Document:

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                              CONSULTING AGREEMENT
                              --------------------

This Consulting Agreement (the "Agreement") is made on November 12, 1998, by and
between SONOMA HOLDING CORPORATION, a publicly traded company and its wholly
owned subsidiary PAYDAY CHECK ADVANCE, INC. D/B/A PAYDAY EXPRESS (the
"Company"), 390 South 8th Street, West Dundee, Illinois 60118, and CHURCHILL
GROUP, LTD. (the "Consultant"), 1255 North State Parkway, Suite 1N, Chicago,
Illinois 60610.

A.       The Consultant has a background in financial consulting and is willing
         to provide services to the Company based on this background.

B.       The Company desires to have financial consulting services provided by
         the Consultant.

         THEREFORE, THE PARTIES AGREE AS FOLLOWS:

1)       DESCRIPTION OF SERVICES. Beginning on November 1, 1998, the Consultant
         shall use its best efforts to provide general financial consulting to
         the Company which shall include but is not limited to providing bank
         contracts, equity funding leads, supporting the stock price, and
         assisting and creating a market for the stock.

2)       PAYMENT TO CONSULTANT. The Company agrees that the Consultant will
         provide financial consulting.

                  The Company will pay a fee of five thousand dollars ($5,000)
         per month for twenty four (24) months commencing November 1, 1998. As
         additional compensation, upon execution, the Company will issue to the
         Consultant or their assigns, two hundred thousand (200,000) shares of
         Sonoma Holding Corporation, a NASDAQ small capital stock at no cost.

3)       RELATIONSHIP OF PARTIES. It is understood by the parties that the
         Consultant is an independent contractor with respect to the Company,
         and not an employee of the Company. The Company will not provide fringe
         benefits, including health insurance benefits, paid vacation, or any
         other employee benefit, to the Consultant.

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4)       ASSIGNMENT. The Consultant's obligations under this Agreement may not
         be assigned or transferred to any other person, firm or corporation
         without the prior written consent of the Company.

5)       NOTICES. All notices required or permitted under this Agreement shall
         be in writing and shall be deemed delivered when delivered in person or
         deposited in the United States mail, postage prepaid, addressed as
         follows:

                 Company:       SONOMA HOLDING CORPORATION
                                PAYDAY CHECK ADVANCE, INC. D/B/A PAYDAY EXPRESS
                                390 South 8th Street
                                West Dundee, Illinois  60118

                 Consultant:    CHURCHILL CROUP, LTD.
                                1255 North State Parkway, Suite 1N
                                Chicago, Illinois  60610

         Such address may be changed from time to time by either party by
         providing written notice in the manner set forth above.

6)       ENTIRE AGREEMENT. This Agreement contains the entire agreement of the
         parties and there are no other promises or conditions in any other
         agreement whether oral or written. This Agreement supercedes any prior
         written or oral agreements between the parties.

7)       AMENDMENT. This Agreement may be modified or amended, if the amendment
         is made in writing and is signed by both parties.

8)       SEVERABILITY. If any provision of this Agreement shall be held to be
         invalid or unenforceable for any reason, the remaining provisions shall
         continue to be valid and enforceable. If a court finds that any
         provision of this Agreement is invalid or unenforceable, but that by
         limiting such provision it would become valid and enforceable, then
         such provision shall be deemed to be written, construed, and enforced
         as so limited.

9)       WAIVER OF CONTRACTUAL RIGHT. The failure of either party to enforce any
         provision of this Agreement shall not be construed as a waiver or
         limitation of that party's right to subsequently enforce and compel
         strict compliance with every provision of this Agreement.

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10)      APPLICABLE LAW. This Agreement shall be governed by the laws of the
         State of Illinois.

Agreed this 12th day of Nov     , 1998.
           ------       --------    --

SONOMA HOLDING CORPORATION
PAYDAY CHECK ADVANCE, INC. d/b/a/ Payday Express

By:      /s/ Terrence L. Donati
         --------------------------

Title:   President
         --------------------------

CHURCHILL GROUP, LTD.

By:      Donald Grauer

Title:   President
         ---------------------------<PAGE>

                              CONSULTING AGREEMENT

         THIS CONSULTING AGREEMENT (this "Agreement") is made as of the 1st day
of October 1997, by and between Sonoma Holding Corp, (the "Company"), and Prinz
& Associates LLC ("Consultant").

                                  WITNESSETH:

                  WHEREAS, the Company desires to engage Consultant to serve as
a consultant to the Company and Consultant desires to serve as a consultant to
the Company in accordance with the terms and conditions herein.

                  WHEREAS, the Company has announced is intention to merge with
Victor Max Technologies, Inc. (the "Merger") and this Agreement is for the
benefit of the merged companies with the goals described below for after the
Merger.

