Document:

EXHIBIT 10.1

                            VSTORE TERMS OF AGREEMENT

This agreement ("Agreement") contains the complete terms and conditions that
apply to your participation in the VSTORE Virtual Storefront Network. As used in
this Agreement:

* "VSTORE," "we," "us," and "our" refer to Vstore, Inc.;
* "you" and "your" refer to you, the manager of the Storefront (defined below)
that is the subject of this Agreement;
* "VSTORE Virtual Storefront" and "Storefront" refer to the online, configurable
storefront hosted and maintained by VSTORE through which you will sell Products
(defined below) to customers;
* "VSTORE Virtual Storefront Network" and "Network" refer collectively to all
Storefronts and other software, including but not limited to the VSTORE web site
(located at http://www.vstore.com/), owned, hosted, and maintained by VSTORE or
its designees;
* "Your Web Sites" refer to web pages and sites, excluding the Storefront, on
which you have permission to display images, text, information, or other
materials;
* "Your Content" refers to the images, text, information, and other materials
you upload to the Storefront; and
* "Your Storefront Name" refers to the name you choose to give the Storefront,
subject to the terms and conditions set forth below.

1. Storefront.
Subject to the terms and conditions of this Agreement, VSTORE will use
commercially reasonable efforts to make available to you an online means (the
"Administration Tool") to configure and manage a Storefront that will be stored
on and operated from the server(s) of VSTORE or its designees. Through the
Administration Tool, you will be able to select one or more items or categories
of merchandise distributed by VSTORE ("Products") to make available through the
Storefront. For each Product listed on the Storefront, VSTORE will display a
short description, review, or other reference pertaining to that Product, as
well as pricing, shipping, and other information. VSTORE will be responsible for
the content, style, and placement of these references, and will provide a
special link from each such reference to the corresponding VSTORE online catalog
entry. Each link will connect directly to a single item in our online catalog
using a special link format that we provide.

2. Order Processing.
As between you and VSTORE, VSTORE and/or its designees will be responsible for
processing customer Product orders, overseeing the preparation of order forms,
processing customer payments, cancellations, and returns, tracking Product sales
through the Storefront, providing you with online reports (in a form subject to
VSTORE's discretion) summarizing such sales activity, and providing you and
Storefront customers with customer service. VSTORE reserves the right to reject
any customer order if it does not comply with VSTORE's ordering requirements
(subject to modification by VSTORE) or for any other reason.

3. Referral Fees.
VSTORE will pay you referral fees on Qualifying Product Sales to Storefront
customers. For a Product sale to be deemed a Qualifying Product Sale, the
applicable customer must follow a special link (as specified and implemented by
VSTORE) from the Storefront to the ordering means generated by VSTORE; purchase
the Product using VSTORE's automated ordering system; accept delivery of the
Product at the customer's shipping destination; and remit full payment to VSTORE
or its designees. For a referral fee to be paid to you on any Qualifying Product
Sale, the return period (typically 30 days) will have to have expired since the
date of the purchase. Your referral fees will equal a percentage of the Sale
Price of each Product whose sale is deemed a Qualifying Product Sale. ("Sale
Price" means the price at which Products are sold to customers through the
Storefront as determined solely by VSTORE, and excludes shipping and handling
costs and taxes.) Actual percentages vary by Product. VSTORE reserves the right
to change this referral fee, to propose alternate fee schedules, or to establish
different fee schedules for particular Products at any time, in accordance with
Section 17 below.

4. Fee Payment.
VSTORE will pay you accrued referral fees on a quarterly basis. Approximately 45
days following the end of each calendar quarter, VSTORE will send you a check
for any referral fees you have earned, as described above, on Qualifying Product
Sales completed during that quarter; provided, however, that if the fees payable
to you for any calendar quarter are less than ten dollars ($10.00), VSTORE may
hold those fees until either the total amount due is at least ten dollars
($10.00) or this Agreement is terminated, whichever is earlier. If this
Agreement is terminated by VSTORE in the event of your breach, VSTORE may
withhold your referral fees at least until any dispute regarding your breach of
this Agreement is resolved. It is your responsibility throughout the term to
provide Vstore with your current mailing address, and you acknowledge that
Vstore cannot be responsible for any payment if you do not provide us with such
a current address. You agree to pay all federal, state, and local sales,
personal property, and other taxes (excluding taxes on VSTORE's income) arising
as a result of this Agreement.

5. Policies and Pricing.
Because customers who purchase Products through the Storefront will be deemed
customers of VSTORE, (a) all VSTORE requirements, policies, and operating
procedures will apply to those customers, and (b) all data collected through the
Storefront, including but not limited to customer Product purchase information,
are and shall remain solely the property of VSTORE. VSTORE reserves the right to
change its policies and operating procedures concerning Product pricing or any
other matter at any time and for any reason. Product prices and availability may
vary from time to time. VSTORE will use commercially reasonable efforts to
provide

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accurate information regarding Products, but does not guarantee the price or
availability of, or the accuracy of any information regarding, any Product.

6. VSTORE Trademarks.
If you wish to use the VSTORE trade name, trademark, and/or associated logo
(collectively the "Marks") to promote your Storefront or for any other reason,
please email VSTORE customer service at customerservice@vstore.com and request
permission to do so. If VSTORE notifies you in writing that it is willing to
grant you such permission, the following trademark license shall apply: VSTORE
grants you, for the term of this Agreement, a royalty-free, nonexclusive,
nontransferable, nonsublicensable, limited, worldwide license to use the Marks
for the sole purpose of providing a hyperlink on Your Web Sites to the Vstore
Web Site, the Storefront, or the Products sold thereon. You acknowledge VSTORE's
ownership of the Marks and agree not to claim any ownership in such Marks. You
shall at no time adopt or use, without VSTORE's prior written consent, any
variation of the Marks, any mark (including without limitation Your Storefront
Name) incorporating any of the Marks, or any mark likely to be similar to or
confused with any of the Marks. Any and all goodwill arising from your use of
the Marks shall inure solely to the benefit of VSTORE, and neither during nor
after the termination of this Agreement shall you assert any claim to the VSTORE
Marks or associated goodwill. You agree to cooperate fully with VSTORE to ensure
proper and appropriate usage of the Marks, including but not limited to
adherence to VSTORE's standard usage guidelines, as may be modified from time to
time. VSTORE reserves the right to revoke your limited license in the Marks at
any time upon prior written notice, and any license granted pursuant to this
Section 6 shall terminate upon termination of this Agreement.

