Document:

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                                                                    EXHIBIT 10.2

                                                              September 24, 2004

3Peas Technologies, Inc.
Att.:  Mark Newcomer,  President
3068 East Sunset Road, Suite # 3
Las Vegas,  NV. 89120

Re:      Engagement for Consulting Services

Dear Mr. Newcomer:

This letter confirms our understanding and agreement between 3Peas Technologies,
Inc. ("Client") and TMX Consulting Corp. ("the Consultant") with regard to all
matters described below, including, without limitation, the matters described in
the paragraph 1 as follows:

         1. The Client hereby engages TMXC as the Client's sole and exclusive
         agent for the purpose of providing financial advisory services to the
         Client regarding the development and implementation of the Client's
         business plan, including the Client's restructuring and implantation of
         the structure necessary to become a publicly traded company.

                  (a) The Client hereby agrees that upon the signing of this
                  engagement agreement, if needed, it will change its corporate
                  structure to have 10-30 million shares issued and outstanding
                  in preparation for the drafting of the SB-2 Registration
                  statement.

         2. TMXC hereby accepts the engagement described in paragraph 1 and, in
         connection with such engagement agrees to:

                  (a) Provide a general business and financial analysis of the
                  Client's proposed business plan with respect to the Business;
                  and

                  (b) assist in the formulation and evaluation of various
                  structural and financial alternatives; and

                  (c) assist the Client in the preparation of the appropriate
                  documents related to the Client's fund raising activities; and

                  (d) assist the Client in identifying and evaluating potential
                  candidates to provide audit services, to serve as a transfer
                  agent for the company, an NASD member brokerage firm for the
                  purpose of filing an information statement pursuant to Rule
                  15c2-11 with the NASD, and other services of importance to a
                  publicly traded company; and

                  (e) engage legal counsel for the purpose of drafting an SB-2
                  or other appropriate registration statement for the Client;
                  and

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                  (f) assist in the preparation of all necessary documents to
                  complete this engagement.

         3. The Client shall make available to TMXC all information concerning
         the proposed Business which TMXC reasonably requests in connection with
         the performance of his obligations hereunder. All such information
         provided by or on behalf of the Client shall be complete and accurate
         and not misleading in any or all material respects, and TMXC may rely
         upon the accuracy and completeness of all such information without
         independent verification.

         4. As compensation for the services rendered by TMXC hereunder, the
         Client shall pay TMXC (or its parent company TMX Holding Corp.) as
         follows:

                  (a) Upon the signing of this engagement letter a Twenty
                  Thousand Dollar ($20,000) nonrefundable retainer and the
                  issuance of seven hundred & fifty thousand (750,000) shares of
                  common stock in the Business; and

                           (1). The issuance of such shares shall be upon the
                           company completing any necessary adjustments to its
                           Issued & Outstanding; and

                  (b) upon the declaration of the SB-2 as "effective" by the
                  SEC, the successful approval of the 15c2-11 application by the
                  NASD, and the initiation of trading on the OTC BB, the Client
                  shall pay TMXC a fee of $10,000.

                  (f) All stock and securities based compensation from the
                  Client to TMXC shall be subject to registration upon the
                  request of TMXC "Demand Registration Rights" and shall be
                  included in the proposed SB-2 Registration statement.

         5. The Client further acknowledges and agrees that:

                  (a) It is TMXC's sole discretion to select the legal counsel
                  to be retained with respect to the drafting and filing of the
                  proposed SB-2 or other applicable registration statement, and
                  that TMXC will compensate such legal counsel at it's own
                  expense, however such counsel shall be agreeable to the
                  Client; and

                  (b) Upon the declaration of the SB-2 or other applicable
                  registration statement as "effective" by the SEC, the Client
                  will be required to file quarterly, annual, and other mandated
                  reports with the SEC and the Client shall be responsible for
                  such fees and expenses incurred; and

                  (c) The Client is responsible for retaining an SEC Approved
                  CPA for the preparation of the financial statements to be
                  included in the above referenced registration statements, and
                  the fees incurred by such CPA; and

                  (d) The Client is responsible for the retention and fees
                  associated from retaining a transfer agent; and

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                  (e) The Client is responsible for the fees associated with
                  registering with Standard & Poors Corp. (currently estimated
                  at $3,600 per year); and

                  (f) The Client is responsible for the cost of an annual
                  subscription to the Depository Trust Corp. Weekly Security
                  Position Report. (currently the annual subscription is $2,750)

                  (g) TMXC shall have the right to distribute the shares of 3Pea
                  Technologies, Inc. paid to it under this agreement as a
                  dividend to its shareholders or to compensate legal counsel
                  selected by TMXC to draft the appropriate registration
                  statement.

         6. In consideration of TMXC's services contemplated hereby, the Client
         agrees to: (a) indemnify and hold harmless TMXC against any and all
         losses, claims, damages or liabilities to which TMXC may become subject
         arising in any manner out of or in connection with the rendering of
         services by TMXC hereunder, unless it is finally judicially determined
         by a court of competent jurisdiction that such losses, claims, damages
         or liabilities resulted directly from the negligence, bad faith, or
         willful misconduct of TMXC; and (b) reimburse TMXC immediately for all
         reasonable legal or other expenses reasonably incurred and actually
         paid by TMXC in connection with investigating, preparing to defend or
         defending any lawsuits, claims or other proceedings naming him as a
         defendant and arising in any manner out of or in connection with the
         rendering of services by TMXC hereunder.

         7. The Client agrees: (a) that the indemnification and reimbursement
         commitments set forth in paragraph 6 shall apply whether or not TMXC is
         a formal party to any such lawsuits, claims or other proceedings; and
         (b) that if TMXC is advised in writing by counsel that there are one or
         more defenses available to him that are different from in addition to
         those available to the Client, that TMXC is entitled to retain separate
         counsel of his choice in connection with any of the matters to which
         such commitments relate.

         8. The Client and TMXC agree that if any indemnification or
         reimbursement sought pursuant to paragraph 6 judicially determined to
         be unavailable for a reason other than the negligence, bad faith or
         willful misconduct of TMXC, then the Client and shall contribute to the
         losses, claims, damages, liabilities and expenses for which such
         indemnification or reimbursement is held unavailable (I) in such
         proportion as is appropriate to reflect the relative benefits to the
         Client on the one hand, and TMXC on the other hand, in connection with
         the transactions to which such indemnification or reimbursement
         relates, or (ii) if the allocation provided by clause (I) above is not
         permitted by applicable law, in such proportion as is appropriate to
         reflect not only the relative benefits referred to in clause (1) but
         also the relative faults of the Client on the one hand, and TMXC on the
         other hand, as well as any other equitable considerations; PROVIDED,
         HOWEVER, that in no event shall the amount to be contributed by TMXC
         pursuant to this paragraph exceed the amount of fees actually received
         by TMXC hereunder.

         9. Except as contemplated by the terms hereof or as required by
         applicable law or pursuant to an order entered or subpoena issued by a
         court of competent jurisdiction, TMXC shall keep confidential all
         material non-public information provided to it by the Client, and shall
         not disclose such information to any third party, other than such of
         its advisors as TMXC determines to have a need to know.

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<PAGE>

         10. In the event of consummation of any transaction contemplated
         herein, TMXC shall have the right to disclose its participation in such
         transaction at its own expense, including, without limitation, the
         placement of a "tombstone" advertisements in financial and other
         newspapers and journals, provided that it first submit a copy of any
         such advertisements to the Client for its approval, which approval
         shall not be unreasonably withheld or delayed.

         11. This engagement will extend for twelve months from the date hereof
         and shall renew automatically thereafter on a month-to-month basis
         unless either party has given at least ten (10) days' prior written
         notice to the other that it desires to terminate this engagement;
         PROVIDED, HOWEVER, that in the event of such termination, the Client
         shall be responsible for the reimbursement of expenses referred to in
         paragraph 5 incurred through date of termination and the payment of
         fees under paragraph 4 for transactions of the type contemplated by
         this agreement which are concluded during the term hereof or within or
         within two (2) years after the day of termination; and provided,
         further, that the provisions of paragraphs 6, 7, and 8 shall survive
         the termination of this letter and shall be binding upon any successors
         or assigns of the Consultant.

         12. The terms and provisions of this letter are solely for the benefit
         of the Client and TMXC and their respective successors, assigns, heirs
         and personal representatives, and no other person shall acquire or have
         any right by virtue of this letter. This letter shall be governed by,
         and construed in accordance with, the substantive laws of the State of
         Nevada without regard to the principle of conflicts of law, and may be
         amended, modified or supplemented only by written instrument executed
         by parties hereto.

         13. The invalidity or unforceability of any provision of this letter
         shall not affect the validity or enforceability of any other provisions
         of this letter, which shall remain in full force and effect.

         14. This letter may be executed in counterparts, all of which together
         shall constitute one agreement binding on all the parties hereto, not
         withstanding that all such parties are not signatories to the original
         or the same counterpart.

                                                 Sincerely,

                                                 /s/ Erik S. Nelson
                                                 -------------------------------
                                                 Erik S. Nelson/President
                                                 TMX Consulting Corp.

ACCEPTED AND AGREED, as of this

8th day of October, 2004:

/s/ Mark Newcomer
---------------------------------
Mark Newcomer,  CEO
3Pea Technologies, Inc.

                                       4<PAGE>

                                                                    EXHIBIT 10.3

                                                                           WELLS
                                                                           FARGO

                MASTER AGREEMENT FOR TREASURY MANAGEMENT SERVICES

The Service Documentation described below contains the terms under which Wells
Fargo provides treasury management services ("Services"). Wells Fargo Bank, N.
A. ("Bank") and the Company to which the Services will be provided are
identified in the Acceptance of Services ("Acceptance").

Bank and Company agree:

1. SERVICE DOCUMENTATION. The Service Documentation includes:

         1.1      The Service Description for each Service.
         1.2       The Acceptance.
         1.3      This Master Agreement for Treasury Management Services
                  ("Master Agreement").
         1.4      The account agreement for the business or commercial deposit
                  account(s) (each, an "Account") that Company or Company's
                  affiliate or subsidiary maintains at Bank or Bank's affiliate
                  in connection with a Service. The account agreement includes
                  the Dispute Resolution Program that Company and Bank agree to
                  use to resolve any disagreements between Company and Bank
                  regarding accounts and Services governed by the Service
                  Documentation.
         1.5      User Guides which include software, software licenses, reset
                  diskettes, price schedules, specifications, instructions, and
                  notices.
         1.6      The set-up form(s) for each Service.

