Document:

EXHIBIT 10.48
                                                                   -------------

                              CONSULTING AGREEMENT

This Agreement is made and entered into as of the 20th day of September, 1998,
between Heartsoft, Inc. (hereinafter "Heartsoft") and Intercap Funding, LTD.
(hereinafter "Intercap").

WITNESSETH:

WHEREAS, Heartsoft is a public company and its securities are traded on the
over-the-counter market; and

WHEREAS, Intercap has experience in providing financial and business advice to
public and private companies and;

WHEREAS, Heartsoft is seeking and Intercap is willing to furnish business and
financial related advice and services to Heartsoft on the terms and conditions
hereinafter set forth.

NOW THEREFORE, in consideration of, and for the mutual promises and covenants
contained herein and for other good and valuable consideration, the receipt of
which is hereby acknowledged, the parties agree as follows:

1.         Duties of Intercap.

           (a) Intercap provides consulting advisory services; and (i) it is
           free to enter into this Agreement and the services to be provided
           pursuant to this Agreement are not in conflict with any other
           contractual or other obligation to which Intercap is bound. Heartsoft
           acknowledges that Intercap is in the business of providing financial
           and fund-raising services and consulting advice (of the type
           contemplated by this Agreement) to others. Nothing herein contained
           shall be construed to limit or restrict Intercap in conducting such
           business with respect to others, or rendering such advice to others.

           (b) During the term of the Agreement, Intercap will provide Heartsoft
           with consulting advice as specified below, provided that Intercap
           shall not be required to undertake duties not reasonable within the
           scope of the consulting advisory service in which Intercap is engaged
           generally. In performance of these duties, Intercap shall provide
           Heartsoft with the benefits of its best judgment and efforts. It is
           understood and acknowledged by the parties that the value of the
           Intercap's advice is not measurable in any quantitative manner and
           that the amount of time spent rendering such consulting advice shall
           be determined according to Intercap's discretion.

           (c) Intercap's duties include, but will not necessarily be limited
           to:

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           1) Advice relating to corporate financing and fund-raising
           activities;
           2) Recommendations relating to specific business operations and
           investments;
           3) Advice relating to financial planning; and,
           4) Advice relating to the acquisition of other companies.

2.         Term:

The term of this Agreement shall be for three (3) years commencing as of the
execution of this Agreement ("Commencement Date"); provided, however, that this
Agreement may be renewed or extended upon such terms and conditions as may be
mutually agreed upon by the parties hereto.

3.         Compensation.

As part of this Agreement, Heartsoft shall provide to Intercap or its designees,
1,200,000 shares of Heartsoft's Convertible Preferred stock ("shares") as
consideration for all services anticipated herein.

The shares shall be free and clear of all liens, pledges, charges, claims or
encumbrances, and upon delivery of the certificate(s) evidencing the shares,
Intercap or its designee(s) will acquire good and marketable title to the
shares, free and clear of all liens, pledges, charges, claims, and encumbrances,
except that such shares shall be "restricted" within the meaning of the
Securities Act of 1933 (the "Act).

Intercap acknowledges that the certificate(s) for the shares will be legended to
indicate that the shares represented thereby have not been registered under the
Act, as amended, and were acquired for investment and may not be pledged,
hypothecated, publicly sold or transferred (except to officers, directors,
employees, or designees of Intercap) in the absence of a Registration Statement
effective under the Act for the shares or an opinion of counsel satisfactory to
Heartsoft that registration is not required under the Act.

4.         Good Faith Performance.

In the performance of its services, Intercap shall be obligated to act in good
faith, and shall not be liable to Heartsoft for errors in judgment not the
result of willful misconduct. Intercap may look to such others for such factual
information, economic advice and/or research upon which to base its advice to
Heartsoft thereunder as Intercap shall in good faith deem appropriate.

