Document:

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                                  EXHIBIT 10.5

               JOB TRAINING PARTNERSHIP ACT ("JTPA") OFF-THE-SHELF
                        VENDOR/VOUCHER TRAINING AGREEMENT
                               DATED JULY 1, 1999

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                     STANDARD TERMS AND CONDITIONS FOR JTPA
                 OFF-THE-SHELF VENDOR/VOUCHER TRAINING CONTRACTS

         DEFINITIONS.

         For purposes of this Agreement, including all Exhibits thereto, the
following definitions shall govern its interpretation. In the event of any
omission or conflict in the definition or interpretation of any term defined
herein, the parties agree that such term or interpretation shall be made in a
manner consistent with said terms as defined or explained in the Job Training
Partnership Act (29 USC Section  1501, et seq), as amended, or implementing
regulations.

         "ACT" OR "JTPA" shall mean the Job Training Partnership Act (29 USC
Section 1501 et seq.), as amended, and implementing regulations (20 CFR Section
626 et seq.), as amended.

         "AGREEMENT" shall mean the agreement by and between the Contractor and
the County of Los Angeles, which agreement shall include the main document and
all exhibits referenced thereto within the Agreement.

         "ALLOWABLE COSTS" shall have the same meaning as that provided in 20
CFR Section  627.435.

         "CLASSROOM TRAINING" shall include competency based training conducted
in an institutional setting for vocational education which is designed to
provide individuals with the technical skills and information required to
perform a specific job or group of jobs.

         "CLIENT" OR "PARTICIPANT" shall have the same meaning as that provided
in 20 CFR Section  626.5.

         "COMMERCIALLY AVAILABLE OFF-THE-SHELF TRAINING PACKAGE" shall mean a
training package sold or traded to the general public in the course of normal
business operations, at prices based on established catalog or market prices.
(20 CFR Section  626.5)

         "CONTRACTOR" shall mean the agency or individual contracting with the
County of Los Angeles under the terms of this Agreement.

         "COUNTY" shall mean the County of Los Angeles, a recipient of federal
job training funds through the California Employment Development Department.

         "DOL" shall mean the United States Department of Labor, including
without limitation, its Employment and Training Division and other divisions and
units administering the Act.

         "DOT CODES" shall mean the nine-digit Dictionary of Occupational Titles
("DOT") codes designating a job or occupational title. DOT Codes are available
at EDD offices or at a public library.

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         "EDD" shall mean the Employment Development Department of the State of
California, including its Employment and Training Division and other divisions
and units administering the Act.

         "EMPLOYMENT & TRAINING DIRECTOR" shall mean the Employment and Training
director of the County of Los Angeles.

         "ISS" shall mean an individual service strategy which shall have the
same meaning and limitations as set forth in 20 CFR Section  628.520.

         "OBJECTIVE ASSESSMENT" shall have the same meaning and limitations as
set forth in 20 CFR Section  628.515.

         "PIC" shall mean the Private Industry Council of the County of Los
Angeles, organized and existing pursuant to the Act.

         "STAND-IN COSTS" shall mean cost paid from non-federal sources that are
proposed to be substituted for federal costs that have been disallowed as a
result of an audit or other review. Limitations to use of stand-in costs are set
forth in 20 CFR Section  626.5.

         "SUPPORTIVE SERVICES" shall mean services which are necessary to enable
an individual eligible for training under the JTPA, but who cannot afford to pay
for such services, to participate in a training program funded under the Act.
Such supportive services may include transportation, health care, financial
assistance drug and alcohol abuse counseling and referral, individual and family
counseling, special services and materials for individuals with disabilities,
job coaches, child care and dependent care, meals, temporary shelter, financial
counseling, and other reasonable expenses required for participation in the
training program and may be provided in-kind or through cash assistance.

          ASSURANCES/CERTIFICATIONS.

     The Contractor provides the following assurances and certifications, and
agrees to the following terms:

               COMPLIANCE WITH LAWS.

                  The Contractor certifies and agrees that it will fully comply
with all applicable requirements of the JTPA, all State and federal regulations
issued pursuant to the Act, and all applicable ordinances, rules, policies,
directives, and procedures for which the Contractor is provided actual or
constructive notice. The County reserves the right to review the Contractor's
procedures to ensure compliance with the statutes, ordinances, regulations,
rules, rulings, policies and procedures of the State and the federal government.

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                  The Contractor certifies and agrees that it shall comply with
all applicable federal, State and local laws, rules, regulations, ordinances,
and directives, and all provisions required to be included in this Agreement are
incorporated by this reference. The Contractor shall indemnify and hold the
County harmless from any loss, damage or liability resulting from a violation by
the Contractor, its agents, officers and employees of any such laws, rules,
regulations, ordinances, and directives.

                  DEBARMENT AND SUSPENSION. The Contractor certifies that it has
not been subject to debarment and suspension and will immediately inform the
County of any future debarment or suspension. Said certification, which shall be
in the form attached hereto as Exhibit A-1, shall be submitted to the County no
later than execution of this Agreement by Contractor.

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                  RELOCATION.

                  The Contractor certifies that no funds, materials, property or
services provided directly or indirectly under the terms of this Agreement shall
be used, or proposed for use, to encourage or to induce the relocation of an
establishment to a new labor market area that results in loss of employment of
any employee of the company at the original site. The contractor further
certifies that funds shall not be used to assist in relocating a company for the
first 120 days after commencement of operations.

                  If Contractor has relocated within the last 120 days of the
effective date of this Agreement, Contractor shall certify that such relocation
has not resulted in the loss of employment for any employee at the original
location. Said certification, which shall be in the form attached hereto as
Exhibit A-2, shall be submitted to the County no later than execution of this
Agreement by the Contractor.

                  DUPLICATION OF SERVICES.

                  The Contractor assures that Pell, SEOG and/or other federal,
State, or local grants available to the student and JTPA funds will not be
obligated, authorized or used for the same expenses.

                  The Contractor shall fully disclose to the JTPA Client the
total financial obligations of the training, the investment being made by JTPA,
grants, Work Study, and any and all other contributions to the education of the
client. The contractor will furnish a copy of the written disclosure to the
County.

                  Should there be a financial aid package developed and
supported by the Contractor for the JTPA Client, it may include student loans
so long as there is documentation that the JTPA client is informed in writing
that JTPA funds will not be available to repay the loans. The client must
further be informed that the decision to secure a student loan is an
independent act of the client and not a part of the authorized JTPA
commitment. Involuntary and/or duplicative loans are deemed to violate the
JTPA.

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                  ADMINISTRATIVE AND PERSONNEL PROCEDURES. Contractor warrants
that it has adopted, shall retain, and make available upon request from the
County, the following documents and amendments thereto:

                  Contractor's financial and accounting procedures, which
incorporate Generally Accepted Accounting Principles (GAAP). Contractor shall
also adhere to applicable requirements of OMB Circular A-128 and A-133.

                  Contractor's personnel policy, which incorporates due process
protection of standard personnel procedures, and which the Contractor agrees to
abide by in the performance of this Agreement.

                  A grievance procedures available to participants which is
consistent with applicable JTPA rules and regulations (e.g., 20 CFR 627.504).

                  OTHER AGREEMENTS.

                  A copy of any agreements between the Contractor and other
public or private organizations which directly impact activities funded under
this Agreement shall be kept on file at the Contractor's offices and shall be
provided to the County upon request. The Contractor shall also notify the County
of any default, termination, or finding of disallowed costs under these
agreements.

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                  The Contractor warrants that no other funding source will be
billed for services that are provided and paid for by the County under this
Agreement.

                  EEO/AFFIRMATIVE ACTION. The Contractor, in performing all
obligations under the terms of the Agreement, assures that it will administer
the program with safeguards against fraud and abuse as set forth in the Act and
JTPA regulations; that no portion of this Agreement will in any way discriminate
against, deny benefits to, deny employment to, or exclude from participation any
person on the grounds of race, color, national origin, religion, sex, handicap,
or political affiliation or belief.

                  NONDISCRIMINATION IN EMPLOYMENT.

                  The Contractor certifies that all persons employed by the
Contractor, its affiliates, subsidiaries, or holding companies are and will be
treated equally without regard to race, religion, ancestry, national origin,
sex, age, condition of physical disability, marital status or political
affiliation, and in compliance with all applicable federal and State
anti-discrimination laws, regulations, and directives.

                  The Contractor shall take affirmative action to ensure that
qualified applicants are employed and that employees are treated during
employment without regard to race, religion, ancestry, national origin, sex,
age, condition of physical disability, marital status or political affiliation.
Such action shall include, but not be limited to the following: employment,
upgrading, demotion, transfer, recruitment or recruitment advertising, layoff or
termination, rates of pay or other forms of compensation and selection for
training, including apprenticeship.

                  The Contractor shall deal with its subcontractors, bidders, or
vendors without regard to race, religion, ancestry, national origin, sex, age,
condition of physical disability, marital status or political affiliations.

