Document:

CONSULTING AGREEMENT

     THIS CONSULTING AGREEMENT  ("Agreement") is entered into effective November
10,  1007,  between  COLMENA  CORPORATION,  a  Delaware  corporation,  with it's
principal offices located at 25100 Detroit Road, Westlake, OH 44145 (hereinafter
referred to as the "Company"), and The Kaplan Group, Inc., a Florida Corporation
with it's primary offices  located at 2201 West Sample Road,  Bldg. 9, Suite 5B,
Pompano Beach, FL 33073.

1.       CONSULTING SERVICES

     The Company hereby engages  Consultant to perform the Marketing  Consulting
services listed below on the terms and conditions set forth in this Agreement:

         a.  Review all Marketing and Sales Promotion material.

         b.  Provide Creative Consulting services for Telecommunication related
             products being brought to market by Colmena Corporation.

         c.  Analyze,  review and assist in the formulation of Marketing plans
             with  regards  to  various  media  including  print,   radio  and
             television.

         d.  Provide, as deemed appropriate by Consultant,  additional services
             to include the production of specific marketing  campaigns for the
             sale of telecommunication related products.

2.       TERM OF AGREEMENT

     The term of this  Agreement  shall  commence  on the date  hereof and shall
continue for a period of twelve (12) months.

3.       CONSIDERATION TO CONSULTANT

     3.1 As compensation for the services rendered hereunder,  the Company shall
immediately  issue and deliver to Consultant  400,000  (four  hundred  thousand)
shares of the Company's common stock, $.01 par value,  which shall be registered
by the Company  under the  Securities  Act of 1933,  as  amended,  pursuant to a
Registration  Statement  on  Form  S-8  or  any  other  applicable  registration
statement,  as soon as  practicable.  These  shares  shall  also have  piggyback
registration rights.

     3.2 As additional consideration for the services of Consultant, the Company
agrees to  indemnify  and hold  harmless  Consultant  and each of its  officers,
directors,  agents, employees and controlling persons (collectively "Indemnified
Persons") to the fullest  extent  permitted by law, from and against any and all
losses, claims, damages,  expenses (including reasonable fees, disbursements and
other  charges of counsel),  actions,  proceedings  or  investigations  (whether
formal or informal),  or threats thereof (all of the foregoing being hereinafter
referred  to as  "Liabilities"),  based  upon,  relating  to or  arising  out of
Consultant's  engagement  hereunder,  including,  but not limited to Liabilities
arsing in connection with the  dissemination of information  about the Company o
the Company's business, whether in any presentation, in person, through the mail
or  otherwise.  In  connection  with the  Company's  obligation to indemnify for
expenses  as set forth  above,  the Company  further  agrees to  reimburse  each
Indemnified Person is reimbursed hereunder for any expenses,  the amount so paid
shall be refunded if and to the extent it is finally judicially  determined that
the Liabilities ion question resulted  primarily from the willful  misconduct or
gross negligence of such Indemnified person.

                                      Page 266
<PAGE>

4.       MISCELLANEOUS

     4.1 FURTHER ACTIONS. At any time and from time to time, each [party agrees,
at it's or his  expense,  to take such  actions and to execute and deliver  such
documents  as may be  reasonably  necessary to  effectuate  the purposes of this
Agreement.

     4.2 ENTIRE  AGREEMENT;  MODIFICATION.  This Agreement sets forth the entire
understanding  of the  parties  with  respect to the subject  matter  hereof and
supersedes all existing  agreements  among them  concerning such subject matter,
and may be modified only by written instrument duly executed by the party bound.

     4.3 NOTICES. Any notice or other communication  required or permitted to be
given  hereunder  shall be in  writing  and shall be mailed by  certified  mail,
return receipt  requested (or by most nearly comparable method mailed from or to
a location  outside of the United States),  or delivered  against receipt to the
party to whom it is to be given at the  address  of such  party set forth in the
preamble  to this  Agreement  (or to such other  address as the party shall have
furnished in writing in accordance  with the  provisions of this  Section).  Any
notice given to any  corporate  party shall  addressed  to the  attention of the
Corporation  Secretary.Any notice of other communication given by certified mail
(or  by  such  comparable   method)  shall  be  deemed  given  at  the  time  of
certification  thereof  (or  comparable  act),  except  for a notice  changing a
party's address which will be deemed given at the time of receipt thereof.

     4.4 WAIVER.  Any waiver by any party of a breach of any  provision  of this
Agreement  shall  not  operate  as or be  construed  to be a waiver of any other
breach  of that  provision  or of any  breach  of any  other  provision  of this
Agreement. The failure of a party to insist upon strict adherence to any term of
this  Agreement  on one or more  occasions  will not be  considered  a waiver or
deprive that party of the right  thereafter  to insist upon strict  adherence to
that term or any other term of this  Agreement.  Any  waiver  must be in writing
and, in case of a corporate party, be authorized by a resolution of the board of
directors or by an officer of the waiving party.