5.         Miscellaneous.

           (a) Any notice or other communication between parties hereto shall be
           sufficiently given if sent by certified or registered mail, postage
           prepaid, if to

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           Heartsoft, addressed to it at 3101 North Hemlock Circle, Broken
           Arrow, Oklahoma 74012, or if to Intercap, addressed to it at 649
           Arlington Ave., Westfield, NJ 07090 or to such address as may be
           hereafter designated in writing by one party to the other. Such
           notice or other communications shall be deemed to be given on the
           date mailed.

           (b) This Agreement embodies the entire Agreement and understanding
           between Heartsoft and Intercap and supersedes any and all
           negotiation, prior discussions and preliminary and prior agreements
           and understandings related to the subject matter hereof.

           (c) This Agreement has been duly authorized, executed and delivered
           by and on behalf of Heartsoft and Intercap.

           (d) This Agreement shall be construed and interpreted in accordance
           with the laws of the State of Oklahoma.

           (e) This Agreement and rights hereunder may not be assigned by either
           party (except by operation or law) and shall be binding upon and
           ensure to the benefit of the parties and their respective successors,
           assigns and legal representatives.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the
date set forth above.

HEARTSOFT, INC.

BY:        /s/ Benjamin P. Shell
           ------------------------
           Benjamin P. Shell
           Chairman and CEO

INTERCAP FUNDING, LTD.

BY:        /s/ Hugh Duddy
           ------------------------
           Hugh DuddyEXHIBIT 10.49
                                                                   -------------

                   NON CIRCUMVENTION AND CONSULTING AGREEMENT
                   ------------------------------------------

           THIS AGREEMENT IS DATED THE 1ST DAY OF FEBRUARY 1999, BETWEEN
INTERCAP FUNDING LTD., HUGH P. DUDDY, 649 ARLINGTON AVENUE, WESTFIELD, NEW
JERSEY 07090 USA; AND HEARTSOFT, INC., BENJAMIN SHELL, CHAIRMAN/CEO, 3101 NORTH
HEMLOCK CIRCLE, BROKEN ARROW, OK 74012;

           WHEREAS, "COMPANY" WISHES TO RETAIN THE "CONSULTANT" TO PROVIDE
CERTAIN SERVICES AS HEREINAFTER MORE SPECIFICALLY DESCRIBED AND THE "CONSULTANT"
HAS AGREED TO BE SO RETAINED TO PROVIDE SUCH SERVICES ON A BEST EFFORTS BASIS
DURING THE TERM OF THIS CONSULTING AGREEMENT.

           NOW, THEREFORE IN CONSIDERATION OF THE COVENANTS AND AGREEMENTS
HEREINAFTER EXPRESSED THE PARTIES AGREE AS FOLLOWS;

SECTION 1. TERM OF AGREEMENT. THIS AGREEMENT SHALL BEGIN ON FEBRUARY 1, 1999,
AND REMAIN IN EFFECT FOR ONE HUNDRED AND EIGHTY (180) DAYS AND SHALL BE
CONSIDERED RENEWED ON THE FIRST DAY OF EACH MONTH THEREAFTER BY MUTUAL CONSENT
FOR NINE (9) MONTHS UNLESS TERMINATED IN WRITING BY EITHER PARTY THIRTY (30)
DAYS PRIOIR TO THE NEXT RENEWAL DATE.