7. Storefront Promotion.
It is your sole responsibility, and not VSTORE's, to promote the Storefront. Any
and all promotional activities you undertake will be subject to the terms and
conditions of this Agreement, and to any other guidelines governing Storefront
promotion that may be established and modified from time to time by VSTORE
(VSTORE's current promotional guidelines are available through the
administration system). If you promote individual Products sold through the
Storefront, whether on the Storefront itself, on Your Web Sites, or in any other
manner, you will be solely responsible for any information you make available in
connection with such Product(s) (including any difference between the actual
price of the Product(s) as generally made available by VSTORE and the price at
which you promote such Product(s)) and any customer's reliance on that
information.

8. Storefront Ownership.
You acknowledge and agree that VSTORE is and shall remain the owner of the
Network, the Storefront, and any and all component parts thereof (excluding Your
Content and Your Storefront Name), including but not limited to any intellectual
property rights therein. Except as otherwise expressly set forth in this
Agreement, you agree not to copy, reverse engineer, disassemble, decompile,
modify, or translate all or any part of the VSTORE Web Site, the Network, or the
Storefront, provided that you may modify the Storefront as permitted through the
use of the Administration Tool. You agree not to create a network of virtual
storefronts that directly competes with the VSTORE Virtual Storefront Network,
as defined above.

9. Your Content and Your Storefront Name.
VSTORE acknowledges that, as between you or your licensors and VSTORE, you or
your licensors own Your Content and Your Storefront Name. Nevertheless, because
you understand that VSTORE needs certain limited rights in such materials to
make the Network available to the public, by uploading Your Content to the
Storefront using the Administration Tool you grant VSTORE the worldwide,
royalty-free, transferable, NONEXCLUSIVE right and license to use, reproduce,
distribute, transmit, display, modify, adapt, prepare derivative works of, and
perform Your Content and Your Storefront Name for the purpose of operating the
Storefront and the Network as a whole. YOU ACKNOWLEDGE AND AGREE THAT YOU ARE
SOLELY RESPONSIBLE FOR YOUR CONTENT (INCLUDING WITHOUT LIMITATION ANY
REPRESENTATIONS, WARRANTIES, PRICES, CONTACT INFORMATION, OR OTHER INFORMATION
THAT YOU UPLOAD TO THE STOREFRONT) AND ALL CONSEQUENCES OF THE USE OF YOUR
CONTENT. You represent and warrant that Your Content and Your Storefront Name do
not infringe upon or violate the intellectual property rights or other rights of
any third party, that you have all necessary rights to grant VSTORE the
aforementioned rights in Your Content and Your Storefront Name, and that Your
Content and Your Storefront Name are not defamatory, libelous, obscene, or
otherwise illegal, and you agree that the burden of determining all such factors
rests solely with you. You also agree to provide us, upon our reasonable
request, with documentation confirming that you have all necessary rights to
grant VSTORE the aforementioned rights in Your Content and Your Storefront Name.
Because such a high volume of content is uploaded to our servers every day,
VSTORE does not pre-screen or monitor Your Content, but you acknowledge and
agree that we shall have the right (but not the obligation) in our sole
discretion to refuse or remove all or part of Your Content from the Storefront,
and to block the Storefront or remove it from the Network, if in our reasonable
discretion you are in violation of the terms of this Agreement or the VSTORE
Code of Conduct (available at http://www.vstore.com/admin).

10. Specifically Prohibited Activities.
Without limiting any other provision of this Agreement:

- Because you will not be responsible for any aspect of order processing or
fulfillment, you agree not to make any statement, whether on Your Web Sites, the
Storefront, or otherwise, representing or implying that you are responsible for
order processing or fulfillment; and

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- Because you understand that federal and state laws seek to protect consumers
from misleading advertising, you agree not to make any statement, whether on
Your Web Sites, the Storefront, or otherwise, that could be interpreted as a
representation or warranty regarding any Product.

11. Acknowledgments.
By agreeing to these terms and conditions, you represent that you are at least
18 years old and are authorized to enter into this Agreement, are entering into
this Agreement on your own behalf, have independently evaluated the desirability
of entering into this Agreement, and are not relying on any representation,
guarantee, or statement other than as expressly set forth in this Agreement. You
acknowledge that nothing in this Agreement should be construed as guaranteeing
the purchase of any Product, or the generation of any referral fees from your
operation of the Storefront. You represent and warrant that the Storefront will
not be used in connection with any illegal purpose. At any time upon request by
VSTORE, you agree to sign a non- electronic version of this Agreement.

12. Nondisclosure.
You acknowledge that during the term of this Agreement you may obtain
confidential and/or proprietary information relating to VSTORE, the Network,
and/or the Storefront ("Proprietary Information"). Such Proprietary Information
shall belong solely to VSTORE. Proprietary Information shall not include
information that is or becomes publicly known through no wrongful act of your
own or of other members of the Network. You shall not disclose Proprietary
Information to third parties without the prior written consent of VSTORE, and
you agree to undertake reasonable measures to ensure that the Proprietary
Information is kept confidential. You also agree to report immediately to VSTORE
any unauthorized disclosure of Proprietary Information of which you have
knowledge. You acknowledge and agree that, due to the unique nature of the
Network, the Storefront, and any Proprietary Information, there can be no
adequate remedy at law for any breach of your obligations hereunder; that any
such breach may allow you or third parties to unfairly compete with VSTORE
resulting in irreparable harm to VSTORE; and therefore that, upon any such
breach or threat thereof, VSTORE shall be entitled to injunctions and other
appropriate equitable relief in addition to whatever remedies it may have at
law.

