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                                                                   EXHIBIT 10.10

                             REFERRAL FEE AGREEMENT

This Referral Fee Agreement (the "Agreement") is made this 28th day of April,
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 Anthony Vicardo
("Vicardo"), a consultant with his principal place of business at 200 World
Trade Center, Chicago, Illinois 60654. 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 site design, database development, marketing,
financial services and transaction processing services to banks, corporations
and merchants conducting E-commerce over the Internet;

Whereas Vicardo has relationships with banks, Internet merchants, corporations
and other entities and seeks to introduce such companies requiring E-commerce
services to Solutions;

Whereas Solutions and Vicardo wish to enter into a business relationship whereby
Vicardo 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 Vicardo do hereby agree as follows:

1.      NATURE AND TERM OF ENGAGEMENT

(a)     Transaction Processing, Merchant Banking and Web Site Design Services.
        Vicardo hereby agrees to introduce banks providing E-commerce merchant
        banking services, and banks, Internet merchants and other corporations
        requiring E-commerce transaction processing services and/or web site
        design services to Solutions. Such banks, Internet merchants and
        corporations shall be considered "Vicardo Referrals", unless Solutions
        has a preexisting relationship with such bank, Internet merchant or
        corporation. On a monthly basis (at the end of each calendar month),
        Vicardo shall submit to Solutions a list of each and every bank,
        Internet merchant or corporation referred to Solutions during the
        previous month. All entities on said list shall be deemed Vicardo
        Referrals unless Solutions objects in writing within seven (7) working
        days that Solutions has a preexisting relationship. In the event
        Solutions has a written contract with an entity referred by Vicardo,
        such entity shall be deemed a preexisting client of Solutions. In the
        event a written contract is not in existence, Solutions and the entity
        referred by Vicardo shall together determine whether such entity has a
        preexisting relationship with Solutions.

(b)     Multiple Jurisdictions. In the event the entity referred by Vicardo is
        an organization with branches, affiliates and subsidiaries in multiple
        jurisdictions around the world, Solutions and Vicardo shall jointly
        determine the jurisdictions to which the Vicardo Referral would be
        extended. Such determination shall be made in writing within (7) working
        days.

(c)     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

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        this paragraph to the contrary, all of Solutions' payment obligations to
        Vicardo under this Agreement shall survive termination or suspension of
        this Agreement.

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

2.      FEES AND PAYMENT

        For each and every transaction processed by Solutions (and / or its
        agents and assigns) on behalf of a Vicardo Referral, Solutions shall pay
        to Vicardo a fee of two and half cents in U.S. dollars ($.025 US) for a
        period of three (3) years from the date of the first transaction
        processed for each bank or Internet merchant introduced by Vicardo. The
        aggregate of 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).

        For each and every web site designed or redesigned by Solutions (and /
        or its agents and assigns) on behalf of a Vicardo Referral, Solutions
        shall pay to Vicardo ten percent (10%) of the amount charged by
        Solutions to the Vicardo 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.

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

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.

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. Vicardo 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.

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(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.

(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 28th day of April, 2000.

SOLUTIONS AMERICA, INC.                ANTHONY VICARDO

By:                                    By:
   -------------------------               -------------------------------------
   Floyd W. Kephart, Chairman              Anthony Vicardo

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                                                                   EXHIBIT 10.11

                             REFERRAL FEE AGREEMENT

This Referral Fee Agreement (the "Agreement") is made this 2nd day of May, 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 Mobius Trust Company Ltd.
("Mobius"), a Nevis corporation with its principal place of business at The
Henville Building, St. Charles Street, Charlestown, Nevis, West Indies. 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 site design, database development, marketing,
financial services and transaction processing services to banks, corporations
and merchants conducting E-commerce over the Internet;

Whereas Mobius has relationships with banks, Internet merchants, corporations
and other entities and seeks to introduce such companies requiring E-commerce
services to Solutions;

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

Whereas this Agreement shall apply only to banks introduced by Mobius which are
not party to an Independent Sales Organization jointly owned by Solutions and
Mobius, and to Internet merchants introduced by Mobius where transactions are
processed or settled by banks which are not party to an Independent Sales
Organization jointly owned by Solutions and Mobius;

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

1.      NATURE AND TERM OF ENGAGEMENT

(a)     Transaction Processing, Merchant Banking and Web Site Design Services.
        Mobius hereby agrees to introduce banks providing E-commerce merchant
        banking services, and banks, Internet merchants and other corporations
        requiring E-commerce transaction processing services and/or web site
        design services to Solutions. Such banks, Internet merchants and
        corporations shall be considered "Mobius Referrals", unless Solutions
        has a preexisting relationship with such bank, Internet merchant or
        corporation. On a monthly basis (at the end of each calendar month),
        Mobius shall submit to Solutions a list of each and every bank, Internet
        merchant or corporation referred to Solutions during the previous month.
        All entities on said list shall be deemed Mobius Referrals unless
        Solutions objects in writing within seven (7) working days that
        Solutions has a preexisting relationship. In the event Solutions has a
        written contract with an entity referred by Mobius, such entity shall be
        deemed a preexisting client of Solutions. In the event a written
        contract is not in existence, Solutions and the entity referred by
        Mobius shall together determine whether such entity has a preexisting
        relationship with Solutions.

(b)     Multiple Jurisdictions. In the event the entity referred by Mobius is an
        organization with branches, affiliates and subsidiaries in multiple
        jurisdictions around the world, Solutions and Mobius shall jointly
        determine the jurisdictions to which the Mobius Referral would be
        extended. Such determination shall be made in writing within (7) working
        days.

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(c)     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 Mobius under this
        Agreement shall survive termination or suspension of this Agreement.

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

2.      FEES AND PAYMENT

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

(b)     Where the average ticket price of transactions processed by Solutions
        (and / or its agents and assigns) on behalf of a Mobius Referral is One
        Hundred United States Dollars (US $100.00) or greater, Solutions shall
        pay to Mobius 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)     For each and every web site designed or redesigned by Solutions (and /
        or its agents and assigns) on behalf of a Mobius Referral, Solutions
        shall pay to Mobius ten percent (10%) of the amount charged by Solutions
        to the Mobius 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.

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

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.

4.      GENERAL PROVISION

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(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. Mobius 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.

(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 2nd day of May, 2000.

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SOLUTIONS AMERICA, INC.                MOBIUS TRUST COMPANY LTD.

By:                                    By:
   ------------------------               --------------------------------------
   Floyd W. Kephart, Chairman             Norman Axten, President

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