Document:

Exhibit 10.2.2

                               COMMERCIAL LEASE

Douglas A. Larson (Lessor) hereby agrees to lease to WHY USA Financial Group,
Inc. (Lessee) approximately 1,000 sq. feet of office space in the northeast
corner of the first floor of the building located at 2110 Highway 12 West,
Menomonie, WI. This lease shall begin November 1, 2001 and will last until
either Lessor or Lessee gives 60 days advance written notice to the other
party terminating the lease. Monthly rent shall be Eleven Hundred Dollars
($1100.00) and shall include heat, air conditioning, water and sewer, and
electricity. Lessee is responsible for its own cleaning and janitorial
services. At the end of the lease, Lessee agrees to either A) leave its
existing telephone system as is on the premises or B) pay for the cost of
reinstalling all telephone lines and reconnecting them with the original
telephone system which was installed in the building. Lessee's current
telephone system may not be removed until all the original telephone system is
reconnected and working. Lessee is responsible for any repairs or cleaning
necessary to restore its lease space to original condition at the end of the
lease. Lessor and Lessee shall each be responsible to maintain appropriate
insurance for their interests in the premises and property located on the
premises. Lessee shall maintain public liability insurance in a total
aggregate sum of at lease $1,000,000.00 and shall provide appropriate evidence
of same to Lessor. Lessee agrees to defend, indemnify, and save Lessor
harmless from any liability from and against any and all losses, claims,
liabilities, and expenses, including reasonable attorney fees, if any, which
Lessor may suffer or incur in connection with Lessee's use of the premises. In
the event of a dispute between Lessor and Lessee, the non-prevailing party
shall pay reasonable attorney fees and disbursement to the prevailing party.
Lessee shall pay $10.00 per day for each day the rental payment is received by
Lessor after the 3rd day of each month. Carpet or tile protectors must be used
under all desk chairs.

The preceding lease is understood and accepted.

                                   WHY USA Financial Group, Inc. (Lessee)
                                   8301 Creekside Circle #101
                                   Bloomington, MN 55347

Date 10/27/00                  By: /s/ Donald Riesterer
                                   ____________________________________

                                   CEO - Chairman of the Board
                                   ____________________________________
                                   Its Authorized Representative

Date 10-27-00                      /s/ Douglas Larson
                                   _____________________________________
                                   Douglas Larson (Lessor)
                                   P.O. Box 636
                                   Menomonie, WI 54751Exhibit 10.10

                           REGIONAL SALES DIRECTOR
                       INDEPENDENT CONTRACTOR AGREEMENT

Agreement, dated December 1, 2000 WHY USA North America, Inc. (hereinafter
"COMPANY") and Mario Cosma (hereinafter "SALES REP").

1.  TERM AND EXTENSION. The term of the relationship between the COMPANY and
the SALES REP hereunder shall commence on December 1, 2000 and shall continue
until December 31, 2001.

2.  RELATIONSHIP BETWEEN PARTIES. The COMPANY shall retain the SALES REP, on
the basis of an independent contractor, and the SALES REP shall serve the
COMPANY upon the terms and conditions hereinafter set forth.

Be it understood that a SALES REP is considered an Independent Contractor. It
is a mutual understanding and agreement by those parties signed below, that an
Independent Contractor is a self-employed individual, and shall be solely
responsible for the payment of their own state and federal income tax and
self-employment tax. The COMPANY shall not under any circumstances withhold
and pay, or be responsible to withhold and pay to the appropriate government
agency, such taxes. The SALES REP shall not be entitled to retirement
benefits, fringe benefits, unemployment compensation, and workman's
compensation coverage, distributions or other benefits, which may be provided
to employees of the COMPANY.

3.  DUTIES. During, the period of this agreement hereunder, the SALES REP
shall serve the COMPANY and shall perform any and all general franchise
services required or requested in connection with the business.

     a) It shall be the duty of the SALES REP to represent and sell Company
franchises in the geographic area of the state of California.

     b) It shall be the duty of the SALES REP to confer with the COMPANY as
well as their region in order to familiarize themselves with all rules and
regulations regarding the sale and/or presentations and strategies for sale of
Franchises in all territory that they are authorized to sell Franchises. This
includes all Federal, State and Local rules and laws concerning franchises and
sales of franchises.

     c) The SALES REP shall follow the COMPANY policy and procedures when
selling franchises, These include:
         1. To notify the COMPANY whenever they propose to sell in a region
other than the one approved with this agreement so that the COMPANY may
approve any changes and where necessary register them with the appropriate
agencies, in particular with those states that mandate registration.
         2. Always provide an offering circular as required by law and then
allowing ten (10) workdays before presenting a Franchise Agreement to
prospect.