                  The Contractor shall allow County representatives access to
its employment records during regular business hours to verify compliance with
the provisions of this Agreement when the County requests. If the County finds
that any of these provisions have been violated,

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such violation shall constitute a material breach upon which the County may
terminate or suspend this Agreement. While the County retains the right to
determine independently that the anti-discrimination provisions of this
Agreement have been violated, in addition, any determination by the
California Fair Employment and Housing Commission or the federal Equal
Employment Opportunity Commission that the Contractor has violated State or
federal anti-discrimination laws or regulations shall also constitute a
finding by the County that the Contractor has violated the
anti-discrimination provision of this Agreement.

                  CIVIL RIGHTS LAWS. The Contractor assures and certifies that
it shall comply with all applicable federal and State statutes to the end that
no person shall, on the grounds of race, religion, ancestry, national origin,
sex, age, condition of physical disability, marital status or political
affiliation, be excluded from participation in, be denied the benefits or, be
otherwise subjected to discrimination under this Agreement or under any project,
program or activity supported by this Agreement.

                  WAGE AND HOUR LAWS. The Contractor shall indemnify, defend,
and hold harmless the County, its agents, officers and employees from any and
all liability including, but not limited to, wages, overtime pay, liquidated
damages, penalties, court costs, and attorneys' fees arising under any wage and
hour law including, but not limited to, the federal Fair Labor Standards Act, as
amended, for

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services performed by the Contractor's employees for which the County may be
found jointly or solely liable.

                  SAFETY AND WORKING CONDITIONS. Applicable local, State and
federal health and safety standards shall be observed. If a JTPA participant or
Contractor employee is in a position not covered under the Occupational Health
and Safety Act of 2070, as amended (29 USC Section 651 ET SEQ.), Contractor
assures that such participant or employee will not be required or permitted to
work, be trained, or receive services under working conditions which are
unsanitary, hazardous or otherwise detrimental to the person's health or safety.

                  EMPLOYMENT ELIGIBILITY VERIFICATION.

                  The Contractor warrants and certifies that it fully complies
with all federal, state and local statutes, ordinances, and regulations
regarding the employment eligibility of aliens and others, and that all persons
performing services under the Agreement are eligible for employment in the
United States.

                  The Contractor shall indemnify, defend and hold the County
harmless from any employer sanctions or other liability which may be assessed
against the County by reasons of the Contractor's failure to comply with the
foregoing.

                  The Contractor represents that it has secured and retained all
required documentation verifying employment eligibility of its personnel. The
Contractor shall secure and retain verification of employment eligibility from
any new personnel and, to the extent applicable, JTPA Clients participating in
or receiving services under this Agreement, in accordance with applicable
provisions of law.

                  DRUG FREE WORKPLACE COMPLIANCE. The Contractor hereby warrants
and certifies that it shall comply with California Drug-Free Workplace Act of
2090 (CAL. GOV. CODE SECTION 8350 ET SEQ.), as amended, including provision of
the requisite certification as set forth therein.

                  CONFLICT OF INTEREST/CONTRACTS PROHIBITED.

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                  The Contractor represents and warrants that no county employee
whose position enables him/her to influence the award of this Agreement, and no
spouse or economic dependent of such employee, is or shall be employed in any
capacity by the Contractor, or shall have any direct or indirect financial
interest in this Agreement.

                  The Contractor represents and warrants that it is aware of,
and its authorized officers have read, the provisions of Los Angeles County Code
Chapter 2.180 entitled "Contracting With Current or Former County Employees,"
and that execution of this Agreement will not violate those provisions. Anyone
who is a former employee of the County at the time of execution of this
Agreement or who subsequently becomes affiliated with the Contractor in any
capacity shall not participate in the provision of Services provided under this
Agreement or share in the profits of Contractor earned for a period of one year
from the date he/she separated from County employment.

                  LOBBYING.

                  The Contractor certifies that none of the funds, materials,
property or services provided directly or indirectly under the terms of this
Agreement shall be used for or to promote any partisan or non-partisan political
activity; support or defeat any pending legislation or administrative
regulation; or for any sectarian purpose or activity.

                  The Contractor certifies that each County lobbyist as defined
in Los Angeles County Code Section 2.160.010, retained by Contractor, shall
fully comply with the County Lobbyist Ordinance, Los Angeles County Code Chapter
2.160. Failure on the part of any County lobbyist retained by Contractor to
fully comply with the County Lobbyist Ordinance shall constitute a material
breach of this Agreement upon which County may immediately terminate or suspend
this Agreement.

                  LEGAL AUTHORITY.

                  The Contractor gives assurance and certifies that it possesses
the legal authority to execute the proposed program, that a resolution, motion,
or similar action has been duly adopted

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or passed as an official act of the Contractor's governing body, authorizing
receipt of the funds, and directing and designating the authorized
representative(s) of the Contractor to act in connection with the program
specified and to provide such additional information as may be required by
the County, State, or any agency of the federal government.

                  The Contractor represents and warrants that its signatory to
this Agreement is fully authorized to obligate or otherwise bind the Contractor.

                  LIMITATION ON CORPORATE ACTS. The Contractor shall not amend
its articles of incorporation or bylaws, move to dissolve or transfer any assets
derived from funds provided under Section 3 of the foregoing Agreement, or take
any other steps which may materially affect the performance of this Agreement
without first notifying the County in writing. The Contractor shall notify the
County immediately in writing of any change in the Contractor's corporate name.

                  TERMINATION FOR IMPROPER CONSIDERATION. County may, by written
notice to Contractor, immediately terminate the right of Contractor to proceed
under this agreement if it is found that consideration, in any form, was offered
or given by Contractor, either directly or through an intermediary, to any
County officer, employee or agent with the intent of securing the Agreement or
securing favorable treatment with respect to the award, amendment or extension
of the Agreement or the making of any determinations with respect to the
Contractor's performance pursuant to the Agreement. In the event of such
termination, County shall be entitled to pursue the same remedies against
Contractor as it could pursue in the event of default by the Contractor.

         Contractor shall immediately report any attempt by a County officer or
employee to solicit such improper consideration. The report shall be made either
to the County manager charged with the supervision of the employee or to the
County Auditor-Controllers Employee Fraud Hotline at (213) 974-0914 or (800)
544-6861.

         Among other items, such improper consideration may take the form of
cash, discounts, service, the provision of travel, entertainment, or tangible
gifts.
         PROVISION OF SERVICES

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                  SERVICES. The Contractor shall perform all Services under the
terms of this Agreement in accordance with the Statement of Work, attached to
the Agreement as Exhibit B and incorporated herein by this reference, at a level
of performance as determined by the County.

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                  NON-AUTHORIZED PARTICIPANTS. The Contractor agrees that all
costs incurred which are related to a participant who is enrolled without
written authorization from the County prior to enrollment shall be the sole
responsibility of the Contractor.

                  PARTICIPANT COMPLETION. The Contractor shall provide each
participant who completes the program a certificate of successful completion and
competency achievement and maintain copies of completed and scored tests
described in Exhibit C (Completion Competencies) in participant files.

                  JOB PLACEMENT. The Contractor shall provide placement services
to JTPA participants that are comparable to services provided to all other
Contractor students.

                  Placement wages must, at a minimum, be:

-    $7 per hour for training costs of $3,000 or less;
-    $8 per hour for training costs of $3,001 - $4,000;
-    $9 per hour for training costs of $4,001 - $5,000;
-    $10 per hour for training costs of $5,001 - $6,000;
-    $11 per hour for training costs of $6,001 - $7,000, etc.

               PARTICIPANT TERMINATION. The Contractor agrees to fully comply
with the following procedures involving participant termination from the program
services offered under the terms of this Agreement (except when such termination
results from training/course completion):

                  If a participant chooses to drop out of the program, an exit
interview will be held, if possible, to document the reason. The Contractor
shall advise the County Employment & Training Director or his designee, and the
appropriate referral entity in writing within two (2) business days of learning
of a participant's decision.

                  If the Contractor determines that a participant can no longer
benefit from the program, the Contractor shall firs notify the County Employment
& Training Director or his designee, and the appropriate referral entity.
Following such notification, the Contractor shall

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conduct an exit interview, providing information to the participant in
accessing other resources which may be available.

                  PERFORMANCE REVIEW. Contractor's performance shall be
reviewed quarterly by appropriate County staff and will be based on program
performance as set forth in Section  307 herein.

                  CONTRACTOR PERFORMANCE STANDARDS. Contractor shall AT MINIMUM
BE REQUIRED TO OBSERVE THE FOLLOWING STANDARDS:

                  JTPA clients are treated with courtesy and respect.

                  JTPA clients compared to other students, receive equal or
better training, counseling, and job placement assistance.

                  The Contractor organization screens prospective students and
accepts only those JTPA clients expected to complete the training and secure a
training related, unsubsidized job paying industry appropriate wages, benefits
and hours.