         The Service Documentation also applies to any Service that is provided
         by an affiliate of Bank and any Service that is used by an affiliate or
         a subsidiary of Company. "Bank" includes each such affiliate, and
         "Company" includes each such affiliate and subsidiary. All terms
         defined in this Master Agreement shall have the same meaning when used
         in the Service Documentation. If there is a conflict among the
         documents that make up the Service Documentation, the documents will
         govern in the order set forth above. Company acknowledges receiving a
         copy of the Service Documentation for each Service it requested when it
         entered into this Master Agreement.

2.       SERVICES. Bank and Company will agree upon the Service(s) to be
         provided.

3.       CHANGES TO SERVICES. Bank may change (or add to) the terms and fees in
         the Service Documentation at any time upon prior written notification.
         If Company discontinues using the affected Service before the change
         becomes effective, it will not be bound by the change. If Company
         continues to use a Service after the change becomes effective, it will
         be bound by the change.

4.       TERM AND TERMINATION. Unless terminated sooner in accordance with the
         Service Documentation, this Master Agreement and all Services will
         continue in effect until terminated by either party upon thirty (30)
         days prior written notice to the other party (unless a Service is
         terminated sooner in accordance with the Service Documentation). Bank
         may terminate any Service following notice to Company of a breach of
         any provision of the Service Documentation and Company's failure to
         cure the breach within fifteen (15) days of the date of such notice.
         Bank may also terminate any Service without notice to Company if
         Company is subject to a petition under the U. S. Bankruptcy Code or if
         Bank determines, in its sole discretion, that a material adverse change
         has occurred in Company's ability to perform its obligations under the
         Service Documentation. The termination of a Service will not affect
         Company's or Bank's rights with respect to transactions which occurred
         before termination. Bank shall not be liable to Company for any losses
         or damages Company may incur as a result of any termination of any
         Service.

5.       SERVICE FEES. Company shall pay Bank the fees described in the Service
         Documentation and any taxes applicable to each Service, however
         designated, exclusive of taxes based on Bank's net income. Bank may
         debit Company's account(s) with Bank for any fees not covered by
         earnings credits and any taxes that are due, or it may send an invoice
         to Company for such amounts, which Company shall promptly pay. Bank may
         assess finance charges at a rate of 1.5% per month (18% per annum) or
         the highest rate permitted by law, whichever is less, on any invoiced
         fees or taxes that are not paid within thirty (30) days of the due date
         and shall apply payments and other reductions of amounts owed first to
         unpaid interest and then to other fees and charges.

MASTER AGREEMENT TM-1450 REVISED 3/1/04                              PAGE 1 OF 3

<PAGE>

6.       CONFIDENTIAL INFORMATION. Unless otherwise provided in the Service
         Documentation, all User Guides and computer programs provided pursuant
         to this Master Agreement constitute Bank's or its vendor's confidential
         information ("Confidential Information"). Bank or its vendor will
         remain the sole owner of all such Confidential Information, and Company
         will not acquire any interest in or rights to it as a result of
         Company's use of any Service except as set forth in the Service
         Documentation. Company will maintain the confidentiality of the
         Confidential Information and will not disclose (or permit its employees
         or agents to disclose), copy, transfer, sublicense or otherwise make
         any of it available to any person or entity, other than its employees
         who have a need to use the Confidential Information in connection with
         the applicable Service. Company shall notify Bank immediately if it
         knows or suspects that there has been any unauthorized disclosure,
         possession, use or knowledge (each, an "Unauthorized Use") of any
         Confidential Information, and if it is responsible for the Unauthorized
         Use, it will, at its expense, promptly take all actions, including
         without limitation initiating court proceedings to recover possession
         or prevent further Unauthorized Use of the Confidential Information and
         obtain redress for any injury caused to Bank as a result of such
         Unauthorized Use. In addition, except as permitted by applicable law,
         Company may not decompile, reverse engineer, disassemble, modify, or
         create derivative works of any computer program provided pursuant to
         this Master Agreement.

7.       THIRD PARTY NETWORKS; USE OF REQUIRED SOFTWARE. If Bank determines that
         any funds transfer or communications network, Internet service
         provider, or other system(s) it has selected to provide a Service is
         unavailable, inaccessible or otherwise unsuitable for use by Bank or
         Company, Bank may, upon notice to Company, suspend or discontinue the
         affected Service. Company shall use and maintain in good working order
         (and at its own expense) software, hardware and other equipment
         necessary for Company to use the Service(s) in accordance with the
         Service Documentation.

8.       NO REPRESENTATIONS OR WARRANTIES OF BANK OR SOFTWARE VENDOR. Neither
         Bank nor any software vendor makes any express or implied
         representations or warranties with respect to the Services or any
         software used in connection with the Services including without
         limitation any warranty as to the merchantability or fitness for a
         particular purpose, other than those expressly set forth in the Service
         Documentation.

9.       LIABILITY AND INDEMNIFICATION.

         9.1      Bank will perform each Service in accordance with reasonable
                  commercial standards applicable to Bank's business; laws,
                  regulations and operating circulars governing the activities
                  of Bank; applicable funds transfer system(s) and clearinghouse
                  rules; and the Service Documentation.

         9.2      Bank is under no obligation to honor, in whole or in part, any
                  entry, file, batch release, payment order, transaction or
                  instruction (each, an "Order"), which a) exceeds Company's
                  available funds on deposit in an Account with Bank related to
                  the Order, unless otherwise provided in the Service
                  Documentation; b) is not in accordance with the Service
                  Documentation or Bank's applicable policies, procedures or
                  practices as Bank may from time to time establish and make
                  available to Company; c) Bank has reason to believe may not
                  been duly authorized, should not be honored for its or
                  Company's protection, or involves funds subject to a hold,
                  dispute, restriction or legal process that prevents their
                  withdrawal; or d) would possibly result in Bank violating any
                  applicable rule or regulation of any federal or state
                  regulatory authority including without limitation any Federal
                  Reserve risk control program or guidelines such as the
                  limitations on Bank's intra-day net funds position.

         9.3      Company shall promptly furnish written proof of loss to Bank
                  and notify Bank if it becomes aware of any third party claim
                  related to a Service. Company shall cooperate fully (and at
                  its own expense) with Bank in recovering a loss. If Company is
                  reimbursed by or on behalf of Bank, Bank or its designee will
                  be subrogated to all rights of Company.

         9.4      Any claim, action or proceeding against Bank for losses or
                  damages arising from a Service, including Bank's honoring or
                  dishonoring a check covered by a Service, must be brought
                  within one (1) year from the date of the act or omission or in
                  the case of a check from the date the check was first paid or
                  returned by Bank.

         9.5      Bank will have no liability for failure to perform or delay in
                  performing a Service if the failure or delay is due to
                  circumstances beyond Bank's reasonable control.

         9.6      Except in the case of Bank's gross negligence or intentional
                  misconduct, Company shall indemnify and hold Bank, its
                  directors, officers, employees and agents harmless from all
                  losses or damages that arise out of a) the performance of a
                  Service in accordance with the Service Documentation including
                  without limitation any warranty Bank is required to make to a
                  third party in connection with a Service; b) an act or
                  omission of any agent, courier or authorized representative of
                  Company; and c) if the Service includes a license or
                  sublicense of any software to Company, the use or distribution
                  of the software by Company or any person gaining access to the
                  software through Company that is inconsistent with the license
                  or sublicense.

MASTER AGREEMENT TM-1450 REVISED 3/1/04                              PAGE 2 OF 3

<PAGE>

         9.7      Bank will only be liable to Company for its direct monetary
                  losses or damages due to Bank's negligence or breach of this
                  Master Agreement. Except in the case of Bank's gross
                  negligence or intentional misconduct, Bank's liability to
                  Company will be limited to an amount not to exceed ten (10)
                  times Bank fees incurred during the calendar month immediately
                  preceding the calendar month in which such loss or damages
                  were incurred (or, if no Bank fees were incurred in such
                  month, Bank fees incurred in the month in which the losses or
                  damages were incurred). In no event will either party to this
                  Master Agreement be liable to the other party for any special,
                  consequential, incidental (including without limitation court
                  costs and attorneys' fees), indirect, or punitive losses or
                  damages, whether any claim is based on contract or tort, or
                  whether the likelihood of such losses or damages was known to
                  the other party and regardless of the form of the claim or
                  action.

10.       GENERAL.

         10.1     The Service Documentation will be governed by substantive
                  federal laws, regulations and rules and, to the extent such
                  laws, regulations and rules are not applicable, those of the
                  state in which the principal office of the Bank identified on
                  the Acceptance is located, without regard to conflicts of laws
                  principles. Any portion of the Service Documentation which is
                  inconsistent with applicable laws, regulations or rules will
                  be deemed modified and applied in a manner consistent
                  therewith, and Bank will incur no liability to Company as a
                  result of the inconsistency or modification and application.
                  If any portion of the Service Documentation is deemed
                  unenforceable or invalid, it will not otherwise affect the
                  enforceability or validity of the Service Documentation.

         10.2     The Service Documentation is the entire agreement between Bank
                  and Company and supersedes all prior representations,
                  conditions, warranties, understandings, proposals or
                  agreements regarding a Service. No course of dealing or waiver
                  of any right on one occasion will constitute a modification of
                  the Service Documentation or be a waiver of that right on a
                  subsequent occasion.

         10.3     Company agrees to provide Bank promptly upon Bank's request
                  any existing financial statements or other information
                  pertaining to Company's financial condition or any previously
                  unprepared financial statements which Bank may require Company
                  to prepare and/or to be audited or reviewed by independent
                  certified public accountants acceptable to Bank.

         10.4     Company expressly warrants that a Service will not be used in
                  a manner which violates any federal or state law including
                  without limitation any sanction or control administered by the
                  Office of Foreign Assets Control or Bureau of Export
                  Administration.

         10.5     Sections 4, 5, 6, 8, 9, 10.4 and 10.5 of this Master Agreement
                  will survive termination of this Master Agreement.

