, other than
as to the payment of Monthly Office Charge or other monies, are
incorporated into this Agreement as if completely herein rewritten.
Client will comply with and be bound by all provisions of the Main
Lease except that the payment of the Monthly Office Charge will be
governed by the provisions of this Agreement, and Client will
indemnify and hold Center harmless from and against any claim or
liability under the Main Lease arising from Client's breach of the
Main Lease or this Agreement.

     IN WITNESS WHEREOF, Center and Client have executed this
Agreement as of the date first above written.

CENTER:____________________________________

By:_________________________________________

CLIENT:              INFE.com
       -------------------------------------

By:             /s/Harold Mohn
   -----------------------------------------
(If a corporation)

Name:             Harold Mohn
     ---------------------------------------
Title:               CFO
      --------------------------------------

               [Corporate Seal]

CLIENT:
(If an individual or partnership)

By:______________________________________

By:______________________________________

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                                      __/s/__ Initials   __/s/__ Initials
<PAGE>  Exhibit - 10.20

SCHEDULE A       OPERATING STANDARDS
------------------------------------

1.   Clients and their guests will conduct themselves in a
     businesslike manner, proper attire will be worn at all times,
     and the noise level will be kept to a level so as not to
     interfere with or annoy other Clients.

2.   Client will not provide or offer to provide any services to
     Center's customers if such services are available from Center.

3.   Client will not prop open any corridor doors, exit doors or
     doors connecting corridors during or after business hours.

4.   Clients using public areas may only do so with the consent of
     the Center, and those areas must be kept neat and attractive
     at all times.

5.   Client will not conduct any activity within the Premises,
     Facility or Building which in the sole judgment of the Center
     will create excessive traffic or is inappropriate to a shares
     office environment.

6.   Client may not conduct business in the corridors or any other
     areas except in its designated offices or conference rooms
     without the written consent of Center.

7.   All corridors, halls, elevators and stairways will not be
     obstructed by Client or used for any purpose other than normal
     egress and ingress.

8.   No advertisement, identifying signs or other notices will be
     inscribed, painted or affixed on any part of the corridors,
     doors, windows or public areas.

9.   Without Center's prior written consent, Client is not
     permitted to place "mass market", direct mail or advertising
     (i.e. newspaper, classified advertisements, yellow pages,
     billboards) using Center's assigned telephone number or take
     any such action that would generate an excessive number of
     incoming calls.

10.  Client will not solicit clients of Center or their employees
     in the Building without first obtaining Center's prior written
     consent.

11.  Immediately following Client's use of conference room space
     and/or audio/visual equipment, Client will clean up and return
     the space and equipment to the state and condition it was
     prior to Client's use.  If not, Center may charge Client for
     any other services required to restore the conference space
     and/or equipment to its original condition.

12.  Center must be notified in writing if Client desires to
     utilize the conference room or other common areas of the
     Facility during evening or weekend hours.  Center may deny the
     Client access if the desired usage is inappropriate and may
     disrupt normal operations.

13.  Client will not, without Center's prior written consent, store
     or operate any computer (except a desktop/laptop computer or
     fax machine) or any other large business machines, copier and
     postage equipment, heating equipment, stove, speaker phones,
     radios, stereo equipment, or other mechanical amplification
     equipment, refrigerator or coffee equipment, or conduct a
     mechanical business, do any cooking, or use or allow to be
     used on the Premises oil, burning fluids, gasoline, kerosene
     for heating, warming or lighting.  No article deemed extra
     hazardous on account of fire or explosives will be brought
     into said Premises or Facility.  No offensive gases, odors or
     liquids will be permitted.

14.  Client will bring no animals into the Premises or Facility
     except for those assisting disabled individuals.

15.  Client will not remove furniture fixtures or decorative
     material from offices or common areas without the prior
     written consent of Center.

16.  Client will not make any addition copies of any Center issued
     keys.  All keys and security cards are the property of Center
     and must be returned upon request or by the close of business
     on the expiration or sooner termination of the Agreement term.
     Any lost or unreturned keys or cards will incur a Twenty-Five
     Dollar ($25.00) per item charge and the cost to re-key the
     office.