                  JTPA/County required documentation is accurate and timely,
including Contractor insurance documents, client attendance records, client
progress reports, MIS forms, Contractor invoices/vouchers, and placement
verification from employers.

                  95% of the JTPA clients enrolled SHALL complete the training.

                  80% of the JTPA clients who complete the training secure,
within 90 days of completion, a JTPA training-related, unsubsidized, full-time
job with appropriate wages, benefits, and hours.

                  The Contractor shall not use JTPA funds paid under the terms
of this Agreement in litigation against the County, the State, or DOL or other
federal agency, nor for any action or activity inconsistent with the JTPA or
federal JTPA regulation whatsoever.

                   FAILURE TO MEET THE CONTRACTOR PERFORMANCE

                   STANDARDS SHALL BE GROUNDS FOR TERMINATION.

                  TIME OF PERFORMANCE. The term of this Agreement shall be as
set forth in Section 4 of the foregoing Agreement, and any additional period of
time as is required to

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complete necessary close out activities, provided that said term is subject
to the provisions of Section 400, Section 600, and Section 800 herein.
Performance shall not commence until the Contractor has obtained the approval
of the Employment and Training Director of those certifications and
assurances set forth in Section 200, and those documents as specified in
Section 311.

                  ACTIVITIES PROHIBITED.

                  Funds, materials, property or services provided directly or
indirectly under the terms of this Agreement shall not be used for or to promote
any partisan or non-partisan political activity; support or defeat any pending
legislation or administrative regulation; or for any sectarian purpose or
activity.

                  No funds allocated under the terms of this Agreement shall be
used for public service employment.

                  No funds allocated or paid under the terms of this
Agreement shall be used for employment generating activities, economic
development activities, investment in revolving loan funds, capitalization of
businesses, investment in contract bidding resource centers, or similar
activities (including foreign travel for these activities). JTPA funds may be
used for normal employer outreach and job development activities as set forth
in 20 CFR Section  627.225.

                  No currently employed worker shall be displaced by any
participant (including partial displacement such as a reduction in the hours of
non-overtime work, wages, or employment benefits).

                  No participant shall be employed or job opening filled (1)
when any other individual is on layoff from the same or any substantially
equivalent job, or (2) when the employer has terminated any regular employee
without cause or otherwise reduced its workforce with the intention of filling
the vacancy so created by hiring a participant whose wages are subsidized under
the Act.

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                  GRIEVANCE PROCEDURES.

                  The Contractor also agrees that it will process all
complaint/grievances in accordance with its adopted grievance procedure, and
will disseminate a written copy of the procedures to all participants in the
normal course of providing Services under the terms of this Agreement. All
procedures must be exhausted at the local level in an effort to resolve a
complaint/grievance. The Contractor also assures and agrees that it will be
bound by decisions issued under the County's JTPA participant grievance
procedures.

                  The Contractor shall participate in and be bound by the
questioned and/or disallowed costs grievance procedures at the JTPA Service
Delivery Area level as set forth in relevant rules, policies and directives
issued by the County. Copies of this procedures shall be made available to the
Contractor upon request.

                  The Contractor shall assure continued performance of this
Agreement during any disputes.

                  CONDITIONS PRECEDENT TO EXECUTION OF AGREEMENT.  Except as
otherwise provided in writing by the County, prior to the execution of this
Agreement you must be an approved vendor in the Southern California Regional
Training Vendor Directory (RTVD). The following documents shall be on file with
South Bay Private Industry Council:

                  Contractor's Organizational/License Documents

                           Articles of Incorporation, including amendments
thereto, as filed with the Secretary of State.

                           Bylaws including amendments thereto, as adopted by
the Contractor and properly attested.

                           Resolutions of executorial authority or other
corporate actions of the Contractor's governing board, which specify the name(s)
of the person(s) authorized to obligate the Contractor and execute contractual
documents, if the authorized person is someone other than the Contractor's
corporate president. The name(s) and signature(s) of the authorized persons
shall also be provided in Section 5 of the foregoing Agreement.

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                           Fictitious Name Statement

                           Current and valid business licenses to conduct
business within the area covered by the Agreement.

                           Statement of business ownership

                           Nonprofit status letter from IRS [i.e., 501(c)(3)]
for nonprofit agencies.

                           IRS taxpayer identification number

                    Contractor's Administrative and Personnel Documents.

                           Two copies of the Contractor's catalog which shall
include the course curriculum/outline, fees and tuition rates, training schedule
and refund policy prior to the execution of this agreement. Any changes in a
program listed in the catalog, (e.g., tuition, additional tools, certificate)
shall be reported to the County within five (5) business days of such change.

                           A Classroom Training Information Summary (Exhibit D)
for the training occupation at the execution of this Agreement. This form shall
be attached to the Agreement and by this reference is included as part of the
Agreement. A copy of the Post Secondary Council Certificate to provide training
in the training occupation shown on the Classroom Training Information Summary
must be on file with the County.

                           Contractor's financial and accounting procedures, in
accordance with Section  205 herein.

                           Contractor's personnel policy, in accordance with
Section 205 herein.

                           Contractor's grievance procedure, in accordance with
Section  205 herein.

                  Certifications and Other Required Documents

                           Certification(s) by Council for Private Postsecondary
and Vocational Education (CPPVE), pertaining to facilities, curriculum, and/or
instructors. In the event of any changes in facilities, curriculum, and/or
instructor(s), or if renewals are required, the Contractor shall obtain CPPVE
certification for the changes and renewals and forward copies of same to the
County.

                           Certification regarding debarment, in accordance with
Section  202 herein.

                           If the Contractor has relocated within the last 120
days of the effective date of this Agreement, the Contractor shall certify, in a
form acceptable to the County, that such relocation has not resulted in the loss
of employment for any employee at the original location, in accordance with
Section 203 herein.

                           Proof of insurance as provided in Section  600
herein.

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                           A copy of any agreements between the Contractor and
other public or private organizations which directly impact the activities
funded under this Agreement, in accordance with Section 206 herein. Such
agreements shall include a record of any JTPA funding received in the last three
years, including funding agency, services provided, number of clients served,
and funding level.

                  INDEPENDENT CONTRACTOR STATUS. The Contractor shall at all
times be acting as an independent contractor. This Agreement is not intended,
and shall not be construed to create the relationship of agent, servant,
employee, partner, joint venture, or association, as between the County and the
Contractor. Contractor understands and agrees that all of Contractor's personnel
furnishing services to the County under this Agreement are employees solely of
the contractor and not of the County for purposes of workers' compensation
liability. The Contractor shall bear the sole responsibility and liability for
furnishing workers' compensation benefits to any Contractor personnel for
injuries arising from or connected with Services performed under this Agreement.

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<TABLE>
<CAPTION>
<S>                      <C>                                                                                        <C>
Section 100.             DEFINITIONS.................................................................................1

       Section 101.             "Act" or "JTPA" .....................................................................1
       Section 102.             "Agreement" .........................................................................1
       Section 103.             "Allowable costs" ...................................................................1
       Section 104.             "Classroom training" ................................................................1
       Section 105.             "Client" or "participant" ...........................................................1
       Section 106.             "Commercially available off-the-shelf training package" .............................1
       Section 107.             "Contractor".........................................................................1
       Section 108.             "County" ............................................................................1
       Section 109.             "DOL" ...............................................................................1
       Section 110.             "DOT Codes" .........................................................................1
       Section 111.             "EDD" ...............................................................................1
       Section 112.             "Employment & Training Director" ....................................................2
       Section 113.             "ISS" ...............................................................................2
       Section 114.             "Objective assessment" ..............................................................2
       Section 115.             "PIC" ...............................................................................2
       Section 116.             "Stand-in costs" ....................................................................2
       Section 117.             "Supportive services" ...............................................................2

Section 200.             ASSURANCES/CERTIFICATIONS...................................................................2

       Section 201.             Compliance with Laws.................................................................2
       Section 202.             Debarment and Suspension.  ..........................................................2
       Section 203.             Relocation...........................................................................3
       Section 204.             Duplication of Services..............................................................3
       Section 205.             Administrative and Personnel Procedures.  ...........................................3
       Section 206.             Other Agreements.....................................................................3
       Section 207.             EEO/Affirmative Action.  ............................................................4
       Section 208.             Nondiscrimination in Employment......................................................4
       Section 209.             Civil Rights Laws.  .................................................................4
       Section 210.             Wage and Hour Laws.  ................................................................4
       Section 211.             Safety and Working Conditions.  .....................................................5
       Section 212.             Employment Eligibility Verification..................................................5
       Section 213.             Drug Free Workplace Compliance.  ....................................................5
       Section 214.             Conflict of Interest/Contracts Prohibited............................................5
       Section 215.             Lobbying.............................................................................5
       Section 216.             Legal Authority......................................................................6
       Section 217.             Limitation on Corporate Acts.  ......................................................6
       Section 218.             Termination for Improper Consideration.  ............................................6

