Document:

<PAGE>

                                  Exhibit 10.2

                 24/7 Media Inc. Network Affiliation Agreement,

                             dated September 9, 1999

<PAGE>

                                 24/7 MEDIA INC.
                               NETWORK AFFILIATION
                                    AGREEMENT

         WHEREAS, the undersigned (hereinafter the "Network Affiliate") is the
operator and owner of the Internet Web site(s) (the "Web Site") specified on the
signature pages hereto;

         WHEREAS, 24/7 Media, Inc. ("24/7"), a Delaware corporation with an
address at 1250 Broadway, 27th floor, New York, NY 10001, operates a network of
Internet Web sites (the "24/7 Network") for which it solicits advertisers,
advertising agencies, buying services or others ("Advertisers") regarding the
placement of advertising banners and similar devices and sponsorships
("Advertising") for display on pages, screens, and other segments or spaces on
Web site reasonably suitable for the display of advertising and to which the
Tags (as defined in Section 2(A) below) can be affixed as provided herein (the
"Pages");

         WHEREAS, Network Affiliate and 24/7 wish to include the Web Site in the
24/7 Network;

         NOW, THEREFORE, in consideration of the foregoing, the mutual covenants
and agreements contained herein and for other good and valuable consideration,
the receipt and sufficiency of which are hereby acknowledged, it is agreed as
follows:

1.       AFFILIATION.

         The Network Affiliate hereby grants to 24/7 the worldwide exclusive
right to sell all Advertising on the Web Site.

2.       OBLIGATIONS OF 24/7.

         In furtherance of the foregoing, 24/7 covenants and agrees:

         A.       to provide the Network Affiliate, during the term of this
Agreement (the "Term") and only for use in the performance of this Agreement,
with unique tags in HTML/Java or other appropriate languages (the "Tags") which
shall be affixed appropriately by Network Affiliate to the Web Site's Pages to
enable 24/7 to serve Advertising to those Pages;

         B.       to utilize its best efforts to sell to Advertisers Advertising
on the Web Site's Pages, (including sales of the Web Site as a single site,
through multi-site packages and through the 24/7 Network package, at such prices
as 24/7 shall deem appropriate);

         C.       to serve Advertising to the Web Site's Pages;

         D.       to provide the Network Affiliate with notice, via on-line
posting, of new Advertising that has been solicited by 24/7 to be displayed on
the Web Site's Pages, and to use its best efforts to honor any decision by
Network Affiliate to decline any Advertising, in accordance with the provisions
in 3(D) below;

         E.       to provide the Network Affiliate with real-time access to
records that will allow it to monitor the volume of paid Advertising delivered
to the Web Site's Pages and the revenue produced (subject to billing corrections
and adjustments) thereby; all such records, including data, statistical
information or other traffic analysis, produced or provided by 24/7 shall be the
joint property of 24/7 and Network Affiliate;

         F.       to deliver to the Network Affiliate a monthly statement
showing revenues earned by Network Affiliate during the calendar month and any
sum(s) due the Network Affiliate on account thereof pursuant to Section 4
hereof; and

         G.       to maintain suitable and qualified personnel in
administrative, sales and technical positions necessary for 24/7 to perform
effectively the terms of this Agreement.

<PAGE>

3.       OBLIGATIONS OF NETWORK AFFILIATE.

         The Network Affiliate covenants and agrees:

         A.       to use its best efforts to continue and maintain the Web Site
and the Web Site's Pages in a manner consistent with the intent and purpose of
the Web Site;

         B.       to insert the Tags on each of the Web Site's Pages and only on
such Pages in such a manner as to assure that the Advertising to be affixed to
said Tag is fully and clearly visible on the first Web Site Page viewed when
that Page is viewed at a 640 x 480 pixel resolution;

         C.       to insert a button with the 24/7 logo on the Web Site's Home
Page directing potential advertisers to the 24/7 web site.