17.  Client will not smoke or allow smoking in any area of the
     Facility, including the Premises, and will comply with all
     governmental regulations and ordinances concerning smoking.

18.  Client will not allow more than three visitors in the
     reception lobby of the Premises at any one time.

19.  Client's parking rights (if any) are defined by the Main
     Lease.   Landlord reserves the right to modify parking
     arrangements if required to do so by Building Management.

20.  Any alterations to the Premises requested by Client, including
     affixing anything to the walls of the Premises, will be done
     only (i) with the written permission of Center, which
     permission may be withheld by the Center for any reason
     whatsoever, and (ii) by an agent of the Center's choosing at
     the Client's sole cost and expense.

21.  Any equipment desired to be used and or installed by the
     client, other than those machines ordinarily used for regular
     office purposes (i.e. personal computers, personal printers,
     calculators, adding machines, etc.) will be subject to the
     Center's prior written consent to any such use or
     installation.

22.  Client will cooperate and be courteous with all other
     occupants of the Facility and Center's staff and personnel.

23.  Upon request, Client will use a chair mat.

24.  Center reserves the right, without prior notice, to modify any
     of the foregoing and to make such other reasonable rules and
     regulations as in its sole discretion may from time to time be
     needed for the safety, care, appropriate operation and
     cleanliness of the Facility.

<PAGE>   Exhibit - 10.20

SCHEDULE OF SERVICES
_________________________________________________________________

                        BILLABLE SERVICES

CLERICAL SERVICES (MINIMUM 12 MINUTES)..............................  $24/HR
Examples include filing, extensive fax transmissions, photocopying,
handwritten messages, metering mail for mass mailings, on-demand
call patching or paging, concierge services, catering and
preparation, UPS and express package preparation, telemarketing and
notary services.

WORD PROCESSING (MINIMUM 18 MINUTES)................................. $30/HR
Examples include straight keyboarding without any additional
attributes, tape transcription and database entry.

DESKTOP PUBLISHING/ADVANCE COMPUTER SERVICES (MINIMUM 18 MINUTES)...STARTS AT
                                                                    $40/HR
Examples include charts and graphs, database development, page
layout and composition, scanning, PowerPoint[R] presentations,
resumes and internet services.

*    Standard turnaround time for a billable services project is 8
     business hours from the time of the request.  A rush charge of
     50% will apply if another client's project must be put on hold
     in order to complete the "rush" client's project before the 8
     business hours are up.
*    If overtime is requested by the client to complete a project,
     an additional 100% will apply over and above the standard
     hourly rate.
*    All billing in accordance with Industry Production Standards
     published by the Executive Suite Association.
*    Billed in 6 minute increments in accordance with Industry
     Production Standards.

                   TELECOMMUNICATIONS SERVICES

TELEPHONE EQUIPMENT.......................................$125/PER SET/MONTH
Includes phone with built-in speaker phone, DID phone number, 2
roll-over lines, and one line directory listing

FAX OR DATA LINE..........................................$60/PER LINE/MONTH

ADDITIONAL DID LINE.......................................$50/PER LINE/MONTH

PHONE, FAX OR DATA LINE INSTALLATION...........................$150/ONE-TIME
                                                      CHARGE/LINE/SET-UP FEE

ADDITIONAL VOICE MAIL BOX OR AUTO ATTENDANT........................$25/MONTH

VIDEO CONFERENCING (WHERE AVAILABLE)............$150/HR+$50 SET-UP FEE+USAGE

OUTPAGING................................................$25/MONTH PER PAGER

PROGRAMMING VOICEMAIL TO PAGER.....................$25 PROGRAMMING FEE/PAGER

CALL PATCHING (UP TO 100 PATCHES)..................$50/MONTH PER PERSON+USAGE

CALL PATCHING SET-UP FEE..........................................$25/NUMBER

CALL SCREENING..........................................$50/MONTH PER PERSON

TELECOM MOVES, ADDS, OR CHANGES..............................STARTING AT $75

                      OFFICE ACCESS PROGRAMS

MAIL ACCESS         $75/MONTH....................................$100/MONTH

TELEPHONE ACCESS    $100/MONTH...................................$125/MONTH

OFFICE ACCESS       $225/MONTH...................................$295/MONTH

*    Office Access includes 4 hours of conference room, office
     and/or workstation time, can be customized if the client
     requires additional hours.

