Document:

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                                                                   EXHIBIT 10.10

                                          LOCATION:

                                          TORONTO, ONTARIO, CANADA
                                          VANCOUVER, BRITISH COLUMBIA, CANADA
                                          DORADO RESOURCES CORP.

                                          DATE: NOVEMBER 30, 1999

                                   ZLAND, INC.

                         OPERATING ASSISTANCE AGREEMENT

                                      WITH

                             DORADO RESOURCES CORP.
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                         OPERATING ASSISTANCE AGREEMENT

         THIS OPERATING ASSISTANCE AGREEMENT ("Agreement") is made and entered
into as of November 30, 1999, by and between Dorado Resources Corp. a British
Columbia, Canadian corporation (collectively, "Franchisee"), and ZLand, Inc. a
Delaware corporation ("Provider").

                                    RECITALS

         A. WHEREAS, Franchisee wishes to hire another party with industry
expertise to assist in the operation of its ZLand Franchises in the Toronto,
Ontario, Canada and Vancouver, British Columbia, Canada metropolitan areas
(collectively referred to as the "Franchise");

         B. WHEREAS, while Franchisee will maintain ultimate supervisory and
management responsibility, Franchisee wishes to have this other party hire
general managers and provide other assistance related to the launching and
operating of the various territories in its Franchise;

         C. WHEREAS, Provider has the necessary industry expertise to provide
such services; and

         D. WHEREAS, Provider has employees who can perform general managers
functions for Franchisee.

                                    AGREEMENT

Franchisee hereby wishes to engage Provider to provide the above services and
Provider wishes provide such services to Franchisee. In consideration of the
mutual promises, covenants and agreements herein, Franchisee and Provider agree
as follows:

1.       Term and Termination. The initial term of this Agreement shall be one
year subject to earlier termination or renewal as set forth herein, commencing
on the date hereof.

         1.1 Renewal. Following the initial term, this Agreement shall
automatically renew for a period of one (1) year, unless either party gives 90
days written notice to the other party of its intention not to renew as set
forth herein. Notwithstanding the foregoing, this Agreement shall automatically
terminate if the Franchise is sold or otherwise disposed of, all the remaining
assets of the Franchise are liquidated, and the affairs of the Franchise are
fully and completely wound up.

         1.2 Termination. Notwithstanding any other provision of this Agreement
to the contrary, either party shall provide the other party with thirty (30)
days prior written notice of any breach of this Agreement. If such noticed
breach is not cured at the end of the notice period (or, if cure cannot
reasonably be completed in that time, steps toward cure have begun during that
period and are being diligently pursued) the noticing party may terminate this
Agreement.

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Notwithstanding anything contained herein to the contrary, all advances or
guarantees by the Provider or its affiliate company must be fully discharged for
such termination to be valid.

2.       Lease of General Managers. Franchisee hereby leases from Provider the
full time services of two employees to act as General Managers of Franchise
operations ("General Managers"). While Franchisee is responsible for the overall
management and control of the Franchise, General Managers shall oversee the
day-to-day operations of Franchisee's Franchise, the premises of which are
located in Vancouver, British Columbia and Toronto, Ontario areas (one General
Manager for each area), as required by Franchisee's Franchise Agreement with
Provider on Franchisee's behalf, but subject to Franchisee's direction and
control. Franchisee acknowledges that General Managers are Provider's employees
and hereby agrees not to solicit the services of General Managers or any of
Provider's employees during the term of this Agreement and for a period of
twelve (12) months thereafter without Provider's prior written consent.
Franchisee shall have the right to approve or disapprove the General Managers
selected by Provider, and Franchisee shall further have the right to terminate
the services of either General Manager upon thirty (30) days written notice to
Provider, and Provider shall endeavor to find a suitable replacement General
Manager during that time.

3.       Operation of the Franchise.

         3.1 Provider's Duties and Responsibilities. Under the direction and
control, in the name and for the account of Franchisee, General Managers shall
oversee the day-to-day operations of the Franchise in accordance with the
Franchise Agreement and consistent with prudent management practices, subject to
the terms of this Agreement and the Annual Budget (as defined in clause (b)
below) then in effect. In all instances herein, all duties attributed to General
Managers are also the duties of Provider and vice versa. General Managers shall
do and perform under the direction and control of Franchisee, with any and all
necessary assistance from Provider's staff, when and as necessary or
appropriate, solely with funds from the Working Capital Account as defined in
Section 5 below, the following:

             (a) Prepare a comprehensive and detailed operation and development
plan (the "Plan") for the Franchise, which shall be a part of the Annual Budget
referenced above. The Plan shall include but not be limited to, separate
financial pro formas and cash flow projections pertaining to the Franchise;

             (b) Prepare a comprehensive and detailed annual budget for the
Franchise, which shall include the items set forth in Section 3.1, as well as
line item allocations and detail for the matters set forth in the Plan and/or
otherwise considered by the Franchise ("Annual Budget");

             (c) Maintain all books, records, reports, and accounts in which
shall be entered all transactions of the Franchise and shall be open for
inspection and copying by Franchisee.

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             (d) Promptly assist and cooperate with Franchisee's accountants in
performance of any accounting functions required of Franchisee's accountants,
including the treatment and adjustment of capital accounts, the calculations of
capital contributions and allocations, the preparation of tax returns, the
making of tax and accounting elections, and all other matters reasonably
required of or by Franchisee's accountants;

             (e) Receive, consider and use his best efforts to resolve the
complaints of all customers or users of any of the services or facilities of the
Franchise;

             (f) Enter into, pay and perform in the name of and at the expense
of Franchisee, all contracts, operating leases, concessions, licenses, permits
and other undertakings for the operation of the Franchise;

             (g) Receive and collect all cash and accounts generated from the
operation of the Franchise, convert all accounts to cash and deposit such sums,
along with all funds furnished by Franchisee as "working capital" and all other
monies received by General Managers for or on behalf of Franchisee, into the
Working Capital Account (as defined in Section 5.1);

             (h) Pay and disburse on behalf and for the account of Franchisee,
as required for the operation of the Franchise, and all other disbursements
directly or indirectly authorized by this Agreement; and any other charge, item
of expense or other item which General Managers considers to be necessary or
desirable for the operation of the Franchise consistent with the Annual Budget
and not otherwise expressly authorized or limited under this Agreement;

             (i) Arrange for and cause, at Franchisee's expense, compliance by
Franchise with all statutes, ordinances, laws, rules, regulations, orders and
determinations affecting or issued in connection with the Franchise, by any
governmental authority having jurisdiction; and

             (j) Institute and defend, in Provider's name and/or in the name of
Franchisee, and (subject to the provisions of the Franchise Agreement) at
Franchisee's expense, any necessary legal actions or proceedings to enforce
contracts involving the Franchise, collect charges, rent or other income for the
Franchise; any counsel engaged under this subsection shall be designated by
Provider and shall be subject to Franchisee's approval which shall be deemed
given unless written objection is received by Provider within 10 days after the
request for approval is given.

         3.2 Annual Budget. The Annual Budget for the first fiscal year of the
Franchise will be delivered by General Managers to the Chairman of Franchisee's
Finance Committee within 60 days after the execution date hereof and shall be
deemed accepted if Franchisee does not object to the proposed Annual Budget
within 15 days after delivery. Each Annual Budget shall include, without
limitation, General Managers' forecast of revenues, expenses and cash flow for
the Franchise for the fiscal year, presented on a monthly basis, plus a capital
improvements and replacements budget. At the request of Franchisee given to
General Managers within 10 days after tender of the proposed Annual Budget,
Provider's representatives shall review such budget with Franchisee and General
Managers at the Franchise or a mutually agreeable location. General Managers may
revise the Annual Budget from time to time to reflect any unpredicted
significant

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changes, variables or events beyond General Managers' control or include
significant additional unanticipated items of income or expense. Any such
revision shall be submitted for, and subject to, Franchisee's approval.
Unbudgeted or unforecast expenditures unforeseen at the time of submission of
the Annual Budget and reasonably deemed necessary by General Managers in a bona
fide emergency may be made without Franchisee's prior authorization, except as
provided in this Section 3. Neither General Managers nor Provider shall be
deemed to have made any guarantee, warranty or representation whatsoever in
connection with the Annual Budget. Franchisee acknowledges that each Annual
Budget, including any forecast of revenues, expenses and cash flow, are
estimates and are subject to and will be affected by changes in financial,
economic and other conditions and circumstances beyond General Managers' or
Provider's control.

         3.3 Reports. General Managers shall provide Franchisee with quarterly
comprehensive written reports as to the status of the development and operation
of the Franchise. The written reports shall contain, but not be limited to, a
capsulation or abstract of the matters discussed at the meetings then
transpiring between Franchisee and Provider, including, but not limited to, an
analysis and discussion of the progress and performance of the Franchise, and
the conformance or variances of the foregoing to or with the Plan and Annual
Budget. The reports shall also contain, but not be limited to, an analysis and
discussion of the specific minimum performance levels to be achieved by General
Managers. Franchisee reserves the right to reasonably determine the format and
topic content of the above reports.

         3.4 Compensation. Provider, as its fee for all assistance services with
regard to the Franchise and the lease of General Managers' services hereunder,
shall receive US$24,000 per month. This US$24,000 per month fee shall be waived
for the first twelve months of this Agreement. Franchisee shall pay Provider's
General Managers the performance-based bonus compensation earned under formula
contained in General Managers' contracts with Provider. The foregoing fee shall
be included as a special item to the Plan and Budget. Further, Provider shall
receive a bonus of 20% of the EBITDA of the Franchise (earnings before interest,
taxes, depreciation and amortization, all as determined in accordance with U.S.
GAAP), payable each quarter that the Franchise shows a profit. If Provider
employs its Human Resources Department to provide personnel recruiting services
beyond such recruitment services provided solely by General Managers, Provider
shall receive a fee of $1,000 per person recruited.

         3.5 General Provisions. Provider shall determine the manner and means
of carrying out its duties hereunder subject, however, to the oversight and
control of Franchisee. Provider shall have the right of control and discretion
as to the manner of performance of its services hereunder in that the result of
the work and not the means by which it is accomplished shall be the primary
factor for which the parties have bargained hereunder. Provider's obligations
for performance of services hereunder, shall be limited to the completion of the
services described above in accordance with the Plan and Annual Budget as set
forth herein. Franchisee shall not direct the details, manner or means by which
Provider accomplished the services performed hereunder, provided that the
services are in accordance with the Plan and Annual Budget.

