Document:

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                                                                    Exhibit 10.5

                             KIRLIN SECURITIES, INC.
                              6901 JERICHO TURNPIKE
                             SYOSSET, NEW YORK 11791

                  --------------------------------------------
                             MERGER, ACQUISITION AND
                           OTHER BUSINESS ARRANGEMENT
                                    AGREEMENT
                   -------------------------------------------

____________, 2002

Montana Mills Bread Co., Inc.
2171 Monroe Avenue, Suite 205A
Rochester, New York  14618

Attn:  Eugene O'Donovan, President and Chief Executive Officer

Gentlemen:

         This is to confirm our agreement whereby Montana Mills Bread Co., Inc.
("Company") has requested Kirlin Securities, Inc. ("Consultant") to render
services to it and the Consultant has agreed to render such services on the
terms and conditions set forth herein:

         1.  AGREEMENT REGARDING MERGERS, ACQUISITIONS AND OTHER BUSINESS
ARRANGEMENTS

            (a) In the event that any acquisition of and/or merger with other
companies or joint ventures or other contracts or arrangements with any third
parties including, without limitation, (i) the sale of the business, assets or
stock of the Company or any its subsidiaries or affiliates or any significant
portion thereof, (ii) the purchase of the business, assets or stock of a third
party or any significant portion thereof or (iii) entering into a commercial
relationship with a third party not involving a transaction of the type referred
to in clauses (i) or (ii) (collectively, a "Transaction"), occur which result
from or are caused by introductions made by the Consultant, the Company shall
pay the Consultant 5% of the Legal Consideration (hereinafter defined) paid in
any such Transaction.

            For purposes of this Agreement, the phrase "Legal Consideration"
shall mean the total value of the securities (valued as determined in the
applicable agreement governing the terms of the Transaction or, if not so
valued, at market on the day of closing, or if there is no public market, valued
as set forth herein for other property), cash and assets and property or other
benefits exchanged by the Company or received by the Company or its shareholders
as consideration as a result of or arising out of the Transaction, irrespective
of the period of payment or terms (all valued at fair market present value as
agreed or, if not, by an independent appraiser selected by the Company in good
faith).

            (b) All fees payable under this Section 1 are due and payable to
the Consultant, in cash or by certified check, at the closing or closings of any
Transaction; provided, that if the Legal Consideration on any Transaction is
other than all cash, the payment to the Consultant shall be, at the

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option of the Company, either the cash equivalent or such other consideration
proportionate with the types of Legal Consideration paid on such Transaction. No
fees shall be payable under this Section 1 or otherwise if, for any reason, the
Transaction is not consummated.

         2.  TERM OF AGREEMENT

         This Agreement shall be for a term of five years from the date hereof.

         3.  EXPENSES

         The Consultant shall bear all costs and expenses incurred by the
Consultant directly in connection with the introduction or attempted
introduction(s) made by the Consultant in connection with Transactions and
otherwise in connection with the performance of its services hereunder, unless
otherwise agreed to by the Company.

         4.  USE OF NAME AND REPORTS

         Use of the Consultant's name in annual reports or any other reports of
the Company or press releases issued by the Company shall require the prior
written approval of Consultant.

         5.  STATUS AS INDEPENDENT CONTRACTOR

         The Consultant shall perform its services as an independent contractor
and not as an employee of the Company or affiliate thereof. It is expressly
understood and agreed to by the parties that the Consultant, and any individual
or entity that the Consultant shall employ in order to perform its services
hereunder, shall have no authority to act for, represent or bind the Company or
any affiliate thereof in any manner, except as may be expressly agreed to by the
Company in writing from time to time.

         6.  ENTIRE AGREEMENT

         This Agreement constitutes the entire understanding between the parties
with respect to the subject matter hereof and supersedes all prior agreements
and understandings, oral or written, with respect thereto. This Agreement may
not be modified or terminated orally or in any manner other than by an agreement
in writing signed by the parties hereto.

         7.  NOTICES

         Any notices required or permitted to be given hereunder shall be in
writing and shall be deemed given when mailed by certified mail or private
courier service, return receipt requested, addressed to each party at its
respective addresses set forth above, or such other address as may be given by
either party in a notice given pursuant to this Section 7.

         8.  SUCCESSORS AND ASSIGNS

         This Agreement may not be assigned by either party without the written
consent of the other. This Agreement shall be binding upon and shall inure to
the benefit of the parties hereto and, except where prohibited, to their
successors and assigns.