                                                           [LOGO]
                                                           VANTAS

<PAGE>   Exhibit - 10.20

SCHEDULE OF SERVICES
_________________________________________________________________

                        TECHNICAL SERVICES

TECHNICAL SERVICES...........................................$75 - $125/HOUR
Including, but not limited to, installing computer equipment,
troubleshooting, software installation and hardware upgrades.

LAN CONNECTIVITY..............................................$25/MONTH/USER

DEDICATED T-1 OR DSL (REQUIRES LAN CONNECTIVITY).............$100/MONTH/USER

LAN CONNECTIVITY AND CABLE INSTALLATION........................$150/PER DROP

T-1 INSTALLATION/TECHNICAL SERVICES................................$125/HOUR

EMAIL ACCOUNTS (GENERIC)............................................$8/MONTH

EMAIL ACCOUNTS (PERSONAL DOMAIN)...................................$12/MONTH

DOMAIN NAME REGISTRATION...........................................$150/EACH

WEB PAGE DESIGN...................$180/FRONT PAGE; $120/EACH ADDITIONAL PAGE

WEB PAGE EDITS AND UPDATES...........................................$100/HR
          Minimum 30 minutes, billed in 15-minute increments.

                  MISCELLANEOUS SUPPORT SERVICES

PHOTOCOPIES....................................................1-350 $.15 EA
                                                             350-700 $.12 EA
                                                            701-1000 $.10 EA
                                                           1001-2000 $.08 EA
                                                               2001+ $.06 EA

FACSIMILE SERVICES.............................$1.50 PER PAGE + COST OF CALL

OFFICE SUPPLIES.................................NATIONAL DISCOUNTS AVAILABLE

POSTAL SERVICE, UPS, LOCAL COURIER...........................20% SERVICE FEE

FEDERAL EXPRESS.................................NATIONAL DISCOUNTS AVAILABLE

STORAGE...................................VARIES PER CENTER; WHERE AVAILABLE

CONFERENCE ROOMS OR GUEST OFFICES...........................$25/HR; $150/DAY

*   Training Rooms available in some locations

*   Cancellation fee of 30% if scheduled conference room is not
    cancelled within 8 hours of scheduled time

*   Conference Rooms Include Complementary Overhead, Easel and VCR

LCD PROJECTOR RENTAL...........................$250/HALF DAY; $400/FULL DAY

MOVING FURNITURE..................................................$25 PIECE

OFFICE SET-UP FEE......................................$150-$250/PER OFFICE

RELOCATING OFFICES WITHIN THE CENTER..........................$50.00/OFFICE

ADDITIONAL FURNITURE...................................PIECES VARY BY PIECE

LOST SECURITY CARD, KEYS, ETC....................................... $25.00

PARKING..................................VARIES PER CENTER; WHERE AVAILABLE

    VANTAS reserves the right to adjust pricing as necessary.

<PAGE>    Exhibit - 10.20EMPLOYMENT AGREEMENT

      THIS AGREEMENT (the "Agreement") is effective as of January 1, 2000, by
and between INFOCALL Communications Corp. ("Employer"), and Thomas M. Richfield
("Employee"), Employer and Employee are also each individually referred to as a
"Party" and collectively as the "Parties".

      WHEREAS, Employer desires to retain the experience and skills of Employee;

      THEREFORE, in consideration of the mutual covenants and obligations
hereinafter set forth and other good and valuable consideration, the Parties
hereto agree as follows:

1. Employment. Commencing January 1, 2000, and continuing through January 1,
2003 unless sooner terminated under the provisions of Section 4 below, and from
year to year thereafter until terminated under the provisions of Section 4
below, Employer shall employ Employee as President and C.E.O., to perform the
duties and assume the responsibilities associated with such capacity subject to
the power of Employer to reasonably expand and limit such duties and
responsibilities, together with such other duties and responsibilities as
Employer may reasonably assign, from time to time and at such place or places as
Employer shall reasonably designate.

