Document:

May 22, 1998

Mr. Gerard Armond Powell, CEO
Cooperative Images Inc./Elective Investments
210 West Fourth Street Suite 101
East Stroudsburg Pa 18301

Dear Mr. Powell:

Per our conversation the following is a summation of the parameters in the
purchase of contracts from Cooperative Images Inc-/Elective Investments (CIEI)
to Boyle Leashing Technologies, Inc./Leasecomm Corporation (BLT) upon the
terms and subject to the: conditions act forth below.

The principal terms and conditions of the proposed purchase are as follows:

Seller:  Cooperative Images Inc./Elective Investments

Amount:  Approximately $1,000,000 per month with a minimum of $500,000 per
month.

Agreement Length:  Three years from closing date.

Eligible Consumer Notes:  Individual Notes must be current on sole date; BLT
mute approve all documentation and State Venue prior to purchase

Purchase Price:  Equal to the Net Present Value of the remaining stream of
Payments discounted at 18.5% (assuming 22.5% average interest rate on notes).

Holdback:  5.5% holdback to be released to Seller after individual pools of
transactions are paid.

Recourse:  2.0% additional recourse above the $.5% Holdback.

Charge Back:  Contracts will be repurchased by CIEI after 120 days past due;
Charge Back amount will be equal to remaining Account Balance Due plus
uninvoiced future payments discounted at 18.5%.

Underwriting Criteria:  Individuals must score 640 or above on 70% of the
portfolio with the remaining transactions scoring 620 and above using the Fair
Isaac or other BLT approved scoring system. BLT has right of refusal on any
transaction submitted for funding

Of note, the purchase of contracts from CIEI does not take the place of our
Business Loan Agreement dated August 5, 1997. This is a separate and distinct
agreement.

The Seller agrees to enter to a standard Dealer/Vendor Agreement and agrees to
indemnify and hold harmless BLT and its directors, officers, agents,
subsidiaries and affiliates from and against any and all damages, losses,
claims and liabilities (including attorneys' fees and expenses) to which any
such person may become subject arising out of or in connection with this
letter or the transactions contemplated hereby (whether or not such
transactions are consummated), provided that the foregoing indemnity person
try the extent its losses, claims, damages or liabilities are found by a final
judgment of a court to have resulted from the willful misconduct or gross
negligence of such indemnified person.

If the foregoing is satisfactory to you, please evidence your acceptance of
this letter by signing and returning the enclosed copy of this letter to us
not later than May 31, 1998.

Sincerely yours,                              Accepted:
                                              Cooperative images, Inc./
                                              Elective c Investments
/s/ J. Gregory Hines
J. Gregory Hines                               By: /s/ Gerard A. Powell
Vice. President                                Gerard A. Powell, CEO

Cc: FRB, RFL.

Additional Items

1) Credit line for 3 million no holdback 90% advance rate 15% interest rate.

2) Will buy 1 million additional in paper (FICO) scores 560-619 for 75% of
face value, this is one million a month in addition to the million previously
provided.

3) Will recast the portion of the old line that is left outstanding after we
well the balance to a 3rd party (extend loan by three months).

BLT Boyle Leasing Technologies.  Inc.June 10, 1998

Mr. Gerard Armond Powell, CEO
Cooperative Images Inc./Elective Investments
210 West Fourth Street Suite 101
East Stroudsburg, PA 18301

RE:   Purchase Line

Dear Mr. Powell:
Per our conversation the following is a summation of the parameters in the
purchase of contracts from Cooperative Images Inc./Elective Investments (CIEI)
to Boyle Leasing Technologies, Inc./Leasecomm Corporation (BLT) upon the terms
and subject to the conditions set forth below.

The principal terms and conditions of the proposed purchase are as follows:

Seller.  Cooperative Images Inc./Elective Investments

Amount:  A minimum of $1,000,000 of fundings per month.

Servicer:  BLT

Agreement Length:  Two years from closing date.

Eligible Consumer Notes:  Individual Notes must be current on sale date; BLT
must approve submitted procedure, all documentation and State Venue prior to
 purchase.

Purchase Price:  Equal to the Net Present Value of the remaining stream of
payments discounted at 18.5% (assuming 22.5% average interest rate on notes).

Holdback:  5.5% holdback to be released to Seller after individual pools of
transactions are paid.

