Document:

EXHIBIT 10.19

Department of the Treasury       Number of this letter:            2850 (DO/CG)
Internal Revenue Service         Date of this letter:              06/28/2000

                                    TAXPAYER IDENTIFYING NUMBER:   86-0568049

ONESOURCE TECHNOLOGIES INC
7419 E Helm Dr
Scottsdale, AZ 85260-2470

         We have approved your request to pay your taxes in  installments.  Your
first payment of $10,000.00 is due on the 17th of July, 2000. You agreed to make
future  payments of 10,000.00 on the 15th of each following month until you have
paid the full amount you owe.

         The amount you owe as of  06/20/2000  is  $118,802.43,  which  includes
penalties and interest.  We will continue to charge penalties and interest until
you pay the full  amount you owe,  because you didn't pay your total tax when it
was due.

         Please be sure to send your monthly  payments  early enough for them to
reach  us by the  due  date.  Print  our  social  security  number  or  employer
identification  number clearly on your check or money order.  If you change your
address, please send your new address with your next payment.

         Note: If IRS is charging backup withholding on any of your accounts, it
will  continue.   Having  an  installment  agreement  doesn't  interrupt  backup
withholding.

FORM              TAX PERIOD        FORM    TAX PERIOD        FORM    TAX PERIOD
941               12/31/1998        941     03/31/1999        941      06/30/199
941               09/30/1999        941     12/31/1999

         Although  we  have  established  an  installment  plan for you, we must
protect the government's interest.  Therefore, a Notice of Federal Tax Lien

                             HAS ALREADY BEEN FILED.

A notice of Federal Tax Lien is a public notice that the  government has a claim
against your property to satisfy a debt. We will release  (remove) the lien when
you finish  paying what you owe.  We have the legal right to collect  this money
for up to 10 years.

<PAGE>

Department of the Treasury       Number of this letter:            2850 (DO/CG)
Internal Revenue Service         Date of this letter:              06/28/2000

                                    TAXPAYER IDENTIFYING NUMBER:   86-0568049

CONDITIONS OF THIS AGREEMENT:

     o    We must receive  each  payment by the date shown above.  If you have a
          problem, contact us immediately.
     o    This agreement is based on your current  financial  condition.  We may
          change or cancel it if our information  shows that your ability to pay
          has changed significantly.
     o    We may cancel this  agreement  if you don't give us updated  financial
          information when we ask for it.
     o    While this agreement is in effect,  you must pay any federal taxes you
          owe on time.
     o    We will apply your  federal tax refunds (if any) to the amount you owe
          until it is fully paid.
     o    If you don't meet the conditions of this agreement, we will cancel it,
          and may collect the entire amount you owe by levy on your income, bank
          accounts or other assets, or by seizing your property.
     o    We may cancel this agreement at any time if we find that collection of
          te tax is in jeopardy.
     o    You must pay a $43.00 installment agreement fee.
     o    If  agreement  defaults,  you must pay a $24.00  reinstatement  fee if
          agreement is reinstated.
     o    We will apply all payments on this  agreement in the best  interest of
          the United States.

         The Internal  Revenue  Service will send you monthly  reminder  notices
prior to your payment due date. Detach the bottom portion of the reminder notice
and include it with your payment. Please send payments to the following address:

                           INTERNAL REVENUE SERVICE
                           2400 WEST DUNLAP, SUITE 315, STOP:5305PX
                           PHOENIX          AZ 85021

         ADDITIONAL CONDITIONS:

         JANUARY 20001 NEED TO REVALUATE 433-D AND 433-D

         If  you  need  assistance or have a question concerning your agreement,
please call: 602-207-8815 or write:

                           Internal Revenue Service
                           2400 WEST DUNLAP
                           SUITE 315, STOP:5305PX
                           PHOENIX       AZ 85021

                                               Sincerely yours,
                                               K RAY
                                               MANAGER
                                               Employee ID#: 86-16238

<PAGE>

Form 433-D                 Department of the Treasury - Internal Revenue Service
(Rev. 03/2000)             INSTALLMENT AGREEMENT

Name and address of taxpayer(s)        Social security or employer id number
ONESOURCE TECHNOLOGIES INC             Primary # 86-0568049      secondary #
7419 E HELM DR
SCOTTSDALE       AZ 85260-2470         Kinds of taxes (Form numbers)
                                       941
Telephone:                            Tax periods: 01/199812 01/199903 01/199906
                                       01/199909         01/199912
(Home)       (602) 216-9600            Amount owed as of Earliest CSED
(Business)   (480) 889-1177x0010       06/20/200  $118,8006/06/2009