2. Commitment of Employee. Employee shall, to the best of his/her ability,
devote his/her full business time and best efforts to the performance of his/her
duties under this Agreement and the business and affairs of Employer. Employee
shall duly, punctually, and faithfully perform and observe any and all rules and
regulations which Employer may now or shall hereafter establish governing the
conduct of its business and the conduct of its employees, except to the extent
that such rules and regulations are inconsistent with this Agreement. Without
the prior written consent of Employer's President, Employee:

      (A) Shall not undertake or engage in any other employment, occupation, or
business enterprise, other than ones in which he/she is a passive investor.

      (B) Shall not acquire, assume, or participate in, directly or indirectly,
any position, investment, or interest known by Employee to be adverse,
competitive, or antagonistic to Employer, Employer's business, or Employer's
prospects, financial or otherwise. If Employee becomes aware that a previously
permitted position, investment, or interest has become adverse, competitive, or
antagonistic to Employer, Employer's business, or Employer's prospects,
financial or otherwise, Employee shall promptly take effective action to
disassociate himself/herself from said position, investment, or interest.

      (C) Notwithstanding the above, may own as a passive investor securities of
any other competing business entity so long as his direct or indirect holdings
in any one such entity shall not in the aggregate constitute more than 1% of the
voting power in same.

                                  Page 1 of 9

<PAGE>    Exhibit - 10.21

      (D) Notwithstanding the above, may engage in educational, charitable,
civic, political, social, trade association, and other non-profit activities to
the extent such activities do not materially interfere with the performance of
his duties to Employer and as long as said activities and the organizations with
which he engages in said activities are not adverse, competitive, or
antagonistic to Employer, Employer's business, or Employer's prospects.

3. Compensation.

      (A) Salary. During his employment under this Agreement, Employer shall pay
Employee a salary at the rate of $200,000.00 per year payable periodically in
installments according to Employer policy, less appropriate deductions as
required by law or otherwise permitted by Employee.

      (B) Benefits. Employee shall be entitled to participate in and enjoy
according to Employer policy any and all expense reimbursement, pension,
retirement, profit-sharing, stock purchase, stock option, life insurance,
accident insurance, medical reimbursement, health insurance or hospitalization
plan, cafeteria plan, deferred compensation plan, vacations, holidays and other
leave, and any other fringe benefits in which other employees of the Employer in
positions similar to his are eligible to participate and entitled by Employer
policy to enjoy.

      (C) Bonus. Provided that Employee is an employee of Employer on December
31 of a calendar year beginning with calendar year 2000 and for each calendar
year thereafter, upon the closing of Employer's books of account for said
calendar year Employer shall pay Employee a bonus at the discretion of Employer.

      (D) Stock Options. Employee shall be entitled to stock options as follows:

            1,000,000 (one million) options at the closing market price on
June 30, 2000 and vesting immediately on that date.

            1,000,000 (one million) options at the closing market price on
June 30, 2000 and vesting immediately on June 30, 2001.

            1,000,000 (one million) options at the closing market price on
June 30, 2000 and vesting immediately on June 30, 2002.

      (E) Bonus. Employee shall receive a quarterly bonus of 3% (three percent)
times the market cap divided by 4 (four) of the company measured at the end of
each three month period and paid in restricted shares at a 20% discount to the
bid price averaged over the previous 15 (fifteen) days.

4. Term and Termination.

      (A) Death. This Agreement shall terminate of its own terms upon the death
of Employee with the exception of the option rights which shall be passed on to
his estate.

                                  Page 2 of 9

<PAGE>    Exhibit - 10.21

      (B) Disability. This Agreement shall terminate of its own terms in the
event of the permanent disability of Employee as defined under Employer's
applicable insurance policy or, in the absence of such policy, any physical or
mental incapacity that renders Employee incapable of performing all duties
required of him for three consecutive months or more, or for an aggregate period
of three months or more in any twelve month period, as determined by Employer's
President.

