Document:

Exhibit 10.11
                                    AGREEMENT

      AGREEMENT, dated as of November 6, 2003, by and between OPTIGENEX INC., a
Delaware corporation with offices at 750 Lexington Avenue, 20th Floor, New York,
NY 10022 ("Buyer"), on the one hand, and Mr. PIERRE APRAXINE of 59 West 12th
Street, Apt. 2C, New York, NY 10011 ("Apraxine"), Mr. Michael L. K. Hwang as
executor of the ESTATE OF JOHN B. ELLIOTT of 8 Blueberry Hill, Irvington, NY
10533 ("Elliott"), Mr. ANTHONY CHRISTIAN FLOOD of 21 Selwood Terrace, London SW
5, England, United Kingdom ("Flood") and Mr. PETER KOEPKE of 930 East Mountain
Road South, Cold Spring, NY 10516 ("Koepke") (Apraxine, Elliott, Flood and
Koepke referred to herein jointly and severally as the "Original Owners"), on
the other hand.

      WHEREAS, the Pero Family Limited Partnership, a Vermont limited
partnership ("Pero"), acquired sole ownership of CampaMed Corp., a Delaware
corporation (the "Original CampaMed"), as a result of its acquisition of certain
shares of stock of the Original CampaMed from the Original Owners pursuant to
that stock purchase agreement between Pero and the Original Owners dated as of
December 12, 1996, as amended by that amendment dated as of November 19, 1997
(the "Original Agreement");

      WHEREAS, the Original Agreement provided for the Original Owners to
receive a deferred payment to be paid out on a contingent basis in the form of a
royalty on sales relating to the exploitation of certain assets then owned by
the Original CampaMed, as specified in Schedule "A" to the Original Agreement
(the "Original Assets"), including without limitation any compound, substance or
ingredient derived or isolated from Cat's Claw (a/k/a Uncario Tormentosa) (a
"Cat's Claw Substance"), such as that product presently known as C-Med 100;

      WHEREAS, the Original Assets were subsequently transferred to CampaMed
LLC, a New Jersey limited liability company ("Seller"), and Seller assumed the
aforementioned royalty obligation;

      WHEREAS, Buyer now wishes to purchase the Original Assets from Seller (the
"Transaction") pursuant to an Asset Purchase Agreement dated November 6, 2003 by
and among Seller, Buyer and certain other parties (the "Acquisition Agreement");
and

      WHEREAS, as part of the Transaction, Buyer and Seller wish to discharge
the aforementioned royalty obligation, to receive the Original Owners' approval
of the Transaction, and to obtain certain consulting services from the Original
Owners with respect to the "Acquired Assets" (such term when used herein to have
the same definition as it has in the Acquisition Agreement, such that it
includes, inter alia, all of the Original Assets); and the Original Owners are
willing to relinquish said royalty right, to grant such approval and to provide
such services, upon the terms set forth below;

      NOW, THEREFORE, in consideration of the mutual promises contained herein
and for other good and valuable consideration received, the parties hereby agree
as follows:

<PAGE>

      1. Representations, Warranties & Covenants. (a) In order to induce Buyer
to enter into the Acquisition Agreement and to consummate the Transaction and to
be bound by the terms and conditions hereof, each of the Original Owners
represents, warrants, covenants and confirms the following:

      (i)   Annexed as Exhibit I hereto is a true, complete and correct copy of
            the Original Agreement, including all exhibits, schedules,
            amendments and supplements thereto

            (ii)  The Original Owners consent to the execution and delivery of
                  the Acquisition Agreement and to the consummation of the
                  Transaction.

            (iii) All shares of capital stock of the Original CampaMed not then
                  owned by Pero were acquired by Pero from the Original Owners
                  under the Original Agreement and Pero, as a result thereof,
                  became the sole stockholder of the Original CampaMed.

            (iv)  To the knowledge of the Original Owners, there is no entity
                  known as CampaMed Inc. or CampaMed Corporation that has or
                  ever had any claim to title of the Original Assets, and all
                  references to "CampaMed Inc." and/or "CampaMed Corporation" in
                  the Original Agreement and related documents and
                  communications are intended to and should be deemed references
                  to the Original CampaMed.

            (v)   Effective upon the closing of the Transaction (the "Closing"),
                  each of the Original Owners, on behalf of themselves and their
                  successors and assigns, waives, releases and relinquishes, in
                  favor of Buyer, any right, claim, interest and lien which any
                  such party or any affiliate thereof now has or hereafter may
                  have in and to any of the Acquired Assets, whether or not such
                  Acquired Assets were the subject of the Original Agreement;
                  provided, however, the foregoing shall not be deemed to affect
                  the non-exclusive nature of the rights granted with respect to
                  the medical herbarium list constituting part of the Original
                  Assets.

            (vi)  Other than the Original Agreement and this agreement, none of
                  the Original Owners is party to any agreement (or amendments
                  or supplements thereto) relating to the Original Assets and/or
                  the Acquired Assets and none of the Original Owners has sold,
                  transferred or assigned any of its rights relating to the
                  Original Agreement and the Original Assets.

            (b) In order to induce Buyer to enter into the Acquisition Agreement
and to consummate the Transaction and to be bound by the terms and conditions
hereof, Michael L. K. Hwang, as executor of the Estate of John B. Elliott,
represents that said estate has not distributed and retains all of the rights
held by John B. Elliot relating to the Original Agreement and the Original
Assets.

<PAGE>

            (c) In order to induce the Original Owners to enter into this
agreement, to approve the Transaction, and to grant the consents and releases
set forth herein, Buyer hereby represents, warrants and confirms to each of the
Original Owners that:

            (i)   Annexed as Exhibit II hereto is a true, complete and correct
                  copy of the Acquisition Agreement, including all exhibits,
                  schedules, amendments and supplements thereto.

            (ii)  No agreements, undertakings, or understandings exist between
                  Buyer (or any affiliate) and Seller (or any affiliate) with
                  respect to the Transaction or the Original Assets other than
                  the Acquisition Agreement, and the Acquisition Agreement sets
                  forth the entirety of the agreement between them in this
                  regard.

            (iii) Buyer has the full power and authority to enter into and
                  perform this agreement, and this agreement will not conflict
                  with any other agreement to which Buyer is a party, or
                  otherwise violate any right of any third party.

            (d) With respect to any breach by any party of its or his
representations, warranties and covenants hereunder, the breaching party hereby
indemnifies the other parties against any loss or damage, including reasonable
attorneys' fees, incurred by reason of said breach.

      2. Waivers & Releases. (a) Subject to and effective upon Full Compliance
(as defined below), each of the Original Owners waives all defaults (and all
rights and remedies with respect thereto), if any, which have arisen under the
Original Agreement, including without limitation all defaults, if any, under
Section 4 of the aforementioned amendment to the Original Agreement.

            (b) At or before the Closing, outstanding royalties due under the
Original Agreement in the amount of $20,000 will be paid by Buyer to the
Original Owners (by delivering a set of certified checks made payable to the
order of each Original Owner for his respective percentage share thereof, as
specified in Schedule "B"); and releases (i) executed respectively by Pero,
Seller and the Original CampaMed in favor of the Original Owners in the form
annexed hereto as Exhibit III; (ii) executed by the Original Owners in favor of
the CampaMed Parties in the form annexed hereto as Exhibit IIIA; and (iii)
executed by the Original Owners in favor of Buyer in the form annexed hereto as
Exhibit IIIB, will be exchanged.

            (c) Subject to and effective upon Full Compliance, the Original
Agreement shall be deemed null and void, and thereafter none of Buyer, any of
the CampaMed Parties or any of the Original Owners shall have any liability
under the Original Agreement.

<PAGE>

            (d) As used herein, "Full Compliance" shall mean that each and all
of the following conditions precedent have been met: (i) the Closing has been
completed; (ii) the $20,000 in royalties set forth in Section 2(b) payable in
full to the Original Owners shall have been delivered to Peter Koepke on behalf
of the original owners; and (iii) Peter Koepke, on behalf of the Original Owners
shall have received fully executed duplicates of the releases described in
clause (i) of Section 2(b) by Seller, Pero and the Original CampaMed.

            3. Further Assurances. Each of the parties shall from time to time
after the Closing, at the sole cost and expense of the requesting party, take
any and all actions, and execute, acknowledge, deliver, file and/or record any
and all documents and instruments that any other party may reasonably request in
order to more fully effect, consummate, confirm or evidence the transactions
contemplated hereby or to more effectively transfer, convey and assign to Buyer
and/or a designee thereof, and put Buyer and/or a designee thereof, as the case
may be, in actual possession and control of, the Acquired Assets. Each of the
Original Owners further agrees to assist or consult with Buyer and/or a designee
thereof in good faith, as reasonably appropriate, if additional documents or
instruments are required for submission to the U.S. Patent and Trademark Office
or trademark offices worldwide to carry out the purpose and intent of this
agreement. Without limiting the generality of the foregoing, each of such
parties shall cooperate and take all steps reasonably requested by Buyer to
perfect, confirm and protect Buyer's rights, including without limitation,
intellectual property rights, title and interest in and to the Acquired Assets
including without limitation, executing and delivering all documents, filing
registration and assignment documents, and giving testimony, at Buyer's expense.

            4. Consulting Services. (a) For the one-year period commencing on
the date of the Closing, the Original Owners agree to perform such consulting
services as Buyer may from time to time reasonably request, subject to their
professional availability and with Buyer to reimburse the reasonable expenses
incurred by the Original Owners in performing such requested consulting
services, and provided that such consulting services shall not require more than
20 hours of time in the aggregate.

            5. Sales Royalties. (a) Effective upon the Closing, Buyer will,
subject to the terms hereof, pay royalties to the Original Owners in connection
with all sales of any product or service based upon or derived from the Original
Assets (a "Product"), including without limitation the sale or licensing of any
Cat's Claw Substance, until such time as a total aggregate amount of $347,700 of
such royalty earnings (the "Total Royalty Amount") has been paid out to Original
Owners hereunder. Said royalties shall be as follows:

            (i)   When the Product consists of an article that is sold in the
                  final form in which it will be marketed to the public (whether
                  sold at retail or wholesale) ("Product Sales"), an amount
                  equal to 6% of the applicable Revenues (as defined below).

            (ii)  When the Product consists of an ingredient or component sold
                  to the trade for incorporation into a third-party product to
                  be produced and sold by an unaffiliated third-party
                  manufacturer ("Ingredient Sales"),10% of the applicable
                  Revenues.