Employer (Name and address)            Financial Institution (name and address)
NORWEST BANK ARIZONA NA                WELLS FARGO BANK/WHOLESALE
ATTN: RESEARCH DEPT. MS:9118           ATTN: LEVY PROCESSING
P O BOX 52566                          P O BOX 29779N
PHOENIX            AZ 85072-2566       PHOENIX           AZ 85038-9779

         I/We agree to pay the federal taxes shown above, PLUS ALL PENALTIES AND
INTEREST  PROVIDED BY LAW, as follows:  10,000.00 on 7/17/2000 and $10,000.00 on
the 15th of each month  thereafter  until the total  amount  I/We owe is paid in
full. I/We also agree to increase or decrease the above  installment  payment as
follows:

Date of increase          /  /           /  /             Additional tax
(or decrease)                                             Periods:
Amount of increase        $   0.00       $  0.00
 (or decrease)
New installment amount    $   0.00       $  0.00

AGREEMENT LOCATOR NUMBER:                            0215

[_]      0        No future action is required
[x]      5        Financial review date:    01/2001
                                            mm/yyyy
[_]      6        SCCB - Monitor ES compliance:
                  1st qtr  0       2nd qtr  0        3rd qtr  0
                           --               --                --
         MINIMUM AMOUNT PER QUARTER $0.00
         (If amount(s)/quarters will vary, provide details.)    [_] Check if
                                                                 preassessed
                                                               modules included.
A NOTICE OF FEDERAL TAX LIEN (check one)
[x]      HAS ALREADY BEEN FILED
[_]      WILL BE FILED IMMEDIATELY
[_]      WILL BE FILED WHEN TAX IS ASSESSED
[_]      MAY BE FILED IF THIS AGREEMENT DEFAULTS

Part 1A - IRS - Input Copy         Form 433-D (DO/CG)            (Rev. 03/2000)

<PAGE>

Form 433-D          Department of the Treasury - Internal Revenue Service
(Rev. 03/2000)      INSTALLMENT AGREEMENT

CONDITIONS OF THIS AGREEMENT:

     o    We must receive  each  payment by the date shown above.  If you have a
          problem, contact us immediately.

     o    This agreement is based on your current  financial  condition.  We may
          change or cancel it if our information  shows that your ability to pay
          has changed significantly.

     o    We may cancel this  agreement  if you don't give us updated  financial
          information when we ask for it.

     o    While this agreement is in effect,  you must pay any federal taxes you
          owe on time.

     o    We will apply your  federal tax refunds (if any) to the amount you owe
          until it is fully paid.

     o    If you don't meet the conditions of this agreement, we will cancel it,
          and may collect the entire amount you owe by levy on your income, bank
          accounts or other assets, or by seizing your property.

     o    We may cancel this agreement at any time if we find that collection of
          te tax is in jeopardy.

     o    We will apply all payments on this  agreement in the best  interest of
          the United States.

     o    You must pay a $43.00 installment agreement fee.

     o    If  agreement  defaults,  you must pay a $24.00  reinstatement  fee if
          agreement is reinstated.

         ADDITIONAL CONDITIONS:
                  JANUARY 2001 NEED TO REVALUATE 433-D AND 433-D

Your signature                Title       Date      Originator's name, title and
/s/ illegible                 P.O.A.      7/5/00    assignment & employee ID#
Spouse's signature (if joint liability)   Date      R. WEBSTER
                                                    REVENUE OFFICER
                                                    86012191/86-16568
Agreement examined or approved by         Date
(signature, title)
K RAY                                     06/28/2000
MANAGER
                                          Originator Code: 20

Part 1B - IRS - Input Copy         Form 433-D (DO/CG)             (Rev. 03/2000)Exhibit 10.20

                                OPTION AGREEMENT

THIS AGREEMENT,  made as of this 1st day of June 2000, by and between  OneSource
Technologies,  Inc., a Delaware  Corporation  with offices  located at 7419 East
Helm Drive, Scottsdale,  AZ 785260 ("Company") and XCEL ASSOCIATES,  Inc., a New
Jersey  Corporation  with the office's located at 224 Middle Road,  Hazlet,  New
Jersey  07730 and 2517  Durango  Drive,  Colorado  Springs,  Colorado  80910,  a
consultant to the Company (the "Optionee").

                                   WITNESSETH

         WHEREAS,  the  Board of  Directors  of the  Company  believes  that the
interests  of the Company  will be advanced  by  granting  an  incentive  to the
Optionee  by  providing  him with the  opportunity  to  purchase  shares  of the
Comapny's  Common Stock, par value $0.001 per share ("Common  Stock"),  on terms
which will give him a more direct and continuing  interest in the future success
of the Company's business:

         NOW  THEREFORE,  in  consideration  of the foregoing and other good and
valuable consideration, the parties agree as follows:

     1. Grant of Options. Subject to all terms and conditions of this Agreement,
the Company hereby grants to the Optionee the right and option (the "Option") to
purchase  all or any part of an  aggregate  of two  million  (2,000,000)  freely
tradable  shares  of OSTK  pursuant  to and S-3  Registration  or an  acceptable
exemption at a price of Fifty Cents ($0.50) per share.

