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                                                         EXHIBIT 10.20

          AMENDMENT TO VESTING SCHEDULE OF PREVIOUSLY APPROVED
                    SUPPLEMENTAL RETIREMENT BENEFITS

                  Approved by the People Committee of
            Pharmacia Corporation (f/k/a Monsanto Company),
                           October 23, 1997

VESTING SCHEDULE FOR OTHER SERPS

Establish vesting of benefits at 50% after five years and 10% for each
year thereafter.  If terminated other than for cause, vesting will be
10% for each year of employment.

Bob Shapiro and Virginia Weldon are fully vested.

Proration will apply to Bob Hoffman (employed April 1, 1994), Phil
Needleman (employed February 1, 1989) and Steve Engelberg (employed
January 17, 1994).March 30, 2000

RNM 135 Main, L.P.
C/o La Salle Partners
135 Main Street, Suite 1140
San Francisco, CA 94105
Attn:  Mr. John McNulty

RE:    LEASE  AGREEMENT DATED NOVEMBER 15, 1990, AS AMENDED (THE "LEASE") BY AND
       BETWEEN RNM 135 MAIN, L.P., A CALIFORNIA LIMITED PARTNERSHIP SUCCESSOR IN
       INTEREST TO WEBB/SAN FRANCISCO VENTURE,  LTD. ("LANDLORD") AND CALIFORNIA
       FEDERAL  BANK,  A FEDERAL  SAVINGS  BANK  SUCCESSOR  IN INTEREST TO FIRST
       NATIONWIDE  BANK, A FEDERAL  SAVINGS BANK ("TENANT") FOR 135 MAIN STREET,
       SAN FRANCISCO, CA, FLOORS 3-8 & 20, SUITE 1030 & 1120 AND PORTIONS OF THE
       BASEMENT AND GROUND FLOOR AS MORE SPECIFICALLY DESCRIBED IN THE LEASE.

Dear Mr. McNulty:

By this letter,  Tenant hereby  notifies  Landlord that Tenant  irrevocably  and
unconditionally  exercises  its  option to extend  the Term of the Lease for the
first five year Renewal Term for all of the premises  presently leased by Tenant
at 135 Main Street, San Francisco,  specifically,  Floors 3 through 8 inclusive,
Floor 20,  Suites 1030 & 1120 and  portions of the basement and the Retail Space
as more  specifically  described in the Lease (the  "Premises"),  as well as all
eight (8) of the parking stalls currently leased by Tenant.

The Minimum Rent payable  during the Renewal Term for all of the Premises  other
than the Parking shall be as stated on the attached Exhibit "A", which is 95% of
the Fair Market  Rental Rate as  determined  under the terms of Paragraph 20b of
the Lease by Mark  McGranahan  (the "Third  Expert") in his letters dated May 3,
2000 and May 4, 2000, respectively.

Please send us a letter acknowledging your receipt of this letter.

Sincerely,

California Federal Bank

     /s/Charles W. Kay
--------------------------------
        Charles W. Kay
        Senior Vice President

cc:    Rayburn Tucker
       Edward Murphy, Esq.
       Michael Fleishman, Esq.
       Helen Sedwick, Esq.AMENDMENT NO. 1

                                     TO THE

                       AGREEMENT FOR PROVISION OF SERVICES

     THIS  AMENDMENT  NO. 1 TO THE  AGREEMENT  FOR  PROVISION  OF SERVICES  (the
"Amendment")  is  entered  into as of  January 1,  2000,  by and  between  MAFCO
HOLDINGS  INC., a Delaware  corporation  ("Mafco") and GOLDEN STATE BANCORP INC.
("GSB"),  a  Delaware  corporation,  in  reference  to the  following  facts and
understandings:

     WHEREAS, GSB and its subsidiaries have continuously  benefited from certain
services provided by Mafco for the benefit of GSB and its subsidiaries  pursuant
to the  Agreement  for  Provision  of Services  dated as of January 1, 1999 (the
"Agreement").

     WHEREAS,  GSB and Mafco desire to extend the term of the Agreement  through
December 31, 2001.

     NOW  THEREFORE,  in  consideration  of the  foregoing,  and of their mutual
covenants herein,  and intending to be legally bound thereby,  the parties agree
as follows:

     1. TERM OF AGREEMENT.  The term of the Agreement shall be extended  through
        -----------------
and including December 31, 2001.