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         9.  NON-EXCLUSIVITY

         Nothing herein shall be deemed to restrict or prohibit the engagement
by the Company of other consultants providing the same or similar services or
the payment by the Company of fees to such parties.

         10.  APPLICABLE LAW

         This Agreement shall be construed and enforced in accordance with the
laws of the State of New York without giving effect to conflict of laws.

         11.  ARBITRATION

         In the event of any dispute under this Agreement, then and in such
event, each party hereto agrees that the dispute shall be submitted to the
American Arbitration Association in Nassau County, New York, for its decision
and determination in accordance with its rules and regulations then in effect.
Each of the parties agrees that the decision and/or award made by the
Association may be entered as judgment of the courts of the State of New York,
as shall be enforceable as such.

         If the foregoing correctly sets forth the understanding between the
Consultant and the Company with respect to the foregoing, please so indicate
your agreement by signing in the place provided below, at which time this letter
shall become a binding contract.

                                        KIRLIN SECURITIES, INC.

                                        By:
                                           -------------------------------------
                                                David O. Lindner
                                                Chairman

AGREED AND ACCEPTED BY:

MONTANA MILLS BREAD CO., INC.

By:
   ----------------------------------------
      Eugene O'Donovan
      President and Chief Executive Officer

                                       3<PAGE>
                                                                    Exhibit 10.6

                                LICENSE AGREEMENT

         THIS LICENSE AGREEMENT (this "Agreement") is made as of the ____ day of
August, 2000, among MONTANA MILLS BREAD CO. OF ROCHESTER, INC., a New York
corporation with an office at 2171 Monroe Avenue, Rochester, New York 14618
("Montana Mills") and SIEMPRE CAFFE ___________ a ___________ corporation with
an address at ______________________________ ("Siempre").

                                    RECITALS

            A. Siempre is the rightful and lawful owner of certain trade names,
trademarks and other rights associated with the name "Java Joe", "Cyclops" and
other brand names as set forth in Schedule A (hereinafter the "Trademarks").

            B. Montana Mills is the owner and operator of various retail stores
and plans to open additional stores that make and sell bread and other baked
good products (the "Shops").

            C. Siempre is willing to grant to Montana Mills an exclusive license
to use the Marks in connection with the Shops, or other retail establishments
anywhere in the world (the "Territory"), and Montana Mills is willing to accept
such license, upon the terms and conditions contained herein.

         NOW THEREFORE, in consideration of the mutual covenants and agreements
hereinafter contained and for other good and valuable consideration, the receipt
and sufficiency of which are acknowledged by each of the parties hereto, the
parties covenant and agree as follows:

         1. GRANT OF LICENSE.

            1.1 LICENSE. Siempre grants to Montana Mills and Montana Mills
accepts the exclusive right, license and privilege to use the Marks during the
Term (as defined in Section 2) subject to the provisions of this Agreement,
solely in association with its operation of Shops and other retail
establishments within the Territory. As used in this Agreement, the "Marks"
include, collectively, all of the trade names, trademarks, designs, graphics,
logos and other commercial symbols, which are owned and controlled by Siempre
and which are listed in Schedule A attached hereto and made a part hereof, as
supplemented or modified from time to time by the mutual written agreement of
all the parties.

            1.2 RESERVATION OF RIGHTS. Subject to the license granted herein, as
between Siempre and Montana Mills, Siempre shall retain ownership of the Marks.
Siempre shall continue to have, during the Term, the right to use the Trademarks
for its own benefit solely in connection with its wholesale business; provided,
Siempre shall not license or otherwise grant to any third party the right to use
the Trademarks for any purpose within the Territory nor shall open and operate
retail establishments without the express written permission of the President of
Montana Mills.

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         2. TERM. This Agreement shall become effective as of the date first
written above and shall continue thereafter until terminated pursuant to Section
5.1 of this Agreement (the "Term").

         3. CONSIDERATION. As consideration for the rights, privileges and
licenses granted in this Agreement, Montana Mills shall pay to Siempre the sum
of $1,000.00.

         4. REPRESENTATIONS AND WARRANTIES. Siempre makes the following
representations and warranties to Montana Mills:

            4.1 RIGHT TO LICENSE. Siempre has the sole and exclusive right to
convey the license and rights granted herein. The license and rights granted
herein are free and clear of any liens, obligations or encumbrances of any kind.
Siempre will not grant any rights under any future agreement, nor will it permit
any lien, obligation or encumbrance to conflict with the full enjoyment by
Montana Mills of its rights under this Agreement.