         3.6 Payment of Taxes. Provider shall be responsible for General
Managers' employment taxes and estimated tax liabilities, whether federal, state
or local. Franchisee shall be

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responsible for the employment taxes and estimated tax liabilities, whether
federal, state or local, for all Franchise employees.

         3.7 Workers' Compensation Insurance. Provider shall obtain and maintain
at all times hereunder its own workers' compensation insurance covering General
Managers, at Provider's expense, and, upon reasonable request, provide
Franchisee with a certificate evidencing such coverage containing the policy
number and the name and address of the carrier. Notwithstanding any other
indemnification contained herein. Provider shall indemnify, defend and hold
Franchisee harmless from any and all claims arising out of any injury,
disability, or death of General Managers as its employee or otherwise, during
the performance of any services hereunder or otherwise.

         3.8 Employees of Franchise. General Managers shall hire personnel to
staff the Franchise as needed. All such personnel shall be the employees or
contractors of Franchisee under Franchisee's direction unless otherwise agreed
to by Provider and Franchisee. Notwithstanding any other indemnification
contained herein, Franchisee shall indemnify, defend, and hold Provider harmless
from all claims arising out of Franchisee's retention or employment of any of
its subcontractors or employees, or otherwise. Each and every contract of
employment entered into by and between Franchisee and Franchisee's
subcontractors or employees with regard to any services to be performed for the
Franchise shall state substantially as follows:

             (a) Franchisee's subcontractors and/or employees are subcontractors
and/or employees of Franchisee alone (and not of the Provider);

             (b) Franchisee is contracting for the retention or employment of
such subcontractors and/or employees on Franchisee's own behalf and not as an
agent of the Provider, unless otherwise expressly authorized in writing by the
Provider; and

             (c) No subcontract or contract of employment, oral or written,
implied or in fact, exists between Franchisee and Franchisee's subcontractor
and/or employees and the Provider.

4.       Operating Expenses. In performing its duties hereunder, Provider shall
act solely in the name and for the account of Franchisee. All expenses properly
incurred by Provider in performing its duties hereunder shall be borne
exclusively by Franchisee. Franchisee acknowledges that operating expenses shall
include all costs incurred by Provider for telemarketing, credit card
fulfillment, and verification; advertising, marketing fees, and media buys;
legal, accounting, and bookkeeping fees; customer support; licensing fees and
software expenses; equipment leases; and, all travel and other expenses incurred
by such management personnel relating to the Franchise (collectively, the
"Reimbursement Expenses") all charges not to exceed the fair market value of
services provided. Franchisee shall pay when due all fees payable under Section
7. To the extent the funds necessary therefor are not generated by the operation
of the Franchise, they shall be supplied by Franchisee to Provider in the manner
provided in Section 5. Notwithstanding the foregoing, during the first three
months of this Agreement, Provider shall pay the base compensation of eight
sales representatives for the Franchise (estimated cost - $126,000) and shall
pay a cooperative advertising allowance of

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$15,000 per month (total cost - $45,000). The amount of these expenses shall be
paid by Provider to Franchisee when due for each month, and shall be deposited
by Franchisee into the Working Capital Account so that they will be available to
pay the expenses.

5.       Working Capital Account.

         5.1 Definition. As used herein, "Working Capital Account" includes
funds for the maintenance of adequate cash balances, to finance receivables,
payrolls, inventories and such other expenditures as shall be deemed necessary
by Franchisee and as required by the Annual Budget, to be deposited and invested
in an account or accounts of a type and with financial institutions selected by
Franchisee.

         5.2 Working Capital Account. All funds to be made available to General
Managers by Franchisee for the operation of the Franchise, including all funds
derived from the operation of the Franchise, shall be deposited in the Working
Capital Account. The Working Capital Account shall at all times be under the
control of General Managers, subject to the direction of Franchisee and to
General Managers' obligation of accounting to Franchisee as and when required
herein. All monies received from the operation of the Franchise, and any and all
expenses paid by General Managers on account of the operation of the Franchise,
including, without limitation, the expenses noted in Sections 4 and 7 shall be
deposited into and disbursed from the Working Capital Account. General Managers
may (but are not obligated to) pay creditors of the Franchise such amounts as
may be necessary from time to time to pay and discharge debts of the Franchise
so as to prevent the attachment, creation or imposition of any lien, claim,
security interest or encumbrance on the Franchise, the Working Capital Account
or this Agreement. Checks or other instruments of withdrawal shall be signed
only by a General Manager and an authorized representative of the Franchise.
Franchisee shall have no right to receive funds on deposit in the Working
Capital Account other than to receive amounts from the Working Capital Account
as, if and when entitled thereto under this Agreement. Upon the expiration or
earlier termination of this Agreement and the payment to Provider of all amounts
then due Provider, all remaining amounts in the Working Capital Account shall be
paid forthwith to Franchisee, or made available by transfer of account control
authorization.

         5.3 Commingling of Funds. The Working Capital Account shall be used in
connection with the operation of the Franchise and the performance of the terms
and conditions of this Agreement, and General Managers shall segregate all
receipts, accounts and records pertaining to the Franchise operations. Neither
Provider nor General Managers shall commingle the monies of the Franchise with
the monies of Provider or other ZLand franchisee.

6.       Books, Records and Statements.

         6.1 System of Accounts. General Managers shall keep adequate books of
account and other records reflecting the results of Franchise operations on a
cash basis. Except for such books and records as General Managers may elect to
keep in Provider's office or other suitable location, the books of account and
all other records relating to or reflecting the operation of the Franchise shall
be kept at the Premises of the Franchise and shall be available to Franchisee
and its representatives at the places kept during the hours of 9:00 a.m. to 5:00
p.m., local time,

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Monday through Friday, for examination, audit, inspection and transcription (at
Franchisee's expense).

         6.2 Quarterly and Annual Statements. General Managers shall prepare and
deliver to Franchisee, within 45 days after the end of each calendar quarter, a
financial statement containing a statement of income showing the results of
operations of the Franchise for such preceding calendar quarter and for the
portion of the fiscal year ended on the last day of such preceding calendar
quarter. Such statement shall be prepared from the books of account of the
Franchise maintained by General Managers on a cash basis. Within 90 days after
the end of each fiscal year, General Managers shall furnish Franchisee with
statements for the preceding fiscal year containing (i) a statement of income on
a cash basis showing the results of operations of the Franchise for such
preceding fiscal year, and (ii) a statement of the aggregate net cash flow,
operating expenses, gross operating profit, and the management fees, for such
preceding fiscal year. The foregoing annual financial statements shall be
reviewed by an independent certified public accountant (the "Independent
Accountant") and the cost of preparing and presenting them shall be included in
the operating expenses of the Franchise and paid by General Managers from the
Working Capital Account. Any disputes as to the contents of any such statement
or any accounting matter hereunder shall be determined by the Independent
Accountant, whose decisions shall be final and conclusive as to Provider,
General Managers and Franchisee.

7.       Insurance.

         7.1 Coverages. During the term of this Agreement, General Managers
shall procure and maintain, to the extent available on commercially reasonable
terms, at Franchisee's sole cost and expense, insurance of such kinds and
amounts as Franchisee shall be required to carry pursuant to the provisions of
any lease or other agreement affecting the Franchise including the Franchise
Agreement, as well as any other or additional insurance that Franchisee and the
ZLand franchise system shall require. If General Managers are unable to obtain
such insurance on commercially reasonable terms he shall notify Franchisee,
which shall have the right to obtain such coverages and cause the premiums to be
paid from the Working Capital Account.

         7.2 Insurers. All insurance shall be in such form and amounts and with
such companies as shall be reasonably satisfactory to Franchisee and Provider
and, to the extent required by any mortgage, lease or other agreement affecting
the Franchise, by all interested parties thereunder. All policies insuring
against damage to the Franchise or portions thereof or interruptions of business
or the like shall name Franchisee, Provider, and such other parties as may be
required by the provisions of any lease or other agreement affecting the
Franchise as the insureds thereunder, as their respective interests may appear.
All policies of hazard insurance shall include loss payment clauses in the form
required by any lease or other agreement affecting the Franchise and Franchisee
shall advise General Managers of the respective requirements of each such
agreement prior to opening of the Franchise. All policies of liability insurance
shall name Franchisee, Provider, and such other parties required above as the
insureds thereunder, and shall contain riders and endorsements adequately
protecting the interests of Provider. Certificates of all policies of insurance
shall be delivered to Franchisee and to all such other parties, as Franchisee
shall reasonably direct. Deductible items shall be paid from the Working Capital
Account, if sufficient, and directly by Franchisee otherwise.

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         7.3 Subrogation. General Managers shall cause (to the extent possible
without incurring undue expense) all policies of insurance to provide that the
insurer will have no right to subrogation against Franchisee, Provider or any of
its agents or employees or affiliates except for gross negligence or willful
misconduct. Franchisee assumes all risks in connection with the adequacy of any
insurance or self-insurance program, and waives any claim against Provider for
any liability, cost or expense (including attorneys' fees and disbursements)
arising out of any uninsured claim, in part or in full, of any nature
whatsoever. All policies of insurance to be procured by General Managers shall
permit the foregoing waiver (to the extent possible without incurring undue
expense).

         7.4 Blanket Policies. Except to the extent otherwise required pursuant
to the provisions of any lease or other agreement affecting the Franchise, and
to the extent feasible, insurance may be obtained by General Managers, through
the blanket insurance policies for all VentureLink franchises with the expense
therefor allocated to the Franchise.

8.       Notices. Any notice, statement or demand required under this Agreement
shall be in writing and shall be delivered personally or electronically, or
mailed addressed to:

         If to:   Provider:         ZLand, Inc
                                    27081 Aliso Creek Road
                                    Aliso Viejo, CA 92656
                                    Attention: Legal Department

         If to:   Franchisee:       Dorado Resources Corp.
                                    2200-609 Granville Street
                                    Vancouver, British Columbia, Canada V7Y 1H2
                                    Attention: Chairman, Management Committee

or to such other addresses as Provider and Franchisee shall designate in the
manner herein provided, and shall be deemed to have been given on the day
delivered or transmitted or, if mailed, three (3) days after it shall have been
mailed, as aforesaid, in any regularly maintained government post office or
branch post office. Any notice of an event of default, termination or exercise
or non-exercise of a renewal option shall be personally delivered by means of
overnight courier with receipted delivery or by certified or registered prepaid,
first class U.S. mail, return receipt requested.

9.       Indemnification.

         9.1 Standard of Performance. Provider shall not, in the performance of
this Agreement, be liable to Franchisee or to any other person or entity due to
any act or omission, negligent, tortious or otherwise of any agent or employee
of Franchisee or due to any such act or omission of Provider, its agents,
General Managers or other employees, unless such act or omission of Provider
constitutes gross negligence or willful misconduct. For the purposes of this
provision, Provider will be considered responsible only for the acts or
omissions of such of its own employees and not employees of the Franchise or
other employees of Franchisee.