     2. FULL FORCE AND EFFECT. Except as specifically amended by this Amendment,
        ---------------------
all other terms and  conditions of the Agreement  shall remain in full force and
effect.

     IN WITNESS WHEREOF,  the parties have executed this Amendment by their duly
authorized officers effective on the date first written above.

MAFCO HOLDINGS INC.,                            GOLDEN STATE BANCORP INC.,
a Delaware corporation                          a Delaware corporation

By:    /s/ Glenn P. Dickes                  By:     /s/ Eric K. Kawamura
   ------------------------------              ---------------------------------
           Glenn P. Dickes                              Eric K. Kawamura
           Senior Vice President                        Senior Vice PresidentEXHIBIT 10.21

[GRAPHIC OMITTED]

                          Consulting Services Agreement

     This Consulting  Services  Agreement (the "Agreement") is entered this 15th
day of November,  2000 by and between World of Internet.com AG  (Consultant),  a
German  corporation and Power Kiosks Inc.  (Client),  a US corporation,  (ticker
symbol PWKK.OB) with reference to the following:

                                    RECITALS

   A. The Client  desires to be assured of the  services  of the  Consultant  in
order  to  avail  itself  of the  Consultant's  experience,  skills,  knowledge,
abilities and background to facilitate the research  editing and production of a
corporate research report;  financial analysis and evaluation;  and introduction
to  investors,  securities  dealers and  investment  bankers in Europe and other
financial centers. The Client is therefore willing to engage the Consultant upon
the terms and conditions set forth herein.

   B.   The Consultant agrees to be engaged and retained by the Client  upon the
terms and conditions set forth herein.

   NOW THEREFORE,  in  consideration  of the foregoing,  of the mutual  promises
herein set forth and for other good and valuable consideration,  the receipt and
sufficiency of which are hereby acknowledged, the parties agree as follows:

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   1. Engagement. Client hereby engages Consultant on a non-exclusive basis, and
Consultant  hereby  accepts  the  engagement  to  become an  investor  relations
consultant to the Client for a period of three months and to render such advice,
consultation, information and services to the Client regarding general financial
and business matters including, but not limited to:

A.   Researching, editing and generating a company profile and research report.

B.   Featuring  and  hosting  the  company   profile  and  research   report  on
     www.stockreporter.de , a European financial Internet publication.

C.   Technical   chart   analysis  of  the  Client's  share  price  history  and
     development.

D.   Editing and posting of  corporate  updates  including  press  releases,  if
     applicable, on www.stockreporter.de during the three month engagement

E.   Preparation of an application for a listing of the Client's common stock on
     a major  European stock exchange and  introduction  to European  securities
     dealers,  if Client so desires.  Client  understands that Consultant cannot
     guarantee  that  Client's  securities  will be listed  for  trading  on any
     exchange because the decision to list securities for trading rests with the
     exchange itself. In the event the exchanges denies the Client's application
     for listing, Client shall not be entitled to a refund of cash or stock paid
     under this Agreement.

F.   Internet Strategy Consulting Services.

It shall be expressly  understood  that  Consultant  shall have no power to bind
Client to any  contract or  obligation  or to transact  any business in Client's
name or on behalf of Client in any manner.

   2. Term.  The term  ("Term")  of this  Agreement  shall  commence on the date
hereof and continue  for three (3) months from the date the  Client's  corporate
profile is posted on  www.stockreporter.de  The  Agreement  may be extended upon
agreement by both parties, unless or until the Agreement is terminated.

   3.   Engagement Fee.  As  consideration  for  Consultant  entering  into this
Agreement, Client and Consultant agree to the following:

A.   An Engagement Fee ("Engagement Fee") of one hundred seventy-three  thousand
     seven hundred fifty dollars  ($173,750.00) payable to the Consultant on the
     date hereof.

B.   The Engagement Fee will be satisfied by: (1) a delivery of a certificate(s)
     representing  an aggregate  of forty  thousand  eight-hundred  two (40,882)
     shares of common  stock of Client  (the  "Shares")  at a price of $4.25 per
     share, to be delivered to Consultant  prior to the posting of the corporate
     profile   on   www.stockreporter.de   (please   see   electronic   delivery
     instructions). The Shares will be freely tradable, duly authorized, validly
     issued  and  outstanding,  fully  paid  and  nonassessable  and will not be
     subject to any liens or encumbrances.

