Document:

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                                                                   EXHIBIT 10.12

                               ALLIANCE AGREEMENT

This Alliance Agreement (the "Agreement"), effective as of the 1st day of June,
2000 (the "Effective Date"), is entered into by and between Solutions America,
Inc. ("Solutions"), a Delaware Corporation, with its principal place of business
at 600 Corporate Pointe, 12th Floor, Culver City, California 90230 and Nexxus
Holdings Ltd. ("Nexxus"), a Bahamian Company with its principal place of
business at Centreville House, 3rd Floor, Collins Avenue, P.O. Box CB 12724,
Nassau, The Bahamas.

WHEREAS, Solutions provides consulting, software development and total
e-commerce payment solutions including transaction processing services, web site
design, data base development, marketing and financial services to banks,
corporations and merchants conducting E-commerce transactions over the Internet;

WHEREAS, Nexxus provides a full range of financial services, including private
label credit and debit cards, to its clients including those engaged in
E-commerce and as a part of such services desires to provide technical
consulting services, transaction processing services and payment solutions
(including the establishment of merchant accounts) to its clients.

NOW THEREFORE, in consideration of the mutual covenants and premises set forth
below, the Parties agree as follows:

1.    Definitions

      1.1   "Affiliate" shall mean with respect to any person (which for
            purposes of this definition shall include individual and all legal
            entities), any other person directly or indirectly controlling,
            controlled by, or under common control with such person. For
            purposes of this definition, "control" shall mean the power to
            direct or cause the direction of the management and policies of such
            person whether through the ownership of voting interests, by
            contract or otherwise.

      1.2   "Company Information" means collectively the Confidential
            Information and Trade Secrets. Company Information also includes
            information which has been disclosed to the disclosing Party by a
            third party, and that the disclosing Party is obligated to treat as
            confidential or secret.

      1.3   "Confidential Information" means any and all information related to
            the services and/or business of a Party that does not constitute a
            Trade Secret and that is treated as confidential or secret by the
            Party (that is, it is the subject of efforts by the disclosing Party
            that are reasonable under the circumstances to maintain its secrecy)
            including, but not limited to, the terms and conditions of this
            Agreement. Confidential Information shall not include information
            (a) already lawfully known to or independently developed by the
            receiving Party,

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            (b) disclosed in published materials, (c) generally known to the
            public, or (d) lawfully obtained from any third party without any
            obligation of confidentiality.

      1.4   "Joint Merchant" shall mean any entity with whom a contract for
            services is entered into by either Party following an introduction,
            referral or contracting relationship by the other Party.

      1.5   "Party" shall mean Solutions or Nexxus.

2.    Referral and Marketing Services

      2.1   Subject to the terms of this Agreement, each Party hereby grants to
            the other a nonexclusive right to market and refer the services
            provided by the respective Party and such other services as the
            Parties may subsequently agree upon (collectively, the "Services")
            via any means that may be determined by each Party. Provided,
            however, that in the event either Party desires to use the name or
            logo of the other in any printed material for advertising or
            promotion purposes, such material will be submitted to the other for
            prior approval.

      2.2   Each Party shall be solely responsible for all the costs and
            expenses incurred for their marketing activities.

      2.3   Solutions and Nexxus shall work together in good faith to develop a
            joint marketing plan as well as in the implementation and
            performance of each service provided under this Agreement.

3.    Revenue Sharing

      3.1   Solutions and Nexxus will work together to establish the pricing for
            such services as may be provided to each prospective Joint Merchant.

      3.2   Each Party shall establish a service fee (the "Service Fee") which
            will be based on and relative to direct fees and charges paid by
            that Party to third parties, including but not limited to, banks,
            card associations, card processors, independent service providers,
            agents and independent sales organizations (the "Bank/ISO Costs").
            Each Party's Service Fee shall be the base rate to be offered to
            prospective Joint Merchants for services rendered by that Party. The
            difference between each Party's Service Fee and Bank/ISO Costs (the
            "Net Profit") shall be shared between the Parties, with the Party
            referring the client to the other Party (the "Referring Party")
            receiving twenty five (25%) percent of the Net Profit.