SECTION 2. "COMPANY" OBLIGATIONS. "COMPANY" SHALL PROVIDE "CONSULTANT" WITH ALL
APPLICABLE COMPANY DOCUMENTATION NECESSARY FOR "CONSULTANT" TO CARRY OUT HIS
OBLIGATION AS FURTHER DESCRIBED IN SECTION 3 OF THIS AGREEMENT. "COMPANY" IS
OBLIGATED TO PAY THE AGREED UPON RENUMERATION AS REFERRED TO IN SECTION 4 BELOW,
AND TO TAKE ALL STEPS NECESSARY TO ASSURE THAT "CONSULTANT" AND "COMPANY" COMPLY
WITH ALL APPLICABLE COUNTRY, FEDERAL AND/OR STATE LAWS. "COMPANY" WILL NOT
WITHHOLD ANY MONIES FOR ANY COUNTRY, FEDERAL, STATE OR LOCAL TAXING AUTHORITIES
FROM FEES/COMMISSIONS EARNED BY "CONSULTANT" PURSUANT TO THIS AGREEMENT. WHEN
APPLICABLE, "COMPANY" SHALL PREPARE AND FILE A FORM 1099 WITH THE INTERNAL
REVENUE SERVICE (IRS), REPORTING COMPENSATION PAID TO "CONSULTANT".

SECTION 3. "CONSULTANT" OBLIGATIONS. "COMPANY" HEREBY RETAINS THE "CONSULTANT"
TO PROVIDE THE FOLLOWING SERVICES ON A BEST EFFORTS BASIS:

(A)        PROVIDE LIAISON WITH THE INVESTMENT AND BANKING
           COMMUNITY;

(B)        ASSIST IN THE TARGETING OF POTENTIAL; INVESTORS, MERGERS,
           ACQUISITIONS AND MARKETING;

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(C)        ASSIST WITH NEGOTIATIONS AND STRUCTURING POTENTIAL
           BUSINESS OPPORTUNITIES AND ACQUISITIONS;

(D)        ASSIST IN PROMOTION AND ADVERTISEMENT;

(E)        ACT AS LIASION TO NEGOTIATIONS WHEN CALLED UPON;

(F)        INTRODUCE CERTAIN PERSONS AND ORGANIZATIONS WITH THE HOPE AND
           INTENT THAT THE INTRODUCED PARTIES MAY INVEST IN, ENTER IN TO A
           LICENSING AGREEMENT WITH OR OTHERWISE FINANCE THE DEVELOPMENT OF
           THE "COMPANY" OR ANY OF ITS AFFILIATES (AS DEFINED BELOW - AN
           "INVESTMENT").

(G)        ASSIST "COMPANY" IN ACHIEVING ALL COMPANY OBJECTIVES AND FINANCIAL
           GOALS.

(H)        TAKE ALL STEPS NECESSARY TO ASSURE THAT COMPLIANCE WITH APPLICABLE
           CITY, STATE, AND/OR FEDERAL LAWS.

SECTION 4. REMUNERATION. IN THE EVENT THAT DURING THE TERM OF THIS AGREEMENT
"COMPANY" OR ANY OF ITS AFFILIATES RECEIVES AND INVESTMENT FROM ANY OF THE
INTRODUCED PARTIES, "COMPANY" SHALL PAY TO "CONSULTANT", IMMEDIATELY UPON THE
CLOSING OF SUCH INVESTMENT, WITHOUT DEDUCTION FOR ANY AMOUNTS WHICH MAY BE OWED
TO OTHER PARTIES IN CONNECTION WITH SUCH INVESTMENTS, A FINDERS FEE IN CASH
EQUAL TO ___ PERCENT ( ) OF ALL AMOUNTS OF ANY CASH OR THE FAIR MARKET VALUE OF
ANY OTHER CONSIDERATION RECEIVED BY "COMPANY", OR ANY OF ITS AFFILIATES, FROM
ANY OF THE INTRODUCED PARTIES DURING THE TERM OF THE AGREEMENT.