     [For publicly  traded  companies:  The shares  issued under this  paragraph
     shall be freely tradable in the U.S. securities markets and shall have been
     the subject of a  previously  filed  registration  statement  with the U.S.
     Securities and Exchange Commission  ("SEC").  Company represents that as of
     the date of this  Agreement  it is current in all of its  filings  with the
     SEC.  Company  agrees to remain  current in its filings with the SEC during
     the term of this  Agreement and for a period of twelve months after the end
     of the term of this Agreement.]

     [For  private  companies:  If at any time or from time to time,  the Client
     shall  determine  to  register  any of its  securities,  either for its own
     account or the account of any other security holder or holders  ("Holders")
     on a  registration  statement  under the U.S.  Securities  Act of 1933 (the
     "Act"),  the Company  will (i)  promptly  give  Consultant  written  notice
     thereof;   and  (ii)  include  in  such   registration   (and  any  related
     qualifications  under  blue  sky  laws  or  other  compliance)  and  in any
     underwriting involved therein.]

   4.  Exclusivity;  Performance;  Confidentiality.  The services of  Consultant
hereunder  shall not be  exclusive,  and  Consultant  and its agents may perform
similar or different  services for other persons or entities whether or not they
are competitors of Client. Consultant shall be required to expend only such time
as  is  necessary  to  service  Client  in  a  commercially  reasonable  manner.
Consultant  acknowledges and agrees that  confidential and valuable  information
proprietary to Client and obtained  during its  engagement by the Client,  shall
not be,  directly or  indirectly,  disclosed  without the prior express  written
consent of the Client,  unless and until such  information is otherwise known to
the public  generally  or is not  otherwise  secret and  confidential.  All such
confidential  information  provided to Consultant by Client shall be clearly and
conspicuously  marked  with the word  "Confidential."  Consultant  may  disclose
Client's  confidential  information pursuant to applicable law or regulations or
by  operation  of law,  provided  that the  Consultant  may  disclose  only such
information as is legally required.

   5. Independent Contractor.  In its performance hereunder,  Consultant and its
agents  shall  be an  independent  contractor.  Consultant  shall  complete  the
services  required  hereunder  according  to its own means and  methods of work,
shall be in the exclusive  charge and control of Consultant  and which shall not
be subject to the control or supervision of Client,  except as to the results of
the work and as otherwise  requested.  Client  acknowledges that nothing in this
Agreement shall be construed to require Consultant to provide services to Client
at any specific  time,  or in any  specific  place or manner,  unless  otherwise
mutually  agreed.  Payments  to  consultant  hereunder  shall not be  subject to
withholding  taxes or  other  employment  taxes  as  required  with  respect  to
compensation paid to an employee.

   6.  Termination.  At the end of the  three  month  Term  of  this  Agreement,
Consultant,  at its option,  may either remove  Client's  corporate  profile and
research  report from the  www.stockreporter.de  web site or indicate on the web
site that Client's  corporate  profile and research  report is over three months
old and should not be relied upon in making investments decisions.

   7. Miscellaneous.  No waiver of any of the provisions of this Agreement shall
be deemed or shall  constitute  a waiver  of any other  provision  and no waiver
shall constitute a continuing waiver. No waiver shall be binding unless executed
in writing by the party  making the  waiver.  No  supplement,  modification,  or
amendment of this Agreement  shall be binding unless  executed in writing by all
parties except as permitted by Paragraph 8 below. This Agreement constitutes the
entire  agreement  between the parties and  supersedes  any prior  agreements or
negotiations.

   8. Jurisdiction. By excluding any other feasible place of legal jurisdiction,
the place of legal  jurisdiction is herewith agreed to be the Free and Hanseatic
City of Hamburg,  Germany; for any dispute between the parties arising from this
contractual agreement, German law applies exclusively.

   9. Rights  Reserved.  Consultant  reserves the right to modify this Agreement
without  prior  notification  to  Client  if the  price of the  Client's  shares
decrease  on any stock  exchange  of more than 30%,  prior to the posting of the
Client's corporate profile on Stockreporter.de.

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   IN WITNESS  WHEREOF,  the parties  hereto have entered into this Agreement on
the date first written above.

Power Kiosks Inc.

By: /s/ Terry Cooke
---------------------------
 Terry Cooke, President & CEO

World Of Internet.Com AG
Sandtorkai 70
20457 Hamburg
Germany

By: /s/Torsten Prochnow
-------------------------
  Torsten Prochnow, CSO             (A.S.O.)

By: /s/Dennis C. Hass
-------------------------
 Dennis C. Hass, CCO                (A.S.O.)

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