Document:

SERVICE AGREEMENT
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This Service Agreement entered into this 31st day of March, 2000 by and between
Intercallnet Teleservices, Inc., a Florida Corporation with offices at 1250 E.
Hallandale Beach Blvd., Penthouse Suite, Hallandale, FL 33009, ("TELEMARKETER")
and Contact Management Solutions, Inc. with offices at 345 S. State Rd. 7,
Margate, FL 33068, (hereinafter "CLIENT"). This Agreement shall be effective as
of the date of signature of the last party to sign ("Effective Date").

TELEMARKETER agrees to conduct its marketing services on behalf of the CLIENT
and it's clients in accordance with all applicable Federal, State, and Local
laws governing advertising, marketing practice, and the transaction of business
by mail, telephone and all other forms involving the use of print or broadcast
media. These include, but are not limited to, the laws and regulations of the
United States Postal Service, Federal Communications Commission, Federal Trade
Commission and the Federal Reserve Board.

I.   PROGRAM DESCRIPTION
The Program is designed for the CLIENT's client to meet the agreed-upon
objectives. Specific tasks associated with the proposed Program to be included
within the format are outlined on Schedule "A", attached hereto. Subsequent
programs and projects shall be evidenced by schedules which schedules will be
attached to this Agreement and be deemed incorporated herein.

II.  PRICING AND SERVICES
Pricing is based on the complexity, duration, type and volume of services
required. Specific prices and compensation to be paid by the CLIENT to the
TELEMARKETER for the Program and all subsequent programs shall be included on
schedules attached hereto.

III. PAYMENT TERMS
CLIENT agrees to pay TELEMARKETER for the services performed hereunder upon
receipt of a bi-monthly invoice, net due 30 days upon receipt of such stated
invoice. CLIENT shall not be responsible for any late charges for late payments
from its clients outside of CLIENT control.

IV.  QUALITY ASSURANCE AND WARRANTIES
TELEMARKETER agrees to use its best efforts at all times to provide prompt and
efficient service. TELEMARKETER'S standard of performance will be at least that
of an industry standard, well-operated telemarketing facility.

A comprehensive system of observation and monitoring will be employed.
TELEMARKETER will provide the CLIENT or it's clients with silent remote
monitoring of phone presentations from remote locations as requested from time
to time or on Telemarketer's premises as requested by CLIENT. Quality Assurance
includes number checks, test calls and/or on-line script reviews. In the event
that third party verification is not available, TELEMARKETER agrees to listen to
100% of all sales verification recordings within 12 hours of the sale, and
before submitting the sale to CLIENT for fulfillment. All sales verifications
will comply with the guidelines outlined in the project blue print of this
agreement. Should TELEMARKETER fail to be able to accommodate this, they will
notify an appropriate party as designated by CLIENT.

TELEMARKETER represents and warrants to the CLIENT and it's clients that
TELEMARKETER has and will continue to maintain all necessary licenses, permits
or approvals required by itself or its employees in order to permit or authorize
them to perform the services called for under this Agreement in each and every
jurisdiction having authority over the services TELEMARKETER performs under this
Agreement.

<PAGE>

V. CONFIDENTIALITY
TELEMARKETER agrees that for the purposes of this Agreement all information it
receives from CLIENT in connection with this Agreement constitutes confidential
information. CLIENT shall not be required to label such information as
confidential. The parties have already executed an agreement dealing with
confidentiality.

TELEMARKETER agrees that the confidential information is the property of CLIENT
and that it will keep the confidential information in a confidential fashion and
shall not disclose the same to any third party except as may be provided
elsewhere in this Agreement. All confidential material including lists, scripts,
etc, will be returned to CLIENT at the end of the project, or earlier upon
request.

TELEMARKETER further agrees that it shall use the confidential information only
as required to perform the services it is contracted by to perform in connection
with this Agreement.

TELEMARKETER further agrees that it shall limit the dissemination of the
confidential information within its own organization to such individuals whose
duties justify their need to know such information, and then only provided that
there is a clear understanding by such individuals of their need to maintain the
confidential and proprietary nature of such information and to restrict its uses
to the purposes specified herein.

VI.  ASSIGNMENT
TELEMARKETER may not assign or otherwise transfer this Agreement or its rights
hereunder to any party without CLIENT's advance written consent, such consent
shall not be unreasonably withheld. CLIENT may assign this Agreement without the
consent of TELEMARKETER to (i) or its legal successors, (ii) any affiliate of
CLIENT (or their legal successors), (iii) in connection with a sale of
substantially all of the assets, stock sale, merger or other corporate
reorganization relating to the CLIENT (or their legal successors). CLIENT may
enter into subcontracts relating to the Services in its discretion. Any
attempted assignment in violation of this paragraph shall be null and void.
Without limiting the generality of the foregoing, this Agreement shall be
binding upon and inure to the benefit of the parties' respective successors and
assigns.

VII.  NON-SOLICITATION
During the term of each program set forth, in the applicable Schedule "A" and
for a period of one (1) year thereafter, TELEMARKETER shall not, directly or
indirectly, solicit or cause to be solicited, any person or entity specifically
identified under "Non-Solicitation" in Schedule "A". Likewise, during this
period TELEMARKETER shall not sell or market, for its own account or the account
of another, that person or entities' products or services. During the period in
which the program is in place, TELEMARKETER shall not, without prior written
consent from CLIENT, conduct marketing services for another client in the same
industry at the same facility in which TELEMARKETER is conducting the program
for CLIENT.

The provisions of this Section shall not apply in the event TELEMARKETER
terminates this Agreement as a result of a breach of this Agreement by CLIENT,
including as a result of any failure to satisfy the payment terms set forth in
Section II hereof.

