Document:

EMPLOYMENT AGREEMENT

         WHEREAS, Symons International Group, Inc.("SIG") and Goran Capital Inc.
("Goran")  (collectively,  SIG  and  Goran  are  referred  to as the  "Company")
consider it in SIG's best  interests to employ Gregg Albacete  ("You",  "Your"or
"Executive"), upon the terms and conditions hereinafter set forth; and

         WHEREAS,  the  Executive  desires to be employed by SIG, upon the terms
and conditions contained herein.

         NOW,  THEREFORE,  in  consideration of the covenants and agreements set
forth below, the parties agree as follows:

1.       Employment

         1.1 Term of Agreement. SIG agrees to employ Executive as Vice President
and Chief  Information  Officer  effective as of January 26, 2000 and continuing
until January 26, 2003 unless such employment is terminated  pursuant to Section
3 below; provided,  however, that the term of this Agreement shall automatically
be extended  without  further action of either party for additional one (1) year
periods  thereafter unless the Company or Executive gives written notice that it
or he does not intend to extend this Agreement (the "Term").

         1.2 Terms of  Employment.  During the Term, You agree to be a full-time
employee of SIG serving in the position of Vice President and Chief  Information
Officer of SIG and further  agree to devote  substantially  all of Your  working
time and  attention  to the  business  and  affairs  of SIG and,  to the  extent
necessary to discharge  the  responsibilities  associated  with Your position as
Vice President and Chief Information Officer of SIG and to use Your best efforts
to perform  faithfully and efficiently  such  responsibilities.  Executive shall
perform such duties and  responsibilities as may be determined from time to time
by the Chief Executive  Officer or Executive Vice President of SIG, which duties
shall be consistent  with the position of Vice  President and Chief  Information
Officer of SIG, which shall grant Executive authority, responsibility, title and
standing  comparable to that of the vice president and chief information officer
of a stock insurance holding company of similar standing.  Your primary place of
work will be at the Company's  headquarters in Indianapolis,  Indiana, but it is
understood and agreed that your duties may require travel.  Nothing herein shall
prohibit  You from  devoting  Your time to civic  and  community  activities  or
managing  personal  investments,  as long as the foregoing do not interfere with
the performance of Your duties hereunder.

<PAGE>

         1.3  Appointment  and  Responsibility.  The Board of  Directors  of SIG
shall,  following  the  effective  date of this  Agreement,  elect  and  appoint
Executive as Vice  President  and Chief  Information  Officer.  Consistent  with
Section 1.2 of this Agreement,  Executive shall be primarily responsible for the
information systems of the Company.

2.       Compensation, Benefits and Prerequisites

         2.1 Salary.  Company shall pay Executive a salary,  in equal  bi-weekly
installments,  equal to an  annualized  salary rate of One Hundred  Seventy Five
Thousand  Dollars  ($175,000).  Executive's  salary as payable  pursuant to this
Agreement  may be  increased  from  time  to  time as  mutually  agreed  upon by
Executive  and  the  Company.   Notwithstanding  any  other  provision  of  this
Agreement,  Executive's  salary  paid by  Company  for any year  covered by this
Agreement  shall  not be  less  than  such  salary  paid  to  Executive  for the
immediately preceding calendar year.

         2.2 Bonus.  The Company  and  Executive  understand  and agree that the
Company expects to achieve  significant growth during the term of this Agreement
and that Executive will make a material  contribution  to that growth which will
require  certain  personal and  familial  sacrifices  on the part of  Executive.
Accordingly,  it is the desire and intention of the Company to reward  Executive
for the attainment of that growth through bonus and other means (including,  but
not limited to,  stock  options,  stock  appreciation  rights and other forms of
incentive  compensation).  Therefore,  the Company will pay Executive a lump-sum
bonus of up to  Seventy-Five  Thousand  Dollars  ($75,000)  (subject  to  normal
withholdings)  within  sixty (60)  business  days from receipt by Company of its
consolidated,  annual audited  financial  statements.  Executive's bonus for the
year ended  December  31, 2000 shall be in an amount not less than  Thirty-Seven
Thousand  Five Hundred  Dollars  ($37,500).  Additional  bonus  amounts shall be
subject to the  discretion of the Chief  Executive  Officer and  Executive  Vice
President of the Company.

         2.3 Employee Benefits.  During the term of this Agreement, You shall be
entitled  to  participate  in all  incentive,  savings,  and  retirement  plans,
practices,  policies, and programs available generally to other employees of the
Company. During the term of this Agreement,  You and/or Your family, as the case
may be, shall be eligible for  participation  in and shall  receive all benefits
under  welfare  benefit  plans,  practices,  policies,  and  programs  available
generally to other employees of the Company.

<PAGE>

         2.4      Additional Prerequisites.  During the term of this Agreement,
                  Company shall provide Executive with:

         (a)      Not less than four (4) weeks paid vacation during each
                  calendar year.

         (b)      An automobile allowance equal to the value of a Suburban,  but
                  in no event in excess of seven hundred fifty dollars ($750.00)
                  per month.

         2.5 Expenses. During the period of his employment hereunder,  Executive
shall be entitled to receive  reimbursement from the Company (in accordance with
the policies  and  procedures  in effect for the  Company's  employees)  for all
reasonable travel,  entertainment and other business expenses incurred by him in
connection with his services hereunder.