Section 300.             PROVISION OF SERVICES.......................................................................6

       Section 301.             Services.  ..........................................................................6

<PAGE>

       Section 302.             Non-Authorized Participants.  .......................................................7
       Section 303.             Participant Completion.  ............................................................7
       Section 304.             Job Placement.  .....................................................................7
       Section 305.             Participant Termination.  ...........................................................7
       Section 306.             Performance Review.  ................................................................7
       Section 307.             Contractor Performance Standards.  ..................................................7
       Section 308.             Time of Performance.  ...............................................................8
       Section 309.             Activities Prohibited................................................................8
       Section 310.             Grievance Procedures.................................................................9
       Section 311.             Conditions Precedent to Execution of Agreement.  ....................................9
       Section 312.             Independent Contractor Status.  ....................................................10

Section  400.  COMPENSATION.........................................................................................11
       Section  401.   COUNTY OBLIGATION............................................................................11
       Section  402.   TUITION REIMBURSEMENT........................................................................11
       Section  403.   PAY POINTS...................................................................................11
       Section  404.   ELIGIBLE COST................................................................................11
Section  500.  NONCOMPLIANCE SANCTIONS/PENALTIES....................................................................12
Section  600.  INDEMNIFICATION AND INSURANCE........................................................................12
       Section  601.   INDEMNIFICATION..............................................................................12
       Section  602.   INSURANCE....................................................................................12
Section 700.  AUDITS, REPORTS, RECORDS, & DOCUMENTATION.............................................................13
       Section  701.   MONITORING, EVALUATION, AND AUDIT............................................................13
       Section  702.   RECORDS AND REPORTS..........................................................................14
       Section  703.   REPORT RECONCILIATION........................................................................14
       Section  704.   PUBLIC RECORDS/CONFIDENTIALITY...............................................................15
Section 800.  TERMINATION...........................................................................................15
       Section  801.   TERMINATION FOR DEFAULT......................................................................15
       Section  802.   TERMINATION FOR CONVENIENCE..................................................................15
       Section  803.   TERMINATION FOR NON-APPROPRIATION OF FUNDS...................................................16
       Section  804.   TERMINATION FOR INSOLVENCY...................................................................16
</TABLE>
<PAGE>
                                                                  Page 23 of 7
<TABLE>
<CAPTION>

<S>                                                                                                                <C>
       Section  805.   TERMINATION FOR STUDENT NON-ATTENDANCE......................................................16
       Section  806.   SUSPENSION OF AGREEMENT.....................................................................16
Section 900  GENERAL PROVISIONS....................................................................................16
       Section  901.   CONTRACT MODIFICATIONS/AMENDMENTS...........................................................16
       Section  902.   ASSIGNMENTS.................................................................................17
       Section  903.   SUBCONTRACTING..............................................................................17
       Section  904.   REPAYMENT...................................................................................18
       Section  905.   PATENT AND COPYRIGHTS.......................................................................18
       Section  906.   NOTICES.....................................................................................19
       Section  907.   WAIVERS.....................................................................................19
       Section  908.   VALIDITY....................................................................................19
       Section  909.   DISPUTES....................................................................................19
       Section  910.   ENTIRE AGREEMENT............................................................................19
       Section  911.   CAPTIONS....................................................................................20
</TABLE>

<PAGE>

                                                                  Page 24 of 7

                              COUNTY OF LOS ANGELES
                   DEPARTMENT OF COMMUNITY AND SENIOR SERVICES
              JTPA OFF-THE-SHELF VENDOR/VOUCHER TRAINING AGREEMENT

         THIS AGREEMENT is entered into this 1ST day of JULY 1999, by and
between the County of Los Angeles (hereinafter referred to as the "County"), and
NOVAQUEST INFOSYSTEM, hereinafter referred to as the ("CONTRACTOR").

                                    RECITALS

         WHEREAS, the County and the Contractor are entering into this
Agreement for the purpose of operating classroom training in accordance with
applicable provisions of the Job Training Partnership Act, of 1982, as
amended (hereinafter referred to as "JTPA" or the "Act") (29 USC Sections
1501 ET SEQ.), its implementing regulations, rules and policies as
administered by the County; and

         WHEREAS, the JTPA provides federal funds to the County to provide
employment and training programs and services to JTPA-eligible individuals who
are facing serious barriers to employment and who are in need of such
specialized training to obtain productive employment.

         NOW, THEREFORE, for and in consideration of the foregoing premises and
for the express intention of carrying out the purposes of the JTPA as
administered in Los Angeles County, the parties do hereby agree as follows:

         SECTION 1. APPLICABLE DOCUMENTS.  (a) This Agreement consists of this
4-page document and the following exhibits, inclusive:

                  (1)      Standard Terms and Conditions (Exhibit A)

                  (2)      Statement of Work (Exhibit B)

         (b) CONTRACTOR shall comply with all terms and conditions of this
Agreement, including all terms contained in the exhibits hereto.

<PAGE>

                                                                  Page 25 of 7

         SECTION 2. OBLIGATIONS OF THE PARTIES. (a) The Contractor shall provide
the Services, as defined in the Statement of Work, for the number of clients
stipulated therein and any amendments that apply per the Statement of Work.
Services shall include instruction which will assist the client(s) in obtaining
the skills necessary to secure and retain full-time training-related employment.
The Contractor agrees to operate at a level of performance, as determined by the
County, and to otherwise fully comply with the terms and conditions contained in
this Agreement.

         (b) The County agrees to compensate the Contractor for the performance
rendered hereunder and to provide assistance as set forth in Exhibit B-1.

         SECTION 3. COMPENSATION/OBLIGATED VOUCHERS FUNDS. JTPA Voucher funds
shall not exceed the amount(s) listed on the Off-The-Shelf Vendor Client
Voucher, per approved training program, per client.

         (a)      The County will compensate the Contractor for documented
                  performance, AND SHALL ONLY PAY TOTAL TUITION, MINUS PELL
                  GRANT OR ANY TYPE OF TUITION SUBSIDY.
                  PAYMENT SHALL BE DISBURSED AS FOLLOWS:
                  FIRST PAY POINT                    40%
                  SECOND PAY POINT                   40%
                  THIRD PAY POINT                    20%
                                                     ---
                                            TOTAL    100%

         (b)      Payment will be made only when and if the Contractor has (1)
                  invoiced according to the County's instructions, and (2)
                  submitted all required documentation as required by other
                  relevant provisions of this Agreement.

         SECTION 4. TERM. The term of this Agreement shall commence on JULY 1,
1999 and terminate no later than JUNE 30, 2000, except as otherwise provided in
this Agreement.

<PAGE>

                                                                  Page 26 of 7

         SECTION 5. NOTICES/AUTHORIZED SIGNATURES. (a) NOTICES: Unless otherwise
set forth in this Agreement, notices required or permitted to be given under the
terms herein or by any law now or hereafter in effect, shall be sent to:

         (a) County
             Stephanie Klopfleisch, Director      Kenneth Kessler
             Department of Community and          Employment & Training Director
             Senior Services                      Department of Community and
             County of Los Angeles                Senior Services
             3175 West Sixth Street               County of Los Angeles
             Los Angeles, CA  90020-1798          3175 West Sixth Street
                                                  Los Angeles, CA  90020-1798
         (b) CONTRACTOR
                NOVAQUEST INFOSYSTEMS/INETVERSITY
                19951 MARINER AVE., SUITE 100
                TORRANCE, CA  90503
             Attention:    MRS. NOREEN KHAN

         (c) AUTHORIZED SIGNATURES.  (1) PERSON(S) AUTHORIZED TO SIGN
CONTRACTOR'S REIMBURSEMENT REQUESTS:

                   /s/ Dawn Brooks                     /s/ Nick Miryazdi
                  -------------------------           --------------------------
                  (Authorized Signature)              (Authorized Signature)

                     DAWN BROOKS                        NICK MIRYAZDI
                  -------------------------           --------------------------

<PAGE>

                                                                  Page 27 of 7

                     GOVERNMENT TRNG. ADMIN.            DIRECTOR OF FINANCE
                  -------------------------           --------------------------
                  (Typed Title)                         (Typed Title)

                  (2) Person(s) authorized to sign Contractor's Attendance
                      Sheets:

                     MEENAZ HUDANI       DIR. TECH/SERVICE    /s/Meenaz Hudani
                  ------------------     ------------------   ------------------
                  Typed Name                  Title               Signature

                     RICHARD RASMEY     INSIDE SALES SUPPORT  /s/ Richard Ramsey
                  ------------------     ------------------   ------------------
                  Typed Name                   Title              Signature

                  ------------------     ------------------   ------------------
                  Typed Name                   Title              Signature

         IN WITNESS WHEREOF, the County of Los Angeles and the Contractor have
caused this Agreement to be executed on their behalf by their duly authorized
representatives.

