Document:

Exhibit 10.3
                                                                    ------------

                      MANAGEMENT SOLUTIONS & SYSTEMS, INC.
                            GSA SCHEDULE GS-35F-5347H
                           TASK ORDER NO. C-()PC-22140

Award to:
Management Solutions & Systems, Inc.           Effective Dates JUL 1  2002
8540 Ashwood Drive                             OCPO HPS No. R-2002-PAT-00010
Capital Heights, Maryland 20743                Admin. Elisa Scott (202) 708-1772
Attn; Larry L. Brooks                          Ext. 7128

TIN; 52~2037526
Ship To:

                   Department of Housing and Urban Development
                   Office of Public and Indian Housing
                   Attn:   Diana Stephens (GTR)
                           Peter Reed (GTM)
                   451 7th Street, SW
                   Washington, DC 20410

Description  of  Supplies/Services:  PIH PIC Support  and Call Center  Period of
Performance: One Year with four-one year option periods.

Task Order Obligated Amount: $1,125,851.48 (Base Year)
Accounting and Appropriation Data is provided herein (See page 2).

Special Instructions: The general provisions outlined in the GSA Schedule are in
full effect for this task order.

Mail Invoices to: DRUD
                  CFO National Accounting Center
                  P.O. Box 90103
                  Fort Worth Texas 7610

Management Solutions & Systems, Inc.                    US Department of Housing
                                                        And Urban Development

/s/ Larry L. Brooks                                     /s/ Amelia McCormick
Larry L.  Brooks                                        Amelia McCormick
Executive Vice President                                Contracting Officer

<PAGE>
<TABLE>
<CAPTION>

                                                                          Page 2

                                                                     C-OPC-22140
                                             MANAGEMENT SOLUTIONS & SYSTEMS, INC
                                                         VENDOR TIN #: 522037526

ACCOUNTING AND APPROPRIATION DATA

Line    Obligation No.    Fund Code            Program              Reporting Cat.      Obligated Amt.
No. Reservation No.       Budget Org. Code     Budget Obj. Code     Job Number
<C>    <C>                <C>                  <C>                  <C>                 <C>

001    2QC22140000        0304                 CAM
001    2002PAT0010        P                                                               $1,125,851
       2002               PC

TOTAL OBLIGATION:                                                                         $1,125,851
</TABLE>

<PAGE>

Management Solutions & Systems, Inc.
GSA. Schedule OS-35F-5347H
Task Order No. C-OPC-22140

BLOCK 17 CONTINUED

Section B - Supplies/Services

Base Period: One Year (July 1, 2002 through June30, 2003)

CLIN      SUPPLIES/SERVICES                 OUANTITY      UNIT RATE AMOUNT
--------------------------------------------------------------------------------
0001      The Contractor shall provide         1     Lot $643,449.22 $643,449.22
          the PUT PIC Support Services
          as described in the Statement
          Work specified herein.

0002      The Contractor shall provide         1     Lot $482,402.26 $482,402.26
          the PIH PIC Call Center Support
          Services as described in the
          Statement Work specified herein

Total Firm Fixed Price                                             $1,125,851.48

Option I: Twelve Months (July 1, 2003 - June 30, 2004)

0003      The Contractor shall provide         1     Lot $648,015.44 $648,015.44
          the PIH PIC Support Services
          as described in the Statement
          Work specified herein.

0004      The Contractor shall provide         1     Lot $422,071.24 $422,071.24
          the PIH PIC Call Center Support
          Services as described in the
          Statement Work specified herein.

Total Firm Fixed Price Amount                                      $1,070,086.68

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-OPC-22140

Option II: Twelve Mouths (July 1, 2004 - June 30,2005)

0005      The Contractor shall provide         1     Lot $645,670.08 $645,670.08
          the PIH PIC Support Services
          as described in the Statement
          Work specified herein.

0006      The Contractor shall provide         1    Lot $445,590.43  $445,590.43
          the PIH PIC Call Center Support
          Services as described in the
          Statement Work specified herein.

Total Firm Fixed Price Amount                                      $1,091,260.51

Option III: Twelve Months (July 1, 2005 June 30, 2006)

0007      The Contactor shall provide          1     Lot $621,733.68 $621,733.68
          the PIH PIC Support Services
          as described in the Statement
          Work specified herein.

0008      The Contractor shall provide         1     Lot $438,889.82 $438,889.82
          the PIH PIC Call Center Support
          Services as described in the
          Statement Work specified herein.

Total Firm Fixed Price Amount                                      $1,060,632.82

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-OPC-22 140

Option IV: Twelve Mouths (July 1, 2006 - June 30, 2007)

0009      The Contractor shall provide         1     Lot $637,902.24 $637,902.24
          the  PIH PIC Support Services
          as described in the Statement
          Work specified herein.

0010      The Contractor shall provide         1     Lot $438,880.51 $438,880.51
          the PIH PIC Call Center Support
          Services as described in the
          Statement Work specified herein.

Total Firm Fixed Price Amount                                      $1,076,782.75

Total Contract Value                                               $5,424,614.24

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-OPC-22140

A. HUDAR Clause 2452.211-70 CONTRACT PERIOD (APR 1984)
------------------------------------------------------

     The Contractor shall complete all work hereunder  including delivery of the
     final report, within 12 Months from the effective date of the contract.

B. PAYMENT SCHEDULE AND INVOICE  SUBMISSION (FIXED PRICE) HUDAR 2452.232-70 (OCT
--------------------------------------------------------------------------------
1999)
-----

     (a)General. The Government shall pay the Contractor as fan compensation for
     a)! work required, performed and accepted under this contract, inclusive of
     all costs and expenses, the firm fixed-price stated in Part I, Section B of
     this contract.

     (b)Payment  Schedule.  Payment  of the  contract  price  will be made  upon
     completion and acceptance of all work unless a partial payment  schedule is
     included below:

     A monthly price of twelve equal  increments of the  $93,829.95 for the base
     year and  twelve  equal  increments  of$89,183.89  (Option  I);  $90,938.37
     (Option II);  $88,386.06 (Option TII);  $89,831.89 (Option TV) respectively
     for the option period (if exercised) for services rendered and accepted.