<PAGE>

            (iii) If Buyer (or any affiliate) grants an unaffiliated third party
                  a license to manufacture or produce any Product ("Product
                  Licensing"), an amount equal to 50% of the applicable
                  Revenues.

            (b) As used herein, "Revenues" shall mean the following: (i) in the
case of Product Sales or Ingredient Sales, as the case may be, the total gross
amount of revenues received by Buyer or any affiliate from Products Sales or
Ingredient Sales, as the case may be, net of refunds, rebates or returns, but
without other deductions of any kind; and (ii) in the case of Product Licensing,
the total gross amount of royalties, license fees, advances, guarantees, or
other compensation paid to Buyer or any affiliate by the licensee (or any
affiliate of the licensee) in consideration of each applicable license.

            (c) Effective upon the Closing, in the event of a sale of a
controlling interest in Buyer, or a sale by Buyer of substantially all of the
Original Assets, or a sale by Buyer of substantially all rights in C-Med 100 or
any other Cat's Claw Substance, or if any shares of Buyer (or any affiliate
having any right to exploit the Original Assets) become publicly tradable on any
exchange in the United States, Canada or Europe (such as NASDAQ), Buyer shall
immediately make payment in full to the Original Owners of the full amount of
the then unpaid balance of the Total Royalty Amount, if any. In this regard, any
license granted with respect to the exploitation of the Original Assets, and/or
of C-Med 100 or any other Cat's Claw Substance, shall be deemed a sale if such
license provides the licensee with exclusive rights in the United States and has
a term in excess of five years.

            (d) Buyer may at any time fully discharge its obligation to pay and
account for royalties hereunder by making payment in full of the
then-outstanding balance of the Total Royalty Amount.

      6. Accounting. (a) Royalties shall be calculated and paid on a quarterly
basis. Buyer shall render a written royalty statement to each of the Original
Owners for each calendar quarter hereunder no later than 30 days after the close
thereof. Each such statement shall show the source and amount of Revenues
attributable to the applicable quarter, and the calculation of the royalty
earnings due thereon, and shall be accompanied by payment in full of the
Original Owner's share of such earnings. Upon request, Buyer shall provide such
additional detail as the Original Owners may reasonably require to enable them
to verify said calculation. Royalty statements and payments shall continue to be
rendered until such time as the Total Royalty Amount is paid in full.

            (b) The Original Owners shall share in royalty earnings hereunder on
the proportional percentage basis specified in the attached Schedule "B," and
each payment of quarterly royalty earnings hereunder shall be made by making
separate payment to each Original Owner of his respective percentage share
thereof, as specified in Schedule "B," supported by a copy of the applicable
royalty statement. All payments shall be made in United States dollars by means
of a check drawn upon a U.S. bank. Any overdue amounts shall accrue interest at
the rate of 10% per annum, calculated from the original due date. Each payment
shall be accompanied by the applicable statement, as provided above.

<PAGE>

            (c) The Original Owners shall have the right to inspect and audit
all of Buyer's records and books of account insofar as they relate to this
agreement. Such audits shall take place upon reasonable notice, during normal
business hours, but not more than once in any calendar year. The cost of each
such audit shall be borne solely by the Original Owners unless accounting errors
amounting to seven and one-half percent (7.5%) or more of the applicable total
are found to the disadvantage of any Original Owner, in which case the cost of
said inspection and audit shall be borne by Buyer.

      7. Stock Options. Effective upon the Closing, Buyer shall issue to each of
the Original Owners options (the "Options") to purchase an aggregate of 150,000
shares of the common stock of Buyer ("Common Stock") at an exercise price of one
tenth of one cent ($0.001) per share (i.e., a total aggregate price of $150 for
all such shares), such Options to be issued to each Original Owner in the amount
obtained by multiplying the percentage set forth across from each individual
owner in Schedule B by 150,000. The Options will be issued under, and subject
to, a stock option agreement substantially in the form of Exhibit IV ("Option
Agreement"); provided, however, that upon exercise of the Option the Common
Stock will be afforded, for a period ending on October 1, 2006, no less
favorable rights and treatment, and no more unfavorable obligations, in respect
of the sale and registration thereof than is afforded by Buyer to Richard S.
Serbin individually.

      8. Miscellaneous. (a) For the purposes of this agreement, entities shall
be deemed to be affiliates of, or affiliated with, one another, if, directly or
indirectly, either controls the other or both are under common control. In this
regard, "control" shall deemed to be mean the power to direct the management and
policies of the controlled entity, whether through ownership of voting
securities, by contract or otherwise. Entities shall be deemed to be
unaffiliated only if no such control exists.

            (b) This agreement constitutes the entire agreement, and supersedes
all prior agreements and understandings (oral or written), between the parties
with respect to the subject matter hereof.

            (c) This agreement shall be governed by and controlled by and
interpreted under the internal laws of the State of New York, without regard to
conflicts of law principles. Each party hereto (i) agrees that any legal suit,
action or proceeding arising out of or relating to this agreement shall be
instituted exclusively in the New York State Supreme Court, County of New York
or in the United States District Court for the Southern District of New York,
(ii) waives any objection which such party may have now or hereafter based upon
forum non conveniens or to the venue of any such suit, action or proceeding, and
(iii) irrevocably consents to the jurisdiction of the New York State Supreme
Court, County of New York and the United States District Court for the Southern
District of New York in any such suit, action or proceeding. Each party further
agrees to accept and acknowledge service of any and all process which may be
served in any such suit, action or proceeding in the New York State Supreme
Court, County of New York or in the United States District Court for the
Southern District of New York and agrees that service of process served in
compliance with the notice provision of subsection (d) below will be deemed in
every respect effective service of process upon the recipient in any suit,
action or proceeding Notwithstanding the foregoing, any party may elect to have
any or all disputes arising hereunder adjudicated by binding arbitration in the
State and County of New York before a single arbitrator pursuant to the
international arbitration rules of the American Arbitration Association (the
"AAA"), other than claims for preliminary injunctive relief or other
pre-judgment remedies. If no single arbitrator can be agreed upon by the
parties, the arbitrator(s) shall be selected in accordance with the rules of the
AAA. The foregoing obligation to arbitrate shall be specifically enforceable.
The prevailing party (plaintiff or defendant) in any suit, action, proceeding or
arbitration hereunder shall be entitled to recover, in addition to any other
relief awarded, its reasonable attorneys' fees and other costs and expenses.

<PAGE>

            (d) All notices, statements and communications required or permitted
to be given hereunder shall be sent to the parties, at their respective
addresses, as first set forth above, by first-class mail, by facsimile
transmission, or by an established "overnight" courier service (such as FedEx);
except for notices relating to termination or to claimed breach, which shall be
sent by certified mail (return receipt requested) or by such courier service,
with an advance copy by facsimile transmission or e-mail. A copy of all notices
to the Original Owners shall be provided to the following attorneys:

                  Stout & Thomas                            Tel: (212) 754-6120
                  477 Madison Avenue, 15th Floor            Fax: (212) 754-6809
                  New York, NY 10022, U.S.A.
                  Attention: Michael Stout or John Thomas

      A copy of all notices to Buyer shall be provided to the following
attorneys:

                                    Blank Rome LLP
                                    405 Lexington Avenue, 23rd Floor
                                    New York, NY 10174
                                    Attention: Robert J. Mittman
                                    Tel: (212) 885-5555
                                    Fax: (212) 885-5001

            (e) The provisions herein shall bind and inure to the benefit of the
parties hereto, the and their respective officers, directors, trustees,
principals, affiliates, heirs, executors, administrators, successors and
assigns.

            (f) This agreement is personal to the parties, and cannot be
assigned by any act of any party or by operation of law, without the express
written consent of each of the other parties, not to be unreasonably withheld.

            (g) This agreement shall not be deemed to create a partnership,
joint-venture, agency, employee/employer or similar relationship between any of
the parties.

            (h) This agreement cannot be amended, modified or waived except in a
writing signed by the party having the obligation. The waiver by either party of
any instance of breach hereof shall not operate or be construed as a waiver of
any other instance of breach.

<PAGE>

            (i) Neither this agreement nor any provision hereof shall be
construed against any party on the ground that it was drafted by that party. To
the maximum extent possible, each provision hereof shall be interpreted so as to
be valid and effective under all applicable laws. If any provision is determined
under any applicable law to be prohibited or invalid, that provision shall be
deemed deleted and/or modified to the minimum extent necessary in order to bring
it into legal compliance consistent with the original intent of the parties.
Section headings herein are provided solely for convenient reference and shall
not be deemed to have any substantive effect.

      IN WITNESS WHEREOF, the parties have executed this agreement as of the
date first set forth above.

OPTGENEX  INC.

By: /s/ Richard S. Serbin
    -------------------------------
    Name: Richard Serbin
    Title: President

/s/ Pierre Apraxine
-----------------------------------
PIERRE APRAXINE

/s/ Micheal L.K. Hwang
-----------------------------------
MICHAEL L.K. HWANG, AS EXECUTOR
 OF THE ESTATE OF JOHN B. ELLIOTT

/s/ Anthony Christian Flood
-----------------------------------
ANTHONY CHRISTIAN FLOOD

/s/ Peter Koepke
-----------------------------------
PETER KOEPKEAGREEMENT OF PURCHASE
                              ---------------------

      This AGREEMENT OF PURCHASE (this "Agreement") is made as of the 7th day of
April, 2005 among Walker Financial Corporation, a Delaware corporation having an
address at 990 Stewart Avenue, Suite 60A, Garden City, New York 11530 ("Walker"
and/or "Buyer"), and Disability Access Consultants, Inc. a California
corporation having an address at 2775 Feather River Boulevard, Oroville,
California 95965 ("the "Company" and/or "DAC") and BARBARA THORPE, the
stockholder of the Company (the "DAC Stockholder or "DAC Shareholder) and/or the
`Stockholder" or "Shareholder").

                              W I T N E S S E T H:

      WHEREAS, Walker desires to acquire ninety percent (90%) of the issued and
outstanding stock of DAC upon the terms and subject to the conditions set forth
herein;

      WHEREAS, the DAC Stockholder owns all of the issued and outstanding common
stock of DAC ("DAC Stock") and desires to exchange ninety percent (90%) of her
DAC Shares for a cash payment, promissory note, and earnout as more fully
described herein:

      WHEREAS, in consideration of the benefits that she will receive by virtue
of the transaction contemplated by this Agreement, the DAC Stockholder is
agreeing to make the representations, warranties and indemnifications in this
Agreement with the Company and is agreeing to enter into and be bound by a non
competition, non-solicitation and confidentiality agreement (hereinafter the
"Non-Competition, Non-Solicitation and Confidentiality Agreement" and employment
agreement (hereinafter the "Employment Agreement") containing, among other
things, covenants respecting confidentiality, non-competition and non
solicitation with Buyer;

      WHEREAS, the Board of Directors of DAC believes the acquisition
contemplated by this Agreement is in the best interests of DAC and the DAC
Stockholder.