                                 COUNTY OF LOS ANGELES
<PAGE>

                                      By: /s/ Stephanie Kloppfleisch
                                      -----------------------------------------
                                      STEPHANIE KLOPPFLEISCH, Director
                                      Department of Community & Senior Services

Approved as to Form:

Lloyd W. Pellman
County Counsel

By:  /s/ L. Pellman
   ---------------------------------------
     Deputy

                               CONTRACTOR

                               Agency Name:  NOVAQUEST INFOSYSTEM/INETVERSITY
                                           ------------------------------------

                               By:
                                  ---------------------------------------------
<PAGE>

                                    MRS. NOREEN KHAN
                                  ---------------------------------------------
                                                      (Print or Type Name)

                                    CHIEF EXECUTIVE OFFICER
                                  ---------------------------------------------
                                                      (Title)
<PAGE>

                                    EXHIBIT A

                     STANDARD TERMS AND CONDITIONS FOR JTPA

                 OFF-THE-SHELF VENDOR/VOUCHER TRAINING CONTRACTS<PAGE>

                                  EXHIBIT 10.6

                       EMPLOYMENT TRAINING PANEL AGREEMENT
                             DATED NOVEMBER 30, 1999

<PAGE>

                       EMPLOYMENT TRAINING PANEL AGREEMENT

                              TERMS AND CONDITIONS

        TERM: This training Agreement is entered into by and between the
Employment Training Panel ("ETP") and iNETVERSITY/NOVAQUEST INFOSYSTEMS
("Contractor"). The term is December 1, 1999 through November 30, 2000. The
parties intend to utilize public funding to assist the Contractor in conducting
a job training project for eligible trainees in accordance with the Training
Plan, Exhibit A; Curriculum, Exhibit B; and Budget, Exhibit C (if applicable).
Contractor certifies the training funds provided will supplement rather than
displace Contractor's ongoing investment in the training of their workers. The
Contractor has certified to ETP in writing the need for the training.

         PAYMENTS:

                  ETP shall pay Contractor an amount not to exceed $ 488,255 .
This amount shall be earned upon the completion of ALL performance requirements
within the Agreement term as indicated in paragraph 1., above. ETP shall not pay
for partial performance. Reimbursement shall be earned for no more than the
number of trainees to be retained listed by Job # and only as specified in
Exhibit A, Chart 1, Summary (hereafter, Chart 1).

                  Reimbursement shall be earned only if 100% of the class/lab
training hours are delivered. Each trainee should complete 100% of the class/lab
training hours. However, a trainee can qualify for reimbursement if the trainee
completes a minimum of 80% of the class/lab training (including qualified
make-up training).

                  Contractor may invoice ETP as each trainee reaches qualifying
benchmarks, and may receive UNEARNED progress payments for cash flow purposes as
indicated in Chart 1

<PAGE>

Summary columns 9 through 13. All progress payments are earned only after the
training and employment retention are completed and the Contractor completes
all other requirements of this Agreement.

                  Contractor shall submit invoices and necessary statistical
data to ETP in a form and manner prescribed by ETP. The Contractor may submit a
Job # closeout invoice once all trainees in the Job # have completed training,
are certified competent if SOST is part of the training plan, and have been
hired or retained in the job for the retention period specified herein. The
Contractor shall submit the Final Fiscal Invoice to ETP within 30 days after the
ending date of the Agreement. Payment of this final invoice shall be contingent
upon submittal of applicable reports as described in VI. TRAINING STANDARDS,
(F); and, VII TRAINEE RETENTION REQUIREMENTS, (B).

                  TRAINEE AUTHORIZATION: Contractor must submit to ETP, an
ETP104 Auth form for each trainee enrolled, providing ETP permission to access
trainees' confidential Unemployment Insurance information and employer reported
wage data from the Employment Development Department. Contractor is responsible
for obtaining trainee signature and Social Security Number on the Number on the
ETP104 Auth form. Any funds invoiced and issued for a trainee who does not have
a signature and valid SSN on file must be returned to ETP as unearned monies,
with any applicable interest.

                  N/A

                  N/A

                  MULTIPLE EMPLOYER AGREEMENT WITH NEW HIRES: Reimbursement
shall be earned for New Hires who are placed with ETP eligible employers.
Employers must be subject to Unemployment Insurance (U.I.) Fund contributions
under the tax rate method. Placements with temporary agencies are subject to the
restrictions of Title 22, California Code of Regulations, Section 4427.

<PAGE>

                  MULTIPLE EMPLOYER AGREEMENT WITH RETRAINEES: The Contractor
shall be reimbursed for 70% of the cost per trainee specified in Chart 1, Column
7 for retrainees employed by a business that has previously benefited directly
or indirectly from ETP funded training. This 30% employer contribution shall be
applicable only if the participating employer has benefited from ETP funded
training of retrainees, under at least two prior Panel Agreements, in the amount
of $250,000 or more at the same facility, and if the business has 101 or more
full-time employees. The employer's participation in previous ETP funded
retraining must have been within five years from the start date of training to
the end term date of the previously applicable ETP Agreement. The Contractor
must have on file, an approved retraining certification form for each
participating employer, prior to the start of training for a company.

              The Contractor shall be reimbursed for 50% of the per trainee cost
              specified in Chart 1, Column 7 for retrainees employed by a
              business that has had a substantial contribution applied in a
              previous Agreement.

         OVERPAYMENT: Reimbursements earned by the Contractor according to the
              performance specified under the Agreement shall be used to offset
              any outstanding financial liabilities owed to ETP under previous
              ETP Agreement(s). This provision shall remain in force until the
              monies owed to ETP plus interest have been fully repaid.

         SUBCONTRACTS: Contractor may subcontract for training or administrative
services with the prior approval of ETP. However, no third party relationship is
intended or created between any Subcontractor and ETP.

         ADMINISTRATION: Training shall be administered and managed by, or under
the direct supervision of, the Contractor. Administrative and management
functions include, but are not limited to: selecting trainees; providing
instructional staff, facilities, materials and equipment needed for instruction;
setting up and maintaining record keeping/tracking forms to document the
delivery of training including; setting up and maintaining ETP reporting and
accounting systems; and maintaining individual trainee files.

<PAGE>

         PERFORMANCE:

         1.       ETP will provide technical assistance and monitor performance
                  of this Agreement. Contractor shall ensure that ETP or its
                  representative, including the Bureau of State Audits, ahs
                  the right during normal business hours, to examine,
                  reproduce, monitor and audit accounting source payroll
                  documents, and all other records, books, papers, documents
                  or other evidence directly related to the performance of
                  this Agreement by the Contractor, including any subcontract.
                  Records must be retained within the control of the primary
                  Contractor and available for review at the Contractor's
                  place of business, within the State of California. This
                  right will terminate no sooner than four (4) years from the
                  date of termination of the Agreement or three (3) years from
                  the date of the last payment by ETP to the Contractor, or
                  the date of resolution of appeals, audits, claims,
                  exceptions, or litigation, whichever is later.

         a.       2. Contractor is on notice that ETP has the option to audit
                  this Agreement at anytime up to four years following the end
                  of the term of this Agreement. Audits will be performed in
                  accordance with Government Auditing Standards which include
                  sampling of available records. Contractor may protest findings
                  set forth in ETP audit and will be provided with procedures
                  for filing such protest. Contractor shall maintain and make
                  available all records pursuant to Title 22, California Code of
                  Regulations, Section 4442. Record Keeping.

                  Contractor shall submit all information and data required
for implementation and performance of the training project in a form and manner
prescribed by the Panel throughout the term of the Agreement.

                  ETP shall inform Contractor in writing if performance by
Contractor is not satisfactory and may, at its discretion, suspend any payment
and/or performance, including training, under the Agreement or terminate the
Agreement as provided herein.

                  ETP may terminate for cause with at least thirty (30) days
written notice to the Contractor; except, if ETP has evidence of fraud, it may
terminate immediately. The Contractor

<PAGE>

may terminate at will without any time requirement. Contractors' notice of
termination shall be delivered in person or by deposit in the United States
mail, addressed to the ETP SIGNATORY of this Agreement and shall be deemed to
have been given at the time of personal delivery or on the date of deposit in
the U.S. mail as evidenced by the postmark date of the notice.

             If Contractor relocates or consolidates the California facility
at which training was provided (or the job for which training was provided)
with a facility (or a job) located outside California within three years of
the Agreement termination, Contractor shall return, at ETP's discretion, all
money earned under this Agreement as provided in Paragraph 2.

             Training, for any trainee, may not exceed eighteen (18) months
from the first day of a trainee's training to the trainee's last day of
training.

             If literacy training is provided, a signed statement on
Contractor's letterhead must be on file with the Contractor certifying that a
literacy assessment has been administered and the number of literacy training
hours in the Agreement is consistent with the results of the assessment.