SECTION 5. AFFILIATE. FOR THE PURPOSE OF THIS AGREEMENT, THE TERM AFFILIATE
SHALL MEAN, WITH RESPECT TO ANY ENTITY, ANY OTHER ENTITY THAT CONTROLS, IS
CONTROLLED BY, OR IS UNDER COMMON CONTROL WITH SUCH ENTITY, WHERE THE TERM
"CONTROL" MEANS DIRECT OR INDIRECT POSSESSION OF AT LEAST ___ PERCENT ( ) OF THE
VOTING SECURITIES OR COMPARABLE EQUITY INTEREST BY OR IN SUCH ENTITY. AFFILIATE
SHALL ALSO INCLUDE ANY JOINT VENTURE, PARTNERSHIP OR OTHER SIMILAR ENTITY, NOT
INCLUDED IN THE FOREGOING, TO WHICH OR ANY OF ITS AFFILIATES, IS A PARTY AND
WHICH RECEIVES AN INVESTMENT FROM ANY OF THE INTRODUCED PARTIES. COMPANY WILL
ISSUE TO "CONSULTANT" WARRANTS EQUAL TO ___ OF THE NUMBER OF SHARES PURCHASED BY
ANY AND ALL INTRODUCED FOR SUCH WARRANTS WILL BE EXERCISED AT AND WILL REMAIN IN
FORCE FOR 5 YRS. FROM ISSUE DATE.

SECTION 6. CONFIDENTIALITY OF PROPRIETARY INFORMATION. "CONSULTANT" AGREES,
DURING OR AFTER THE TERM OF THIS AGREEMENT, NOT TO REVEAL CONFIDENTIAL
INFORMATION, OR TRADE SECRETS TO ANY PERSON, FIRM, CORPORATION OR ENTITY.

SECTION 7. REIMBURSEMENT OF EXPENSES. THE "CONSULTANT" MAY INCUR REASONABLE
EXPENSES FOR FURTHERING "COMPANY'S" BUSINESS,

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INCLUDING EXPENSES FOR ENTERTAINMENT, TRAVEL, AND SIMILAR ITEMS. "COMPANY" SHALL
REIMBURSE "CONSULTANT" FOR ALL BUSINESS EXPENSES THAT HAVE BEEN APPROVED AFTER
THE "CONSULTANT" PRESENTS AN ITEMIZED ACCOUNT OF EXPENDITURES AND SUPPORTING
ORIGINAL RECEIPTS.

SECTION 8. DEATH BENEFIT. SHOULD "CONSULTANT" DIE DURING THE TERMS OF THIS
AGREEMENT, "COMPANY" SHALL PAY TO "CONSULTANT'S" ESTATE ANY FEES/COMMISSIONS DUE
AND ALL COMMISSIONS EARNED ON EXISTING BUSINESS INTRODUCED TO "COMPANY" BY THE
"CONSULTANT" PRIOR TO DEATH IN ACCORDANCE WITH THIS AGREEMENT.

SECTION 9. ASSISTANCE IN LITIGATION. "CONSULTANT" SHALL UPON REASONABLE NOTICE,
FURNISH SUCH INFORMATION AND PROPER ASSISTANCE TO "COMPANY" AS IT MAY REASONABLY
REQUIRE IN CONNECTION WITH ANY LITIGATION IN WHICH IT IS, OR MAY BECOME, A PARTY
EITHER DURING OR AFTER BEING ENGAGED WITH "COMPANY".

SECTION 10. CONTROLLING LAW. THIS AGREEMENT SHALL BE CONTROLLED, CONSTRUED AND
ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW JERSEY.

SECTION 11. EFFECT OF PRIOR AGREEMENTS. THIS AGREEMENT SUPERSEDES ANY PRIOR
AGREEMENT BETWEEN "COMPANY" OR ANY PREDECESSOR OF "COMPANY" AND THE
"CONSULTANT", EXCEPT THAT THIS AGREEMENT SHALL NOT AFFECT OR OPERATE TO REDUCE
ANY BENEFIT OR COMPENSATION INURING TO THE "CONSULTANT" OF A KIND ELSEWHERE
PROVIDED AND NOT EXPRESSLY PROVIDED IN THIS AGREEMENT.