VIII.  INDEMNIFICATION
1) CLIENT shall and hereby does indemnify, defend and hold TELEMARKETER harmless
against any and all claims, lawsuits, and proceedings, as well as any losses,
damages, penalties, fines, settlements, costs (including, but not limited to
attorney's fees), which may result from or arise out of CLIENT's performance
under this agreement; except to the extent that such claims, lawsuits,
proceedings, losses, damages, penalties, fines and settlements and costs result
from or arise out of an act of commission or omission by CLIENT, its agents
and/or its employees.

2) TELEMARKETER shall and hereby does indemnify, defend and hold CLIENT harmless
against any and all claims, lawsuits, and proceedings, as well as any losses,
damages, penalties, fines, settlements, costs (includ9ing, but not limited to
attorney's fees), which may result from or arise out of Telemarketer's
performance under this agreement; except to the extent that such claims,
lawsuits, proceedings, losses, damages, penalties, fines and settlements and
costs result from or arise out of an act of commission or omission by CLIENT,
its agents and/or its employees.

IX.  GOVERNING LAW
This Agreement shall be construed in all respects under the laws of the state of
FLORIDA. If any part of this Agreement shall be held to be void or
unenforceable, such part will be treated as severable, leaving valid the
remainder of this Agreement notwithstanding the part or parts found to be void
or unenforceable.

X.  ENTIRE AGREEMENT
The parties acknowledge that his Agreement is the complete and exclusive
understanding between the parties and no change or modification shall be made
except in writing.

XI.  RELATIONSHIP
Nothing contained herein shall be construed to create the relationship of
employer and employee between TELEMARKETER and CLIENT or between CLIENT and any
of Telemarketer's employees or agents. It is the express intent of the parties
hereto that TELEMARKETER is not an employee of CLIENT for any purpose, but is an
independent contractor for all purposes and in all situations. TELEMARKETER and
TELEMARKETER employees shall not represent that they are employees of CLIENT,
nor shall they in any manner hold themselves out to be employees of CLIENT,
Paradigm Direct, LLC or AT&T Wireless Services.

<PAGE>

XII.  ARBITRATION
1) Agreement - all differences between CLIENT and TELEMARKETER on which an
agreement cannot be reached will be decided by arbitration. The arbitrators will
determine the interpretation of the agreement in accordance with usual business
and insurance practices.

2) Method - three arbitrators will decide any differences. The arbitrators must
have no past or present relationship with the parties to this Agreement. One of
the arbitrators is to be appointed by CLIENT and one by TELEMARKETER and these
two will select a third. If the two arbitrators chosen by the parties are unable
to agree on a third, the choice will be left to the American Arbitration
Association (Florida Office).

3) Effect - The decision of the arbitrators will be by majority vote and no
appeal will be taken from it. The cost of the arbitration will be borne evenly
by each party unless the arbitrators decide otherwise.

XIII.  Year 2000 Compliance
TELEMARKETER warrants and represents that TELEMARKETER on which an agreement
cannot be reached will be decided by arbitration. The arbitrators will determine
the interpretation of the agreement in accordance with usual business and
insurance practices.

XIV.  TERM AND TERMINATION
The term of this Agreement shall start on the Effective Date and shall continue
until either party provides the other with 30 days written notice of
termination. In the event that TELEMARKETER does not meet the performance
expectations set forth in Schedule A and all other scheduled attached, CLIENT
reserves the right to terminate, upon seven (7) days written notice, the
Agreement.

CLIENT shall not be obligated to tender any telemarketing program to
TELEMARKETER during the term of this Agreement.

If CLIENT terminates this Agreement for any reason other than a breach by
TELEMARKETER, CLIENT shall pay to TELEMARKETER all a mounts due under this
Agreement through the effective date of such termination; or,

If CLIENT terminates this Agreement due to a breach by TELEMARKETER in the
performance of any of its duties hereunder, CLIENT shall be required to pay
TELEMARKETER only for amounts due for correctly completed services and outbound
telemarketing activity performed for CLIENT, and CLIENT may pursue any other
legal remedy.
<TABLE>
<CAPTION>

Contact Management Solutions, Inc.                            Intercallnet Teleservices, Inc.

<S>                                                           <C>
By:  /s/ Illegible                                           By:      /s/ Paul Cifaldi
     ------------------------------------------------              -----------------------------------------------

Title:      CEO                                               Title:    COO
        ---------------------------------------------                 --------------------------------------------

Date:       3/31/2000                                         Date:     3/31/2000
       ----------------------------------------------                ---------------------------------------------
</TABLE>

<PAGE>

                       Schedule "A" - Program Description
                 AT&T Outbound Customer Service and Verification

Program Description: Intercallnet Teleservices, Inc. ("ITI") will conduct
telemarketing for Contact Management Solutions, Inc. ("CMS") for marketing of
AT&T Wireless Services (the "Program"). The project blue print (the "Project
Blue Print") will be supplied by CMS on behalf of it's clients to ITI. The
program will require a second party verification. This means that a third party
verification service, supervisor, or independent person from the sales force
must read the provided verification script provided in the Project Blue Print.

Scripting: The script for the program will be included in the Project Blueprint.
The script may not be altered by ITI without prior written authorization from
CMS. If the customer declines this offer, the agent will determine whether or
not the objection is related to the rate plan, premium or other reason. From
here the agent will be able to navigate to either rate plan flex offer or a
supplemental premium offer. In addition, agents will be provided with Q&A
handouts with information to support customer questions and non-standard
rebuttals. The opening presentation may be conversational. The script may not be
altered without prior written authorization.

Calling List: CMS will provide ITI calling lists for dialing for the Program.
CMS shall perform an internal "do not call" scrub on the list provided. CMS is
responsible for scrubbing costs associated with preparing the files for calling
pursuant to client's specifications which specifications may include but may not
be limited to, existing customers, client demographics or pre-screening.

Training: Training materials shall be provided in the Project Blue Print. CMS
will provide initial onsite training of ITI personnel, which training at a
minimum consists of CMS's training of ITI's shift supervisors and ITI's training
personnel.