         UNEARNED FUNDS: Contractor shall return to ETP all unearned monies
under this Agreement with statutory interest computed from the first day of the
month following the date the funds are received. If the Contractor petitions for
bankruptcy, ETP shall be listed and scheduled as a creditor.

         INDEMNIFICATION: Contractor shall indemnify, defend, and hold harmless
ETP, its officers, agents, and employees from any and all claims and losses
accruing or resulting to any and all Contractors, subcontractors, laborers and
any other person, firm, or corporation furnishing or supplying work, services,
materials, or supplies in connection with the performance of this Agreement, and
from any and all claims and losses accruing or resulting to any person, firm, or
corporation who may be injured or damaged by Contractor during the term of this
Agreement.

<PAGE>

         GOVERNING RULES: This Agreement shall be governed by the laws of the
State of California. Contractor shall comply with all applicable federal, state,
and local laws, ordinances, and regulations. Contractor acknowledges it has
received a copy of and has reviewed applicable ETP enabling legislation,
regulations and the ETP Contractor's Guide.

         OTHER FUNDS: Contractor shall notify ETP in writing promptly of other
government-funded training program(s) used to support the training under this
Agreement. All other funds provided by any governmental entity in whatever form
shall be used to reduce the training costs herein. No fee of any kind shall be
required of any trainee except as may be provided under law.

         PROMOTIONAL MATERIAL: Any material used to promote this training
project or the use of the ETP name or logo must be approved by ETP before its
use.

         NATIONAL LABOR RELATIONS BOARD (NLRB): Pursuant to Public Contract Code
Section 10296, by executing the Agreement, Contractor swears under penalty of
perjury that no more than one final unappealable finding of contempt of court by
a federal court has been issued against Contractor within the immediately
preceding two-year period because of Contractor's failure to comply with an
order of a federal court which orders the Contractor to comply with an order of
the National Labor Relations Board. ETP may rescind any contract in which the
Contractor falsely swears to the truth of the statement required by this
section.

         AMERICAN'S WITH DISABILITIES ACT: Contractor assures that it shall
comply with the American's with Disabilities Act (ADA) of 1990, (42 U.S.C. 1201
ET SEQ.), which prohibits discrimination on the basis of disability, as well as
all applicable regulations and guidelines issued pursuant to the ADA.

         DRUG FREE WORKPLACE: Contractor certifies under penalty of perjury
under the laws of the State of California that the Contractor shall comply with
the requirements of the Drug-Free Workplace Act of 1990 (Government Code Section
8350 ET SEQ.) and will provide a drug-free workplace by taking the following
actions:

                                       6

<PAGE>

                  Publish a statement notifying employees that unlawful
manufacture, distribution, dispensation, possession, or use of a controlled
substance is prohibited and specifying actions to be taken against employees for
violations;
                  Establish a Drug-Free Awareness Program to inform employees
about all of the following:

                  The dangers of drug abuse in the workplace;
                  The person's or organization's policy of maintaining a
                    drug-free workplace;
                  Any available counseling, rehabilitation and employee
                    assistance programs; and
                  Penalties that may be imposed upon employees for drug abuse
                    violations.
                  Every employee who works on the Agreement:
                  Will receive a copy of the company's drug-free policy
                    statement; and
                  Will agree to abide by the terms of the company's statement
                    as a condition of employment on the Agreement.

NONDISCRIMINATION: During the performance of this Agreement, Contractor and its
     subcontractors shall not unlawfully discriminate, harass, or allow
     harassment against any employee or applicant for employment because of sex,
     race, color, ancestry, religious creed, national origin, physical
     disability (including HIV and AIDS), mental disability, medical condition
     (cancer), age (over 40), marital status, and denial of family care leave.
     Contractors and subcontractors shall insure that the evaluation and
     treatment of their employees and applicants for employment are free of such
     discrimination and harassment. Contractors and subcontractors shall comply
     with the provisions of the Fair Employment and Housing Act (Government
     Code, Section 12900 ET SEQ.) and the applicable regulations promulgated
     thereunder (California Code of Regulations, Title 2, Section 7285.0 ET
     SEQ.) The applicable regulations of the Fair Employment and Housing
     Commission implementing Government Code, Section 12990 (a-f), set forth in
     Chapter 5 of Division 4 of Title 2 of the California

                                       7

<PAGE>

     Code of Regulations are incorporated into this Agreement by reference
     and made a part hereof as if set forth in full. Contractor and its
     subcontractors shall give written notice of their obligations under
     this clause to labor organizations with which they have a collective
     bargaining or other agreement. Contractor shall include the
     nondiscrimination and compliance provisions of this subparagraph in all
     subcontracts to perform work under this Agreement.

         NOTICES. All notices/correspondence shall be mailed or faxed to
Contractor's Contact Representative identified below. A copy of Notice of
Termination shall be sent to Contractor's Contact Representative (original
Notice of Termination sent to Contractor's signatory to this Agreement).

     The Contractor's Contact Representative for this Agreement shall be:

     Workforce Development Director
     iNetVersity/NovaQuest Infosystems
     19951 Mariner Avenue
     Torrance, CA  90503
     Telephone Number:  (310) 921-4138
     Fax:  (310) 370-9629

ENTIRE AGREEMENT: This Agreement shall not be assigned or in any manner
     transferred to any other party, including a bona fide purchaser for value,
     without the prior written approval of ETP. This Agreement may be amended in
     writing by mutual agreement of the parties. This is the entire Agreement
     between the parties and it supersedes any other understanding or writing
     made between them related to this matter.

APPROVED FOR ETP                           APPROVED FOR CONTRACTOR

Victoria Bradshaw, Executive Director     Noreen Khan, Chief Executive Officer
-------------------------------------     ------------------------------------
Type Name and Title                        Type Name and Title

                                       8

<PAGE>

/s/ Victoria Bradshaw                      /s/ N. Khan
---------------------------------------    -----------------------------------
Signature                      Date        Signature                 Date

 ETP, 1100 J Street, 4th Floor             19951 Mariner Avenue
--------------------------------------     -------------------------------------
Address                                    Address

 Sacramento, California        95814       Torrance, California           90503
--------------------------------------     -------------------------------------
City         State              Zip        City        State               Zip

 (916) 327-5640       (916) 327-5260       (310) 921-4101         (310) 370-9629
--------------------------------------     -------------------------------------
Telephone                   FAX #          Telephone                  FAX #

                                       9

<PAGE>

<TABLE>
<CAPTION>
-------------------------------------------------- --------------------- ------------ -------------- ----------------
                Amount Encumbered                          Item            Chapter       Statute       Fiscal Year
<S>                                                    <C>                <C>          <C>           <C>
                    $244,128                           5100-001-514          50           1999          1999-2000
                    $244,127                           5100-001-514                       2001          2001-2002
-------------------------------------------------- --------------------- ------------ -------------- ----------------
                  Fund                                           Object & Code

EMPLOYMENT TRAINING PANEL                                     96870 - 03930 - 936
                                                              96872 - 03930 - 936

----------------------------------------------------------------------------------------------------------------------

I hereby certify that budgeted funds are available for the period and purpose of
the expenditure stated above.

------------------------------------------------------------------------------------- --------------------------------

Signature of Accounting Officer                                                                Date

----------------------------------------------------------------------------------------------------------------------
I hereby certify that the Agreement does not fall within the meaning of Section
10295 of Chapter 2 of Part 2 of Division 2 of the Public Contract Code of the
State of California and pursuant to 58 OPS. CAL ATTY. GEN. 586 is exempt from
review or approval of the Department of General Services and the Department of
Finance.
------------------------------------------------------------------------------------- -------------------------------

Signature on Behalf of the Agency                                                                  Date

======================================================================================================================
</TABLE>

<PAGE>

                                                                  Page 1 of 16
                                                                     Exhibit A

                                  TRAINING PLAN

Project Title: INETVERSITY
               --------------------------------------------------------------
I.    A.       TRAINING PROJECT PROFILE.  Contractor certifies the following
               funding criterion applies.

               1.  Projects to promote a healthy labor market in a
                   competitive California economy.

                   [X]  Job creation:  new hire or upgrade.
                   [X]  Retraining workers of companies threatened by
                        out-of-state competition.
                   [X] Trainees subject to
                        displacement.
                   [ ] Employer adapting to a high
                        performance workplace.
                   [ ] Employer diversifying
                        goods and/or services.

               2.       Special Employment Training (SET) Projects.

                        [ ]  1.   Frontline Workers.
                        [ ]  2.   New industries.
                        [ ]  3.   Workers affected by defense industry
                                  cutbacks and military base closures.
                        [ ]  4.   To stabilize  employment in fields with a
                                  deficit of trained  employees and
                                  clear career advancement opportunities.
                        [ ]  5.   Entrepreneurial training for a
                                  small business owner(s) to enhance the
                                  competitive position of a business
                                  having at least one full-time, but fewer
                                  than 10 full-time employees.
                        [ ]  6.   Individuals with barriers to full-time
                                  employment.