         NOW, THEREFORE, in consideration of the foregoing and the mutual
promises and agreement hereinafter contained, the parties agree as follows:

         1.       TERM. Subject to the provisions for termination hereinafter
provided, the term of this Agreement shall be for a period to consist of
completion of the Phases described below (the "Term").

         2.       DUTIES. Effective upon execution of this Agreement, Consultant
agrees that during the term of his engagement by the Company, he shall be
engaged as a consultant of the Company and in such capacity shall be responsible
for all acts consistent with his position as a consultant of the Company as may
be reasonably delegated to him to accomplish the following:

         PHASE 1:

                           (a)      Consultant will introduce the Company to
                                    acquisition candidates.

                           (b)      Consultant will assist in the support and
                                    act as a liason for the Company with its
                                    existing funding sources.

                           (c)      Consultant will introduce the Company to
                                    asset based lenders for the purpose of
                                    securing working capital for its operations.

                           (d)      Consultant will perform services on behalf
                                    of the Company in order to promote the
                                    Company and its growth, corporate relations
                                    and seek new investors.

         PHASE 2:

                           (a)      Consultant will assist the Company in
                                    facilitating a funding agreement with a
                                    lending group or introduce the Company to
                                    potential equity investors in order to meet
                                    its short or medium term capital needs.

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                           (b)      Consultant will use its best efforts to seek
                                    accredited investors for any private
                                    placement for its capital needs.

         PHASE 3:          Assist the Company to meet its long-term goals of
                           building the Company's market value to 50 million or
                           more through internal growth or acquisitions.

         3.       COMPENSATION.

                  (a)      (I)      In consideration of the services to be
performed in Phase I above, the Company agrees to issue, within 10 days of the
date of this Agreement, 2 million (after the effect of the Merger or its
equivalent in the event the Merger does not occur) shares of its common stock to
Consultant or its designee(s).

                           (II)     In consideration of the services to be
performed in Phase 2 above, the Company agrees to issue within ten (10) business
days of the Company entering into an agreement or arrangement with a Broker
Dealer, a financial institution or a group of accredited investors in compliance
with the goals of Phase 2, 2 million (after the effect of the Merger or its
equivalent in the event the Merger does not occur) shares of its common stock to
Consultant or its designee(s).

                           (III)    In the event the Company, its successors or
assigns, reaches a market cap in excess of Fifty Million Dollars ($50,000,000),
the Company agrees to issue, within ten (10) business days of first reaching
that market cap, 1 million (after the effect of the Merger or its equivalent in
the event the Merger does not occur) shares of its common stock to Consultant or
its designee(s).

                  (b)      The Company shall also reimburse the Consultant for
travel, administrative and other expenses incurred by Consultant in the course
of performing his duties pursuant to this Agreement. Such amount shall be
payable to Consultant in accordance with the Company's normal practices for
similarly situated employees, or at such other intervals as may be mutually
agreed upon by the Company and Consultant.

         4.       REGISTRATION RIGHTS.

         All of the shares of stock to be issued pursuant to the above paragraph
shall have piggyback registration rights for any registration the Company files
with the Securities & Exchange Commission registering shares of the common stock
similar to the shares to be issued hereunder. Furthermore, the company agrees to
file a S-8 Registration Statement as soon as practical in order to register the
shares to be issued hereunder.

         5.       SEVERABILITY. If any provision of this Agreement is
adjudicated to be partially or completely invalid or unenforceable, such
adjudication is to apply only with respect to the operation of such provision in
the particular jurisdiction in which such adjudication is made. All provisions
of this Agreement are severable, and this Agreement shall be interpreted and
enforced as if all completely invalid or unenforceable

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provisions were not contained herein and partially valid and enforceable
provisions shall be enforceable to the extent valid and enforceable.

         6.       ENTIRE AGREEMENT. This Agreement contains the entire agreement
between the parties. All prior discussions, compensation understandings,
negotiations and agreements are merged herein. This Agreement may not be orally
changed or canceled, but may only be changed or canceled by an agreement to such
effect in writing signed by the party against whom enforcement of same is
sought.

         7.       GOVERNING LAW. The validity, construction and enforceability
of this Agreement shall be governed by the internal laws, and not the laws of
conflicts, of the State of Illinois.

         IN WITNESS WHEREOF, the parties hereto have caused this Consulting
Agreement to be duly executed on the date and year first above written.

CONSULTANT:                                 COMPANY:

PRINZ & ASSOCIATES                          SONOMA HOLDING CORP.

/s/ John Prinz                      /s/ Terrence L. Donati
---------------------------         ---------------------------
JOHN PRINZ, MEMBER                  Its President

                                    /s/ Frank Contaldo
                                    ---------------------------
                                    Its CEO

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