      3.3   The Service Fee, Bank/ISO Costs and Net Profit for Solutions shall
            be computed in accordance with Schedule A. The Service Fee, Bank/ISO
            Costs and Net Profit for Nexxus shall be computed in accordance with
            Schedule B.

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      3.4   Service Fees may be adjusted from time to time based on Bank/ISO
            Costs incurred and also on the unique circumstances and attributes
            of each Joint Merchant.

      3.5   Each Party will report monthly to the other all such transaction
            which may be subject to this Agreement, including full disclosure of
            Bank/ISO Costs incurred.

4.    Intellectual Property Rights

      4.1   Solutions owns or otherwise controls all rights, title and interest
            in and to the services it provides, and all patents, trademarks,
            copyrights, trade secrets, promotional materials and endorsements
            that may be developed, used or licensed to Nexxus in connection with
            Solutions' services, that may be subject to the referral and
            marketing rights granted to Nexxus hereunder;

      4.2   Neither the granting of the rights and privileges granted hereunder
            or the exercise thereof by Nexxus in accordance with the terms of
            this Agreement will infringe or otherwise violate the proprietary
            rights of any person or entity under any patent, trademark,
            copyright, trade secret or otherwise.

5.    Provider of Choice

      5.1   Nexxus agrees to make Solutions its provider of choice for all
            E-commerce transaction processing and related services that may be
            required for its new clients that meet or exceed the business
            requirements that may be imposed from time to time by Solutions for
            their acceptance of such clients. Nexxus agrees to use its best
            efforts to introduce each such client to Solutions for Solutions'
            review and competitive pricing.

      5.2   Solutions agrees to make Nexxus its provider of choice for all
            credit card or debit card services that may be required for its
            clients and banking relationships that meet or exceed the business
            requirements that may be imposed from time to time by Nexxus for
            their acceptance of such clients or banking relationships. Solutions
            agrees to use its best efforts to introduce each such client or bank
            to Nexxus for Nexxus' review and competitive pricing.

      5.3   The failure of either Party to comply with this Section shall not
            create a default in the Agreement or a breach of contract. It being
            only the intent of the Parties to acknowledge the services of the
            other to their respective clients when appropriate in presenting
            their respective business opportunities.

6.    Terms and Termination

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      6.1   This Agreement is effective from the date hereof and shall continue
            for a term of three (3) years (the "Initial Term") unless sooner
            terminated as provided in this Agreement. Thereafter, this Agreement
            shall be automatically renewed for consecutive two (2) year periods
            (a "Renewal Term") unless either Party gives the other written
            notice of non-renewal at least sixty (60) days prior to the
            expiration date of the then-current term.

      6.2   Either Party may terminate this Agreement upon sixty (60) days
            written notice thereof to the other Party upon breach by the other
            Party of any of its representations, warranties, covenants or
            agreements contained in this Agreement.

      6.3   Notwithstanding the above, if the offending breach or breaches upon
            which such notice of termination is based shall have been addressed
            to the reasonable satisfaction of the offended Party within thirty
            (30) days upon written acknowledgement of such satisfaction, then
            the notice of termination shall be rescinded, and this Agreement
            shall be deemed to continue in full force and effect.

      6.4   Immediately upon termination by either Party, whether by expiration
            or otherwise, either Parties' obligation to provide services
            hereunder shall immediately cease, and any unpaid amounts due and
            owing by each Party shall become immediately due and payable. The
            foregoing notwithstanding, either Party will continue to provide
            services to existing Joint Merchants for a reasonable period
            necessary to transfer the accounts to another provider of the other
            Party's choice. However, in the event that a Joint Merchant decides
            to retain the services of one of the Parties, even after termination
            of this Agreement, the Parties shall continue to share revenues
            generated by the Joint Merchant as if this Agreement had not been
            terminated.

      6.5   Payment for any services rendered or any other obligation of
            liability owing at the time of termination or which becomes owing
            under this Agreement whether or not such obligations arise prior to
            or after the termination date shall not be affected by termination
            of this Agreement.