               3.       Welfare to Work Training Project.

                        [ ]   Trainee is an employed worker who is
                              receiving CalWORKs benefits or has received
                              CalWORKs benefits within one year of the
                              commencement of training.

      B.       LEGISLATIVE PRIORITIES

               [ ]  stimulating exports/imports - U.I. Code, Section 10200(b)(1)
               [ ]  locating into or expansion within California - U.I. Code,
                    Section 10200 (b)(3)
               [ ] moving to a high performance
                    workplace - U.I. Code, Section 10200 (b)(3)
               [X]  hiring displaced workers - U.I. Code, Section 10200 (b)(4)
               [ ]  developed jointly by management and workers - U.I. Code,
                    Section 10200 (b)(5)
               [ ]  career ladders - U.I. Code, Section 10200 (b)(6)

<PAGE>

                                                                 Page 2 of 16
                                                                 Exhibit A
               [ ]  promotion of California's manufacturing workforce - U.I.
                    Code, Section 10200 (b)(7)

II.   CONTRACTOR PROFILE

      A.     Contractor's full-time employees: 1) Company Wide VARY BY
                                                  PARTICIPATING EMPLOYER
                                               2) In California VARY BY
                                                  PARTICIPATING EMPLOYER

      B.     SUBSIDIARY:    Yes [X]   No [  ]  If "Yes", parent company:
             INETVISIONS.COM

      C.     COUNTY(IES) where trainees are to be employed:  VARY BY
             PARTICIPATING EMPLOYER

III.  TRAINEE CRITERIA

      NEW HIRE:  A New Hire is a person who, prior to the start of training,
      is unemployed and:

      1.     Has established an Unemployment Insurance (UI) claim in this
             State and has been determined eligible for UI by the
             Employment Development Department (EDD); or

      2.     Has exhausted UI benefits from this State within the preceding
             twenty-four (24) months; or

      3.     Has received, at the time of hire, a notice of layoff from the
             prior employer.

      RETRAINEE:  A Retrainee is an individual who meets one of the following
                  criteria:

      1.       Has been employed full-time by Contractor or a participating
               employer in California for a minimum of 90 days as of the
               start date of that individual's training; or

      2.       Has been employed full-time by Contractor or a participating
               employer in California for less than 90 days with their
               current employer AND had been previously employed for at least
               an average of 20 hours per week for at least 90 days by an ETP
               eligible employer(s) during the 180 day period preceding their
               hire date with their current employer; and the 90 days of
               prior employment may be non-consecutive and may also be
               completed with multiple employers; or

      3.       Has been employed full-time by Contractor or a participating
               employer in California for less than 90 days at the start of
               training and at the time of hire met the following criteria:

               a. Has established an Unemployment Insurance (UI) claim in
                  this State and has been determined eligible for UI by the
                  Employment Development Department (EDD); or

<PAGE>

                                                                 Page 3 of 16
                                                                 Exhibit A
               b. Has exhausted UI benefits from this State within the
                  preceding twenty-four (24) months; or

               c. Had received, at the time of hire, a notice of layoff from
                  the prior employer.

               A Retrainee meeting (1), (2), or (3) above must also meet one
               of the following:

                  a.    The Retrainee is likely to be displaced without
                        the training and, therefore, claiming
                        unemployment insurance benefits because of
                        reductions in overall employment within a
                        business, elimination of the individual's
                        current job, or a substantial change in the
                        skills required to remain employed due to
                        technological change or other factors; or

                  b.    The Retrainee needs training in order to
                        facilitate an employer's adaptation to a high
                        performance workplace; or

                  c.    The Retrainee needs training to facilitate an
                        employer's diversification of the production of
                        goods or services.

IV.   TRAINEE CERTIFICATION REQUIREMENTS

      NEW HIRE: Contractor shall pre-screen trainees for eligibility and
      deliver an ETP 104 (Trainee Record), by personal delivery, by mail, or
      enter information via the Internet, no later than ten (10) working days
      after the start of training. The notice of layoff must also be
      forwarded with the ETP 104, if applicable. If Contractor wants a
      trainee certification prior to the start of training, Contractor must
      deliver the ETP 104, by personal delivery, by mail, or enter
      information via the Internet, at least ten (10) days, but no more than
      ninety (90) days, prior to the commencement of training.

      RETRAINEES (currently employed less than 90 days/with work or UI
      history): For Internet On-line Process Only, Contractor shall enter and
      submit trainee information on the ETP83, Employment History, via the
      Internet no later than ten (10) working days after the start of
      training. If Contractor wants a trainee certification prior to the
      start of training, Contractor must deliver the ETP 104, by personal
      delivery, by mail, or enter information via the Internet, at least ten
      (10) days, but no more than ninety (90) days, prior the commencement of
      training.

V.    TRAINEE ENROLLMENT REQUIREMENTS

      A trainee is eligible to be enrolled at the start of training, but must
      be enrolled once the number of class/lab hours listed in Chart 1,
      Column 9 have been completed. To enroll trainees in the training
      project, the Contractor must deliver a completed ETP 104 (Trainee
      Record), by personal delivery, by mail, or enter information via the
      Internet, for an

<PAGE>

                                                                 Page 4of 16
                                                                 Exhibit A
      individual trainee within THIRTY (30) days of completion of the
      required class/lab training hours for enrollment. For
      on-line enrollments, Contractor must also submit the ETP 104 AUTH
      (Authorization for On-Line Enrollment) within 30 days of the date that
      the initial enrollment information was entered, or prior to the first
      invoice, whichever comes first. A trainee must complete all training
      and retention prior to subsequent enrollment in same project. A trainee
      cannot be enrolled in the same job number more than once within the
      same project. A trainee shall not be enrolled in more than one ETP
      project at the same time.

      RETRAINEES (employed less than 90 days/with work or UI history): For
      Scantron Process, Contractor shall deliver to ETP a completed ETP 104
      (Trainee Record), by personal delivery, or by mail, for those trainees
      who had been employed by the current employer at the start of training
      for less than 90 days and have a previous employment or UI history. The
      notice of layoff must also be forwarded with the ETP 104, if
      applicable. For Internet On-line Process, Contractor should submit, via
      the Internet, a completed ETP 104 (Trainee Record) for those trainees
      who have been employed by the current employer at the start of training
      for less than 90 days and have a previous employment or UI history
      (only after receiving ETP approval for trainees submitted on the ETP
      83, Employment History). The notice of layoff must also be forwarded
      with the ETP 104, if applicable.

VI.   TRAINING STANDARDS

      A.   CURRICULUM: Contractor shall provide training pursuant to the
           curriculum in Exhibit B.

      B.   DISTRIBUTION OF TRAINING HOURS: Distribution of training hours
           between categories of training (i.e. class/lab or SOST) may be
           changed only by a formal, written Amendment to the Agreement.

      C.   TRAINERS: Class/lab and Structured, On-Site (SOST) trainers must
           be company employees or training vendors who are knowledgeable
           and competent in the subject matter. ETP makes no claim and has
           no responsibility pertaining to qualifications of any training
           vendor or individual providing training. Any trainee who is also
           a trainer must complete all classroom/lab hours and, when
           applicable, obtain a SOST competency certification, as required
           in Exhibit B, Curriculum, for each specific type of training
           prior to providing the same type of training to others.

      D.   "TRAINING" DEFINITIONS:

           1.  Classroom training is formal instruction provided to a group of
               individuals, in a classroom setting removed from the trainee's
               usual work environment, meeting regularly for training in a
               specific skill under the constant and direct guidance of a
               qualified trainer.

<PAGE>

                                                                 Page 5 of 16
                                                                 Exhibit A
           2.  Laboratory training is "hands-on" instruction or skill
               acquisition conducted in a non-productive environment or
               simulated work setting generally away from the trainee's
               work station, under the direction of a laboratory trainer that
               may require the use of specialized equipment or facilities by
               the trainee. The trainer's time during laboratory training must
               be dedicated exclusively to the instruction of trainees.

           3.  Structured, On-Site Training (SOST) is supervised training
               conducted at the worksite for the purpose of transferring
               and testing skills and knowledge learned in the class/lab
               training to the worksite. Trainees perform structured
               tasks/assignments under the direction of a qualified trainer
               who is on-site and provides face-to-face instruction and
               coaching, and assesses trainees competencies using the methods
               referenced in item E. STRUCTURED, ON-SITE TRAINING, (3).

      E.   STRUCTURED, ON-SITE TRAINING (SOST):  N/A

      F.   SUMMARY REPORT:  N/A

VII.  TRAINEE RETENTION REQUIREMENTS

      A1.      FULL-TIME  EMPLOYMENT:  Employment for each trainee shall be
               in the occupations listed in Chart 1, Column 2 and shall
               result in employment customarily considered full-time for
               the occupation and shall have definite career potential and
               a substantial likelihood of providing long-term job
               security. Each trainee must be employed full-time, 35
               HOURS/WEEK) with the Contractor or participating employer
               for a period of at least ninety (90) consecutive days
               immediately following the completion of training. New Hire
               trainees should be placed in a job within 30 days following
               completion of the trainee's training. The retention period
               shall be completed no later than the last day of this
               Agreement. Wages at the end of the 90-day retention period
               shall be equal to or greater than the wages listed in Chart
               1, Column 14.