      NOW, THEREFORE, in consideration of the mutual covenants and agreements
contained herein, and certain other good and valuable consideration, the receipt
and sufficiency of which is hereby acknowledged, the parties hereto covenant and
agree as follows:

                                   ARTICLE 1.

                                PURCHASE AND SALE

      1.1 Purchase Price. Upon the terms and subject to the conditions set forth
in this Agreement, at the Closing provided for in Section 1.5 hereof, the DAC
Stockholder shall sell, assign, transfer, convey and deliver to Walker, and
Walker shall purchase, all right, title and interest in and to ninety percent
(90%) of such DAC Stockholder's shares of DAC, free and clear of all liens,
security interests, charges, encumbrances and rights of others. In consideration
for the shares of DAC Stock so acquired by Walker, Walker shall pay Two Million
Dollars ($2,000,000.00) on the terms described in this Paragraph plus an
adjustment for the "Earn-Out" as specified in Section 1.2 below as follows (the
"Purchase Price"):

            1.1.1 Initial Cash Payment. A cash payment in the amount of One
Million and No/100 Dollars ($1,000,000.00) ("Cash Payment") which shall be
payable in cash or certified funds which shall be paid by Buyer at Closing.

            1.1.2 Secured  Promissory  Note.  Buyer shall  execute,  in favor of
Stockholder,  a Secured  Promissory  Note in the form attached hereto as Exhibit
"1.1.2" (the "Secured  Promissory  Note") in the principal amount of One Million
Dollars ($1,000,000.00), payable to the Stockholder over a period of forty-eight
(48)  months  with the first  payment  being due six (6) months from the date of

<PAGE>

Closing,  bearing  interest  at the rate of five  percent  (5%) per  annum  with
quarterly  principal and interest  payments as listed on Schedule  1.1.2 of this
Agreement and Exhibit A of the Secured Promissory Note. Interest shall not begin
accruing until the 6 month anniversary of the Closing..

                  1.1.2.1 Collateral. The Note shall be secured against DAC's
Closing inventory, deposit accounts, account receivables, tools, equipment,
furniture, fixtures, rights to income, proprietary and intellectual property,
and assets, tangible and intangible, wherever located and any subsequent change
in form (the "Collateral").

                  1.1.2.2 Security Agreement. Buyer shall hand to Shareholder at
the Closing a Security Agreement securing the obligation of the Secured
Promissory Note in a form and content attached hereto as Exhibit "1.1.2.2" (the
"Security Agreement").

                  1.1.2.3 UCC-1 Financing Statement. Buyer shall hand to
Shareholder at the Closing a UCC-1 Financing Statement allowing Shareholder to
perfect her security interest in the Collateral by filing with the California
Secretary of State in the form and content attached hereto as Exhibit "1.1.2.3"
(the "UCC-1 Financing Statement").

      1.2 Earn-Out. An earn-out will be paid to the Stockholder equal to five
percent (5%) of all revenues earned and received in excess on One Million Two
Hundred Fifty Thousand Dollars ($ 1,250,000.00) on an annual basis for a period
of six (6) years up to a maximum cumulative payment of Three Million dollars
($3,000,000.00).

      1.3 Purchase Option. Buyer shall have the option of purchasing the
remaining ten percent (10%) of the stock held by Shareholder in DAC it is not
purchasing at the Closing Date at any time after the four (4) year anniversary
of the Closing Date. The purchase price shall be equal to ten percent (10%) of
the product of EBITDA before parent company charges for the twelve (12) months
ending for the prior calendar year multiplied by a factor of six (6). The
purchase price shall be payable as follows: thirty five percent (35%) in cash;
thirty percent ( 30%) in Walker Common Stock ( determined by using the average
closing price of Walker Common Stock for the prior 30 trading days from the
closing of this transaction); and the remainder as a promissory note with a term
of three (3) years carrying an interest rate of Prime (the "Stock Purchase
Note", a copy of which is attached hereto as Exhibit 1.4(A)), and secured by way
of a stock pledge from Buyer to Shareholder pledging the ten percent of the
stock purchased by Buyer as collateral for the obligation to pay the remaining
purchase price on the Stock Purchase Note (the "Stock Pledge Agreement", a copy
of which is attached hereto as Exhibit "1.4(B)").

      1.4. Closing. The purchase and sale provided for in this Agreement will
take place at the offices of DAC, 2775 Feather River Boulevard, Oroville,
California 95965 on May 6th, 2005 but which may be extended by mutual agreement
of the parties (the "Closing" or "Closing Date"). Each party will use its
reasonable best efforts to cause to be prepared, executed and delivered at the
Closing the documents to be delivered pursuant to Articles 5 and 6 and all other
appropriate and customary documents as any party or its counsel may reasonably
request for the purpose of consummating the transactions contemplated by this
Agreement. All actions taken at the Closing shall be deemed to have been taken
simultaneously at the time the last of any such actions is taken or completed.

      1.5. Fees and Expenses. Whether or not the transaction contemplated herein
is consummated, the parties hereto shall pay their own respective expenses,
including, without limitation, legal fees and commissions. Buyer will advance
all costs required to perform an audit of Company's financials and to prepare an
audited financial statement related to same (the "Audit"). The costs of the
Audit shall be paid equally by Buyer and the DAC Stockholder, but in no event
shall the costs to the DAC Stockholder shall exceed the sum of $20,000.00. The
DAC Stockholder's share of the Audit fees shall be deducted from its proceeds at
the Closing.

      1.6. Due Diligence Period. Buyer shall have twenty one (21) days from the
date this Agreement is executed by all parties to conduct its investigation into
the Company, its assets and financial condition (the "Due Diligence Period"). At
any time prior to the expiration of the Due Diligence Period, Buyer may give
notice of any unacceptable condition found related to the Company and request

                                       2
<PAGE>

that such condition be remedied by the Company or that this Agreement be
terminated with no liability whatsoever to Buyer.

      1.7. Non-Solicitation. For a period from and after the execution of this
Agreement of Purchase until the earlier of Buyer providing notice to DAC that
this Agreement is terminated pursuant to Paragraph 1.6 of this Agreement or the
Closing Date, the DAC Stockholder, DAC and its agents and representatives will
not solicit nor respond to inquiries or proposals with respect to, or furnish
any information relating to, or participate in any negotiations or discussions
concerning any acquisition of its capital stock, a material debt financing
and/or the sale of all or substantially all of its assets, other than with Buyer
as contemplated herein.

      1.8. Shareholder and Key Employee Employment Agreements. As a condition to
the Closing the Shareholder shall execute and deliver at Closing the Employment
Agreement, Non-Competition, Non-Solicitation and Confidentiality Agreements
attached hereto as Exhibit "1.8(A)", and the Company key employees, Michael Boga
and Michael Mullins shall have executed the Employment Agreements and
Non-Competition, Non-Solicitation and Confidentiality Agreements attached hereto
as Exhibits "1.8(B)" and "1.8(C)", respectively, and the Buyer shall have
acknowledged and approved same.

                                   ARTICLE 2.

                      REPRESENTATIONS AND WARRANTIES OF DAC
                             AND THE DAC STOCKHOLDER

      2.1 DAC. DAC hereby represents and warrants to Walker that, except as
otherwise set forth on the DAC Disclosure Schedule (herein so called) attached
hereto:

            2.1.1 Organization and Good Standing. DAC is a corporation duly
organized, validly existing and in good standing under the laws of the State of
California. DAC has no subsidiaries and does not own any equity, profit sharing,
participation or other ownership interest (including any general partnership
interest, limited partnership interest or membership interest) in any
corporation, partnership, limited partnership, limited liability company or
other entity.

            2.1.2. Corporate Power and Authority. DAC has the corporate power
and authority to own, lease and operate its properties and assets and to carry
on its business as currently being conducted. DAC has the corporate power and
authority to execute and deliver this Agreement and to perform its obligations
under this Agreement. The execution, delivery and performance by DAC of this
Agreement has been duly authorized by all necessary corporate action.

            2.1.3. Binding Effect. This Agreement has been duly executed and
delivered by DAC and is the legal, valid and binding obligation of DAC
enforceable in accordance with its terms, except that:

                  (a) enforceability may be limited by bankruptcy, insolvency or
other similar laws affecting creditors' rights;

                  (b) the availability of equitable remedies may be limited by
equitable principles of general applicability; and

                  (c) rights to indemnification may be limited by considerations
of public policy.

            2.1.4. Absence of Restrictions and Conflicts. The execution,
delivery and performance of this Agreement and the consummation of the Exchange
and the fulfillment of and compliance with the terms and conditions of this
Agreement do not and will not, with the passing of time or the giving of notice
or both, violate or conflict with, constitute a breach of or default under,
result in the loss of any material benefit under, or permit the acceleration of

                                       3
<PAGE>

any obligation under, (i) any term or provision of the Certificate of
Incorporation or By-Laws of DAC, (ii) any DAC Material Contract (as defined in
Section 2.1.10), (iii) any judgment, decree or order of any court or
governmental authority or agency to which DAC or by which DAC or any of its
respective properties is bound, or (iv) any statute, law, regulation or rule
applicable to DAC. No consent, approval, order or authorization of, or
registration, declaration or filing with, any governmental agency or public or
regulatory unit, agency, body or authority with respect to DAC is required in
connection with the execution, delivery or performance of this Agreement by DAC.

            2.1.5. Capitalization of DAC

                  (a) The authorized capital stock of DAC consists of _________
shares of DAC Common Stock. As of the date hereof, there are _________ shares of
DAC Stock issued and outstanding and the DAC Stockholder owns the shares of DAC
Stock as set forth on Section 2.1.5 of the DAC Disclosure Schedule.

                  (b) All of the issued and outstanding shares of DAC Stock have
been duly authorized and validly issued and are fully paid and non-assessable
and free of preemptive rights.