Volume: The Program will begin with no less than ** hours per day of calling
time and increase based on the performance standards set forth in the Project
Blue Print. ITI will provide call hour projections to CMS on a monthly basis, no
later than the last Monday of the month prior to calling.

Hours of Operations: ITI is responsible for dialing during hours which are
permitted by law. ITI may not dial during hours not permitted by law.

Order Output: Daily Hours, Rep Hours, and Disposition files will be provided by
ITI to CMS in accordance with the Project Blue Print. All such files must be
received by CMS no later than 11:00am EST the day following the calling date.

Reports: All reports in accordance with the Project Blue Print as well as daily
calling reports in the template provided via fax shall be completed in
accordance with the provision of the Project Blue Print. ITI shall provide daily
reports electronically to CMS as follows:

A)       At leads two flash reports from the calling center - the first one by
         3:00pm EST and the second one by 12:00am EST.

B)       A calling report of the previous day's calls to be received by CMS by
         10:00am EST the following day.

C)       To the extent that CMS's reporting requirements change, it will notify
         ITI in writing.

Performance Expectations and Operational Targets for Non Pre-Approved:
---------------------------------------------------------------------

     o  SPH per Rep:                    *CONFIDENTIAL TREATMENT REQUESTED*
     o  Conversation Rate:              *CONFIDENTIAL TREATMENT REQUESTED*

Pricing:  Pricing is for Non Pre-Approved on a sale basis as follows:
-------
                                      Base
Local PCS Under **         month           *CONFIDENTIAL TREATMENT REQUESTED*
Local PCS Over  **         month           *CONFIDENTIAL TREATMENT REQUESTED*

Performance Expectations and Operational Targets for Pre-Approved:
-----------------------------------------------------------------

         o  SPH per Rep:                    *CONFIDENTIAL TREATMENT REQUESTED*
         o  Conversation Rate:              *CONFIDENTIAL TREATMENT REQUESTED*

Pricing:  Pricing is for pre-approved on a per sale basis as follows:
-------
                                      Base
                                      ----
Local PCS Under **     per month            *CONFIDENTIAL TREATMENT REQUESTED*
Local PCS Over  **     per month            *CONFIDENTIAL TREATMENT REQUESTED*

Pricing: Pricing for certain test projects mutually agreed to by the parties
shall be at the rate of *CONFIDENTIAL TREATMENT REQUESTED* per hour unless
otherwise mutually agreed to by the parties.

                       *CONFIDENTIAL TREATMENT REQUESTED*

                          MATERIAL FILED SEPARATELY
<PAGE>

Incomplete Data: Any sales submitted by ITI that are returned for incomplete
data after the inability to complete or correct within 48 hours, s hall be
charged back to ITI at the rate of *CONFIDENTIAL TREATMENT REQUESTED* per sale.
Any severe errors found in the verification (WAV files) process and WAV files
not posted within the required time frame will be charged back to ITI at the
rate of *CONFIDENTIAL TREATMENT REQUESTED* per WAV file.

Incentive compensation: As incentive compensation to ITI Sales Representatives
Paradigm will pay on a per sale basis additional compensation as follows:

Local PCS Under **     per month            *CONFIDENTIAL TREATMENT REQUESTED*
Local PCS Over  **     per month            *CONFIDENTIAL TREATMENT REQUESTED*

This incentive is for the reps making the sales and not for payment for any
other aspect of the program.

Non-Solicitation:  AT&T Wireless Services and Paradigm Direct, LLC.
----------------

<TABLE>
<CAPTION>

Contact Management Solutions, Inc.                            Intercallnet Teleservices, Inc.
<S>                                                            <C>
By:   /s/ Michael Kirkovich                                   By: /s/ Paul Cifaldi
     ------------------------------------------------            -----------------------------------------------
Name:     Michael Kirkovich                                   Name:   Paul Cifaldi
Title:    CEO                                                 Title:  COO
</TABLE>

                       *CONFIDENTIAL TREATMENT REQUESTED*

                            MATERIAL FILED SEPARATELY

<PAGE>Hewlett-Packard
Product Schedule                               Financing Agreement No.   27091A
& Payment Agreement - Page 1 of 2                                     ----------

<TABLE>
<CAPTION>

<S>                                <C>
Company                            Full Legal Name:  Intercallnet Teleservices, Inc.
                                                     -------------------------------
Information:                       Street Address:  345 South State Road 7
                                                    ----------------------
                                   City:  Margate                              County:  Broward
                                          -------                                       -------
                                   State:  Florida                             Zip Code:  33068
Please use the full legal                  -------                                        -----
Name on your company               Federal Tax I.D.#:
Tax Status                         Contact:  Paul Cifaldi                      Phone:
(attach documentation                        ------------
if applicable                      [X] Taxable           [ ]  Direct Pay Permit           [ ] Tax Exempt
Sales/Use tax                      [X] Paid Upfront      [ ]  Billed Upfront (financed)   [ ] Billed with each payment
Personal property tax              [ ] Include in rate   [ ]  Bill as additional          [ ] Lessee pays directly
                                                                                          [ ] Lessee is exempt
------------------------------------------------------------------------------------------------------------------------------------

Product Location                   Street Address:  Same as Above
(if other than above)              City                                        County:
                                   State:                                      Zip Code:
Billing Address                    Street Address:  Same as Above
(if other than above)              City:                                       County:
                                   State:                                      Zip Code:
------------------------------------------------------------------------------------------------------------------------------------
The section below is to be completed by your HP Sales team.
------------------------------------------------------------------------------------------------------------------------------------

Our agreement                       [ ] Master Lease #
Includes:                           [ ] First Year Support Coverage                   [ ] Multi Year Support Coverage
The items checked are               [X] Early Buyout Schedule dated 7/20/00           [X] Addendum
incorporated and by this            [X] Financing Agreement                           [ ] ______________________
reference made a part of this       [X] Delivery & Acceptance                         [ ] ______________________
agreement

------------------------------------------------------------------------------------------------------------------------------------

The product                         Please reference the attached quotation from
Schedule:                           the Minion Group The product Schedule:
                                    Total tax to be billed upfront is *CONFIDENTIAL TREATMENT REQUESTED

Please attach Equipment             *CONFIDENTIAL TREATMENT REQUESTED*
Quote or complete this
Schedule.