         2.6 Hiring Bonus. The Company will pay Executive Fifty Thousand Dollars
($50,000) upon  commencement of employment.  Should the  Executive's  employment
with the Company  terminate  within the first twelve (12) months of  employment,
including  termination for cause and excluding other termination by the Company,
the Executive shall  immediately  reimburse the Company the sum of Four Thousand
One Hundred  Sixty-Six  Dollars  ($4,166) for each remaining  month of the first
twelve (12) months of employment.

         2.7      Relocation Expense.

(a)                Company will cover the direct costs of moving  Executive  and
                   his  family  from  Dallas,  Texas to  Indianapolis,  Indiana,
                   including  house-hunting visits to Indianapolis,  packing and
                   unpacking of household goods, and insurance.

(b)      Company will pay realtor fees of up to seven percent (7%) on the sale
         of Executive's Dallas, Texas home.

(c)           Company will pay all closing costs on an Indianapolis home.

(d)               Company will reimburse Executive for temporary living expenses
                  in  Indianapolis  and weekly travel to and from Dallas,  Texas
                  until the relocation is complete.

         2.8 Stock  Options.  Executive  shall be eligible to participate in the
Company's stock option plan and will be granted 10,000 options for shares of SIG
at the  market  price on the first day of the Term.  Executive's  stock  options
shall be issued  pursuant to the Symons  International  Group,  Inc.  1996 Stock
Option Plan and a Stock Option  Agreement  with respect  thereto  which shall be
substantially in the form of Exhibit A attached  hereto.  The options shall vest
and become  exercisable  by the Executive  pro-rata over a three (3) year period
from the date of grant.

3.       Termination of Executive's Employment

         3.1 Termination of Employment and Severance Pay. Executive's employment
under  this  Agreement  may be  terminated  by the  Company  at any time for any
reason; provided,  however, that if Executive's employment is terminated for any
reason other than for cause, he shall receive, as severance pay, an amount equal
to his  salary  for a period  of one (1) year  from the date of  termination  of
employment.  Further, if Executive shall be terminated without cause, receipt of
severance  payments are conditioned  upon execution by Executive and the Company
of that mutual Agreement of Release and Waiver attached hereto as Exhibit B.

         3.2      Cause.  For purposes of this Section 3, "cause" shall mean:

         (a)      the Executive being convicted in the United States of America,
                  any State therein,  or the District of Columbia,  or in Canada
                  or any Province therein (each, a "Relevant Jurisdiction"),  of
                  a crime for which the maximum penalty may include imprisonment
                  for one year or longer (a  "felony") or the  Executive  having
                  entered  against him or consenting to any judgment,  decree or
                  order (whether  criminal or otherwise)  based upon  fraudulent
                  conduct or violation of securities laws;

         (b)      the Executive's  being indicted for, charged with or otherwise
                  the subject of any formal  proceeding  (criminal or otherwise)
                  in connection with any felony, fraudulent conduct or violation
                  of securities  laws, in a case brought by a law enforcement or
                  securities  regulatory  official,  agency  or  authority  in a
                  Relevant Jurisdiction;

         (c)      the Executive  engaging in fraud,  or engaging in any unlawful
                  conduct  relating to the Company or its business,  in
                  either case as determined under the laws of any Relevant
                  Jurisdiction;

         (d)      the Executive breaching any provision of this Agreement;

         (e)      gross negligence or willful misconduct by the Executive in the
                  performance of his duties hereunder; or

         (f)      failure of the  Executive  to follow the written  directive of
                  the Chief Executive Officer of Executive Vice President of the
                  Company  such  that  the   activities  of  the  Executive  are
                  detrimental to the business operations.

<PAGE>

         3.3 Change of Control.  Notwithstanding  any other  provisions  of this
Agreement,  if (i) a Change of Control shall occur;  and (ii) within twelve (12)
months of any such Change of Control, (a) Company (including its successors,  if
any) shall require  Executive to perform his duties and obligations  pursuant to
this  Agreement in a location  other than the city of employment of Executive at
the time of such Change of Control, or (b) Company (including its successors, if
any) shall  materially  change the  duties,  authority  or  responsibilities  of
Executive  such  that the  same are  materially  inconsistent  with the  duties,
authority  or  responsibilities  of  Executive  at the  time of such  Change  of
Control,  then  Executive's  employment  under this Agreement shall be deemed to
have  terminated  for other  than cause  pursuant  to Section  3.1  hereof,  and
Executive  shall be entitled to receive  salary and benefits as provided in such
Section 3.1. In addition,  Executive's  stock options shall vest immediately and
Executive  may  exercise  such  options  within  four  (4)  weeks of the date of
termination of  employment.  In the event  Executive  shall fail to exercise the
options within four (4) weeks of  termination  of employment,  the options shall
expire.

                 A Change of  Control  shall  mean the  inability  of the Symons
family  to cause the  election  of a  majority  of the  members  of the Board of
Directors of Goran  Capital  Inc.,  Symons  International  Group,  Inc. or their
respective successors.

         3.4 Disability. So long as otherwise permitted by law, if Executive has
become permanently disabled from performing his duties under this Agreement, the
Company's  Chairman  of the  Board,  may,  in  his  discretion,  determine  that
Executive  will not return to work and  terminate  his  employment  as  provided
below. Upon any such termination for disability,  Executive shall be entitled to
such disability,  medical, life insurance, and other benefits as may be provided
generally  for  disabled  employees  of  Company  during  the  period he remains
disabled.  Permanent  disability  shall be  determined  pursuant to the terms of
Executive's long term disability  insurance  policy provided by the Company.  If
Company elects to terminate this Agreement  based on such permanent  disability,
such termination shall be for cause.