Recourse:  2.0% additional recourse above the 5.5% Holdback.

Charge Back:  Contracts will be repurchased by CIEI after 120 days past due;
Charge Back amount will be equal to remaining. Account Balance Due plus
uninvoiced future payments discounted at 18.5%.

Underwriting Criteria:  Individuals must score 640 or above on 70% of the
portfolio with the remaining transactions scoring 620 and above using the Fair
Isaac or other BLT approved scoring system. Maximum terms equal to 48 months
(liposuction maximum 36 months). BLT has right of refusal on the first
$500,000 submitted for funding monthly under this criteria. In addition, BLT
may choose not to fund any transaction that does not meet BLT approval
specifications.

Additional transactions with scores below 620 may be purchased at a minimum
23% discount. Maximum terms equal to 36 months. Again, BLT has the right of
refusal on any transaction submitted for funding.

Of note, the purchase of contracts from CIEI does not take the place of our
Business Loan Agreement dated August 5, 1997. This is a separate and distinct
agreement.

The Seller agrees to enter into a standard Dealer/Vendor Agreement and agrees
to indemnify and hold harmless BLT and its directors, officers, agents,
subsidiaries and affiliates from and against any and all damages, losses,
claims and liabilities (including attorneys' fees and expenses) to which arty
such person may become subject arising out of or in connection with this
letter or the transactions contemplated hereby (whether or not such
transactions are consummated), provided that the foregoing indemnity person to
the extent its losses, claims, damages or liabilities are found by a final
judgment of a court to have resulted from the willful misconduct or gross
negligence of such indemnified person.

If the foregoing is satisfactory to you, please evidence your acceptance of
this letter by signing and returning the enclosed copy of this letter to us
not later than June 15, 1998.

Sincerely yours                              Accepted:
                                             Cooperative Images, Inc./
                                             Elective Investments
/s/ J. Gregory Hines
J.Gregory Hines                              By: /s/ Gerard A. Powell
Vice President                               Gerard A. Powell, CEO

Cc: PRB, RFLJanuary 29, 1999

Mr. Gerard Armond Powell, CEO
ThatLook.com (fka Cooperative Images Inc.)/Elective Investments Inc.
210 West Fourth Street Suite 101
East Stroudsburg, PA 18301

Dear Mr. Powell:

Per our conversation earlier this week I'd like to take the opportunity to
summarize and document the result of this discussion.

1) Purchase of transactions of a go forward basis

Leasecomm corporation will purchase contracts originated through thatlook.com
(fka Cooperative Images)/ Elective Investments (TL.COM/EI) under its' normal
credit guidelines. Leasecomm will grade applications into four groups;
P,S,T,R. We will no longer have a Holdback on any purchase and will increase
our discounts to purchase transactions as a percentage of Face Value (Loan
Balance) as follows:

P rated credit 96.5%
S rated credit 78.0%
T rated credit 68.0%
R rated credit Rejected

All other perimeters set forth in the Loan Documents entered into between
MicroFinancial Inc. (fka Boyle Leasing Technologies Inc.) and TL.COM/EI are in
full effect.

2) Loan summary

Leasecomm Corporation is in the process of un-batching the batched
transactions sent to us over the past year and a half. The essence of this
process is to better ascertain and monitor the collateral value of the pledged
assets and match the amortization of these assets with the actual cash flow
driven from these assets. It is imperative that we get timely reporting on the
performance and status of each of these transactions so we may better track
the status of each transaction on our system. This process dovetails with
Leasecomm modifying our system to handle simple interest consumer
transactions. This system will also be used to monitor purchased transactions
on a go forward basis.

3) TL.COM/EI has agreed to release to Leasecomm Corporation all
Holdback funds, from Loan and Purchase Line transactions. This does
not release TL.COM/EI from any obligation and is done in good faith to
account for the less than expected performance of the contracts
purchased or pledged to Leasecomm.

Please call with any questions.