     (c)  Submission  of  Invoices.  Invoices  shall  be  submitted  as  follows
-original to the payment  office  identified on the award  document and one copy
each to the Government  Technical  Representative  and Contracting  Officer.  To
constitute a proper  voice,  the invoice must include all items  required by FAR
clause 52.232-25, "Prompt Payment".
     To assist the Government in making timely payments,  the Contractor is also
requested  to include on each  invoice  the  appropriation  number  shown on the
contract award document. The Contractor is also requested to clearly indicate on
the mailing envelope that an invoice is enclosed.
     (d) Contractor  Remittance  Information.  The contractor  shall provide the
payment office with all information  required by FAR clause 52.232-33 "Mandatory
Information  for  Electronic  Funds  Transfer  Payment  "  52.232-34,  "Optional
Information  for  Electronic  Funds  Transfer  Payment,"  or other  supplemental
information (contracts for commercial services) as applicable.

<PAGE>

Management Solutions & Systems; Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-OPC-22140

C. HUDAR CLAUSE 2452.237-70 KEY PERSONNEL (APR 1984)
----------------------------------------------------

     The personnel  specified  below are  considered to be essential to the work
being  performed  under this  contract.  Prior to diverting any of the specified
individuals  to other  projects,  the  Contractor  shall notify the  Contracting
Officer reasonably in advance and shall submit justification (including proposed
substitutions)  in sufficient  detail to permit  evaluation of the impact on the
program.  No  diversion  shall be made by the  Contractor  without  the  written
consent of the Contracting Officer:  Provided,  that the Contracting Officer may
ratify in writing such  diversion and such  ratification  shall  constitute  the
consent of the Contracting  Officer required by this clause. The Schedule may be
amended  from time to time  during the course of the  contract  to either add or
delete personnel, as appropriate.

The following individuals are designated as Key Personnel under this task order:

Niambi Jarvis

Sharon D. Pruitt

D. HUDAR CLAUSE 2452.237-11 REPRODUCTION OE REPORTS (APR 1984)
--------------------------------------------------------------

     In  accordance  with  Title  I  of  the  Government  Printing  and  Binding
Regulations,  printing of reports,  data or other written material,  if required
herein, is authorized  provided that the material produced does not exceed 5,000
production units or any page and that items consisting of multiple pages doe not
exceed 25,000 production units in aggregate.  The aggregate number of production
units is determined by multiplying  pages time copies.  A production unit is one
sheet,  size  81/2 by 11  inches  pr less,  printed  on one side only and in one
color. All copy  preparation to produce camera ready copy for reproduction  must
be set by  methods  other  than hot metal  typesetting.  The  reports  should be
produced by methods employing  stencils,  maters and plates which are to be used
on single  unit  duplicating  equipment  no larger  than 11 by 17 inches  with a
maximum  image of 10 3/4 by 14 1/4 inches and are prepared by methods or devices
that do not utilize reusable contact negatives and/or positives  prepared with a
camera  requiring  a  darkroom.   All  reproducible   (camera  ready  copes  for
reproduction  by  photo  offset  methods)  shall  become  the  property  of  the
Government  and shall be delivered to the Government  with the report,  data, or
other written materials.

E. HUDAR CLAUSE 2452.237-72 COORDINATION OF DATA COLLECTION ACTIVITES (APR 1984)
--------------------------------------------------------------------------------

If it is established at award or subsequently becomes a contractual  requirement
to  collect  identical  information  from ten or more  public  respondents,  the
Paperwork  Reduction  Act (44 U.S.C.  3501-3520)  applies.  In that  event,  the
Connector  shall not take any  action  to  solicit  information  from any of the
public respondents until notified in writing by the Contracting Officer that the
Required Office of Management and Budget (OMEL) final clearance was received.

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347H
Task Order No. (>OPC-22140

F. HUDAR Clause 2452.237-73 CONDUCT OF WORK AND TECHNICAL GUIDANCE (OCT 1999)
-----------------------------------------------------------------------------

     (a) The  Government  Technical  Representative  (GTR) for liaison  with the
Contractor  as to the  conduct  of work is Ms.  Diana  Stephens  or a  successor
designated by the Contracting  Officer,  The Contracting  Office will notify the
contractor  in  writing  of  any  change  to the  current  GTR's  status  or the
designation of a successor GTR.

     (b)  The GTR will  provide  guidance  to the  contractor  on the  technical
          performance  of the contract.  Such guidance  shall not be of a nature
          which:
               (1)Causes the Contractor to perform work outside the scope of the
               contract;
               (2)Constitutes a change as defined in FAR 52.243-1;
               (3)Causes an increase or decrease I the cost of the contract;
               (4)Alters the period of performance or delivery dates; or
               (5)Changes  any  of  the  express  terms  or  conditions  of  the
               contract.

     (c) The GTR will issue technical  guidance in writing or, if issued orally~
he/she will confirm such  direction in writing  within five  calendar days after
oral  issuance.  The GIR may issue such  guidance  via  telephone  facsimile  or
electronic mail.

G. CLEARANCE OF PERSONNEL HUDAR 2452.237-75 (OCT 1999)
------------------------------------------------------

(a) General.  This contract requires  contractor  employees to work in, and have
access to, a HUD  facility.  All such  employees  shall be  required  to provide
background  information  and obtain a HUD building  pass prior to working in the
HUD facility.

(b)Background  information.  (1) For each  contractor  employee  subject  to the
requirements  of this clause,  the contractor  shall complete and deliver to the
Government  Technical  Representative  (GTR) the following  forms:  Form FD-258,
'Fingerprinting Charts' (original and one copy); and GSA Form 176~ 'Statement of
Personal History'  (original and one copy). The GTR will provide tile contractor
with blank forms upon request.