      (C) Termination for Cause. Employer may terminate this Agreement for Cause
without notice if Employee, in the reasonable determination of Employer's
President: Has been indicted for, charged with, or convicted of any felony or
any crime of moral turpitude; has become notorious for personal dishonesty,
willful misconduct, or breach of fiduciary duty involving personal profit; has
engaged or intends to engage in conduct (by act or omission) which brings
Employer or any of its customers, suppliers, or contractors into public disgrace
or disrepute; has engaged in any conduct (by act or omission) involving
dishonesty or fraud with respect to Employer or any of its customers, suppliers,
or contractors; has intentionally failed or intends to fail to perform any of
his duties to Employer (including but not limited to persistent unsatisfactory
performance of material duties); is or intends to be in willful violation of any
law, rule, or regulation of any governmental agency having jurisdiction over
Employee, other than traffic violations or similar offenses; has been
unaccountably absent for 15 calendar days; has caused or is causing or intends
to cause Employer to violate any order issued against Employer by a court or
government agency having authority and jurisdiction to issue such order; or is
in breach or default of or intends to breach or default with respect to any
obligation under this Agreement.

      (D) Return of Property. Upon termination of Employee's employment under
this Agreement, Employee shall deliver to Employer all property of Employer,
including memoranda, notes, plans, records, reports, and other documents
(including copies thereof), on any medium of recording containing information
confidential or otherwise proprietary to Employer.

      (E) Survival of Provisions. Except for the rights and obligations in
Sections 1 and 2 and Subsections (A) and (B) of Section 3, the rights,
obligations, covenants, acknowledgments, and representations in this Agreement
shall survive its termination and shall remain in full force and effect until
each is fully satisfied.

5. Representations and Warranties. Employee represents, acknowledges, and
warrants that:

      (A) He/she has full right, authority, and competence to enter into this
Agreement and fully perform his obligations hereunder;

      (B) He/she is not subject to any non-competition agreement that would
prevent or restrict him in any way from performing his duties for Employer
anywhere in the world;

      (C) His/her past, present, and anticipated future activities have not and
will not infringe on the proprietary rights of others;

                                  Page 3 of 9

<PAGE>    Exhibit - 10.21

      (D) He/she is not obligated under any contract (including licenses,
covenants, guaranties, or moral or legal commitments of any nature) or other
agreement, or subject to any judgment, decree, or order of any tribunal which
would be in conflict with his obligation to use his best efforts to promote the
interests of Employer or which would be in conflict with Employer's business as
conducted or as proposed to be conducted;

      (E) Neither the execution nor the delivery of this Agreement, nor the
carrying on of Employer's business will be in conflict with or result in a
breach of the terms, conditions, or provisions of or constitute a default under
any contract, covenant, or instrument under which Employee is obligated.

      (F) Employer and its continued success depend upon the use and protection
of a large body of confidential and other proprietary information. Under this
Agreement Employee will hold a position of trust and confidence by virtue of
which Employee will necessarily possess and have access to highly valuable,
confidential, and proprietary information of Employer not known to the public in
general. It would be improper for Employee to make use of this information for
the benefit of himself/herself and others. Employer has a protectable interest
in all such information, and all memoranda, notes, plans, records, reports, and
other documents (including copies thereof), on any medium of recording
containing such information are and will remain the property of Employer.

      (G) Employee's services will be of special, unique, and extraordinary
value to Employer.