Sincerely yours,                              Accepted:
/s/ J. Gregory Hines
J. Gregory Hines                              By: /s/ Gerard A. Powell
Vice President                                Gerard A. Powell, CEOMFI/Leasecomm and thatlook.com
                            Agreement in Principle

This agreement in principal (the "Agreement") is by and between
MicroFinancial ("MFI") and any of its involved subsidiaries or affiliates
(e.g., Leasecomm) and thatlook.com ("THAT") and any of its involved
subsidiaries or affiliates (e.g., Elective Investments). It is intended by
all parties to this Agreement that it be global in nature and redefine all
of the rights and obligations that each of the involved parties have to one
another. This Agreement is an Agreement in Principle that is subject to the
final drafting and documentation of a Definitive Agreement. All
transactions contemplated herein will be effective as of December 31, 1999,
unless an earlier date is specified in the Definitive Agreement, even
though the Definitive Agreement may be executed at a date after December 3
1, 1999.

All dollar values specified herein are stipulated values that both parties
have agreed to, and are not subject to further adjustment or change unless
otherwise noted. Further, this document may be signed in counterparts with
full effect as if both parties signed a single original.

Upon Gerard Powell, Larry Simon and/or other such THAT Board members as may
do so agreeing to put additional capital into THAT (including, for purposes
of this Agreement, capital put into THAT since December 1, 1999), MFI and
THAT agree that the following will occur simultaneously:

I .MFI takes over all billing and collection responsibility for loans
pledged against the Credit Line, and releases THAT from all further
obligations relating to these loans and the Credit Line, including
further payments of principal or interest.

2.MFI and THAT agree that the collateral shortfall on the Credit Line is
$1,873,297 (the "Shortfall").

3 .The Shortfall will be converted to Convertible Subordinated Debt ("CSD")
of $1,873,297 with the following characteristics:

Term:                 5 years from effective date of documents
Interest Rate:        5% annual rate
Interest Payments:    Made monthly, in arrears, no later than the 10th
calendar
                      day of the month immediately following.
Principal Repayment:  Balloon  payment upon maturity, if no converted or
repaid
                      previously.
Conversion Rights:    At MFI's sole option, MFI can convert any amount or all
of
                      the CSD to common equity of THAT at the rate of $ 1. 00
                      per share("Conversion Price") during the Term of the
loan.
Prepayment Rights:    THAT may prepay the CSD at any time with no penalties.
In
                      order to exercise this Prepayment Right, THAT must give
                      MFI advance notice of intent to prepay of at least 20
                      business days, during which time MFI can, at its sole
                      choosing, exercise any or all of its Conversion Rights.
Registration Rights:  See below for separate discussion.
Anti-Dilution Rights: See below for separate discussion.

MFI/THAT Agreement in Principal                                Page 1 of 4

4. THAT has an outstanding note payable ("Demand Note") to MFI, in which the
principal amount owed, plus accrued interest unpaid totals $12,805.
Gerard A. Powell, President of THAT, ("Powell") agrees to buy this
note for $12,805 from MFI paid in good funds at closing. This purchase
in no way relieves Powell of any or all personal guarantees he may have
made to MFI from time to time.

5. All remaining obligations and debts from THAT to MFI ("Other Debts") are
agreed to be as follows:

  Past due interest on Credit Line                       $255,000
  2% Recourse Provision on purchased loans               $210,923
  Recourse Provision on full-recourse purchased loans     $37,800
                                                         --------
  Total Other Debts                                      $503,723

6. The Other Debts are converted to common equity at the same rate as the
Conversion Price for the Convertible Subordinated Debt, or $1.00 per
share. These shares carry the registration rights and anti-dilution
protection as discussed below.

7. MFI is granted full piggyback registration rights it may exercise on the
shares issued in lieu of satisfaction of the Other Debts and on the
shares underlying the Convertible Subordinated Debt in the event,
without regard to when, THAT executes a substantial, underwritten
secondary offering. In this case, substantial shall mean one resulting in
net proceeds to THAT of $10 million or more ("Offering").

Further, MFI is granted priority and first position as a selling
shareholder, should such Offering occur, to the extent it owns either
shares or CSD at such time. Such priority rights are subject to the
Underwriter's agreement and ability to include such shares in the Offering.
Further, MFI's priority rights under this paragraph are limited to
receiving $2,377,020 (the total of the Shortfall and Other Debts, as
herein defined) in net proceeds from such Offering.

To the extent that the Underwriter is able and to the extent that MFI
wishes to participate further as a selling shareholder in any such
Offering, MFI is granted a priority over shares owned directly,
indirectly, beneficially or deemed to be controlled by Gerard A. Powell,
Vincent Trapasso, and/or Charlie Lynn Trapasso.