         3.5  Indemnification.  Executive  shall be indemnified by Company (and,
where  applicable,   its  subsidiaries)  to  the  maximum  extent  permitted  by
applicable law for actions  undertaken for, or on behalf of, the Company and its
subsidiaries.

4.       Non-Competition, Confidentiality and Trade Secrets

         4.1  Noncompetition.  In consideration  of the Company's  entering into
this Agreement and the  compensation  and benefits to be provided by the Company
to You hereunder,  and further in  consideration of Your exposure to proprietary
information of the Company, You agree as follows:

(a)      Until the date of  termination  or expiration of this  Agreement for
                 any reason (the "Date of  Termination")  You agree not to enter
                 into competitive  endeavors and not to undertake any commercial
                 activity which is contrary to the best interests of the Company
                 or its affiliates,  including, directly or indirectly, becoming
                 an employee,  consultant, owner (except for passive investments
                 of not more than one percent (1%) of the outstanding shares of,
                 or any other equity  interest in, any company or entity  listed
                 or  traded  on  a  national   securities   exchange  or  in  an
                 over-the-counter securities market), officer, agent or director
                 of, or otherwise  participating  in the management,  operation,
                 control  or  profits  of (a) any firm or person  engaged in the
                 operation of a business engaged in the acquisition of insurance
                 businesses  or (b) any firm or  person  which  either  directly
                 competes  with a line  or  lines  of  business  of the  Company
                 accounting for five percent (5%) or more of the Company's gross
                 sales,  revenues  or  earnings  before  taxes or  derives  five
                 percent  (5%) or more of such firm's or person's  gross  sales,
                 revenues  or  earnings  before  taxes  from a line or  lines of
                 business   which    directly    compete   with   the   Company.
                 Notwithstanding   any  provision  of  this   Agreement  to  the
                 contrary,  You agree that Your breach of the provisions of this
                 Section  4.1(a)  shall  permit the  Company to  terminate  Your
                 employment for cause.

         (b)      If Your employment is terminated by You, or by reason of Your
                 Disability,  by the Company for cause,  or pursuant to a notice
                 of non-renewal of this  Agreement,  then for one (1) year after
                 the Date of Termination,  You agree not to become,  directly or
                 indirectly, an employee,  consultant, owner (except for passive
                 investments   of  not  more  than  one  percent   (1%)  of  the
                 outstanding  shares of, or any other  equity  interest  in, any
                 company  or entity  listed or traded on a  national  securities
                 exchange or in an over-the-counter securities market), officer,
                 agent or  director  of,  or  otherwise  to  participate  in the
                 management,  operation,  control  or  profits  of,  any firm or
                 person which  directly  competes with a business of the Company
                 which at the Date of Termination produced any class of products
                 or business  accounting  for five  percent  (5%) or more of the
                 Company's  gross  sales,  revenues or earnings  before taxes at
                 which the Date of Termination derived five percent (5%) or more
                 of such firm's or person's  gross  sales,  revenues or earnings
                 before taxes.  It is expressly  agreed and understood that this
                 Section  4.1(b)  shall  not  apply  to a public  accounting  or
                 consulting firm.

<PAGE>

         (c)      You  acknowledge  and agree that  damages  for breach of the
                 covenant  not to compete in this  Section 4.1 will be difficult
                 to determine  and will not afford a full and  adequate  remedy,
                 and  therefore  agree that the Company  shall be entitled to an
                 immediate   injunction  and  restraining   order  (without  the
                 necessity  of a bond) to prevent such breach or  threatened  or
                 continued  breach by You and any persons or entities acting for
                 or with You, without having to prove damages,  and to all costs
                 and  expenses  (if a court or  arbitrator  determines  that the
                 Executive  has  breached  the  covenant  not to compete in this
                 Section 4.1, including reasonable attorneys' fees and costs, in
                 addition  to any other  remedies  to which the  Company  may be
                 entitled at law or in equity.  You and the  Company  agree that
                 the  provisions of this covenant not to compete are  reasonable
                 and  necessary  for  the  operation  of  the  Company  and  its
                 subsidiaries. However, should any court or arbitrator determine
                 that  any   provision  of  this  covenant  not  to  compete  is
                 unreasonable,  either in period of time,  geographical area, or
                 otherwise,  the parties agree that this covenant not to compete
                 should be interpreted  and enforced to the maximum extent which
                 such court or arbitrator deems reasonable.

         4.2 Confidentiality.  You shall not knowingly disclose or reveal to any
unauthorized  person,  during  or after  the  Term,  any  trade  secret or other
confidential  information (as outlined in the Indiana Uniform Trade Secrets Act)
relating to the  Company or any of its  affiliates,  or any of their  respective
businesses or principals, and You confirm that such information is the exclusive
property of the Company and its  affiliates.  You agree to hold as the Company's
property all memoranda,  books,  papers,  letters and other data, and all copies
thereof or therefrom, in any way relating to the business of the Company and its
affiliates, whether made by You or otherwise coming into Your possession and, on
termination  of Your  employment,  or on demand of the  Company at any time,  to
deliver the same to the Company.