(2) The contractor  shall deliver the forms required by  paragraph(b)(l)  to the
GTR within five (5) calendar  days after  contract  award or not later than five
(5) calendar days before a covered employee will begin work at the HUD facility.
(3) The information provided in accordance with paragraph (b)(l) will be used to
perform a  background  check to  determine  the  eligibility  of the  contractor
employees to work in the Hut' facility. After completion of such review, the GTR
shall  notify  the   contractor   in  writing  of  any   contractor   employees'
ineligibility  to work in the HUD facility.  The  contractor  shall  immediately
remove such employees  Thorn work on this contract which requires the employees'
physical presence in the HUD facility.

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-SSF-5347H
Task Order No. c-OPC-22140

(c)  Building  passes.  (1) HUD will  issue a building  pass to each  contractor
employee determined to be eligible pursuant to the background check in paragraph
(b). The  Contractor  shall provide the (3TR with the names and Social  Security
numbers of all such  employees.  Contractor  employees shall have their building
passes on their  persons at all times while  working on HUD  premises  and shall
present  passes for  inspection  upon  request by HUD  officials or HUD security
personnel.

(2) Building passes shall identify individuals as contractor employees and shall
have an expiration  date not exceeding the current term of the contract.  Passes
shall be renewed for each succeeding contract period, if any.

(3) The contractor shall return a contractor employee's pass to the GTR when the
employment  of any such employee is  terminated,  or when the employee no longer
has a need for access to the HUD facility. Upon expiration of this contract; the
contractor  shall  return to the GTR all building  passes  issued by HUD and not
previously returned. The contractor is responsible for accounting for all passes
issued to the contractor's employees.

(d) Control of access. HUD shall have and exercise full and complete control
over granting, denying, withholding, and terminating access of contractor
employees to HUT) facilities. The GTR will notify the contractor immediately
when HUE) has determined that an employee is unsuitable or unfit for his/her
assigned contractual duties; and therefore will no longer be permitted access to
the HUD facility. The contractor shall take immediate steps to remove such an
employee from working on this contract and provide a suitable replacement.

(e)   Subcontracts.   The  contractor  shall  incorporate  this  clause  in  all
subcontracts  where the requirements  specified in paragraph (a) of this section
are applicable to performance of the subcontract.

H. HUDAR  CLAUSE  2452.237-77  OBSERVANCE  OF LEGAL  HOLIDAY AND  ADMINISTRATIVE
--------------------------------------------------------------------------------
LEAVE (OCT 1999)
----------------

(a)(1) The  Department of Rousing and Urban  Development  observes the following
days as holidays
         New Year's Day
         Martin Luther King's Birthday
         Washington's Birthday
         Memorial Day
         Independence Day
         Labor Day
         Veterans Day
         Thanksgiving Day
         Christmas Day

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-QPC-22140

Any other  day  designated  by  Federal  law,  Executive  Order or  Presidential
Proclamation.

     (2) When any holiday specified in (a)(1) falls on a Saturday, the preceding
Friday  shall be  observed.  When any  stick  holiday  falls  on a  Sunday,  the
following  Monday  shall be  observed.  Observances  of such days by  Government
personnel shall not be cause for additional period of performance or entitlement
to  compensation  except  as set  forth  in the  contract.  If the  contractor's
personnel  work on a holiday,  no form of holiday or other premium  compensation
will l}e  reimbursed  either as a direct or  indirect  cost,  unless  authorized
pursuant to an overtime clause elsewhere in this contract.

     (b)(1) HUD may close a HUD  facility for all or a portion of a business day
          as a result of

          (a)Granting administrative leave to non-essential HUD employees (e.g.,
               unanticipated holiday);
          (b)Inclement weather;
          (c)Failure of Congress to appropriate operational funds;
          (d)or any other reason.
     (2)  Insuch cases,  contractor  personnel not classified as essential,  i.e
          not performing critical round-the-clock services or tasks, who are not
          already on duty at the facility shall not report to the facility. Such
          contractor  personnel  already  shall be dismissed and shall leave the
          facility.
     (3)  The contractor agrees to continue to provide  sufficient  personnel to
          perform  round-the-clock  requirements  of critical  tasks  already in
          operation or scheduled for performance during the period in which Hut)
          employees  are  dismissed,   and  shall  be  guided  by  any  specific
          instructions  of the  Contracting  Officer or his/her duly  authorized
          representative.
     (c) When contractor  personnel services are not required or provided due to
     closure of a HUD facility as described in this clause, the contractor shall
     be compensated as follows-
     (1)  For fixed-price  contracts,  deductions in the contractor's price will
          be computed as follows
          (A)  The  deduction  rate in  dollar  per day will be equal to the per
               month contract price divided by 21 days per month.
          (8)  The  deduction  rate in dollars per day will be multiplied by the
               number of days services are not required or provided.
          If services are provided for portions of days,  appropriate adjustment
          will be made by The  Contracting  Officer to ensure that he contractor
          is compensated for services provided.

     (d) If administrative leave is granted. to contractor personnel as a result
of conditions stipulated in any "Excusable Delays" clause of this contract, will
be  without  loss to the  contractor.  The  cost of  salaries  and  wages to the
contractor  for the period of any such excused  absence shall be a  reimbursable
item of direct cost  hereunder  for  employees  whose  regular  time is normally
charged,  and a reimbursable  item of indirect cost for employees  whose time is
normally  charged  indirectly in  accordance  with the  contractor's  accounting
policy.

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-OPC-22140

I. HUDAR CLAUSE 2452.246-70 INSPECTION AND ACCEPTANCE (APR 1984)
----------------------------------------------------------------

     Inspection and acceptance of all work required under this contract shall be
performed by the Governrnent Technical  Representative (UTR), Ms. Diane Stephens
or other individuals as designated by the Contracting Officer or GTR.

J. PERIOD OF PERFORMANCE
------------------------

The period of performance is 12 months with four-one year option periods.