         10.6     Either party may provide notice to the other party by mail,
                  personal delivery, or electronic transmission. Bank shall use
                  the most recent address for Company in Bank's records, and any
                  notice from Bank will be effective when sent. Company shall
                  use the address where Company's relationship manager or other
                  manager is located and address any notice to the attention of
                  such manager. Any notice from Company will be effective when
                  actually received by Bank. Bank will be entitled to rely on
                  any notice from Company that it believes in good faith was
                  authorized by an authorized representative of Company and,
                  except as expressly stated in the Service Documentation, shall
                  have no obligation to verify the signature (including an
                  electronic signature). Each party will have a reasonable time
                  after receipt of any notice to act on it.

         10.7     All uses of the Services through Company's ID codes,
                  passwords, token cards, PINs, or passcodes (each, a "Code")
                  will be deemed to be authorized by and binding on Company.
                  Company's failure to protect Codes may allow an unauthorized
                  party to a) use the Services, b) access Company's electronic
                  communications and financial data, and c) send or receive
                  information and communications to Bank. Unencrypted electronic
                  transmissions are not secure and Company assumes the entire
                  risk for unauthorized use of Codes and any unencrypted
                  electronic transmissions.

         10.8     Company may not assign or transfer its rights or obligations
                  with respect to the Service Documentation without Bank's prior
                  written consent. Bank may assign its rights and obligations
                  with respect to the Service Documentation to any successor by
                  merger, consolidation or corporate reorganization.

         10.9     Unless otherwise provided in the Service Documentation, the
                  term "Banking Day" means that part of a business day occurring
                  prior to the cutoff time determined in accordance with Bank's
                  applicable funds availability policy.

Master Agreement TM-1450 revised 3/1/04                              Page 3 of 3

<PAGE>

                                                                           WELLS
                                                                           FARGO

                             ACCEPTANCE OF SERVICES
PART I - CERTIFICATION

BANK: WELLS FARGO BANK, N.A.     [ ] Yes   [X] NO  NEW AGREEMENT
                                 [X] YES   [ ] No  ADDITIONAL SERVICE

Each person singing this Acceptance of Services, ("Acceptance") certifies that:

(a)  the undersigned Company has received and agrees to be bound by the Service
     Documentation, as defined in Bank's Master Agreement for Treasury
     Management Services ("Agreement"), and, if checked below, Bank's Security
     Procedures, Sweep Services and Credit Sweep Services;

(b)  he or she has full authority to execute this Acceptance on behalf of
     Company, to enter into other agreements with Bank for Services now or
     hereafter offered by Bank and to amend, terminate or otherwise act on
     behalf of Company with respect to such agreements and Services; and

(c)  Company's use of any Service confirms its agreement to be bound by the
     Service Documentation relating to that Service.

All terms defined in the Agreement shall have the same meaning when used in this
Acceptance.

Company's elections with respect to Security Procedures, Sweep Services, and
Credit Sweep Services are:

[*] Yes [*] No Security Procedures-ACH
[*] Yes [*] No Security Procedures- Wire Transfers
[*] Yes [*] No Sweep Services
[*] Yes [*] No Credit Sweep Services.

PART II - SECURITY PROCEDURES

A.       IMPORTANT INFORMATION ABOUT SECURITY PROCEDURES.

Company understands that when Bank acts on any instruction to transfer funds by
ACH or wire transfer from accounts Company maintains at Bank (each, an "Order"),
Bank and any beneficiary's bank may rely solely on (i) the beneficiary's account
number even if it identifies a person different from the named beneficiary, and
(ii) if provided to Bank, the identification number of any other financial
institution through or to which the funds are to be transferred, rather than the
name of the financial institution. Company expressly agrees to be bound by any
Order, whether or not authorized, issued in its name and accepted by Bank in
compliance with the security procedure(s) Company has selected as indicated
below. If Company selects a security procedure that is set forth in an Addendum,
that Addendum is incorporated in this Acceptance by this reference.

B.       SECURITY PROCEDURES FOR ACH SERVICES.

OPTION 1    [*] Yes   [*] No BANK'S STANDARD SECURITY PROCEDURES (as set forth
                          in Bank's ACH Services
                          Security Procedures Agreement that is incorporated
                          in this Acceptance by this reference).

         IF COMPANY ELECTS BANK'S STANDARD SECURITY PROCEDURES, COMPANY MUST
         SELECT ONE OF THE FOLLOWING SECURITY PROCEDURES:

                 [*] Yes [*] No INTERNET ACH SECURITY PROCEDURE.
                 [*] Yes [*] No OTHER ACH SERVICES SECURITY procedures
                            (If yes, select procedure that applies.)

               Token Card/Passcode -
[*] File Transmission/Batch Release   [*] Password - File Transmission
[*] Secure File Transport.            [*] Password - Taped or Written
                                          Instructions.

TM-1444 Acceptance of Services (Revised 5/11/04)                     Page 1 of 4

<PAGE>

OPTION 2   [*] Yes   [*] No SPECIAL SECURITY PROCEDURES. Company has refused
                         the security procedures set forth in Option 1 above.
                         Instead Company has requested use of the security
                         procedure(s) set forth in the Addendum.

Individual(s) authorized to receive information regarding the ACH security
procedure selected above:

Name: ________ [*] ______________   Name: ________ [*] ______________
Name: ________ [*] ______________   Name: ________ [*] ______________

C.       SECURITY PROCEDURES FOR WIRE TRANSFER SERVICES.

OPTION 1    [*] Yes   [*] No   BANK'S STANDARD SECURITY PROCEDURES (as set forth
                               in Bank's Wire Transfer Services Security
                               Procedures Agreement that is incorporated in
                               this Acceptance by this reference).

                  IN ADDITION TO BANK'S STANDARD SECURITY PROCEDURES, COMPANY
                  HAS SELECTED THE FOLLOWING SECURITY PROCEDURES:

                  [*] Yes   [*]     No SECURITY PROCEDURE FOR TELEPHONE
                                    VERIFICATION (voice-initiated Orders only).
                                    Voice-initiated, non-repetitive Orders
                                    exceeding $_________ will be subject to
                                    telephone verification. (If no amount is
                                    designated, $500,000 will be used.)

                  [*] Yes   [*] No  SECURITY PROCEDURE FOR COMMERCIAL ELECTRONIC
                                    OFFICE(R) ("CEO(R)") WIRE TRANSFER SERVICE
                                    (OR WELLSNET(R) WIRE TRANSFER SERVICE.)

                  [*] Yes   [*] No  SECURITY PROCEDURES FOR ELECTRONIC
                                    COMMERCE/PAYMENT MANAGER SERVICES (If yes,
                                    select procedure that applies.)

                                    [*] Password - File Transmission
                                        (Non-encrypted). (This procedure
                                        requires that a unique eight-digit code
                                        separately agreed upon in writing by
                                        Company and Bank be presented with
                                        Company's wire file. Company may be
                                        required to change the code on a regular
                                        basis.)

                                    [*] Secure File Transport (Encrypted).
                                        (This procedure uses 128-bit Secure
                                        Sockets Layer encryption and requires
                                        the use of a transmission ID and a
                                        transmission password. Use of a digital
                                        certificate is optional.)

OPTION 2     [*] Yes   [*] No       SPECIAL SECURITY PROCEDURES.  Company has
                                    refused the security procedures set forth in
                                    Option 1, above.  Instead Company has
                                    requested use of the security procedure(s)
                                    set forth in the Addendum.

INDIVIDUAL(S) AUTHORIZED TO RECEIVE INFORMATION REGARDING THE WIRE TRANSFER
SECURITY PROCEDURE SELECTED ABOVE:

Name: ________ [*] ______________   Name: ________ [*] ______________
Name: ________ [*] ______________   Name: ________ [*] ______________

TM-1444 Acceptance of Services (Revised 5/11/04)                     Page 2 of 4

<PAGE>

PART III - SWEEP SERVICES

A.       IMPORTANT DISCLOSURES

GENERAL. The investment instruments below that are offered, sold, or placed by
Bank are not deposits in or obligations of, and are not guaranteed by, Bank or
any affiliate (except for Repurchase Agreements, see below); are not insured by
the FDIC, the Securities Investors Protection Corporation, or the United States
of America; and are subject to investment risk including possible loss of
principal invested or the nonpayment of interest. Yields vary with market
conditions. Past performance is no guarantee of future results. Bank makes no
representation or warranty as to the suitability or safety with respect to any
investments. Bank and its affiliates and their respective employees, officers
and directors, will not be liable to Company for any reason whatsoever related
to investments or redemptions made through the Services..

ELECTRONIC DELIVERY. Confirmations and/or Statements will be sent to Company by
electronic means unless otherwise requested by Company. Electronic means include
the Commercial Electronic Office(R), facsimile or Secure E-Mail.

MUTUAL FUNDS. Wells Fargo Funds Management, LLC, a wholly-owned subsidiary of
Wells Fargo & Company, provides investment advisory and administrative services
for the Wells Fargo Funds(R). Other affiliates of Wells Fargo & Company provide
sub-advisory and other services for the Funds. The Funds are distributed by
Stephens, Inc., Member NYSE/SIPC. Wells Fargo & Company and its affiliates are
not affiliated with Stephens, Inc. Fees for such services are disclosed in the
prospectuses for these Funds. Bank may act as agent or as principal for Company
for mutual fund transactions..

For more complete information about the Wells Fargo Money Market Funds including
fees and expenses that apply to an investment in them, obtain a current
prospectus by contacting your Treasury Management sales officer, relationship or
other manager or Institutional Brokerage & Sales representative. Please read the
prospectus carefully before investing. Money market mutual funds seek to
preserve the value of your investment at $1.00 per share; it is possible to lose
money by investing in the money market mutual funds.

EURODOLLAR SWEEP. Funds invested in the Eurodollar Sweep account are not
domestic bank deposits, are not insured by the Federal Deposit Insurance
Corporation and are not guaranteed by the United States government or any agency
thereof.

REPURCHASE AGREEMENTS. Repurchase Agreement transactions are obligations of, but
not deposits with, the repurchase counterparty (Bank or affiliates).

GOVERNMENT SPONSORED ENTERPRISES ("GSE"). Bank will act as principal for all GSE
transactions. Discount notes and other short-term obligations issued by GSE's
are obligations of their respective issuers. The obligations of such issuers are
not obligations of, nor are they guaranteed by the United States of America.

