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EXHIBIT 10(iii)

                ASSIGNMENT AND CONVEYANCE OF BENEFICIAL INTEREST

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                ASSIGNMENT AND CONVEYANCE OF BENEFICIAL INTEREST

I, DR. RHYS MICHAEL CULLEN, hereby acknowledge that I have assigned and conveyed
my entire  beneficial  interest  in two (2) shares of Kavil  University  Limited
stock to cyberuni.org, inc. ("Cyberuni") for $5,000 United States dollars.

                                      /s/ Rhys Cullen
                                      ---------------------------
                                      Rhys Cullen

                                      103EXHIBIT 10(iv)

                                ESCROW AGREEMENT

                                      104
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                                ESCROW AGREEMENT

         This  Escrow  Agreement  is made  the 16th  day of  March,  2000 at San
Francisco,   California,  by  and  between  CYBERUNI.ORG,   INC.,  a  California
corporation (the  "Customer"),  and THE PACIFIC BANK, N.A., a national bank (the
"Bank"), with respect to the following facts.

         The  Customer  wishes to retain  the Bank to serve as an escrow  holder
         ("Escrow  Holder") for the purpose of holding in escrow  certain  funds
         received  by the  Customer  via  Subscription  Agreements  executed  by
         investors  in an SB-1  Offering  conducted  by the  Customer.  The Bank
         agrees to serve as Escrow Holder subject to the terms set forth below

1.       DEPOSITS INTO ESCROW:

         A.       The  Customer  shall  deliver to the Bank all checks,  drafts,
                  money  orders  and  funds  ("Subscription  Payments")  and all
                  Subscription    Agreements   and   other   related   documents
                  ("Subscription  Documents")  received by the  Customer for the
                  purchase   of  the   Shares   from  the   purchasers   thereof
                  ("Subscribers").  All  Subscription  Payments  shall  be  made
                  payable  to "The  Pacific  Bank,  N.A.,  as Escrow  Holder for
                  CYBERUNI.ORG."  All Funds shall be  accompanied by evidence of
                  valuation as provided by the issuing  government  entity.  The
                  Customer  shall also  provide a signed IRS Form  W-8/W9 to the
                  Bank.

2.       CLOSING:

         A.       Unless   this   escrow  is  either   canceled  or  the  Bank's
                  obligations  hereunder are terminated as provided herein,  the
                  Bank shall hold all property and documents  deposited into the
                  Escrow until the  occurrence  of a CLOSING  EVENT,  defined as
                  follows:

                  The CLOSING EVENTS:

                  TERMINATION  OF THE OFFERING:  If the Bank has not received on
                  or before March 16, 2004,  Subscription  Payments and/or Funds
                  in an  aggregate  amount of not less than  $500,000,  then the
                  Bank shall,  upon approval by the California  Commissioner  of
                  Corporations  (the  "Commissioner"),  release all Subscription
                  Payments   together   with  the   corresponding   Subscription
                  Documents  and all  interest  earned,  if any,  on a pro  rata
                  basis, to each Subscriber  respectively,  at the address given
                  by  such  Subscriber  in  the  Subscription  Agreement.   Cash
                  disbursements  by the Bank  pursuant to the  section  shall be
                  made by the Bank's usual escrow  checks and shall be mailed by
                  first  class  United  States  Postal  Services  mail,  postage
                  pre-paid,  as soon as practicable but not later than the third
                  business day after the Termination Date. All Funds received by
                  the Bank shall be returned in the same manner.

         B.       CLOSING OF  OFFERING:  If the Bank has  received  on or before
                  March  16,  2004,  Subscription  Payments  and/or  Funds in an
                  aggregate  amount  of not  less  than  $500,000,  and  written
                  acceptance  of  each  Subscriber  by  the  Customer,  and  the
                  Commissioner orders the release of the Subscription  Payments,
                  then the Bank shall disburse all Subscription  Payments,  plus
                  all  interest  accrued  on such  funds,  to the  Customer,  in
                  immediately available funds.

                  This  Escrow  shall be deemed in a  condition  to close when a
                  CLOSING  EVENT has occurred and the Bank is otherwise  able to
                  disburse all property held in this Escrow in  accordance  with
                  the instructions in Paragraph 2.A or 2.B.

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3.       CANCELLATION OF ESCROW:

         A.       If this  Escrow  is not  closed or in a  position  to close on
                  March  16,  2004,   this  Escrow  shall  be  immediately   and
                  automatically   canceled   without   further   notice  to,  or
                  instructions from, any party.

         B.       This  Escrow may be  canceled by delivery to Bank of notice in
                  writing  signed by all parties  hereto stating that the Escrow
                  is canceled.

         C.       Upon cancellation of this Escrow,  the Bank shall disburse and
                  deliver the Escrow Funds to the Investors in  accordance  with
                  the terms of Paragraph 2.A.