         D.       to notify 24/7 within one business day from the time of notice
of any new Advertising is given of the Network Affiliate's rejection of any new
Advertising. Failure to provide timely notice of rejection of the new
Advertising shall be deemed acceptance thereof, until such time as Network
Affiliate notifies 24/7 of Network Affiliate's rejection thereof at which time
24/7 will use its best efforts to remove the Advertising;

         E.       to furnish 24/7 with all subscribership, viewership,
inventory, and usage reports, reviews and audience studies, deliveries, census
requirements, and any other information regarding the Web Site and the Web
Site's Pages as is reasonably available to the Network Affiliate and appropriate
for use by 24/7 for the sale of Advertising; and

         F.       not to engage, contract with, license or permit any person,
firm or entity (including the Network Affiliate and its employees) other than
24/7 and its employees to sell, or represent the Network Affiliate for the sale
of, Advertising on the Web Site and to refer all advertising inquiries to 24/7.

4.       PAYMENTS.

A.       Advertisers shall be directed to pay all cash and other
consideration generated from the sale of Advertising by 24/7 during the term
of this Agreement and for a period of six months following the termination of
this Agreement (except for sponsorships, with respect to which payments shall
be made to 24/7 and a percentage shall be retained by 24/7 for the duration
of the sponsorship regardless of the date of termination of this Agreement).
24/7 shall retain a percentage of such Payment (reduced by those advertising
agency commissions actually retained by agencies or paid by 24/7 to agencies)
with respect to the sale of Advertising on the Web Site in accordance with
the following chart, and shall pay to the Network Affiliate the remainder of
the Payment received by 24/7 for the sale of Advertising on the Web:

<TABLE>
<CAPTION>
              Number of Impressions                      Percentage Retained by 24/7
          Delivered in Preceding Month                        for Current Month
------------------------------------------------ -------------------------------------------
<S>                                                      <C>
   999,999 to 2,000,000                                              50%
 2,000,000 to 2,999,999                                              45%
 3,000,000 to 4,999,999                                              40%
 5,000,000 to 14,999,999                                             35%
 15,000,000+                                                         30%
</TABLE>

Network Affiliate represents and warrants that the number of impressions served
in the month preceding the Effective Date was _____________, and thus, subject
to verification of monthly ad impressions, the initial percentage to be retained
by 24/7 is _____%. The percentage retained by 24/7 shall be lowered effective
upon Network Affiliate's notifying 24/7 that the number of impressions delivered
in the preceding month requires the percentage retain to be adjusted.

<PAGE>

B.       The Network Affiliate may elect to have 24/7 serve promotional or
barter advertisements not sold by 24/7, for which Network Affiliate will pay
24/7 a serving fee of $2.50 cost per thousand ("CPM"); such promotional and
barter advertisements shall not exceed thirty percent (30%) of the Pages.

         C.       In the event any Advertiser remits any payment for Advertising
sold by 24/7 directly to the Network Affiliate rather than to 24/7, the Network
Affiliate agrees to make prompt payment to 24/7 of any and all such payments.

         D.       Network Affiliate will be obligated to compensate 24/7 on any
business contracted by 24/7 Media prior to termination date.

         E.       Network Affiliate acknowledges that 24/7 has an ownership
interest in the "clicktobuy.com" e-commerce service (the "Service") and that the
Service includes the placement of banners on the 24/7 Network, generally on a
"cost per transaction" basis and on terms no more favorable to clicktobuy.com
than would be made available to a party not affiliated with 24/7.

         F.       Network Affiliate also acknowledges that 24/7 owns and
operates the Profilz database of demographic profiles (the "Database "). Network
Affiliates understands and agrees that the Payment in respect of Advertising
sold that employs the Database shall be calculated by subtracting from gross
revenue a fee for use of the Database, which fee shall be disclosed to Network
Affiliate prior to implementation and shall reasonably reflect 24/7's cost of
developing and operating the Database. Network Affiliate shall have the option
not to accept Advertising that employs the Database.