K. DELIVERY OF PRODUCTS
-----------------------

All products  delivered  specifically  for this task order shall be delivered to
both  the GTR and  GTM.  The  contractor  will  provide  both  hard  copies  and
soil/electronic   copies  of  all  deliverables.   All  deliverables   shall  be
accompanied with a Task Order Product Acceptance Form provided by the GTR.
          Deliverables                                Due Date
          Project Work Plan                           5 days after date of award
          Quality Control Plan                        Post Award Conference
          Progress Reports                            Weekly
          Transition Plan                             Post Award Conference

L. 52217-9 Option to Extend the Term of the Contract (MAR 2000)
---------------------------------------------------------------

     (a)  The  Government may extend the term of this order by written notice to
          the Contractor  within thirty (30) days;  provided that the Government
          gives the  Contractor a  preliminary  written  notice of its intent to
          extend  at least  thirty  (30) days  before  the  order  expires.  The
          preliminary notice does not commit the Government to an extension.
     (b)  If the Government  exercises this option,  the extended order shall be
          considered to include this option clause.
     (c)  The total  duration  of this  contract,  including  the  excise of any
          options  under  this  clause  shall  not  exceed  60  months  from the
          effective date of the contract.

M. Quality Control
------------------

The  Contractor  shall operate a quality  control  program~  which will identify
performance problems and potential problems and seek to eliminate these problems
prior to their having a serious negative impact on Public and Indian Housing.

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-OPC-22140

Quality Control Plan

The  Contractor  shall  establish and maintain a complete  Quality  Control Plan
(QCP) to ensure the requirements of the contract are provided as specified.  One
copy of the Contractor's final QCP shall be provided to the Contracting  Officer
and one copy to the GTR not later than the post award conference. The Contractor
shall  provide  a  complete  copy to the  Contracting  Officer  and a GTR as any
updates/changes    occur   The   Contractor   shall   retain   copies   of   all
documents/records generated in the quality control process for at least one year
after  expiration  of the  contract and shall  present  them to the  Contracting
Officer upon request.

 At a minimum, the plan shall:

     o    Provide  the  Contractors   organizational  structure  and  functional
          statements showing the relationship with work items in. contract;
     o    Detail a quality control  inspection  program covering all general and
          specific  tasks included in SOW. It shall specify tasks or areas to be
          inspected on either a scheduled or unscheduled basis and the manner in
          which inspections are to be conducted;
     o    Detail method/s of identifying deficiencies before performance becomes
          unacceptable in accordance with this Performance Work Statement;
     o    Derail how Contractor personnel will be well trained;
     o    Detail  how   caller/inquirer   satisfaction   will  be  tracked   and
          maintained;
     o    Review  services to be examined  for  quality;
     o    Specify forms to be used;
     o    Identify the  government-furnished  systems and facilities required to
          execute the plan.

Quality Control File
The Contractor  shall  maintain a quality  control file of all  inspections,  to
include corrective actions taken. The file shall be subject to Government Review
at the  Government's  discretion  by the GTR, GTM or other  Government  official
appointed by the Contracting Officer,

The  Contractor  shall  provide  status  reports  as  required  by the GTM.  The
frequency  and due date of status  reports will be  determined by the GTM at the
beginning of the period of performance  for this contract.  Reporting  frequency
may be adjusted by the GTM based upon  his/her  confidence  in the  Contractor's
performance level of accomplishing  the tasks specified  herein.  The Contractor
shall  provide  status  reports  via the  method  (e.g.,  electronic  or  paper)
requested by the GTM.

Quality Assurance

According to the Inspection of Services clause, the government will evaluate the
Contractor's  performance  under this  contract by reviewing  weekly and monthly
workload  statistics  by  inspecting  call  records and  tracking  logs,  and by
monitoring calls and written or electronic  communications,  using HUD staff and
feedback from the PIC Coaches, PIH headquarters, field offices employees and the
Public Housing Authorities.

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule
GS-35F-5347H
Task Order No. C-O?c-22140

Defective Performance
When  quality  assurance  reviews by HUD  indicate  defective  performance,  the
Government Technical Representative (GTR) will request the Contractor respond to
the substandard  performance in writing within five business days of receipt. If
The Contractor  agrees with the  observation,  the Contractor  shall rectify the
substandard  performance  and the GTR will determine if a re-review is required.
If the  observation  is disputed,  the  Contractor  shall attempt to resolve the
issue with the GTR If a  resolution  cannot be  attained,  the  dispute  will be
elevated for a decision by the Contracting Officer (CO).

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347U
Task Order No. C-OPC-22140

                  PIR Information Systems - PIC Program Support
                                Statement of Work

PIC Program Support (General)

Background:  PIC Coaches are PIH field  office  employees  who serve as liaisons
between PUT headquarters, field office employees and Public Housing Authorities.
The coaches  play an integral  role in the success of PIC because  they serve as
the communication link between the field and headquarters and PHAs.

Objective:  The purpose of this procurement is to obtain Contractor  services to
support:  PIC  Coaches and users in the  following  areas:  Functional  support,
Facilitating meetings & conference calls, Developing  communications,  Training,
Program analysis,  Legislative compliance (option) and Presentation support. The
contractor  may be  required  to  travel as needed  to  facilitate  meeting  and
training  related  activities.  These trips may not exceed more than twelve (12)
per year for two staff members.

Statement of Work:

Task 1 - The Contractor shall provide Functional Support, including responses to
user questions:

     Contractors  play a key role in  providing  functional  support  for PIC by
     coordinating  the response to problems  encountered in tbe PIC system.  The
     contractor is to be prepared to receive inquiries by c-mail,  telephone and
     through the mail.  Inquiries will come from PIC Coaches, PHA staff users of
     the PIC  system  as well as Field  Office  users of the PIC  system.  These
     questions   range  from  general   computer  usage  questions  to  detailed
     sub-module functionality questions. The responses to the detailed questions
     require  a  solid   understanding   of  the   technical   workings  of  the
     sub-module(s)  and the  business  logic  that  serves as the driver for the
     sub-module(s). HUE) anticipates that the volume of inquiries will generally
     be between 70 to 100 per  business  day.  When HUD  releases a  significant
     upgrade to the PIC system,  the inquiry  volume can be expected to increase
     by up to 20% for a month.  The  contractor  is to scale up its resources to
     meet the  increased  demand  when  given  advance  notice of a  significant
     upgrade to the PIC system.  HUT) will give the contractor 2 weeks notice of
     such upgrades.  The contractor is to scale down at ~ end of the month after
     the release of the significant upgrade. The contractor is to inform the GTM
     when inquiry  volume  significantly  deviates  either  higher or lower than
     projected  for more than a week's  time.  The  contractor  is to be able to
     adjust its resources to match a persistent  increase or decrease in inquiry
     volume on 2 weeks  notice  from the GTM.  The  contractor  is  required  to
     maintain a log that contains the name of the inquirer; date and time of the
     inquiry,  a  description  of the  question/problem,  the current  status of
     responding  to the inquiry,  as well as the  resolution  and ~e date closed
     (when applicable).

