Document:

Exhibit 10.7

                          JoinUsOnline Portal Agreement

      This AGREEMENT, entered into this _______ day of ___________________, 2000
by and between JoinUsOnline.com, Inc. (hereinafter referred to as "JUOL") and
__________________________________ ("CLIENT").

      WHEREAS, JUOL has developed a Portal program ("JUOL Program") which
contains industry specific portals and sub-portals. The Portals and sub-portals
included in the JUOL Program are listed in Schedule A of this Agreement.

WHEREAS, CLIENT wishes to offer the JUOL Program as a Value-Added Program to
CLIENT's customers ("Customers").

      NOW, THEREFORE, for and in consideration of the mutual covenants contained
herein, it is agreed as follows:

      1. DUTIES OF CLIENT JUOL Hereby authorizes CLIENT to provide the JUOL
Program as a Value-Added Program to its Customers (No cost to the Customer), and
CLIENT hereby accepts such authorization, for the purpose of providing the JUOL
Program to its Customers subject to the following conditions, representations
and warranties, each of which is material:

      a. CLIENT covenants and agrees that it shall not use written materials or
scripts, other than those authorized by JUOL, in connection with the JUOL
Program.

      b. CLIENT shall purchase a JUOL Program Membership from JUOL. Each
Membership entitles the recipient ("Member") to unlimited free access to the
JUOL Program for a twelve - (12) month period. The fees for the JUOL Program are
outlined in Schedule A of this Agreement. Furthermore, CLIENT MAY NOT charge its
Customers a fee for enrollment in the JUOL Program.

2. DUTIES OF JUOL

      a. JUOL will provide a JUOL Home Page for CLIENT's Customers to enroll and
register in the JUOL Program on-line.

      b. JUOL will pay CLIENT a fee calculated in accordance with the terms and
conditions outlined in Schedule A of this Agreement.

3. CONFIDENTIALITY AND PROPRIETARY INTERESTS

      a. JUOL agrees that during the term of this Agreement and thereafter,
CLIENT's customer list shall remain the sole property of CLIENT and cannot be
utilized for any other JUOL or JUOL successor's internal promotions, list
enhancements or other list promotions by other companies without written
permission from CLIENT.

      b. CLIENT agrees that CLIENT MAY NOT gain any proprietary interest or
right in any JUOL benefit or service provider in the JUOL Portal Program. CLIENT
further grants JUOL the exclusive right to provide CLIENT with benefits and
services in the JUOL Portal during the term of this agreement. Furthermore if
CLIENT attempts to contact any benefit or service provider, including and not
limited to individual local providers, in the JUOL Portal Program without
receiving express written permission from JUOL, JUOL may terminate this
agreement and CLIENT will be liable for all consequential damages.

JUOL________                                                      CLIENT________

                                       1.
<PAGE>

4. WARRANTIES

      a. The portals and sub-portals offered through the JUOL Program are
provided directly by independent providers and JUOL does not warrant or
guarantee any of the portals and/or sub-portals provided in the JUOL Program.
Any warranties or, guarantees or representations provided are those of the
individual portal and/or sub-portal providers and not JUOL.

5. TERM AND TERMINATION

      a. The term of this Agreement is for three (3) years and shall
automatically renew on a yearly basis, unless CLIENT or JUOL provides the other
party with written notice within ninety (90) days of the annual anniversary of
this Agreement.

      b. Either party shall have the right to terminate this Agreement if the
other party is in material breach of this Agreement and fails after thirty (30)
days written notice to cure any such breach.

      c. If termination of this Agreement occurs, pursuant to the terms set
forth in paragraph 4(a) of this Agreement, the termination shall not affect the
obligation of JUOL to service the balance of the CLIENT's Customers enrolled in
the JUOL Program pursuant to paragraph 2, as long as CLIENT is not offering a
competitive program to the Customers enrolled in the JUOL Program by CLIENT. If
CLIENT does offer a competitive program to the Customers enrolled in the JUOL
Program CLIENT, all fees and services due and owing CLIENT will cease
immediately.

      d. If CLIENT is in material breach of this Agreement, all services and
fees due and owing CLIENT will cease immediately.

      e. In the event either party wishes to exercise its right to terminate
this agreement pursuant to this paragraph, notice to terminate must be made
pursuant to section 6 of this Agreement.