         Any ideas, processes, characters,  productions, schemes, titles, names,
formats,  policies,   adaptations,   plots,  slogans,   catchwords,   incidents,
treatment,  and dialogue which You may conceive,  create,  organize,  prepare or
produce during the period of Your  employment and which ideas,  processes,  etc.
relate to any of the  businesses  of the Company,  shall be owned by the Company
and its  affiliates  whether  or not You should in fact  execute  an  assignment
thereof to the Company, but You agree to execute any assignment thereof or other
instrument or document  which may be reasonably  necessary to protect and secure
such rights to the Company.

<PAGE>

5.       Miscellaneous

         5.1      Amendment.  This Agreement may be amended only in writing,
                  signed by both parties.

         5.2 Entire Agreement.  This Agreement contains the entire understanding
of the parties with regard to all matters contained  herein.  There are no other
agreements,  conditions  or  representations,  oral  or  written,  expressed  or
implied,  with regard to the  employment of Executive or the  obligations of the
Company  or the  Executive.  This  Agreement  supersedes  all  prior  employment
contracts and non-competition agreements between the parties.

         5.3 Notices. Any notice required to be given under this Agreement shall
be in  writing  and shall be  delivered  either in  person  or by  certified  or
registered mail, return receipt requested. Any notice by mail shall be addressed
as follows:

         If to the Company, to:

         Chief Executive Officer
         Symons International Group, Inc.
         4720 Kingsway Drive
         Indianapolis, Indiana  46205

         If to Executive, to:

         Gregg Albacete

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

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

or to such other  addresses  as one party may  designate in writing to the other
party from time to time.

         5.4 Waiver of Breach. Any waiver by either party of compliance with any
provision of this Agreement by the other party shall not operate or be construed
as a waiver of any  other  provision  of this  Agreement,  or of any  subsequent
breach by such party of a provision of this Agreement.

<PAGE>

         5.5 Validity.  The invalidity or  unenforceability  of any provision of
this  Agreement  shall not affect the  validity or  enforceability  of any other
provision of this Agreement, which shall remain in full force and effect.

         5.6      Governing  Law.  This  Agreement  shall be  interpreted  and
enforced  in  accordance  with the laws of the State of Indiana, without giving
effect to conflict of law principles.

         5.7 Headings. The headings of articles and sections herein are included
solely for  convenience  and  reference  and shall not  control  the  meaning or
interpretation of any of the provisions of this Agreement.

         5.8  Counterparts.  This  Agreement  may be  executed  by either of the
parties in  counterparts,  each of which shall be deemed to be an original,  but
all such counterparts shall constitute a single instrument.

         5.9 Survival.  Company's  obligations under Section 3.1 and Executive's
obligations under Section 4 shall survive the termination and expiration of this
Agreement in accordance  with the specific  provisions of those  Paragraphs  and
Sections and this  Agreement in its entirety shall be binding upon, and inure to
the benefit of, the successors and assigns of the parties hereto.

         5.10   Mutuality. This Agreement is mutually binding on Goran and SIG.

         5.11  Miscellaneous.  No provision of this  Agreement  may be modified,
waived or discharged unless such waiver,  modification or discharge is agreed to
in writing and signed by You and such officer as may be specifically  designated
by the Board.  No waiver by either party hereto at any time of any breach by the
other party hereto of, or  compliance  with,  any condition or provision of this
Agreement  to be  performed  by such  other  party  shall be  deemed a waiver of
similar  or  dissimilar  provisions  or  conditions  at the same or at any prior
subsequent time.

<PAGE>

         IN WITNESS WHEREOF,  the parties have executed this Agreement effective
as of the _____ day of January, 2000.

                                            ("Company")

                                            GORAN CAPITAL INC.

                                            By:________________________________
                                            Title:______________________________

                                            SYMONS INTERNATIONAL GROUP, INC.

                                            By:________________________________
                                            Title:______________________________

                                            GREGG ALBACETE
                                            ("Executive")

                                            ------------------------------------EXHIBIT  10.1

                              EMPLOYMENT AGREEMENT

THIS  EMPLOYMENT  AGREEMENT  ("Agreement") effective as of the 15th day of March
2000, between PhotoLoft.com , a Nevada corporation having its principal place of
business  at  300  Orchard  City  Drive,  Suite  142, Campbell, California 98005
("Employer"),  and  Chris  McConn  ("Employee").

<PAGE>
                                   WITNESSETH:
WHEREAS,  Employer  desires to employ Employee upon the terms and subject to the
conditions  hereinafter  set  forth,  and  Employee  desires  to  accept  such
employment:

NOW,  THEREFORE,  for and in consideration of the premises, the mutual promises,
covenants  and  agreements  contained  herein,  and  for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties  agree  as  follows.

     1.   EMPLOYMENT.  Subject to the terms and  conditions  of this  Agreement,
          Employer  shall  employ  Employee  and  Employee  hereby  accepts such
          employment.

     2.   TERM.  The term of this  Agreement  shall be for the period from March
          15, 2000 through March 15, 2001(the "Initial Term").