            4.2 REGISTRATIONS. Siempre has valid and subsisting registrations
for the Trademarks in the United States and is the sole and beneficial owner of
the Trademarks and the goodwill associated therewith. The Trademarks do not and
will not infringe upon, violate, or misappropriate any United States or foreign
trademark, trade name, trade secret, copyright, or other right or interest of
any third party.

            4.3 LITIGATION. There are no claims or lawsuits pending or, to
Siempre knowledge, threatened which could have and adverse effect on the
Trademarks or the rights granted to Montana Mills hereunder.

         5. TERMINATION.

            5.1 TERMINATION. This Agreement and all rights granted herein shall
terminate:

                (a) effective immediately, upon the written consent of all of
the parties;

                (b) effective immediately, at Siempre option, if Montana Mills
is in default of any of its material obligations under this Agreement and
Montana Mills fails to cure such default or satisfy Siempre that such default
has been cured within thirty (30) calendar days of receiving notice from Siempre
to cure the same;

                (c) effective immediately, at Montana Mills' option,

                (d) effective immediately, at Siempre option, upon Montana
Mills' cessation of business, election to dissolve, dissolution, insolvency,
commission of an act of bankruptcy, general assignment for the benefit of
creditors, or the filing by or against Montana Mills of any petition in
bankruptcy or for relief under the provisions of applicable bankruptcy

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laws (if, with respect to any such filing against Montana Mills, such filing is
not dismissed, discontinued or stayed within sixty (60) days of such filing);

                (e) effective immediately, at Montana Mills' option, upon
SIEMPRE cessation of business, election to dissolve, dissolution, insolvency,
commission of an act of bankruptcy, general assignment for the benefit of
creditors, or the filing by or against Siempre of any petition in bankruptcy or
for relief under the provisions of applicable bankruptcy laws (if, with respect
to any such filing against Siempre, such filing is not dismissed, discontinued
or stayed within sixty (60) days of such filing).

            5.2 MONTANA MILLS' OBLIGATIONS ON TERMINATION. Upon the
termination of this Agreement for any reason, the licenses and rights granted
herein shall forthwith cease and terminate. Montana Mills shall have the limited
right to continue to use the Trademarks for 120 days solely to use up inventory
on hand at the time of termination.

         6. RELATIONSHIP. Each party shall conduct all business in its own name
as an independent contractor. No partnership, employment, agency or similar
arrangement is created between the parties. Neither party has the right or power
to act for or on behalf of the other or to bind the other in any respect, to
pledge its credit, to accept any service of process upon it, or to receive any
notices of any nature whatsoever on its behalf. Except as otherwise provided
herein, each party shall bear all of its own expenses in connection with the
execution and performance of this Agreement.

         7. TRADEMARKS; INFRINGEMENT.

            7.1 PROTECTION OF TRADEMARKS. Siempre shall be exclusively
responsible for the protection of the Trademarks. Accordingly, Siempre shall
prevent and stop use of the Trademarks by third parties and shall take necessary
actions against uses by third parties that may constitute infringement of the
Trademarks and defend against challenges to Montana Mills' use of the
Trademarks.

            7.2 NOTICE. If Montana Mills becomes aware of any violation of any
of the Trademarks, it shall notify Siempre of any suspected infringement of,
challenge to, or litigation involving the Trademarks, and Montana Mills shall
also furnish all available related information and data available to it in order
to permit Siempre to proceed with all necessary actions against any illegal or
improper use of the Trademarks.

            7.3 MONTANA MILLS' RIGHTS. If Siempre does not proceed with actions
to protect its rights in the Trademarks within thirty (30) days following
notification by Montana Mills, in accordance with the provisions of this Section
7, then Montana Mills shall have the right to direct and control, in its sole
discretion but at SIEMPRE expense, any judicial or extrajudicial order or
measure including negotiation, administrative proceedings, unfair competition
proceedings or litigation, and any settlement thereof, to protect the
Trademarks. Siempre shall reimburse Montana Mills for Montana Mills' reasonable
costs and expenses, including reasonable attorneys' fees, incurred in protecting
the Trademarks in accordance with this Section 7.3, provided such measures are
not required due to the negligence or fault of Montana Mills.