5.       INTELLECTUAL PROPERTY. All hardware, software, programs, codes, trade
names, technology, intellectual property, licenses, patents, trademarks,
copyrights, trade secrets, know-how, and processes (collectively, the "24/7
Technology") used by 24/7 under this Agreement shall remain the sole property of
24/7. Network Affiliate shall have no rights, title or interest in the 24/7
Technology. All hardware, software, programs, codes, trade names, technology,
intellectual property, licenses, patents, trademarks, copyrights, trade secrets,
know-how, and processes (collectively, the "Network Affiliate Technology") used
by Network Affiliate under this Agreement shall remain the sole property of
Network Affiliate. 24/7 shall have no rights, title or interest in the Network
Affiliate Technology. Upon the expiration or termination of this Agreement, each
party shall promptly return all information, documents, manuals and other
materials belonging to the other party except as otherwise provided in this
Agreement.

6.       CONFIDENTIALITY. 24/7 and Network Affiliate covenant to each other that
neither party shall disclose to any third party (other than its employees and
directors, in their capacity as such, and the employees and directors of any
affiliate on a need to know basis so long as they are bound by the terms of this
Agreement) any information regarding the terms and provisions of this Agreement
or any non-public confidential information which has been identified as such by
the other Party hereto except (i) to the extent necessary to comply with any law
or valid order of a court of competent jurisdiction (or any regulatory or
administrative tribunal), in which event the party so complying shall so notify
the others as promptly as practicable (and, if possible, prior to making any
disclosure) and shall seek confidential treatment of such information, if
available; (ii) as part of its normal reporting or review procedure to its
auditors or its attorneys, as the case may be, so long as they are notified of
the provisions of this Agreement; (iii) in order to enforce its rights pursuant
to this Agreement; (iv) in connection with any filing with any governmental body
or as otherwise required by law, including the federal securities laws and any
applicable rules and regulations of any stock exchange or quotation system; and
(v) in a confidential disclosure made in connection with a contemplated
financing, merger, consolidation or sale of capital stock of 24/7 or the Network
Affiliate. Information which is or should be reasonably understood to be
confidential or proprietary includes, but is not limited to, information about
the 24/7 Network, sales, cost and other unpublished financial information,
product and business plans, projections, marketing data, and sponsors but shall
not include information (a) already lawfully known to or independently developed
by a party, (b) disclosed in published materials, (c) generally known to the
public, (d) lawfully obtained from any third party or (e) required to be
disclosed by law.

<PAGE>

7.       TERM.

A.       The term of this Agreement (the "Term") shall commence on the
Effective Date and shall continue for at least one year from the Effective
Date. Either party may terminate the Agreement by giving notice no earlier
than eight months after the Effective Date. Termination will be effective
four (4) months after the date on which written notice is given, as
determined under the provisions of Section 13 below, to the other party.

B.       Notwithstanding Section A. above, this Agreement may be terminated
by either party on 60 days' prior written notice to the other party upon the
occurrence of a material breach by the other party of any covenant, duty or
undertaking herein, which material breach continues without cure for a period
of 30 days after written notice of such breach from the non-breaching party
to the breaching party.

C.       Notwithstanding Section A. or B. above, this Agreement may be
terminated by 24/7 on written notice to the Network Affiliate upon the
occurrence of a material breach by Network Affiliate of its covenants under
Section 8 of this Agreement, which material breach continues without cure for
a period of more than 48 hours after written notice of such breach from 24/7
to Network Affiliate of such breach, or which material breach occurs on more
than two occasions.

D.       Notwithstanding Section A. or B. above, this Agreement may be
terminated by 24/7 on 30 days' prior written notice to the Network Affiliate
if the number of Pages in any three consecutive months is less than one
million or if the average click through rate for any three-month period is
less than 0.25%.