B.       DESIGNATION OF INVESTMETN INSTRUMENTS

Company designates the following investment instruments (Select only one per
checking account):

[*] Yes   [*] No           OVERLAND EXPRESS(R) SWEEP.  (Wells Fargo Overland
                           Express Sweep Fund)

[*] Yes   [*] No           INVESTACCOUNT(R).   In addition to this Acceptance
                           and the Service Description, a Master Repurchase
                           Agreement must be completed and signed.

[*] Yes   [*]              No EURODOLLAR SWEEP.

[*] Yes   [*] No           CORPORATE CASH MANAGEMENT ACCOUNT ("CCMA"). In
                           addition to this Acceptance and the Service
                           Description, a Master Repurchase Agreement must be
                           completed and signed.

[*] Yes   [*] No           CORRESPONDENT FED FUNDS SOLD.  In addition to this
                           Acceptance and the Service Description, a Federal
                           Funds Sale Agreement-Principal Only-Sweep
                           letter must by______ completed and signed.

TM-1444 Acceptance of Services (Revised 5/11/04)                     Page 3 of 4

<PAGE>

o        GOVERNMENT SPONSORED ENTERPRISE INVESTMENT OPTION (You must select at
         least two)

         [*]   Federal Farm Credit Bank ("FFCB")

         [*]   Federal Home Loan Bank ("FHLB")

         [*]   Federal National Mortgage Association ("Fannie Mae")

o        CONCENTRATION ACCOUNT ELECTIONS

The Concentration Account, Interest Account and Specified Balance listed below
are subject to Bank's Corporate Cash Management Account Service Description.

<TABLE>
<S>     <C>
------------------------------------------- -------------------------------- -----------------------------------------
Concentration Account Name                  Account Number                              Specified Balance
                                                                                           (if desired)
                   [*]                                    [*]                $                 [*]
------------------------------------------- -------------------------------- -----------------------------------------
          Interest Account Name             Account Number

   ((May be the Concentration Account)
                   [*]                                    [*]
------------------------------------------- -------------------------------- -----------------------------------------
</TABLE>

AGREED TO AND ACCEPTED BY:

COMPANY: 3PEA TECHNOLOGIES, INC.

BY:    SIGNED
   ---------------------------------
NAME: MARK R. NEWCOMER

TITLE: CHIEF EXECUTIVE OFFICER

DATE: NOVEMBER 4, 2004

[*] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY
BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
COMMISSION PURSUANT TO RULE 406 OF THE SECURITIES ACT OF 1933, AS AMENDED

TM-1444 Acceptance of Services (Revised 5/11/04)                     Page 4 of 4

<PAGE>

                                                                           WELLS
                                                                           FARGO

                    ACH SERVICES SECURITY PROCEDURE AGREEMENT

Bank and Company have entered into a Master Agreement for Treasury Management
Services (the "Agreement") which governs the ACH services to be provided by
Bank.

Bank and Company agree:

1.   SECURITY PROCEDURE SELECTION. The Token Card/Passcode - File
     Transmission/Batch Release security procedure described below is required
     for the product known as the Internet ACH Service. If Company uses the
     Internet to access ACH services, but does not use the Internet ACH Service,
     the Secure File Transport security procedure is required. For each of the
     other ACH services, Company acknowledges that Bank offers each of the
     security procedures described below for the purpose of verifying the
     authenticity of an instruction to originate an ACH credit or debit entry (a
     "payment order") received by Bank in the name of Company. Company refuses
     to have its payment orders verified by any security procedure other than
     the security procedure it has expressly designated. Company has reviewed
     various security procedures including the following and has determined that
     the security procedure designated in the Acceptance of Services best meets
     its requirements, given the size, type and frequency of the payment orders
     it will issue to Bank:

     TOKEN CARD/PASSCODE - File Transmission/Batch Release (for Internet ACH
     Service) - This procedure combines a token card with a personal
     identification number (PIN). A token card will be assigned to each Operator
     (as defined below). The PIN is set by each Operator individually upon first
     logon. The token card generates a random and unique security code every
     minute. The code combines with the PIN to provide a unique password every
     minute. The password must be presented with the ACH transmission or batch
     release authorization and is used by Bank to authenticate the identity of
     Company and/or the person originating the transmission or release. Bank
     will verify each request to access the Service by determining if the
     Passcode is valid for the associated Operator ID and if the Operator ID
     used by the person requesting access is the Operator ID of one of the
     persons Company has designated as being authorized such access. Bank has no
     obligation to confirm in any other way the identity of any person making
     such a request.

     IF COMPANY HAS REQUESTED SELF-ADMINISTRATION OF COMPANY'S ACCESS TO THE
     CEO, Bank will assign a Company ID code and will set up Company's first
     Company administrator ("FCA") by assigning a personal ID code and password
     to be used when the FCA first enters the CEO. The FCA can then set up
     additional Company administrators (who will have access to all services
     Company receive through the CEO), administrators and users. A User is an
     Operator. (Administrators and Users will have access only to the specific
     service(s) they are set up to access.) Any Company administrator: (a) can
     set up additional Company administrators, administrators and users, issuing
     them a password that will be changed upon first entry to the CEO and a
     personal ID code; (b) can reset passwords for all services; and (c) shall
     be required to immediately disable access to the CEO for any Company
     administrator, administrator or user who ceases to be a Company
     administrator, administrator or user. Administrators can set up additional
     administrators and users and reset passwords for the specific service(s)
     they are set up to access. Bank will not know the password of any Company
     administrator, administrator, or user except the initial password assigned
     to the FCA. Bank will give the Company administrators and the
     administrators a token card and a personal identification number ("PIN"),
     known only by them and Bank. Self-administration will allow a Company
     administrator or an administrator to initiate a request to Bank to reassign
     an existing token card to another Company administrator, administrator or
     user.

TM-1425 ACH Services Security Procedure Agreement - Revised 6/19/2002
                                                                     Page 1 of 2

<PAGE>

     IF COMPANY HAS REQUESTED SELF-ADMINISTRATION WITH DUAL CONTROL, BANK WILL
     ASSIGN A COMPANY ID CODE AND WILL SET UP COMPANY'S FIRST TWO COMPANY
     ADMINISTRATORS (THE FCAS) BY ASSIGNING EACH A PERSONAL ID CODE AND PASSWORD
     TO BE USED WHEN EACH FIRST ENTERS THE CEO. ALL ACTIONS WHICH CAN BE
     PERFORMED BY A COMPANY ADMINISTRATOR OR ADMINISTRATOR IN THE PRECEDING
     PARAGRAPH WILL REQUIRE THAT ONE COMPANY ADMINISTRATOR OR ADMINISTRATOR WITH
     APPROPRIATE FUNCTION ACCESS TO INITIATE THE ACTION AND A SECOND COMPANY
     ADMINISTRATOR OR ADMINISTRATOR WITH APPROPRIATE FUNCTION ACCESS TO APPROVE
     THE ACTION.

     IF COMPANY DOES NOT HAVE SELF-ADMINISTRATION, COMPANY'S SECURITY
     ADMINISTRATOR WILL DETERMINE WHICH OF COMPANY'S EMPLOYEES WILL BE
     AUTHORIZED TO CREATE/MODIFY AND TO VERIFY ACH TRANSFER REQUESTS (EACH, AN
     "OPERATOR") AND THE DOLLAR LIMITS PER TRANSACTION AND PER DAY ASSIGNED TO
     EACH OPERATOR AND WILL COMMUNICATE THIS INFORMATION TO BANK. BANK WILL SET
     UP THE OPERATORS BY ASSIGNING EACH AN OPERATOR ID. THE SECURITY
     ADMINISTRATOR WILL ALSO BE RESPONSIBLE FOR COMMUNICATING ANY CHANGES IN
     OPERATORS OR IN OPERATOR LIMITS OR AUTHORIZATION(S) TO BANK AND PROMPTLY
     REPORTING ANY LOST OR STOLEN TOKEN CARDS.

     SECURE FILE TRANSPORT - THIS PROCEDURE USES 128-BIT SSL ENCRYPTION AND
     REQUIRES THE USE OF A TRANSMISSION ID, A TRANSMISSION PASSWORD, AND A
     DIGITAL CERTIFICATE.

     PASSWORD - FILE TRANSMISSION - THIS PROCEDURE REQUIRES THAT A UNIQUE
     EIGHT-DIGIT CODE SEPARATELY AGREED UPON IN WRITING BY COMPANY AND BANK BE
     PRESENTED WITH COMPANY'S ACH FILE. COMPANY MAY BE REQUIRED TO CHANGE THE
     CODE ON A REGULAR BASIS.

     PASSWORD - TAPED OR WRITTEN INSTRUCTIONS - THIS PROCEDURE REQUIRES THAT
     COMPANY PRESENT TAPED OR WRITTEN INSTRUCTIONS IN A TAMPER PROOF CONTAINER
     ACCOMPANIED BY A UNIQUE CODE SEPARATELY AGREED UPON IN WRITING BY COMPANY
     AND BANK.

2.   SECURITY PROCEDURE PROTECTION. Company and Bank will preserve the
     confidentiality of the security procedure. If Company becomes aware of a
     breach, or suspects that a breach may occur, it will immediately notify
     Bank in a matter affording Bank a reasonable opportunity to act on the
     information.

3.   COMPANY BOUND BY PAYMENT ORDERS. Company will be bound by any payment
     order, whether or not authorized, issued in its name and accepted by Bank
     in compliance with the designated security procedure.

4.   INCONSISTENCY OF NAME AND NUMBER. If a payment order describes the receiver
     inconsistently by name and account number (i) payment may be made on the
     basis of the account number even if it identifies a person different from
     the named receiver (ii) Bank may in its sole discretion refuse to accept or
     may return the payment order. If a payment order describes a participating
     financial institution inconsistently by name and identification number, the
     identification number may be relied upon as the proper identification of
     the financial institution. If a payment order identifies a non-existent or
     unidentifiable person or account as the receiver or the receiver's account,
     Bank may in its sole discretion refuse to accept or may return the payment
     order.

5.   TERMINOLOGY. Unless specifically defined in this Security Procedure
     Agreement, terms used herein have the meanings, if any, provided in the
     Agreement and the other Service Documentation, as each may be amended from
     time to time.

