Document:

<PAGE>

                                                                  EXHIBIT 4.15.2

              REAFFIRMATION AND RATIFICATION AGREEMENT WITH LAURUS

                                                              August 15, 2005
Laurus Master Fund, Ltd.
c/o Laurus Capital Management LLC
825 Third Avenue
New York, New York 10022

Ladies and Gentlemen:

         Reference is made to (a) the Subsidiary Guaranty, dated as of May 14,
2004 (the "2004 Guaranty"), made by NOL Group, Inc. ("NOL"), National Online
Services, Inc. ("National Online"), Liberty Online Services, Inc. ("Liberty
Online"), Ameripages, Inc. ("Ameripages"), Epixtar International Contact Center
Group, Inc. (f/k/a Epixtar BPO Services Corp. ) ("International Contact"), B2B
Advantage, Inc. ("B2B", and collectively with NOL, National Online, Liberty
Online, Ameripages and International Contact, the "Original Guarantors"),
Epixtar International Contact Center Group, Ltd. ("Epixtar International"), and
Epixtar Philippines IT-Enabled Services Corporation ("Epixtar Philippines") in
favor of Laurus Master Fund, Ltd. ("Laurus"), (b) the Guaranty, dated as of
April 29, 2005 (the "2005 Guaranty"), made by the Original Guarantors, Epixtar
Corp. ("EPXR"), Voxx Corporation ("Voxx"), and Epixtar Marketing Corp. ("Epixtar
Marketing") in favor of Laurus, (c) the Master Security Agreement, dated as of
May 14, 2004 (the "2004 Master Security Agreement"), among EPXR, the Original
Guarantors and Laurus (d) the Master Security Agreement, dated as of April 29,
2005 (the "2005 Master Security Agreement"), among EPXR, the Original
Guarantors, Voxx, Epixtar Marketing and Laurus, (e) the Stock Pledge Agreement,
dated as of May 14, 2004 (the "2004 Stock Pledge"), among EPXR, the Original
Guarantors and Laurus and (f) the Stock Pledge Agreement, dated as of April 29,
2005 (the "2005 Stock Pledge"), among EPXR, the Original Guarantors, Voxx,
Epixtar Marketing and Laurus, as amended, modified and supplemented from time to
time (collectively, the "Agreements").

         To induce Laurus to enter into an Amendment Agreement dated as of the
date hereof among EXPR, the Original Guarantors, Voxx, Epixtar Marketing and
Laurus (the "Amendment Agreement") pursuant to which Laurus agreed to increase
the maximum loan amount available to EXPR under (a) a Securities Purchase
Agreement dated as of July 15, 2005 between EPXR and Laurus (as amended by the
Amendment Agreement and as may be further amended, restated, modified or
supplemented from time to time, the "Securities Purchase Agreement") and (b) a
Secured Convertible Term Note dated as of July 15, 2005 by EPXR in favor of
Laurus (as amended by the Amendment Agreement and as may be further amended,
restated, modified or supplemented from time to time, the "Term Note"), each of
the undersigned hereby:

         1. represents and warrants to Laurus that it has reviewed and approved
the terms and provisions of the Amendment Agreement and the documents,
instruments and agreements entered into in connection therewith;

         2. acknowledges, ratifies and confirms that all of the terms,
conditions, representations and covenants contained in the Agreements are in
full force and effect and shall remain in full force and effect after giving
effect to the execution and effectiveness of the Amendment Agreement;

         3. acknowledges, ratifies and confirms that all liabilities and
obligations of each of the undersigned under the Agreements include, without
limitation, all obligations and liabilities of EPXR under the Securities
Purchase Agreement, the Term Note and the Related Agreements (as defined in the
Securities Purchase Agreement), each as amended by the Amendment Agreement;

                                       1
<PAGE>

         4. represents and warrants that no offsets, counterclaims or defenses
exist as of the date hereof with respect to any of the undersigned's obligations
under any Agreement;

         5. acknowledges, ratifies and confirms the grant by each such
undersigned to Laurus of a security interest and charge, to the extent
applicable, in the assets of such undersigned as more specifically set forth in
the Agreements;