                  (c) To DAC's knowledge, there are no voting trusts,
stockholder agreements or other voting arrangements, charges, liens or
encumbrances on shares issued by DAC that have been granted by the DAC
Stockholder, except as set forth on Section 2.1.5(c) of the DAC Disclosure
Schedule.

                  (d) There is no outstanding subscription, contract,
convertible or exchangeable security, option, warrant, call or other right
obligating DAC to issue, sell, exchange, or otherwise dispose of, or to
purchase, redeem or otherwise acquire, shares of, or securities convertible into
or exchangeable for DAC Stock, except as set forth in Section 2.1.5 (d) of the
DAC Disclosure Schedule.

            2.1.6. Financial Statements

                  (a) The Company by the Closing Date will have heretofore
provided to Buyer true, complete and correct copies of (i) unaudited balance
sheets, statements of operations, Shareholder's capital and cash flows for the
Company (together with all notes and opinions thereto of independent auditors)
for the fiscal years ended December 31, 2003 and December 31, 2004 and (ii)
unaudited balance sheets, statements of income, shareholder's equity capital and
cash flows for the Company for the first quarter ending March 31, 2005
(collectively, the "Financial Statements").

                  (b) The Company shall provide to Buyer true and correct copies
of unaudited interim balance sheets, statements, of income, operations,
Shareholder's capital and cash flow for the Company for each month and three
month period (together with year-to-date statements) beginning with the
statements for the month ending January 31, 2005 and through the month preceding
the Closing (collectively, the "Interim Statements"). The Interim Statements
shall be prepared on the accrual basis and otherwise in conformity with GAAP
(except for required and normal year-end adjustments) and present fairly in all
material respects the assets, liabilities, financial position and results of
operations of the Company as of the respective dates and for the respective
periods covered thereby.

            2.1.7. Absence of Certain Changes. Except as set forth on Section
2.1.7. of the DAC Disclosure Schedule, since January 1, 2004, DAC has not:

            (a) suffered any adverse change in its business, operations, assets,
            or condition (financial or otherwise), except as reflected on the
            DAC Financial Statements;

            (b) suffered any material damage or destruction to or loss of the
            assets of DAC, whether or not covered by insurance, which property
            or assets are material to the operations or business of DAC taken as
            a whole;

                                       4
<PAGE>

            (c) settled, forgiven, compromised, canceled, released, waived or
            permitted to lapse any material rights or claims, other than in the
            ordinary course of business;

            (d) entered into or terminated any material agreement, commitment or
            transaction, or agreed to or made any changes in material leases or
            agreements, other than renewals or extensions thereof and leases,
            agreements, transactions and commitments entered into or terminated
            in the ordinary course of business;

            (e) written up, written down or written off the book value of any
            material amount of assets, other than in the ordinary course of
            business. However, DAC and Shareholder have informed Buyer that some
            of DAC's accounts receivable are aged and uncollectible and neither
            DAC nor Shareholder make any warranty or representation, actual or
            implied, as to the collectablity of same.

            (f) declared, paid or set aside for payment any dividend or
            distribution with respect to the DAC Stock;

            (g) redeemed, purchased or otherwise acquired, or sold, granted or
            otherwise disposed of, directly or indirectly, any shares of DAC
            Stock or securities or any rights to acquire such capital stock or
            securities, or agreed to changes in the terms and conditions of any
            such rights outstanding as of the date of this Agreement;

            (h) increased the compensation of or paid any bonuses to any
            employees or contributed to any employee benefit plan or pension
            scheme, other than in the ordinary course of business and consistent
            with established policies, practices or requirements;

            (i) entered into any employment, consulting or compensation
            agreement with any person or group;

            (j) entered into any collective bargaining agreement or trade union
            recognition agreement with any person or group;

            (k) entered into, adopted or amended any employee benefit plan or
            share option scheme or agreement; or

            (l) entered into any agreement to do any of the foregoing.

            2.1.8. No Material Undisclosed Liabilities. Except as set forth on
Schedule 2.1.8 of the DAC Disclosure Schedule, there are no liabilities or
obligations of DAC of any nature, whether absolute, accrued, contingent, or
otherwise, other than liabilities and obligations:

            (a) in the aggregate adequately provided for in the DAC Financial
            Statements;

            (b) incurred in the ordinary course of business and not required
            under generally accepted accounting principles to be reflected in
            the DAC Financial Statements;

            (c) incurred since January 1, 2004, in the ordinary course of
            business; or

            (d) incurred in connection with this Agreement.

            2.1.9. Tax Returns: Taxes. DAC (a) has duly filed all U.S. federal
and material state, county, local and foreign tax returns and reports required
to be filed by it, including those with respect to income, payroll, property,
withholding, social security, unemployment, franchise, excise and sales taxes
and all such returns and reports are correct in all material respects; (b) has
either paid in full all taxes that have become due as reflected on any return or
report and any interest and penalties with respect thereto or has fully accrued
on its books or has established adequate reserves for all taxes payable but not
yet due; and (c) has made required cash deposits with appropriate governmental

                                       5
<PAGE>

authorities representing estimated payments of taxes, including income taxes and
employee withholding tax obligations. No extension or waiver of any statute of
limitations or time within which to file any return has been granted to or
requested by DAC with respect to any tax. No unsatisfied deficiency, delinquency
or default for any tax, assessment or governmental charge has been claimed,
proposed or assessed against DAC, nor has DAC received notice of any such
deficiency, delinquency or default. DAC has no material tax liabilities, other
than those arising in the ordinary course of business since January 1, 2004. .

            2.1.10. Material Contracts. DAC has furnished or made available to
Walker accurate and complete copies of the DAC Material Contracts applicable to
DAC. Except as set forth on Section 2.1.10 of the DAC Disclosure Schedule, there
is not under any of the DAC Material Contracts any existing breach, default or
event of default by DAC nor event that with notice or lapse of time or both
would constitute a breach, default or event of default by DAC, nor does DAC know
of, and DAC has not received notice of, or made a claim with respect to, any
breach or default by any other party thereto. As used herein, the term "DAC
Material Contracts" shall mean all (i) contracts, licenses, leases, instruments,
mortgages, deeds of trust [involving obligations of DAC in excess of $20,000];
(ii) employee benefit plans, or arrangements or understandings with, or for the
benefit of the employees of DAC; and (iii) insurance policies, [but shall
exclude contracts with customers entered into in the ordinary course of
business].

            2.1.11. Litigation and Government Claims. There is no pending suit,
claim, action or litigation, or administrative, arbitration or other proceeding
or governmental investigation or inquiry against DAC to which its businesses or
assets is subject, and to the knowledge of DAC, there are no such proceedings
threatened or contemplated. DAC is not subject to any judgment, decree,
injunction, rule or order of any court, or, to the knowledge of DAC, any
governmental restriction applicable to DAC that is reasonably likely to cause a
material limitation on Walker's ability to own and operate the business of DAC
(as it is currently operated) after the Closing.

            2.1.12. Compliance With Laws. DAC has all material authorizations,
approvals, licenses and orders to carry on its business as it is now being
conducted, to own or hold under lease the properties and assets it owns or holds
under lease and to perform all of its obligations under the agreements to which
it is a party. DAC has been and is, to the knowledge of DAC, in compliance with
all applicable laws, regulations and administrative orders of any country, state
or municipality or of any subdivision of any thereof to which its business,
ownership of assets and its employment of labor or its use or occupancy of
properties or any part thereof are subject.

            2.1.13. Pension and Profit Sharing Plans. DAC does not currently
have in effect any employee pension or profit sharing plans.

            2.1.14. Employee Benefit Agreements. Section 2.1.14 of the DAC
Disclosure Schedule sets forth a complete and accurate list of all material
employee benefit plans, agreements and arrangements to which DAC is a party,
including without limitation (i) all severance, employment, consulting or
similar contracts, (ii) all material agreements and contracts with "change of
control" provisions or similar provisions and (iii) all indemnification
agreements or arrangements with directors or officers not included in its
organizational documents or provided by law.

            2.1.15 Intellectual Property. Section 2.1.15 of the DAC Disclosure
Schedule contains a true and complete list of all copyrights, trademarks,
service marks, trade names, patents, business names, domain names, software and
other similar tangible or intangible property rights and interests (hereinafter
sometimes individually and collectively referred to as the "Intellectual
Property Rights") applied for, issued to or owned by the Company, under which
the Company is licensed or franchised, or used in the conduct of the Company's
business, all of which are valid and in good standing and uncontested, except as
disclosed on Part 2.1.15(a) of the Disclosure Schedule. The Company has
delivered to Buyer copies of all documents establishing the Intellectual
Property Rights. Except as disclosed on Part 2.1.15(a) of the Disclosure
Schedule, the Company is not infringing upon or otherwise acting adversely to
any Intellectual Property Right owned by any person or persons, and there is no
such claim or action pending, or to the best knowledge of the Company and the
Shareholder threatened with respect thereto. The Company and the Shareholder
have no knowledge that any Person is infringing on any Intellectual Property
Right of the Company.

(b) The Company has taken all reasonable security measures to protect the
secrecy, confidentiality, and value of its Trade Secrets, ("Trade Secrets"-all

                                       6
<PAGE>

licenses, processes, algorithms, formulae, designs, methods, trade secrets,
inventions, proprietary or technical information, Design Documentation and data
covering or embodied in any software or other assets owned by the Company or
used in the conduct of its business) and any other persons who have knowledge of
or access to information relating to the Trade Secrets have been put on notice
and, if appropriate, have entered into agreements that the Trade Secrets are
proprietary to the Company and are not to be divulged or misused. All of the
Trade Secrets are presently valid and protectable, are not part of the public
domain, and have not been used, divulged, or appropriated for the benefit of any
persons other than the Company or to the detriment of the Company. The Company
and the Shareholder have no knowledge that any person is infringing on any Trade
Secret of the Company.

(c) Part 2.1.15(c) of the Disclosure Schedule contains a complete and accurate
list of all software developed and owned by the Company (the "Software"). The
Company is in actual and sole possession of the complete source code of the
Software and all design documentation. Except as set forth in Part 2.1.15(c) of
the Disclosure Schedule there are no defects in any Software, and there are no
errors in any design documentation, which defects or errors would in any
material respect affect the use of any Software or the functioning of any
Software in accordance with the specifications for the Software published by the
Company or its customers, the Software has all the features described in the
design documentation for that Software and materials made available to the
Company's customers, and the Software does not contain any "back door," "time
bomb," "Trojan horse," "worm," "drop dead device," "virus" (as these terms are
commonly used in the computer software industry), or other software routines or
hardware components designed to permit unauthorized access, to disable or erase
software, hardware, or data, or to perform any other similar type of functions.
The Company has delivered to Buyer complete and accurate records of the Company
with respect to Software fixes (including fixes currently in progress), problem
lists, maintenance of the Software, and customer complaints, and all warranty
claims (including any pending claims) related to the Software are described in
Part 2.15(c) of the Disclosure Schedule. Except as set forth in Part 2.15(c) of
the Disclosure Schedule, the Company has made no representations and warranties
with respect to the Software.