     3.   POSITION AND DUTIES.

          a.   POSITION.  Employee  shall  serve as CTO and  shall  perform  the
               duties and exercise the powers in  connection  with such position
               and  which  may from time to time be  reasonably  assigned  to or
               vested in him or her by the CEO and/or the Board of  Directors or
               similar  governing  body of  Employer  (the  "Board") or the duly
               authorized committee or designee thereof.

          b.   FULL  TIME   EFFORTS.   Employee   shall  perform  and  discharge
               faithfully, diligently and to the best of his or her ability such
               duties and responsibilities and shall devote his or her full-time
               efforts to the business and affairs of Employer.

          c.   NO  INTERFERENCE  WITH DUTIES.  Employee shall not devote time to
               other  activities  such as would  inhibit or otherwise  interfere
               with the proper performance of his or her duties.

     4.   WORK STANDARD. Employee hereby agrees that he or she will at all times
          comply  with  abide by all  terms  and  conditions  set  forth in this
          Agreement,  and all applicable work policies,  procedures and rules as
          may be issued by Employer.

     5.   COMPENSATION.

          a.   BASE  SALARY.  Subject to the terms and  conditions  set forth in
               this Agreement,  Employer shall pay Employee,  and Employee shall
               accept,  a salary ("Base  Salary") at the annual rate of $115,000
               for all services rendered during the term of this Agreement. Base
               Salary shall be reviewed no less  frequently  than annually.  The
               Base  Salary  is  not  to be  considered  in  any  way  to  limit
               Employee's  opportunity to receive appropriate  increases in Base
               Salary during the term of this  Agreement.  The Base Salary shall
               be paid in accordance with Employer's normal payroll procedures.

          b.   EMPLOYMENT  OPTIONS.  Employee  shall  continue  vesting  options
               granted under a 1998 Option Agreement.

          c.   WITHHOLDING.  All  compensation  payable to Employee  pursuant to
               this Agreement  shall be subject to, and Employer will deduct and
               withhold,  all applicable  federal,  state and local withholding,
               employment, social security, and other similar taxes.

     6.   FRINGE BENEFITS.  During the term of Employee's  employment under this
          Agreement, Employee shall receive the fringe benefits described below:

          a.   MEDICAL, DENTAL, VISION, LIFE AND DISABILITY INSURANCE.  Employer
               shall  provide  Employee  and  eligible  dependents  ("spouse and
               children under 21 years of age") with medical,  dental and vision
               insurance coverage.  Life and disability  insurance coverage will
               be provided by Employer to Employee.

          b.   VACATION. Employee is eligible for four (4) weeks of vacation per
               calendar year.

          c.   OUT OF POCKET EXPENSES.  Employer will reimburse Employee for out
               of pocket expenses ("out of pocket  expenses") as incurred by the
               Employee in the normal  course of  business,  including,  but not
               limited to corporate  entertainment,  non-capital  purchases  and
               corporate travel.

     7.   LAWS, REGULATIONS,  AND PUBLIC ORDINANCES.  Employee shall comply with
          all  federal,  state,  and  local  statutes,  regulations  and  public
          ordinances governing the work.

     8.   CONFIDENTIAL   INFORMATION;    INVENTIONS;   CONFLICTING   EMPLOYMENT;
          RETURNING COMPANY DOCUMENTS; SOLICITATION OF EMPLOYEES; NON-COMPETE.

          a.   COMPANY INFORMATION: Employee agrees at all times during the term
               of employment and  thereafter,  to hold in strictest  confidence,
               and not  use,  except  for the  benefit  of the  Employer,  or to
               disclose  to any  person,  firm or  corporation  without  written
               authorization  of the  board of  Directors  of the  Company,  any
               Confidential  Information  of the Company.  Employee  understands
               that  Confidential  Information  means  any  company  proprietary
               information,   technical   data,   trade   secrets  or  know-how,
               including, but not limited to, research, product plans, products,
               services,  customer  lists  and  customers  (including,  but  not
               limited to,  customers of the company on whom Employee  called or
               with  whom  Employee  became   acquainted   during  the  term  of
               employment),   markets,   software,   developments,   inventions,
               processes, formulas, technology,  designs, drawings, engineering,
               hardware configuration information, marketing, finances, or other
               business  information  disclosed  to me  by  the  company  either
               directly  or  indirectly  in  writing,  orally or by  drawings or
               inspection of parts or equipment.  Employee  further  understands
               that  Confidential  Information  does  not  include  any  of  the
               foregoing   items  which  has  become  publicly  known  and  made
               generally available through no wrongful act of Employee.

          b.   FORMER  EMPLOYER  INFORMATION.  Employee agrees that he will not,
               during  employment  with the company,  improperly use or disclose
               any  proprietary  information  or trade  secrets of any former or
               concurrent employer or other person or entity with which Employee
               has an  agreement  or duty to  keep  in  confidence,  information
               acquired by Employee in confidence,  if any, and that he will not
               bring onto the premises of the Company any  unpublished  document
               or proprietary information belonging to any such employer, person
               or entity unless consented to in writing by such employer, person
               or entity.

          c.   THIRD PARTY INFORMATION. Employee recognizes that the company has
               received and in the future will receive from third  parties their
               confidential  or  proprietary  information  subject  to a duty on
               certain  limited  purposes.  Employee  agrees  to hold  all  such
               confidential   or   proprietary   information  in  the  strictest
               confidence  and  not  to  disclose  it to  any  person,  firm  or
               corporation or to use it except as necessary in carrying out work
               for the company consistent with the company's agreement with such
               third party.