         6. acknowledges, ratifies and confirms that the term "Indebtedness"
under the 2004 Stock Pledge and the 2005 Stock Pledge and the term "Obligations"
under the 2004 Guaranty, the 2005 Guaranty, the 2004 Master Security Agreement
and the 2005 Master Security Agreement include, without limitation, all
obligations and liabilities of EPXR to Laurus under the Securities Purchase
Agreement, the Term Note and the Related Agreements (as defined in the
Securities Purchase Agreement), each as amended by the Amendment Agreement, and
all other obligations and liabilities of the undersigned to Laurus (including
interest accruing after the filing of any petition in bankruptcy, or the
commencement of any insolvency, reorganization or like proceeding, whether or
not a claim for post-filing or post-petition interest is allowed or allowable in
such proceeding), whether now existing or hereafter arising, direct or indirect,
liquidated or unliquidated, absolute or contingent; and

         7. releases, remises, acquits and forever discharges Laurus and Laurus'
employees, agents, representatives, consultants, attorneys, fiduciaries,
officers, directors, partners, predecessors, successors and assigns, subsidiary
corporations, parent corporations, and related corporate divisions (all of the
foregoing hereinafter called the "Released Parties"), from any and all actions
and causes of action, judgments, executions, suits, debts, claims, demands,
liabilities, obligations, damages and expenses of any and every character, known
or unknown, direct and/or indirect, at law or in equity, of whatsoever kind or
nature, for or because of any matter or things done, omitted or suffered to be
done by any of the Released Parties prior to and including the date of execution
hereof, and in any way directly or indirectly arising out of or in any way
connected to this Reaffirmation and Ratification Agreement, the Agreements, the
Amendment Agreement, the Securities Purchase Agreement, the Term Note, the
Related Agreements (as defined in the Securities Purchase Agreement), the
Securities Purchase Agreement, dated as of May 14, 2004 (as amended, restated,
modified or supplemented, the "May 2004 Securities Purchase Agreement"), between
EPXR and Laurus, the Related Agreements (as defined in the May 2004 Securities
Purchase Agreement), the Securities Purchase Agreement, dated as of April 29,
2005 (as amended, restated, modified or supplemented, the "April 2005 Securities
Purchase Agreement"), among EPXR, Voxx and Laurus, the Related Agreements (as
defined in the April 2005 Securities Purchase Agreement) or any other document,
instrument or agreement made by the undersigned in favor of Laurus.

         This agreement shall be governed by and construed in accordance with
the laws of the State of New York.

             [THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK.]

                                       2

<PAGE>

                                  Very truly yours,

                                  EPIXTAR CORP.
                                  By:
                                  Name:
                                  Title:

                                  VOXX CORPORATION
                                  By:
                                  Name:
                                  Title:

                                  EPIXTAR MARKETING CORP.
                                  By:
                                  Name:
                                  Title:

                                  NOL GROUP, INC.
                                  By:
                                  Name:
                                  Title:

                                  NATIONAL ONLINE SERVICES, INC.
                                  By:
                                  Name:
                                  Title:

                                       3
<PAGE>

                                  LIBERTY ONLINE SERVICES, INC.
                                  By:
                                  Name:
                                  Title:

                                  AMERIPAGES, INC.
                                  By:
                                  Name:
                                  Title:

                                  B2B ADVANTAGE, INC.
                                  By:
                                  Name:
                                  Title:

                                  EPIXTAR INTERNATIONAL CONTACT CENTER
                                    GROUP, INC.
                                  By:
                                  Name:
                                  Title:

                                  EPIXTAR INTERNATIONAL CONTACT CENTER
                                    GROUP, LTD.
                                  By:
                                  Name:
                                  Title:

                                       4
<PAGE>

                                  EPIXTAR PHILIPPINES IT-ENABLED SERVICES
                                  CORPORATION
                                  By:
                                  Name:
                                  Title:

ACCEPTED AND AGREED TO:

LAURUS MASTER FUND, LTD.
By:     ____________________________________
Name:   ____________________________________
Title:  ____________________________________

                                       5<PAGE>

                                                                   EXHIBIT 10.18

                              SETTLEMENT AGREEMENT

         This Settlement Agreement ("Agreement"), effective as of the date
executed by all parties below, is made between SER SOLUTIONS, INC., having a
place of business at 21680 Ridgetop Circle, Dulles, VA 20166 ("SER"), and
EPIXTAR CORPORATION ("EPIXTAR CORP."), VOXX CORPORATION ("VOXX"), INNOVATIVE
STRATEGIES, INC. ("IMS") and EPIXTAR MARKETING CORPORATION ("EMC") (collectively
"Epixtar"), each having a place of business at 11900 Biscayne Boulevard, Suite
700, Miami, Florida 33181.