13. Warranty Disclaimer.
VSTORE has no control over the conditions under which you configure, operate,
manage, or otherwise use or interact with the Storefront, and does not and
cannot warrant the results obtained or not obtained by such use or interaction.
VSTORE DOES NOT WARRANT THAT YOUR USE OF OR INTERACTION WITH THE NETWORK OR THE
STOREFRONT WILL BE UNINTERRUPTED OR THAT THE OPERATION OF THE NETWORK OR THE
STOREFRONT WILL BE ERROR-FREE OR SECURE. VSTORE DISCLAIMS ALL WARRANTIES,
EXPRESS OR IMPLIED, RELATING TO THE NETWORK, THE STOREFRONT, OR ANY PRODUCT SOLD
THROUGH THE NETWORK OR THE STOREFRONT, INCLUDING, BUT NOT LIMITED TO ANY
WARRANTIES AGAINST INFRINGEMENT OF THIRD PARTY RIGHTS, MERCHANTABILITY AND
FITNESS FOR A PARTICULAR PURPOSE, AND ANY IMPLIED WARRANTIES ARISING OUT OF A
COURSE OF PERFORMANCE, DEALING, OR TRADE USAGE. YOU ACKNOWLEDGE THAT THE
NETWORK, THE STOREFRONT, AND ALL COMPONENT PARTS THEREOF ARE PROVIDED "AS IS"
AND MAY NOT BE FUNCTIONAL ON ANY MACHINE OR IN ANY ENVIRONMENT. YOU ASSUME ALL
RISK OF THE USE, QUALITY, AND PERFORMANCE OF THE NETWORK AND THE STOREFRONT. YOU
FURTHER ACKNOWLEDGE THAT VSTORE BEARS NO RESPONSIBILITY FOR (A) ANY PRODUCT, (B)
THE PURCHASE OF (OR INABILITY TO PURCHASE) ANY PRODUCT, OR (C) YOUR CONTENT (AS
DEFINED HEREIN) OR ANY THIRD PARTY'S RELIANCE THEREON. YOU AGREE THAT ANY
DISPUTE REGARDING ANY PRODUCT SHALL BE DIRECTED TO THE MANUFACTURER OR SUPPLIER
OF THE PRODUCT, AND NOT TO VSTORE.

14. Limitation of Remedies and Damages.
IN NO EVENT SHALL VSTORE, ITS SUBSIDIARIES OR AFFILIATES, OR ANY OF THEIR
RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, SUPPLIERS AND/OR AGENTS BE
RESPONSIBLE OR LIABLE FOR ANY LOST PROFITS OR FOR ANY INDIRECT, INCIDENTAL,
CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES (EVEN IF THEY HAVE
BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) UNDER ANY CONTRACT, NEGLIGENCE,
STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE
NETWORK, THE STOREFRONT, ANY PRODUCT, THE USE OF ANY PRODUCT, OR ANY OTHER
SUBJECT MATTER OF THIS AGREEMENT. VSTORE SHALL NOT BE LIABLE FOR ANY LOSS OR
DAMAGE CAUSED BY DELAY IN FURNISHING ANY PERFORMANCE UNDER THIS AGREEMENT. YOUR
SOLE REMEDY FOR DISSATISFACTION WITH THE NETWORK OR THE STOREFRONT IS TO
TERMINATE THIS AGREEMENT PURSUANT TO SECTION 18 BELOW. IN NO EVENT SHALL
VSTORE'S LIABILITY EXCEED THE TOTAL AMOUNT OF REFERRAL FEES PAID TO YOU
HEREUNDER.

15. Indemnification.
You agree to indemnify and hold VSTORE and its subsidiaries, affiliates,
suppliers, and agents harmless against any and all claims, damages, losses,
costs or other expenses (including reasonable attorneys' fees) that arise
directly or indirectly out of (a) your breach of this Agreement, (b) your use of
the Storefront or Network, (c) your use or misuse of the Marks, including but
not limited to your causing to be transmitted unsolicited bulk e- mail that
refers to VSTORE, the Storefront, or the Network, or (d) Your Content or Your
Storefront Name, including but not limited to any claim that Your Content or
Your Storefront Name infringes upon the intellectual property rights or other
rights of any third party, or is defamatory, libelous, obscene, or otherwise
illegal.

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16. Breach of Security.
If you have reason to believe that your account with VSTORE is no longer secure
(for example, in the event of a loss, theft or unauthorized disclosure or use of
your VSTORE ID or password), you must promptly change your VSTORE password using
the Administration Tool and immediately notify VSTORE of the problem by notice
given as described in Section 21 of this Agreement, to minimize the possibility
of any unauthorized changes to or use of your member information or the
Storefront.

17. Modification.
VSTORE reserves the right to modify any of the terms and/or conditions of this
Agreement, at any time and at VSTORE's sole discretion, by posting a change
notice or a new agreement on our web site. Any modification shall take effect
three (3) days following our posting of a change notice or new agreement on the
Vstore Web Site. You agree to periodically review the VSTORE Web Site for
modifications to this Agreement. IF ANY MODIFICATION IS UNACCEPTABLE TO YOU,
YOUR SOLE RECOURSE IS TO TERMINATE THIS AGREEMENT PURSUANT TO SECTION 18 BELOW.
YOUR CONTINUED OPERATION OF THE STOREFRONT FOLLOWING VSTORE'S POSTING OF A
CHANGE NOTICE OR NEW AGREEMENT AT THE VSTORE WEB SITE WILL BE DEEMED ACCEPTANCE
OF SUCH CHANGE NOTICE OR NEW AGREEMENT.