5. ENTIRE AGREEMENT This Agreement together with Schedule A attached, represents
the entire understanding of the parties with respect to its subject matter and
supersedes all previous discussion and correspondence with respect thereto, and
no representations, warranties or Agreement, express or implied, of any kind
with respect to such subject matter have been made by either party to the other.

6. NOTICES Any notice to be given to JUOL and CLIENT shall be in writing and
shall be deemed to have been given on the same day as mailed by certified mail,
postage pre-paid, return receipt requested, addressed to the respective parties
as follows, unless and until either party notifies the other in writing of a
different address:

IF TO JUOL:                               JoinUsOnline.com, Inc.
                                          110 E. Atlantic Ave., Suite 400
                                          Delray Beach, FL 33344

IF TO CLIENT:                             ______________________________________

                                          ______________________________________

                                          ______________________________________

                                          ______________________________________

JUOL________                                                      CLIENT________
                                       2.

<PAGE>

7. GOVERNING LAW Disagreement and all questions as to interpretations,
performance and enforcement and the rights and remedies of the parties hereunder
shall be determined in accordance with the laws of the State of Florida. Should
any provision contained in this Agreement violate the laws of any State in which
this Agreement is to be performed, that provision shall be deemed void to the
extent it is so violated without invalidation any other provision contained
herein. Parties mutually and knowingly agree that any suit arising out of or
relating to this Agreement shall be filed and adjudicated by a court in Broward
County, in the State of Florida.

IN WITNESS WHEREOF, the parties have hereunto executed this Agreement the day
and year first written.

Witness                                  JoinUsOnline.com, Inc.

______________________________           By_____________________________________

                                         _______________________________________
                                         Name & Title (Print)

Witness                                         CLIENT

______________________________           By_____________________________________

                                         _______________________________________
                                         Name & Title (Print)

                                       3.

<PAGE>

                                   SCHEDULE A

1. Pursuant to the following terms and conditions, CLIENT shall enroll and pay
the following fees per Member enrolled in the JUOL Program by CLIENT.

      A. CLIENT shall pay $[ ].00 upon execution of this Agreement. The
$[   ].00 shall be used towards the fees described in this Agreement, which are
$[     ] per Member for enrollment into the JUOL Program for a twelve (12) month
period.

      B. In order to enroll its Customers, CLIENT must follow one of the
following procedures:

      (i) JUOL Certificate Program: CLIENT shall provide the JUOL certificates
to its Customers, at no charge. CLIENT's Customers will enroll into the JUOL
Program on-line. Each certificate is valid for 12 months of FREE Unlimited
access to the JUOL Program, subject to certain restrictions. These restrictions
are listed on the certificates. CLIENT shall purchase numbered JUOL Program
certificates in lots of 1,000 for $[ ].00, which includes shipping and handling.
The price for printing, shipping and handling is currently $[ ] per thousand,
but could vary on future orders.

      (ii) JUOL Non-Certificate Program: CLIENT shall provide JUOL with the
information listed below on each New Member being enrolled in the JUOL Program.
The frequency of New Member enrollment shall be determined by CLIENT and JUOL,
based upon volume. CLIENT shall also at the same time, wire to JUOL [ ] ($[ ])
per New Member enrolled in the JUOL Program. All New Customers enrolled prior to
the 15th of the month shall have access to the JUOL Program for the following
twelve- (12) month period, commencing on the 1st of the month following
enrollment of the new Member by CLIENT.

Required Enrollment Information

- Member Name
- Unique Membership #

      (a) GROUP ASSIGNMENT: All New Customers enrolled in the JUOL Program will
be assigned to a group, according to the date JUOL receives the New Member
enrollment information, as outlined above. The group assignments are outlined in
the schedule below. The group that a New Member is assigned to shall determine
the date when a Member's Renewal fees are due. An example of the group
assignments is outlined in the schedule below.