     2.  Expiration.  The  Option may not be  exercised  after June 1, 2001 (the
"Expiration  Date").  Unless  XAI  introduces  or  arranges  for  an  acceptable
secondary  offering  approved by OSTK at which time the  remaining  option shall
automatically extend for an additional two years and expire on June 1, 2003.

     3. Exercise of Option.  The Option may be  exercised,  in whole or part, at
any time prior to the Expiration Date or the earlier  termination of the Option.
If the Option id not exercised to the maximum  extent  permissible,  it shall be
exercisable,  in whole or part,  with  respect to all Shares not so purchased at
any time prior to the Expiration Date or the earlier termination of the Option.

     4. Payment of Purchase Price Upon  Exercise.  The Option granted under this
Agreement  may be exercised  in whole or part by the  Optionee's  delivering  or
mailing to the Company at its  principal  office,  or at such other place as the
Company may  designate,  written notice of exercise duly signed bu the Optionee.
Such exercise  shall be effective upon (a) receipt of such written notice by the
Company and (b) payment to the Company of the full purchase price in cash.

     5.  Issuance and Delivery.  The  Optionee's  written  notice to the company
shall  state the  number of Shares  with  respect  to which the  Option is being
exercised  and specify a date,  not less than five (5) or more than fifteen (15)
days after the date of the mailing of such notice, on which the

<PAGE>

Shares will be taken and payment  made  therefor.  On the date  specified in the
notice of exercise, the Company shall deliver, or cause to be delivered,  to the
Optionee (or his personal representative, as the case may be) stock certificates
for the number of Shares  with  respect to which the Option is being  exercised,
against receipt of payment therefor.  Certificates  evidencing the Shares issued
upon exercise of the Option may contain such legends reflecting any restrictions
upon  transfer of the Shares  evidenced  thereby as in the opinion of counsel to
the  Company  may be  necessary  for the  lawful  and  proper  issuance  of such
certificates. Delivery of the Shares may be made at the office of the Company or
at the office of a transfer agent appointed for the transfer of shares of Common
Stock.

     6. Transferability.  The Option shall not be transferable otherwise than by
will or by the  laws of  descent  and  distribution.  The  Option  shall  not be
subject, in whole or in part, to attachment, execution or levy any kind.

     7.  No  Rights  as a  Shareholder.  Neither  the  Optionee  nor  his  legal
representative  shall  be,  nor  have  any of the  rights  or  privileges  of, a
shareholder  of the  Company in respect to any of the  Shares,  unless and until
certificates  representing  such Shares shall have been issued and  delivered to
the Optionee (or his legal representative).

     8.  Adjustment.  (a) In case,  prior ti the  expiration  of the  Option  by
exercise or by its terms, the Company shall issue any shares of its Common Stock
as a stock  dividend or  subdivide  the number of  outstanding  shares of Common
Stock  into a greater  number of  shares,  then,  in either of such  cases,  the
purchase  price per share of the Shares  issuable upon exercise of the Option in
effect  at the time of such  action  shall be  proportionately  reduced  and the
number  of  Shares  st the time  purchasable  pursuant  to the  Option  shall be
proportionately  increased;  and  conversely,  in the  event the  Company  shall
contract the number of shares,  then, in such case, the purchase price per share
of the shares issuable upon exercise of the Option in effect at the time of such
action shall be shall be  proportionately  increased and the number of Shares at
the time purchasable pursuant to Option shall be proportionately  decreased. Any
dividend  paid or  distributed  upon the  Common  Stock  shall be  treated  as a
dividend  paid in Common  Stock to the extent  that  shares of Common  Stock are
issuable upon the conversion thereof.

             (b)  In case, prior to the expiration of this Option by exercise or
by its terms,  there  shall be a  recapitalization,  whether by  reorganization,
reclassification or otherwise of the capital of the Company, or the Company or a
successor  corporation  shall  be  consolidated  or  merge  with or  convey  all
substantially all of its or of any successor  corporation's  property and assets
to any other  corporation or corporations  (any such corporation  being included
within  the  meaning  of the term  "successor  corporation"  in the event of any
consolidation  or merger  of any such  corporation  with,  or the sale of all or
substantially  all of the property of any such corporation  with, or the sale of
all or  substantially  all of the property of any such  corporation  to, another
corporation,  the Optionee shall  thereafter have the right to purchase upon the
terms and conditions  and during the time  specified in this Option,  in lieu of
the Shares  theretofore  purchasable upon the exercise of this Option,  the kind
and  amount  of  shares  of stock  and  other  securities  receivable  upon such
recapitalization  or  consolidation,  merger  or  conveyance  by a holder of the
number of shares  of Common  Stock  which  the  Optionee  might  have  purchased
immediately  prior  to  such   recapitalization  or  consolidation,   merger  or
conveyance.