      6. Special Covenants. A. Nondisclosure and Nonuse. Employee agrees that,
except as may be required to be disclosed to a third party in the discharge of
Employee's duties under this or other Agreements with Employer, he/she shall
regard and preserve as confidential all information pertaining to the business
of Employer, its customers, and others that has been obtained by him/her during
the course of his/her employment. During any period of employment by or other
affiliation with Employer, Employee shall not, directly or indirectly, use for
Employee's own benefit or for the benefit of any third party or disclose to any
others any of such information without written authority from the President of
Employer. Employee shall not directly or indirectly knowingly acquire or attempt
to acquire an interest in any business entity relating to any line of business
in which Employer engages or intends to engage and, to Employee's knowledge,
with which Employer has within the previous twelve months entertained
discussions or which has within the previous twelve months requested and
received information relating to the acquisition of such business by Employer.
The obligations set forth in the preceding sentences of this Subsection shall
not apply to any information which is or comes into the public domain through no
wrongful act or omission of Employee. This Subsection shall not be construed as
restricting Employee from disclosing any information (whether proprietary and
confidential to Employer or not) to employees of Employer or others engaged by
Employer who reasonably require access to such information in order to discharge
their duties to Employer. Notwithstanding the other provisions of this
Subsection, if Employee obtains any information subject to statutory,
regulatory, or judicial restraints on disclosure, including

                                  Page 4 of 9

<PAGE>    Exhibit - 10.21

but not limited to federal and state securities laws and regulations, or any
information which he is directed to disclose by law, regulation, government
administrative action, or judicial order, he shall observe said restraints and
directives.

      (B) Noncompetition. So long as Employee is employed by or otherwise
affiliated with Employer and for an additional 36 months thereafter, Employee
shall not directly or indirectly own, manage, control, participate in, consult
with, render services for, or in any way engage in the business of Employer,
except as provided in Subsection 2(C) above.

      (C) Nonsolicitation. So long as Employee is employed by or otherwise
affiliated with Employer and for an additional 36 months thereafter, Employee
shall not directly or indirectly (1) knowingly induce or attempt to induce any
employee of Employer to leave the employ of Employer; or (2) knowingly engage
any person who, within the previous six months, was an employee of or a
contractor providing services to Employer.

      (D) Noninterference. So long as Employee is employed by or otherwise
affiliated with Employer and for an additional 36 months thereafter, Employee
shall not directly or indirectly knowingly induce or attempt to induce any owner
of a site location, customer, supplier, licensee, or other business relation of
Employer to cease doing business with Employer or in any way interfere with the
relationship between any such owner, customer, supplier, licensee, or other
business relation and Employer.

      (E) Acknowledgments. Employee acknowledges that the provisions in this
Section are in consideration of employment by Employer and the other obligations
of Employer under this Agreement. Employee expressly agrees and acknowledges
that the restrictions in this Section do not preclude Employee from earning a
livelihood, nor do they reasonably impose limitations on Employee's ability to
earn a living. Employee agrees and acknowledges that the potential harm to
Employer of the non-enforcement of the provisions of this section outweighs any
harm to Employee of their enforcement by injunction, specific performance, or
otherwise. Employee acknowledges that Employee has carefully read this Agreement
and has given careful thought to the restraints imposed upon him/her by this
Agreement, and is in full accord as to their necessity for the reasonable and
proper protection of Employer. Employee expressly acknowledges and agrees that
each and every restraint imposed by this Agreement is reasonable with respect to
subject matter, time period, and geographical scope, and may be enforced by
equitable remedies including Temporary Restraining Orders, Preliminary
Injunctions, and Permanent Injunctions.

      (F) Employee's obligations under this Section shall also run to any
subsidiary, joint venture, or other business entity in which Employer has a
direct or indirect ownership interest with voting or other control rights, as
well as to Employer, and the term "Employer" as used in this Section shall be
deemed to include any such subsidiary, joint venture, or other business entity,
as well as Employer.

                                  Page 5 of 9

<PAGE>    Exhibit - 10.21

7. Ownership of Intellectual Property Created, Developed, or Invented by
Employee.

      (A) Definition. For the purposes of this Agreement, "Employer Intellectual
Property" includes inventions, discoveries, improvements, creations,
information, concepts, images, sounds, textures, software (including but not
limited to any source code, object code, enhancements, modifications, files,
input and output materials, and related documentation), and media (including but
not limited to tapes, disks, paper, and other storage and recording media) that
were or are or will be created, developed, or invented by Employee for Employer,
or within the scope of Employee's employment, or using Employer resources, or
during Employer work hours, or on Employer premises.