     In handling inquiries the contractor is to use the following procedure:

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-534711
Task Order No. c-OPC-22140

          The contractor is to acknowledge receipt of any inquiry within 4 hours
          of its  submission  by e-mail or phone during normal  business  hours.
          normal  business hours are 9:00 am to 8:00 pm (Eastern  Standard Time)
          Monday through Friday excluding weekends and Federal holidays.)
          o The  contractor is to  acknowledge  receipt of any inquiry  received
          after 4:00P.M.  (Eastern Standard Time) on Friday by 4:00pm. Monday of
          its submission bye-mail or phone during normal business hours.
          o When  acknowledging  receipt of an inquiry7 the contractor is either
          to respond to the  inquiry or to  indicate  that the  inquiry has been
          received and is being investigated at that time.
          o The contractor is to be prepared to handle straightforward inquiries
          that can be resolved by explaining to users how to operate the system.
          In this situation the contractor is to contact the user within 4 hours
          of submission and provide the user with the needed  instruction.  If a
          call is received after 4:00 PM, the contractor will respond by noon of
          the following business day.
          o If the issue  cannot  be  resolved  through  user  instruction,  the
          contractor is to categorize the inquiry into either a technical  issue
          or a  programmatic  issue and is to forward  the  inquiry to points of
          contact for each category of inquiry. the GTM will designate points of
          contact for such inquiries.
          o The contractor is to check on the status of forwarded inquiries on a
          daily  basis  and is to advise  the  inquirer  of the  status of their
          inquiry at least once every other day.

     The contractor is to analyze  trends in inquiries and identify  significant
     trends  to the OTM on at  least  a  weekly  basis.  When  appropriate,  the
     contractor is to develop  user-friendly  guidance  material that  addresses
     trends and potentially reduces inquiry volume.

     The staffs assigned to handle inquiries are to be  knowledgeable  about the
     operation of the PIC system as well as generally familiar with the programs
     supported by the PIC system.  The staff that interact with system users are
     to be courteous.

Deliverable:  PIC system inquiries tracked and PIC Help responses.

Performance  Measure:  inquiries  handled in accordance with the procedure above
and properly  logged.  GTM will spot check  inquiries  and will arrange for test
queries to be submitted and tracked to check if  contractor is following  proper
procedures.

Quality  Insurance:   According  to  the  Inspection  of  Services  clause,  the
government  will evaluate the  Contractor's  performance  under this contract by
reviewing weekly and monthly workload statistics, by inspecting call records and
tracking logs, and by monitoring calls and written or electronic communications,
using HUE) staff and feedback from PIH stakeholders.

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F~5347H
Task Order No C-OPC-22140

Defective Performance:  When quality assurance reviews by HUD indicate defective
performance,  the Government  Technical  Representative (GTR) claim will request
the Contractor  respond to the substandard  performance  claim in writing within
five business days of receipt.  If the Contractor  agrees with the  observation,
tbe  Contractor  shall  rectify  the  substandard  performance  and the GTR will
determine if a re-review  is  required.  If the  observation  is  disputed,  the
Contractor  shall  attempt to resolve  the issue with the GTR.  If a  resolution
cannot  be  attained,  the  dispute  will  be  elevated  for a  decision  by the
Contracting Officer (CO).

     Task 2 - The Contractor shall facilitate Meetings & Conference Calls

          The Contractor will attend  conference  calls between PIH Headquarters
          and Field Office PIC Coaches: conference calls are generally held once
          a week to discuss  policies,  procedures and on-going  issues with the
          PIC system.  During theses  Conference calls the dates of PIC releases
          are communicated and knowledge is shared among the FTC Coaches as well
          a one on one  question  and answer  period  between  PIC  Coaches  and
          contractor  personnel  The  contractor  is to be  prepared  to receive
          inquiries  during these  conference  calls as well as to report on the
          status of outstanding inquiries logged.

          The  contractor  shall handle the  logistics of and  facilitate  other
          meetings  and  conference  calls as  specified  by the GTR or GTM. HUD
          anticipates  an  average of 3  meetings  per month  that will  include
          around 15-25  participants.  The  contractor  will arrange for meeting
          space within the MUD Headquarters building as well as any audio/visual
          support  (note:  contractor  will  work  with  HUT)  staff  to  secure
          necessary  resources  for  meetings and is not  authorized  to procure
          them). This includes contacting a facilities representative in advance
          and requesting a Modem connection for dial-up  purposes,  as well as a
          screen  projector when requested.  The Contractor is also  accountable
          for  making  sure  an  updated   electronic  copy  of  a  Power  Point
          presentation  is on the  presenter's  computer  for' the  presentation
          purposes.

          The contractor is to keep minutes of all PIC Coaches  conference calls
          and meetings and submit them to the OTM within 2 days of the event.

Deliverable:  participation in PIC Coaches conference calls,  logistical support
for small meetings and minutes of conference call/meetings.

Performance measure:  contractor is able to receive inquiries and discuss status
of open  inquiries at PIC Coaches  conference  calls -  contractor  arranges for
correct logistical support for meetings.

Quality  Insurance:   According  to  the  Inspection  of  Services  clause,  the
government  will  evaluate the  Contractors  performance  under this contract by
reviewing weekly and monthly workload statistics~ by inspecting call records and
tracking logs, and by monitoring calls and written or electronic communications,
using HUD staff and feedback from PIH stakeholders.