      6.6   Each Party shall provide all reasonable assistance to transfer the
            other's Joint Merchant Accounts to another provider, provided,
            however, that all costs of transfer shall be at the sole expense of
            the Party retaining the Joint Merchant.

7.    Confidentiality

      Each Party acknowledges that its Company Information may be disclosed to
      the other Party during the course of this Agreement. Each Party agrees
      that it shall use the other's Company Information solely for purposes of
      the Agreement and to take reasonable steps, which shall include, at
      minimum, the steps it takes to protect its

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      own Company Information, to prevent the duplication or disclosure of the
      other's Company Information, other than by or to its employees or agents
      who must have access to the Company Information to perform such Party's
      obligations hereunder, who shall each agree to be bound by similar
      confidentiality obligations. Each Party agrees that if it is required by
      law, regulation, or order of any governmental body or regulatory authority
      to disclose to the other Party, make a reasonable effort to obtain a
      protective order requiring that the Company Information so disclosed be
      used only for the purposes for which disclosure is required and allow the
      disclosing Party to participate in the proceeding. Each Party shall
      protect the other Party's Company Information in accordance with this
      Section 7 during the Initial or Renewal Terms and for two (2) years after
      the termination of this Agreement.

8.    Limitation of Liability

      In no event shall either Party be liable to the other Party for any loss
      of profits, loss of business, loss of use or data, interruption of
      business, or for indirect, special , incidental, exemplary, multiple,
      punitive, or consequential, damages of any kind, whether based on
      contract, tort (including without limitation, negligence), warranty,
      guarantee or any other legal or equitable grounds, even if such Party has
      been advised of the possibility of such damages. Neither Party shall make
      representations or warranties to any end user or third Party by the other
      Party. These limitations shall survive and apply notwithstanding the
      validity of the limited remedies provided for in the Agreement. The
      limitations set forth in this Section 8 shall not apply to the parties'
      indemnification obligations set forth in Section 10 below or to the
      parties injunctive relief set forth in Section 11 below.

9.    Disclaimer

      Except as expressly set forth in this Agreement, neither Party makes, and
      each Party hereby specifically disclaims, any representations or
      warranties, express or implied, regarding Solutions' services or Nexxus'
      services or otherwise relating to the Agreement, including any implied
      warranty of Merchantability or fitness for a particular purpose and
      implied warranties arising from course of dealing or course of
      performance.

10.   Indemnity

      10.1  Each Party agrees to indemnify, defend and hold harmless the other
            Party and its officers, directors, employees, agents, successors and
            assigns from and against any and all losses, liabilities, damages,
            penalties and claims and all related costs and expenses (including
            reasonable attorney's fees) related to claims made by third parties
            against the indemnified Party alleging that the indemnifying Party's
            intellectual property infringe the patents, copyrights, trademarks,
            or service marks or other intellectual property rights of such third
            parties.

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      10.2  Each Party agrees to promptly notify the indemnifying Party in
            writing of any indemnifiable claim. The indemnified Party shall
            cooperate in all reasonable respects with the indemnifying Party and
            its attorneys in the investigation, trial, defense and settlement of
            such claim and any appeal arising therefrom, through its attorneys
            or otherwise, at it own cost and expense. No settlement of a claim
            shall be entered into without the consent of the indemnified Party,
            which consent will not be unreasonably withheld, unless the
            settlement includes an unconditional general release of the
            indemnified Party.

11.   Injunctive Relief

      The Parties hereby agree and acknowledge that violation by one Party of
      the provisions of Section 3 and 4 may cause irreparable harm to the other
      Party not adequately compensable by monetary damages. In addition to other
      relief, it is agreed that temporary and permanent injunctive relief shall
      be available to the parties to prevent any actual or threatened violation
      of such provisions as provided by law.

12.   Independent Contractor

      No Party nor any of its officers, employees, agents or representatives is
      an employee or agent of any other Party for any purpose whatsoever.
      Rather, each Party is and shall at all times remain an independent
      contractor.

13.   Force Majeure

      Neither Party shall be liable under this Agreement for non-performance
      caused by events or conditions beyond the Party's control, if the Party
      makes reasonable efforts to perform.