      (B) Assignment. Employee grants, transfers, assigns, and conveys to
Employer, its successors and assigns, the entire title, right interest,
ownership, and all subsidiary rights in and to all Employer Intellectual
Property, including but not limited to patent rights, the right to secure
copyright, trademark, service mark, or trade name registration therein and to
any resulting registration in Employee's name as claimant, the right to secure
renewals, reissues, and extensions of any such registration in the United States
of America or any foreign country, and the right to use any other form of legal
protection including maintaining it as a trade secret. Employee agrees that the
rights of Employer under this Section were and are effective immediately upon
the creation of Employer Intellectual Property.

      (C) Disclosure. To avoid misunderstandings, Employee will promptly
disclose in writing to Employer all inventions, discoveries, improvements,
creations, information, concepts, images, sounds, textures, software (including
but not limited to any source code, object code, enhancements, modifications,
files, input and output materials, and related documentation), and media
(including but not limited to tapes, disks, paper, and other storage and
recording media), whether or not patentable, copyrightable or protectable as
trade secrets or otherwise, that are made, conceived, first reduced to practice,
created, developed, or invented by Employee, either alone or jointly with
others, during Employee's employment by or other affiliation with Employer,
whether or not in the course of Employee's employment with Employer. Employee
will immediately inform Employer of any third party information and materials
used in or for Employer Intellectual Property.

      (D) Authority. Whether any copyright, trademark, service mark, trade
secret, or trade name in Employer Intellectual Property shall be preserved and
maintained or registered or whether Employer Intellectual Property shall be
patented in the United States of America or in any foreign country shall be at
the sole discretion of Employer.

      (E) Work Made For Hire. Employee agrees that all Employer Intellectual
Property is "work made for hire" as defined in 17 U.S.C. Section 201(b) and that
Employee has been hired or assigned to create, develop, and invent same.

      (F) All Right and Title. Employee hereby confirms that Employer owns and
shall own the entire title, right, and interest in all Employer Intellectual
Property, including the sole right to reproduce, to prepare derivative works
based on the copyright, to transfer

                                  Page 6 of 9

<PAGE>    Exhibit - 10.21

and distribute by sale, rental, lease, or lending, license, or by other transfer
of ownership, and to display, in and to Employer Intellectual Property, whether
or not Employer Intellectual Property constitutes a "work made for hire" as
defined in 17 U.S.C. Section 201(b). Employee agrees that no rights in Employer
Intellectual Property are or shall be retained by Employee.

      (G) Cooperation. Promptly upon Employer's request, Employee agrees to take
all actions and cooperate as necessary to protect the copyrightability,
patentability, and any other protective measure of and for Employer Intellectual
Property and further agrees to execute any documents that might be necessary to
perfect Employer's ownership of rights in any Employer Intellectual Property,
including but not limited to registration of copyrights, trademarks, service
marks, and trade names and applications for and ownership of patents. Employer
shall reimburse Employee for reasonable costs incurred by Employee in
cooperating under this Subsection after the termination of Employee's employment
under this Agreement.

8. Other.

      (A) Nature; Assignment. This Agreement is intended to bind, benefit and be
enforceable by Employee and Employer. Employee shall not assign any rights or
delegate any duties under this Agreement without the written consent of the
President of Employer. Employer may assign its rights and delegate its
obligations hereunder to any subsidiary, joint venture, or other business entity
in which Employer has a direct or indirect ownership interest with voting or
other control rights, provided that said assignee or delegatee shall execute and
deliver such documentation necessary to be bound by the terms of this Agreement.
Employer may be released from its obligations under this Agreement upon such an
assignment or delegation.

      (B) Merger. This instrument contains the entire agreement of the Parties
relating to the employment relationship between them and supersedes and cancels
all prior written and oral agreements and understandings between the Parties
relating to same which are not set forth herein and other agreements and
documents executed concurrently with this Agreement and to effect the intent of
the Parties as expressed therein.

      (C) Changes. No amendment or modification of this Agreement shall be valid
unless made in writing and signed by the Parties.