8.       CONTENT OF WEB SITE. Network Affiliate covenants and agrees not to
include or provide via the Web Site or the Web Site's Pages any material that is
or may be considered: (i) libelous, pornographic, obscene, or defamatory under
any federal or state law; (ii) an infringement of any third party's intellectual
property rights (including copyright, patent, trademark, trade secret or other
proprietary rights); or (iii) an infringement on any third party's rights of
publicity or privacy. Network Affiliate further covenants and agrees, with
respect to the operation of its Web Site and its Pages, to comply with all laws,
statutes, ordinances, and regulations.

9.       INDEMNIFICATION. Network Affiliate shall indemnify and hold harmless
24/7, its advertisers and other suppliers and any related third parties, against
and in respect of any and all third party claims, suits, actions, proceedings
(formal and informal), investigations, judgments, deficiencies, damages,
settlements, liabilities, and legal and other expenses (including reasonable
legal fees and expenses of attorneys chosen by 24/7) as and when incurred,
arising out of or based upon any act or omission or alleged act or alleged
omission by Network Affiliate in connection with the acceptance of, or the
performance or non-performance by Network Affiliate of, any of its duties under
this Agreement or arising from the breach by Network Affiliate of its
warranties, representations or covenants contained in this Agreement. 24/7 shall
indemnify and hold harmless the Network Affiliate, against and in respect of any
and all third party claims, suits, actions, proceedings (formal and informal),
investigations, judgments, deficiencies, damages, settlements, liabilities, and
legal and other expenses (including reasonable legal fees and expenses of
attorneys chosen by Network Affiliate) as and when incurred, arising out of or
based upon any act or omission or alleged act or alleged omission by 24/7 in
connection with the acceptance of, or the performance or non-performance by 24/7
of, any of its duties under this Agreement or arising from the breach by 24/7 of
its warranties, representations or covenants contained in this Agreement.

10.      NO POACHING. Network Affiliate agrees that, during the Term and for a
period of one year from the end of the Term, neither it nor its affiliates will
solicit or recruit the services of any 24/7 employees, or hire any such
employees.

11.      NO WAIVER. This Agreement shall not be waived, modified, assigned or
transferred except by a written consent to that effect signed by Network
Affiliate and 24/7. Network Affiliate agrees that if it assigns or transfers
this Agreement, it shall cause such successor, assignee, or transferee to assume
all of the Network Affiliate's obligations hereunder. Any assignment, transfer,
or assumption shall not relieve the Network Affiliate of liability hereunder.

12.      GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of New York applicable to contracts made
and performed therein, without regard to principles of conflicts of laws.

<PAGE>

13.      NOTICES. All notices required or permitted to be given hereunder shall
be in writing and either hand-delivered, telecopied, mailed by certified first
class mail, postage prepaid, or sent via electronic mail to the other party or
parties hereto at the address(es) set forth below. A notice shall be deemed
given when delivered personally, when the telecopied notice is transmitted by
the sender, three business days after mailing by certified first class mail, or
on the delivery date if delivered by electronic mail.

14.      ENTIRE AGREEMENT. This Agreement constitutes the entire agreement and
supersedes all prior agreements of the Parties with respect to the transactions
set forth herein and, except as otherwise expressly provided herein, is not
intended to confer upon any other person any rights or remedies hereunder.

15.      COUNTERPARTS. This Agreement may be executed in counterparts, each of
which shall be deemed an original and all of which together shall constitute one
and the same document.

16.      FORCE MAJEURE. Neither party shall be held liable or responsible to the
other party nor be deemed to have defaulted under or breached this Agreement for
failure or delay in fulfilling or performing any term of this Agreement when
such failure or delay is caused by or results from causes beyond the reasonable
control of the affected party, including but not limited to fire, floods,
failure of communications systems or networks, embargoes, war, acts of war
(whether war is declared or not), insurrections, riots, civil commotion,
strikes, lockouts or other labor disturbances, acts of God or acts, omissions or
delays in acting by any governmental authority or the other party; provided,
however, that the party so affected shall use reasonable commercial efforts to
avoid or remove such causes of nonperformance, and shall continue performance
hereunder with reasonable dispatch whenever such causes are removed. Either
party shall provide the other party with prompt written notice of any delay or
failure to perform that occurs by reason of force majeure. The parties shall
mutually seek a resolution of the delay or the failure to perform as noted
above.