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347U
Task Order No. C-OPC-22140

Defective Performance:  When quality assurance reviews by HUD indicate defective
performance,  the Government  Technical  Representative (GTR) claim will request
the Contractor  respond to the substandard  performance  claim in writing within
five business days of receipt.  If the Contractor  agrees with the  observation,
the  Contractor  shall  rectify  the  substandard  performance  and the GTR will
determine if a re-review  is  required.  If the  observation  is  disputed,  the
Contractor  shall  attempt  to resolve  the issue  with the GTR if a  resolution
cannot  be  attained  the  dispute  will  be  elevated  for a  decision  by  the
Contracting Officer (CO).

     Task 3 - The Contractor shall Develop Communications

     The  Contractor  is to develop a weekly  document  to be  forwarded  to PIC
     Coaches  via email that  informs  them of upcoming  releases,  requirements
     meetings,  and  special  activities  that  require  their  attention.   The
     contractor  is to confer with  appropriate  HUD staff as well as contractor
     staff to gather the necessary  information  for the weekly  cornmunication.
     The  contractor  is to prepare a draft of the  communication  by mid-day of
     Thursday of each week for release  either Friday  evening or before 9:00 am
     on Monday morning.

     The contractor is also to develop drafts of brief  documents or power point
     presentations  generally  less  than 5  narrative  pages or 10 power  point
     presentation pages in length (potentially) including some tables or graphs)
     explaining  trends in the PIC  system or  explaining  how to  address  more
     complicated PIC system inquiries. The contractor will need to query the PIC
     system as well as interview  technical  staff to develop these drafts.  HUD
     estimates a need for 1 of these  documents per month.  The GTM will request
     the draft with a specific  description of the desired document content. The
     contractor  will  have  at  least 2  business  days to  produce  the  draft
     document.  The GTM will have 1 day to request  changes  to the  draft.  The
     contractor will produce a final draft document 1 day later.

Deliverables:  weekly  updates for PIC  coaches  and draft of brief  document or
power point presentation.

Performance  Measure:  document  is produced in  accordance  with the  time-line
outlined above and responds to the content direction of the GTM

Quality  Insurance:   According  to  the  Inspection  of  Services  clause,  the
government  will evaluate the  Contractor's  performance  under this contract by
reviewing weekly and monthly workload statistics, by inspecting call records and
tracking logs, and by monitoring calls and written or electronic communications,
using HUD staff and feedback from PIH stakeholders.

<PAGE>

Management Solutions & Systerns Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-OPC-22140

Defective Performance:  When quality assurance reviews by HUD indicate defective
performance,  the Government  Technical  Representative (GTR) claim will request
the contractor  respond to the substandard  performance  claim in writing within
five business days of receipt.  If the Contractor  agrees with the  observation7
the  Contractor  shall  rectify  the  substandard  performance  and the GTR will
determine if a re-review  is  required.  If the  observation  is  disputed,  the
Contractor  shall  attempt to resolve  the issue with the GTR.  If a  resolution
cannot  be  attained,  the  dispute  will  be  elevated  for a  decision  by the
Contracting Officer (CO).

Task 4 - The Contractor shall provide Training and Technical Assistance

     The contractor will develop and deliver a formal training  prograrn for PIC
     users for each significant  upgrade to the PIC system.  PIC anticipates the
     following  significant  upgrades to the PIC system:  an  Operating  Subsidy
     module;  a Section 8  Utilization/Year  End processing  module; a Section 8
     Budget/Unit Tracking module; a Remote Diagnostic Module; a PHA Plan module;
     a Rental Housing income Integrity Improvement module;  updated Capital Fund
     module;  Indian Housing Block Grant module;  ROSS management  module; and a
     Troubled  Housing  Authority  tracking  module.  It is anticipated that the
     contractor will need to develop and deliver one formal training  program in
     October 2 in November,  and December of 2002. The training program is to be
     adapted for presentation  either by  videoconference  or through  classroom
     style training.

     Training   materials,   including   instruction   manuals  and  participant
     materials,  and schedules are developed and maintained by  contractors  who
     ensure that  communications  related to  training  are  distributed  to all
     affected  users/stakeholders,  appropriate  training is delivered to enable
     the effective use of new and modified  software systems~ and HUT) employees
     are provided  adequate  assistance  to enable them to meet new and existing
     performance targets efficiently and effectively.

     For each item the contractor is to produce, the contractor will provide the
     GTM with a draft/pre-production  copy of the item three weeks in advance of
     the respective due date. The GTM will provide  requests for revision to the
     contractor within one week of receiving the draft/pre-production  copy. The
     contractor will then produce the final  camera-ready copy incorporating the
     requested  revisions by the end of the third week (i.e.  the applicable due
     date).

Deliverables: 9 training programs for significant upgrades to PIC.

Performance   Measures:    training   programs   arc   delivered   on   time   -
draft/pre-production  copies  of  training  material  do not  require  extensive
revision final camera ready materials incorporate the GTM's revisions.

<PAGE>

Management Solutions & Systems7 Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-OPC-22140

Quality  Insurance:   According  to  the  Inspection  of  Services  clause,  the
government  will evaluate the  Contractor's  performance  under this contract by
reviewing weekly and monthly workload statistics7 by inspecting call records and
tracking logs, and by monitoring calls and written or electronic communications,
using HUD staff and feedback from PIH stakeholders.

Defective Performance: When quality assurance reviews by HUT) indicate defective
performance,  the Government  Technical  Representative (GTR) claim will request
the Contractor  respond to the substandard  performance  claim in writing within
five business days of receipt.  If the Contractor  agrees with the  observation,
the  Contractor  shall  rectify  the  substandard  performance  and the GTR will
determine if a re-review  is  required.  If the  observation  is  disputed,  the
Contractor  shall  attempt to resolve  the issue with the GTR.  If a  resolution
cannot  be  attained,  the  dispute  will  be  elevated  for a  decision  by the
Contracting Officer (CO).