4.       ESCROW FEE:

         3.       The  Customer  agrees  to pay the  Bank an  Escrow  fee of two
                  thousand five hundred  ($2,500) dollars per annum for services
                  the bank performs hereunder.

         4.       Upon closing or  cancellation of Escrow the Bank is authorized
                  to deduct said fees from the funds held in Escrow.

5.       INVESTMENT OF DEPOSITED FUNDS:

         The Escrow  funds shall be  invested  by the Bank in The  Pacific  Bank
         Money Market Trust  Savings or other  investments  of The Pacific Bank,
         NA. Funds  deposited  into Escrow in the form of cash or its equivalent
         shall be invested in said account on the day of receipt,  if receipt is
         before 3:00 P.M., otherwise on the next business day. The amount of the
         check,  draft or similar  instrument  deposited  into  Escrow  shall be
         invested on the second  business day following its receipt by the Bank.
         Interest  earned on the Escrow  funds  shall be  credited  against  the
         Escrow fee.

6.       LIMITATION OF LIABILITY OF BANK:

         A.       The Bank=s  obligations  as Escrow Holder are to be determined
                  solely by these instructions and any subsequent  amendments or
                  supplemental  instructions jointly submitted in writing by all
                  parties  hereto.  The Bank is not  responsible  for knowing or
                  interpreting any provisions of any agreement(s) on which these
                  instructions may be based, and shall not rely on any knowledge
                  or understanding the Bank may have of any such agreement(s) in
                  ascertaining  or performing its duties as Escrow  Holder.  The
                  Bank will not  accept  in  Escrow  any  separate  contract  or
                  agreement  between the  parties  hereto,  or any writing  that
                  purports  to be a contract  or  agreement  on which the Bank=s
                  Escrow instructions are based.

         B.       The Bank shall be  protected  in acting in good faith upon any
                  written notice,  request,  waiver,  consent,  receipt or other
                  paper  document  furnished  to it,  not  only  as to  its  due
                  execution and the validity and effectiveness of its provisions
                  but  also as to the  truth  and  accuracy  of any  information
                  therein contained.  The Bank is relieved from the necessity of
                  satisfying itself as to the authority of the persons executing
                  this Escrow Agreement in a  representative  capacity and shall
                  not  be  liable  or   responsible   for   forgeries  or  false
                  impersonation.   Instead,   the  Bank=s   sole   concern   and
                  responsibility  shall be to hold whatever documents,  property
                  and funds are deposited  into this Escrow until the occurrence
                  of a  Closing  Event,  or  until  this  Escrow  or the  Bank=s
                  obligations  hereunder are otherwise terminated or canceled as
                  provided herein.

         C.       The Bank shall not be liable for any error of  judgment or for
                  any act done or step taken or omitted by it in good faith,  or
                  for any mistake of fact or law, or for  anything  which it may
                  do

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                  or refrain  from  doing in  connection  herewith,  except as a
                  result of its own gross negligence or willful misconduct.

         D.       The bank may  consult  with,  and obtain  advice  from,  legal
                  counsel in the event of any  dispute or  controversy  that may
                  arise  between  the parties  hereunder,  and it shall incur no
                  liability and shall be fully protected in acting in good faith
                  in  accordance  with  the  opinion  and  instructions  of such
                  counsel.  The Customer  shall be  responsible  for  reasonable
                  costs incurred by the Bank for such counsel=s services.

         E.       In case any  property  deposited  under this Escrow  Agreement
                  shall be  attached,  garnished  or if any  other  judgment  or
                  decree  shall be made or  entered  by a court  affecting  such
                  property,  or any part  thereof,  or any act of the Bank,  the
                  Bank is hereby  authorized  in its own  discretion to obey and
                  comply  with all  writs,  orders,  judgments,  or  decrees  so
                  entered  or  issued  by a  court;  and if the  Bank  obeys  or
                  complies with any such writ,  order,  judgment or decree,  the
                  Bank  shall not be liable to any of the  parties  hereto or to
                  any  other  person,  firm or  corporation  by  reason  of such
                  compliance.

         F.       The  Customers  hereby agree to hold harmless and to indemnify
                  the Bank  from and  against  all  costs,  damages,  judgments,
                  attorney=s fees,  obligations and liabilities of every kind or
                  nature  (other  than its normal and usual  operating  expenses
                  incurred in the Bank=s  performance  hereunder) which, in good
                  faith,  the bank may incur or  sustain in  connection  with or
                  arising out of this Agreement.