18. Termination.
This Agreement shall be effective upon the date on which VSTORE provides you
with access to the Storefront and Administration Tool. This Agreement may be
terminated as follows: (i) by you, at any time and for any reason, by providing
VSTORE with notice in accordance with Section 21 below; (ii) by VSTORE, at any
time and for any reason, by providing you with fifteen (15) days advance notice
in accordance with Section 21 below; or (iii) by VSTORE immediately upon notice
to you in the event of any breach by you of the terms of this Agreement or the
VSTORE Code of Conduct (available at http://www.vstore.com/admin), or upon your
insolvency, bankruptcy, suspension of business, assignment of assets for the
benefit of creditors, voluntary dissolution, or appointment of a trustee for all
or any substantial portion of your assets. Upon any termination of this
Agreement your access to the Administration Tool will terminate, and you will
immediately destroy or erase all copies of any Proprietary Information and, upon
VSTORE's request, promptly confirm destruction of same by signing and returning
to VSTORE an "affidavit of destruction" acceptable to VSTORE.

19. Survival of Certain Provisions.
Sections 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, and 22
hereof shall survive the termination of this Agreement for any reason.

20. General.
This Agreement expresses the entire understanding and Agreement between the
parties, and supersedes any and all prior or contemporaneous agreements,
understandings, or contracts, written or oral, entered into between you and
VSTORE with respect to the subject matter hereof. This Agreement may not be
modified except by a writing signed by an authorized representative of both
parties, or as set forth in Section 17 above. VSTORE's failure to enforce your
strict performance of any provision of this Agreement will not constitute a
waiver of VSTORE's right to subsequently enforce such provision or any other
provision of this Agreement. No waiver of any breach of this Agreement shall be
effective unless made in writing and signed by an authorized representative of
the waiving party. Neither your rights nor your obligations arising under this
Agreement are assignable or otherwise transferable by you (whether voluntarily
or by operation of law) without VSTORE's express written consent, and any such
prohibited assignment or transfer shall be void and without effect; provided
that if VSTORE should so consent in writing, the assignee shall be bound by all
of the terms and conditions of this Agreement. Notwithstanding the foregoing,
VSTORE may assign and/or delegate any or all of its rights or obligations
hereunder without your consent. You and VSTORE are independent contractors, and
nothing in this Agreement shall create or be construed to create any
partnership, joint venture, agency, franchise, sales representative, or
employment relationship between the parties. Except as otherwise provided in
this Agreement, neither party shall have the right, power, or authority to act
or to create any obligation, express or implied, on behalf of the other. You
will have no authority to make or accept any offers or representations on
VSTORE's behalf. This Agreement is entered into in the State of New York,
U.S.A., and shall be governed by and construed under the substantive laws of the
State of New York, U.S.A., exclusive of its choice-of-law rules. You expressly
consent to (a) the exclusive jurisdiction of the federal and state courts within
the County of New York in the State of New York, U.S.A., over any dispute
arising out of this Agreement, and waive any improper venue or inconvenient
forum objections thereto, and (b) service of process being effected upon you by
registered or certified mail sent to the most current address for you on file
with VSTORE. If either party is required to retain the services of an attorney
to enforce or otherwise litigate or defend any matter or claim arising out of or
in connection with this Agreement, then the prevailing party will be entitled to
recover from the other party, in addition to any other relief awarded or
granted, its reasonable costs and expenses (including attorneys' fees) incurred
in the proceeding. If any provision of this Agreement is found invalid or
unenforceable under judicial decree or decision, the remainder will remain valid
and enforceable according to its terms.

21. Notice.
Unless otherwise provided herein, any notices required or permitted under this
Agreement shall be sent to VSTORE by e-mail to customerservice@vstore.com, with
a hard copy sent to VSTORE by registered or certified mail or by express,
overnight delivery, addressed to Vstore, Inc., 1351 Washington Boulevard, Suite
500, Stamford, CT 06902, ATTN: Customer Service (or at such other address as
VSTORE may from time to time notify you); any notices required or permitted
under this Agreement shall be sent to you at your most current address on file
with VSTORE, or by e-mail to your most current e-mail address on file with
VSTORE, or by posting a message on the VSTORE Web Site in a section entitled
"Legal Information" (or similar title). All notices and demands shall be deemed
complete upon receipt.

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22. Export Controls.
You acknowledge that none of the Proprietary Information may be downloaded,
transferred or otherwise exported or re-exported (a) into (or to a national or
resident of) Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria or any other
country to which the United States has embargoed goods; or (b) to anyone on the
U.S. Treasury Department's list of Specially Designated Nationals or the U.S.
Commerce Department's Table of Denial Orders. You represent and warrant that you
are not located in, under the control of, or a national or resident of any such
country or on any such list.

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                           VSTORE.COM PRIVACY POLICY

We at Vstore.com have created this privacy statement to demonstrate our firm
commitment to individual privacy. The following document discloses our
information-gathering and dissemination practices for this site:
http://www.vstore.com.Please review the following for more details about our
privacy policy.
PERSONAL INFO & ITS USE

Vstore.com uses your IP address to help diagnose problems with our server and to
administer our Web site. Your IP address is used to help identify you and your
shopping cart and to gather broad demographic information. Our site uses cookies
to keep track of your shopping cart. We also use cookies to deliver content
specific to your interests. Our site's registration form requires users to give
us contact information (a valid email address), unique identifiers (a password),
financial information (an account or credit card number), and demographic
information (such as a zip code, age, or income level).
We do not market, sell, or trade this information to any outside companies. In
some instances, we may share some of this information with certain Marketing
Partners. A customer's contact information is also used when we need to contact
them.
Vstore.com gathers demographic information in order to help evolve our business
model. At no time do we sell any personal information, but we may share that
information with Business Partners. We may, at times, use the demographic
information gathered as a marketing or promotional tool. When we do that, we
will make sure it remains entirely anonymous.
Vstore.com also allows you to create an account with Vstore.com in order to
simplify your purchase process at any store. Any information that you supply
when creating an account will be held in the strictest confidence. It will only
be used to manage the payment and shipment of your orders. Vstore.com does not
share any private financial information about its customers with any outside
company or agency unless required by law. We may share other information with
marketing partners.
OPT OUT

Vstore.com may conduct user surveys, run contests, and ask visitors for contact
information. Our site allows you to opt out of receiving communications from our
partners and us. These communications will cover a variety of topics, such as
changes in our Web site, promotions, or new services we think you might find
valuable. If you do not desire this information, you may opt out of receiving
any communication from our partners or us at the time we request information. If
you choose to opt out, log in to the Vstore.com Administration System and fill
out the feedback form.
LINKS