14.   Notice

      All notices, requests, instructions, consents and other communications to
      be given pursuant to this Agreement shall be in writing and shall be
      deemed received (i) on the same day if delivered in persons, by same-day
      courier or by telegraph, telex or facsimile transmission, (ii) on the next
      day if delivered by overnight mail or courier, or (iii) on the date
      indicated on the return receipt, or if there is no such receipt, on the
      third calendar day (excluding Sundays) if delivered by certified or
      registered mail, postage prepaid, to the Party for whom intended to the
      addresses listed on the first page of this Agreement. Notices shall be
      sent as follows:

      If to Solutions America, Inc.:

                      Floyd W. Kephart, Chairman

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                      Solutions America, Inc.
                      600 Corporate Pointe, 12th Floor
                      Culver City, CA 90230

        With a copy to:
                      Michael Bales
                      Greenberg, Glusker Fields Claman & Machtinger LLP
                      1900 Ave. of the Stars, Suite 2100
                      Los Angeles, CA 90067

        If to Nexxus:
                      Andrew G. Gape, President
                      Nexxus Holdings Ltd.
                      Centreville House
                      3rd Floor
                      Centreville House
                      Collins Avenue
                      P.O. Box CB-12724
                      Nassau, The Bahamas

15.   Entire Agreement

      This Agreement contains the entire understanding of the parties with
      respect to the subject matter thereof and supersedes all prior Agreements
      and understanding, whether written or oral, between them with respect to
      the subject matter hereof.

16.   Amendment

      No amendment of this Agreement shall be effective unless embodied in a
      written instrument executed by all of the parties.

17.   Waiver of Breach

      The failure of any Party hereto at any time to enforce any of the
      provision of this Agreement shall not be deemed or construed to be a
      waiver of any such provision, nor in any way to affect the validity of
      this Agreement or any provisions thereof or the right of any Party hereto
      to thereafter enforce each and every provision of this Agreement. No
      waiver of any breach of any of the provisions of this Agreement shall be
      effective unless set forth in a written instrument executed by the Party
      against whom or which enforcement of such waiver is sought; and no waiver
      of any such breach shall be construed or deemed to be a waiver of any
      other or subsequent breach.

18.   Binding Effect

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      This Agreement shall be binding on and inure to the benefit of the parties
      hereto and their respective heirs, representatives, successors and
      assigns.

19.   Governing Law

      This Agreement shall be governed by and construed in accordance with the
      internal substantive and procedural laws of the Commonwealth of The
      Bahamas without regard to conflict of laws principles.

20.   Severability

      All of the provisions of this Agreement are intended to be distinct and
      severable. If any provision of this Agreement is or is declared to be
      invalid or unenforceable in any jurisdiction, it shall be ineffective in
      such jurisdiction only to the extent of such invalidity or
      unenforceability. Such invalidity or unenforceability shall not affect
      either the balance of such provision, to the extent it is not invalid or
      unenforceable, or the remaining provisions hereof, nor render invalid or
      unenforceable such provision in any other jurisdiction.

21.   Assignment

      This Agreement shall be binding on the parties and on their successors and
      assigns. Except as expressly provided herein, neither Party shall
      transfer, assign or subcontract any right or obligation hereunder without
      the prior written consent of the other Party, which consent shall be not
      unreasonably withheld; provided, however, that consent shall not be
      required (i) in connection with any assignment to an entity that acquires
      all or substantially all of a Party's assets, voting stock or business (an
      "Acquisition"); or (ii) to an Affiliate of a Party.

22.   Heading

      The headings of sections and subsections have been included for
      convenience only and shall not be considered in interpreting this
      Agreement.

23.   Counterparts

      This Agreement may be executed in one or more counterparts, each of which
      shall be deemed to be an original, and all of which together shall
      constitute one and the same Agreement. This Agreement may be executed and
      delivered via electronic facsimile transmission with the same force and
      effect as if it were executed and delivered by the parties simultaneously
      in the presence of the other.

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IN WITNESS WHEREOF, the parties have duly executed and delivered this Agreement
as of the Effective Date set forth above.