            2.1.16. Title to Properties and Related Matters. DAC has good and
valid title to or valid license or leasehold interests in its properties (other
than personal properties sold or otherwise disposed of in the ordinary course of
business), and all of such properties and all assets purchased by DAC are free
and clear of any lien, claim or encumbrance, except for:

            (a) liens for taxes, assessments or other governmental charges not
            yet due and payable or the validity of which are being contested in
            good faith by appropriate proceedings;

            (b) statutory liens incurred in the ordinary course of business that
            are not yet due and payable or the validity of which is being
            contested in good faith by appropriate proceedings;

            (c) landlord liens contained in leases entered into in the ordinary
            course of business; and

            (d) other liens, claims or encumbrances that, in the aggregate, do
            not materially subtract from the value of, or materially interfere
            with, the present use of any real property owned or used by DAC.

All properties and assets material to the present operations of DAC are owned or
leased by DAC in the manner and to the extent required by applicable law.

            2.1.17. Brokers. Except as set forth in Part 2.1.17 of the
Disclosure Letter, the Company, the Shareholder and her agents have incurred no
obligation or liability, contingent or otherwise, for brokerage or finders' fees
or agents' commissions or other similar payment in connection with this
Agreement other than with Sunbelt Business Advisors Norcal. The DAC Shareholder
represents and warrants that it will pay Sunbelt Business Advisors Norcal its
fee and will hold Buyer harmless and indemnify Buyer for the non-payment of
such. .

      2.2. DAC Stockholder. Except as otherwise set forth in the Stockholder
Disclosure Schedule (herein so called) attached hereto, the DAC Stockholder
hereby severally represents and warrants that:

            2.2.1. Ownership. Such DAC Stockholder has good and valid title to
the shares of DAC Stock described on Section 2.1.5. of the DAC Disclosure
Schedule to be sold by such DAC Stockholder hereunder on the Closing Date, free

                                       7
<PAGE>

and clear of all liens, encumbrances, equities or claims, and upon delivery of
such shares and payment therefor pursuant hereto, good and valid title to such
shares will pass to Walker free and clear of all liens, encumbrances, equities
or claims of any nature whatsoever.

            2.2.2. Authority. Such DAC Stockholder has full right, power and
authority to enter into this Agreement.

            2.2.3. Conflicts. The execution, delivery and performance of this
Agreement by such DAC Stockholder and the consummation by such DAC Stockholder
of the transactions contemplated hereby will not conflict with or result in a
breach or violation of any of the terms or provisions of, or constitute a
default under, any indenture, mortgage, deed of trust, loan agreement or other
agreement or instrument to which such DAC Stockholder is a party or by which
such DAC Stockholder is bound or to which any of the property or assets of such
DAC Stockholder is subject, nor will such actions result in any violation of any
statute or any order, rule or regulation of any court or governmental agency or
body having jurisdiction over such DAC Stockholder or the property or assets of
such DAC Stockholder.

            2.2.4 Consents. No consent, approval, authorization or order of, or
filing or registration with, any court or governmental agency or body having
jurisdiction over such DAC Stockholder or the property or assets of such DAC
Stockholder is required for the execution, delivery and performance of this
Agreement by such DAC Stockholder and the consummation by such DAC Stockholder
of the Exchange.

            2.2.5 DAC Representations. Such DAC Stockholder has no reason to
believe that the representations and warranties of DAC contained in Section 2.1
hereof, as qualified by the DAC Disclosure Schedule, are not materially true and
correct and has no knowledge of any material fact, condition or information not
disclosed in this Agreement that has adversely affected or may adversely affect
the business of DAC.

                                   ARTICLE 3.

                   REPRESENTATIONS AND WARRANTIES OF WALKER

      Walker hereby represents and warrants to the DAC Stockholder that, except
as otherwise set forth in the Walker Disclosure Schedule (herein so called)
attached hereto:

      3.1. Organization and Good Standing. Walker is a corporation duly
organized, validly existing and in good standing under the laws of the State of
Delaware. Except as set forth in Section 3.1 of the Walker Disclosure Schedule,
Walker has no subsidiaries and no equity, profit sharing, participation or other
ownership interest (including any general partnership interest, limited
partnership interest or membership interest) in any corporation, partnership,
limited partnership, limited liability company or other entity.

      3.2. Foreign Qualification. Walker is duly qualified or licensed to do
business and is in good standing as a foreign corporation in the State of New
York and the jurisdictions in which the nature of the business conducted or
property owned by it requires Walker to be qualified or licensed to do business
as a foreign corporation.

      3.3. Corporate Power and Authority. Walker has the corporate power and
authority and all material licenses and permits to own, lease and operate its
properties and assets and to carry on its business as currently being conducted.
Walker has the corporate power and authority to execute and deliver this
Agreement and to perform its obligations under this Agreement and to consummate
the Exchange. The execution, delivery and performance by Walker of this
Agreement has been duly authorized by all necessary corporate action.

      3.4. Binding Effect. This Agreement has been duly executed and delivered
by Walker and is the legal, valid and binding obligation of Walker, enforceable
in accordance with its terms, except that:

      (a) enforceability may be limited by bankruptcy, insolvency or other
      similar laws affecting creditors' rights;

                                       8
<PAGE>

      (b) the availability of equitable remedies may be limited by equitable
      principles of general applicability; and

      (c) rights to indemnification may be limited by considerations of public
      policy.

      3.5. Absence of Restrictions and Conflicts. The execution, delivery and
performance of this Agreement and the consummation of the Exchange and the
fulfillment of and compliance with the terms and conditions of this Agreement do
not and will not, with the passing of time or the giving of notice or both,
violate or conflict with, constitute a breach of or default under, result in the
loss of any material benefit under, or permit the acceleration of any obligation
under, (i) any term or provision of the Certificate of Incorporation or By-Laws
of Walker, (ii) any Walker Material Contract (as defined in Section 3.11 below),
(iii) any judgment, decree or order of any court or governmental authority or
agency to which Walker is a party or by which Walker or any of its properties is
bound, or (iv) any statute, law, regulation or rule applicable to Walker. No
consent, approval, order or authorization of, or registration, declaration or
filing with, any governmental agency or public or regulatory unit, agency, body
or authority with respect to Walker is required in connection with the
execution, delivery or performance of this Agreement by Walker or the Exchange.

      3.6. Absence of Certain Changes. Except as otherwise set forth in Section
3.6 of the Walker Disclosure Schedule, Walker has not:

      (a)   suffered any adverse change in its business, operations, assets, or
            financial condition, except as reflected on Walker's financial
            statements which are public documents;

      (b)   suffered any material damage or destruction to or loss of the assets
            of Walker, whether or not covered by insurance, which property or
            assets are material to the operations or business of Walker taken as
            a whole;

      (c)   settled, forgiven, compromised, canceled, released, waived or
            permitted to lapse any material rights or claims other than in the
            ordinary course of business;

      (d)   written up, written down or written off the book value of any
            material amount of assets, other than in the ordinary course of
            business;

      (e)   declared, paid or set aside for payment any dividend or distribution
            with respect to Walker capital stock;

      (f)   increased the compensation of or paid any bonuses to any employees
            or contributed to any employee benefit plan, other than in the
            ordinary course of business and consistent with established
            policies, practices or requirements;

      (g)   entered into any collective bargaining agreement or trade union
            recognition agreement with any person or group;

      (h)   entered into any agreement to do any of the foregoing.

      3.7. No Material Undisclosed Liabilities. Except as set forth in Schedule
3.7 of the Walker Disclosure Schedule, there are no liabilities or obligations
of Walker of any nature, whether absolute, accrued, contingent, or otherwise,
other than:

      (a)   in the aggregate adequately provided for in the balance sheet of
            Walker as of September 30, 2004.

      (b)   incurred in connection with this Agreement.

                                       9
<PAGE>

      3.8. Tax Returns; Taxes. Walker (a) has duly filed all U.S. federal and
material state, county, local and foreign tax returns and reports required to be
filed by it, including those with respect to income, payroll, property,
withholding, social security, unemployment, franchise, excise and sales taxes
and all such returns and reports are correct in all material respects; (b) has
either paid in full all taxes that have become due as reflected on any return or
report and any interest and penalties with respect thereto or has fully accrued
on its books or has established adequate reserves for all taxes payable but not
yet due; and (c) has made required cash deposits with appropriate governmental
authorities representing estimated payments of taxes, including income taxes and
employee withholding tax obligations. No extension or waiver of any statute of
limitations or time within which to file any return has been granted to or
requested by Walker with respect to any tax. No unsatisfied deficiency,
delinquency or default for any tax, assessment or governmental charge has been
claimed, proposed or assessed against Walker, nor has Walker received notice of
any such deficiency, delinquency or default. Walker has no material tax
liabilities, other than those arising in the ordinary course of business since
January 1, 2004.

      3.9. Litigation and Government Claims. There is no pending suit, claim,
action or litigation, or administrative, arbitration or other proceeding or
governmental investigation or inquiry against Walker to which its businesses or
assets are subject, and to the knowledge of Walker, there are no such
proceedings threatened or contemplated. Walker is not subject to any judgment,
decree, injunction, rule or order of any court, or, to the knowledge of Walker,
any governmental restriction applicable to Walker.

      3.10. Compliance with Laws. Walker has all material authorizations,
approvals, licenses and orders to carry on its businesses as it is now being
conducted, to own or hold under lease the properties or assets it owns or holds
under lease and to perform all of its obligations under the agreements to which
it is a party. Walker has been and is, to the knowledge of Walker, in compliance
with all applicable laws, regulations and administrative orders of any country,
state or municipality or any subdivision of any thereof to which its businesses,
ownership of assets and its employment of labor or its use or occupancy of
properties or any part thereof are subject.