Task 5 - Legislative Compliance:  The Contractor shall provide support to assess
and facilitate Legislative Compliance

The Contractor  will provide  analytical  support to assess PIC compliance  with
legislative  and  regulatory  requirements.   These  requirements  include:  0MB
Circular A-127,  JFMIP, and Section 508 compliance.  The contractor will prepare
documents that specifically identify elements in PIC chat do not comply with the
applicable requirement, describe the shortcoming, and recommend alternatives for
bringing  PIC  into   compliance.   The  contractor  will  also  facilitate  the
development of system requirements that comply with the laws-

Task 6- Call Center Support will be conducted at contractor's site.

Task 6 - The contractor must provide staff, space, and equipment to receive 50 -
75 calls per day, increasing by 30 percent immediately  following the release of
a significant upgrade to the PTC system for one month.  Telephone inquiries will
come from PIC Coaches, PHA staff users of the PIC system, and Field Office users
of the PIC  system.  The  questions  will  range  from  general  computer  usage
questions up to detailed sub module functional try questions.  The contractor is
to scale up its resources to meet the increased demand when given advance notice
of a significant upgrade to the PIC system. The contractor is to scale back down
at the end of one month after the  significant  upgrade.  The  contractor  is to
inform the GTM when  telephone  inquiry  volume  deviates  significantly  either
higher or lower than  projected for more than one week at a time. The contractor
is to be able to adjust its resources to match a persistent increase or decrease
in call volume on two weeks notice by the GTM

     o    Calls will be  answered  by the fourth ring at least SO percent of the
          time and when a cal] is not  answered  by the fourth  ring7 it will be
          redirected  to a voice mail system  which  records a message  from the
          caller and requests all of the required information.
     o    The voice mail system messages will be checked at least hourly and the
          caller  will be  responded  to  within  four  hours by  telephone,  if
          possible, or by email.

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-OPC-22140

o    Calling  hours  will be 9 am  until 5 pm  Eastern  time (11  hours)  on all
     business days.

o    Contractor will provide telephone equipment and lines.
o    Call Center staff will be  courteous  and will be fluent  English  language
     speakers.
o    When  acknowledging  receipt  of an  inquiry  the  contractor  is either to
     respond to the  inquiry or to indicate  that the inquiry has been  received
     and is being investigated at that time.
o    The contractor is to be prepared to handle  straightforward  inquiries that
     can be resolved by explaining  to users how to operate the system.  In this
     situation  the  contractor  is to  contact  the  user  within  4  hours  of
     submission and provide the user with the needed  instruction.  If a call is
     received  after  4:00  PM,  the  contractor  will  respond  by  noon of the
     following business day.
o    If the issue cannot be resolved through user instruction, the contractor is
     to categorize the inquiry into either a technical  issue or a programmatic:
     issue and is to forward the inquiry to points of contact for each  category
     of inquiry. The GTM will designate points of contact for such inquiries.
o    Telephone  inquiries  will  be  included  in  all  analysis  and  reopening
     requirements of the PIC Program Support Statement of Work.
o    The staff assigned to handle  telephone  inquiries are to be  knowledgeable
     about the  operations of the PIC System as well as generally  familiar with
     the programs supported by the PIC System.

Deliverable:  PIC System  telephone  inquiries  tracked and  responded to within
required time frames and reports delivered to the GTM when scheduled.

Performance  Measures:  Inquires handled in accordance with the procedures above
and properly logged and reported. GTM will periodically spot check inquiries and
arrange  for test  inquiries  to be phoned in and tracked to  determine  whether
contractor is following proper procedures.

Quality  Insurance:   According  to  the  Inspection  of  Services  clause,  the
government  will evaluate the  Contractor's  performance  under this contract by
reviewing  weekly and monthly work load  statistics,  by inspecting call records
and  tracking  logs,   and  by  monitoring   calls  and  written  or  electronic
communications, using HUD staff and feedback from PIH stakeholders.

Defective Performance:  When quality assurance reviews by HUD indicate defective
performance,  the Government  Technical  Representative (GTR) claim will request
the Contractor  respond to the substandard  performance  claim in writing within
five business days of receipt.  If the Contractor  agrees with the  observation,
the  Contractor  shall  rectify the  substandard  performance  and the GTR wills
determine if a re-review  is  required.  If the  observation  is  disputed,  the

<PAGE>

Management Solutions & Systems, Inc.
GSA Schedule GS-35F-5347H
Task Order No. C-OPC-22140

Contractor the Contractor  shall attempt to resolve the issue with the GTR. If a
resolution  cannot be  attained,  the dispute will be elevated for a decision by
the Contracting Officer (CO).