SOLUTIONS AMERICA, INC.                       NEXXUS HOLDINGS LTD.

By:                                           By:
   ---------------------------------             -------------------------------
Name:                                         Name:
      ------------------------------               -----------------------------
Title:                                        Title:
      ------------------------------                ----------------------------

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                                                                   EXHIBIT 10.13

                             REFERRAL FEE AGREEMENT

This Referral Fee Agreement (the "Agreement") is made this 27th day of June,
2000 and entered into by and between Solutions America, Inc. ("Solutions"), a
Delaware corporation with its principal place of business at 600 Corporate
Pointe, 12th Floor, Culver City, California 90230, and The Compliance Company
Ltd. ("Compliance"), an Isle of Man corporation with its principal place of
business at 8-10 Malew Street, Castletown, Isle of Man, British Isles. Each of
the aforementioned parties is sometimes referred to individually as a "Party"
and collectively they will be referred to as the "Parties".

Whereas Solutions provides web design, database development, marketing,
financial services and transaction processing services to banks, corporations
and merchants conducting E-commerce over the Internet;

Whereas Compliance has relationships with banks and Internet merchants and seeks
to introduce such companies with E-commerce transactions to Solutions;

Whereas Solutions and Compliance wish to enter into a business relationship
whereby Compliance refers potential banks, clients and Internet merchants to
Solutions;

For good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, Solutions and Compliance do hereby agree as follows:

1.    NATURE AND TERM OF ENGAGEMENT

(a)   Services. Compliance hereby agrees to introduce banks providing E-commerce
      merchant banking services, and banks and Internet merchants requiring
      E-commerce transaction processing services to Solutions. Such banks and
      Internet merchants shall be considered "Compliance Referrals", unless
      Solutions has a preexisting active working relationship with such bank or
      Internet merchant. On a monthly basis (at the end of each calendar month),
      Compliance shall submit to Solutions a list of each and every bank or
      Internet merchant referred to Solutions during the previous month. All
      entities on said list shall be deemed Compliance Referrals unless
      Solutions objects in writing within five (5) working days that Solutions
      has a preexisting active working relationship.

(b)   Term. The term of this Agreement shall be one (1) year from the date
      hereof; provided, that this Agreement shall be automatically renewed for
      additional one (1) year terms, unless either Party gives the other Party
      written notice of its intention not to renew at least thirty (30) days
      prior to the last day of the then current term, in which event the last
      effective date of this Agreement shall be the lst day of the then current
      term. Notwithstanding anything in this paragraph to the contrary, all of
      Solutions' payment obligations to Compliance under this Agreement shall
      survive termination or suspension of this Agreement.

(c)   Exclusivity. This Agreement shall be non-exclusive and nothing shall
      preclude either Party from entering similar agreements with other parties
      providing similar services.

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2.    FEES AND PAYMENT

(a)   For each and every transaction with a value less than One Hundred United
      States Dollars (US $100.00) processed by Solutions (and / or its agents
      and assigns) on behalf of a Compliance Referral, Solutions shall pay to
      Compliance a fee of two and half cents (US$.025).

(b)   Where the average ticket price of transactions processed by Solutions (and
      / or its agents and assigns) on behalf of a Compliance Referral is One
      Hundred United States Dollars (US $100.00) or greater, Solutions shall pay
      to Compliance five percent (5%) of Solutions' processing fees earned from
      such transactions, provided that the fees as a percentage of the gross
      value of transactions under this clause shall not be less than 0.125%.

(c)   The aggregate of all such fees shall be paid on a monthly basis (on the
      15th day of each calendar month following the month in which the
      transactions occurred).

(d)   Solutions represents that its current Client Turnover exceeds US$5 million
      per month and agrees to take all reasonable steps necessary to maintain
      its Client Turnover at or above US$5 Million per month. The monthly fees
      shall be based on Solutions' turnover and shall be paid to Compliance per
      2(c) above once the Compliance Referral [per 1(a)] is activated.