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Notwithstanding any other provisions of this Agreement, in no event shall
Franchisee make any claim against Provider, its affiliates or subsidiaries on
account of any alleged errors of judgment made in good faith in connection with
the management and operation of the Franchise hereunder by General Managers, nor
shall Franchisee object to any expenditure made by General Managers or Provider
in good faith in accordance with this Agreement and in the course of General
Managers' activities and the operation of the Franchise unless such expenditure
is specifically prohibited by this Agreement.

         9.2 Indemnification. Franchisee agrees to indemnify and save Provider
and General Managers harmless from all liability, loss, damage, cost, claim or
other expense, including reasonable attorneys' fees and disbursements, arising
out of General Managers' performance of his duties under this Agreement,
including, without limitation, all liability for injury to persons or damage to
property by reason of any cause whatsoever, either in or about the Franchise or
elsewhere when General Managers is carrying out the provisions of or any way
connected with this Agreement.

         9.3 Survival. This Section 9 shall survive the expiration or other
termination of this Agreement.

10.      Option to Purchase Franchisee Equity. In consideration of the waiver of
the management fee described in Section 3.4, the payment of sales
representatives expenses and cooperative advertising expenses described in
Section 4 and a payment of $7,000 being made by Provider to Franchisee
concurrently with execution of this Agreement, Franchisee hereby grants Provider
an option to purchase up to 19.9% of the fully-diluted equity of Franchisee,
exercisable as follows:

             (a) Beginning June 30, 2000, Franchisee shall be permitted to
                 purchase up to 10% (calculated after the purchase) of the
                 fully-diluted equity of Franchisee;

             (b) Beginning November 30, 2000, Franchisee shall be permitted to
                 purchase up to an additional 9.9% (calculated after the
                 purchase)of the fully-diluted equity of Franchisee;

             (c) The option shall expire June 30, 2001; and

The exercise price for the equity shall be the fair market value of the equity
at the date of exercise, determined by the closing bid or last sale price of the
equity on the trading date preceding the date of exercise, if the equity is
publicly traded or, if it is not publicly traded, the last price for the equity
paid by an independent third party, or if there have been no purchases by
independent third parties, the price established by Franchisee's board of
directors for purposes of stock option grants to employees or similar reasons.
Provider shall receive full credit toward the exercise price of the management
fees waived, sales representative and cooperative advertising fees paid and the
$7,000 option payment, all as described above.

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11.      Miscellaneous.

         11.1 Fiscal Year. The phrase "fiscal year" shall mean the fiscal year
of Provider, which shall begin January 1 of each year and end on December 31 of
that year, unless Provider shall specify otherwise, except for the first year of
the Term, which shall begin on the execution date hereof and end on the December
31 of the year next following the year of execution hereof.

         11.2 Independent Accountant. The Independent Accountant shall be
selected by Provider, with Franchisee's approval, and may be any firm of
independent certified public accountants.

         11.3 Further Assurances. Franchisee and Provider shall execute and
deliver all other appropriate supplemental agreements and other instruments, and
take any other action necessary to make this Agreement fully and legally
effective, binding and enforceable as between them and as against third parties.

         11.4 Counterparts. This Agreement may be executed in one or more
counterparts, none of which need contain the signature of more than one party
hereto, and each of which shall be deemed to be an original, and all of which
together shall constitute a single agreement. The headings of the titles to the
several sections of this Agreement are inserted for convenience only and are not
intended to affect the meaning of any of the provisions hereof.

         11.5 Waivers, Amendments, Etc. This Agreement may not be changed,
modified or terminated, nor may any provisions hereof be waived, except by a
writing signed by the party to be charged with any such change, modification,
termination or waiver. The waiver of any of the terms and conditions of this
Agreement on any occasion or occasions shall not be deemed a waiver of such
terms and conditions on any future occasion.

         11.6 Binding Effect. This Agreement shall be binding upon and inure to
the benefit of Franchisee, its successors and/or permitted assigns, and shall be
binding upon and inure to the benefit of Provider, its successors and/or
permitted assigns.

         11.7 Entire Agreement. This Agreement constitutes the entire Agreement
between the parties relating to the subject matter hereof, superseding all prior
agreements or undertakings, oral or written. Franchisee hereby represents that,
in entering into this Agreement, Franchisee has not relied on any projection of
earnings, statements as to possibility of future success or other similar
matters which may have been prepared by Provider as to the cost or the future
financial success of the Franchise.

         11.8 Governing Law. This Agreement shall be governed by and construed
in accordance with the internal substantive laws, and not the choice of law
rules, of the State of California.

         11.9 Severability. If any one or more of the phrases, sentences,
clauses or paragraphs contained in this Agreement shall be declared invalid by
the final and unappealable order, decree or judgment of any court, this
Agreement shall be construed as if such phrases, sentences, clauses

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or paragraphs had not been inserted, provided that the economic basis of this
Agreement is not thereby altered.

         11.10 Consents. Except as herein otherwise provided, whenever in this
Agreement the consent or approval of Provider or Franchisee is required, such
consent or approval shall not be unreasonably withheld or delayed. No such
consent shall be effective for purposes of this Agreement unless the same shall
be in writing and shall be duly executed by an authorized officer or agent of
the party granting such consent or approval.

         11.11 Reference to Franchisee. If Franchisee shall comprise more than
one person or entity, then the liability of all parties named as part of
"Franchisee" shall be joint and several.

         IN WITNESS WHEREOF, Provider and Franchisee have duly executed this
Agreement as of the day and year first above written.

PROVIDER: ZLand, Inc., a Delaware corporation

By: /s/ GLENN ABOOD
   ----------------------------------
       Glenn E. Abood, President

FRANCHISEE: Dorado Resources Corp., a British Columbia, Canadian corporation

By: /s/ MICHAEL MEYERS
   ---------------------------------
      Michael Meyers, President

                                       11<PAGE>   1
                                                                   EXHIBIT 10.11

                                ZLAND.COM, INC.
                      BUSINESS PROGRAM FRANCHISE AGREEMENT
                                  -------------

1.      PARTIES

        This ZLAND.COM, INC. BUSINESS PROGRAM FRANCHISE AGREEMENT (the
"Agreement") is dated as of ________________________, 20____, and is between
ZLand.com, Inc. ("ZLand.com"), a Delaware corporation whose principal office is
located at 27081 Aliso Creek Road, Aliso Viejo, California 92656, and
               ______________________________________ ("Franchisee"), with an
address for purposes of this Agreement, at ____________________________________.

2.      NATURE AND SCOPE OF FRANCHISE

        a. ZLand.com and its affiliates have devised and continue to develop
strategic Internet products and services including ZLand.com business
applications, business methods, technical knowledge, commercial ideas,
advertising material, marketing strategies, administrative procedures, business
forms, employee training techniques, which, taken together, provide the basis
for the operation of a proprietary business offering customers the ability to
conduct commerce and other business activities on the Internet with minimal
investment and low monthly costs. These products, ZLand.com's sales methods and
other such information comprise the ZLand.com System. ZLand.com is the licensee
under a royalty free license from its wholly owned subsidiary ZLand (Cayman)
Limited of certain intellectual property rights in certain valuable (i) trade
names, service marks and trademarks, including, without limitation, the names
and phrases "ZLand.com", "e-business for everyone", and
"ebusinessforeveryone.com", and (ii) proprietary rights in software and
proprietary rights to information relating to methods of doing business.
ZLand.com has the right to authorize others to adopt and use the ZLand.com
System in the territory or territories described in Attachment 1 (the
"Territory"). ZLand.com's franchise territory strategy is designed to match the
appropriately qualified franchise operator to each market.

        b. The rights granted to the Franchisee to operate the Territory are set
forth in this Agreement and the accompanying attachments.

        c. The foundation of the ZLand.com System and the essence of this
Agreement is adherence by Franchisee to ZLand.com's standards and policies which
provide for uniform operation and service of all ZLand.com franchisees through
the ZLand.com System including, but not limited to, selling only approved
products and services; the use of only prescribed or approved advertising; and
strict compliance with established customer service policies. Compliance by
Franchisee with the foregoing standards and policies, set forth herein and in
the ZLand.com business manuals, in conjunction with the ZLand.com trademarks and
service marks provides the basis for the valuable good will of the ZLand.com
System. Other material elements of this Agreement include the establishment and
maintenance of a close personal working relationship with ZLand.com in the
conduct of Franchisee's ZLand.com Business, Franchisee's accountability for
performance of the obligations contained in this Agreement, and Franchisee's
adherence to the tenets of the ZLand.com System.

        d. The provisions of this Agreement shall be interpreted to give effect
to the intent of the parties stated in this paragraph 2 so that the Territory
shall be operated in conformity to the ZLand.com System through strict adherence
to ZLand.com's standards and policies as they exist now and as they may be from
time to time modified.

        e. Franchisee acknowledges its understanding of ZLand.com's basic
business policy that ZLand.com will grant franchises only to those individuals
who will work full-time (or hire an acceptable full-time manager) in the
operation of their franchised ZLand.com Business.