         WHEREAS, SER and IMS are parties to a software license agreement dated
November 3, 2003 (entitled "SER Solutions, Inc. Standard Terms and Conditions:
Telephony" (Rev. 1.11.03); herein "Software License Agreement"); and

         WHEREAS, SER and IMS are parties to a Maintenance Agreement for the SER
Software between SER and IMS dated November 3, 2003 (entitled "SER Solutions,
Inc. Maintenance Terms and Conditions: Telephony," (Rev. 1.11.03) and "SER
Solutions, Inc. Maintenance Service Addendum: Telephony" (Rev. 1.11.03)
collectively "Maintenance Agreement"); and

         WHEREAS, on or about March 1, 2004, SER and IMS entered into a
Confession of Judgment Promissory Note ("Promissory Note") in the amount of
$698,641.81; and

         WHEREAS, Epixtar failed to pay multiple invoices for maintenance and
support services due under the Maintenance Agreement in an amount of
approximately $117,000; and

         WHEREAS, Epixtar failed to make certain installment payments under the
Promissory Note and on March 25, 2005, under the terms of the Promissory Note, a
Confession of Judgment in the amount of $539,756.00 was entered against IMS by
the Fairfax County Circuit Court ("Judgment"); and

         WHEREAS, on June 3, 2005, SER terminated the Software License Agreement
and Maintenance Agreement; and

         WHEREAS, SER filed a lawsuit against Epixtar in a case styled SER
Solutions, Inc. v. Epixtar, et al., Civ. No. 1:05 CV 674 (E.D. Va.), alleging
copyright infringement, breach of contract, misappropriation of trade secrets in
violation of the Virginia Trade Secrets Act, conversion, and unjust enrichment
(the "Litigation"); and

         WHEREAS, SER filed a Motion for a Temporary Restraining Order and
Expedited Discovery in the Litigation, which was heard on June 17, 2005 (the
"TRO"); and

         WHEREAS, during the hearing on the Injunction, the Court ruled that SER
is entitled to the requested TRO and ordered that IMS and anyone acting in
active concert or participation with IMS (collectively "Epixtar"): (i) shall, no
later than June 24, 2005 at 5:00 p.m. EDT, make any and all versions or copies
of SER's Software (as defined in the Litigation and TRO) available to SER by
modem access so that any and all SER Software may be immediately disabled by
SER; (ii) are ENJOINED from any use whatsoever of any SER Software after 5:00
p.m. on June 24, 2005 (and shall not reproduce, distribute or transfer any SER
Software prior to June 24, 2005); and (iii) shall, no later than June 30, 2005,
return to SER all versions and copies of the SER Software by returning to SER,
at SER's expense, all hard drives (including those located in the Call Manager
servers and Encore servers), and switches and cards containing any SER Software
(including as applicable in the Call Processors or TSP500s) so that SER would
promptly remove its Software and within seven (7) business days of receipt,
return all such hard drives, switches and cards; and

         WHEREAS, SER alleges that Epixtar is indebted to SER in an amount of at
least $706,000, which includes the Judgment, the past due amounts under the
Maintenance Agreement and SER's costs and attorneys fees for filing the
Litigation and the TRO ("Debt Due to SER"); and

                                       1
<PAGE>

         WHEREAS, SER and Epixtar (collectively the "Parties") wish to enter
into a business arrangement to resolve issues in the Litigation, Injunction, and
Judgment, and to reinstate the Software License Agreement and Maintenance
Agreement, pursuant to the terms herein; and

         WHEREAS, SER and IMS have conducted business together for many years
and the relationship between the companies has been managed by IMS' former
president Bradley Yeater; and

         WHEREAS, SER believes that for a business relationship to continue and
thrive between SER and Epixtar, that Mr. Yeater must remain SER's contact at
Epixtar and must continue to manage the relationship on behalf of Epixtar; and

         NOW, THEREFORE, for good and valuable consideration, the sufficiency of
which is hereby acknowledged, the Parties agree as follows:

         1. Epixtar will execute a standard SER Purchase Order no later than
June 23, 2005, in the amount of $3,070,000 ("PO"), pursuant to which Epixtar
will purchase at least 2,000 seats of SER's dialers ("Dialer Seats") based on
the schedule in Paragraph 1(c) below, which include software and hardware as set
forth in Paragraphs 1(a) and 1(b):

               a.   Software -- Epixtar may purchase either CPS or the CPS
                    Enterprise Edition ("CPS E(2)"), each of which would include
                    the latest version of the SER software. CPS does not include
                    the Contact Studio product.

               b.   Hardware -- If Epixtar elects to purchase CPS, the included
                    hardware is comprised of the applicable number of Call
                    Manager servers and TSP500 dialers configured at 288 seats
                    at a 2:1 line to agent ratio. If Epixtar elects to purchase
                    CPS E(2), the included hardware is comprised of the
                    applicable number of Application Servers, Portfolio Manager
                    Servers, and TSP500 dialers configured at 384 seats at a 2:1
                    line to agent ratio.

               c.   Dialer Seat delivery schedule and price (each row represents
                    a "Seat Bundle")

                             Delivery By:         Seats        Price per Seat
                             ------------         -----        --------------
                         June '05                  200           2500
                         Sep '05                   200           2200
                         Dec '05                   200           1900
                         March '06                 300           1600
                         June '06                  300           1300
                         Sep '06                   400           1000
                         Dec '06                   400            700

         2. In addition to spending at least $2,870,000 on purchasing 2,000
Dialer Seats as set forth in Paragraph 1(c), Epixtar will use the remaining
$200,000 of the PO to purchase additional SER products and/or services, such as
installation services, configuration services, spare part kits, and training.

               a.   SER resells a recording product manufactured by Wygant. In
                    the event Epixtar wishes to purchase the Wygant recording
                    product for all Dialer Seats in any Seat Bundle purchased
                    under the PO, SER will sell such Wygant product at a
                    per-seat price of $650 for voice recording only and $950 per
                    seat for voice recording plus Remote Client Monitoring,
                    Quality Reviewing Module, and screen recording.

                                       2
<PAGE>

         3. Within five (5) days of the execution of the PO, Epixtar shall issue
a press release, announcing that it has entered into an agreement to purchase
2,000 Dialer Seats of SER's outbound dialers ("Press Release"). Epixtar shall
provide a draft of such press release to SER for its review and approval prior
to issuing the press release.

         4. The Dialer Seats delivered under this Agreement shall be licensed
under the terms of SER's standard Software License Agreement.

         5. Epixtar shall pay for the Dialer Seats in each Seat Bundle as
follows: (i) an initial deposit of 50% of the total amount due for the Dialer
Seats in each Seat Bundle upon scheduling delivery of such Dialer Seats; and
(ii) the remaining 50% within ninety (90) days of the delivery of such Dialer
Seats.

         6. No later than June 31, 2005, Epixtar shall pay to SER the sum of
$250,000 ("Initial Deposit") by wire transfer, of which no less than $100,000
shall be paid by wire transfer no later than June 24, 2005. The Initial Deposit
shall be applied toward the 50% deposit due for delivery of the first Seat
Bundle.

         7. Epixtar shall execute SER's standard Confession of Judgment
Promissory Note in the amount of $3,423,000, which is comprised of $3,070,000
set forth in the PO and $353,000, which represents the 50% of the Debt Due to
SER that is not being forgiven under this Settlement Agreement, as set forth in
Paragraph 8 below ("New Note"). Epixtar may make prepayments under the New Note
at any time without penalty and all such prepayments shall be applied toward the
amounts due to SER under the PO and any amount of the Debt Due to SER that is
not forgiven under this Settlement Agreement.

         8. Upon SER's receipt of the Initial Deposit, the signed PO, the signed
MOF, the fully executed New Note, and Epixtar's issuance of the Press Release
(collectively "Conditions"), and subject to the terms of Paragraph 11 of this
Settlement Agreement, and Epixtar's compliance with the other terms of this
Settlement Agreement, SER will forgive $353,000 (50%) of the Debt Due to SER.

         9. In the event Epixtar agrees to replace all of its current outbound
dialer systems that are manufactured by any company other than SER, and agrees
to use SER dialers exclusively for its outbound operations, SER will forgive the
remaining $353,000 of the Debt Due to SER; provided Epixtar issues a press
release no later than June 30, 2005, announcing that it has standardized on SER
as its sole outbound dialer vendor and will replace the seats of its other
vendor(s). Epixtar shall provide a draft of such press release to SER for its
review and approval prior to issuing the press release.