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            7.4 INDEMNIFICATION. Siempre agrees to indemnify, defend and save
harmless Montana Mills and its officers, directors, agents, employees,
shareholders, legal representatives, successors and assigns, and each of them,
from any and all claims, actions and suits, whether groundless or otherwise, and
from and against any and all liabilities, judgments, losses, damages, costs,
charges, reasonable attorneys' fees, and other expenses of every nature and
character by reason of any breach of Siempre representations, warranties or
covenants contained in this Agreement including, without limitation, any of the
foregoing arising from any third-party claim that the Trademarks or Montana
Mills' use of the Trademarks violate any third party's copyright, trade name,
trademark, or similar proprietary right in the United States or any foreign
jurisdiction. Siempre acknowledges and agrees that its obligations under this
Section 7.4 shall survive the termination, for any reason, of this Agreement.

         8. GENERAL.

            8.1 SUCCESSORS AND ASSIGNS. Neither this Agreement nor any rights or
benefits thereof shall be assigned, transferred or sublicensed, in whole or in
part, in any manner by any party without the prior written consent of each of
the other parties, which consent may not be unreasonably withheld; provided,
however that any party may, on notice to but without the consent of the other
parties, assign this Agreement or any of its rights or obligations hereunder, to
any of its affiliates or to the success or an interest to that portion of the
business to which the Trademarks pertain. This Agreement shall inure to the
benefit of and be binding upon the parties and their respective successors and
permitted assigns.

            8.2 NOTICE. All written notices, consents and approvals (herein
referred to as a "Notice") permitted or required to be given hereunder shall be
deemed to be sufficiently and duly given if in writing and (a) delivered
personally, (b) sent in certified or registered mail, with proper postage
affixed, deposited in a post office in the United States or Australia, (c)
delivered by overnight courier with signature required, or (d) sent by facsimile
transmission, to a party at its address first set forth above. Any Notice so
given or made shall be deemed to have been given or made and received on the
date of delivery if confirmation of receipt is obtained. Any party from time to
time by notice may change its address for the purpose of this Agreement by
giving Notice in the foregoing manner.

            8.3 FURTHER ASSURANCES. The parties agree to do or cause to be done
all acts or things necessary to implement and give effect to this Agreement.

            8.4 ENTIRE AGREEMENT. This Agreement and any documents incorporated
by reference constitute the entire agreement between the parties pertaining to
the subject matter hereof and supersede all prior agreements, understandings,
negotiations and discussions with respect to the subject matter hereof whether
oral or written. No supplement, modification or waiver of this Agreement shall
be binding unless executed in writing by all parties.

            8.5 CHOICE OF LAW. This Agreement shall be governed by and construed
in accordance with the provisions of the laws of the State of New York, without
regard to principles of conflicts of law.

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            8.6 SEVERABILITY OF PROVISIONS. The invalidity or unenforceability
of any provision of this Agreement or any covenant herein contained shall not
affect the validity or enforceability of any other provision or covenant hereof
or herein contained and any such invalid provision or covenant shall be deemed
to be severable.

            8.7 NON-WAIVER. No failure to exercise and no delay in exercising,
on the part of any party, any right, power or privilege hereunder shall operate
as a waiver thereof; nor shall any single or partial exercise of any right,
power or privilege hereunder preclude any other or further exercise thereof or
the exercise of any other right, power or privilege. The rights and remedies
herein provided are cumulative and not exclusive of any rights or remedies
provided by law.

            8.8 COUNTERPARTS. This Agreement may be executed in any number of
counterparts, each of which shall be an original but all of which together shall
constitute one and the same instrument.

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         IN WITNESS WHEREOF, the parties hereunto affixed their corporate seals
and have duly executed and delivered this Agreement as of the date first above
written.

                                  MONTANA MILLS BREAD CO., OF ROCHESTER, INC.

                             By:   /s/ Eugene O'Donovan
                                   ---------------------------------------------
                           Name:   Eugene O'Donovan
                                   ---------------------------------------------
                          Title:   President
                                   ---------------------------------------------

                                   SIEMPRE CAFFE

                             By:   /s/Joseph J. Palozzi
                                   ---------------------------------------------
                           Name:   Joseph J. Palozzi
                                   ---------------------------------------------
                          Title:   Vice President (Acting President)
                                   ---------------------------------------------

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