Performance  Meetings:  The contractor  shall be required to attend  performance
meetings  on a  monthly  basis  biweekly  during  the  first  two  months of the
contract)  with the GTR,  GTM,  Contracting  Officer  and Program  Sponsor.  The
meetings will provide an  opportunity  for the  Contractor and the Government to
provide  useful  information  to one another and to help maintain a good working
relationship.  The  Government  will  inform  the  Contractor  of new issues and
developments  that  might  impact the  Contractor's  workload,  and may  suggest
process  improvements  and  identify  potential   performance   shortfalls-  The
Contractor  will  alert the  Government  of issues and  developments  that might
impact  contract  performance,  and may  provide  caller/inquirer  feedback  and
suggestions for improving contract  performance.  These meetings will be held in
the HUD  office in  Washington,  D.C.  unless  the CO or GTR  specifies  another
location.  If performance  warrants,  the CO may determine to have meetings less
frequently. Minutes of these meetings will be taken by the Contracting Officer's
representative  and copies  will be  provided  to the  Contractor.  While  these
meetings are a formal means of communication, the Government and Contractor will
have frequent informal communication on issues impacting the contract.Exhibit 10.4
                                                                    ------------
________________________________________________________________________________
AMENDMENT OF SOLICITATION/      |1. CONTRACT ID CODE          PAGE   OF  |PAGES
MODIFICATION OF CONTRACT        |                                  |     |
                                |                                1 |  1  |    1
________________________________________________________________________________
2.AMENDMENT/        |3. EFFECTIVE DATE     |4. REQUISITION/     |5. PROJECT NO.
MODIFICATION NO.    |                      |PURCHASE REQUEST NO.|(If applicable)
       2            |                      |R-2003-PC-00006     |
________________________________________________________________________________
6.ISSUED BY    CODE|                       |7. ADMINISTERED BY     CODE |
                   |_______________________|(If other than Item 6)      |_______
Department of Housing and Urban Development|     Elisa Scott
Office of the Chief Procurement Officer    |     Contract Specialist
451 Seventh Street, SW, Room 5266          |     (202)  708-1772 ext. 7128
Washington, DC 20410-5000                  |     (202) 708-2933 Facsimile
                                           |
________________________________________________________________________________
8. NAME AND ADDRESS OF CONTRACTOR         |(x)|9A. AMENDMENT OF SOLICITATION NO.
(No., street, county, State, and ZIP Code)|   |
                                          |___|_________________________________
Management Solutions & Systems, Inc.      |   |9B. DATED  (SEE ITEM 11)
8540 Ashwood Drive                        |   |
Capitol Heights, Maryland  20743          |   |_________________________________
                                          | X |10A. MODIFICATION OF CONTRACT/
                                          |   |ORDER NO.
                                          |   | C-OPC-22140
__________________________________________|   |_________________________________
CODE             |FACILITY CODE           |   |10B. DATED  (SEE ITEM 13)
                 |                        |   |July 1, 2003
________________________________________________________________________________
            11. THIS ITEM ONLY APPLIES TO AMENDMENTS OF SOLICITATIONS
________________________________________________________________________________
The numbered solicitation is amended as          |    |is         |    |is not
set forth in Item 14. The hour and date specified|    |extended   |____|extended
for receipt of offers                             ----

Offers must  acknowledge  receipt of this  amendment  prior to the hour and date
specified in the solicitation or as amended, by one of the following methods:

(a)  By  completing  Items  8 and  15,  and  returning  ________  copies  of the
amendment;  (b) By  acknowledging  receipt of this amendment on each copy of the
offer  submitted;  or,  (c) By  separate  letter or  telegram  which  includes a
reference  to  the   solicitation  and  amendment   numbers.   FAILURE  OF  YOUR
ACKNOWLEDGEMENT TO BE RECEIVED AT THE PLACE DESIGNATED FOR THE RECEIPT OF OFFERS
PRIOR TO THE HOUR AND DATE SPECIFIED MAY RESULT IN REJECTION OF YOUR OFFER.  If,
by virtue of this  amendment  you desire to change an offer  already  submitted,
such change may be made by telegram or letter,  provided each telegram or letter
makes reference to the solicitation and this amendment, and is received prior to
the opening hour and date specified.
________________________________________________________________________________
12. ACCOUNTING AND APPROPRIATION DATA (If required)
                  836/60304 (CAM)FY 2003 Increase $1,462,775.00
________________________________________________________________________________
        13. THIS ITEM APPLIES ONLY TO MODIFICATIONS OF CONTRACTS/ORDERS,
          IT MODIFIES THE CONTRACT/ORDER NO. AS DESCRIBED IN ITEM 14.
________________________________________________________________________________
(X)| A. THIS CHANGE ORDER IS ISSUED PURSUANT TO: (Specify authority) THE CHANGES
   |     SET FORTH IN ITEM 14 ARE MADE IN THE CONTRACT ORDER NO. IN ITEM 10A.
___|____________________________________________________________________________
   | B.   THE  ABOVE  NUMBERED   CONTRACT/ORDER   IS  MODIFIED  TO  REFLECT  THE
   |      ADMINISTRATIVE   CHANGES   (such  as   changes   in   paying   office,
   |      appropriation data, etc.)
   |      AS SET FORTH IN ITEM 14, PURSUANT TO THE AUTHORITY OF FAR 43.103.(b)
___|____________________________________________________________________________
   |  C.   THIS SUPPLEMENTAL AGREEMENT IS ENTERED INTO PURSUANT TO AUTHORITY OF:
___|____________________________________________________________________________
 X |  D.   OTHER (Specify type of modification and authority)
   |                 FAR 52.217-8 "Option to Extend Services "
________________________________________________________________________________
IMPORTANT: Contractor   is  not X  is  required to sign this document and return
  1  Copies to the issuing office.
________________________________________________________________________________
14.  DESCRIPTION OF  AMENDMENT/MODIFICATION  (Organized by UCF section headings,
including solicitation/contract subject matter where feasible.) TIN: 52-2037526

The purpose of this  modification  is to extend the period of performance of the
subject contractor and increase the funding. Therefore, the following applies:

     a.   Pursuant  to FAR  52.217-8  "Option  to Extend  Services",  the Option
          Period  I  of  the  contract  is  hereby  exercised.   The  period  of
          performance  encompassed  by the  extension  shall extend from July 1,
          2003 through June 30, 2004.

     b.   Funds in the amount of  $1,141,774.68  are hereby  obligated  and made
          available  to fund the  contract  for the period July 1, 2003  through
          June 30, 2004.

          As a result of the funds obligated, the total contract value is now as
          follows:

           Previous Task Order Obligations (FY 2002)     $1,182,669.48
           Amount this Obligation (FY 2003)              $1,141,774.68
           Total Obligations (FY 2003)                   $1,141,774.68

           Total Contract Obligations                    $2,324,444.16

     All other terms and conditions remain the same.
________________________________________________________________________________
15A. NAME AND TITLE OF SIGNER    |16A.  NAME AND TITLE OF CONTRACTING OFFICER
(Type or print)                  |(Type or print)
                                 |Amelia McCormick
                                 |Contracting Officer
_________________________________|______________________________________________
15B. CONTRACTOR/OFFEROR | 15C. DATE|16B. UNITED STATES OF AMERICA |DATE
                        | SIGNED   |                              |SIGNED
_______________________ |          | BY___________________________|
(Signature of person    |          |    (Signature of Contracting |
authorized to sign)     |          |          Officer)            |
________________________|__________|______________________________|_____________

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