Enrollment Date          Group
---------------          -----

04/16/98-05/15/98        06/98
05/16/98-06/15/98        07/98
06/16/98-07/15/98        08/98
07/16/98-08/15/98        09/98
08/16/98-09/15/98        10/98
09/16/98-10/15/98        11/98
10/16/98-11/15/98        12/98
11/16/98-12/15/98        01/99

JUOL________                                                      CLIENT________

                                       4.
<PAGE>

2. Pursuant to the following terms and conditions, JUOL shall pay CLIENT the
following percentages of the gross fees paid to JUOL, less shipping, handling,
and taxes, for each Member, enrolled in the JUOL Program by CLIENT, who
purchases and/or enrolls in the following JUOL on-line products, benefits and/or
services:

Product, Benefit or Service   Percentage of Sale Due CLIENT
---------------------------   -----------------------------
Discount Shopping Network     [   ]%
Grocery Coupon Program        [   ]%
Hotel/Motel Program           [   ]%
Golf Program                  [   ]%
Vision Program                [   ]%
Pharmacy Program              [   ]%
Chiropractic Program          [   ]%

Dental Program                [   ]%

Consumer Plus                 [   ]% of up front fee plus [  ]% of monthly fees
Health Plus                   [   ]% of up front fee plus [  ]% of monthly fees
Business Plus                 [   ]% of up front fee plus [  ]% of monthly fees

Legal Program (Business)      [   ]% of up front fee plus [  ]% of monthly fees
Legal Program (Consumer)      [   ]% of up front fee plus [  ]% of monthly fees
Web Classified (3 Page)       [   ]% of up front fee plus [  ]% of monthly fees

Personal Web Pages            [   ]% of up front fee plus [  ]% of monthly fees

Web Hosting                   [   ]% of development and hosting fees
Internet Dial-Up              [   ]% of dial-up fees

JUOL will pay the following fees for each qualified lead generated for the
following services:

Product, Benefit, or Service        Lead Fee
----------------------------        --------
Mortgage                            $[ ]00
BiWeekly Mortgage Program           $[ ]00
Real Estate                         $[ ]00
Moving                              $[ ]00
Merchant Services                   $[ ]00

3. As new products, benefits, and/or services are added, an addendum to this
Agreement will be added.

4 All CLIENT's fees shall be considered earned and payable on the 15th of the
month following receipt of the compensation from the JUOL product, benefit
and/or service providers.

JUOL________                                                      CLIENT________

                                        5Exhibit 10.8

                          Benefit and Service Agreement

      This AGREEMENT, entered into this___ day of _____ 2000 by and between
JoinUsOnline.com, LTD. Inc.(hereinafter referred to as "JUOL") and
________________________________________ (hereinafter referred to as "CLIENT").

      WHEREAS, JUOL has developed a variety of Programs (JUOL Programs) which
include a variety of money saving benefits and services. The Benefits and
Services included in the JUOL Programs are listed in Schedule A of this
Agreement.

      WHEREAS, CLIENT wishes to provide one or more of the JUOL Programs to
CLIENT's Customers and members (collectively "Members") under the control and
direction of JUOL.

      NOW,THEREFORE, for and in consideration of the mutual covenants contained
herein, it is agreed as follows:

      1. DUTIES OF CLIENT. JUOL hereby authorizes CLIENT to provide the JUOL
Programs to its Members using such methods and in such geographic areas as
approved by JUOL and CLIENT hereby accepts such authorization, for the purpose
of providing the JUOL Programs to its Members subject to the following
conditions, representations and warranties, each of which is material:

            a. CLIENT covenants and agrees that it shall not use written
materials or scripts, other than those authorized by JUOL, in connection with
the JUOL Programs, nor will CLIENT make any representations or warranties not
specifically authorized by JUOL or its designee.

            b. CLIENT will pay the appropriate fees, for each enrolled Member,
as stated in Schedule B of this Agreement.

            c. CLIENT covenants and agrees that during the term of this
agreement, neither it, nor any affiliate or related entity, shall represent or
market to any person or entity which provides any similar benefits or services
as outlined in the JUOL Programs. That applies to any individual benefit or
service that JUOL provides. The only exception is with JUOL approval, which must
be communicated in writing.