      (D) Waiver. No term or condition of this Agreement shall be deemed to have
been waived except by written agreement of the Party charged with such waiver.

      (E) Choice of Law. This Agreement will be construed in accordance with the
laws of the Commonwealth of Virginia, excluding the choice of law provisions
thereof.

      (F) Headings. The headings of the Sections and Subsections in this
Agreement are inserted for convenience only and are not part of this Agreement.

                                  Page 7 of 9

<PAGE>    Exhibit - 10.21

      (E) Counterparts. This Agreement may be executed in separate counterparts,
all of which together constituting one and the same Agreement.

      (F) Severability. In the event any one or more of the provisions of this
Agreement shall for any reason be held invalid, illegal, or unenforceable in any
particular circumstance by any tribunal of competent jurisdiction, each such
provision shall be valid in other circumstances and for the particular
circumstance the remaining provisions of this Agreement shall be read and
construed as though the said invalid, illegal or unenforceable provision had
never been a part hereof. However, if any one or more of the provisions in this
Agreement shall be held to be excessively broad as to duration, geographical
scope, activity, or subject, it shall be construed by limiting and reducing it
so as to be enforceable to the extent compatible with applicable law as it shall
then appear.

      (G) Third Party Beneficiaries. Each Party intends that this Agreement
shall not confer any rights or remedies upon any third party except as otherwise
expressly provided herein.

      (H) Time. Time is of the essence in the performance of all obligations of
Employee under this Agreement. If any time period for giving notice or taking
action under this Agreement expires on a day which is a Saturday, a Sunday, or a
holiday in the Commonwealth of Virginia, said time period shall be automatically
extended to the next business day.

      (I) Notices. All notices to be sent to either Party by the other Party
hereto pursuant to this Agreement shall be sent by registered or certified mail,
return receipt requested, to the following respective addresses or such other
address as the respective addressee may designate by notice to the other
addressees, and shall be deemed delivered as indicated on the return receipt:

            If to Employer:

                  Thomas M. Richfield, President
                  INFOCALL Communications Corp
                  8000 Towers Crescent Drive, Suite 640
                  Vienna, Virginia 22182

            If to Employee, addressed to him/her at:

                  510 Tobacco Quay
                  Alexandria, VA 22314

                                  Page 8 of 9

<PAGE>    Exhibit - 10.21

9. Enforcement. Any dispute or controversy arising under or in connection with
this Agreement shall be settled exclusively by binding arbitration in Fairfax
County, Virginia, in accordance with the commercial arbitration rules of the
American Arbitration Association then in effect. Judgment may be entered on the
arbitrator's award in any court having jurisdiction. Notwithstanding the
foregoing, Employer specifically reserves the right to seek equitable remedies,
together with other remedies pendant to same, in the Circuit Court of Fairfax
County, Virginia, and the Alexandria Division of the United States District
Court for the Eastern District of Virginia. The Parties consent to the
jurisdiction of and agree that venue shall be proper in the Circuit Court of
Fairfax County, Virginia, and the Alexandria Division of the United States
District Court for the Eastern District of Virginia. The prevailing Party in any
arbitration or other action to enforce this Agreement, as determined by the
tribunal, shall be entitled to recover reasonable attorneys' fees and costs
incurred in connection with said arbitration or other action. The Parties agree
and acknowledge that money damages may not be an adequate remedy for any breach
of this Agreement and any tribunal may order specific performance or injunctive
relief in order to enforce or prevent any violations hereof.

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

INFOCALL Communications Corp., a Florida corporation:

By: /s/ Thomas M. Richfield                   /s/ David Webster II
   ------------------------------------       ----------------------------------
Name: Thomas M. Richfield                     Witness
Its: Board Chairman, President &CEO

By:  /s/ Gus Mechalas                         /s/ David Webster II
   ------------------------------------       ----------------------------------
Name: Gus Mechalas                            Witness
Its: Board Member and Executive V.P.

Employee:

/s/ Thomas M. Richfield                       /s/ David Webster II
---------------------------------------       ----------------------------------
Thomas M. Richfield                           Witness

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