          d.   INVENTIONS RETAINED AND LICENSED: Employee has attached hereto as
               Exhibit A, a list  describing all  inventions,  original works of
               authorship,  developments,  improvements  and trade secrets which
               were  made by  Employee  prior to  employment  with  the  company
               (collectively  referred to as Prior inventions),  which belong to
               Employee,  which  relate  to  the  company's  purposed  business,
               products or hereunder; or, if not such list is attached, Employee
               represents  that  there are no such prior  inventions.  If in the
               course of his employment wit the company,  Employee  incorporates
               into a company  product,  process  or  machine a prior  invention
               owned by  Employee  or in which  Employee  has an  interest,  the
               Company  is  hereby  granted  and  shall  have  a  non-exclusive,
               royalty-free,  irrevocable, perpetual, worldwide license to make,
               have made,  modify,  use and sell such prior invention as part of
               or in connection with such product, process or machine.

          e.   ASSIGNMENT OF INVENTIONS;  Employee  agrees that he will promptly
               make full written  disclosure to the company,  will hold in trust
               for the sole right and benefit of the  company and hereby  assign
               to the company,  or its designee,  all right, title, and interest
               in and to any and all  inventions,  original works of authorship,
               developments, concepts, improvements or trade secrets, whether or
               not  patentable or registrable  under  copyright or similar laws,
               which  Employee  may  solely or  jointly  conceive  or develop or
               reduce  to  practice,  during  the  period  of  time he is in the
               employee   of   the   company   (collectively   referred   to  as
               "Inventions"),  except as provided  in Section i below.  Employee
               further  acknowledges that all original works of authorship which
               are made by him (solely or jointly with others)  within the scope
               of employment  and which are  protectable by copyright are "works
               made for  hire," as that term is  defined  in the  United  States
               Copyright Act.

          f.   MAINTENANCE  OF  RECORDS:  Employee  agrees to keep and  maintain
               adequate and current  written  records of all inventions  made by
               Employee  (solely  or  jointly  with  others)  during the term of
               employment  with the company.  The records will be in the form of
               notes,  sketches,  drawings  and any  other  format  that  may be
               specified  by the  company.  The records will be available to and
               remain the sole property of the company at all times.

<PAGE>
          g.   PATENT AND COPYRIGHT REGISTRATION:  Employee agrees to assist the
               company,  or its  designee,  at the company's  expense,  in every
               proper way to secure the company's  rights in the  inventions and
               any copyrights,  patents,  mask work rights or other intellectual
               property  rights  relating  thereto  in any  and  all  countries,
               including  the   disclosure  to  the  company  of  all  pertinent
               information and data with respect  thereto,  the execution of all
               applications,  specifications,  oaths,  assignments and all other
               instruments  which the company  shall deem  necessary in order to
               apply for and  obtain  such  rights  and in order to  assign  and
               convey to the company,  its successors,  assigns and nominees the
               sole and  exclusive  rights,  title and  interest  in and to such
               inventions,  and any copyrights,  patents,  mask work rights,  or
               other  intellectual  property rights relating  thereto.  Employee
               further  agrees  that my  obligation  to  execute  or cause to be
               executed, when it is in my power to do so, any such instrument or
               papers shall continue after the termination of this Agreement. If
               the company is unable because of mental or physical incapacity or
               for any other  reason to secure my  signature  to apply for or to
               pursue any  application  for any United States or foreign patents
               or copyrights registrations covering inventions or original works
               of  authorship  assigned to the company as above,  then  Employee
               hereby  irrevocably  designates and appoints company and its duly
               authorized officers and agents as his agent and attorney in fact,
               to act for and in his behalf  and stead to  execute  and file any
               such applications and to do all other lawfully  permitted acts to
               further  the  prosecution  and  issuance  of  letters  patent  or
               copyright  registrations  thereon  with the same legal  force and
               effect as if executed by Employee.

<PAGE>
          h.   EXCEPTIONS  TO  ASSIGNMENTS.   Employee   understands   that  the
               provisions of this Agreement  requiring  assignment of inventions
               to company do not apply to any invention  which  qualifies  fully
               under the  provisions  of  California  Labor Code  Section  2870.
               Employee  will  advise  the  company  promptly  in writing of any
               inventions that he believes meet the criteria in California Labor
               Code Section 2870 and not otherwise disclosed on Exhibit A.

          i.   RETURNING COMPANY DOCUMENTS. Employee agrees that, at the time of
               leaving the employ of the company he will  deliver to the company
               (and will not keep in his  possession  or deliver to anyone else)
               any and all devices,  records,  data, notes, reports,  proposals,
               lists,  correspondence,   specifications,  drawings,  blueprints,
               sketches, materials, equipment, others documents, or property, or
               reproductions of any  aforementioned  items developed by Employee
               pursuant  to  his  employment   with  the  company  or  otherwise
               belonging to the company, its successors or assigns.

          j.   SOLICITATION OF EMPLOYEES.  Employee agrees that, for a period of
               one  year   immediately   following   the   termination   of  his
               relationship  with the company for any  reason,  whether  with or
               without cause,  either directly or indirectly,  on his own behalf
               or in the  service  or on behalf of other,  solicit,  recruit  or
               attempt  to  persuade  any  person  to  terminate  such  person's
               employment  with the  company,  whether  or not such  person is a
               full-time  employee or whether or not such employment is pursuant
               to a written agreement or is at-will.

          k.   NON-COMPETE.  Employee  agrees that he shall not, for a period of
               one year immediately following the termination of my relationship
               with the company for any reason,  whether with or without  cause,
               either  directly  or  indirectly  engage  in  any  activity  that
               competes with PhotoLoft.com