      2. DUTIES OF JUOL

            a. JUOL will provide Customer Service lines for CLIENT's Members to
utilize for additional information on the JUOL Programs, enrollment in the JUOL
Programs or implementation of one or more of the benefits or services included
in the JUOL Programs.

            b. JUOL will pay CLIENT a fee calculated in accordance with terms
and conditions outlined in Schedule A of this Agreement.

      3. WARRANTIES AND GUARANTEES

            a. The benefits and services offered through the JUOL Programs are
provided directly by independent benefit and service providers and JUOL does not
warrant or guarantee any of the benefits or services provided in the JUOL
Programs. Any warranties or, guarantees or representations provided are those of
the individual benefit and\or service providers and not JUOL.

JUOL________                                                      CLIENT________

1

<PAGE>

            b. It is understood by CLIENT that the benefits and services
included in the JUOL Programs are based upon agreements made between JUOL and
certain benefit and service providers ("Provider Agreements"). During the term
of this Agreement, certain Provider Agreements may be terminated or altered.
JUOL shall give CLIENT written notice of any benefit or service being eliminated
or altered, not less than thirty (30) days prior to the effective date of these
changes. If a benefit or service is terminated or altered, JUOL shall, on a best
effort basis, replace the altered or terminated benefit or service with a
comparable benefit or service.

      4. TERM AND TERMINATION

            a. The term of this Agreement is for three (3) years and shall
automatically renew on a yearly basis, unless CLIENT or JUOL provides the other
party with written notice within ninety (90) days of the annual anniversary of
this Agreement.

            b. Either party shall have the right to terminate this Agreement if
the other party is in material breach of this Agreement and fails after thirty
(30) days written notice to cure any such breach.

            c. If termination of this Agreement occurs, pursuant to the terms
set forth in paragraph 4(a) of this Agreement, the termination shall not affect
the obligation of JUOL to service the balance of the Members enrolled in the
JUOL Programs pursuant to paragraph 2, as long as all appropriate enrollment
fees are paid up to date and CLIENT is not representing or offering any similar
benefits or services in the JUOL Programs. That applies to any individual
benefit or service that JUOL provides, except as permitted herein. If CLIENT is
representing or offering any similar benefit or service in the JUOL Programs,
except as permitted herein, all services due and owing CLIENT will cease
immediately.

            d. If CLIENT is in material breach of this Agreement or if CLIENT
representing or offering any similar benefit or service in the JUOL Programs
during the term of this Agreement, except as permitted herein, all services due
and owing CLIENT will cease immediately and CLIENT will be liable for all
consequential damages. That applies to any individual benefit or service that
JUOL provides, except as permitted herein.

            e. In the event either party wishes to exercise its right to
terminate this agreement pursuant to this paragraph, notice to terminate must be
made pursuant to paragraph 8 of this Agreement.

      5. ASSIGNMENT.

            a. Either party may assign this Agreement;

                  i. To an affiliate so long as such affiliate assumes the
obligations hereunder, or;

                  ii. In connection with a merger or consolidation involving
either party or a sale of all or substantially all of either party's assets to
the surviving company or purchaser as the case may be, so long as such assignee
assumes the obligations of the appropriate party hereunder.

      6. CONFIDENTIALITY AND PROPRIETARY INTERESTS

            a. JUOL agrees that during the term of this Agreement and any time
thereafter, CLIENT's customer lists shall remain the sole property of CLIENT and
cannot be utilized for any other JUOL or JUOL successor's internal promotions,
list enhancements or other list promotions by other companies without the
written permission of CLIENT.

            b. CLIENT agrees that all sales materials provided to CLIENT or
modified for CLIENT by

JUOL________                                                      CLIENT________

2
<PAGE>

JUOL are and remain the property of JUOL and may not be used by CLIENT without
express written authorization of JUOL. CLIENT further agrees to return or
destroy all such materials at the request of JUOL or upon termination of this
Agreement.