17.      SEVERABILITY. Should one or more provisions of this Agreement be or
become invalid, the parties hereto shall substitute, by mutual consent, valid
provisions for such invalid provisions which valid provisions in their economic
effect are sufficiently similar to the invalid provisions that it can be
reasonably assumed that the parties would have entered into this Agreement with
such valid provisions. In case such valid provisions cannot be agreed upon, the
invalidity of one or several provisions of this Agreement shall not affect the
validity of this Agreement as a whole, unless the invalid provisions are of such
essential importance to this Agreement that it is to be reasonably assumed that
the parties would not have entered into this Agreement without the invalid
provisions.

18.      DISPUTE RESOLUTION. Any controversy or claim arising out of or relating
to the Agreement, or the breach thereof, shall be settled exclusively by
arbitration. Such arbitration shall be conducted before a single arbitrator in
accordance with the Commercial Arbitration Rules of the American Arbitration
Association then in effect. If arbitration is commenced by 24/7, it shall take
place in the city in the continental United States in which the principal U.S.A.
corporate offices of Network Affiliate are located. If Network Affiliate has no
corporate offices in the U.S.A. or if arbitration is commenced by Network
Affiliate, then arbitration shall take place in New York, New York. Judgment may
be entered on the arbitrator's award in any court having jurisdiction, and the
parties irrevocably consent to the jurisdiction of such courts for that purpose.
The parties waive personal service in connection with any such arbitration; any
process or other papers under this provision may be served outside the home
state of Network Affiliate or New York by registered mail, return receipt
requested, or by personal service, provided a reasonable time for appearance or
response is allowed. All decisions of the arbitrator shall be final and binding
on the parties. The parties shall equally divide all costs of the American
Arbitration Association and the arbitrator. Each party shall bear its own legal
fees in any dispute. The arbitrator may grant injunctive or other relief.

19.      INDEPENDENT CONTRACTORS. 24/7 Media and Network Affiliate shall each
act as independent contractors. Neither party shall exercise control over the
activities and operations of the other party. 24/7 Media and Network Affiliate
shall each conduct all of its business in its own name and as it deems fit,
provided it is not in derogation of the other's interests. Neither party shall
engage in any conduct inconsistent with its status as an independent contractor,
have authority to bind the other with respect to any agreement or other
commitment with any third party, nor enter into any commitment on behalf of the
other, except as expressly provided for by this Agreement.

<PAGE>

IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement this
___ day of ____________________, 1999 (the "Effective Date").

24/7 MEDIA, INC.

By:      __________________________________
Name:       Bruce L. McDonald
Title:      Director, Business Development

E-mail address:   bmcdonald@247media.com________

NETWORK AFFILIATE:

Name of Web Site: _______________________________

Web Site URL:     _______________________________

Corporate Name of Web Site owner:   _______________________________

Address:          _______________________________

Address:          _______________________________

By:                        _______________________________
Name:
Title:

E-mail address:   _______________________________<PAGE>

                                  Exhibit 10.3

                  Employment Agreement with Thomas F. Lonergan,

                             dated September 1, 1999

<PAGE>

                              EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT ("Agreement") is made, entered into, and effective as
of September 1, 1999 (the "Effective Date"), by and between
Thehealthchannel.com, Inc., a California corporation ("Company"), and Thomas F.
Lonergan, an individual ("Employee").

         RECITALS

A.       Company is engaged in the business of providing internet healthcare
information and services, and maintains an office in the State of California.

B.       Company desires to have an employment agreement with Employee as its
Vice President, Chief Operations Officer, Secretary, and Chief Financial Officer
subject to the terms and conditions of this Agreement.