TM-1425 ACH Services Security Procedure Agreement - Revised 6/19/2002
                                                                     Page 2 of 2
<PAGE>

                                                                           WELLS
                                                                           FARGO

                            ACH SERVICES DESCRIPTION

1.       THE ACH SERVICES (THE "SERVICES"). The Services, one or more of which
         have been separately designated by Company in the ACH Services Set-up
         Form delivered to Bank, are generally described as follows:

         1.1.     ORIGINATION SERVICES.

                    1.1.1. DIRECT ACH ORIGINATION. The Direct ACH Origination
         Service will enable Company, using Company's software, to create
         entries and files in standard ACH format and send them electronically
         to Bank for transmission in accordance with the Rules (see Subsection
         4.1).

                    1.1.2. THIRD PARTY ACH ORIGINATION. The Third Party ACH
         Origination Service will enable Company's agent, using that agent's
         software, to create entries and files in standard ACH format and send
         them electronically to Bank for transmission in accordance with the
         Rules (see Subsection 4.1).

                  1.1.3. ACH EXPRESS. The ACH Express Service will enable
         Company to create entries and files in standard ACH format at its own
         personal computer and send them electronically to Bank for transmission
         in accordance with the Rules (see Subsection 4.1). All files
         transmitted through the ACH Express Service must be created and
         transmitted to Bank using software specified by Bank which is the
         original, confidential, valuable and proprietary property of Politzer &
         Haney (the "Software"), which has licensed it to Bank, or to an
         affiliate of Bank, with the right to sublicense it to Company. Bank
         grants Company a non-exclusive and non-assignable sublicense to use the
         Software solely for the purpose of initiating entries in accordance
         with the provisions of the license (a copy of which is available to
         Company on request), this ACH Services Description and the other
         Service Documentation. This sublicense will terminate upon the earlier
         to occur of termination of the license or termination of this Service.
         Upon termination, Company will promptly return all copies of the
         Software to Bank.

                           1.1.3.1. IN NO EVENT WILL BANK BE LIABLE FOR ANY
         INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT
         NOT LIMITED TO LOST DATA, PROGRAMS, PROFITS (ANTICIPATED, ACTUAL OR
         OTHERWISE), OR BENEFITS RESULTING FROM USE OF, RELIANCE UPON, OR
         INABILITY TO USE THE SOFTWARE, REGARDLESS OF WHETHER OR NOT BANK HAS
         BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF
         WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING
         NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY OR FORM OF ACTION.
         IN NO EVENT WILL BANK'S CUMULATIVE LIABILITY TO COMPANY IN RELATION TO
         THIS SUBLICENSE EXCEED A SUM EQUAL TO THE TOTAL SUBLICENSE FEE ACTUALLY
         PAID TO BANK. COMPANY ACKNOWLEDGES THAT NEITHER POLITZER AND HANEY NOR
         BANK MAKES ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT
         LIMITATION THE WARRANTIES OF MERCHANTABILITY AND OF FITNESS FOR A
         PARTICULAR PURPOSE.

                           1.1.3.2. Company agrees that, if required by law, the
         Software will not be exported directly or indirectly, separately or as
         a part of a system, without first obtaining a license from the United
         States Department of Commerce or any other appropriate agency of the
         United States Government.

                           1.1.3.3. Bank may make copies of any enhanced
         versions of the Software available to Company at such price as Bank
         will determine at its sole discretion. Company acknowledges that
         Politzer and Haney has the right to enforce the terms of the license
         directly against Company in the event of a breach of its terms by
         Company. Company may not assign the license or this sublicense to
         anyone. Bank may discontinue to provide to Company any maintenance or
         other support with respect to the Software which it now, or hereafter
         provides upon prior written notice to Company.

TM-1423 ACH Services Description - Revised 7/2002                    page 1 of 6

<PAGE>

                           1.1.3.4. Company will not publish, disclose, display
         or otherwise make the Software available to others. Company will secure
         and protect the Software in a manner consistent with the protection of
         its own proprietary information and take appropriate action by
         instruction or agreement with its employees who are permitted access to
         the Software to ensure such protection. Company acknowledges that,
         except as specifically permitted in writing by Bank, Company will not
         provide, transmit, further sublicense, transfer or otherwise distribute
         the Software or any part of it to a third party, or copy, reverse
         engineer, reverse compile, or reverse assemble, modify or alter the
         Software or any part of it.

                  1.1.4. INTERNATIONAL ACH. The International ACH Service will
         enable Company to create entries and files using a modified NACHA
         format for the purpose of debiting or crediting selected country
         accounts held outside the United States and send them electronically to
         Bank for transmission in accordance with the Rules (see Subsection
         4.1), which for purposes of International ACH shall also include the
         International ACH Origination Reference Guide, the Cross-Border Payment
         Operating Rules, and any other applicable ACH rules, including those
         promulgated by a local ACH association or governmental body ("Other ACH
         Rules." ) For purposes of originating credits and debits to a USD or
         CAD denominated account located in Canada, the Other ACH Rules shall
         include the Rules of the Canadian Payments Association (the "CPA
         Rules.")

                           1.1.4.1. With respect to credit entries, Bank will
         convert the amount to be transferred from United States Dollars to the
         currency of a designated foreign government or intergovernmental
         organization ("Foreign Currency") at Bank's buying rate for exchange in
         effect on the date the entry is transmitted by Bank to the ACH or
         gateway operator. If the financial institution designated to receive
         the funds does not pay the beneficiary specified in the entry, or if
         the entry is subsequently determined to be erroneous, Bank will not be
         liable for a sum in excess of the value of the entry after it has been
         converted from Foreign Currency to United States Dollars at Bank's
         selling rate for exchange at such time as the entry is returned to
         Bank.

                           1.1.4.2. With respect to debit entries (where
         permitted), Bank will convert the amount of each Entry from Foreign
         Currency at Bank's selling rate for exchange in effect on the
         settlement date of the entry. If the financial institution designated
         to receive the entry subsequently returns it, Bank may charge the
         Account (see Subsection 4.2) for the sum equal to the value of the
         returned entry as measured in Foreign Currency at Bank's buying rate
         for exchange at such time as the entry is returned to Bank.

                           1.1.4.2.1. Before Company may intiate any debit
         entries that settle to a USD or CAD denominated account located in
         Canada , it will be required to: (a) sign and return to Bank the Payee
         Letter of Undertaking for Canadian Pre-Authorized Debits provided by
         Bank; and (b) collect from each payor of a debit a debit authorization
         in a form which complies with the CPA Rules. Company acknowledges that
         Bank has provided it with a means for accessing the CPA Rules,
         including Rule H1.

                           1.1.4.3. Bank will not be liable for any failure or
         delay by a gateway operator, any intermediary financial institutions,
         or the receiving depository financial institution in the designated
         foreign country in processing or failing to process any entry Bank
         transmits, or for acts or omissions by a third party, including by way
         of example and not by way of limitation, the delay or failure of any
         third party to process, credit or debit any entry.

                           1.1.4.4. Company acknowledges that the ACH system may
         not be used to conduct any transaction in violation of Federal law.
         Company expressly warrants that no Entry delivered to Bank will, if
         acepted by Bank, cause Bank to be in violation of any sanction
         administered by the Office of Foreign Assets Control.

                  1.1.5. INTERNET ACH. Internet ACH will enable Company to
         originate ACH transactions via the Internet. Company will provide for
         its own access to the Internet through either an Internet service
         provider or through a local area network connection to an Internet
         service provider. If Company's service provider is unable to provide
         access at any time, Company will not be able to access the Service.
         After Company has successfully completed the authentication process and
         obtained access to the Service.

TM-1423 ACH Services Description - Revised 7/2002                   page 2 of  6

<PAGE>

      Company will build a database of payment transactions. Company's database
      and applications will reside on a Bank owned and managed server. Company
      will, from that database, create a batch. Company will be responsible for
      verifying its batch totals and settlement date. Once verified, Company
      will only need to press a button to "release" that batch to Bank for
      processing. Bank will create a file of released batches in standard ACH
      format and process the file in accordance with the Rules (see Subsection
      4.1)

1.2. RECEIVING SERVICES.

         1.2.1. ACH TRANSACTION FILTER. The ACH Transaction Filter Service will
enable Company to better protect its accounts at Bank from unauthorized debit
entries. Bank offers three options that monitor the debit entries posted to
accounts. Company has elected one of the following options on the ACH Services
Set-up Form:

o        to have all debit entries automatically blocked from its account(s);

o        to have all debit entries presented to it for review and its request
         for further action; or

o        to authorize specific debit entries to be posted to its account(s).

If Company has chosen the review option (see the middle bullet above), it will
immediately review each Intercept Report and notify Bank in the manner and by
the applicable cutoff time as required in the Guide of any debit entry listed on
the Intercept Report which is unauthorized. If it does not, Bank will be
entitled to post the debit entry to Company's account.

         1.2.2. ACH INVESTMENT FUND. The ACH Investment Fund Service will enable
Company to offer direct deposit or direct payment arrangements to its customers.
Bank will prepare detailed transaction information which it will send to Company
in one file each morning on a business day. Company has elected either
individual postings or a consolidated settlement of transactions on the ACH
Services Setup Form.

2.       PROVISIONS APPLICABLE ONLY TO ORIGINATION SERVICES.

         2.1. SECURITY PROCEDURE. Bank will verify that Company has authorized,
canceled or amended an entry that constitutes a payment order (as that term is
defined in Section 4A-103(a)(1) of the Uniform Commercial Code, as amended from
time to time) solely by means of the security procedure separately agreed to in
writing by Bank and Company. The security procedure will not be used to detect
errors. Company will promptly notify Bank in writing of the identity of each
person authorized to receive information regarding the security procedure (each
singly or in the aggregate, an "authorized person") and of any change in an
authorized person. Bank will have a reasonable time after receipt of a notice to
act on it. Company will establish and maintain effective internal procedures to
safeguard against unauthorized transmissions and batch releases. Company
warrants that no individual will be allowed to initiate transfers or batch
releases in the absence of proper supervision and safeguards, and Company will
take reasonable steps to maintain the confidentiality of the security procedure
and any passwords, codes, security devices and related instructions provided by
Bank. If Company believes or suspects that any such information or instructions
have been known or accessed by unauthorized persons, Company will notify Bank
immediately followed by written confirmation. Bank will have a reasonable time
after receipt of notice to act on it. If a payment order, or a request for
cancellation or amendment of a payment order, received by Bank purports to have
been transmitted or authorized by Company, it will be deemed effective as
Company's payment order or request and Company will be obligated to pay Bank the
amount of the payment order even though the payment order or request was not
authorized by Company, provided Bank accepted the payment order in good faith
and acted in compliance with the security procedure. If a payment order, or
request for cancellation or amendment of a payment order, received by Bank was
authorized by Company, Company will pay Bank the amount of the payment order,
whether or not Bank complied with the security procedure with respect to that
payment order.