            c. CLIENT agrees that CLIENT MAY NOT gain any proprietary interest
or right in any JUOL benefit or service provider in the JUOL Programs. CLIENT
further grants JUOL the exclusive right to provide CLIENT with the benefits and
services in the JUOL Programs during the term of this Agreement. Furthermore if
CLIENT attempts to contact any benefit or service provider, including but not
limited to the individual local providers, in the JUOL Programs, without
receiving express written permission from JUOL, JUOL may terminate this
Agreement and CLIENT will be liable for all consequential damages.

      7. ENTIRE AGREEMENT. This Agreement together with Schedule A and Schedule
B attached, represents the entire understanding of the parties with respect to
its subject matter and supersedes all previous discussion and correspondence
with respect thereto, and no representations, warranties or Agreement, express
or implied, of any kind with respect to such subject matter have been made by
either party to the other.

      8. NOTICES. Any notice to be given to JUOL and CLIENT shall be in writing
and shall be deemed to have been given on the same day as mailed by certified
mail, postage pre-paid, return receipt requested, addressed to the respective
parties as follows, unless and until either party notifies the other in writing
of a different address:

IF TO JUOL:                               JUOL.com LTD.
                                          110 East Atlantic Blvd.
                                          Delray Beach, FL 33444

IF TO CLIENT:                             _______________________
                                          _______________________
                                          _______________________

9. GOVERNING LAW. Disagreement and all questions as to interpretations,
performance and enforcement and the rights and remedies of the parties hereunder
shall be determined in accordance with the laws of the State of Florida. Should
any provision contained in this Agreement violate the laws of any State in which
this Agreement is to be performed, that provision shall be deemed void to the
extent it is so violated without invalidating any other provision contained
herein. Parties mutually and knowingly agree that any suit arising out of or
relating this Agreement shall be filed and adjudicated by a court in Palm Beach
County, in the State of Florida.

                                      2

            IN WITNESS WHEREOF, the parties have hereunto executed this
Agreement the day and year first above written.

Witness                                    JUOL.com, LTD

____________________________           By_______________________________________

                                       _________________________________________
                                       Name & Title (Print)

Witness                                    CLIENT

____________________________           By_______________________________________

                                       _________________________________________
                                               Name & Title (Print)

3
<PAGE>

                                   SCHEDULE A

1.    The following benefits and services are included in the JUOL Value
Added Program.

Discount Shopping Network
Web Classified.net (Multi Page Business Web Site)
Discount Travel Service*
Discounted Grocery Service**
JoinUsOnline Portal Program
Discount Car Rentals
FREE New Car Pricing
FREE Used Car Pricing
Discount New Car Buying Service
Discount Real Estate Service
Discount Moving Service
Discount Mortgage Service
FREE Mortgage Acceleration Printout
Investment and Retirement Services
FREE Financial Needs Analysis
* Includes $[     ] in Travel Cash Back Coupons
** Includes Discounted Admissions to Theme Parks and Discounted Movie Tickets
(This offer is subject to change and is total dependant on provider)

2. Pursuant to the following terms and conditions, JUOL shall pay CLIENT the
following percentages of the gross fees paid to JUOL, less shipping, handling,
and taxes, for each Member, enrolled in the JUOL/JUOL Program by CLIENT, who
purchases and/or enrolls in the following JUOL on-line products, benefits and/or
services:

Product, Benefit or Service   Percentage of Sale Due CLIENT
---------------------------   -----------------------------

Discount Shopping Network     [   ]%
Hotel/Motel Program           [   ]%
Golf Program                  [   ]%
Vision Program                [   ]%
Pharmacy Program              [   ]%
Chiropractic Program          [   ]%

Dental Program                [   ]%

Consumer Plus                 [   ]% of up front fee plus [  ]% of monthly fees
Health Plus                   [   ]% of up front fee plus [  ]% of monthly fees
Business Plus                 [   ]% of up front fee plus [  ]% of monthly fees
Legal Program (Business)      [   ]% of up front fee plus [  ]% of monthly fees
Legal Program (Consumer)      [   ]% of up front fee plus [  ]% of monthly fees
Personal Web Pages            [   ]% of up front fee plus [  ]% of monthly fees