         NOW, THEREFORE, in consideration of the mutual covenants and conditions
contained herein, the parties hereto hereby agree as follows:

         AGREEMENT

1.       Term and Duties. Company hereby employs Employee as Vice President,
Chief Operations Officer, Secretary, and Chief Financial Officer as of the
Effective Date and Employee agrees to enter into and remain in the employ of
Company until this Agreement is terminated as provided herein below. Employee
shall faithfully and diligently perform all professional duties and acts as
Secretary and Treasurer as may be requested and required of Employee by Company
or its Directors. Employee shall devote such time and attention to the business
of Company as shall be required to perform the required services and duties.
Employee at all times during the employment term shall strictly adhere to and
obey all policies, rules and regulations established from time to time governing
the conduct of employees of Company.

2.       Exclusivity, Non-Disclosure.

a.       Employee agrees to perform Employee's services efficiently and to the
best of Employee's ability. Employee agrees throughout the term of this
Agreement to devote his time, energy and skill to the business of the Company
and to the promotion of the best interests of the Company.

b.       Employee agrees that he shall not at any time, either during or
subsequent to his employment term, unless expressly consented to in writing by
Company, either directly or indirectly use or disclose to any person or entity
any confidential information of any kind, nature or description concerning any
matters affecting or relating to the business of Company, including, but not
limited to, information concerning the customers of Company, Company's marketing
methods, compensation paid to employees, independent contractors or suppliers
and other terms of their employment or contractual relationships, financial and
business records, know-how, or any other information concerning the business of
Company, its manner of operations, or other data of any kind, nature or
description. Employee agrees that the above information and items are important,
material and confidential trade secrets and these affect the successful conduct
of Company's business and its goodwill.

3.       Compensation.

a.       Subject to the termination of this Agreement as provided herein,
Company shall compensate Employee for his services hereunder at a monthly salary
of twelve thousand dollars ($12,000) payable in accordance with the Company's
practices, less normal payroll deductions, and prorated for the actual
employment term.

b.       Employee is also eligible to receive such additional compensation as
the Board of Directors of Company determines is proper in recognition of
Employee's contributions and services to Company. Such additional compensation
shall be paid to Employee on the anniversary date of this Agreement during the
Employment Term, and at such other times as may be determined by the Board of
Directors.

<PAGE>

c.       In addition to the compensation set forth above, Employee shall be
entitled to participate in or to receive benefits under all of Company's
employee benefit plans made available by Company now or in the future to
similarly situated employees, subject to the terms, conditions and overall
administration of such plans.

4.       Expenses. Company shall reimburse Employee for all reasonable business
related expenses incurred by Employee in the course of his normal duties on
behalf of the Company. In compensating Employee for expenses, the ordinary and
usual business guidelines and documentation requirements shall be adhered to by
Company and Employee.

5.       Vacation. Employee shall be entitled to accrue four (4) vacation weeks
with pay during each employment year, to be taken at such times as may be
convenient to Company and Employee. Any vacation time not used in any one year
may be carried forward to subsequent employment years. For purposes of this
Agreement, "employment years" shall mean the successive one (1) year periods
beginning on the Effective Date of this Agreement and on each anniversary date
of the Effective Date of this Agreement during the term of this Agreement.

6.       Inventions and Patents. All processes, inventions, patents, computer
software, copy rights, trademarks and other intangible rights (collectively
referred to as "Intellectual Property") that may be conceived or developed by
Employee during the Employment Term, either alone or with others, made or
conceived by him shall remain the sole property of Company.

7.       Disability of Employee.

a        Employee shall be considered disabled if, due to illness or injury,
either physical or mental, Employee is unable to perform Employee's customary
duties as an employee of Company for more than thirty (30) days in the aggregate
out of a period of twelve (12) consecutive months. The disability shall be
determined by a certification from a physician.

b.       If Employee is determined to be disabled, Company shall continue to pay
Employee's base salary for the initial ninety (90) days of "disability." The
continuation of the salary compensation after the initial ninety (90) days shall
be determined by the Board of Directors of the Company.