3.      FRANCHISE GRANT AND TERM.

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        a. BASIC GRANT. ZLand.com grants to Franchisee, for a stated term, the
right, license and privilege to operate as a ZLand.com franchisee. This includes
the following rights, licenses and privileges:

                (i) to adopt and use the ZLand.com System in the Territory;

                (ii) to advertise to the public that Franchisee is a ZLand.com
                franchisee;

                (iii) to adopt and use, but only in connection with the sale of
                those products and services which have been designated by
                ZLand.com for use in the Territory, the trade names, trademarks
                and service marks which ZLand.com shall designate, from time to
                time, to be part of the ZLand.com System (the "ZLand.com Marks";
                and

                (iv) to operate the ZLand.com System in the Territory. Except as
                otherwise specifically authorized in this Agreement (for example
                with respect to the ZLand.com Reseller Program described in
                paragraph 9 hereof), ZLand.com shall not (A) operate, nor
                authorize any other ZLand.com franchisee to operate within the
                Territory, nor (B) sell, nor authorize any other ZLand.com
                franchisee to sell, to accounts physically situated within the
                Territory. ZLand.com shall give all leads pertaining to
                ZLand.com business in the Territory only to Franchisee.
                ZLand.com authorizes Franchisee to call on all accounts, except
                those that qualify as a major account as described in paragraph
                9 (which sets forth the rules relating to those particular
                accounts) within the Territory. Franchisee shall be responsible
                for such account contracts and also have the right to the Gross
                Profits from such account contracts for the term of said
                contracts. Franchisee shall not operate from any premises
                physically situated outside the Territory whether a main office
                or satellite office. Franchisee shall not call on or market
                directly to, no matter what the method, accounts that are in
                another ZLand.com franchisee's territories or which Franchisee
                or Franchisee's sales people cannot 1) reasonably drive to from
                the Territory and 2) reasonably provide quality service from the
                Territory.

        b. TERM. The term of this Agreement shall begin on the date of execution
of this Agreement and continue for seven years unless terminated prior thereto
pursuant to the provisions hereof.

        c. ZLAND.COM MARKS. ZLand.com hereby grants to Franchisee the right
during the term hereof to use and display the ZLand.com Marks in accordance with
the provisions contained herein and in the confidential Operations Manual,
solely in connection with the operation of the Franchised Business. Franchisee
acknowledges that ZLand.com prescribes minimum standards respecting the nature
and quality of the goods and services used by Franchisee in connection with
which the ZLand.com Marks are used. Franchisee agrees that as between ZLand.com
and Franchisee, the ZLand.com Marks are the exclusive property of ZLand.com.
Franchisee now asserts no claim and will hereafter assert no claim to any
goodwill, reputation or ownership thereof by virtue of Franchisee's franchised
or licensed use thereof or otherwise. It is expressly understood and agreed that
ownership and title of the ZLand.com Marks and ZLand.com's manuals, bulletins,
instruction sheets, forms, methods of operation and goodwill are and, as between
ZLand.com and Franchisee, shall remain vested solely in ZLand.com, and the use
thereof is only co-extensive with the term of this Agreement. Franchisee
acknowledges that the material and information now and hereafter provided and/or
revealed to Franchisee pursuant to this Agreement (including in particular, but
without limitation, the contents of the Confidential Operations Manual) are
confidential trade secrets of ZLand.com and are revealed in confidence, and
Franchisee expressly agrees to keep and respect the confidences so reposed, both
during the term of this Agreement and thereafter. Franchisee agrees to be
responsible for and supervise all of its principals, officers, directors,
partners, employees and agents in order to insure the proper use of the
ZLand.com Marks in compliance with this Agreement. Franchisee shall use the
ZLand.com Marks solely in connection with the Franchised Business and shall not
use or display the ZLand.com Marks in connection with the operation of any
business, the performance of any other service or the conduct of any activity
outside the scope of the Franchised Business. Franchisee shall use the ZLand.com
Marks only in connection with the Franchised Business and agrees that all of
Franchisee's use under this Agreement inures to the benefit of ZLand.com.
Nothing herein shall give Franchisee any right, title or interest in or to any
of the ZLand.com Marks, except a mere privilege and license during the term
hereof to display and use the same strictly according to the limitations
provided in this Agreement and the Confidential Operations Manual.

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If required by applicable law, Franchisee agrees to join with ZLand.com in any
application to enter Franchisee as a registered or permitted user, or the like,
of the ZLand.com Marks with any appropriate governmental agency or entity. Upon
termination of this Agreement for any reason whatsoever, ZLand.com may
immediately apply to cancel Franchisee's status as a registered or permitted
user and Franchisee shall consent in writing to the cancellation and shall join
in any cancellation petition. The expense of any of the foregoing recording
activities shall be borne by Franchisee.

        d. USE AND MODIFICATION OF ZLAND.COM MARKS. In connection with the
operation of the Franchised Business, Franchisee agrees that at all times and in
all advertising, promotions, signs and other display materials, on its
letterheads, business forms, and at the Premises and other authorized business
sites, in all of its business dealings related thereto and to the general
public, it will identify the Franchised Business in such form, size and style as
prescribed in the Confidential Operations Manual using a business name approved
by ZLand.com. Franchisee shall file and keep current a "Fictitious Business Name
Statement" (or similar document) with respect to its business name in the county
or other jurisdiction in which Franchisee is conducting business and at such
other places as may be required by law. Prior to commencing business under the
ZLand.com Marks, Franchisee shall supply evidence satisfactory to ZLand.com that
Franchisee has complied with relevant laws regarding the use of fictitious or
assumed names. Franchisee further agrees that it will not identify itself as (i)
ZLand.com, (ii) the owner of the ZLand.com Marks, (iii) a subsidiary, parent,
division, shareholder, partner, consultant, joint venturer, agent or employee of
ZLand.com or the owner of the ZLand.com Marks, (iv) a licensee of ZLand.com for
a geographical area greater than the Territory licensed hereunder, or (v) any of
ZLand.com's other franchisees. If Franchisee is a corporation, Franchisee shall
not use the ZLand.com Marks in its corporate name. ZLand.com may add to,
substitute or modify any or all of the ZLand.com Marks from time to time, by
directive in the Confidential Operations Manual. Franchisee shall accept, use,
display, or cease using, as may be applicable, the ZLand.com Marks, including
but not limited to, any such modified or additional trade names, trademarks,
service marks, logo types and commercial symbols, and shall within 30 days of
receiving notification, commence to implement such changes and use its best
efforts to complete such changes as soon as practicable.

        e. USE OF OTHER TRADEMARKS. Franchisee shall not use or display or
permit the use or display of trademarks, trade names, service marks, insignias
or logo types other than the Assumed Name and other trademarks and service marks
approved for use by ZLand.com (i) in any advertisement that contains the words
"ZLand.com" or any other ZLand.com Marks, (ii) in or on any Premises or place of
business of Franchisee in any manner that is reasonably visible from outside
such Premises or place of business, (iii) in any computer system used at any
Premises or place of business of Franchisee, (iv) in answering telephones at the
Premises or otherwise in connection with the Franchised Business, in any manner
that could lead any person to believe that such other trademarks, trade names,
service marks, insignias or logo types or the products or services with which
they are associated are owned or offered by ZLand.com or its affiliates, except
as otherwise expressly permitted herein or in the Confidential Operations
Manual.

        f. INFRINGEMENT CLAIMS AND DEFENSE OF ZLAND.COM MARKS. If Franchisee
receives notice or otherwise becomes aware of any claim, suit or demand against
it by any party other than ZLand.com on account of any alleged infringement,
unfair competition or similar matter arising from its use of the ZLand.com Marks
in accordance with the terms of this Agreement, Franchisee shall promptly notify
ZLand.com of any such claim, suit or demand. Franchisee shall have no power,
right or authority to settle or compromise any such claim, suit or demand by a
third party without the prior written consent of ZLand.com. ZLand.com is
obligated to protect and defend the integrity of the ZLand.com Marks, including
the right of Franchisee to conduct the Franchise Business under the ZLand.com
Marks. In its sole discretion, ZLand.com shall determine whether to defend,
compromise or settle in its discretion any such claim, suit or demand at
ZLand.com's cost and expense, using attorneys selected by ZLand.com or the owner
of the ZLand.com Marks, and Franchisee agrees to cooperate fully in such matter,
at no cost or expense to Franchisee (except if the claim, suit or demand arises
as a result of action or inaction or gross negligence of Franchisee). ZLand.com
shall have the sole discretion to determine whether a similar trademark or
service mark being used by a third party is confusingly similar to the ZLand.com
Marks being used by Franchisee and whether and what subsequent action, if any,
should be undertaken with respect to such similar trademark or service mark.

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4.      SUCCESSOR FRANCHISE. Franchisee shall have the right to a successor
franchise for the Territory as described in this Agreement provided Franchisee
meets all the requirements set forth in this section below. Franchisee
understands and acknowledges that any such successor franchise shall be on the
then-current terms set forth in the then-current standard ZLand.com franchise
agreement, which may be substantially different from the terms contained herein.
Franchisee must give written notice that it wishes to apply for a successor
ZLand.com franchise not less than six months, but not more than 12 months, prior
to the expiration of this Agreement.

        a. A successor franchise shall be granted to Franchise if Franchisee
meets all of the conditions and requirements set forth below:

                1) Pay a fee equal to the greater of (i) 25% of the then-current
                License Fee and Market Premium Fee applicable to the Territory
                or (ii) $7,500, along with the notice and application for the
                successor franchise. In the event that the successor franchise
                is not granted, this fee will be returned, less any costs
                associated with processing the application;

                2) Bring the Premises and Territory into full compliance with
                this Agreement and all other agreements with ZLand.com;

                3) Bring the Premises and Territory and Franchisee's operations
                into full compliance with the specifications and standards then
                applicable for new ZLand.com franchisees and present evidence
                satisfactory to ZLand.com thereof;

                4) Satisfy all monetary obligations owed to ZLand.com;

                5) Execute a mutual release with ZLand.com as to all claims,
                liabilities and/or obligations, of any nature whatsoever,
                however arising, known or unknown, relating to the Territory or
                any other franchise territory or contract with ZLand.com;

                6) Comply with ZLand.com's then-current qualification and
                training requirements for which Franchisee shall be responsible
                for all retraining costs, travel, meals, lodging and other
                expenses of Franchisee's personnel; and

                7) Upon approval of Franchisee's application for successor
                franchise, sign the then current ZLand.com Franchise Agreement.

5.      COMMENCEMENT DATE. The Commencement Date will be the earlier of 90 days
after the signing of this Agreement or the date when Franchisee satisfactorily
completes the initial training session. Franchisee shall not begin operation of
the Territory until satisfactory completion of the initial training session.

6.      GENERAL SERVICES OF ZLAND.COM. ZLand.com shall advise and consult with
Franchisee periodically in connection with the operation of the Territory and
also, upon Franchisee's request, at other reasonable times. ZLand.com shall
communicate to Franchisee its know-how, new developments, techniques and
improvements in areas of sales, product development and services that are
pertinent to the operation of a Territory using the ZLand.com System. The
communications shall be accomplished via online, telephonic or face-to-face
discussions, online reports, seminars or mailings, and training sessions.
ZLand.com shall also make available to Franchisee all additional services,
facilities, rights and privileges relating to the operation of the Territory,
which ZLand.com makes generally available, from time to time, to all its
franchisees operating territories.

7.      CUSTOMER BILLING AND COLLECTION PROCEDURE. ZLand.com provides a
centralized billing and collection service. All products and services, whether
or not obtained from ZLand.com or ZLand.com affiliates, offered or otherwise
provided in the Territory by Franchisee and/or any similar businesses will be
billed to the customer through our centralized billing service. ZLand.com will
pay to Franchisee a percentage (minimum 40%, or higher as set forth in the
business manuals described in paragraph 12

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below) of the Gross Sales proceeds from products and services billed to and
collected from customers in the Territory.