------------------------------------------------------------------------------------------------------------------------------------

Lease payments                     Term              Number of Payments             Payment Frequency              Payment Amount
                                   (in months)

                                   *CONFIDENTIAL TREATMENT REQUESTED*
                                       MATERIAL FILED SEPARATELY

------------------------------------------------------------------------------------------------------------------------------------
<PAGE>

Hewlett-Packard                                               Financing Agreement No. 27091A
Product Schedule                                                              --------------------
& Payment Agreement - Page 2 of 2
------------------------------------------------------------------------------------------------------------------------------------
This Agreement                       HP Lease                   HP Installment   ________________
Is for an:                           HP Rental                  HP Easy Rent     ________________
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

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1.   Non-Cancelable: THIS AGREEMENT CANNOT BE CANCELLED OR TERMINATED EXCEPT AS
     EXPRESSLY PROVIDED FOR HEREIN.

2.   Term: The term of this Schedule and Agreement for each Product covered
     hereunder shall commence upon the date * months following the "Rent
     Commencement Date" as defined in paragraph 2 of the Financing Agreement, or
     on the expiration of any applicable renewal period. However, if Lessee has
     executed this Schedule and the Product ordered has been delivered prior to
     Lessor's execution thereof, the term of this Schedule and Agreement shall
     be effective on the date of execution by Lessee.

3.   Interest: (Applicable only to Installment sales and leases with $1.00
     buyout options) The interest to be paid under this Schedule and Payment
     Agreement is

                       *CONFIDENTIAL TREATMENT REQUESTED*

4.   Purchase, Renewal, Return Options: Provided that no event of default has
     occurred and is continuing to occur at the end of the initial
     non-cancelable lease term or subsequent renewal term, Lessee shall have the
     option to exercise the following options by providing Lessor with at least
     sixty (60) days prior written notice of its intent to:

     (i)  Purchase all or some of the Product covered by this Agreement for:

(CHECK ONE)
-----------

[ ]  The then fair market value of each Product to be purchased. Lessor will
     advise applicalbe Fair Market Value for each Product to be purchased

                                       OR

[ ]  One Dollar ($.00) for each Product (available only for State and Local
     Government Leases or with special approval);

                                       OR

[ ]  fixed Purchase Option of 0.00% of the original amount to finance of the
     Product to be purchased (less discounts if applicable) plus any accrued
     late charges and taxes applicable to gthe transfer of this Product.

     (ii) Except for HP ChannelRent and EasyRent, renew all or some of the
          Equipment covered by this Agreement for all additional non-cancellable
          period of twelve (12) months for the:

        Net Price of Equipment to be Renewed             X        Original
       --------------------------------------                     --------
           Total Net Price of Equipment                          Monthly x75%
                                                                  Payment

     (iii) renew all or some of the Product covered by this Agreement on a
          month-to-month basis for the:

        Net Price of Equipment to be Renewed             X        Original
       --------------------------------------                     --------
           Total Net Price of Equipment                            Monthly
                                                                   Payment

     (iv) return in accordance with the referenced Financing Agreement any
          Product covered by this Schedule that is not purchased or renewed.

If Lessee fails to notify Lessor of its intentions at least 60 (60) days prior
to the expiration of this Schedule, it is agreed that Lessee shall renew all of
the Product covered hereunder hereunder in accordance with option (iii) above.

During the renewal period, Lessee may purchase all or some of the Product
covered hereunder for the price computed in accordance with option (i) above by
providing Lessor with sixty (60) days prior written notice.

If Lessee has selected a fixed-price purchase option, during the renewal period,
such purchase option shall be re-determined based on the total lease term.

IF LESSEE EXERCISES ITS OPTION TO PURCHASE THE PRODUCT, IT IS SOLD IN IT'S THEN
`AS IS' CONDITION AT ITS LOCATION

5.   Early Buyout Option: At its option beginning with the fourth (4th) month
     following the Rent Commencement Date, Lessee may purchase all of the
     Product in its then "as is" condition at its location when the option is
     exercised. Except for lease with Fair Market Value purchase options, the
     purchase price shall be determined from the referenced Early Buyout
     Schedule. The early buyout purchase price for leases with Fair Market Value
     purchase options shall be such that Lessor's projected yield from the lease
     shall be preserved.

6.   Product Upgrade/Add-On: At its option but subject to Lessor's prior
     consent, Lessee may enhance or upgrade those items covered under this
     Schedule by leasing additional or upgrade Product on a then currently
     marketed Lessor upgrade program. Such additional or upgrade equipment shall
     be scheduled on a new Product Schedule and Payment Agreement.

7.   Upgrade Credit: If this Schedule reflects an upgrade credit for Product to
     be returned by Lessee, Lessee agrees to return such Equipment within thirty
     (30) days of delivery and acceptance of the new Product acquired hereunder
     to Lessor's remarketing facility.

<PAGE>

By execution hereof, the signer certifies that s/he has read this agreement and
that s/he is duly authorized to execute this agreement on behalf of Lessee.

8.   Financing Statement: Lessee hereby nominates and appoints Lessor as its
     attorney-in-fact for the sole purpose of executing on Lessee's behalf
     financing statements (and any appropriate amendments thereto) under the
     provision the Uniform Commercial Code for protective purposes.

Lesssor:  Hewlett-Packard Company

By:
   ----------------------------------------------------------------------------
                             Authorized Signature
Name:
       -------------------------------------------------------------------------
Title:                                 Date:
        ----------------------------        ------------------------------------

 Lessee:  Intercallnet Teleservices, Inc.