         10. No later than June 24, 2005, Epixtar will execute a Maintenance
Order Form to expand the Maintenance Agreement to the new Dialer Seats being
purchased under the PO. Epixtar may select either a three (3) year or five (5)
year initial term under the following prices: (i) three (3) year term - $435.75
per seat; or (ii) five (5) year term - $379.00 per seat.

         11. Upon completion of the Conditions, SER will withdraw its Complaint
in the Litigation and will cease all attempts to collect any unpaid portion of
the Judgment; provided, however, that, notwithstanding any other provision of
this Settlement Agreement, in the event Epixtar breaches any term of this
Settlement Agreement or defaults on any payment obligation to SER contemplated
under this Settlement Agreement, SER may, at its election, declare the
Settlement Agreement null and void ab initio, and may resume any and all efforts
to collect the Judgment, reinstate the Litigation, seek the payment of all
unpaid Maintenance Fees, seek payment for all money damages and attorneys fees
(including the entire amount of the Debt Due to SER), and seek any and all
additional remedies or rights that may be available to SER. The Parties agree
that between the signing of this Settlement Agreement and June 30, 2005, each
Party will stay all activities relating to the Judgment, including SER's
attempts to collect the Judgment and Epixtar's attempts to set aside the
Judgment. Additionally, Epixtar agrees that it on or before June 30, 2005, it
will with withdraw papers filed in the Fairfax Circuit Court in an attempt to
set aside the Judgment.

                                       3
<PAGE>

         12. Upon completion of the Conditions, and subject to the terms of
Paragraph 11 of this Settlement Agreement, SER will reinstate the Software
License Agreement and the Maintenance Agreement for the 450 seats that were
licensed thereunder, each effective retroactively to June 3, 2005.

         13. Upon completion of the Conditions, and subject to the terms of
Paragraph 11 of this Settlement Agreement, SER, on behalf of itself and its
directors, officers, shareholders and employees (collectively the "SER
Releasors") releases and discharges Epixtar and its directors, officers,
shareholders and employees (the "Epixtar Released Parties") from any and all
claims against any of the Epixtar Released Parties based on or arising out of
claims alleged in the Litigation, Injunction, and Judgment.

         14. Epixtar, on behalf of itself and its directors, officers,
shareholders and employees (collectively the "Epixtar Releasors") hereby
releases and forever discharges SER and its directors, officers, shareholders
and employees (the "SER Released Parties") from any and all claims against any
of the SER Released Parties based on or arising out of claims alleged in the
Litigation, Injunction, and Judgment.

         15. No later than June 30, 2005, SER and Epixtar shall submit to the
United States District Court for the Eastern District of Virginia a joint
Consent Order dismissing without prejudice the Litigation. The Parties agree
that the Court shall retain jurisdiction to enforce the terms of this Settlement
Agreement.

         16. Epixtar shall ensure that Mr. Yeater shall remain SER's primary
contact at Epixtar and have continued responsibility to manage the ongoing
relationship between the companies during the term of this Settlement Agreement.

         17. Except as specifically set forth in this Settlement Agreement, each
Party shall bear its own costs and expenses, including attorneys' fees.

         18. Each Party acknowledges that it has reviewed and read this
Settlement Agreement, and it understands the terms of this Settlement Agreement
and the consequences of signing and delivering this Settlement Agreement.

         19. Each Party represents and warrants that it has the full power and
is authorized to execute this Settlement Agreement, and each person whose
signature appears on this Settlement Agreement on behalf of such Party has been
duly authorized and has full power and authority to execute this Settlement
Agreement on behalf of such Party.

         20. Each Party has had the opportunity to select and confer with
counsel of its choice to review and read this Settlement Agreement, and has
inquired of and discussed with such counsel the consequences of the execution of
this Settlement Agreement and its delivery to the other Parties.

         21. Epixtar on behalf of itself and the Epixtar Releasors, warrants and
represents that it has not assigned, transferred, sold or otherwise permitted
any third party to use any of the SER Software. The Parties represent that they
have not assigned, transferred, or otherwise alienated the potential claims or
demands that relate to the Litigation.