      3.11 Intellectual Property. Walker owns or has valid, binding and
enforceable rights to use all material patents, trademarks, trade names, service
marks, service names, copyrights, applications therefore and licenses or other
rights in respect thereof ("Walker Intellectual Property") used or held for use
in connection with the business of Walker, without any known conflict with the
rights of others. Walker has not received any notice from any other person
pertaining to or challenging the right of Walker to use any Walker Intellectual
Property or any trade secrets, proprietary information, inventions, know-how,
processes and procedures owned or used or licensed to Walker, except with
respect to rights the loss of which, individually or in the aggregate, would not
have an material adverse effect on Walker. The Walker Intellectual Property
represents all of the proprietary rights necessary to operate Walker's business.

      3.12. Title to Properties and Related Matters. Walker has good and
marketable title to or valid leasehold interests in its properties (other than
personal properties sold or otherwise disposed of in the ordinary course of
business), and all of such properties and all assets purchased by Walker are
free and clear of any lien, claim or encumbrance and except for:

      (a)   liens for taxes, assessments or other governmental charges not yet
            due and payable or the validity of which are being contested in good
            faith by appropriate proceedings;

      (b)   statutory liens incurred in the ordinary course of business that are
            not yet due and payable or the validity of which are being contested
            in good faith by appropriate proceedings;

      (c)   landlord liens contained in leases entered in the ordinary course of
            business; and

      (d)   other liens, claims or encumbrances that, in the aggregate, do not
            materially subtract from the value of, or materially interfere with,
            the present use of, any real property owned or used by Walker.

            All properties and assets material to the present operations of
            Walker are owned or leased by Walker in the manner and to the extent
            required by applicable law.

                                       10
<PAGE>

        3.13. Brokers. Walker has not incurred any liability for brokerage fees,
finders fees, agents commission or other similar forms of compensation in
connection with this Agreement or any transaction contemplated hereby.

                                   ARTICLE 4.

                        CERTAIN COVENANTS AND AGREEMENTS

      4.1. Conduct of Business by DAC From the date hereof to the Closing Date,
DAC will, except as required in connection with this Agreement and except as
otherwise disclosed on the DAC Disclosure Schedule or consented to in writing by
Walker:

      (a)   carry on its business in the ordinary and regular course in
            substantially the same manner as heretofore conducted and not engage
            in any new line of business or enter into any material agreement,
            transaction or activity or make any material commitment except those
            in the ordinary and regular course of business and not otherwise
            prohibited under this Section 4.1;

      (b)   neither change nor amend its Certificate of Incorporation or
            By-Laws;

      (c)   not issue or sell or register the transfer of shares of securities
            or capital stock of DAC or issue, sell or grant options, warrants or
            rights to purchase or subscribe to, or enter into any arrangement or
            contract with respect to the issuance or sale of any of the
            securities of DAC or rights or obligations convertible into or
            exchangeable for any securities of DAC and not alter the terms of
            any presently outstanding warrants or options or make any changes
            (by split-up, combination, reorganization or otherwise) in the
            capital structure of DAC, except as set forth in Section 2.1.5(d) of
            the DAC Disclosure Schedule;

      (d)   not declare, pay or set aside for payment any dividend or other
            distribution in respect of the capital stock or other securities of
            DAC and not redeem, purchase or otherwise acquire any shares of the
            capital stock or other securities of DAC or rights or obligations
            convertible into or exchangeable for any shares of the capital stock
            or other securities of DAC or obligations convertible into such, or
            any options, warrants or other rights to purchase or subscribe to
            any of the foregoing;

      (e)   not acquire or enter into any agreement to acquire, by merger,
            consolidation or purchase of securities or assets, any business or
            entity or any material part of the same;

      (f)   use its reasonable efforts to preserve intact the corporate
            existence, goodwill and business organization of DAC, to keep the
            officers and employees of DAC available to Walker and to preserve
            the relationships of DAC with suppliers, customers and others having
            business relations with any of them;

      (g)   not (i) create, incur or assume any debt (except for debt incurred
            for the operation of DAC's business in the ordinary course which is
            specifically excepted) or create, incur or assume any short-term
            debt for borrowed money, (ii) assume, guarantee, endorse or
            otherwise become liable or responsible (whether directly,
            contingently or otherwise) for the obligations of any other person,
            other than endorsements of negotiable instruments in the ordinary
            course of business, (iii) make any loans or advances to any other
            person, or (iv) make any capital contributions to, or investments
            in, any person;

      (h)   not (i) enter into, modify or extend in any manner the terms of any
            employment, severance or similar agreements with officers and
            directors, (ii) grant any increase in the compensation of officers
            or directors, whether now or hereafter payable or (iii) grant any
            increase in the compensation of any other employees except for
            compensation increases in the ordinary course of business and
            consistent with past practice (it being understood by the parties
            hereto that for the purposes of (ii) and (iii) above increases in
            compensation shall include any increase pursuant to any option,

                                       11
<PAGE>

            bonus, stock purchase, pension, profit-sharing, deferred
            compensation, retirement or other plan, arrangement, contract or
            commitment);

      (i)   not make or incur (other than in the ordinary course of business)
            any individual capital expenditure in excess of $10,000 or capital
            expenditures in the aggregate in excess of $30,000 without the prior
            approval of Walker (as used herein, "capital expenditure" shall mean
            all payments in respect of the cost of any fixed asset or
            improvement or replacement, substitution or addition thereto that
            has a useful life of more than one year, including those costs
            arising in connection with the acquisition of such assets by way of
            increased product or service charges or offset items or in
            connection with capital leases);

      (j)   perform all of its material obligations under all DAC Material
            Contracts (except those being contested in good faith) and not enter
            into, assume or amend any contract or commitment that would be a DAC
            Material Contract other than contracts to provide services entered
            into in the ordinary course of business; and

      (k)   prepare and file all returns for taxes and other tax reports,
            filings and amendments thereto required to be filed by it, and allow
            Walker, at its request, to review all such returns, reports, filings
            and amendments at DAC' offices prior to the filing thereof, which
            review shall not interfere with the timely filing of such returns.

      4.2. Conduct of Business by Walker From the date hereof to the Closing
Date, Walker will, except as required in connection with this transaction and
except as otherwise disclosed in the Walker Disclosure Schedule or as consented
to in writing by DAC:

      (a)   carry on its businesses in the ordinary and regular course in
            substantially the same manner as heretofore conducted and not engage
            in any new line of business or enter into any agreement, transaction
            or activity or make any commitment except in the ordinary and
            regular course of business and not otherwise prohibited under this
            Section 4.2;

      (b)   neither change nor amend its Certificate of Incorporation or
            By-Laws;

      (c)   use its reasonable efforts to preserve intact the corporate
            existence, goodwill and business organization of Walker, to keep the
            officers and employees of Walker available to DAC and to preserve
            the relationships of Walker with suppliers, customers and others
            having business relations with any of them;

      (d)   perform all of its obligations under all Walker Material Contracts
            (except those being contested in good faith); and

      (e)   prepare and file all federal, state, local and foreign returns for
            taxes and other tax reports, filings and amendments thereto required
            to be filed by it, and allow DAC, at its request, to review all such
            returns, reports, filings and amendments at Walker's offices prior
            to the filing thereof, which review shall not interfere with the
            timely filing of such returns.

      4.3 Stockholder Covenants. From the date hereof to the Closing Date, the
DAC Stockholder covenants and agrees that, except as required in connection with
the transaction as contemplated by this Agreement and except as otherwise
disclosed in the DAC Stockholder Disclosure Schedule or consented to in writing
by Walker, such DAC Stockholder will not sell, assign, pledge, encumber, or
otherwise transfer, or grant any other rights in or option to acquire, any of
such DAC Stockholder's Stock or agree to do any of the foregoing.

      4.4. Notice of any Material Change. Each party shall, promptly after the
first notice or occurrence thereof but not later than the Closing Date, advise
the other parties in writing of any event or the existence of any state of facts
that (i) would make any of his, her or its representations and warranties in
this Agreement untrue in any material respect, or (ii) would constitute a breach
of any provisions of this Article 4.

                                       12
<PAGE>

      4.5. Reasonable Efforts; Further Assurances; Cooperation. Subject to the
other provisions of this Agreement, the parties hereto shall use all reasonable
efforts to perform their obligations herein and to take, or cause to be taken,
or do, or cause to be done, all things reasonably necessary, proper or advisable
under applicable law to obtain all regulatory approvals and satisfy all
conditions to the obligations of the parties under this Agreement and to cause
the Exchange and the other transactions contemplated herein to be carried out
promptly in accordance with the terms hereof and shall cooperate fully with each
other and their respective officers, directors, employees, agents, counsel,
accountants and other designees in connection with any steps required to be
taken as a part of their respective obligations under this Agreement, including
without limitation:

            (a)   Each of DAC and Walker shall promptly take, or cause to be
                  taken, all actions and do, or cause to be done, all things
                  reasonably necessary, proper or advisable to obtain any
                  required approval of any federal, state or local governmental
                  agency or regulatory body with jurisdiction over the
                  transactions contemplated by this Agreement.

            (b)   In the event any claim, action, suit, investigation or other
                  proceeding by any governmental body or other person is
                  commenced that questions the validity or legality of the
                  transactions as contemplated by this Agreement or any of the
                  other transactions contemplated hereby or seeks damages in
                  connection therewith, the parties agree to cooperate and use
                  all reasonable efforts to defend against such claim, action,
                  suit, investigation or other proceeding and, if an injunction
                  or other order is issued in any such action, suit or other
                  proceeding, to use all reasonable efforts to have such
                  injunction or other order lifted, and to cooperate reasonably
                  regarding any other impediment to the consummation of the
                  transactions contemplated by this Agreement.

                                    ARTICLE 5

                       CONDITIONS PRECEDENT TO OBLIGATIONS
                             OF THE DAC STOCKHOLDER

      Except as may be waived by a DAC Stockholder as to such DAC Stockholder
only, the obligations of the DAC Stockholder to consummate the transactions
contemplated by this Agreement shall be subject to the satisfaction on or before
the Closing Date of each of the following conditions:

      5.1. Compliance. Walker shall have, or shall have caused to be, satisfied
or complied with and performed in all material respects all terms, covenants and
conditions of this Agreement to be complied with or performed by Walker on or
before the Closing Date.

      5.2. Representations and Warranties. All of the representations and
warranties made by Walker in this Agreement shall be true and correct in all
material respects at and as of the Closing Date with the same force and effect
as if such representations and warranties had been made at and as of the Closing
Date, except for changes permitted or contemplated by this Agreement; provided,
however, that notwithstanding anything herein to the contrary, this Section 5.2
shall be deemed to have been satisfied even if such representations or
warranties are not true and correct, unless the failure of any of the
representations or warranties to be so true and correct would have or would be
reasonably likely to have a material adverse effect on the business, financial
condition or prospects of Walker (an "Walker Material Adverse Change").