7.       REMOVAL OF BANK AS ESCROW HOLDER:

         The  Customer  may at any time  remove  the Bank as  Escrow  Holder  by
         delivery to the Bank of a written notice signed by the Customer stating
         that the Bank is being  removed as Escrow  Holder and  instructing  the
         Bank to deliver all documents and property held in Escrow  hereunder to
         a successor escrow holder  designated in said notice.  Upon delivery of
         all documents and property held in Escrow  hereunder to such  successor
         escrow holder, the Bank shall be relieved of any and all liability.

8.       RESIGNATION BY BANK:

         The Bank may resign at any time by giving written notice to the parties
         to this Escrow Agreement, and in such event, the Bank shall be absolved
         from  any  and all  liabilities  upon  delivery  of all  documents  and
         property held in Escrow hereunder to such successor escrow holder as is
         designated in a writing  signed by the  Customer.  In the event that no
         successor escrow holder is so designated  within 15 business days after
         such  notice,  the Bank at its option may be relieved  from any and all
         liability  hereunder  by filing a suit in  interpleader  as provided in
         Paragraph 9.C of this Agreement.

9.       CONFLICTING DEMANDS:

         In the  event  that  conflicting  demands  are made  upon the Bank with
         respect to the Escrow account, the parties hereto acknowledge and agree
         that the Bank shall have the  absolute  right to elect to do any or all
         of the following:

         A.       withhold and stop all further  proceedings  in  performance of
                  this Agreement  until all parties  jointly agree in writing as
                  to how the Bank should proceed hereunder; or

         B.       resign as set forth in Paragraph 8 above; or

                                      107
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         C.       file a suit in  interpleader  and obtain an order from a court
                  with  jurisdiction over such matter which requires the parties
                  to interplead  and litigate in such court their several claims
                  and rights  against each other.  In the event an  interpleader
                  suit is brought,  the Bank,  at its  election,  shall be fully
                  released and discharged from all  obligations  imposed upon it
                  under  this  Agreement,  and the  Customer  agrees  to pay and
                  reimburse  the Bank for all  reasonable  costs,  expenses  and
                  attorney=s  fees  expended or incurred by it in the defense or
                  prosecution of such interpleader suit as such amounts shall be
                  fixed and deemed reasonable by the court.

10.      COUNTERPARTS:

         More than one  counterpart  of this  Agreement  may be  executed by the
         parties hereto, and each fully executed  counterpart shall be deemed an
         original.

11.      GOVERNING LAW:

         This Agreement shall be governed by, and construed in accordance  with,
         the laws of the State of  California  as applied to  agreements  solely
         among California residents to be executed and performed entirely within
         California.  The parties hereto hereby confer  jurisdiction  to enforce
         any provision of this Agreement upon the courts of California

12.      SUCCESSORS AND ASSIGNS:

         This Agreement shall not be amended, modified or supplemented except by
         a writing executed between the parties hereto.

13.      NOTICES:

         All  instructions,  notices and demands provided for herein shall be in
         writing,  and  shall be  either  served  personally;  sent by  express,
         registered,   or  certified   first-class  mail,  postage  prepaid;  or
         delivered by commercial courier to the parties as follows:

         If to the Customer, to:

                  CYBERUNI.ORG, INC.
                  Attention: George Franich, President
                  c/o Evers & Hendrickson, LLP
                  155 Montgomery Street, 12
                  San Francisco, CA 94104
                  Tel. No.: (415) 772-1800
                  Fax No.: (415) 772-1801

         If to the Bank, to:

                  The Pacific Bank, N.A.
                  100 Montgomery Street
                  San Francisco, CA 94104
                  Attention:    Trust Division
                  Tel. No.: (415) 576-2586
                  Fax No.: (415) 398-0961

                                      108
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14.     CUSTOMER REPRESENTATION

The  Customer  represents  and  agrees  that it has not  made nor will it in the
future  make  any  representation  that  states  or  implies  that  the Bank has
endorsed,  recommended  or guaranteed  the  purchase,  value or repayment of the
securities offered for sale by the Customer. The Customer further agrees that it
will insert in any prospectus,  offering circular,  advertisement,  subscription
agreement or other  document  made  available to  prospective  purchasers of the
Securities  that  following  statement  in bold face type:  "The  Pacific  Bank,
National  Association is acting only as an Escrow Holder in connection  with the
offering of securities  described herein,  and has not endorsed,  recommended or
guaranteed the purchase,  value or repayment of such  securities."  The Customer
will  furnish  to the Bank a copy of each such  prospectus,  offering  circular,
advertisement, subscription agreement or other document at least 5 business days
prior to its distribution to prospective purchasers of the securities.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed and delivered the day and year first above written.

                                      109
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CUSTOMER                                   CYBERUNI.ORG,INC.
                                           a California corporation

                                           /s/ George V. Franich
                                           --------------------------------
                                           By:      George V. Franich

                                           Its:     President

BANK                                       THE PACIFIC BANK, N.A.

                                           --------------------------------
                                           By:

                                           Its:

                                      110

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