8.      SALES OUTSIDE OF YOUR TERRITORY. Franchisee shall not sell to any
accounts physically located within the territory of another ZLand.com
franchisee. However, Franchisee may sell to accounts not physically located
within the territory of another ZLand.com franchisee for so long as the
territory remains unoccupied under the following restrictions:

        a. ACCOUNT OWNERSHIP. In the event that a previously unoccupied
territory is sold, the new territory owner shall own the right to receive Gross
Sales percentage payments from all new account contracts and or renewed existing
contracts in that territory. Such right to receive Gross Sales percentage
payments from pre-existing contracts in the territory shall remain with the
selling franchise owner for the term (not renewal terms) of the existing
contract with that customer up to a maximum of 12 months after the new territory
owner begins operating.

        b. RIGHT TO PURCHASE CONTIGUOUS TERRITORY. If and when the Gross Sales
outside the Territory reach an aggregate of $300,000 (including one time and
recurring fees), Franchisee shall have 60 days to decide to purchase ZLand.com
franchise rights to another territory contiguous to the Territory, if one is
available. If Franchisee does not purchase an available additional territory
within the 60-day period, all accounts outside the Territory (including
pre-existing contracted accounts) shall automatically switch to a
ZLand.com-owned ("company owned") account status.

9.      SOLICITATION AND SERVICE OF MAJOR ACCOUNTS. Major Accounts are defined
as accounts in which the customer employs more than 500 employees, more than 50%
of whom are employed outside of Franchisee's Territory. Due to the nature of
these accounts, the involvement of more than one franchisee or ZLand.com may be
needed to provide the customer with quality service. In order to ensure that
such quality service is provided, Franchisee must apply to ZLand.com to get
authorization to call on such an account at which time ZLand.com will inform
Franchisee of any existing account history of which ZLand.com is aware. In order
to proceed with the sale or service of such an account, Franchisee must submit a
marketing plan, the format of which is detailed in the business manuals, which
will set forth the terms and conditions under which Franchisee propose to
provide customer with service. ZLand.com will review the marketing plan and
determine whether to approve, modify or disapprove it. ZLand.com will make its
determination based on the quality of service Franchisee can reasonably provide
the customer, the effect such services would have on the franchise channel, and
the history of Franchisee's previously submitted plans. In the event that
ZLand.com does not approve Franchisee's marketing plan and Franchisee wish to
contest such a decision, the matter will be brought before the ZLand.com
Franchise Advisory Council (described in paragraph 22 below) for final
determination.

10.     GROSS SALES. For the purposes of this Agreement, the term "Gross Sales"
shall be defined as the total dollar amount of all sales (including but not
limited to one time, recurring or any other types of fees) by Franchisee or any
similar business.

11.     REQUIRED SOFTWARE. Franchisee is required to use Actionware CRM
software, which is provide to Franchisee by ZLand.com at no additional charge.
ZLand.com will make available to Franchisee, at ZLand.com's cost, the ZLand.com
Central Accounting Software Package. Franchisee may use the ZLand.com Central
Accounting Software Package or other accounting software reasonably acceptable
to ZLand.com.

12.     BUSINESS MANUALS. Franchisee shall use a standard chart of accounts as
provided in the business manuals. ZLand.com shall provide Franchisee with the
business manuals prepared by ZLand.com for use by franchisees of ZLand.com
territories similar to the Territory. Such manuals may be provided via hard
copies or on-line files, at ZLand.com's discretion. The business manuals contain
detailed information including: 1) required operational procedures; 2) sales
methods; 3) bookkeeping and accounting procedures and required reports; 4)
business practices and policies; 5) Gross Sales proceeds percentage payments to
Franchisee under paragraph 7 above; and 6) other management and advertising
policies. Franchisee agrees to promptly adopt and use exclusively the practices,
methods and policies contained in the business manuals, now and as they may be
modified by ZLand.com from time to time. Franchisee acknowledges that ZLand.com
is the owner of all proprietary rights in and to the ZLand.com

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System and that information revealed in the business manuals, in their entirety,
constitutes confidential trade secrets. Without the prior written consent of
ZLand.com, Franchisee shall not disclose the contents of the business manuals to
any person, except employees of Franchisee, who have signed a nondisclosure
agreement regarding such information, for purposes related solely to the
operation of the Territory, nor shall Franchisee reprint or reproduce the
manuals in whole or in part for any purpose except in connection with
instruction of employees in the operation of the Territory. Such manuals, as
modified by ZLand.com from time to time, and the policies contained therein, are
incorporated in this Agreement by reference.

13.     IMPROVEMENTS. Any improvements to the ZLand.com System or the ZLand.com
products or services conceived, developed, or acquired by Franchisee shall be
promptly disclosed in writing to ZLand.com, and Franchisee agrees to immediately
thereon assign, and hereby does assign, its entire right, title, and interest
in, to, and under such improvements including, without limitation, all
intellectual property rights therein, to ZLand.com. Franchisee shall not
implement or use any such improvements unless and until authorized to do so in
writing by ZLand.com. Additionally, until such authorization to implement and
use is given by ZLand.com Franchisee shall maintain the Improvements in strict
confidence.

14.     ADVERTISING. Franchisee shall use only advertising and promotional
materials and programs provided by ZLand.com or approved in advance, in writing,
by ZLand.com. All such materials must be submitted to ZLand.com at least two
weeks prior to their intended publication or use. The approval by ZLand.com of
Franchisee's advertising and promotional material or the providing of such
material by ZLand.com to Franchisee shall not, directly or indirectly, require
ZLand.com to pay for such advertising or promotion.

        a. For local and regional advertising, Franchisee shall expend a minimum
of $2,500, subject to inflation adjustment, each month on local advertising
during their first year of operation of the Territory. For each annual period
thereafter, Franchisee shall spend each month at least the greater of (i) 3% of
Franchisee's monthly Gross Sales or (ii) $1,000, subject to "inflation
adjustment" as provided in paragraph 39 hereof. Amounts paid out in excess of
the minimum requirement in one month may be applied to the subsequent month's
minimum requirement. Franchisee shall submit quarterly reports on the
expenditure of such funds although the funds must be expended as required
monthly. ZLand.com may in the future institute a regional advertising, publicity
and marketing coop (the "Regional Marketing Coop") in which each ZLand.com
member franchisee shall have votes equal to the number of Market Points in their
respective territory. The Regional Marketing Coop shall create its own by-laws
with ZLand.com's approval. Until such Regional Marketing Coop is instituted,
Franchisee's expenditures of a regional nature shall be counted against their
local advertising requirements.

        b. ZLand.com may in the future institute a national advertising,
publicity and marketing fund (the "National Marketing Fund") for such
advertising, advertising-related, marketing and/or public relations programs,
services and/or materials as ZLand.com, in its sole discretion, deem necessary
or appropriate. When instituted, the National Marketing Fund may be combined
with any marketing fund otherwise established for ZLand.com franchisees and the
funds merged for use in accordance with this Agreement. ZLand.com shall be have
the right to use funds for regional advertising if, in its sole discretion,
ZLand.com determines that such funds will be more effectively used in this
manner. Any funds so diverted to regional advertising shall be diverted to
regional advertising in the region from which they were received. For national
advertising, Franchisee shall contribute each month the greater of (i) 1% of
Gross Sales or (ii) $500, subject to inflation adjustment. Until such time as
ZLand.com institutes a National Marketing Fund, in addition to and under the
same terms as the amounts required by subparagraph a above, Franchisee shall be
required to spend each month on local advertising the greater of (i) 1% of Gross
Sales or (ii) $500, subject to inflation adjustment. By the 15th day of the
month following the quarter end, Franchisee shall submit reports on the monthly
expenditure of such funds during the prior three months.

15.     TRAINING. Franchisee acknowledges the importance of uniform quality of
business operations among all territories in the ZLand.com System and agrees to
enroll Franchisee (or the general manager), Franchisee's sales staff, and
Franchisee's production staff, present and future, in ZLand.com "Basic
Training", which consists of the basic training required to establish such
persons as qualified for their

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respective positions. ZLand.com shall make available to Franchisee the services
of its training staff for Basic Training at no charge for the first year
Franchisee operates the Territory. ZLand.com shall bear the cost of maintaining
the training center, including the overhead costs of training, staff salaries,
and training materials and agrees to provide to Franchisee both basic and
advanced instruction for the operation of a ZLand.com System territory.
Franchisee shall pay all traveling, living, compensation or other expenses
incurred by Franchisee and Franchisee's employees in connection with attendance
to such training. If Franchisee, or Franchisee's designated general manager, has
not successfully completed ZLand.com's Basic Training within 120 days after this
Agreement is signed, (i) Franchisee will be refunded the License Fee and Market
Premium Fee described in paragraph 17, minus ZLand.com's costs for such training
and (ii) this Agreement will terminate, with no further obligation by either
party.

16.     PERFORMANCE STANDARD. On a semi-annual basis, ZLand.com computes the
"Applicable Standard", by dividing (i) total Gross Sales in the ZLand.com system
in the United States during the previous six months by (ii) the total number of
"Market Points" (as defined in paragraph 17.a. below) in the ZLand.com system in
the United States at the date of computation. Every six months, beginning 12
months after the Commencement Date, ZLand.com will compare (i) Franchisee's
Gross Sales (as recorded in the centralized ZLand.com billing system) made to
accounts whose primary office is located in Franchisee's Territory with (ii) the
most recent Applicable Standard. If Franchisee's Gross Sales do not equal at
least 50% of the Applicable Standard at the end of any six-month period,
Franchise shall be notified that it has not met the Applicable Standard and it
shall have six months in which to correct the situation and meet the next
Applicable Standard as determined six months later. If Franchisee does not meet
the next Applicable Standard, Franchisee shall have five days to indicate in
writing whether or not Franchisee wishes to sell Franchisee's Territory to a
third party. If Franchisee indicates that it wishes to sell its Territory,
Franchisee will have 120 days after the date of such notice to complete such
sale, subject to all requirements of this Agreement. Franchisee will, at the
time of sale, sign a general release, in a form prescribed by ZLand.com, of any
and all claims, liabilities and/or obligations, of any nature whatsoever,
however arising, known or unknown, against ZLand.com. If Franchisee does not,
within such five days, so advise ZLand.com of its wish to sell the Territory to
a third party, or if no sale meeting the requirements of this Agreement takes
place within such 120 days, or Franchisee wishes not to sign a general release,
Franchisee's rights, and ZLand.com's obligations, under this Agreement will
terminate immediately on mailing of written notice of termination.