Web Hosting                   [   ]% of development and hosting fees
Internet Dial-Up              [   ]% of dial-up fees
Long Distance Telephone       [   ]% Long Distance Fees

JUOL________                                                      CLIENT________

4
<PAGE>

                               SCHEDULE A (cont'd)

JUOL will pay the following fees for each qualified lead generated for the
following services:

Product, Benefit, or Service        Lead Fee
----------------------------        --------
Mortgage                            $[ ].00
BiWeekly Mortgage Program           $[ ].00
Real Estate                         $[ ].00
Moving                              $[ ].00

3. As new products, benefits, and/or services are added, an addendum to this
Agreement will be added.

4 All CLIENT's fees shall be considered earned and payable on the 15th of the
month following receipt of the compensation from the JUOL product, benefit
and/or service providers

JUOL________                                                      CLIENT________

5

<PAGE>

                                   SCHEDULE B

                           VALUE-ADDED PROGRAM PRICING

1. Pricing: Pursuant to the following terms and conditions, CLIENT will pay the
following fees per member enrolled in the JUOL Programs on a monthly basis.

Amount of
Members              Benefits & Services            Cost Per Member
---------            -------------------            ---------------

1000 +               Listed in Schedule A           $[  ] per month/member
                                                    $[  ] per active member

      a. The above mentioned fees represents Member enrollment in the JUOL
Programs and computer system according to JUOL computer specifications. THIS
DOES NOT INCLUDE printing, shipping, postage or handling charges.

2. Initial payment Terms: CLIENT shall pay for and enroll its Members in the
following manner:

      a. CLIENT shall pay $[         ].00 upon execution of this Agreement. The
$[       ].00 shall be applied towards the fees described in section (1) of this
agreement.

3. Membership Enrollment and Payments: In order to enroll its Members, CLIENT
must follow the following procedures:

      a. MONTHLY NEW MEMBERS and PAYMENT: CLIENT shall provide JUOL with the
information listed below on each New Member being enrolled in the JUOL Programs.
The frequency of New Member enrollment shall be determined by CLIENT and JUOL,
based upon volume. CLIENT shall also at the same time, wire to JUOL the fees
outlined in paragraph 1 above ($[ ]) per New Monthly Member enrolled in the JUOL
Programs. These Members will have access to the JUOL Programs for one (1) month.

- Member Name
- Address
- Phone Number
- Social security # or Unique Membership #

JUOL________                                                      CLIENT________

6

<PAGE>

                               SCHEDULE B (cont'd)

      b. GROUP ASSIGNMENT: All New Members enrolled in the JUOL Programs will
be assigned to a group, according to the date JUOL receives the New Member
enrollment information, as outlined above. The group assignments are outlined in
the schedule below. The group that a New Member is assigned to shall determine
the future monthly billings of that New Member:

      Date              Group
      ----              -----
      1st - 7th         A
      8th - 14th        B
      15th- 21st        C
      22nd- 31st        D

      c. GROUP BILLING: Each week CLIENT shall also provide JUOL with a list of
Members that WILL NOT have access to the JUOL Programs the following month
(Terminated Members). JUOL shall determine which group the Terminated Members
are in and delete the Terminated Members from the file. The balance of the
Membership remaining are considered Active Members. JUOL shall bill CLIENT, via
fax, the fees outlined in paragraph 1 above for each Active Member, according to
the following schedule below. Within 48 hours of receiving the bill via fax,
CLIENT shall wire the Active Member fees to JUOL. This will entitle the Active
Members to have access to the JUOL Programs for an additional month.

      Dates             Group       Group Billing Date
      -----             -----       ------------------
      1st - 7th         A           8th
      8th - 14th        B           15th
      15th- 21st        C           22nd
      22nd- 31st        D           1st

JUOL________                                                      CLIENT________

7

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