8.       Termination By Company.

a.       Unless terminated earlier as provided in this Agreement, Employee shall
be employed for a term commencing on the Effective Date and ending three (3)
years thereafter. Thereafter, the employment term shall continue on an at will
basis until terminated at the option of Company or Employee upon thirty (30)
days' prior written notice. This Agreement will terminate immediately upon
Employee's death.

b.       Company may terminate this Agreement for cause at any time without
notice. For purposes of this Agreement, the term "cause" shall include, but not
be limited to, the following: a material breach of or failure to perform any
covenant or obligation in this Agreement, disloyalty, dishonesty, neglect of
duties, unprofessional conduct, acts of moral turpitude, disappearance,
felonious conduct or fraud.

c.       If Company terminates this Agreement without cause, Employee shall
receive liquidated damages in accordance with Section 15 herein.

9.       Termination By Employee.

a.       Employee may terminate this Agreement without cause upon thirty (30)
days prior written notice to Company.

b.       Employee may terminate this Agreement immediately with cause, in which
event Employee shall receive liquidated damages in accordance with Section 15
herein. For the purposes of this Agreement, "cause" for termination by Employee
shall be a breach of any material covenant or obligation hereunder, the
voluntary or involuntary dissolution of the Company, any merger or consolidation
in which the Company is not the surviving or resulting corporation, any transfer
of all or subsequently all of the assets of Company, transfer of a majority of
shares of the

<PAGE>

Company by one or more shareholders in one or more transactions,
or the issuance of shares of Company constituting a majority of the outstanding
shares immediately following such issuance.

10.      Binding Effect. This Agreement shall be binding upon and inure to the
benefit of the parties hereto their respective devisees, legatees, heirs, legal
representatives, successors, and permitted assigns. The preceding sentence shall
not affect any restriction on assignment set forth elsewhere in this Agreement.

11.      Effect of Combination or Dissolution. This Agreement shall not be
terminated by the voluntary or involuntary dissolution of Company, or by any
merger or consolidation in which Company is not the surviving or resulting
corporation, or upon any transfer of all or substantially all of the outstanding
shares or assets of Company. Instead, the provisions of this Agreement shall be
binding on and inure to the benefit of Company's creditors, the surviving
business entity or the business entity to which such shares or assets shall be
transferred.

12.      Assignment. Subject to all other provisions of this Agreement, any
attempt to assign or transfer this Agreement or any of the rights conferred
hereby, by judicial process or otherwise, to any person, firm, Company, or
corporation without the prior written consent of the other party, shall be
invalid, and may, at the option of such other party, result in an incurable
event of default resulting in termination of this Agreement and all rights
hereby conferred.

13.      Choice of Law. This Agreement and the rights of the parties hereunder
shall be governed by and construed in accordance with the laws of the State of
California including all matters of construction, validity, performance, and
enforcement and without giving effect to the principles of conflict of laws.

14.      Indemnification. Company shall indemnify, defend and hold Employee
harmless, to the fullest extent permitted by law, for all claims, demands,
losses, costs, expenses, obligations, liabilities, damages, recoveries and
deficiencies, including interest, penalties and reasonable attorney's fees that
Employee shall incur or suffer that arise from, result from or relate to the
discharge of Employee's duties under this Agreement. Company shall maintain
adequate insurance for this purpose or shall advance Employee any expenses
incurred in defending any such proceeding or claim to the maximum extent
permitted by law.

15.      Liquidated Damages. In the event of any material breach of this
Agreement by Company, Employee at his sole option, may terminate this Agreement
and, at his sole option, receive as liquidated damages (the "Liquidated
Damages") one of the following:

a.       The full amount of the salary and incentive compensation provided for
in Section 3 of this Agreement for the remaining term of this Agreement. The sum
payable to Employee under this Section shall be payable in monthly installments
on the first day of each month, beginning one month following the date of
termination of employment.

b.       The Liquidated Damages shall not be limited or reduced by amounts that
Employment might otherwise earn or be able to earn during the period between
termination of his employment under this Agreement and payment of the Liquidated
Damages. The provisions of this Section shall be in addition to any and all
rights Employee may have in equity or at law to require Company to comply with
or to prevent the breach by Company of this Agreement.