     4.5 BINDING EFFECT.  The provisions of this Agreement shall be binding upon
and inure to the  benefit of the  Company and  Consultant  and their  respective
successors and assigns;  provided,  however, that any assignment by any party of
its rights under this Agreement  without the written  consent of the party shall
be void.

     4.6 SEVERABILITY.  If any provision of this Agreement is invalid,  illegal,
or unenforceable,  the balance of this Agreement shall remain in effect,  and if
any provision is incapable to any person or circumstance,  it shall nevertheless
remain applicable to any other persons and circumstances.

     4.7 HEADINGS.  The headings in this Agreement are solely for convenience of
reference and shall be given no effect in the construction or  interpretation of
this Agreement.

     4.8  COUNTERPARTS;  GOVERNING  LAW.  This  Agreement may be executed in any
number of  counterparts,  each of which shall be deemed an original,  but all of
which  together  shall  constitute  one and the  same  instrument.  It  shall be
governed by and construed in accordance  with the laws of the State of Delaware,
without giving effect to conflict of laws.

                                      Page 267
<PAGE>

     4.9  ATTORNEY'S  FEES.  In the  event of a  dispute  with  respect  to this
Agreement,  the prevailing party shall be entitled to its reasonable  attorney's
fees and other costs and expenses incurred in litigating or otherwise  resolving
or settling such dispute.

     IN WITNESS  WHEREOF,  the parties hereto have executed this Agreement as of
the date first set forth above.

                                                       COLMENA CORP.
                                                     a Delaware Corporation

                                            By: /s/ The Kaplan Group

                                                     THE KAPLAN GROUP, INC.
                                                     a Florida Corporation

                                            By: /s/ The Kaplan Group

                                            By: /s/ The Kaplan Group

                                      Page 268CONSULTING AGREEMENT

         THIS  CONSULTING  AGREEMENT  ("agreement")  is entered  into  effective
November  10, 1997,  between  COLMENA  CORP.,  a Delware  corporation,  with its
principal  offices  located  at  25100  Detroit  Road,   Westlake,   Ohio  44145
(hereinafter  referred  to as  the  "Company"),  and  ROBERT  S.  GIGLIOTTI,  an
individual  resident of  Michigan,  with his  principal  offices  located at 901
Wilshire Drive, Suite 400, Troy, Michigan 48084 (hereinafter "Consultnat").

1.       Consulting Services

         The  company  hereby  engages   Consultant  to  perform  the  financial
consulting  services  listed below on the terms and conditions set forth in this
Agreement.

         (a)   Review  the  business   operations   of   potential   transaction
               candidates;

         (b)   Meet with appropriate  shareholder groups in an effort to resolve
               any valuation differences;

         (c)   Initiate  and  negotiate  on behalf  of the  Company  to  explore
               potential transactions;

         (d)   Analyze and evaluate the projected  financial  performance of the
               Company;

         (e)   Assist in the formulation of a strategy for discussions  with and
               the  presentation  of a  transaction  proposal to any  interested
               parties;

         (f)   As  mutually  agreed,  advise the Company  regarding  alternative
               financing  structures  (including  bridge  loads)  with  which to
               effect a transaction;

         (g)   Assist  in  negotiation  of  letters  of  intent  and  definitive
               purchase or financing  agreements with any interested parties and
               their advisors;

         (h)   Provide,   as  deemed   appropriate  by  Consultant,   additional
               financial advisory services related to a transaction.

         Company acknowledges that Consultant is not a registered  broker-dealer
and that Consultant cannot, and shall not be required hereunder to, engage in he
offer or sale of  securities  on behalf of the  Company.  While  Consultant  has
relationships  and  contacts  with  various   investors,   broker-dealers,   and
investment funds, Consultant's  participation in the actual offer or sale of the
Company  securities  shall be limited to that of an advisor to the Company and a
"finder" or investors,  broker-dealers  and funds. The Company  acknowledges and
agrees that the  solicitation and consummation of any purchases of the Company's
securities  shall be handled  by the  Company  or one or ore NASD  member  firms
engaged by the Company for such purpose.

                                      Page 269
<PAGE>

2.       Term of Agreement

          The term of this Agreement shall commence on the date hereof and shall
continue for a period of twenty-four (24) months.

3.       Consideration to Consultant

         3.1   As compensation for the services rendered hereunder,  the Company
               shall issue and deliver to  Consultant  Fifty  Thousand  (50,000)
               shares of the  Company's  common  stock,  $.01 par  value,  which
               shares shall be registered  by the Company  under the  Securities
               Act of 1933, as amended,  pursuant to a Registration Statement of
               Form  S-8,  as soon as  practicable  after  the  Company  becomes
               eligible for use of such form.