         2.2. REJECTED ENTRIES. Without limiting Bank's general right to reject
entries or files under the Rules, Bank may reject any entry or file which does
not comply with the requirements in this Service

TM-1423 ACH Services Description - Revised 7/2002                   page 3 of  6

<PAGE>

Description, the Rules or the security procedure, or with respect to which the
Account (see Subsection 4.2) does not contain sufficient available funds to pay
for the entry. Bank may reject an entry received for credit to an account
maintained at Bank (an "on-us entry") for any reason for which an entry may be
returned under the Rules. If an entry or file is rejected, Bank will make a
reasonable effort to notify Company promptly so that Company may repair and
retransmit the entry or file. A notice of rejection will be effective when
given. Bank will have no liability to Company by reason of the rejection of any
entry or file, the fact that notice is not given at an earlier time than that
provided for in this Service Description or for any loss resulting from Bank's
failure to provide notice. If Company requests that Bank repair an entry or file
and Bank endeavors to do so, Bank will not be liable for its failure to make the
requested repair. Company will pay all charges and expenses Bank incurs in
connection with file repairs.

         2.3. PAYMENT OBLIGATIONS; SETTLEMENT. Company will maintain in the
Account (see Subsection 4.2) as of the applicable settlement date and time
immediately available funds sufficient to cover all credit entries Company
originates through Bank. If requested, the funds will be prepaid to Bank before
Bank delivers the credit entries to the ACH or gateway operator. Company's
obligation to pay Bank for each credit entry matures at the time Bank transmits
or otherwise delivers the credit entry to the ACH or gateway operator and is
unaffected by termination of the Services. Bank is authorized to debit the
Account for the total amount of all credit entries on or before the applicable
settlement date. Bank is not, however, intending to make a loan to Company.
Notwithstanding any other provision of this Service Description or the other
Service Documentation, Bank is authorized upon notice to Company to place a hold
on an equal amount of funds in the Account or in any other accounts at Bank or
any affiliate of Bank owned in whole or in part by Company, or to take any other
action it deems appropriate to ensure that it receives payment. Bank may charge
the Account or any other Company account at Bank or any affiliate of Bank for
any debit, correcting or reversing entry which is later returned to Bank. Bank
may also set off against any amount it or an affiliate of Bank owes to Company
in order to obtain payment of Company's obligation as set forth in this Service
Description.

         2.4. CANCELLATION OR AMENDMENT. Company will have no right to cancel or
amend any entry or file after its receipt by Bank. However, if the request
complies with the security procedure Bank may use reasonable efforts to act on
it prior to transmitting the entry or file to the ACH or gateway operator or, in
the case of an on-us entry, prior to crediting a receiver's account, but will
have no liability if the cancellation or amendment is not effected. Company will
reimburse Bank for any expenses, losses or damages Bank may incur in effecting
or attempting to effect Company's request.

         2.5. RETURNED ENTRIES. Except for an entry or file retransmitted by
Company in accordance with the requirements of this Service Description, Bank
will have no obligation to retransmit a returned entry or file to the ACH or
gateway operator if Bank complied with the terms of this Service Description
with respect to the original entry or file.

         2.6. PREPARATION OF ENTRIES AND FILES; PROCESSING SCHEDULES;
RECONSTRUCTION. Each entry and file delivered to Bank, including any amendments,
cancellations, reversals, corrections or changes related to it will be prepared
in accordance with the Rules, the Service Documentation and Bank's then current
instructions. Bank will process each entry or file in accordance with its then
current processing schedule, provided (i) the entries or files are received by
Bank's applicable cut-off time on a business day and (ii) the ACH is open for
business on that business day. Entries or files will be deemed received by Bank,
in the case of transmittal by tape, when received by Bank at the location stated
in the ACH Services Set-up Form, and in the case of transmittal by electronic
transmission, when the transmission (and compliance with any applicable security
procedure) is completed. If Bank receives an entry, file or batch release after
its processing deadline, Bank will not be responsible for failure to meet the
deadlines of the ACH operator for processing and transmitting the entries or
files. If any of the requirements of clause (i) or (ii) of this Subsection 2.6.
are not met, Bank will use reasonable efforts to transmit the entries or files
to the ACH by the next applicable deadline of the ACH which is on a business day
on which the ACH is open for business. Except as provided in Subsection 2.4, in
the case of an on-us entry, Bank will credit the receiver's account in the
amount of the entry on the Effective Entry Date contained in any instructions
accompanying the entry, provided the requirements set forth in clauses (i) and
(ii) of this Subsection 2.6 are met. If either of those requirements is not met,
Bank will use reasonable efforts to credit the receiver's account in the amount
of the entry no later than the next business day following the Effective Entry
Date. Company will retain copies of each entry and file delivered to Bank or
will be able to fully and

TM-1423 ACH Services Description - Revised 7/2002                    page 4 of 6

<PAGE>

completely reconstruct each entry and file for a period of five (5) business
days after the applicable settlement date and will submit the copy or
reconstructed entry or file to Bank upon request.

         2.7 EFFECTIVE ENTRY DATE. The instructions accompanying an entry or
file will specify a business day on which the entry or file is to be delivered
to the ACH or gateway operator (the "Effective Entry Date").

3.       PROVISIONS APPLICABLE ONLY TO RECEIVING SERVICES.

         3.1. NOTICE TO RECEIVER. Unless required by applicable law, Bank will
have no obligation to notify Company of the receipt of an entry, other than by
showing it on the periodic statement for the affected deposit account (see
Subsection 4.2).

4.       PROVISIONS APPLICABLE TO BOTH ORIGINATION AND RECEIVING SERVICES.

         4.1. RULES. Origination, receipt, return, adjustment, correction,
cancellation, amendment and transmission of ACH entries must be in accordance
with the Operating Rules of the ACH in which Bank is a participant and, with
respect to credit entries which constitute payment orders, Article 4A of the
Uniform Commercial Code as adopted in the state whose law governs the Agreement,
as both are varied by this Service Description and the other Service
Documentation, and as both are amended from time to time (the "Rules"). Company
acknowledges that it has had an opportunity to review and agrees to comply with
and be bound by the Rules. Company will be responsible for promptly obtaining
all future amendments.

         4.2. ACCOUNT. Company will maintain at least one deposit account with
Bank as designated in the ACH Services Set-up Form (the "Account").

         4.3. PROVISIONAL CREDIT. Any credit Bank gives to Company is
provisional until Bank receives final settlement and the entry for which credit
was given is deemed to be finally paid as provided in this Service Description,
the Rules and all laws, rules and regulations governing any aspect of the entry,
including the laws, rules and regulations of the country to which the entry was
sent. If Bank does not receive final settlement, it is entitled to a refund from
the credited person and Company will not be deemed to have paid that person.

         4.4. REVERSING ENTRIES. At Company's request, Bank will make a
reasonable effort to reverse an entry, but will have no responsibility for the
failure of any other person or entity to honor Company's request.

         4.5. WARRANTIES. Company acknowledges that under the Rules, Bank makes
certain warranties with respect to each entry. Company agrees to reimburse Bank
for any loss Bank incurs, including its reasonable attorneys' fees and legal
expenses, as the result of a breach of a warranty made by Bank unless the breach
resulted solely from Bank's own negligence or intentional misconduct.

         4.6. Indemnification. Company acknowledges that under the Rules, Bank
indemnifies certain persons. Company agrees to reimburse Bank for any loss Bank
incurs, including its reasonable attorneys' fees and legal expenses, as the
result of the enforcement of an indemnity, unless enforcement resulted solely
from Bank's own negligence or intentional misconduct.

         4.7. IDENTIFY AUTHORIZED PERSONS. Any person identified by Company in
the ACH Services Set-up Form or any certification, notice or other communication
delivered to Bank may receive information, communications and notices regarding
the Services, and is authorized to transact all business, make all agreements
and sign and deliver all documents in connection with the Services. If the
identity of such a person changes Company will promptly notify Bank in writing.
Bank will have a reasonable time after receipt of a certification, notice or
other communication to act on it.

         4.8. AGENTS. If Company elects to use an agent with respect to the
Services, Company, and not Bank, will be solely responsible for the acts and
omissions of Company's agent, and its agent will,

TM-1423 ACH Services Description - Revised 7/2002                    page 5 of 6

<PAGE>

without limitation, be authorized to originate, receive, return, adjust,
correct, cancel, amend and transmit entries and files, and select the security
procedure used to authenticate entries. Company agrees that any security
procedure selected by its Agent will be treated as commercially reasonable for
all purposes. Bank may rely on instructions it receives from Company's agent and
need not make any inquiries to verify or confirm that instructions are within
the scope of the agency.

         4.8.1. Company will certify each agent's identity and any changes to
Bank in writing. Bank will be fully protected in relying on each certificate and
on the obligation of Company to promptly certify any change in the agents so
certified. Bank will have a reasonable time after receipt of a certification or
change to act on it.

         4.8.2. Bank may at any time use agents and/or independent contractors
to process entries or provide all or any other portion of the Services, and will
be solely responsible for the acts and omissions of its agents and independent
contractors. However, Bank will not be deemed to be the agent of, nor
responsible for the acts or omissions of any other person, including without
limitation any Federal Reserve Bank, ACH, Internet service provider or
transmission or communications facility, any receiver or receiving depository
financial institution (including without limitation the return of an entry by
such receiver or receiving depository financial institution), and no such person
will be deemed Bank's agent.