<PAGE>
     9.   TERMINATION FOR CAUSE. This Agreement may be terminated at any time by
          Employer  without  prior  notice  thereof to Employee  and without any
          liability  owning to Employee under this Agreement under the following
          conditions, each of which shall constitute "Cause";

          a.   FAILURE TO  DISCHARGE  DUTIES.  Employee  willfully  neglects  or
               refuses to  discharge  his duties  hereunder or refuses to comply
               with  any  lawful  and  reasonable  instructions  given to him by
               Employer without reasonable excuse;

          b.   BREACH.  Employee  shall have committed any material  breach,  or
               repeated or continued after written notice of any breach, whether
               material or not, of his obligations hereunder;

          c.   GROSS MISCONDUCT. Employee is guilty of gross misconduct. For the
               purposes of this  Agreement the following  acts shall  constitute
               gross misconduct:

               i)   Any  act   involving   fraud  or  dishonesty  or  breach  of
                    applicable  regulations of competent authorities in relation
                    to trading or dealing with stocks,  securities,  investments
                    and the like;

               ii)  The  carrying  out of any  activity  or  the  making  of any
                    statement  which would  prejudice or impair the good name or
                    standing of Employer or would bring  Employer into contempt,
                    ridicule or would  reasonable  shock or offend any community
                    in which Employer is located;

<PAGE>
               iii) Attendance at work in a state of  intoxication  or otherwise
                    being  found  in   possession  at  his  place  of  work  any
                    prohibited  drug or  substance,  possession  of which  would
                    amount to a criminal offense;

               iv)  Assault or other act of  violence  against  any  employee of
                    Employer  or other  person  during  the course of his or her
                    employment;

               v)   Harassment  of  disparagement  of others based on their age,
                    disability,  color, national origin, race, religion,  sex or
                    veteran status, including acts of sexual harassment or,

               vi)  Conviction  of any  felony or  misdemeanor  involving  moral
                    turpitude.

     10.  TERMINATION BY EMPLOYER FOR REASONS OTHER THAN CAUSE.  Notwithstanding
          anything  herein  to  the  contrary,   and  subject  to  the  survival
          provisions  of Paragraph  13.G hereof,  Employer  may  terminate  this
          Agreement  at any time with thirty (30) days prior  notice  thereof to
          Employee.  In  such  an  event,  Employer  shall  pay to  Employee  in
          accordance with Employer's  normal  practices;  1) the Base Salary; 2)
          vested Stock Options, 3) Medical,  Dental, Vision, Life and Disability
          Insurance,  5) and any unused  Vacation  -for a period of one (1) year
          after the date of the termination.

<PAGE>
     11.  TERMINATION BASED UPON CHANGE OF CONTROL. In the event Employer enters
          into an agreement with another  person or entity,  the effect of which
          is to change the  control  of the  Employer,  then and in such  event,
          Employee  shall be exclusively  entitled to terminate this  Agreement,
          and in such  event,  Employer  shall  pay to  Employee  the  severance
          payments  in the  amount of one (1) year  base  salary,  and  benefits
          payable  through  the  end  of  the  term.  Additionally,   upon  such
          termination,  the vesting of all options to purchase  Common  Stock of
          the Company held by Employee shall be accelerated so that such options
          are immediately exercisable.  For purposes of this Agreement, the term
          "change of  control:  shall  mean:  (i) any change of equity such that
          more than fifty percent (50%) of the issued and outstanding  shares of
          the Company are transferred to a third party;  (ii) or debt ownership,
          including  but not limited to  conversion  rights of debt to equity of
          the Employer such that more than fifty percent (50%) of the issued and
          outstanding  shares are  transferred to a third party; or (iii) a sale
          of  substantially  all of  Employer's  assets.  However,  a change  of
          control shall not include a public  offering of the  securities of the
          Company.

     12.  TERMINATION BY EMPLOYEE.

          a.   VOLUNTARY  TERMINATION.  Employee may  terminate  his  employment
               under  this  Agreement  at any time with  thirty  (30) days prior
               written  notice  thereof  to  Employer.  Upon  such  termination,
               Employee  shall be entitled to his  pro-rata  Base Salary and all
               stock options that have vested at that time.

          b.   RESIGNATION  FOR GOOD CAUSE.  The  termination  of his employment
               under  this   Agreement  by  Employee   following  a  substantial
               reduction in Employee's  position or duties or material breach of
               this  Agreement  by  Employer  shall be deemed a  termination  by
               employee  for reasons  other than cause as set forth in paragraph
               10 hereof.

          c.   TERMINATION   UPON  DEATH.   This   Agreement   shall   terminate
               immediately  upon Employee's  death.  Employee's  estate shall be
               entitled to Employee's Base Salary up to twelve (12) months after
               the Employee's  death and earned Stock Options.  Medical,  Dental
               and Vision  Insurance  payments shall continue for six (6) months
               from date of Employee's death.