SECTION 12, SETTLEMENT BY ARBITRATION. ANY CLAIM OR CONTROVERSY THAT ARISES OUT
OF OR RELATES TO THIS AGREEMENT, OR THE BREACH OF IT, SHALL BE SETTLED BY
ARBITRATION IN ACCORDANCE WITH THE RULES OF THE AMERICAN ARBITRATION
ASSOCIATION. JUDGMENT UPON THE AWARD RENDERED MAY BE ENTERED IN ANY COURT WITH
JURISDICTION.

SECTION 13. SEVERABILITY. IF ANY TERM, COVENANT, CONDITION OR PROVISION OF THIS
AGREEMENT IS HELD BY A COURT OF COMPETENT JURISDICTION TO BE INVALID, VOID OR
UNENFORCEABLE, THE REMAINDER OF THE PROVISIONS SHALL REMAIN IN FULL FORCE AND
EFFECT AND SHALL IN NO WAY BE AFFECTED, IMPAIRED OR INVALIDATED.

SECTION 14. CAPTIONS. CAPTIONS OF THIS AGREEMENT ARE FOR CONVENIENCE AND
REFERENCE ONLY, AND THE WORDS CONTAINED THEREIN SHALL IN NO WAY BE HELD TO
EXPLAIN, MODIFY, AMPLIFY OR AID IN THE INTERPRETATION, CONSTRUCTION OR MEANING
OF THE PROVISIONS OF THIS AGREEMENT.

SECTION 15. ASSUMPTION OF AGREEMENT BY SUCCESSORS AND ASSIGNEES. "COMPANY" AND
"CONSULTANT" RIGHTS AND OBLIGATIONS UNDER THIS AGREEMENT WILL INSURE TO THE
BENEFIT AND BE BINDING UPON THEIR SUCCESSORS AND ASSIGNEES.

<PAGE>

SECTION 16. ORAL MODIFICATIONS NOT BINDING. THIS INSTRUMENT IS THE ENTIRE
AGREEMENT OF "COMPANY" AND "CONSULTANT". ORAL CHANGES SHALL HAVE NO EFFECT. IT
MAY BE ALTERED ONLY BY A WRITTEN AGREEMENT SIGNED BY THE PARTY AGAINST WHOM
ENFORCEMENT OF ANY WAIVER, CHANGE, MODIFICATION, EXTENSION, OR DISCHARGE IS
SOUGHT.

SECTION 17. TIME IS OF AN ESSENCE. TIME IS OF THE ESSENCE OF THIS AGREEMENT AND
EACH COVENANT AND TERM A CONDITION HEREIN.

SECTION 18. INTEGRATION. THIS AGREEMENT AND ANY ATTACHED EXHIBITS CONTAIN THE
ENTIRE AGREEMENT BETWEEN PARTIES. ANY AMENDMENTS TO THIS AGREEMENT SHALL BE MADE
IN WRITING AND EXECUTED BY BOTH PARTIES.

           IN WITNESS WHEREOF, "COMPANY" HAS CAUSED THIS AGREEMENT TO BE
EXECUTED IN ITS CORPORATE NAME BY ONE OF ITS CORPORATE OFFICERS, AND THE
"CONSULTANT" HAVE SET THEIR HAND TO THIS AGREEMENT AS OF THE DAY AND YEAR
WRITTEN BELOW.

           IN WITNESS WHEREOF THE PARTIES HAVE HEREUNTO EXECUTED THIS AGREEMENT
      AS OF THE DAY AND YEAR ABOVE WRITTEN.

      ACCEPTED ON BEHALF OF:   INTERCAP FUNDING, LTD.

      PER:    /s/ Hugh P. Duddy             DATE   2/01/99
          ----------------------------           -------------
                HUGH P. DUDDY

      ACCEPTED ON BEHALF OF:   HEARTSOFT, INC.

      PER:    /s/ Benjamin Shell            DATE   2/01/99
          ----------------------------           -------------
               BENJAMIN SHELL
               CHAIRMAN, CEO

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