Pages at Vstore.com contain links to other sites. Vstore.com is not responsible
for the privacy practices or content of such Web sitesDELETE/DEACTIVATE

Vstore.com allows you to remove your information from our database in order not
to receive future communications. Please email Customer Service by logging in to
the Vstore.com Administration System and filling out the feedback form.
CHANGE/MODIFY

Vstore.com allows you to modify information previously provided. Please log in
to the Vstore.com Administration System and fill out the feedback form. Be sure
to indicate the exact nature of your modification. A Customer Service agent will
contact you in order to expedite your request with all deliberate speed.
SECURITY

The security of your data is of utmost importance to Vstore.com. Click here to
learn about our security guarantee.
CONTACTING VSTORE.COM

If you have any questions about this Privacy Statement, the practices of this
site, or your dealings with this Web site, click here to contact us.
Vstore.com is authorized by TRUSTe, the leading privacy seal program. TRUSTe is
an independent organization dedicated to building consumer trust and confidence
in the Internet. The TRUSTe seal is currently displayed on all of the Internet's
portal sites, 15 of the top 20 sites and approximately half of the top 100
sites. Since the summer of 1999, Nielsen/NetRatings has continuously rated
TRUSTe as the most visible symbol on the Internet.

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                           VSTORE.COM CODE OF CONDUCT

Vstore.com encourages entrepreneurs to use all of their creativity and energy to
open, market, and make money from their online store. Vstore.com offers the
Vtailer everything they need to open their own store including: over 1 million
products to sell, customized store building system, hosting, customer service
support, order tracking, and credit card transaction management. All free!
Access to these powerful features and free services makes you an important part
of the online community, and as such, we ask that Vtailers conduct their
business responsibly by adhering to the following simple code of conduct.
STOREFRONT PROMOTIONS

         1Vstore.com believes in the ability of individuals to market their
         ideas and goods on the internet. In promoting their storefront, we ask
         our Vtailers to act responsibly and follow through with any
         representation they offer to their customers.

         2Vstore.com explicitly prohibits obscene or illegal activities, and
         promotions on storefronts that are not suitable for minors. Vtailers
         who do not abide by this code of conduct will have their store(s)
         removed and account closed.

         3Periodically, Vstore.com will offer the Vtailer promotional
         opportunities to help market their store and grow their customer base.
         If Vtailers choose to take part in these promotions, they need to
         adhere to the terms and conditions of each promotion set by Vstore.com.

         ANTI-SPAMMING POLICYVSTORE DOES NOT ENDORSE "SPAMMING!"

         Spamming has become a major problem for the Internet. It threatens the
         existence of many legitimate and worthwhile ventures on the Internet
         and abuses the time and resources of those on the receiving end.

         Spamming means sending unsolicited email to persons with whom you have
         no relationship and/or who have not requested your information.

         Spamming is bad marketing. When someone sends out spam, it only serves
         to aggravate those who receive it.

         SPAMMING WILL RESULT IN THE TERMINATION OF YOUR VSTORE ACCOUNT AND
         FORFEITURE OF ANY AND ALL COMMISSIONS.

         Please do not Spam! There are many other ways to promote your Vstore on
         the internet. All "spam" messages which reference the vstore.com domain
         are forwarded directly to our attention and the "spammer" will have
         their store front deleted and forfeit any and all commissions.
         UPLOADING CONTENT

         1Vstore.com provides Vtailers with design and promotional elements to
         help them maximize their effectiveness in generating sales and
         commissions. In order to give customers the best shopping experience
         possible, we advise against the uploading of products and banner
         advertising that is not explicitly handled by Vstore.com.

         2If the Vtailer decides to do so, we ask that Vtailers clearly position
         that the products and/or advertising are not associated with, or
         "fulfilled by", Vstore.com. We request Vtailers to act responsibility
         and stand behind all representations or claims made regarding all their
         products and advertising.

         COMMUNICATION

         1Clear, open communication is the backbone of the internet. Vstore.com
         provides full customer support to handle all interactions between
         customer and merchant. If, however, Vtailers decide to communicate with
         customers via email, phone, or other methods of communication, we
         encourage our Vtailers to represent themselves in a friendly,
         professional, trustworthy and honest manner.

         2Vtailers should clearly represent only themselves and not Vstore.com
         during open communications with customers.

         3We encourage Vtailers to view our privacy policy which is based on the
         industry standard, providing guidelines for safe and secure email
         marketing activities.

         LOGO

         1Vstore.com allows Vtailers the use of our logo for their promotional
         purposes. We ask that Vtailers email Vstore.com for prior approval,
         clearly stating their intended use of the logo. Contact us at
         vtaileradmin@vstore.com.Exhibit 4.1

NEITHER THE WARRANT REPRESENTED BY THIS CERTIFICATE NOR THE UNDERLYING SHARES OF
STOCK HAVE BEEN REGISTERED PURSUANT TO THE SECURITIES ACT OF 1933, AS AMENDED,
OR ANY STATE SECURITIES LAW. NEITHER THIS WARRANT NOR THE UNDERLYING STOCK, NOR
ANY PORTION THEREOF OR INTEREST THEREIN, MAY BE SOLD, TRANSFERRED OR OTHERWISE
DISPOSED OF UNLESS THE SAME IS REGISTERED AND QUALIFIED IN ACCORDANCE WITH SAID
ACT AND ANY APPLICABLE STATE SECURITIES LAW, OR IN THE OPINION OF COUNSEL AND
SUBSTANCE, SUCH REGISTRATION AND QUALIFICATION ARE NOT REQUIRED.

             SHARES                                     WARRANT NO.
------------                                                       ------------

         THIS CERTIFIES THAT, for value received, is entitled to purchase from
American Life Holding Company, Inc., a corporation organized and existing under
the laws of Florida (the "Company"), at any time shares of Common Stock of the
Company at a Purchase Price (as hereinafter defined) of $10.00 per share in
lawful money of the United States of America.