(e)   For each and every web site designed or redesigned by Solutions (and / or
      its agents and assigns) on behalf of a Compliance Referral, Solutions
      shall pay to Compliance ten percent (10%) of the amount charged by
      Solutions to the Compliance Referral on the first fifty thousand dollars
      ($50,000), and fifteen percent (15%) on the amount charged by Solutions in
      excess of fifty thousand dollars ($50,000). The aggregate of such fees
      shall be paid within five (5) business days of receipt of payment by
      Solutions.

(f)   Each Party will be responsible for their own expenses. Provided, however,
      that Solutions will reimburse Compliance for such pre-approved expenses as
      it may from time to time incur at the request of Solutions.

(g)   The Parties agree that work not contemplated hereunder shall be governed
      by separate agreements as entered into by and between the Parties from
      time to time.

3.    REPRESENTATIONS AND WARRANTIES; INDEMNITIES

(a)   Representations and Warranties. The Parties hereby represent and warrant
      that (i) they have the full right to enter into this Agreement; (ii) that
      they will act in accordance with all laws and regulations.

(b)   Indemnification. Each Party agrees to fully indemnify the other Party for
      any damage or loss including reasonable attorney's fees from the breach or
      alleged breach of this Agreement or any of the representations and
      warranties whether express or implied.

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4.    GENERAL PROVISION

(a)   Relationship Between Parties. The Parties to this Agreement are
      independent contractors and nothing in this Agreement shall make them
      joint venturers, partners, employees, agents or other representatives of
      the other Party hereto. Neither Party shall make any representation that
      suggests otherwise. Provided, however, Solutions will be responsible for
      managing all client accounts and all activities related thereto.

(b)   Assignment. Compliance may not transfer or assign any of its rights or
      duties under this Agreement without the prior written consent of
      Solutions, which consent shall not be unreasonably withheld.

(c)   Taxes. Each Party shall report and pay all taxes imposed on its revenues
      or income by any jurisdiction.

(d)   Governing Law. This Agreement shall be governed by and construed in
      accordance with the internal laws of the State of California.

(e)   Integration and Amendment. This Agreement, along with any exhibits,
      attachments or other documents affixed hereto or referred to herein,
      constitutes the entire agreements between the Parties hereto relative to
      the various subject matters hereof and may be amended or revoked only by
      an instrument in writing signed by both Parties. The Parties hereby agree
      that no prior agreement, understanding or representation pertaining to any
      matter covered or mentioned in this Agreement shall be effective for any
      purpose.

(f)   Severability. If any term or provision of this Agreement shall be held
      invalid or unenforceable to any extent under any applicable law by a court
      of competent jurisdiction, the remainder of this Agreement will not be
      affected thereby, and each remaining term and provision of this Agreement
      shall be valid and enforceable to the fullest extent permitted by law. To
      the extent that the provisions of such applicable law may be waived, they
      are hereby waived to the end that this Agreement is deemed to be a valid
      and binding agreement enforceable in accordance with its terms.

(g)   Waiver. No waiver by either Party of the breach of any covenant, condition
      or term of this Agreement shall be construed as a waiver of any preceding
      or succeeding breach nor shall the acceptance of any fee or other payment
      during any period in which either Party is in default be deemed to be a
      waiver of such default. All waivers must be in writing and signed by the
      waiving Party.

(h)   Attorney's Fees. If suit, action or arbitration is brought to enforce or
      interpret any provision of this Agreement, or the rights or obligations of
      any Party hereto as they relate to the subject matter of this Agreement,
      the prevailing Party shall be entitled to recover, as an element of such
      Party's costs of suit, and not as damages, all reasonable costs and
      expenses incurred or sustained by limitation, attorneys' fees and expenses
      and court costs.

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(i)   Survival of Representations and Warranties. All representations and
      warranties of each Party contained herein shall survive the execution and
      delivery of this Agreement.

IN WITNESS WHEREOF, the Parties have executed this Referral Fee Agreement
effective as of the 27th day of June, 2000.

SOLUTIONS AMERICA, INC.                     THE COMPLIANCE COMPANY LTD.

By:                                         By:
   ---------------------------------           ------------------------------
      Floyd W. Kephart                          Christopher Compston

Title:  Chairman & CEO                      Title:
      ------------------------------              ---------------------------

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