Document:

Exhibit 10.11

                             EMPLOYMENT AGREEMENT

    THIS AGREEMENT, made effective this 25th day of September, 2000, by and
between Advantage Realty of Janesville, hereinafter called the Company, and
Diane Butts, hereinafter Called Employee.

     1. Employment. The Company hereby agrees to employ and does employ the
Employee to perform the work required in the general management of the affairs
of the Company's real estate office located at 300 North River Street,
Janesville, Wisconsin 53545, and such other duties as shall be required by the
Company, and the Employee, in consideration thereof, agrees to faithfully
execute the labors of her engagement in a good and workmanlike manner, and
further to conduct herself in such a way as shall serve the best interests of
the Company.

     2. Compensation. The Company hereby agrees to pay the Employee a monthly
salary of $2,000 for her services as manager of the Company's office so long
as the Employee's services are satisfactory to the Company.  Additionally, the
Employee shall be entitled to a commission of 50% of transaction revenues from
transactions on her listings/sales.  Employee shall also be entitled to a 10%
override commission on the transactions of the other agents in the specified
office.

     3. Expenses. The Company agrees to reimburse the Employee for all
expenses incurred by the Employee, which expenses are incurred on behalf of
the Company and are deemed ordinary ad necessary expenses pursuant to the
Internal Revenue Code.

     4.  Compensation of Expense Reimbursement Claimed to be Excessive by
Governmental Authority.  Any payments made to the Employee including salary,
commission, bonus, interest, rent or entertainment which shall be disallowed
in whole or in part as a deductible expense by the Internal Revenue Service,
shall be reimbursed by the Employee to the Company to the full extent of such
disallowance. It shall be the duty of the Directors, as a Board, to enforce
payments of each such amount disallowed.

     5. Duties. The duty of the Employee shall be those reasonable managerial
duties as are determined from time to time by the Company. If the Employee is
elected or appointed as a Director or an Officer of the Company during the
term of this Agreement,  the Employee will serve in such capacity or
capacities with such compensation, if any, as is determined by the Company;
but nothing herein shall be construed as requiring the Company, or anyone
else, to cause the election or appointment of the Employee such Director or
Officer.

     6. Term. This Agreement may not be terminated by either party within the
first two years of the agreement accept as specified herein, and only
thereafter upon written notice, given by either party at any time, with or
without cause.

     7. Time and Effort/Independent Activities. The parties acknowledge that
Employee is not required to devote her full time and attention to the
performance of duties as manager of the Company's office. Instead, Employee
shall devote such time to the business of the Company as

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Employee and the Company mutually determine from time to time.

     8.  Applicable Law.  This Agreement shall be governed in all respects,
whether as of validity, construction, capacity, performance, or otherwise, by
the laws of the State of Minnesota.

     9.  Additional Terms.  Employee shall be obligated to increase the number
of agents operated out of the specified office to eight (8) by March 31, 2001.

     IN WITNESS WHEREOF, the parties have signed this Agreement.

                        ADVANTAGE REALTY OF JANESVILLE

                        By: /s/ Donald Riesterer
                           ---------------------------------
                                Donald Riesterer, President

                        EMPLOYEE

                        By: /s/ Diane Butts
                            --------------------------------
                                Diane ButtsExhibit 10.12

                           ASSET PURCHASE AGREEMENT

     This AGREEMENT is made as of the 25th day of September, 2000, by and
between Advantage Realty of Janesville, Inc., a Wisconsin corporation
("hereinafter "Buyer"), and Diane and Associates Real Estate, Inc., a
Wisconsin corporation (hereinafter "Seller").

                                   RECITALS

     A.  Seller operates a real estate brokerage office, located at 300 North
River Street, Janesville, Wisconsin 53545 ( the "Business").

     B.  Seller desires to sell certain assets used by it in the operation of
the business and Buyer is willing to purchase the same under the terms and
conditions hereinafter set forth.

                                  AGREEMENT

     In consideration of the mutual provisions, representations, warranties
covenants and agreements contained herein, the parties hereto agree as
follows:

                                  ARTICLE I
                      TRANSFER  OF ASSETS AND PROPERTIES

     1.1 Purchase and Sale of Assets.   On the terms and subject to the
conditions of this Agreement, on the Closing Date, the Buyer shall purchase
from the Seller and the Seller shall sell, assign, transfer and deliver to
the Buyer, the fixtures and equipment owned by Seller and used in the
operation of the Business as described on Exhibit A and all inventory located
at the Business as of the Closing Date (the "Assets") but shall exclude any
Excluded Assets as defined in Section 1.2.