         The number of shares of Common Stock purchasable hereunder, and the
Purchase Price therefor, are subject to adjustment as hereinafter set forth in
Section 6.

         1. DEFINITIONS. For all purposes of this Warrant the following terms
shall have the meanings indicated:

                  a. "Commission" shall mean the Securities and Exchange
Commission or any other Federal agency then administering the Securities Act.

                  b. "Common Stock" shall mean the shares of Common Stock of the
Company as hereinafter defined in Section 7.

                  c. "Company" shall mean American Life Holding Company, Inc., a
corporation organized and existing under the laws of Florida, and any
corporation which shall succeed to, or assume, the obligations of said
corporation hereunder.

                  d. "Exchange Act" shall mean the Securities Exchange Act of
1934, or any similar Federal statute, and the rules and regulations of the
Commission thereunder, all as the same shall be in effect at the time.

                  e. "Initial Purchase Price" shall mean the initial purchase
price of $10.00 per share of Common Stock as hereinbefore set forth.

                                        1

<PAGE>

                  f. "Merger Exchange Price" as used in Subsection e of Section
6 shall mean the price at which any stock or securities issued with respect to,
or in exchange for, shares of Common Stock in a transaction described in such
Subsection e is valued for purposes of determining the amount of shares of such
stock or securities which may be issued in such transaction, as such price may
be determined under any contract, agreement or understanding between the Company
and the entity issuing such stock or securities with respect to such
transaction.

                  g. "Purchase Price" shall mean the Initial Purchase Price or
such Initial Purchase Price as adjusted from time to time pursuant to the
provisions hereof.

                  h. "Securities Act" shall mean the Securities Act of 1933, or
any similar Federal statute, and the rules and regulations of the Commission
thereunder, all as the same shall be in effect at the time.

                  i. "Transfer" or "Transferred" as used in Section 5 shall
include any disposition of this Warrant or Warrant Shares, or of any interest in
either thereof which would constitute a sale thereof within the meaning of the
Securities Act.

                  j. "Warrant" shall mean this Warrant and any Warrant issued in
exchange, transfer or replacement thereof.

                  k. "Warrant Shares" shall mean the shares of Common Stock

purchased or purchasable by the Warrantholders upon the exercise hereof pursuant
to Section 3.

         l. "Warrantholders" shall mean the registered holder or holders of this
Warrant and any related Warrant Shares.

All terms used in this Warrant which are not defined in Section 1 have the
meanings respectively set forth therefor elsewhere in this Warrant.

         2. DETERMINATION OF PURCHASE PRICE. The Initial Purchase Price at which
a Warrantholder may exercise this Warrant shall be a price equal to $ 10.00 per
share of Common Stock and shall be subject to adjustment from time to time
pursuant to the provisions hereof.

         3. a. EXERCISE OF WARRANT. In order to exercise this Warrant in whole
or in part, the registered holder hereof shall complete the Subscription Form
attached hereto, and deliver to the Company, this Warrant and cash or a
certified check in an amount equal to the then aggregate Purchase Price of the
shares of Common Stock being purchased at its principal office, 4823 Old
Kingston Pike, Suite 125, Knoxville, Tennessee 37919 (or at such office or
agency of the Company as the Company may designate by notice in writing to the
holder of this Warrant). Upon receipt thereof, the Company shall, as promptly as
practicable, and in any event within ninety (90) business days thereafter,
execute or cause to be executed and deliver to such holder a certificate or
certificates representing the aggregate number of shares of Common Stock
specified in said Subscription Form.

                                       2

<PAGE>

Each stock certificate so delivered shall be registered in the name of such
holder. If this Warrant shall have been exercised only in part, the Company
shall, at the time of delivery of said stock certificate or certificates,
deliver to such holder a new Warrant evidencing the rights of such holder to
purchase the remaining shares of Common Stock covered by this Warrant. The
Company shall pay all expenses, taxes and other charges payable in connection
with the preparation, execution and delivery of stock certificates pursuant to
this Section.

            b. TRANSFER RESTRICTION LEGEND. Each certificate for Warrant shares
initially issued upon exercise of this Warrant, unless at the time of exercise
such Warrant Shares are registered under the Securities Act, shall bear the
following legend (and any additional legend required by any national securities
exchange upon which such Warrant Shares may, at the time of of such exercise, be
listed) on the face thereof.

"The shares of stock represented hereby have not been registered pursuant to the
Securities Act of 1933, as amended, or any state securities law. Neither these
shares, nor any portion thereof or interest therein, may be sold, transferred,
or otherwise disposed of unless the same is registered and qualified in
accordance with said act and any applicable state securities law, or in the
opinion of counsel satisfactory to the Company as to counsel and substance, such
registration and qualification are not required.

Any certificate issued at any time in exchange or substitution for any
certificate bearing such legend (except a new certificate issued upon completion
of a public distribution under a registration statement of the securities
represented thereby) shall also bear such legend unless, in the opinion of
counsel satisfactory to the Company as to counsel and substance, the securities
represented thereby need no longer be subject to the restrictions contained in
this Warrant. The provisions of Section 5 shall be binding upon all subsequent
holders of certificates bearing the above legend, and shall also be applicable
to all subsequent holders of this Warrant.

            c. ACKNOWLEDGMENT OF RIGHTS. The Company will, upon request of the
holder of this Warrant or a holder of Warrant Shares, acknowledge in writing
its continuing obligation in respect of any rights to which such holder shall be
entitled, provided, that the failure of such holder to make any such request
shall not affect the continuing obligation of the Company to such holder in
respect of such rights.

            d. CHARACTER OF WARRANT SHARES. All shares of Common Stock
issuable upon the exercise of this Warrant shall be duly authorized, validly
issued, fully paid and nonassessable; and without limiting the generality of the
foregoing, the Company covenants and agrees that it will from time to time take
all such actions as may be requisite to assure that the par value, if any, per
share of Common Stock is at all times equal to or less than the then effective
Purchase Price.