16.      Jurisdiction. The parties submit to the jurisdiction of the Courts of
the County of Orange, State of California for the resolution of all legal
disputes arising under the terms of this Agreement, including, but not limited
to, enforcement of any arbitration award.

17.      Entire Agreement. Except as provided herein, this Agreement, including
exhibits, contains the entire agreement of the parties, and supersedes all
existing negotiations, representations, or agreements and all other oral,
written, or other communications between them concerning the subject matter of
this Agreement. There are no representations, agreements, arrangements, or
understandings, oral or written, between and among the parties hereto relating
to the subject matter of this Agreement that are not fully expressed herein.

18.      Severability. If any provision of this Agreement is unenforceable,
invalid, or violates applicable law, such provision, or unenforceable portion of
such provision, shall be deemed stricken and shall not affect the enforceability
of any other provisions of this Agreement.

<PAGE>

19.      Captions. The captions in this Agreement are inserted only as a matter
of convenience and for reference and shall not be deemed to define, limit,
enlarge, or describe the scope of this Agreement or the relationship of the
parties, and shall not affect this Agreement or the construction of any
provisions herein.

20.      Modification. No change, modification, addition, or amendment to this
Agreement shall be valid unless in writing and signed by all parties hereto.

21.      Attorneys' Fees. Except as otherwise provided herein, if a dispute
should arise between the parties including, but not limited to arbitration, the
prevailing party shall be reimbursed by the non-prevailing party for all
reasonable expenses incurred in resolving such dispute, including reasonable
attorneys' fees exclusive of such amount of attorneys' fees as shall be a
premium for result or for risk of loss under a contingency fee arrangement.

22.      Taxes. Any income taxes required to be paid in connection with the
payments due hereunder, shall be borne by the party required to make such
payment. Any withholding taxes in the nature of a tax on income shall be
deducted from payments due, and the party required to withhold such tax shall
furnish to the party receiving such payment all documentation necessary to prove
the proper amount to withhold of such taxes and to prove payment to the tax
authority of such required withholding.

23.      Not for the Benefit of Creditors or Third Parties. The provisions of
this Agreement are intended only for the regulation of relations among the
parties. This Agreement is not intended for the benefit of creditors of the
parties or other third parties and no rights are granted to creditors of the
parties or other third parties under this Agreement. Under no circumstances
shall any third party, who is a minor, be deemed to have accepted, adopted, or
acted in reliance upon this Agreement.

24.      Counterparts; Facsimile Signatures. This Agreement may be executed
simultaneously in one or more counterparts, each of which shall be deemed an
original, but all of which together shall constitute one and the same
instrument. The Parties agree that facsimile signatures of this Agreement shall
be deemed a valid and binding execution of this Agreement.

25.      Conflict Waiver. Both Employee and the Company (the "Parties") hereby
agree and acknowledge that the law firm of Horwitz and Beam ("H&B"), which
represents the Company, has drafted this Agreement. The Parties hereto further
acknowledge that they have been informed of the inherent conflict of interest
associated with the drafting of this Agreement by H&B and waive any action they
may have against H&B regarding such conflict. The Parties have been given the
opportunity to consult with counsel of their choice regarding their rights under
this Agreement.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly
executed as of the Effective Date.

"Company"                                            "Employee"

Thehealthchannel.com, Inc., Inc.,
a California corporation

/s/ Donald A. Shea                                   /s/ Thomas F. Lonergan
BY:      Donald A. Shea                              Thomas F. Lonergan
ITS:     President

Confirmed authorized by Board of Directors:

/s/ Thomas F. Lonergan
BY:      Thomas F. Lonergan
ITS:     Secretary

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00014-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00014-of-00352.parquet"}]]