17.     INITIAL FEES.

        a. MARKET POINTS. To develop and identify each ZLand.com territory,
ZLand.com has assigned a "Market Point" value based on the number of employees
in every business in each zip code throughout the U.S., ranging from .5 point
for businesses with fewer than 20 employees to up to 50 points for businesses
with 500 or more employees. Each territory consists of at least 5,000 Market
Points, but may contain considerably more Market Points. The number of Market
Points in the Territory is specified in Attachment 1 hereto.

        b. LICENSE FEE. For each increment of 5,000 Market Points in the
Territory (as specified in Attachment 1), Franchisee will pay ZLand.com a
License Fee of $30,000.

        c. MARKET PREMIUM FEE. In addition to the License Fee, Franchisee will
pay to ZLand.com a Market Premium Fee of $6 per Market Point in excess of the
last 5,000-Market Point increment applicable to the Territory (see Attachment
1).

        d. FRANCHISEE ACKNOWLEDGMENT. Franchisee acknowledges that (i) the
initial grant of this Territory and Agreement constitutes the sole consideration
for the payment by Franchisee to ZLand.com of the License Fee and Market Premium
Fee, and (ii) ZLand.com has fully earned the License Fee and Market Premium Fee
(except where Franchisee, or Franchisee's designated general manager, has not
successfully completed ZLand.com's Basic Training).

18.     REPORTS. By the close of business every Friday, Franchisee shall
coordinate/replicate those databases described in the business manuals with the
ZLand.com System master databases, in the manner specified by ZLand.com in the
business manuals. Franchisee shall submit the reports relating to the above
databases specified by ZLand.com in the business manuals. On or before the 15th
day of the month following the quarter end, Franchisee shall submit, in such
form as ZLand.com shall reasonably

                                       7

<PAGE>   8
require from time to time and as described in the business manuals, the
financial reports showing the income and expenses of the Territory. Franchisee
shall keep and preserve full and complete records of Gross Sales for at least
three years in a manner and form satisfactory to ZLand.com and shall also
deliver such additional financial, operating and other information and reports
as ZLand.com may reasonably request on the forms and in the manner prescribed by
ZLand.com. Franchisee further agrees to submit within 90 days following the
close of each fiscal year of the Territory operation, a profit and loss
statement covering operations during such fiscal year and a balance sheet taken
as of the close of such fiscal year, all prepared in accordance with generally
accepted accounting principles and ZLand.com requirements as described in the
business manuals. If ZLand.com shall request certification, a public accountant
shall certify the profit and loss statement and the balance sheet, if any, and
consult with ZLand.com concerning such statement and balance sheet. The original
of each such report required by this paragraph 18 shall be mailed to ZLand.com
at the address indicated in paragraph 33 herein.

        ZLand.com shall have the right, at its expense, to inspect and/or audit
Franchisee's accounts, books, database data, records and tax returns at all
times to insure that Franchisee is complying with the terms of this Agreement.
Franchisee shall have the right, at its expense and at any time, to inspect or
cause to be inspected any and all records of their Territory, which are stored
on-line. Franchisee shall also have the right, at its expense and at any time
during business hours, to inspect and audit, or cause to be inspected and
audited, accounting and sales records which relate to the operation of their
Territory. If such inspection discloses that Franchisee has been materially
false in its reports to ZLand.com, Franchisee shall bear the cost of such
inspection and audit. Otherwise, ZLand.com shall bear the cost of such
inspection and audit.

19.     RESTRICTIONS. Franchisee agrees and covenants as follows:

        a. During the term of this Agreement, Franchisee shall not, without the
prior written consent of ZLand.com, directly or indirectly, engage in, acquire
any financial or beneficial interest (including interests in corporations,
partnerships or trusts, unincorporated associations and joint ventures) in, or
become a part of any business which is similar to the franchise granted in this
Agreement.

        b. For a period of 18 months after termination of this Agreement for any
reason or the sale of the Territory, Franchisee shall not directly or
indirectly, engage in or acquire any financial or beneficial interest (including
interests in corporations, partnerships or trusts, unincorporated associations
and joint ventures) in, or become a part of any business which is similar to the
franchise granted under this Agreement.

        c. Franchisee shall not appropriate, use, or duplicate the ZLand.com
System, or any portion thereof, for use in any other business or other similar
business.

        d. Franchisee shall not disclose or reveal any portion of the ZLand.com
System to a non-franchisee other than to Franchisee's employees as an incident
of their training.

        e. Franchisee shall acquire no right to use, or to license the use of,
any name, mark or other intellectual property right granted or to be granted
herein, except in connection with the operation of the Territory and then only
so long as Franchisee is compliance with this Agreement.

        f. Franchisee shall not use any name, mark or other intellectual
property granted or to be granted herein, except in connection with the
operation of the Territory and as specified in the business manuals;

        The restrictions contained in subsections (a) and (b) of this paragraph
19 shall not apply to persons who own less than 2% of the shares of a company
whose shares are listed and traded on a national or regional securities
exchange.

20.     COMPLIANCE WITH ENTIRE SYSTEM. Franchisee acknowledges that every
component of the ZLand.com System is important to ZLand.com and to the operation
of the Territory as a ZLand.com franchise, including a designated product list,
uniformity of service, sales methods, and quality of service.

                                       8

<PAGE>   9
        ZLand.com shall have the right to inspect the Territory at all
reasonable times to ensure that Franchisee's operation thereof is in compliance
with the standards and policies of the ZLand.com System.

        Franchisee shall comply with the entire ZLand.com System, including, but
not limited to, the following:

        a. Operate the Territory in a professional manner; comply with all
business policies, practices and procedures established by ZLand.com; sell
through the Territory only the products and services now and hereafter
designated by ZLand.com; and maintain the quality of service in compliance with
designated standards as may be prescribed from time to time by ZLand.com.

        b. Purchase computer hardware and software in accordance with the
equipment specifications designated by ZLand.com, and, promptly after notice
from ZLand.com that the Territory needs such equipment, cause the installation
thereof;

        c. Operate the Territory from the Premises, which must conform to site
requirements contained in the business manuals;

        d. Have an answer on Franchisee's ZLand.com business telephone lines
during all hours, business or non-business hours, as described in the business
manuals; and

        e. Obtain a signed Non-Disclosure and Non-Competition Agreement for each
of their affiliates, paid employees or non-paid workers within ten days after
the affiliate or employee assumes that status with Franchisee;

21.     BEST EFFORTS. Franchisee shall diligently and fully exploit the rights
granted in this Agreement by personally devoting full time and best efforts. In
the event that Franchisee hires a general manager to operate the Territory or
more than one individual, a corporation, or a partnership has executed this
Agreement as Franchisee, then
_______________________________________________________ shall personally devote
full time and best efforts to the operation of the Territory. Franchisee shall
keep from conflicting enterprises or any other activities that would be
detrimental to or interfere with the business of the Territory.

22.     FRANCHISEE ADVISORY COUNCIL. ZLand.com Franchisees have established the
ZLand.com Franchise Advisory Council ("ZFAC"). The ZFAC is adopting its own
rules, regulations and procedures, provided they do not conflict with any
provision of this Agreement.

23.     INTERFERENCE WITH EMPLOYMENT RELATIONS OF OTHERS. During the term of
this Agreement, Franchisee shall not employ or seek to employ any person who is
at the time employed by ZLand.com, any of its subsidiaries, or by any person who
is at the time operating a ZLand.com franchise or otherwise induce, directly or
indirectly, such person to leave such employment. This paragraph 23 shall not be
violated if such person has left the employ of any of the foregoing parties for
a period in excess of six months.

24.     ASSIGNMENT. Franchisee shall not assign or otherwise transfer in whole
or in part (whether voluntarily or by operation of law) directly, indirectly, or
contingently Franchisee's interest in this Agreement without the prior written
consent of ZLand.com, which consent shall not be withheld unreasonably. In the
event that ZLand.com grants such written consent, any such assignment or
transfer shall comply with the terms set forth below in this paragraph 24 and
shall require payment to ZLand.com of a transfer fee of $4,000 plus 25% of the
initial fee specified in paragraph 17 unless otherwise noted below.

        a. DEATH OR PERMANENT INCAPACITY OF FRANCHISEE. Upon the death or
permanent incapacity of Franchisee, the interest of Franchisee in this Territory
may be assigned either pursuant to the terms of sub-paragraph (d) herein or to
one or more of the following persons: Franchisee's spouse, heirs, or nearest
relatives by blood or marriage, subject to the following conditions: (i) such
person shall meet the then current requirements and pass the then current
testing and interviewing process for new franchise applicants, and (ii) such
person shall also execute an agreement by which the person personally assumes

                                       9

<PAGE>   10
full and unconditional liability for and agrees to perform all the terms and
conditions of this Agreement to the same extent as the original Franchisee. If
such person cannot meet the above conditions, ZLand.com shall have the option to
operate and/or manage the Territory on behalf of Franchisee or of Franchisee's
estate until the deceased or incapacitated Franchisee's interest is transferred
to another party acceptable to ZLand.com in accordance with the terms and
conditions of this Agreement. However, in no event shall ZLand.com operate and
manage the Territory for a period in excess of 12 full calendar months without
the consent of Franchisee or Franchisee's estate. In the event that ZLand.com so
operates and/or manages the Territory, ZLand.com shall make a complete account
to and return the net income from such operation to the Franchisee or to the
Franchisee's estate, less a reasonable management fee and expenses. If the
disposition of the Territory to a party acceptable to ZLand.com has not taken
place within 12 months from the date that ZLand.com has commenced the operation
or management of the Territory on behalf of the deceased or incapacitated
Franchisee, then ZLand.com shall have the option to purchase the Territory at
fair market value for cash or its common stock at its option.

        b. ASSIGNMENT TO FRANCHISEE'S CORPORATION. ZLand.com shall, upon
Franchisee's compliance with such requirements as may from time to time be
prescribed by ZLand.com, including a Stockholders Agreement in the form
prescribed by ZLand.com, consent to an assignment to a corporation whose shares
are wholly owned and controlled by Franchisee. The corporate name of the
corporation shall not include any of the names or trademarks granted by this
Agreement. In the event of such a transfer, the transfer fee shall be waived.
Any subsequent assignment or transfer, either voluntarily or by operation of
law, of all or any part of said shares shall be made in compliance with the
terms and conditions set forth in sub-paragraph (a) and (b) herein.