         4. OWNERSHIP OF THIS WARRANT. The Company may deem and treat the person
in whose name this Warrant is registered as the owner and holder hereof
(notwithstanding any notations of ownership or writing hereon made by anyone
other than the Company) for all purposes and shall not be affected by any notice
to the contrary.

                                        3

<PAGE>

         5. NO TRANSFER OF WARRANTS OR WARRANT SHARES.

            a. WARRANTS AND WARRANT SHARES NOT REGISTERED. Each Warrantholder,
by accepting this Warrant, represents and acknowledges that this Warrant and the
Warrant Shares which may be purchased upon exercise of this Warrant are not
being registered under the Securities Act on the grounds that the issuance of
this Warrant and the offering and sale of such Warrant Shares are exempt from
registration under Section 4(2) of the Securities Act as not involving any
public offering (or based on other exemptions).

            b. NO TRANSFER OF WARRANTS AND WARRANT SHARES. Neither the Warrants
or the Warrant Shares may be Transferred.

         6. a. ANTI-DILUTION PROVISIONS: ADJUSTMENT OF PURCHASE PRICE. The
Purchase Price shall be subject to adjustment from time to time as hereinafter
provided. Upon each adjustment of the purchase price, the holder of this Warrant
shall thereafter be entitled to purchase, at the Purchase Price resulting from
such adjustment, the number of shares (calculated to the nearest whole share)
obtained by multiplying the Purchase Price in effect immediately prior to such
adjustment and dividing the product thereof by the Purchase Price resulting from
such adjustment.

            b. EFFECT OF CERTAIN DIVIDENDS. The payment of dividends by the
Company (whether special dividends, annual dividends, or otherwise) shall not
give rise to any adjustments to the Initial Purchase Price or any subsequent
Purchase Price.

            c. STOCK SPLITS AND REVERSE SPLITS. In case at any time the Company
shall subdivide its outstanding shares of Common Stock into a greater number of
shares, the Purchase Price in effect immediately prior to such subdivision shall
be proportionately reduced and the number of Warrant Shares purchasable pursuant
to this Warrant immediately prior to such subdivision shall be proportionately
increased, and conversely, in a case at any time the Company shall combine its
outstanding shares of Common Stock into a smaller number of shares, the Purchase
Price in effect immediately prior to such combination shall be proportionately
increased and the number of Warrant Shares purchasable upon the exercise of this
Warrant immediately prior to such combination shall be proportionately reduced.
Except as provided in this Subsection d, no adjustment in the Purchase Price and
no change in the number of Warrant Shares so purchasable shall be made pursuant
to this Section 6 as a result of or by reason of any such subdivision or
combination.

            d. EFFECTS OF REORGANIZATION AND ASSET SALES. If any capital
reorganization or reclassification of the capital stock of the Company, or
consolidation or merger of the Company with another corporation, or the sale of
all or substantially all of its assets to another corporation, shall be effected
in such a way that holders of Common Stock shall be entitled to receive stock
securities or assets with respect to or in exchange for Common Stock, then as a
condition for such reorganization,

                                        4

<PAGE>

reclassification, consolidation, merger or sale, lawful and adequate provision
shall be made whereby the holder of this Warrant shall thereafter have the right
to receive, upon the terms and conditions herein contained and subject to any
adjustment described in the next sentence hereof, upon exercise of the Warrants
in accordance with Subsection a of Section 3, above, in lieu of the shares of
the Common Stock of the Company immediately theretofore receivable upon the
exercise of this Warrant, such shares of stock, securities or assets may be
issued or payable with respect to or in exchange for a number of outstanding
shares of such Common Stock equal to the number of shares of such stock
immediately theretofore so receivable upon the exercise of this Warrant had such
reorganization, reclassification, consolidation, merger or sale not taken place,
and in any such case appropriate provisions shall be made with respect to the
rights and interests of such holder to the end that the provisions hereof
(including, without limitation, provisions for adjustment of the Purchase Price
and of the number of shares issuable upon exercise) shall thereafter be
applicable, as nearly as may be, in relation to any shares of stock, securities
or assets thereafter deliverable upon the exercise of this Warrant. The Company
shall not effect any such consolidation, merger or sale unless prior to or
simultaneously with the consummation thereof the successor corporation (if other
than the company) resulting from such consolidation or merger or the corporate
purchasing such assets shall assume by written instrument executed and mailed or
delivered to the holder of this Warrant, the obligation to deliver to such
holder such shares of stock, securities or assets as, in accordance with the
foregoing provisions, the Warrantholder may be entitled to receive, and
containing the express assumption of such successor corporation of the due and
punctual performance and observance of each provision of this Warrant to be
performed and observed by the Company and of all liabilities and obligations of
the Company hereunder.

            e. DEFINITION OF COMMON STOCK. As used herein, the term "Common
Stock" shall mean and include the Company's authorized common stock, and shall
include any Common Stock of any class or classes resulting from any
reclassification or reclassification thereof. As used herein, the term "Common
Stock" shall not mean any shares of any type of preferred stock issued or
issuable pursuant to the Company's charter.

         7. ADDITIONAL AGREEMENTS

            a. COMPANY WILL RESERVE SHARES. The Company will reserve and set
apart and have at all times, free from preemptive rights, a number of shares of
authorized but unissued Common Stock deliverable upon the exercise of this
Warrant, and it will have at all times any other rights or privileges sufficient
to enable it at any time to fulfill all of its obligations hereunder.

            b. COMPANY WILL AVOID CERTAIN ACTIONS. The Company will not, by
amendment of its certificate of articles of incorporation or through any
reorganization, transfer of assets, consolidation, merger, issue or sale of
securities or otherwise, avoid or take any action which would have the effect of
avoiding the observance of performance of any of the terms to be observed or
performed hereunder by the Company, but will at all times in good faith assist
in carrying out all of the provisions of this Warrant and in taking all of such
actions as may be necessary or appropriate in order to protect the rights of the
holders of this Warrant against dilution or other impairment.