     1.2. Excluded Assets. The following assets (collectively, the "Excluded
Assets") shall be excluded from this Agreement, and shall not be assigned or
transferred to the Buyer.

          See Exhibit B.

     1.3 Instruments of Transfer.  The transfer of the Assets of Seller, as
herein provided, shall be effected by bills of sale, assignments, drafts,
checks and other instruments of transfer and conveyance in such form as shall
be sufficient to transfer the Assets, as contemplated by this Agreement, and
as shall reasonably be required by Buyer.

                                  ARTICLE  2
                           PURCHASE PRICE AND TERMS

     2.1 Consideration for Assets. The purchase price to be paid by Buyer to
Seller for the Assets shall be determined follows:

            1.  The sum of One Hundred and Forty Thousand and no/100ths
                ($140,000.00) Dollars for the equipment, fixtures and goodwill
                located at the Business. Seller

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                the sale.

      2.2  Payment of Consideration. The purchase price shall be paid as
follows:

            1.  $30,000 shall be paid in cash or cash equivalents at closing
               ($20,000 has been paid as earnest money with the remaining
                balance of $10,000 to be paid at closing).

            2.  $30.000 has been paid to and received by Seller as part of the
                compensation due under the preliminary draft of the Seller's
                engagement agreement, dated May 1, 2000.

            3.  Four equal payments of $12,500.00 commencing on Jan. 1, 2001
                and continuing every three months until the last payment is
                due on December 31, 2001.

            4.  20,000 shares of Why USA Financial Group, Inc. common stock
                shall be paid to Seller as and for the balance of the purchase
                price.  These shares shall be delivered to Seller upon the
                successful completion of the term of the two year engagement
                contract. A true and correct copy of the Engagement Contract
                is attached hereto as Exhibit C and the terms thereof are
                incorporated into this provision by reference.

                                  ARTICLE 3
                        ASSUMPTION OF  OF LIABILITIES

     3.1 Limitation on Assumption of Liabilities.  Seller shall transfer the
Assets to the Buyer free and clear of all liens and encumbrances.  Buyer shall
not, by virtue of its purchase of the Assets, assume or become responsible for
any liabilities or obligations of the Seller except as stated herein.

                                  ARTICLE 4
                                   CLOSING

     Subject to the conditions contained herein, the Closing of the
transactions to be effected hereunder (the "Closing") shall be held at such
location as is mutually agreed upon in writing by the Buyer and the Seller.
The closing shall occur an September 21st, 2000 (the "Closing Date").

                                  ARTICLE  5
                       REPRESENTATIONS AND WARRANTIES

      Seller hereby represents and warrants with the intention that Buyer
shall rely thereon in performing hereunder, as follows:

     5.1  Authority. Seller has the authority to sell the subject assets.
Buyer agrees, however, that Seller cannot assign its lease without permission
of the Landlord.

     5.2  Title to Assets.  Seller holds title to the Assets free and clear of
all liens, encumbrance.

                                 ARTICLE 6
             CONDUCT IN TRANSACTIONS OF BUSINESS PRIOR TO CLOSING

     6.1  Conduct Of Business.  From the date hereof,  Seller agrees that its
business will be conducted in the ordinary course of its business.

     6.2 Seller shall turn over to Buyer possession of the business and all
operations thereof immediately upon closing.

     6.3 Announcements. Buyer and Seller agree not to make any announcements
or other public disclosure of the terms of the transaction contemplated by
this Agreement unless first mutually agreeing to do so.

                                  ARTICLE  7
               EXECUTION OF SUBLEASE, LEASE ASSIGNMENT AGREEMENT

     The Parties agree that the parties will work to continue all existing
leases and contracts associated with the subject business location. The
parties will execute all documents necessary to complete the transaction.

                                  ARTICLE 8
                               INDEMNIFICATION

     8.1 Indemnification by the Seller. The Seller covenants and agrees with
the Buyer that the Seller shall pay and perform, and shall indemnify the
Buyer, and hold the Buyer harmless from and against any and all costs, losses,
claims, liabilities, damages and expenses (including reasonable attorney fees)
resulting from, arising out of, or incurred in connection with all liabilities
or claims relating directly or indirectly to the Assets or the business of
Seller which arise out of the events existing or occurring at any time before
the Closing.