        c. OTHER ASSIGNMENT. In addition to any assignments or contingent
assignments contemplated by the terms of sub-paragraphs (a) and (b) of this
paragraph 24, Franchisee shall not sell, transfer or assign this Territory or
Agreement to any person or persons without ZLand.com's prior written consent.
Such consent shall not be unreasonably withheld. In the event that any transfer
under this section is made to an existing ZLand.com franchisee, the transfer fee
shall be waived. In determining whether to grant or withhold such consent,
ZLand.com shall consider for each prospective transferee, by way of
illustration, the following: (i) work experience and aptitude, (ii) financial
background, (iii) character, (iv) ability to personally devote full time and
best efforts to managing the Territory, (v) residence in the locality of the
Territory, (vi) equity interest in the Territory, (vii) conflicting interests,
(viii) willingness to sign the then current Agreement, and (ix) such other
criteria and conditions as ZLand.com shall then apply in the case of an
application for a new franchise to operate a ZLand.com franchise. ZLand.com's
consent shall also be conditioned upon each transferee's execution of an
agreement by which transferee personally assumes full and unconditional
liability for and agrees to perform from the date of such transfer all
obligations, covenants and agreements contained in this Agreement to the same
extent as if transferee had been an original party to this Agreement.
Franchisee-transferor shall continue to remain personally liable for all
affirmative obligations, covenants and agreements contained herein for the full
term of this Agreement unless Franchisee-transferor executes a mutual release of
all claims known and unknown with ZLand.com, in a form satisfactory to
ZLand.com, at the time of the transfer.

        d. FIRST OPTION TO PURCHASE. At least 20 days prior to the proposed
effective date, Franchisee or Franchisee's representative shall give ZLand.com
written notice of intent to sell or otherwise transfer this Territory or
Agreement pursuant to sub-paragraph (d) of this paragraph 24. The notice shall
set forth the name and address of the proposed purchaser and all the terms and
conditions of any offer. ZLand.com shall have the first option to purchase the
Territory by giving written notice to Franchisee of its intention to purchase on
the same terms as the offer within ten days following ZLand.com's receipt of
such notice. However, if ZLand.com fails to exercise its option and the
Territory is not subsequently sold to the proposed purchaser for any reason,
ZLand.com shall continue to have, upon the same conditions, a first option to
purchase the Territory upon the terms and conditions of any subsequent offer.

25.     FRANCHISEE NOT AN AGENT OF ZLAND.COM. Franchisee shall have no
authority, express or implied, to act as agent of ZLand.com or any of its
affiliates for any purpose. Franchisee is, and shall remain, an independent
contractor responsible for all obligations and liabilities of, and for all loss
or damage to, the Territory and its business and for all claims or demands based
on damage or destruction

                                       10

<PAGE>   11
of property or based on injury, illness or death of any person or persons,
directly or indirectly, resulting from the operation of the Territory. Further,
Franchisee and ZLand.com are not and do not intend to be partners, associates,
or joint employers in any way and ZLand.com shall not be construed to be jointly
liable for any acts or omissions of Franchisee under any circumstances.

26.     INSURANCE. Franchisee shall, at all times during the term of this
Agreement, and for a period of three years thereafter, maintain insurance to
protect ZLand.com and its successors from the claims, losses and liabilities for
which Franchisee is obligated to protect, defend, hold harmless, and indemnify
ZLand.com and its successors pursuant to this Agreement including, but not
limited to, (i) claims under Worker's Compensation and State Disability Acts;
(ii) claims for damages because of bodily injury, sickness, disease or death of
any of Franchisee's employees or of any other person which arises out of any act
or omission by Franchisee, Franchisee's employees or agents; (iii) claims for
damages because of injury to or destruction of tangible property, including loss
of use resulting therefrom, which arise out of any act or omission of
Franchisee, Franchisee's employees or agents; and (iv) product liability claims
arising out of Franchisee's manufacture, marketing, use, distribution or sale of
any products or services. The insurance maintained by Franchisee shall include a
general liability insurance policy in an amount of at least $1,000,000 or in
such greater amounts as ZLand.com may from time to time reasonably require. Such
policies shall name ZLand.com as an additional insured. Such policies shall
provide that the same may not be canceled or modified without 30 days prior
notice to ZLand.com. Each time any such policy is issued or renewed, Franchisee
shall furnish ZLand.com with a certificate of insurance showing ZLand.com as an
additional insured and indicating that such policy may not be canceled or
modified without 30 days prior notice to ZLand.com. In addition, if requested by
ZLand.com, Franchisee shall furnish ZLand.com with a complete copy of each such
policy. If such a policy is not obtained, Franchisee authorize ZLand.com to
obtain such a policy and charge any and all amounts incurred to Franchisee and
deduct said amount from any amounts then due from ZLand.com to Franchisee.
ZLand.com shall, for the duration of this Agreement, maintain a general business
liability insurance policy in the amount of at least $1,000,000 or in such
greater amount that ZLand.com may from time to time consider necessary.

27.     TERMINATION BY FRANCHISEE. Franchisee may terminate this Agreement by
giving ZLand.com 90 days written notice and sign a general release, in form
prescribed by ZLand.com, of any and all claims, liabilities and/or obligations,
of any nature whatsoever, however arising, known or unknown, against ZLand.com.

28.     IMMEDIATE TERMINATION BY ZLAND.COM. The parties agree that the
occurrence of any of the following events shall constitute a material breach of
this Agreement and violate the essence of Franchisee's obligations. In the event
that any of the following events occur, ZLand.com may, at its election and
without prejudice to any of its other rights or remedies at law or in equity,
immediately terminate this Agreement upon written notice of such election to
Franchisee:

        a. Except as otherwise required by the United States Bankruptcy Code, if
Franchisee becomes insolvent, is adjudicated a bankrupt or files or has filed
against them a petition in bankruptcy, reorganization or similar proceeding;

        b. If Franchisee is convicted of a felony or any criminal misconduct;

        c. If Franchisee or any affiliates bills any customer directly for any
Zland.com products and services;

        d. If Franchisee begins operation of its Territory without
satisfactorily completing the initial training;

        e. If Franchisee has been in default (even if cured and whether or not
for the same reason) more than three times in any one year period; or

        f. If Franchisee files any legal action (including arbitration) against
ZLand.com and/or any related entities and does not receive a final judgment or
award substantially in their favor on the merits.

29.     NOTICED TERMINATION BY ZLAND.COM. The parties agree that the occurrence
of any of the following events shall constitute a material breach of this
Agreement and, without prejudice to any of its other rights or remedies at law
or in equity, ZLand.com at its election, may terminate this Agreement upon

                                       11

<PAGE>   12
the occurrence of any of the following events with 30 days written notice if the
notified breach has not been cured within the 30 day notice period:

        a. If Franchisee fails to submit to ZLand.com in a timely manner any
information Franchisee is required to submit under this Agreement and/or the
business manuals;

        b. If Franchisee fails to begin operation of the Territory within 90
days of the Commencement Date of this Agreement, or if Franchisee fails to
operate their Territory in accordance with the business manuals;

        c. If Franchisee owns or operates any unauthorized Territory or sells,
distributes or offers for sale outside of their Territory any other products or
services without ZLand.com's written approval;

        d. If Franchisee fails to make any payment when due under this
Agreement, the business manuals or any other agreement between Franchisee and
ZLand.com or any affiliate;

        e. If Franchisee fails to make advertising expenditures when required
under this Agreement, the business manuals or any other agreement between
Franchisee and ZLand.com or any affiliate;

        f. If Franchisee misuses the trade name, trademarks or service marks, or
the ZLand.com System or engages in conduct which reflects materially and
unfavorably upon the goodwill associated with them or if Franchisee uses in a
ZLand.com Territory business any names, marks, systems, logotypes or symbols
that ZLand.com has not authorized Franchisee to use;

        g. If Franchisee or any affiliates have any direct or indirect interest
in the ownership or operation of any business that is confusingly similar to a
ZLand.com Territory business or uses the ZLand.com System or any trade names,
trademarks or service marks associated therewith;

        h. If Franchisee fails to obtain a signed Non-Disclosure and
Non-Competition Agreement for each of their affiliates, paid employees or
non-paid workers within ten days after the affiliate or employee assumes that
status with Franchisee;

        i. If Franchisee attempts to assign their rights under this Agreement in
any manner not authorized by this Agreement;

        j. If Franchisee or any affiliates have made any material
misrepresentation in connection with the acquisition of the Territory to induce
ZLand.com to enter into this Agreement;

        k. If Franchisee acts without ZLand.com's prior approval or consent in
regard to a matter for which ZLand.com's prior approval or consent is expressly
required by this Agreement and/or the business manuals;

        l. If Franchisee, their general manager or their employees fail to
answer the Territory's business telephone line for a period of three consecutive
business days, exclusive of weekends and Federal or State holidays;

        m. If Franchisee fails to permanently correct a breach of this Agreement
or to meet the standards set out in the business manuals after being twice
requested in writing by ZLand.com to correct the problem in any 12-month period;

        n. If Franchisee lists or places any unauthorized copyrighted or
trademarked material or any material legally judged to be obscene, threatening,
libelous or classified by the United States government on ZLand.com's servers;
or

        o. If Franchisee fails to meet the performance criteria set out in
paragraph 16.

                                       12

<PAGE>   13
30.     WITHHOLDING CONSENT TO TRANSFER. Any uncured breach of the terms of this
Agreement shall be sufficient reason for ZLand.com to withhold approval of its
consent to any assignment or transfer of Franchisee's interest in this Territory
provided for herein.

31.     EFFECT OF TERMINATION BY ZLAND.COM.

        a. In the event of any termination of this Agreement by ZLand.com,
ZLand.com shall have an immediate right to enter and take possession of the
Premises and Territory in order to maintain continuous operation of the
Territory, to provide customers with an acceptable level of customer service, to
provide for orderly change of management and disposition of personal property,
and to otherwise protect ZLand.com's interests.

        b. Upon termination or expiration of this Agreement, Franchisee shall
forthwith return to ZLand.com any copies of the business manuals in Franchisee's
possession, together with all other material containing trade secrets, operating
instructions or business practices; discontinue the use of the ZLand.com System
and its associated trade names, service marks and trademarks or the use of any
and all signs, printed or online advertising bearing the name and marks, or any
reference to them; not disclose, reveal or publish all or any portion of the
ZLand.com System; and Franchisee shall not thereafter use any trade name,
service mark or trademark similar to or likely to be confused with those of
ZLand.com.

32.     EFFECT OF WAIVERS. No waiver by ZLand.com or any breach or a series of
breaches of this Agreement shall constitute a waiver of any subsequent breach or
waiver of the terms of this Agreement.

33.     NOTICES. Any notice hereunder shall be in writing and shall be delivered
by personal service or by United States certified or registered mail, with
postage prepaid, addressed to Franchisee at the Premises or to ZLand.com at
27081 Aliso Creek Road, Aliso Viejo, California 92656. Either party, by a
similar written notice, may change the address to which notices shall be sent.