8. The shares to be issued for the Other Debts, as well as the shares
underlying the Convertible Subordinated Debt, are restricted from
resale for a period of two (2) years from the date of this Agreement.
After this period of two years has elapsed, MFI has full demand
registration rights on both sets of shares in the amount to be
determined solely by MFI, with such demands to be limited to once per
year during the remaining term of the CSD.

By point of clarification, the rights described in paragraph #7 above
take priority over the restrictions described in this paragraph #8 to
the extent that an Offering occurs prior to two years from the date of
this Agreement.

9. MfI is to be protected from dilution by stock splits or stock dividends.
MFI is granted additional dilution protection as follows:

MFI/THAT Agreement in Principal                              Page 2 of 4

     a.In the event THAT is sold to another entity or sells substantially
all of its assets at a price per share, actual or implied, lower
than the Conversion Price, as defined in Paragraph #3 above, then
the Conversion Price on both the CSD and the Other Debts shall be
retroactively adjusted downward to equal the actual or implied price
attending any such sale.

     b.To the extent THAT sells common or preferred stock, or any form of
debt carrying a conversion to common stock feature to an Insider
after March 31, 2000 wherein the price per share, actual or
implied, is less than the Conversion Price, as defined in Paragraph 93
above, then the Conversion Price shall be adjusted to equal this new,
lower figure. For purposes of this Agreement, "Insider" shall be
defined to mean Gerard A. Powell, Vincent Trapasso, Charlie Lynn Trapasso,
Saul Epstein, Richard Gwinn, Lawrence. T. Simon, any of their families and/or
any entity in which they have a direct, indirect or beneficial interest.

10. All payments, interest and principal, received from Pilot Financial
regarding the purchase and sale agreement dated _______, that THAT has
received or may receive in the future shall be immediately paid t) MFI. As of
the date of this Agreement, it is agreed that such payments to date total
$2,540.28, with such sum to be paid by THAT to MFI upon closing.

11. The purchase and sale agreement between THAT and Pilot Financial is
assigned to MFI.

12. Powell and Charlie Lynn and/or Vincent Trapasso (the "Trapassos") have
lent monies to THAT from time to time in the past. The principal and
accrued interest outstanding owed to Powell as of December 31, 1999 is
approximately $225,000, exclusive of the Demand Note purchased from
MFI, and the principal and accrued interest outstanding owed to the
Trapassos, individually or collectively, as of the same date is
approximately $25,000.

Prior to closing on the Definitive Agreement, Marvin Metzger, the THAT CFO,
will give to the parties involved in drafting the Definitive Agreement the
exact figures for inclusion therein.

Powell and the Trapassos agree to convert such monies owed to them by
THAT, including the Demand Note (valued at $12,805, including accrued
interest) that Powell is buying from MFI at closing, into equity at
closing at the rate of $1.00 per share. This equity so converted will
not carry any registration, selling shareholder (in the event of an
Offering, as previously defined) or anti-dilution rights.

13. THAT agrees that it will notify MFI within five (5) business days of any
Board of Directors meeting wherein a vote is taken, whether or not
such vote results in a formal Board Resolution, regarding actions THAT
management is directed or empowered to take regarding any
capital-related transaction. "Capital-related transaction" shall be
construed to include any form of debt, equity or hybrid combination
thereof For purposes herein, "notify" shall mean transmission to MFI
via facsimile, hard copy delivered via US Postal or other messenger
service, or electronic transmission via e-mail of the section(s) of the
Board Meeting minutes relating solely to any capital-related
transactions, and a copy of the corresponding Board Resolution if such
resolution is done.

MFI/THAT Agreement in Principal                              Page 3 of 4

Further, THAT agrees to notify MFI of any and all cash compensation, grants
or other payments totaling more than $5,000 in any given quarter made to
any of the THAT outside Board members, their families or other entities
over which such members or their families have direct or indirect control.
Such notification is to be made no later than ten(10)business days after the
close of each calendar quarter. Also, THAT will issue such a statement to MFI
on
this time schedule indicating no such payments have been made, if such has
been the case during the preceding calendar quarter.

Signed, this 29th day of December, 1999

/s/ Gerard A. Powell,                            /s/ Peter von Bleyleben
President, thatlook.com, inc.                    President, MicroFinancial,
Inc.

MFI/THAT Agreement in Principal                                     Page 4 of
4

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