      A2.      Contractor agrees to comply with rules and regulations
               governing the ETP, including, but not limited to the
               following:

               Contractor shall not place any trainee with a Federal agency
               for her/his required post-training retention period.
               Placement with a non-Federal public entity or non-profit
               organization shall be permitted only where such entity or
               organization has elected an alternate method of financing
               its unemployment insurance liability pursuant to Article 5
               (commencing with Section 801) or Article 6 (commencing with
               section 821) of the Unemployment Insurance Code and where
               placement is limited to new hire trainees who received
               training as an incidental part of a training project
               designed to meet the needs of one or more private sector
               employees.
<PAGE>

                                                                   Page 6 of 16
                                                                      Exhibit A
               Contractor shall place each trainee who has completed
               training with a single eligible employer for the entire
               retention period, pursuant to the ETP statutory requirement
               stated in Unemployment Insurance Code, Section 10209(f).

               Contractor may place up to 20 percent of the total new-hires
               placed and retained in employment under the contract with a
               public entity or nonprofit organization that has elected an
               alternate method of financing its liability for unemployment
               insurance compensation benefits.

               Contractor may place new hire trainees at and through
               temporary employment agencies only when all of the following
               circumstances apply:

               a.     When placements at and through temporary employment
                      agencies do not exceed 10% of the total actual number
                      of new hires placed and retained in employment under
                      the contract; and

               b.     When placements at and through temporary employment
                      agencies are not included in the core group of
                      eligible employers at the time the contract is
                      approved; and

               c.     Where the above two conditions are met, the retention
                      period for placements at temporary employment
                      agencies shall consist of 180 consecutive days before
                      payment is considered earned.

<PAGE>

<TABLE>
<CAPTION>

                                                          Chart 1 Summary ET 000172
Contractor:  iNetVersity/NovaQuest Infosystems                               Page 2
                                                                            Exhibit A
-------------------------------------------------------------------------------------
                                                    TRAINING DATA
-------------------------------------------------------------------------------------
<S>     <C>                    <C>         <C>       <C>       <C>      <C>       <C>
 1         2                       3          4        5         6                  7

                                                                          Total    Cost
                                 Type of       No.     CLS/Lab    SOST    Trainee   Per
Job #  Occupations              Training     Retain    Hours     Hours     Hrs.    Trainee
=====  ===============          =========    =======   =======   ======   =======  =======
       Web Graphics Creator,
       Content Creator,
       Web Editor,
       Computer Programmer,
       Server Administrator,
   1   LAN/WAN Administrator,
       Help Desk
       Programmer,           Multiple
       Technician,           Employers
       Network               New Hires
       Administrator,        COMPUTER SKILLS
       MIS Technician,
       and Customer                            45/     525                 525    $8,379
       Service                                         525                 525
-----------------------------------------------------------------------------------------
       Web Graphics
       Creator,
       Content Creator,
       Web

----------------------------------------------------------------
                                PAYMENT SCHEDULE
----------------------------------------------------------------
     8           9       10            11         12         13         14
                                                                       Wage
                                                            Pay 4      After
 Total SOST    Hrs To    Pay 1        Pay 2      Pay 3      After 90   Reten
 Trainer Hrs.   Enroll   Enroll       Compl      Hired      Days       -tion
=============  ======    ======       =====      =====     ========   ======

                  80     $2,094.75     $2,094.75  $2,094.75  $2,094.75  $9.83

</TABLE>

<PAGE>

<TABLE>
<CAPTION>

                                                          Chart 1 Summary ET 000172
Contractor:  iNetVersity/NovaQuest Infosystems                               Page 3
                                                                            Exhibit A
-------------------------------------------------------------------------------------
                                                    TRAINING DATA
-------------------------------------------------------------------------------------
<S>     <C>              <C>         <C>       <C>       <C>      <C>       <C>
 1         2                3          4        5         6                  7

                                                                   Total    Cost
                          Type of      No.     CLS/Lab    SOST    Trainee   Per
Job #  Occupations       Training    Retain    Hours     Hours     Hrs.    Trainee
=====  ===============   =========   =======   =======   ======   =======  =======
     Editor, Computer
       Programmer,
       Server
       Administrator,
   2   LAN/WAN
       Administrator,
       Help Desk
       Programmer,
       Technician,        Multiple-
       Network            Employer                200                 200  $2,780
       Administrator,     Retrainees      40/     200                 200
       MIS Technician,    COMPUTER
       Customer Service    SKILLS

----------------------------------------------------------------
                                PAYMENT SCHEDULE
----------------------------------------------------------------
 1          2                 8           9       10            11         12         13         14
                                                                       Wage
                                                            Pay 4      After

                           Total SOST    Hrs To    Pay 1       Pay 2      Pay 3      After 90   Reten
Job #  Occupations        Trainer Hrs.   Enroll   Enroll       Compl      Hired      Days       -tion
=====  ===============   =============  ======    ======       =====      =====     ========   ======
     Editor, Computer
       Programmer,
       Server
       Administrator,
   2   LAN/WAN
       Administrator,
       Help Desk
       Programmer,
       Technician,       Multiple-
       Network           Employer
       Administrator,    Retrainees        40     $695.00       $1,390.00   $        $695.00    $9.83
       MIS Technician,   COMPUTER
       Customer Service  SKILLS
-------------------------------------------------------------------------------
</TABLE>

<TABLE>
                       CONTRACT TOTALS
<S>                                         <C>              <C>              <C>                                    <C>
Program Cost                                                      $458,375             Total to be Retained                  85
Substantial Contribution (    %)             (-)                        $0
                          ----
Multiple-Empl. Support (    %)               (+)                   $29,880
                        ----
SET Trainee Support                          (+)                        $0
SET Training Material/Program Development    (+)                        $0
TOTAL ETP FUNDING                            (=)                  $488,255
--------------------------------------------------------------------------------------------------------------------------------
</TABLE>

  The figures in Col. 6 are for calculation purposes only.

<PAGE>

<TABLE>
<CAPTION>
-------------  ------------------------- ------------ -----------------------  --------------------  ----------------------------
Turnover Rate  % of Mgrs. & Sups. to be               Health Benefits Inc. in  SET Trainee Support       SET Training
                        trained                             Wage?                                    Material/Program Development
-------------  ------------------------- ------------ -----------------------  --------------------  ----------------------------
<S>            <S>                       <C>           <C>                     <C>                   <C>
  20.0%                  0.0%                                 No                       $0.00                       $0.00
-------------  ------------------------- ------------ -----------------------  --------------------  ----------------------------
</TABLE>

LOCATION OF TRAINING: Training will be held at the participating employers'
         worksite or iNetVersity/NovaQuest, during work hours.

RATIOS: The trainer to trainee ratio will not exceed 1:20 for retrainees and
1:15 for new hires.

IF HEALTH BENEFITS IS "YES", PLEASE EXPLAIN: Wages will vary by participating
employer. Health benefits may be added to the calculation of the trainees wages
in order to meet the ETP minimum wage requirement for the county where the
participating employer is located.

OTHER NOTES: Turnover rate shall not exceed 20% annually, unless the
participating employer can provide information that the employer has experienced
a singular reduction in force or other occurrence which adversely affected the
turnover rate in the last calendar year.
<PAGE>

                                   CURRICULUM

<PAGE>

                       INETVERSITY INFORMATION TECHNOLOGY
                                     "MENU"
                                   CURRICULUM

HOURS

Class/Lab
Job # 1=525
Job # 2=200

COMPUTER NETWORKING/ENGINEERING
-    Networking Essentials
-    MCSE/MCSD Tracks
-    MCSE + Internet
-    Computer Networking Systems
-    Introduction/Advanced CISCO Router
-    CISCO Internetwork
-    Novell (CAN/CNE) Track
-    Oracle
-    A+ / PC Hardware
-    Microsoft Operating Systems Administration

INTERNET
-    Web Development
-    HTML Scripting/Programming
-    Effective Web Design Strategies
-    Site Designing
-    Introduction to JAVA Script
-    Web Visual Basic Scripting
-    Microsoft Internet Development Solutions
-    Internet Explorer/Frontpage
-    NetObjects Fusion

SOFTWARE/GRAPHICS APPLICATIONS
-    Microsoft Operating Systems
-    Microsoft Office (Word, Excel, Access, Powerpoint, MOUS)
-    Outlook and Frontpage
-    PhotoShop 5.5 and QuarkXPress 3.3
-    Illustrator
-    Visio 5.0

                                       i

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