34.     DISPUTE RESOLUTION. Both parties agree to resolve any and all claims,
disputes and disagreements if the following manner:

        a. First, the matter will be discussed in a face-to-face meeting between
the parties. This meeting will be held at a location reasonably convenient to
Franchisee and within 30 days after either party gives written notice to the
other proposing such a meeting.

        b. If the matter is not successfully resolved, it will be resolved by
submission for binding arbitration in Orange County, California before and in
accordance with the arbitration rules of Franchise Arbitration and Mediation
Services ("FAM"); provided that if such arbitration is unable to be heard by FAM
for any reason, the arbitration will be conducted before and in accordance with
the Commercial Arbitration Rules of the American Arbitration Association. The
parties shall share equally the fees and expenses of the arbitrator(s) and/or
arbitration organization. In each case, the parties to any mediation/arbitration
will execute appropriate confidentiality agreements, excepting only such public
disclosures and filings required by law. Each participant must submit or file
any claim that would constitute a compulsory counterclaim (as defined by the
applicable rule under the Federal Rules of Civil Procedure) within the same
proceeding as the claim to which it relates. Any such claim that is not
submitted or filed in such proceeding will be forever barred.

        c. The obligation herein to mediate and/or arbitrate will not be binding
on ZLand.com with respect to claims or issues relating primarily to (i) the
validity of any trade-marks, service marks or other intellectual property of
ZLand.com's, (ii) ZLand.com's rights to obtain possession of any real and/or
personal property (including any action in unlawful detainer, ejectment or
otherwise) and/or (iii) ZLand.com's rights to receive and enforce a temporary
restraining order, preliminary injunction, permanent injunction or other
equitable relief.

        d. If any party to an arbitration wishes to appeal any final award by an
arbitrator (there will be no appeal of interim awards or other interim relief),
that party can appeal, within 30 days of such final award, to a three arbitrator
panel to be appointed by the same organization as conducted the arbitration. The

                                       13

<PAGE>   14
issues on appeal will be limited to the proper application of the law to the
facts found at the arbitration and will not include any trial de novo or other
fact-finding function. The party requesting such appeal must pay all costs and
fees charged by such arbitration appeal panel and/or arbitration organization in
connection with such appeal, as well as posting any bond deemed appropriate by
such arbitration organization or arbitration appeal panel. In addition, a party
requesting appeal, and who does not prevail on appeal, will pay the other
party's (or parties') attorneys' fees and other costs of responding to such
appeal.

        e. Each party knowingly waives all rights to trial by a court or jury,
understanding that arbitration may be less formal than a court or jury trial,
may use different rules of procedure and evidence and that appeal is generally
less available, still strongly preferring arbitration to resolve any disputes,
except as provided in subsection (d) above. Unless specifically required by
applicable statute, each party also waives all rights to any claims for (whether
by claim, counter-claim, offset, way of defense or otherwise), punitive,
exemplary, multiple, pain-and-suffering, mental distress, incidental,
consequential, special, lost income and/or profits and/or similar damages under
any theory whatsoever, both parties agreeing that such claims are inherently
speculative and subject to abuse.

        f. If either party institutes any action against the other party to
secure or protect their rights under the terms of this Agreement, in addition to
any judgment entered in its favor, that party shall be entitled to recover such
reasonable attorneys' fees as may be allowed by the arbitrator together with
arbitration costs and expenses of such action.

35.     INDEMNIFICATION. If ZLand.com shall be subject to any claim, demand or
penalty or become a party to any suit or other judicial or administrative
proceeding by reason of any claimed act or omission by Franchisee, Franchisee's
employees or agents, or by reason of any act occurring on the Premises, or by
reason of an omission with respect to the business or operation of the
Territory, Franchisee shall indemnify and hold ZLand.com harmless against all
judgments, settlements, penalties, and expenses, including attorneys' fees,
court costs and other expenses or litigation or administrative proceeding,
incurred by or imposed on ZLand.com in connection with the investigation or
defense relating to such claim or litigation or administrative proceeding and,
at the election of ZLand.com.

        ZLand.com shall indemnify and hold Franchisee harmless from all fines,
suits, proceedings, claims, demands, actions, loss, damages, costs, fees
(including attorney's fees and related expenses) and/or any other expense,
obligation and/or liability of any kind or nature, however arising, growing out
of or otherwise connected with the sale of any products and services to
Franchisee by ZLand.com to the extent that those products and services are in
violation of ZLand.com's warranty of such items to the customer. Additionally,
ZLand.com will indemnify and hold Franchisee harmless from all fines, suits,
proceedings, claims, demands, actions, loss, damages, costs, fees (including
attorney's fees and related expenses) and/or any other expense, obligation
and/or liability of any kind or nature, however arising, growing out of or
otherwise connected with and/or related to the use of ZLand.com's patents,
trademarks, trade name, and service marks, provided Franchisee is and has been
at all relevant times in compliance with ZLand.com's standards regarding the use
of such items

36.     LIMITED WARRANTY. With respect to any products and services provided,
approved or otherwise by ZLand.com, other than specific written warranties
expressly provided by ZLand.com in connection with such items, such items are
provided without any warranties, express or implied, the warranties of
merchantability and fitness for a particular purpose being expressly disclaimed,
nor do there exist any express or implied warranties on the part of ZLand.com,
as to the design, condition, capacity, performance or any other aspect of such
items or their material or workmanship. Any warranty or other responsibility
with respect to any products and/or services or otherwise will be those of the
manufacturers or service providers only.

        With respect to the products and services provided by ZLand.com,
ZLand.com warrants these items only to the extent expressly set forth in the
ZLand.com Sales Agreement or other standard sales agreements, provided to
Franchisee for use with its customers, and under the condition that such
standard sales agreements were used in connection with the sale of the products
and services for which Franchisee wishes to exercise this warranty.

                                       14

<PAGE>   15
37.     CONSTRUCTION AND SEVERABILITY. All references in this Agreement to the
singular shall include the plural where applicable. If any part of this
Agreement for any reason shall be declared invalid, such decision shall not
affect the validity of any remaining portion, which shall remain in full force
and effect. In the event that any material provision of this Agreement shall be
stricken or declared invalid, ZLand.com shall have the right to terminate this
Agreement.

38.     SCOPE AND MODIFICATION OF AGREEMENT. This Agreement (including
Attachment 1 and any riders hereto) constitutes the entire agreement between the
parties and supersedes all prior and contemporaneous oral or written agreements
or understandings of the parties. No interpretation, change, termination or
waiver of any of the provisions hereof shall be binding upon ZLand.com unless in
writing signed by the President or Director of Franchise Licensing for
ZLand.com, and which is specifically identified as an amendment hereto. No
modification, waiver, termination, rescission, discharge or cancellation of this
Agreement shall affect the right of any party hereto to enforce any claim or
right hereunder, whether or not liquidated, which occurred prior to the date of
such modification, waiver, termination, rescission, discharge or cancellation.

39.     INFLATION ADJUSTMENT. "Inflation adjustment" is determined by changes in
the annual average of the Consumer Price Index for All Urban Consumers, Service
Group Only, 1982-1984 = 100, published by the Bureau of Labor Statistics of the
United States Department of Labor (or the highest similar future index if these
figures become unavailable).

40.     GOVERNING LAW. The United States Arbitration Act (9 U.S.C. Section 1 et
seq.) governs procedural and jurisdictional issues respecting arbitration of
disputes under this Agreement. The Lanham Act (15 U.S.C. Section 1051 et seq.)
governs any issue involving the ZLand.com Marks. The applicable laws of the
state where Franchisee is domiciled govern any issues arising from (i) the
modification of this Agreement during its term, (ii) the maximum rate of
interest payable by Franchisee under this Agreement, and (iii) post termination
non-competition covenants or obligations of either ZLand.com or Franchisee.
Otherwise, this Agreement and the totality of the legal relations among the
parties hereto shall be governed by and construed in accordance with the laws of
the State of California.

41.     ACKNOWLEDGMENT. Franchisee acknowledges that:

        a. The term of this Franchisee is set forth in paragraph 3(b) hereof and
a successor franchise shall only be granted pursuant to strict compliance with
conditions set forth in paragraph 4(a);

        b. Franchisee hereby represents that Franchisee has received a copy of
this Agreement, has read and understands all obligations being undertaken and
has had an opportunity to consult with Franchisee's attorney with respect
thereto at least five business days prior to execution;

        c. ZLand.com has made no representation as to the future profitability
of the Territory;

        d. Prior to the execution of this Agreement, Franchisee has had ample
opportunity to contact existing franchisees of ZLand.com and to investigate all
representations made by ZLand.com relating to the ZLand.com System;

        e. This Agreement establishes the Territory at the location specified on
page 1 hereof only and that no "exclusive", "protected" or other territorial
rights in the contiguous market area of such Territory is hereby granted or
inferred;

        f. This Agreement supersedes any and all other agreements,
representations, respecting the Territory and contains all the terms,
conditions, and obligations of the parties with respect to the grant of this
Territory;

        g. Neither ZLand.com nor anyone acting on its behalf has made any
representations, inducement, promises, or agreements, orally or otherwise,
respecting the subject matter of this Territory or Agreement, which is not
embodied herein or set forth in the Uniform Franchise Offering Circular for
Prospective Franchisees; and

                                       15

<PAGE>   16
        h. This Territory is offered to Franchisee personally and to no other,
and may not be accepted by any other person, partnership or corporation, or
transferred by assignment, will or operation of law.

                                       16

<PAGE>   17
        IN WITNESS WHEREOF, each of the undersigned has here unto affixed his or
her signature on the day and year in this instrument first above written.

ZLAND.COM, INC.

By:
   ------------------------------------------------------
   Glenn E. Abood, President and Chief Operating Officer

Franchisee (                               )
            -------------------------------

By:
   -------------------------------------------------
Print Name:
            -------------------------------------------

                                       17

<PAGE>   18
                                  ATTACHMENT 1

                                    TERRITORY

Your Territory is the county of _________________________, __________________
(or portion thereof as depicted in the map below), defined by the present United
States Postal Service Zip codes listed below.

The Territory consists of a total of _______ Market Points. There is (are) ____
increment(s) of 5,000 Market Points in the Territory, each requiring payment of
a License Fee of $30,000. In addition, Franchisee will pay to ZLand.com a Market
Premium Fee of $6 per Market Point in excess of the last 5,000-Market Point
increment in the Territory. The total Initial Fee (aggregate of License Fee and
Market Premium Fee) due is $ ________________.

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