<PAGE>

     9. Sale of the Company. (a) Notwithstanding any provision in this Agreement
to the contrary,  in the event of a Sale of the Company (as defined in paragraph
(b) below), the Option, at the election of the Company,  shall be terminated and
the Optionee  shall receive an amount in cash equal to the  differences  between
the  purchase  price in effect at the time of such Sale of the  Company  and the
Fair Market Value (as defined in paragraph  (b) below) of the Shares  subject to
the then remaining unexercised portion of the Option.

             (b)  For  the  purposes of this Section 9 the following terms shall
have the indicated meanings:

                      (i) "Sale of the Company" means a Change of Control of the
Company  (as defined in clause (ii) below) or a sale of all of the assets of the
Company in a single transaction or a series of related transactions.

                      (ii) "Fair Market Value" per share on any given date means
the  average  of the  closing  prices  of the sales of the  Common  Stock on all
securities exchanges on which such stock may at the time be listed, or, if there
have been no sales on any such  exchanges  at the end of such day, or, if on any
day the Common stock is not so listed, the average of the representative bid and
asked prices  quoted on the Nasdaq Stock Market as of 4:00 P.M.,  New York time,
or , if on any day the Common  Stock is not quoted on the Nasdaq  Stock  Market,
the  average  of the  highest  bid and  lowest  asked  prices on such day in the
domestic  over-the-counter  market as reported by the National Quotation Bureau,
Incorporated,  or any similar successor organization.  If at any time the Common
Stock is not  listed  or  quoted,  the Fair  Market  Value  per  share  shall be
determined  by the Board of Directors of the Company in good faith based on such
factors as the members  thereof,  in the  exercise of their  business  judgment,
consider relevant.

     10.  Compliance with Law and Regulations.  The Option and the obligation of
the  Company  to sell and  deliver  Shares  hereunder  shall be  subject  to all
applicable  federal and state laws,  rules and regulations and to such approvals
by any governmental or regulatory  agency as may be required.  The Company shall
not be required to issue or deliver any certificates for shares prior to (i) the
listing of such Shares on any stock  exchange on which the Common Stock may then
be listed and (ii) the completion of any  registration or  qualification of such
Shares  under  any  federal  or  state  law,  or any rule or  regulation  of any
government  body which the Board of Directors of the Company shall,  in its sole
discretion, determine to be necessary or advisable. Moreover, the Option may not
be exercised if its exercise or the receipt of Shares pursuant thereto, would be
contrary to applicable law.

     11.  Investment  Representation.  The Board of Directors of the Company may
require the  Optionee to furnish to the  Company,  prior to the  issuance of any
Shares upon the exercise of any Option,  an agreement (in such form as the Board
of  Directors  may  specify) in which the  Optionee  represents  that the Shares
acquired by the Optionee upon exercise are being acquired for investment and not
with a view to the sale or distribution thereof.

     12.  Continued  Services.  Neither this  Agreement  nor any Option  granted
hereunder  shall  confer  upon the  Optionee  any  right to  continue  to render
services  to the  Company  or any  subsidiary  of the  Company,  or limit in any
respect the right of the Company,  the board of Directors of the Company, or any
subsidiary of the Company to terminate the services of the Optionee at any time.

<PAGE>

     13. Notices.  Any notice  hereunder to the Company shall be addressed to it
at its  offices,  7419  East Helm  Drive,  Scottsdale,  AZ 85260 and any  notice
hereunder to Optionee shall be addressed to Edward T. Whelan,  President, at 224
Middle Road, 2nd floor, Hazlet, New Jersey 07730, subject to the right of either
party to designate at any time hereafter in writing some other address.

     14. Governing Law. This Agreement shall be interpreted,  and the rights and
liabilities of the parties hereto  determined , in accordance  with the internal
laws of the State of neutral  jurisdiction  of  Arizona,  without  regard to the
conflicts of law principles thereof.

     15.  Counterparts.  This Agreement may be executed in two counterparts each
of which shall constitute one and the same instrument.

     IN WITNESS  WHEREOF,  the undersigned  have signed this Agreement as of the
date and year first above written.

ONESOURCE TECHNOLOGIES, INC.

By: /s/ Jerry Wshburn
-----------------------------
Mr. Jerry Washburn, President

XCEL ASSOCIATES, INC.

By: /s/ E. T. Whelan
----------------------------
Edward T. Whelan, President

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