         3.2   As additional  consideration for the services of Consultant,  the
               Company agrees to indemnify and hold harmless Consultant and each
               of its officers,  directors,  agents,  employees and  controlling
               persons  (collectively  "Indemnified  Persons")  to  the  fullest
               extent  permitted  by law,  from and  against any and all losses,
               claims,    damages,    expenses   (including   reasonable   fees,
               disbursements and other charges of counsel), actions, proceedings
               or  investigations  (whether  formal  or  informal),  or  threats
               thereof (all of the foregoing  being  hereinafter  referred to as
               "Liabilities"),  based  upon,  relating  to  or  arising  out  of
               Consultant's engagement hereunder,  including, but not limited to
               Liabilities  arising  in  connection  with the  dissemination  of
               information about the Company or the Company's business,  whether
               in any presentation,  in person,  through the mails or otherwise;
               provided,  however,  that the Company  shall not be liable  under
               this  paragraph  to the  extent  that  it is  finally  judicially
               determined  that such  Liabilities  resulted  primarily  from the
               willful  misconduct or gross negligence of the Indemnified Person
               seeking   indemnification.   In  connection  with  the  Company's
               obligation  to indemnify  for  expenses as set forth  above,  the
               Company further agrees to reimburse each  Indemnified  Person for
               all expenses (including reasonable fees,  disbursements and other
               charges of  counsel)  as they are  incurred  by such  Indemnified
               Person;  provided,  however,  that if an  Indemnified  Person  is
               reimbursed  hereunder for any expenses,  the amount so paid shall
               be  refunded  if and  to  the  extent  it is  finally  judicially
               determined  that the Liabilities in question  resulted  primarily
               from  the  willful   misconduct  or  gross   negligence  of  such
               Indemnified Person.

4.       Miscellaneous

         4.1   Further  Actions.  At any time and from time to time,  each party
               agrees,  at its or his  expenses,  to take  such  actions  and to
               execute and deliver such documents as may be reasonably necessary
               to effectuate the purposes of this Agreement.

         4.2   Entire  Agreement;  Modification.  This  Agreement sets forth the
               entire  understanding  of the parties with respect to the subject
               matter hereof and supersedes all existing  agreements  among them
               concerning  such subject  matter,  and may be modified  only by a
               written instrument duly executed by the party to be bound.

                                      Page 270
<PAGE>

         4.3   Notices. Any notice or other communication  required or permitted
               to be given  hereunder shall be in writing and shall be mailed by
               certified mail,  return receipt  requested (or by the most nearly
               comparable  method if mailed from or to a location outside of the
               United States), or delivered against receipt to the party to whom
               it is to be given at the  address  of such party set forth in the
               preamble to this Agreement (or to such other address as the party
               shall have furnished in writing in accordance with the provisions
               of this Section).  Any notice given to any corporate  party shall
               be addressed to the attention of the Corporation  Secretary.  Any
               notice of other communication given by certified mail (or by such
               comparable   method)  shall  be  deemed  given  at  the  time  of
               certification  thereof (for comparable act),  except for a notice
               changing a party's address which will be deemed given at the time
               of receipt thereof.

         4.4   Waiver.  Any waiver by any part of a breach of any  provision  of
               this  Agreement  shall not  operate  as or be  construed  to be a
               waiver of any other breach of that  provision or of any breach of
               any other provision of this Agreement.  The failure of a party to
               insist upon strict adherence to any term of this Agreement on one
               or more occasions will not be considered a waiver or deprive that
               party of the right  thereafter to insist upon strict adherence to
               that term or any other ten of this Agreement.  Any waiver must be
               in writing and, in the case of a corporate  party,  be authorized
               by a resolution of the board of directors or by an officer of the
               waiving party.

         4.5   Binding Effect. The provisions of this Agreement shall be binding
               upon the insure to the benefit of the Company and  Consultant and
               their respective successors and assigns; provided,  however, that
               any  assignment  by any party of its rights under this  Agreement
               without the written consent of the other party shall be void.

         4.6   Severability.  If any  provisions  of this  Agreement is invalid,
               illegal,  or  unenforceable,  the balance of this Agreement shall
               remain in effect,  and if any  provision in  inapplicable  to any
               person or circumstance,  it shall nevertheless  remain applicable
               to any other persons and circumstances.

         4.7   Headings.   The  headings  in  this   Agreement  are  solely  for
               convenience  of  reference  and  shall be given no  effect in the
               construction or interpretation of this Agreement.

         4.8   Counterparts;  Governing  Law. This  Agreement may be executed in
               any  number  of  counterparts,  each of which  shall be deemed an
               original,  but all of which together shall constitute one and the
               same  instrument.  It  shall  be  governed  by and  construed  in
               accordance with the laws of the State of Delaware, without giving
               effect to conflict of laws.

         4.9   Attorney's  Fees.  In the event of a dispute with respect to this
               Agreement,   the  prevailing  party  shall  be  entitled  to  its
               reasonable  attorney's fees and other costs and expenses incurred
               in litigating or otherwise resolving or settling such dispute.

                                      Page 271
<PAGE>

         IN WITNESS WHEREOF,  the parties hereto have executed this Agreement of
the date first set forth above.

                                           COLMENA CORP.
                                           a Delaware corporation

                                        By: /s/Richard C. Peplin, Jr., President

                                        CONSULTANT:

                                        By: /s/ ROBERT S. GIGLIOTTI

                                      Page 272

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