By: /s/ Paul Cifaldi
   ----------------------------------------------------------------------------
                             Authorized Signature
Name:    Paul Cifaldi
       -------------------------------------------------------------------------
Title:      COO                        Date:     8/2/2000
        ----------------------------        ------------------------------------

 (second lessee authorization, if needed:

By:
   ----------------------------------------------------------------------------
                             Authorized Signature
Name:
       -------------------------------------------------------------------------
Title:                                 Date:
        ----------------------------        ------------------------------------

<PAGE>
Hewlett-Packard
CERTIFICATE OF DELIVERY & ACCEPTANCE           Financing Agreement No.   27091A

--------------------------------------------------------------------------------

         The Undersigned Lessee hereby certifies as follows:

     (i)   that all Product described in the referenced Financing Agreement
           provided

                    by    The Minion Group                       ("Vendor"
                          -----------------------------------------
                    has been delivered to and has been received by the Lessee;

     (ii)  that all installation, if applicable, or other work necessary prior
           to the use of the Product, as mutually agreed upon, has been
           completed;

     (iii) that the Product ahs been examined by Lessee and is in good operating
           order and condition; and

     (iv)  the Product is accepted by the Lessee under the Financing Agreement.

In the event the Product fails to perform as expected or represented, Lessee
will honor the Financing Agreement and continue to remit scheduled payments.
Lessee will look solely to Vendor for the performance of all covenants and
warranties. By execution hereof, the signer certifies that s/he has read this
Certificate and that s/he is duly authorized to execute this Certificate on
behalf of Lessee.

                         Lessee:  Intercallnet Teleservices, Inc.

                 By:    /s/ Paul Cifaldi
                      --------------------------------------------------------
                                  Authorized Signature

                 Name:     Paul Cifaldi
                        ------------------------------------------------------
                 Title:    COO                         Date:   8/21/2000
                         ---------------------------          -----------------

--------------------------------------------------------------------------------

This Certificate of Delivery and Acceptance must be signed by Lessee and
received by Lessor prior to payment of Vendor's invoice. Do not sign this
certificate until all of the product has been delivered, installed and accepted.

<PAGE>

Hewlett-Packard
Financing Agreement Page 1 of 2                Financing Agreement No.
                                                                      ----------

Lessor herby agrees to finance for Lessee and Lessee hereby agrees to finance
with Lessor, subject to the terms of this Financing Agreement ("Agreement"), the
personal property together with all attachments, replacements, parts,
substitutions, additions, software licenses, repairs, support, consulting, and
accessories incorporated/affixed, whether or not provided by Hewlett-Packard
("Product") described in any Lessor Proeuct Schedule ("Schedule") executed by
the parties pursuant to this Agreement.
--------------------------------------------------------------------------------

1.   Non-Cancelable
This Agreement shall be effective as of the date of execution by both parties.
THIS AGREEMENT AND ANY SCHEDULES EXECUTED HEREUNDER CANNOT BE CANCELLED OR
TERMINATED EXCEPT AS EXPRESSLY PROVIDED HEREIN.

2.   Rent; Acceptance of Product
Lessee shall pay to Lessor for use of the Product during the initial and any
renewal term of any Schedule, the payment amount specified on said Schedule
("Rent"). Lessee's acceptance will be presumed unless Lessee demonstrates within
14 days after delivery that the Product is not acceptable. Lessor reserves the
right to charge interest on any balance which exceeds 30 days past due. Rent
shall begin to accrue upon delivery and acceptance of Product ("Rent
Commencement Date"). Rent shall accrue whether or not Lessee has received notice
that such payment is due.

3.   Taxes; Insurance
Lessee agrees to pay Lessor, when due, all license fees, assessments, sales,
use, personal property, excise, and other taxes except for taxes based on
Lessor's income, now or hereafter imposed on the Product or the possession,
operation or use thereof. Lessee shall obtain and maintain liability insurance
and insurance against loss or damage to the Product. Upon request, Lessee shall
furnish to Lessor a Certificate of Insurance or other evidence of insurance
coverage.

4.   Loss or Damage
Lessee shall bear the entire risk of loss or damage to the Product from any
cause whatsoever from the date of delivery until it is returned and received by
Lessor. Lessee shall promptly notify Lessor of any loss or damage. No loss or
damage shall relieve Lessee of the obligation to pay Rent or perform any other
obligation hereunder. In theevent of loss or damage, Lessee, at Lessor's option,
shall either place the Product in good condition and repair or pay Lessor the
buyout option pricew set out in the applicable Schedule.

5.   Intellectual
Property Rights Unless otherwise stated in writing by Lessor, Lessor copyrighted
material (software and printed documentation) may not be copied except for
archival purposes, to replace a defective copy or for program error
verification. If Lessor's software license is included in Product, then Lessor's
standard software terms shall apply. Lessor will defend or settle any claim
against Lessee that an HP Product or Support delivered under this Agreement
infringes a patent, utility model, industrial design, copyright, mask work or
trademark in the country where Lessee uses the HP Product or receives Support,
provided Lessee: (i) promptly notifies Lessor in writing of the claim; and (ii)
cooperates with Lessor in, and grants Lessor sole authority to control the
defense and any related settlement. Lessor will pay the cost of such defense and
settlement and any costs and damages finally awarded by a court against Lessee.
If such a claim is made, Lessor may procure the right for Lessee to continue
using the HP Product, may modify the Product or replace it. If use of the HP
Product is enjoined by a court and Lessor determines that none of these
alternatives is reasonably available, Lessor will take back the HP Product and
refund its depreciated value if a purchase option has been exercised. Lessor has
no obligation fore any claim of infringement arising from: (i) Lessor's
compliance with any designs, specifications or instructions of Lessee; (ii)
modification of the HP Product by Lessee or a third party; (iii) use of the HP
Product in a way not specified by Lessor; or (iv) use of the HP Product with
Non-HP products not supplied by Lessor. These terms state the entire liability
of Lessor for claims of infringement.