         22. This Settlement Agreement may be executed in any number of
counterparts and any Party hereto may execute any such counterpart each of which
when executed and delivered shall be deemed to be an original and all of which
counterparts taken together shall constitute but one and the same instrument.

         23. This Agreement and any Exhibits hereto represent the complete and
exclusive statement of the terms of their agreement with respect to the subject
matter hereof and supersedes all prior communications, offers, agreements,
understandings, or representations of any kind or character, whether written or
oral, related to such subject matter. Any unwritten terms, covenants,
conditions, or representations, if any, that may have been made are agreed to be
immaterial, and none of them were relied upon by any Party in entering into this
Agreement.

                                       4

<PAGE>

         24. All notices, requests or other communications in connection with or
relating to this Agreement must be in writing and sent by (a) certified mail,
with return receipt requested, (b) Federal Express or other overnight service or
(c) by facsimile and regular mail. A notice shall be deemed to have been
delivered on the date that it was sent.

         Notices shall be sent to the following addresses:

<TABLE>
<S>                                                                      <C>
                 SER SOLUTIONS, INC.                                     EPIXTAR CORPORATION, IMS, VOXX and EMC
                 c/o Charles B. Molster, III                             Gary Meringer, Steven J. Silverman
                 Winston & Strawn LLP                                    General Counsel
                 1700 K Street, N.W.                                     Epixtar Corporation
                 Washington, D.C. 20006                                  11900 Biscayne Boulevard
                 Phone: (202) 282-5988                                   Suite 700
                 Fax: (202) 282-5100                                     Miami, Florida 33181
                                                                         Phone: (305) 503-8600
                                                                         Fax: (305) 503-8610

                 With copy to                                            With a copy to:
                 SER Solutions, Inc.                                     Bradley Yeater
                 c/o General Counsel                                     EPIXTAR MARKETING CORP.
                 21680 Ridgetop Circle                                   11900 Biscayne Boulevard
                 Dulles, VA 20166                                        Suite 700
                                                                         Miami, Florida 33181
</TABLE>

The Parties may, by written notice, designate a different address for notices,
requests or other communications or different or additional persons to be
notified or to receive requests or other communications.

         25. No modification, amendment or waiver of any of the terms or
provisions of this Agreement shall bind the Parties unless such modification,
amendment or waiver is in writing and has been executed by a duly authorized
representative of the entity against whom such modification, amendment or waiver
is sought to be enforced. No delay or omission by either Party in exercising any
right or power occurring upon any noncompliance or default by the other with
respect to any of the terms and provisions of this Agreement will impair any
such right or power or be construed to be a waiver thereof. A waiver by any of
the Parties of any of the covenants, conditions or agreements to be performed by
the other will not be construed to be a waiver by that Party of any succeeding
breach thereof or of any other covenant, condition or agreement contained in
this Agreement.

         26. This Settlement Agreement and any disputes regarding its
interpretation or enforcement shall be governed by the law of the Commonwealth
of Virginia, without regard to its choice of law provisions, and any litigation
relating to or arising from this Agreement may only be brought in the state or
federal courts of the Commonwealth of Virginia, and the Parties agree to be
bound by the jurisdiction of such courts.

         27. This Agreement is a negotiated document prepared by one party as a
matter of convenience. In the event of any dispute between the parties, neither
party shall assert that the provisions of this Agreement should be construed
against or in favor of either party solely as a consequence of such party's
preparation, or lack of preparation, of this Agreement.

         IN WITNESS WHEREOF, the undersigned have executed this Settlement
Agreement intending to be fully bound by its terms, effective this __th day of
June 2005.

                                       5
<PAGE>

<TABLE>
<S>                                                                             <C>
EPIXTAR CORPORATION

By:  ______________________________________                                     DATE:  June __, 2005
Title:  ___________________________________

INNOVATIVE MARKETING STRATEGIES, INC.

By:  ______________________________________                                     DATE:  June __, 2005
Title:  ___________________________________

VOXX CORPORATION

By:  ______________________________________                                     DATE:  June __, 2005
Title:  ___________________________________

EPIXTAR MARKETING CORP.

By:  ______________________________________                                     DATE:  June ___, 2005
Title:  ___________________________________

SER SOLUTIONS, INC.

By:  ______________________________________                                     DATE:  June ___, 2005
Title:  ___________________________________

</TABLE>

                                       6

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00089-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00089-of-00352.parquet"}]]