                                       5

<PAGE>

            c. NEW STOCK: NO PREEMPTIVE RIGHTS. The Company may, in its absolute
discretion, issue any capital stock of any class which has rights to be
preferred as to dividends or as to the distribution of assets upon voluntary or
involuntary liquidation, dissolution or winding up. The Company may, in its
absolute discretion, issue any additional Common Stock of any type or class
allowed in its charter even if the issuance thereof will result in dilution to
the holder of this warrant, and such holder shall not be entitled to any
adjustment provided pursuant to Paragraph 6 of this Warrant in such event. The
holder of this Warrant shall have no preemptive rights with regard to this
Warrant, the Warrant shares issuable hereunder, or any Common Stock of the
Company.

            d. WILL BIND SUCCESSOR. This Warrant shall be binding upon any
corporation succeeding to the Company by merger, consolidation or acquisition of
all or substantially all of the Company's assets.

         8. NOTIFICATION BY THE COMPANY. In case at any time:

            a. The Company shall pay any dividend payable in stock upon Common
Stock or make any distribution (other than cash dividends payable out of net
earnings after taxes for the prior fiscal year) to the holders of the Common
Stock;

            b. The Company shall make an offer for subscription pro rata to the
holders of its Common Stock of any additional shares of stock of any class or
other rights;

            c. There shall be any capital reorganization, reclassification of
the capital stock of the Company, consolidation or merger of the Company with,
or sale of all or substantially all of its assets to, another corporation;

            d. There shall be a voluntary or involuntary dissolution,
liquidation or winding- up of the Company; then, in any one or more of such
cases, the Company shall give written notice to the registered holder of this
Warrant of the date on which (I) the books of the Company shall close, or a
record shall be taken for such dividend, distribution or subscription rights, or
(ii) such reorganization, reclassification, consolidation, merger, sale,
dissolution, liquidation, or winding-up shall take place, as the case may be.
Such notice shall also specify the date as of which the holders of Common Stock
of record shall participate in such dividend, distribution or subscription
rights, or shall be entitled to exchange their Common Stock for securities or
other property deliverable upon such reorganization, reclassification,
consolidation, merger, sale, dissolution, liquidation, or winding-up, as the
case may be. Such written notice shall be given not less than ten (10) days and
not more than sixty (60) days prior to the action in question and such notice
may state that the action in question is subject to the effectiveness of a
registration statement under the Securities Act, or to a favorable vote of
stockholders, if either is required.

         9. NOTICES. Any notices or other document required or permitted to be
given or delivered to the Warrantholder shall be delivered at, or sent by
certified or registered mail to the

                                        6

<PAGE>

Warrantholder at, the address shown on the Warrantholder's Warrant or to such
other address as shall have been furnished to the Company in writing by the
Warrantholder. Any notice or other document required or permitted to be given or
delivered to the Company shall be delivered at, or sent by certified or
registered mail to the principal office at 4823 Old Kingston Pike, Suite 1832,
Knoxville, Tennessee 37919, or such other address as shall have been furnished
to the Warrantholder by the Company.

         10. NO RIGHTS AS SHAREHOLDER; LIMITATION OF LIABILITY. This Warrant
shall not entitle any holder hereof to any of the rights of a shareholder of the
Company. No provisions hereof, in the absence of affirmative action by the
holder hereof to purchase shares of Common Stock, and no more enumeration herein
of the rights or privileges of the holder hereof, shall give rise to any
liability of such holder for the Purchase Price or as a shareholder of the
Company, whether such liability is asserted by the Company or by creditors of
the Company.

         11. MISCELLANEOUS. This Warrant and any provision hereof may be
changed, waived, discharged or terminated only by an instrument in writing
signed by the party (or any predecessor in interest thereof) against which
enforcement of the same is sought. The headings in this Warrant are for purposes
of reference only and shall not affect the meaning or construction of any of the
provisions hereof.

         IN WITNESS WHEREOF, the American Life Holding Company, Inc. has caused
this Warrant to be signed by its duly authorized officer under its corporate
seal, attested by its duly authorized officer, and to be dated as of
_____________.

                                     AMERICAN LIFE HOLDING
                                     COMPANY, INC.

                                     By:
                                         --------------------------------------
                                         Its:
                                              ---------------------------------

PARTIAL SUBSCRIPTION FORM TO BE EXECUTED BY THE REGISTERED HOLDER IF HE DESIRES
TO EXERCISE IN PART THE WITHIN WARRANT

         The undersigned hereby exercises the right to purchase _________ shares
of __________ the total of shares of Common Stock covered by the within Warrant
at the date of this subscription and herewith makes payment of the sum of
$________ representing the Purchase Price of $________ per share in effect at
this date. Certificates for such shares and a new Warrant of like Tenor and date
for the balance of the shares not subscribed for shall be issued in the name of
and delivered to the undersigned, unless otherwise specified by written
instructions, signed by the undersigned and accompanying this subscription.

                                        7

<PAGE>

         (The following paragraph need be completed only if the Purchase Price
and number of shares of Common Stock specified in the within Warrant have been
adjusted pursuant to Subsection a of Section 6.)

         The shares hereby subscribed for constitute _________ shares of Common
Stock (to the nearest whole share) resulting from adjustment of _________ shares
of the total of _________ shares of Common Stock covered by the within Warrant,
as said shares were constituted at the date of the Warrant, leaving a balance of
_________ shares of Common Stock, as constituted at the date of the Warrant, to
be covered by the new Warrant.

                  By:
                       -----------------------------------------------------

                  Dated:
                         ---------------------------------------------------

FULL SUBSCRIPTION FORM TO BE EXECUTED BY THE REGISTERED HOLDER IF HE DESIRES TO
EXERCISE IN FULL THE WITHIN WARRANT

         The undersigned hereby exercises the right to purchase _________ shares
of Common Stock covered by the within Warrant at the date of this subscription
and herewith makes payment of the sum of $_________ representing the Purchase
Price of $_________ per share in effect at this date. Certificate for such
shares shall be issued in the name of and delivered to the undersigned, unless
otherwise specified by written instructions, signed by the undersigned and
accompanying this subscription

                  By:
                       -----------------------------------------------------

                  Dated:
                         ---------------------------------------------------

                                        8

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