         4.9. SOFTWARE, HARDWARE AND BACKUP REQUIREMENTS. Subject to Paragraph
1.1.3, Company will, at its own cost and expense, obtain, install and, at all
times during its utilization of the Services, maintain in good working order all
software, hardware and other equipment necessary for it to perform in accordance
with this Service Description. Except with respect to the Internet ACH Service,
Company agrees to implement, on a periodic basis not less than weekly,
backup-measures, including, among other things, copying onto a diskette(s) each
week's current data base files. With respect to the Internet ACH Service, Bank
will perform data base backup on a scheduled basis. In the event of any failure
of such software, hardware or other equipment, Company will deliver to Bank all
data which it would otherwise have provided that is necessary for Bank to
perform Bank's obligations in connection with the Services.

         4.10. SURVIVAL. Subsections 2.3, 4.3, 4.5, 4.6 and 4.10 will survive
termination of the Services.

         4.11. TERMINOLOGY. Unless specifically defined in this Service
Description, terms used in this Service Description have the meanings, if any,
provided in the Rules, as amended from time to time. As used in this Service
Description, "negligence" will mean a material failure to use that degree of
care that would be used under the same or similar circumstances by a national
banking association having substantially the same volume and type of ACH
activity and approximately the same number, size and diversity of ACH customers.

TM-1423 ACH Services Description - Revised 7/2002                    page 6 of 6

<PAGE>

                                                                           WELLS
                                                                           FARGO

                      COMMERCIAL ELECTRONIC OFFICE ("CEO")
                               SERVICE DESCRIPTION

1.       DESCRIPTION OF THE CEO SERVICE. The CEO Service will allow Company to
         enter Bank's CEO website and access those treasury management services
         offered through the CEO (each, a "Service") for which Company has
         enrolled. Company agrees to use the CEO only as provided in the Service
         Documentation (which term includes notices and information posted on
         the CEO website.) Persons entering the CEO for Company (the "Users")
         must also accept the Terms of Use for the CEO which appears on the CEO
         when a User initially logs on. Before Company may use a Service,
         Company must sign or accept the Service Documentation for that Service.

2.       SECURITY PROCEDURES.

         2.1      Unless Company requests self-administration of its access to
                  the CEO, Bank will give each User an ID code and a password to
                  be used when the User first enters the CEO.
                  (Self-administration may not be available for all services
                  offered through the CEO.) Bank will also assign a Company ID
                  code for use each time a User enters the CEO. Although the
                  Company ID code and the ID codes for each User will remain the
                  same for each entry into the CEO, the password Bank assigns to
                  each User must be changed to a new password the User selects
                  when the User first enters the CEO. Bank will not know the new
                  passwords or any subsequent passwords selected by the Users.

         2.2      If Company requests self-administration of its access to the
                  CEO, Bank will assign a Company ID code and will set up the
                  first Company administrator ("FCA") by assigning a personal ID
                  code and password to be used when the FCA first enters the
                  CEO. The FCA can then set up additional Company administrators
                  (who will have access to all Services Company receives through
                  the CEO) and administrators or Users (each of whom will have
                  access only to the specific Service(s) they are set up to
                  access.) Any Company administrator: (a) can set up additional
                  Company administrators, administrators and Users, issuing them
                  a password and a personal ID code; (b) can reset passwords for
                  all Services; and (c) shall be required to immediately disable
                  access to the CEO for any Company administrator, administrator
                  or User who ceases to be a Company administrator,
                  administrator or User. Administrators can set up additional
                  administrators and Users and reset passwords for the specific
                  Service(s) they are set up to access. The Company ID and each
                  personal ID code will remain the same for each entry into the
                  CEO, but the password assigned to each Company administrator,
                  administrator, and User must be changed to a new password they
                  select when they first enter the CEO. Bank will not know the
                  password of any Company administrator, administrator, or User
                  except the initial password assigned to the FCA. Company's
                  administrative contact with respect to the CEO will be the
                  FCA.

         2.3      If Company requests self-administration of Company's access to
                  the CEO, Bank will give the Company administrators and the
                  administrators a token card and a personal identification
                  number ("PIN"), known only by them and Bank, to use each time
                  they give personal ID codes and passwords to Company
                  administrators, administrators, and Users. Token cards and
                  PINs will be given to Users by Bank only if they have access
                  to a Service which requires a token card for access. The token
                  card generates a random and unique security code for each
                  token card every minute. The code combines with the PIN to
                  provide a unique password (the "Passcode") every minute.

         2.4      Company will be able to manage and control who in Company has
                  access to the CEO and the Services by the ID codes, passwords,
                  token cards, PINs, and Passcodes. It is Company's
                  responsibility to ensure that the ID codes, passwords, token
                  cards, PINs, and Passcodes are known to, and used only by,
                  persons who have been properly authorized by Company to access
                  the CEO and use the Services through the CEO.

TM-1426 Commercial Electronic Office Service Description (Rev. 9/02 )
                                                                     Page 1 of 3

<PAGE>

         2.5      FAILURE TO PROTECT ID CODES, PASSWORDS, TOKEN CARDS, PINS, OR
                  PASSCODES MAY ALLOW AN UNAUTHORIZED PARTY TO (1) USE THE
                  SERVICES, (2) CORRECT, CHANGE, VERIFY, OR SEND DATA USED WITH
                  THE SERVICES, (3) SEND INFORMATION AND COMMUNICATIONS TO, OR
                  RECEIVE INFORMATION AND COMMUNICATIONS FROM, BANK OR (4)
                  ACCESS COMPANY'S ELECTRONIC COMMUNICATIONS AND FINANCIAL DATA.
                  ALL ENTRIES INTO THE CEO, ALL COMMUNICATIONS SENT, AND ALL
                  USES OF THE SERVICES, THROUGH COMPANY'S ID CODES, PASSWORDS,
                  TOKEN CARDS, PINS, OR PASSCODES WILL BE DEEMED TO BE ENTRIES,
                  COMMUNICATIONS, AND USES AUTHORIZED BY COMPANY AND BE BINDING
                  UPON COMPANY. COMPANY ASSUMES THE ENTIRE RISK FOR THE
                  FRAUDULENT OR UNAUTHORIZED USE OF ALL ID CODES, PASSWORDS,
                  TOKEN CARDS, PINS, AND PASSCODES. Company acknowledges the
                  importance of developing internal procedures to limit such
                  risk, which procedures will include, at a minimum, (a) if
                  Company is not on self-administration, notifying Bank
                  immediately when any new person becomes a User or when any
                  existing User stops being a User, (b) if Company is on
                  self-administration, disabling access to the CEO immediately
                  for each Company administrator, administrator, and User who
                  stops being a Company administrator, administrator, or User,
                  and (c) not keeping, in any form or in any place, lists of ID
                  codes, passwords, PINs or Passcodes.

         2.6      Company agrees to notify Bank immediately when Company becomes
                  aware of any loss or theft of, or any unauthorized use of, any
                  ID codes, passwords, token cards, Pins, or Passcodes. Company
                  also agrees to notify Bank immediately when Company becomes
                  aware of any unauthorized entry into the CEO.

3.       FINANCIAL INFORMATION. Financial market data, quotes, news, research,
         and other financial information developed by third parties and
         transmitted to Bank (collectively, "Financial Information") will be
         available at the CEO. The posting of any Financial Information or any
         other information or data at the CEO will not be a recommendation by
         Bank that any particular Service or transaction is suitable or
         appropriate for Company or that Company should receive or in any way
         use any Service. Bank does not guarantee the accuracy, completeness,
         timeliness or correct sequencing of any Financial Information, nor is
         it in any way responsible for the actions or omissions of the third
         parties developing or transmitting Financial Information or for any
         decision made or action taken by Company in reliance upon any Financial
         Information.

4.       USE OF CERTAIN SOFTWARE TO ACCESS THE CEO. In using the CEO, Company
         will be sending financial and other data as well as electronic messages
         directly to Bank through the Internet. Company acknowledges that when
         the Internet, or any other electronic communications facilities, are
         used to transmit or receive data and messages, the data and the
         messages may be accessed by unauthorized third parties. To reduce the
         likelihood of such third party access, Company agrees to transmit and
         receive data and messages through the CEO using only software,
         including, but not limited to, browser software, or other access
         devices that support the Secure Socket Layer (SSL) protocol- or other
         protocols required by, or acceptable to, Bank, and to follow the Bank
         log-on procedures that support such protocols.

5.       DISCLAIMERS. Bank will not be Company's advisor or fiduciary with
         respect to this Agreement or any Service.

6.       LIMITATION OF LIABILITY. Bank will not be liable to Company for any
         direct or indirect damages or losses suffered or incurred by Company in
         connection with the CEO, any of the Services, any Financial
         Information, any other information or data Company receives through the
         CEO, or any failure to provide, or delay in providing, access to the
         CEO, any Service, or any Financial Information, except to the extent
         any Service Documentation specifically provides otherwise and except to
         the extent such damages or losses arise directly from the negligence or
         willful misconduct of Bank .

TM-1426 Commercial Electronic Office Service Description (Rev. 9/02 )
                                                                     Page 2 of 3
<PAGE>

7.       RESTRICTING OR TERMINATING ACCESS TO THE CEO. In addition to, and not
         in substitution for, any provision in this Agreement or any of the
         other Service Documentation, Company understands and agrees that Bank
         will not in any way be obligated to permit Users access to any
         Financial Information or the use of any Service through the CEO if (a)
         such use or access is not in accordance with any term or condition
         applicable to the Service or the CEO or to the information to be
         accessed, (b) such use or access is not permitted by any state or
         federal law or regulation, (c) Bank has reasonable cause to believe
         that such use or access may not be authorized by Company or any third
         person whose authorization Bank believes is necessary for such use or
         access, or (d) Bank has reasonable cause to deny such use or access for
         Company's protection or the protection of Bank . If any Service cannot
         be used through the CEO, Bank will make reasonable efforts for such
         Service to be used by other means. Bank shall not have liability to
         Company for any losses or damages Company may suffer or incur as a
         result of any such termination.

8.       SURVIVAL. Sections 3,6,7 and 8 will survive termination of the Service.

9.       TERMINOLOGY. Unless specifically defined in this Service Description,
         capitalized terms used in this Service Description have the meanings,
         if any, provided in the Master Agreement for Treasury Management
         Services (the "Agreement"), as amended from time to time.