     8.2 Indemnification by the Buyer. The Buyer covenants and agrees with the
Seller that the Buyer shall pay and perform and shall indemnify the Seller,
and hold the Seller harmless from and against any and all costs, losses,
claims, liabilities, damages and expenses, (including reasonable attorney
fees) resulting from, arising out of, or incurred in connection with
liabilities or claims relating directly or indirectly to the Assets or the
business of Buyer which arise out of events existing or occurring at any time
on or after the Closing.

                                  ARTICLE 9
                                MISCELLANEOUS

     9.1  Entire Agreement.  This Agreement (including Exhibits) supersedes
all prior agreements and understandings, oral and written, between the parties
hereto, with respect to the subject matter hereof and cannot be changed or
terminated orally, and this Agreement together with related agreements
executed in connection herewith, constituting the entire agreement of the
parties as to the matters set forth herein and therein.

     9.2 Amendments. No amendments or waiver of any provisions of this
Agreement or any document referred to herein or contemplated hereby, shall be
effective unless the same shall be in writing and signed by all the parties
and then such waiver shall only be effective in the specific instance and for
specific purpose for which it was given.

     9.3  No Warranties, Sale "As Is".  Except as expressly stated in this
Agreement, the Seller makes no other warranties or representations expressed
or implied.  The  Buyer acknowledges that the Buyer is entering into this
Agreement and will be purchasing and the Assets and subleasing the Premises
after and in complete reliance upon Buyer's own inspection the Assets being
sold under this Agreement and the Premises being subleased. Buyer is acquiring
the Assets and subleasing the Premises on an "as is" basis without
representation or warranty, expressed or implied, of any kind whatsoever, by
Seller or any person or entity on behalf of Seller regarding the physical
condition of the Assets or Premises, the income producing value of the Assets
or the prior business of the Seller at the Business or regarding any other
matter relating to the condition or value of the Assets or Premises or their
fitness for any particular use.

     9.4 Remedies. In the event Buyer shall default under this Agreement, then
and in that event Seller may terminate this Agreement and upon such
termination Seller may retain the earnest money as liquidated damages, time
being at the essence of this Agreement.  This provision shall not deprive
either party of the lights of enforcing the specific performance of this
Agreement or avail itself of any other remedy for default which said party may
have at law, in equity or by statute.

     9.5 Notices.  Any notice, request, demand, or other communication
permitted hereunder shall be deemed duly given if delivered or mailed postage
prepaid, certified or registered, at the addresses as set forth below.

       If to Buyer:                Donald Riesterer
                                   c/o Why USA Financial Group. Inc.
                                   2801 Wayzata Blvd.
                                   Suite 203
                                   Minneapolis MN 55405

       If to                       Seller Diane Butts
                                   300 North River Street
                                   Janesville, WI 53545

     9.6 Successors and Assigns. This Agreement shall be binding upon and
shall inure to the benefit of the parties and their respective successors and
pertained assigns. Except as provided herein, no party shall assign its
rights or obligations hereunder without the prior written consent of all the
other parties.

     9.7 Controlling Law.  This Agreement has been made under the laws of the
State of Minnesota and such laws will control its interpretation.

     9.8  Captions.  Captions to paragraph headings or captions appearing in
this Agreement are for convenience only and are not a part of this Agreement
and are not to be considered in interpreting this Agreement.

      9.9 Counterparts.  This Agreement may be executed in one or more
counterparts, each of which shall be deemed to bee an original and all of
which shall constitute one in the same agreement.

      9.10 Joint and Several Liability. If Buyer is composed of more than one
signatory to this Agreement, each signatory will be jointly and severally
liable with each other signatory for the payment and performance of all of the
terms and conditions of this Agreement.  The act of written notice to, written
notice from, refund to, or signature of any signatory to this Agreement
including, without limitation modifications of this Agreement made by fewer
than all

<PAGE>
the notice of refund, or signed.

                                  SIGNATURES

     Each of the parties has caused this Agreement to be executed by the
undersigned, its duly authorized officer as of the daft first above written.

                                    SELLER:
DATED 9-25-00                       DIANE AND ASSOCIATES REAL ESTATE, INC.
     ---------
                                    /s/ Diane Butts
                                       --------------------------
                                    By: Diane Butts, President

                                    BUYER:
DATED 9-25-00                       ADVANTAGE REALTY OF JANESVILLE, INC.
      --------
                                    /s/ Donald Riesterer
                                        ----------------------------
                                    By: Donald Riesterer, President

By: Dowd Neqaer, PresWut

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