      5.3. Material Adverse Changes. There shall not have occurred a Walker
Material Adverse Change.

      5.4. Officer's Certificate. Walker shall have delivered to the DAC
Stockholder a Certificate of the President of Walker, dated the Closing Date,
certifying that the conditions specified in Sections 5.1, 5.2 and 5.3 have been
satisfied.

      5.5. Secretary's Certificate. Walker shall have delivered to the DAC
Stockholder, a certificate of the Secretary of Walker certifying as to its
Certificate of Incorporation, By-Laws, incumbency of officers, and the
resolutions attached thereto and any other corporate proceedings relating to the
authorization, execution and delivery of this Agreement.

                                       13
<PAGE>

      5.6. Exchange by Stockholders. The DAC Stockholder shall have exchanged
ninety percent (90%) of her shares of DAC Stock for the $1,000,000.00 cash
portion of the Purchase Price consideration required to be paid by Walker under
the terms and conditions of this Agreement pursuant to Section 1.1.1 above.

      5.7. Proceedings and Documents. All corporate and other proceedings in
connection with the transactions contemplated by this Agreement and all
documents and instruments incident to such transactions shall be satisfactory to
the DAC Stockholder and the DAC Stockholder shall have received all such
counterpart originals or certified or other copies of such documents as they may
reasonably request.

      5.8 Buyer's Legal Counsel Opinion Letter. Buyer shall have provided DAC
and Shareholder an opinion letter of Buyer's legal counsel opining that the
transaction contemplated herein is lawful in all respects and does not violate
any federal securities laws or state securities laws in any state in which the
transaction may be governed.

      5.9 Buyer's Delivery of Secured Promissory Note and Related Documents.
There has been delivered by Buyer at the Closing the $1,000,000.00 Secured
Promissory Note, Security Agreement and Financing Statement, as required by
Sections 1.1.2; 1.1.2.2; and 1.1.2.3 of this Agreement;

      5.10 Buyer's Approval of Shareholder and Key Employee Employment
Agreements. Buyer shall have provided its signed acknowledgment and approval of
the Shareholder Employment Agreement, Non-Competition and Confidentiality
Agreements attached hereto as Exhibit "1.8(A)", and the key employee Employment
Agreements, Non-Competition and Confidentiality Agreements for Michael Boga and
Michael Mullins attached hereto as Exhibits "1.8(B)" and "1.8(C)", respectively.

                                   ARTICLE 6.

                CONDITIONS PRECEDENT TO OBLIGATIONS OF WALKER

      Except as may be waived by Walker, the obligations of Walker to consummate
the the transaction described in Article 1 of this Agreement of Purchase shall
be subject to the satisfaction, on or before the Closing Date, of each of the
following conditions:

      6.1. Compliance. DAC and the DAC Stockholder shall have, or shall have
caused to be, satisfied or complied with and performed in all material respects
all terms, covenants, and conditions of this Agreement to be complied with or
performed by him, her or it on or before the Closing Date.

      6.2. Representations and Warranties. All of the representations and
warranties made by DAC and the DAC Stockholder in this Agreement shall be true
and correct in all material respects at and as of the Closing Date with the same
force and effect as if such representations and warranties had been made at and
as of the Closing Date, except for changes permitted or contemplated by this
Agreement; provided, however, that notwithstanding anything herein to the
contrary, this Section 6.2 shall be deemed to have been satisfied even if such
representations or warranties are not true and correct, unless the failure of
any of the representations or warranties to be so true and correct would have or
would be reasonably likely to have a material adverse effect on the business,
financial condition or prospects of DAC (an "DAC Material Adverse Change").

      6.3. Material Adverse Changes. Except as set forth in this Agreement or on
the schedules hereto, there shall not have occurred a DAC Material Adverse
Change.

      6.4. DAC Officer's Certificate. DAC shall have delivered to Walker a
Certificate of the President of DAC, dated the Closing Date, certifying that the
conditions specified in Sections 6.1, 6.2 and 6.3 have been satisfied.

      6.5. DAC Secretary's Certificate. DAC shall have delivered to Walker a
certificate of the Secretary of DAC certifying as to its Certificate of
Incorporation, By-Laws, incumbency, and certain resolutions attached thereto and

                                       14
<PAGE>

any other corporate proceedings relating to the authorization, execution and
delivery of this Agreement and the transactions as contemplated by this
Agreement.

      6.6. Exchange by the DAC Stockholder. The DAC Stockholder shall have
exchanged ninety percent (90%) of her DAC Stock for the compensation paid by
Walker pursuant to this Agreement.

      6.7. Non Competition, Non-Solicitation and Confidentiality Agreement. The
DAC Stockholder shall have executed and delivered to Walker the Non-
Competition, Non-Solicitation and Confidentiality Agreement in form and
substance satisfactory to Walker and entered into the Employment Agreement with
DAC and have executed a Stockholders Agreement all of which is attached hereto
and made apart of this Agreement.

      6.8 Proceedings and Documents. All corporate and other proceedings in
connection with the transactions contemplated by this Agreement and all
documents and instruments incident to such transactions shall be satisfactory to
Walker and its counsel, and Walker and its counsel shall have received all such
counterpart originals or certified or other copies of such documents as they may
reasonably request.

      6.9 Buyers Reistration Statement. The Buyer's SB-2 Registration Statement
which was filed with the SEC has been declared effective.

      6.10 Financial Statements The Buyer has received the financial statements
from the Company pursuant to Paragraph 2.1.6 of this Agreement.

      6.11 No Claim Regarding Assets or Sale There must not have been made or
threatened (orally or in writing) by any Person any claim asserting that such
Person (a) has the right to acquire or obtain any interest in the Stock, or (b)
is entitled to all or any portion of the Purchase Price payable for the Stock.

      6.12 No Prohibition Neither the consummation nor the performance of any of
the contemplated transactions by the Company will, directly or indirectly (with
or without notice or lapse of time), materially contravene, or conflict with, or
result in a material violation of, or cause Buyer or any Person affiliated with
Buyer to suffer any material adverse consequence under, (i) any applicable Legal
Requirement or Order, or (ii) any Legal Requirement or Order that has been
published, introduced, or otherwise formally proposed by or before any
Governmental Body.

      6.13 Disclosure Schedule Buyer's receipt and review of the Disclosure
Schedule within ten days from the execution of this Agreement and acceptance of
the Disclosure Schedule and the materials disclosed therein to Buyer's
satisfaction within 10 business days from the Buyers receipt of said Disclosure
Schedule.

      6.14 Execution of Shareholder and Key Employee Employment Agreements.
Shareholder and Company key employees, Michael Boga and Michael Mullins, shall
have executed and deposited their respective Employment Agreements, Non
Competition and Confidentiality Agreements attached hereto as Exhibits "1.8(A)",
1.8(B)" and "1.8(C)".

                                   ARTICLE 7.

                                  MISCELLANEOUS

      7.1. Termination. Subject to Section 7.3, this Agreement and the
transactions contemplated hereby and the provisions herein may be terminated at
any time on or before the Closing Date:

      (a)   by mutual consent of DAC, the DAC Stockholder and Walker;

      (b)   by Walker or DAC if the transaction contemplated under this
            Agreement has not been or is incapable of being consummated by
            ______________, 2005, as extended (the "Termination Date"), unless

                                       15
<PAGE>

            such failure of consummation is due to the failure of the
            terminating party to perform or observe the covenants, agreements,
            and conditions hereof to be performed or observed by him, her or it
            at or before the Closing Date; provided, that the non-breaching
            party's cause of action resulting from such failure to perform or to
            observe the covenants, agreements and conditions hereof shall not be
            terminated; or

        (c) by DAC, Walker or the DAC Stockholder if the transactions
            contemplated hereby violate any non-appealable final order, decree,
            or judgment of any court or governmental body or agency having
            competent jurisdiction.

      7.2. Entire Agreement. This Agreement, including the schedules and
exhibits hereto, contain the complete agreement among the parties with respect
to the transactions contemplated hereby and supersede all prior agreements and
understandings among the parties with respect to such transactions. Section and
other headings are for reference purposes only and shall not affect the
interpretation or construction of this Agreement. The parties hereto have not
made any representation or warranty except as expressly set forth in this
Agreement or in any certificate or schedule delivered pursuant hereto. The
disclosure schedules hereto shall be read as a whole and information on any
particular section thereto shall be deemed to be responsive to other appropriate
sections of the same disclosure schedule. The obligations of any party under any
agreement executed pursuant to this Agreement shall not be affected by this
section.

      7.3. Indemnification; Remedies.

            7.3.1. Survival. All representations and warranties in this
Agreement, the Disclosure Letter, the supplements to the Disclosure Letter, and
any other certificate or document delivered pursuant to this Agreement will
survive the Closing. The right to indemnification, reimbursement or other remedy
based on such representations and warranties will not be affected by any
investigation conducted by Buyer or its agents. Notwithstanding the foregoing,
(a) all representations and warranties shall continue in effect if a claim for
breach thereof has been made prior to the expiration of the applicable survival
period and shall survive until such claim is resolved and (b) any representation
or warranty of which either the Company or any Shareholder had knowledge of a
misrepresentation or breach at any time prior to the date on which such
representation or warranty is made shall survive indefinitely.

            7.3.2. Indemnification and Reimbursement by the Company and
Shareholder. The Company and its Shareholder jointly and severally, will
indemnify and hold harmless Buyer and its employees, officers, directors,
stockholders, controlling persons, and affiliates (collectively, the
"Indemnified Persons"), and will reimburse the Indemnified Persons, for any
loss, liability, claim, damage, expense (including costs of investigation and
defense and reasonable attorneys' fees) or diminution of value, but excluding
consequential or punitive damages, whether or not involving a third-party claim
(collectively, "Damages"), arising from or in connection with: (a) any material
misrepresentation or breach of any representation or warranty made by the
Company in or pursuant to this Agreement, the Disclosure Letter, the supplements
to the Disclosure Letter, or any other certificate or document delivered by the
Company or the Shareholder pursuant to this Agreement; (b) any non-compliance
with or breach by the Company or the Shareholder of any covenant or obligation
of the Company or the Shareholder in this Agreement; (c) (i) the operation of
the Company's business (including the development, manufacture, sale, shipment,
license or use of the Software or other product of, or services provided by, the
Company) prior to the Closing Date, or (ii) any liabilities or obligations of
the Company other than those listed Section 2.1.9 of the DAC Disclosure
Schedule; or (d) any claim by any Person for brokerage or finder's fees or
commissions or similar payments based upon any agreement or understanding
alleged to have been made by any such Person with the Company or the
Shareholders (or any Person acting on its or his behalf) in connection with any
of the Contemplated Transactions.