TM-1426 Commercial Electronic Office Service Description (Rev. 9/02 )
                                                                     Page 3 of 3

<PAGE>

                                                                           WELLS
                                                                           FARGO

                       WIRE TRANSFER SERVICES DESCRIPTION

1.       DESCRIPTION OF THE WIRE TRANSFER SERVICES (THE "SERVICES"). The
         Services will enable Company to give instructions ("Orders") to Bank to
         (i) transfer funds by wire from the account(s) designated in the Wire
         Transfer Services Set-up Forms (the "Account"), and (ii) instruct
         another depository institution to debit an account at that institution
         and transfer the funds to Bank or debit the Account at Bank and
         transfer the funds to that institution ("Drawdown Requests"). In this
         Service Description, the term "Transfer Instruction" refers to both
         Orders and Drawdown Requests. This Service Description is in addition
         to, and not in place of, any other agreement which Company may have
         entered into with Bank regarding Wire Transfer Instructions.

2.       SECURITY PROCEDURE. Company agrees that Bank may verify that Company
         has authorized a Transfer Instruction solely in accordance with the
         Wire Transfer Services Security Procedure Agreement then in effect (the
         "Security Procedure"). The Security Procedure will not apply to
         Transfer Instructions delivered to Bank in person by Company or its
         authorized representative. The Security Procedure will not be used to
         detect erroneous Transfer Instructions. Company agrees that the
         Security Procedure it selected is commercially reasonable and is the
         Security Procedure that best meets its requirements given the size,
         type and frequency of the Transfer Instructions Company will issue to
         Bank. Company further agrees to safeguard any number, code, password,
         test key, or other identifier assigned to it from discovery by any
         unauthorized person. If Company has chosen the telephone verification
         option and the individual contacted by Bank identifies himself or
         herself as an individual designated by Company and confirms that the
         Transfer Instruction was sent to Bank by Company, Bank will be
         conclusively deemed to have complied with the telephone security
         procedure. If Company becomes aware of a breach of the Security
         Procedure, or suspects that a breach may occur, it will immediately
         notify Bank in a time and manner that gives Bank a reasonable
         opportunity to act on it.

3.       IDENTIFY AUTHORIZED PERSONS. Company will notify Bank in writing of the
         identity of each individual authorized to receive information regarding
         the Security Procedure. Company will promptly notify Bank in writing of
         any change in an authorized individual. Company's notice will be
         binding on Bank if it is received in a time and manner that gives Bank
         a reasonable opportunity to act on it. Bank will be fully protected in
         relying on Company's notices. Bank may, but will not be required to,
         electronically record any oral communication that it receives from
         Company.

4.       AUTHORIZATION TO PAY. Company authorizes and instructs Bank to pay any
         Order that complies with the Security Procedure. For each Transfer
         Instruction executed by Bank in accordance with the terms of this
         Service Description, Company authorizes Bank to debit or credit, as
         applicable, the account specified in the Transfer Instruction (and if
         no account is specified, the Account or any other account of Company at
         Bank or an affiliate) even if a debit results in an overdraft. Company
         agrees to have sufficient available funds in the account specified in
         the Transfer Instruction (and if no account is specified, the Account)
         at the time of each debit.

5.       FINALITY OF TRANSFER INSTRUCTIONS. A Transfer Instruction will be final
         and will not be subject to stop payment or recall, except that Bank
         may, at Company's request, make an effort to effect such stop payment
         or recall. In that case, Bank will incur no liability for its failure
         or inability to do so.

TM-1440 Wire Transfer Service Description                            Page 1 of 3
Revised 10/02

<PAGE>

6.       INCONSISTENCY OF NAME AND NUMBER. If a Transfer Instruction describes
         the person to receive payment inconsistently by name and account number
         (i) payment may be made on the basis of the account number even if the
         account number identifies a person different from the named person or
         (ii) Bank may in its sole discretion refuse to accept or may return the
         Transfer Instruction. If a Transfer Instruction describes a
         participating financial institution inconsistently by name and
         identification number, the identification number may be relied upon as
         the proper identification of the financial institution. If a Transfer
         Instruction identifies a nonexistent or unidentifiable person or
         account as the beneficiary or beneficiary's account, Bank may in its
         sole discretion refuse to accept or may return the Transfer
         Instruction.

7.       COMPANY'S DUTY TO EXERCISE ORDINARY CARE. Company will exercise
         ordinary care to determine whether a Transfer Instruction accepted by
         Bank was either erroneous or not authorized and to notify Bank of the
         facts within a reasonable time not exceeding fourteen (14) days after
         Company has received notification from Bank that the Transfer
         Instruction was accepted or that the Account was debited or credited
         with respect to the Transfer Instruction, whichever is earlier. Company
         will be precluded from asserting that Bank is not entitled to retain
         payment for a Transfer Instruction unless Company objects within the
         fourteen (14) day period.

8.       INFORMATION REQUESTS. Company may request the issuance of tracer
         messages concerning uncompleted transfers. Company will provide Bank
         with any transaction information it considers necessary to process
         Company's inquiry. In addition to Bank's fees for this service, Company
         will reimburse Bank for any charges it incurs from third parties in
         connection with Company's requested tracer messages.

9.       INTERNATIONAL WIRE TRANSFERS. A Transfer Instruction expressed in U.S.
         Dollars will be sent in

         U.S. Dollars. Company may request that prior to executing an Order or
         outgoing Drawdown Request, Bank converts the amount to be transferred
         from U.S. Dollars to the currency of a designated foreign government or
         intergovernmental organization ("Foreign Currency") at Bank's selling
         rate for exchange in effect on the date the Order or outgoing Drawdown
         Request is executed by Bank. If the financial institution designated to
         receive the funds does not pay the beneficiary specified in the Order
         or outgoing Drawdown Request and it is payable in Foreign Currency,
         Bank will not be liable for a sum in excess of the value of the Order
         or outgoing Drawdown Request after it has been converted from Foreign
         Currency to U.S. Dollars at Bank's buying rate for exchange at the time
         the cancellation of the Order or outgoing Drawdown Request is confirmed
         by Bank.

10.      RESPONSIBILITY OF BANK. Bank is only responsible for making a good
         faith effort to execute Company's Transfer Instructions. Transfer
         Instructions may be sent by wire, telegraph, telephone, cable l or
         whatever other transmission method Bank considers to be reasonable.
         Orders and outgoing Drawdown Requests may be transmitted directly to
         the beneficiary's financial institution, or indirectly to the
         beneficiary's financial institution through another financial
         institution, government agency or other third party that Bank considers
         to be reasonable. Bank may execute an incoming Drawdown Request that
         conforms with instructions it receives through Fed Wire, SWIFT or any
         other funds transfer system, provided such instructions are not
         inconsistent with instructions contained in an applicable Set-up Form.
         The authority to execute the incoming Drawdown Request shall continue
         until Bank receives express written notice from Company that such
         authority is revoked. Bank will not be liable for any third party's
         failure to or delay or error in processing a Transfer Instruction. If
         the beneficiary bank does not pay the beneficiary specified in the
         Transfer Instruction, a refund will be made only after Bank has
         received confirmation of the effective cancellation of the Transfer
         Instruction and Bank is in free possession of the funds debited or
         earmarked in connection with the Transfer Instruction. If

TM-1440 Wire Transfer Service Description                            Page 2 of 3
Revised 10/02

<PAGE>

         Bank is notified that it did not transfer the full amount stated in a
         Transfer Instruction, Bank's sole obligation will be to promptly
         execute a second Transfer Instruction in the amount of the stated
         deficiency. If Bank executes a Transfer Instruction in excess of the
         amount stated in the Transfer Instruction, to the extent that the
         originator does not receive the benefit of the Transfer Instruction,
         Bank will only be liable for any loss of the principal amount
         transferred in excess of the amount stated in the Transfer Instruction.
         Additionally, Bank will be liable for the amount of interest the
         originator has lost due to the transfer of the excess amount, computed
         at the then current Federal Funds rate. However, Bank's liability for
         loss of interest will be limited to twenty (20) calendar day's
         interest. This section sets forth Bank's complete liability for a
         Transfer Instruction issued or received under this Service Description.

         IN NO EVENT WILL BANK BE LIABLE FOR DAMAGES ARISING DIRECTLY OR
         INDIRECTLY IF THE TRANSFER INSTRUCTION IS EXECUTED BY BANK IN GOOD
         FAITH AND IN ACCORDANCE WITH THE TERMS OF THIS SERVICE DESCRIPTION.

         As used in the Master Agreement for Treasury Management Services (the
         "Agreement"), with respect to the Services, "negligence" means a
         material failure to use the degree of care used under similar
         circumstances by a national bank having a similar volume of funds
         transfers and similar number, size and diversity of funds transfer
         customers.

11.      GOVERNING LAW; RULES AND REGULATIONS. Bank's and Company's rights and
         obligations regarding Transfer Instructions will be governed solely by
         this Service Description and the other Service Documentation and, to
         the extent applicable, federal law and the law of the state in which
         Bank's principal office is located, as amended from time to time.
         Article 4A of the Uniform Commercial Code will, to the extent possible,
         be applied by analogy to any Drawdown Requests. All Transfer
         Instructions will also be subject to the rules and regulations of any
         funds transfer system used by Bank as amended from time to time. If a
         Transfer Instruction is to be processed in accordance with a statute,
         rule, regulation or license of the United States, or any federal
         agency, the Transfer Instruction will be governed by that statute,
         rule, regulation or license.

12.      NOTICES; RECEIPT OF CONFIRMATIONS. In addition to the notice provision
         set forth in Section 10.6 of the Agreement, the following will apply: A
         bank statement showing a Transfer Instruction sent by first class mail
         to Company's last address as shown in Bank's records and not returned
         will be conclusively presumed to have been received by Company seven
         (7) days after it is sent.

13.      AGENTS. Bank may use agents of its choice to perform any of its
         obligations.

14.      SURVIVAL. Sections 4, 7, 9, 10 and 14 will survive termination of the
         Services.

15.      TERMINOLOGY. Unless specifically defined in this Service Description,
         terms used in this Service Description have the meanings, if any,
         provided in Article 4A of the Uniform Commercial Code, as amended from
         time to time. Each Bank request, instruction and set-up form completed
         by or on behalf of Company in connection with the Services will be
         deemed to be a "Set-up Form" as that term is used in the Service
         Documentation.

TM-1440 Wire Transfer Service Description                            Page 3 of 3
Revised 10/02

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