<PAGE>

6.   Identification; Personal Property
If Lessee is in compliance with the terms of this Agrement and applicable
Schedules, Lessee shall have quiet enjoyment of the Product. No other right,
title or interest shall pass to Lessee. Lessor, at its own expense, may require
markings to be affixed to or placed on the Product to give notice of Lessor's
ownership thereof. Both parties hereby confirm their intent that the Product
shall always remain and be deemed personal property even though said Product may
hereafter become attached or affixed to real property.

7.   Use; Relocation; Assignment
Lessee will operate the Product in accordance with manufacturer's manuals and
instructions, by competent and duly qualified personnel only, in accordance with
applicable governmental regulations, if any, and for business, medical,
scientific, or commercial purposes only, and not for personal use. Lessee agrees
not to sell, assign, sublet, hypothecate or otherwise encumber or suffer a lien
upon or against any interest in this Agreement, any Schedule hereunder, or the
Product. Lessee agrees not to alter the Product or remove the Product from its
original location without Lessor's prior written consent. Relocation by Lessor's
support personnel shall not constitute Lessor's consent.

8.   Support; Repairs
Assignmentf Lessee finances Support provided by Lessor the term of the financed
support is non-cancellable. Lessee acknowledges that the finance period and
Support period may not correspond. If no order for Support is made, Lessee, at
its own costs and expense, shall keep the Product in good repair, condition and
working order.

9. Warranty
For HP Product, Lessee shall have the benefit of applicable manufacturer's
warranties which are normally furnished to purchasers of identical product
manufactured by HP. THIS WARRANTY IS EXCLUSIVE AND NO OTHER WARRANTY, WHETHER
WRITTEN OR ORAL, IS EXPRESSED OR IMPLIED. LESSOR SPECIFICALLY DISCLAIMS THE
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

10.  Non-HP Product, Non-HP Vendor
Lessee acknowledges that it has selected the Vendor and Product supplied by
Vendor. LESSOR MAKES NO WARRANTY, EXPRESS OR IMPLIED WHATSOEVER WITH RESPECT TO
VENDOR'S PRODUCT, AND AS TO LESSOR, LESSEE ACQUIRES THE PRODUCT "AS IS". If
Vendor's Product is unsatisfactory for any reason, Lessee shall make any claim
on account thereof solely against Vendor and shall, nevertheless, pa Lessor all
payments due under the Agreement. It is Lessee's sole responsibility to acquire
updates or other necessary documentation to Vendor's Product. If Lessee should
forfeit any rights granted to Lessee, or if Vendor terminates any rights granted
to Lessee, payment shall continue uninterrupted to Lessor. Lessee agrees that it
will not assert any defenses, deduction, abatement, counterclaim or set-off
against Lessor. Lessee understands and agrees that neither Vendor nor any
employee, agent, or representative of Vendor is an agent of Lessor. No agent of
Vendor Is authorized to waive or alter any terms or conditions of this
Agreement, and no representations as to the vendor's Product or any other matter
by Vendor shall in any way affect Lessee's obligations under this Agreement/

<PAGE>

11.  Return of Product

Upon expiration or termination, Lessee, at its own risk and expense, shall have
the product packed for shipment in accordance with manufacturer's specifications
and shall immediately return the Product to Lessor in the same condition as when
delivered, ordinary wear and tear excepted, freight prepaid and insured, to
Lessor's remarketing facility.

12.  Limitation of Liability
Lessor will be liable for damage to tangible property per incident up to the
greater of $300,00 or the actual charges paid to Lessor for the Product that is
the subject of the claim, and for damages for bodily injury or death, to the
extent that all such damages are determined by a court of competent jurisdiction
to have been directly caused by a defective Product financed hereunder. Lessor
will not be liable for performance delays or for non-performance, due to causes
beyond its reasonable control. For any material breach of Support services by
HP, Lessee's remedy and Lessor's liability will be limited to a refund of the
related Support charges paid during the period of breach, up to a maximum of 12
months. THE REMEDIES PROVIDED HERIN ARE LESSEEE'S SOLE AND EXCLUSIVE REMEDIES.
IN NO EVENT SHALL LESSOR BE LIABLE FOR LOSSOF DATA OR FOR DIRECT, INDIRECT
SPECIAL, INCICETAL, CONSEQUENTIAL (INCLUDING LOST PROFIT), OR OTHER DAMAGE
WHETHER BASED IN CONTRACT, TORT OR ANY OTHER LEGAL THEORY.

13.  Events of Default: Remedies
If Lessee fails to pay Rent when due and fails to cure such breach within ten
(10) days of notice of same, or in the event of any other breach of this
Agreement, any Schedule hereunder, or any other Agreement between the parties
hereto, or if any credit or other information submitted to Lessor is false or
misleading in any material respect, or in the event of any act of insolvency or
bankruptcy by or against Lessee, Lessor may, at its option, exercise any one or
more of the following remedies: (i) declare all sums due and to become due as
immediately due and payable; (ii) enter upon the premises where the Product is
located and take immediate possession of and remove the same; (iii) sell any or
all of the Product at public or private sale or otherwise dispose of, hold, use
or lease to others said Product; (iv) exercise any other right or remedy which
may be available to Lessor under applicable law, including the right to recover
damages for the breach hereof.. No remedy referred to herein is intended to be
exclusive but each shall be cumulative and in addition to any of the remedies
referred to above or otherwise available to Lessor at law or in equity. No
express or implied waiver by Lessor of any other default or a waiver of any of
Lessor's rights. If any action is brought by either party to enforce this
Agreement or to protect its interest in the product, the losing party agrees to
pay the costs thereof including reasonable attorneys' fees and other costs of
collection.