            7.3.3 Indemnification and Reimbursement by Buyer. Buyer shall
indemnify and hold harmless the Company and the Shareholder, and will reimburse
the Company and the Shareholder, for any Damages, including reimbursement of
reasonable attorneys fees and costs, arising from or in connection with: (a) any
misrepresentation or breach of any representation or warranty made by Buyer in
this Agreement or in any certificate delivered by Buyer pursuant to this
Agreement; (b) any non-compliance with or breach by Buyer of any covenant or
obligation of Buyer in this Agreement; (c) any claim by any Person arising from
the Buyer's ownership or utilization of the Assets after the Closing Date

                                       16
<PAGE>

(except to the extent such claim relates to a matter for which Buyer is entitled
to indemnification pursuant to Section 7.3.2; or (d) any claim by any Person for
brokerage or finder's fees or commissions or similar payments based upon any
agreement or understanding alleged to have been made by such Person with Buyer
(or any Person acting on its behalf) in connection with any of the Contemplated
Transactions.

            7.3.4. Right of Setoff. Upon notice to the Company specifying in
reasonable detail the damages which are the basis for any such set-off, Buyer
may set off an amount equal to the known or reasonably anticipated Damages to
which it may be entitled under this Section 7.3.2 against amounts otherwise
payable under Section 1.2. Neither the exercise of nor the failure to exercise
such right of set-off will constitute an election of remedies or limit Buyer in
any manner in the enforcement of any other remedies that may be available to it.

            7.3.5 Procedure for Indemnification - Third Party Claims.

            (a) Promptly after receipt by an indemnified party under Section
7.3.2 or 7.3.3 of notice of a claim against it (a "Claim"), the indemnified
party will, if a claim is to be made against an indemnifying party under such
Section, give notice to the indemnifying party of the Claim, but the failure to
notify the indemnifying party will not relieve the indemnifying party of any
liability that it may have to any indemnified party, except to the extent that
the indemnifying party demonstrates that the defense of such action is
prejudiced by the indemnified party's failure to give such notice.

            (b) If any Claim referred to in Section 7.3.5(a) is made against an
indemnified party and it gives notice to the indemnifying party of the Claim,
the indemnifying party will, unless the Claim involves tax liabilities, be
entitled to participate in the defense of the Claim and, to the extent that it
wishes (unless (i) the indemnifying party is also a party to the Claim and the
indemnified party determines in good faith that joint representation would
result in a conflict of interest, or (ii) the indemnifying party fails to
provide reasonable assurance to the indemnified party of its financial capacity
to defend the Claim and provide indemnification with respect to the Claim), to
assume the defense of the Claim with counsel satisfactory to the indemnified
party and, after notice from the indemnifying party to the indemnified party of
its election to assume the defense of the Claim, the indemnifying party will
not, as long as it diligently conducts such defense, be liable to the
indemnified party under such Section for any fees of other counsel or any other
expenses with respect to the defense of the Claim in each case subsequently
incurred by the indemnified party in connection with the defense of the Claim,
other than reasonable costs of investigation. If the indemnifying party assumes
the defense of a Claim, (a) no compromise or settlement of such claims may be
effected by the indemnifying party without the indemnified party's consent
unless (i) there is no finding or admission of any violation of Legal
Requirements or any violation of the rights of any Person and no effect on any
other Claims that may be made against the indemnified party, and (ii) the sole
relief provided is monetary damages that are paid in full by the indemnifying
party; and (b) the indemnifying party will have no liability with respect to any
compromise or settlement of such claims effected without its consent. If notice
is given to an indemnifying party of a Claim and the indemnifying party does
not, within ten days after the indemnified party's notice is given, give notice
to the indemnified party of its election to assume the defense of the Claim, the
indemnifying party will be bound by any determination with respect to the Claim
or any compromise or settlement effected by the indemnified party.

            (c) Notwithstanding the foregoing, if an indemnified party
determines in good faith that there is a reasonable probability that a Claim may
adversely affect it or its Related Persons other than as a result of monetary
damages for which it would be entitled to indemnification under this Agreement,
the indemnified party may, by notice to the indemnifying party, assume the
exclusive right to defend, compromise, or settle the Claim, but the indemnifying
party will not be bound by any determination of a Claim so defended or any
compromise or settlement effected without its consent (which may not be
unreasonably withheld).

            7.3.6. Procedure for Indemnification - Other Claims. A claim for
indemnification for any matter not involving a third-party claim may be asserted
by notice to the party from whom indemnification is sought.

      7.4. Counterparts. This Agreement may be executed in any number of
counterparts, each of which when so executed and delivered shall be deemed an
original, and such counterparts together shall constitute only one original.

                                       17
<PAGE>

      7.5. Notices. All notices, demands, requests, or other communications that
may be or are required to be given, served, or sent by any party to any other
party pursuant to this Agreement shall be in writing and shall be sent by
facsimile transmission, nationally recognized overnight courier, or mailed by
first-class, registered or certified mail, return receipt requested, postage
prepaid, or transmitted by hand delivery, addressed as follows:

      (i) If to Walker Financial Corporation:

            Mr. Mitchell Segal
            President
            Walker Financial Corporation
            990 Stewart Avenue
            Suite 60-A
            Garden City, New York 11530

          If to the Company:

            Ms. Barbara Thorpe
            Disability Access Consultants, Inc.
            2775 Feather River Blvd.
            Oroville, CA. 95965

          With Copy to:

            David R. Griffith, Esq.
            Stewart, Humpherys, Burchett & Molin, LLP
            3120 Cohasset Road, Suite 6
            Chico, CA 95927
            Facsimile: (530) 894-2103

          If to the DAC Stockholder:

            Ms. Barbara Thorpe
            ------------------------------
            ------------------------------

      Each party may designate by notice in writing a new address to which any
notice, demand, request, or communication may thereafter be so given, served, or
sent. Each notice, demand, request, or communication that is mailed, delivered,
or transmitted in the manner described above shall be deemed sufficiently given,
served, sent, and received for all purposes at such time as it is delivered to
the addressee (with the return receipt, the delivery receipt or the affidavit of
messenger being deemed conclusive evidence of such delivery) or at such time as
delivery is refused by the addressee upon presentation.

      7.6. Successors; Assignments. This Agreement and the rights, interests,
and obligations hereunder shall be binding upon and shall inure to the benefit
of the parties hereto and their respective successors and assigns. Neither this
Agreement nor any of the rights, interests or obligations hereunder shall be
assigned, by operation of law or otherwise, by any of the parties hereto without
the prior written consent of the other, which shall not be unreasonably
withheld.

      7.7. Governing Law. This Agreement shall be construed and enforced in
accordance with the State of Delaware.

                                       18
<PAGE>

      7.8. Waiver and Other Action. This Agreement may be amended, modified, or
supplemented only by a written instrument executed by the parties against which
enforcement of the amendment, modification or supplement is sought.

      7.9. Severability. If any provision of this Agreement is held to be
illegal, invalid, or unenforceable, such provision shall be fully severable, and
this Agreement shall be construed and enforced as if such illegal, invalid, or
unenforceable provision were never a part hereof; the remaining provisions
hereof shall remain in full force and effect and shall not be affected by the
illegal, invalid, or unenforceable provision or by its severance; and in lieu of
such illegal, invalid, or unenforceable provision, there shall be added
automatically as part of this Agreement, a provision as similar in its terms to
such illegal, invalid, or unenforceable provision as may be possible and be
legal, valid, and enforceable.

      7.10 Enforcement. The DAC Stockholder acknowledges that, due to the unique
nature of her shares of DAC Stock, the breach of this Agreement by such DAC
Stockholder will cause Walker irreparable damage, and therefore, Walker may
enforce its rights under this Agreement by equitable relief, including
injunction and specific performance, in addition to other remedies it may have
at law or in equity.

      8.1 Buyer's Acknowledgement of Risk and Qualification. DAC and Shareholder
advise Buyer that the purchase of the Stock contemplated under this Agreement is
risky and that there is no guaranty that the purchase of Stock will yield any
return or profit to Buyer and in fact could only result in a loss. DAC and
Shareholder further advise Buyer that there is no guaranty as to the future
profitability of the Company's operations or that the Company or its assets can
or will generate any profits. DAC and Shareholder further advise Buyer that any
projections for the future profitability of the Company or its assets are
speculative only. Buyer acknowledges that it has made and will have completed by
the Closing, its own independent investigation into the Stock and business of
the Company and that its not relying upon any representation or warranty, oral,
implied or otherwise, made by DAC or Shareholder, as an inducement to enter into
this Agreement, other than those specifically set forth in this Agreement. Buyer
warrants and represents to DAC and Shareholder that it is an experienced and
qualified investor with sufficient net worth to make and tolerate the risk
associated with the purchase of the Stock contemplated herein.

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

                                       19
<PAGE>

Walker Financial Corporation              Disability Access
                                          Consultants, Inc.

By: /s/ Mitchell Segal                        By: /s/ Barbara Thorpe
    ---------------------------                   -------------------------
    Mitchell Segal                            Barbara Thorpe
    President and Chief Executive Officer     Title:  President

                                              Stockholder of Disabilty Access
                                              Consultants, Inc.

                                              /s/Barbara Thorpe
                                              -----------------
                                              Barbara Thorpe

As to Paragraph 1.6

SunBelt Business Advisors Norcal

By:____________________________
   John Fults, President

                                       20
<PAGE>

                                 SCHEDULE 1.12 - Promissory Note Payments

Payment 1.    $  75,000.00

Payment 2.    $  74,219.00

Payment 3.    $  73,438.00

Payment 4.    $  72,656.00

Payment 5.    $  71,875.00

Payment 6.    $  71,094.00

Payment 7.    $  70,313.00

Payment 8.    $  69,531.00

Payment 9.    $  68,750.00

Payment 10.   $  67,969.00

Payment 11.   $  67,188.00

Payment 12.   $  66,406.00

Payment 13.   $  65,625.00

Payment 14.   $  64,844.00

Payment 15.   $  64,063.00

Payment 16.   $  63,281.00

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