Regional Sales Director - Broker                                     1

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         3. To solicit offices, which are not franchises unless they have a
written invitation from the specific office requesting information on COMPANY
Franchises.
         4. Accurately represent and state COMPANY policies to all potential
and present customers.
         5. Inform the COMPANY Director of Sales and Marketing of all problems
concerning offices within the sales territory.
         6. Inform the COMPANY Director of Sales and Marketing if the SALES
REP is representing, or plans to represent any other business firm. In no
event shall the SALES REP represent a competitive company or product line
either within or outside the designated sales area.
         7. The SALES REP agrees to perform at all times the services
contemplated in this agreement in a manner which will maintain and increase
rather than diminish the goodwill and reputation of the COMPANY, and shall do
nothing to disturb or devalue these interests or to bring discredit upon the
COMPANY.
         8. The SALES REP shall pay for, at his or her expense a personal
automobile, gasoline, entertainment expenses, medical insurance, auto
insurance, personal insurance and all other business expenses.
         9. The SALES REP agrees to submit completed contact reports to the
Director of Sales and Marketing on a monthly basis. (See Appendix A.)

4. COMPENSATION. The COMPANY shall pay to the SALES REP for their service a
sum of $4000.00 for each franchise unit sold during the period of this
agreement. Such sum will be paid upon satisfactory completion of franchise
sale and from the proceeds received from the client for whom franchise
services, are rendered.

5. COVENANT NOT TO COMPETE. The SALES REP acknowledges that during the
performance of their duties, they will have been exposed to, have had access
to and otherwise will be trained in utilizing marketing programs and
techniques which have been developed by COMPANY and/or which are unique to the
real estate industry including, but not limited to, the COMPANY 990
OPPORTUNITY Program, the 29 DAY FAST SALE Program, and the like (hereinafter
the "proprietary programs"). The SALES REP acknowledges that the COMPANY has a
protected interest in having the SALES REP restrained from utilizing these
proprietary programs and techniques in competition with the COMPANY for a
reasonable period of time following termination of this Agreement.

Accordingly, the  SALES REP agrees that for a period of two (2) years, within
the state of California or any other state in which there is a COMPANY office
following termination of this Agreement, they shall not compete with the
COMPANY either directly or indirectly, in any capacity either as owner, agent,
independent contractor, employee, consultant, or otherwise by utilizing
COMPANY proprietary programs or programs similar thereto in the real estate
business or any other business.

Since a breach of the provisions of this section of this Agreement could not
adequately be compensated by money damages, COMPANY shall be entitled, in
addition to any other right to

Regional Sales Director - Broker                                          2

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remedy available to it at law or equity, to an injunction restraining the
breach or threatened breach and to specific performance of any provision of
this section of this Agreement. If the scope of any provision of this
paragraph, or of this Agreement is found by any Court to be too broad to
permit enforcement to its full extent, then such provision shall be enforced
to the maximum extent permitted by law. The parties agree that the scope of
any provision of this Agreement may be modified by a judge in any proceeding
to enforce this Agreement, so that such provision can be enforced to the
maximum extent permitted by law. If any provision of this Agreement is found
to be invalid or unenforceable for any reason it shall not affect the validity
of the remaining provisions of this Agreement.

8. INDEMNIFICATIONS AND HOLD HARMLESS PROVISION. The SALES REP agrees to
indemnify and hold harmless the COMPANY from any and all claims by the SALES
REP, which may arise out of and in the course of the performance of their
duties hereunder. Any and all claims for unemployment benefits and or claims
for workers' compensation benefits are hereby expressly waived by the SALES
REP who agrees to maintain separate policies of liability, health, and
accident insurance as may be necessary or required by the COMPANY in
connection with the performance of duties in this agreement. The SALES REP
shall hold the COMPANY harmless for any and all acts committed by the SALES
REP in which they have misrepresented the COMPANY that may result in
litigation.

9. RESIGNATION. The SALES REP agrees to provide the COMPANY 30-days' written
notice should they intend to terminate this agreement. Within seven working
days from the notice of resignation the SALES REP agrees to the following:

     a) To return promptly all materials and samples provided by the COMPANY
to them.

     b) To immediately deliver all "proprietary information" in their
possession or subject to their control to a designated representative of the
COMPANY.

     c) To acknowledge that all other files maintained by them in connection
with the performance of their services for the COMPANY belong to the COMPANY.
The COMPANY shall retain said files.

10. ENTIRE AGREEMENT. This Agreement shall be construed in accordance with
Wisconsin law, which shall prevail, and shall constitute the entire Agreement
between the parties. In witness whereof, David 0. Thomas has caused this
Agreement to be executed in its corporate name by its corporate officers, and
Mario Cosma, the SALES REP hereunder, have set their hand and seal, as of this
day and year first above written.

WHY USA North America, Inc.                       Regional Sales Director

__________________________________                ___________________________
David 0. Thomas, President                        Mario Cosma

Regional Sales Director - Broker                                           3

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