14.  Governing Law
This Agreement shall be governed by and construed in accordance with the laws of
the State of California. Nothing herein shall be deemed to preclude or prevent
Lessor from bringing any action or claim to enforce the provisions of this
Agreement in any appropriate state or forum.

15.  Financing Statements
Lessee hereby grants and Lessor reserves a Purchase Money Security Interest in
the product financed hereunder and any proceeds thereof. Lessee hereby nominates
and appoints Lessor as its attorney-in-fact for the sole purpose of executing on
Lessee's behalf financing statements (and any appropriate amendments thereto)
under the provisions of the Uniform commercial code for protective purposes,
related to this Agreement and any Schedule hereunder.

16.  Miscellaneous

     (a)  This Agreement, together with any Schedules hereunder, and any
          referenced addenda, exhibits or attachments shall constitute the
          entire understanding between the parties and supersedes any previous
          communications, representations, or agreements, whether oral or
          written; (b) any notice or demands made hereunder shall be in writing
          and by regular mail or facsimile; (c) No change or modification of any
          term or condition hereof shall be valid unless made in writing and
          signed by an authorized representative of each party; (d) Any
          provision of this Agreement which is unenforceable in any jurisdiction
          shall as to that jurisdiction only be ineffective to the extent of
          such unenforceability without invalidating the remaining provisions
          hereof.

By execution hereof, the signer on behalf of Lessee hereby certifies that s/he
has read this Agreement and the referenced Exhibits, and that s/he is duly
authorized by Lessee to execute this Agreement.
<TABLE>
<CAPTION>

Lessor: Hewlett-Packard Company                                      Lessee:  Intercallnet
Teleservices, Inc.

<S>                                                           <C>
By                                                            By  /s/ Paul Cifaldi
----------------------------------                            ----------------------------------
      Authorized signature                                             Authorized signature

Name                                                          Name    Paul Cifaldi
------------------------------                                ----------------------------------

Title                      Date                                Title   COO                Date 8/21/2000
------------------------   -----------------                   ------------------------   --------------
</TABLE>

<PAGE>

<TABLE>
<CAPTION>

Customer:             Intercallnet Teleservices, Inc.         TODAY'S DATE:         20-Jul-00
AGREEMENT NUMBER:     27091A                                  PAYMENTS ARE IN ADVANCE
CONTRACT TYPE:        4020 - Installment                      PPT NOT INCLUDED IN RATE

Periodic Rate Factor:                     0.000%                    of the balance to finance each period beginning in month   1
Periodic Rate Factor:                        *                      of the balance to finance each period beginning in month   7

-----------------------------------------------------------------------------------------------------------------------------------
<S>                                                      <C>                                                                   <C>
Buyout is            n/a            after month          1         Buyout is           n/a                 after month         2
Buyout is             *             after month          3         Buyout is            *                  after month         4
Buyout is             *             after month          5         Buyout is            *                  after month         6
Buyout is             *             after month          7         Buyout is            *                  after month         8
Buyout is             *             after month          9         Buyout is            *                  after month         10
Buyout is             *             after month         11         Buyout is            *                  after month         12
-----------------------------------------------------------------------------------------------------------------------------------
Buyout is             *             after month         13         Buyout is            *                  after month         14
Buyout is             *             after month         15         Buyout is            *                  after month         16
Buyout is             *             after month         17         Buyout is            *                  after month         18
Buyout is             *             after month         19         Buyout is            *                  after month         20
Buyout is             *             after month         21         Buyout is            *                  after month         22
Buyout is             *             after month         23         Buyout is            *                  after month         24
-----------------------------------------------------------------------------------------------------------------------------------

                                                           *CONFIDENTIAL TREATMENT REQUESTED*
                                                               MATERIAL FILED SEPARATELY

-----------------------------------------------------------------------------------------------------------------------------------

-----------------------------------------------------------------------------------------------------------------------------------

-----------------------------------------------------------------------------------------------------------------------------------

-----------------------------------------------------------------------------------------------------------------------------------
</TABLE>

THE ABOVE BUYOUT PERCENTAGES ARE PREDICATED UPON THE FOLLOWING ASSUMPTIONS:

     o    That all rents due are current. The buyout percentage does not include
          open invoices.

     o    That no event of default has occurred and is continuing at the time
          the buyout is quoted.

     o    The above percentage apply to the amount financed only and do not
          include applicable taxes (if any).

     o    The above percentages include Personal Property Tax Recapture (if
          applicable) and a processing fee.
<PAGE>

           Hewlett-Packard and Intercallnet Teleservices, Inc.
                  Customer Reference Program Agreement

            For: Intercallnet Teleservices a/k/a Help Me Now   Project/Solution
                    ----------------------------------------

The communication options listed below vary in the degree of your participation.
For example, choosing to participate in an industry analyst phone interview
requires a short phone conversation for information on project. Of course, any
of the options you choose to participate in will be carefully coordinated by HP
and based on your pre-set conditions such as you availability or confidentiality
of certain details.

Please initial those options in which you agree to participate, and indicate
your conditions if any. We will inform you of any applicable customer reference
opportunities. This is not a binding contractual agreement, but a statement of
your interest to participate in one or more of the program activities listed.
You and your company maintain the right to accept or decline any request and opt
out of the program at any time.
<TABLE>
<CAPTION>