<PAGE>
     13.  GENERAL PROVISIONS.

          a.   AMENDMENT.  This  Agreement  may be amended or modified only by a
               writing signed by both of the parties hereto.

          b.   BINDING  AGREEMENT.  This Agreement shall inure to the benefit of
               and be  binding  upon  Employee,  his or her heirs  and  personal
               representatives, and Employer, its successors and assigns.

          c.   WAIVER.  The waiver by either party of a breach of any  provision
               contained in this Agreement  shall not be construed as or operate
               as a waiver of any subsequent breach.

          d.   NOTICES

               i)   All notices and all other communication  provided for herein
                    shall be in writing and  delivered  personally  to the other
                    designated party, or mailed by certified or registered mail,
                    return  receipt  requested  or  delivered  by  a  recognized
                    national overnight courier service,  or sent by facsimile as
                    follows:

          If to Employer to:          Mr. Patrick Dane
                                      Director

          If to Employer to:          Mr. Jack Marshall
                                      CEO, President, Treasurer

               If  Employee  has  provided  notice  to  Employer  that  he  is
               represented by counsel, Employer shall copy Employee's counsel at
               the address specified. Employee agrees and understands  that  any
               legal fees or expenses  incurred by him in connection  with  this
               Agreement are  his sole responsibility  and  Employer  shall  not
               reimburse Employee for  any  portion  of  such  fees or expenses.

<PAGE>
               ii)  All  notices  sent under this  Paragraph  13 shall be deemed
                    given  twenty  four (24) hours  after sent by  facsimile  or
                    courier and  seventy-two  (72) hours after sent by certified
                    or registered mail.

               iii) Either  party  hereto may change the address to which notice
                    is to be sent hereunder by written notice to the other party
                    in accordance with the provisions of this Paragraph.

          e.   GOVERNING LAW. This Agreement  shall be governed by and construed
               in accordance  with the laws of the State of California,  without
               regard to principles of conflicts of laws.

          f.   ENTIRE AGREEMENT.  This Agreement  contains the full and complete
               understanding  of the parties  hereto with respect to the subject
               matter  contained  herein  and  this  Agreement   supersedes  and
               replaces  any prior  agreement , either  oral or  written,  which
               Employee may have with  Employer  that  relates  generally to the
               same subject matter.

          g.   SURVIVAL.  Notwithstanding  any expiration or termination of this
               Agreement,  the  provisions of this  agreement  shall survive and
               remain in full  force and  effect,  as shall any other  provision
               hereof that, by its terms or reasonable  interpretation  thereof,
               sets forth obligations that extend beyond the termination of this
               Agreement.

          h.   ASSIGNMENT.  This  Agreement  may  not be  assigned  by  Employee
               without the prior written consent of Employer,  and any attempted
               assignment not in accordance  herewith shall be null and void and
               of no force or effect.  Employer can assign this Agreement to any
               Affiliate with Employee's written consent.  Thereafter,  any such
               assignee  shall be considered to be the Employer for all purposes
               under  this  Agreement;  provided  however,  that  references  to
               previous  incentive  bonuses shall be deemed to include incentive
               bonuses paid by any assignor.

<PAGE>
          i.   SEVERABILITY.  If any  one or  more  of  the  terms,  provisions,
               covenants or  restrictions  of this Agreement shall be determined
               by a court  of  competent  jurisdiction  to be  invalid,  void or
               unenforceable,  then  the  remainder  of the  terms,  provisions,
               covenants and restrictions of this Agreement shall remain in full
               force and effect,  and to that end the provisions hereof shall be
               deemed severable.

          j.   PARAGRAPH HEADING.  The section headings set forth herein are for
               convenience of reference only and shall not affect the meaning or
               interpretation of this Agreement whatsoever.

          k.   VOLUNTARY  AGREEMENT.  Employee and Employer  represent and agree
               that  each  has  reviewed  all  aspects  of this  Agreement,  has
               carefully  read and  fully  understands  all  provisions  of this
               Agreement, and is voluntarily entering into this Agreement.  Each
               party   represents  and  agrees  that  such  party  has  had  the
               opportunity  to review any and all aspects of this Agreement with
               legal,  tax or other  advisers(s)  of such party's  choice before
               executing this Agreement.

          REMEDIES.

          ARBITRATION  OF  DISAGREEMENTS.  Any  dispute,  controversy  or  claim
          arising  out of or relating to the  obligations  under this  Agreement
          shall be settled by final and binding  arbitration in accordance  with
          the American  Arbitration  Association  Employment  Dispute Resolution
          Rules.  The  arbitrator  shall be selected by mutual  agreement of the
          parties,  if  possible.  If the parties fail to reach  agreement  upon
          appointment of an arbitrator  within 30 days following  receipt by one
          party  of the  other  party's  notice  of  desire  to  arbitrate,  the
          arbitrator  shall  be  selected  from a panel  or  panels  of  persons
          submitted by the American  Arbitration  Association  (the "AAA").  The
          selection  process  shall  be  that  which  is set  forth  in the  AAA
          Employment Dispute Resolution Rules,  except that, if the parties fail
          to select an  arbitrator  from one or more panels,  AAA shall not have
          the  power  to  make an  appointment  but  shall  continue  to  submit
          additional panels until an arbitrator has been selected.

<PAGE>
          All fees and expenses of the  arbitration,  including a transcript  if
          requested,  will be borne by the  Employer.  Any  action to enforce or
          vacate  the  arbitrator's  award  shall  be  governed  by the  Federal
          Arbitration Act, if applicable, and otherwise by California state law.

IN  WITNESS  WHEREOF,  the  parties  hereto  have executed, or caused their duly
authorized  representative to execute, this Agreement as of the date first above
written.

                     EMPLOYER                         EMPLOYEE
                     Patrick  Dane                    Chris  McConn

      BY:
<PAGE>

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