              <S>                    <C>                  <C>                                                             <C>
              ---------------------------------------------------------------------------------------------------------------------
              Your                   Communication                            Format/End Result                           Comments
              Approval                  Options
              ---------------------------------------------------------------------------------------------------------------------
               PC                   HP Internal          Reference of your organization and sales process in an
                                    Documents            article for internal use only via HP's internal web site.
              ---------------------------------------------------------------------------------------------------------------------
               PC                   HP                   Reference of your organization name only
                                    Client List          on a slide or a list for internal & external
                                                         use by HP.
              ---------------------------------------------------------------------------------------------------------------------
               PC                   Why HP?              Be willing to discuss why you chose HP over others.
              ---------------------------------------------------------------------------------------------------------------------
               PC                    Success Story       1-4 overhead slides used primarily in customer
                                    Presentation Slide   presentations.  States organization, industry challenge,
                                                         solution, and results.
              ---------------------------------------------------------------------------------------------------------------------
               PC                   Case Study           2 to 8-page case study with above plus photos,
                                                         logo, and schematics.  (May or may not be printed.)
              ---------------------------------------------------------------------------------------------------------------------
               PC                   Internet Access      Allow pre-approved deliverable to be accessible to users
                                                         of the Internet, via the HP's Home Page(http://www.hp.com)
              ---------------------------------------------------------------------------------------------------------------------
               PC                   Quotations           Pre-approved quotes placed in articles or other literature.
              ---------------------------------------------------------------------------------------------------------------------
               PC                   Audioconference      30 min. - 1 hr. dial-in or web cast audioconference
                                                         describing project and Q&A.
              ---------------------------------------------------------------------------------------------------------------------
               PC                   E-mail response      Respond within 30 days to questions regarding
                                                         your project and HP experience sent via
                                                         e-mail/Internet.
              ---------------------------------------------------------------------------------------------------------------------
               PC                   Reference telephone  Executive customers evaluating HP solutions would contact
                                         Calls           you for more information about the project by telephone
              ---------------------------------------------------------------------------------------------------------------------
               PC                   Reference site visit Executive customers evaluating HP solutions would be
                                                         visiting your site.
              ---------------------------------------------------------------------------------------------------------------------
               PC                   Industry Analyst     Interview with key industry analyst(s) evaluating HP
                                      Activities         solutions which could result in a report written with some
                                                         reference to your conversation
              ---------------------------------------------------------------------------------------------------------------------
               PC                   Press Relations      HP to work with the customer to develop a plan to
                                      Activities         publicize the story in key business or trade publication(s)
              ---------------------------------------------------------------------------------------------------------------------
               PC                      Speaking          Your involvement consists of giving a presentation at
                                      Engagement         industry conferences, trade shows or seminars.
              ---------------------------------------------------------------------------------------------------------------------
               PC                   Video interview      A camera crew and interviewer would visit your site, interview
                                                         your spokesperson, and possibly capture footage of your
                                                         business in action.
              ---------------------------------------------------------------------------------------------------------------------
               PC                     Reference         Printed ad about HP solutions wit a quote, photo, and/or
                                     Advertisement       your company name endorsement
              ---------------------------------------------------------------------------------------------------------------------
</TABLE>

I, the undersigned, have full authority to execute this release on behalf of
myself and of (insert customer name). I hereby agree to participate in the
Hewlett- Packard Customer Reference Program.

Signature:  /s/ Paul Cifaldi                       Date:  8/2/2000
           ------------------------------------          --------------------

Print Name   Title: Paul Cifaldi, COO       E-mail: intercallnet@mindspring.com
           -------------------------------          ---------------------------

Mailing Address:  345 S. State Road 7, Margate, FL
                 ---------------------------------------------------------------

 Phone:  954-935-0821           Fax: 954-935-0824
       ----------------------        ----------------

<PAGE>

               Hewlett-Packard and Intercallnet Teleservices, Inc.

Customer Reference Program Agreement
For: _______________________Project/Solution

          Please Choose the level in which you agree to participate, and
indicate your conditions if any.

<TABLE>
<CAPTION>

<S>               <C>                                     <C>             <C>             <C>
---------------------------------------------------------------------------------------------------
                 Communication Option                     Bronze          Silver           Gold
---------------------------------------------------------------------------------------------------
     1                Hp Internal documents                 X                X              X
---------------------------------------------------------------------------------------------------
     2                   Hp client list                     X                X              X
---------------------------------------------------------------------------------------------------
     3                       Why HP                         X                X              X
---------------------------------------------------------------------------------------------------
     4          Success story presentation slide            X                X              X
---------------------------------------------------------------------------------------------------
     5                     Case study                       X                X              X
---------------------------------------------------------------------------------------------------
     6                   Internet access                    X                X              X
---------------------------------------------------------------------------------------------------
     7                  Audio conference                    X                X              X
---------------------------------------------------------------------------------------------------
     8            E-mailed replies to inquiries             X                X              X
---------------------------------------------------------------------------------------------------
     9              Reference telephone calls                                X              X
---------------------------------------------------------------------------------------------------
    10                Reference site visit                                   X              X
---------------------------------------------------------------------------------------------------
    11             Industry Analyst activities                               X              X
---------------------------------------------------------------------------------------------------
    12             Press Relations activities                                X              X
---------------------------------------------------------------------------------------------------
    14                 Speaking engagement                                                  X
---------------------------------------------------------------------------------------------------
    15           Video interview Video interview                                            X
---------------------------------------------------------------------------------------------------
    16               Reference Advertisement                                                X
---------------------------------------------------------------------------------------------------
    17                  Other testimonial                                                   X
---------------------------------------------------------------------------------------------------

---------------------------------------------------------------------------------------------------
</TABLE>

The level I am willing to participate in is: __ Bronze, ___ Silver, ____ Gold.

Signature:  /s/ Paul Cifaldi                       Date:  8/2/2000
           ------------------------------------          --------------------

Print Name   Title: Paul Cifaldi, COO       E-mail: intercallnet@mindspring.com
           -------------------------------          ---------------------------

Mailing Address: ________________________________________________________

________________________ Phone: ____________________ Fax: __________________

Please FAX this form to: Karen R. Smith at + 1 (408) 447-1630 (Voice: 447-5270)

<PAGE>

                                  PRODUCT LIST

                      * CONFIDENTIAL TREATMENT REQUESTED*

                           MATERIAL FILED SEPARATELY

                                8 PAGES OMITTED

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