Document:

Exhibit 10.12

                                 CREST VIEW INC.
                   1700 West Horizon Ridge Parkway - Suite 202
                             Henderson, Nevada 89012

                                                August 7, 2002

Falcon Financial Group LLC
1700 West Horizon Ridge Parkway - Suite 202
Henderson, Nevada  89012

Dear Sirs and Madams:

            This letter will serve to confirm and memorialize our agreement
whereby Falcon Financial Group LLC ("Falcon") will assume and pay the
obligations (the "Obligations") of Crest View Inc. ("Crest View") listed on
Schedule A to this letter agreement and totaling $101,177.00, in exchange for
Crest View issuing to Falcon a promissory note (the "Note") of Crest View in the
principal amount of $101,177.00 and payable to Falcon substantially in the form
attached as Exhibit 1 to this letter agreement.

            If the foregoing accurately reflects our agreement with respect to
the Obligations and Note, please indicate such in the space indicated for such
below the authorized signature of Crest View.

                                          Very truly yours,

                                          Crest View Inc.

                                          By:         /s/ John C. Francis
                                               -------------------------------
                                                John C. Francis, Vice President

Acknowledged and accepted
as of the date first set forth above:

Falcon Financial Group LLC

By:        /s/ Johnny R. Thomas
     -------------------------------
     Johnny R. Thomas, Managing Member

<PAGE>

                                   SCHEDULE A

<TABLE>
<CAPTION>
Obligation                                                                                 Amount
----------                                                                                 ------
<S>                                                                                     <C>
Payment to Italo Tugliani Trust Account, as payment of the semi-annual payment
due in July of 2002 for property acquired by Crest View subsidiary,
Crest View, Investments S.A., for the property identified as the "East" parcel
at Crest View's Naba Ah development ...............................................     $  71,254.30

Legal fees due Snow Becker Krauss P.C. from Crest View ............................         9,000.00

Accounting fees due Lazar Levine & Felix LLP from Crest View ......................         4,000.00

Such other fees and expenses as are identified by Crest View for payment ..........        16,922.70
                                                                                        ------------

                                                                                        $ 101,177.00
                                                                                        ============
</TABLE>

                                        2
<PAGE>

                                 PROMISSORY NOTE

$101,177.00                                                    Las Vegas, Nevada

FOR VALUE RECEIVED, Crest View Inc. (hereinafter referred to as "Maker"),
promises to pay to the order of Falcon financial Group LLC (hereinafter referred
to as "Holder"), 1700 West Horizon Ridge Parkway, Henderson, Nevada, or at such
other address as Holder may designate in writing, the principal sum of One
Hundred One Thousand One Hundred Seventy Seven ($101,177.00) until paid, at the
rate six percent (6%) per annum.

The principal amount of the note shall be due and payable on or before December
31, 2002.

Should the amount owing on this note not be paid when due, the entire unpaid
principal sum evidenced by this Note will, without notice to the Maker, become
due and payable.

Maker hereby waives presentment of payment, protect and demand, notice of
protest, demand and dishonor and nonpayment of this Note, and consents that the
holder may extend the time of payment or otherwise modify the terms of payment
or any part or whole of the indebtedness evidenced by this Note as the request
of any other person liable hereon, and consent shall not alter nor diminish the
liability of any party hereunder.

Maker may repay the indebtedness evidenced hereby in whole or in part from time
to time without premium or penalty.

As used herein, Holder shall include any subsequent holder of this Note. Maker
shall have no right to assign this Note without the consent of Holder, and in no
event shall any assignment of this Note by Maker act to release maker from any
obligations hereunder unless such release is evidenced in writing by Holder.

This Note shall be governed by the laws of the State of Nevada.

Witness the hand of the undersigned this 7th day of August, 2002.

                                          Crest View Inc.

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

                                       3Exhibit 10.1
                              TERMINATION AGREEMENT

      This Termination Agreement (the "Termination Agreement") is made and
entered into as of the 30th day of September, 2002, by and between Seal Holdings
Corporation, now known as Le@P Technology, Inc. ("Le@P") and Robert G. Tancredi,
M.D. ("Employee"), an individual, whose principal place of business is 5601
North Dixie Highway, Suite 441, Fort Lauderdale, Florida 33334.

      WHEREAS, Seal Holdings Corp. and Employee previously entered into that
certain Employment Agreement, dated April 1, 1999 (the "Executive Employment
Agreement"), which Executive Employment Agreement was assumed by Le@P
Technology, Inc. with the change of name from Seal Holdings to Le@P Technology
on July 1, 2001; and

      WHEREAS, Le@P and Employee now wish to terminate the Executive Employment
Agreement, effective September 30, 2002.

      1. The aforestated recitations are true and correct and incorporated
herein by reference.

      2. The Employment Agreement shall terminate effective September 30, 2002.
Except as provided in paragraph 3 below, neither Le@P (nor its predecessors,
successors or affiliates) nor Employee shall have any further obligations to one
another, whether pursuant to the Employment Agreement or otherwise. Consistent
with same, the restrictive covenants contained in the Employment Agreement shall
also terminate effective September 30, 2002.

      3. In consideration for employee's agreement to terminate the Executive
Employment Agreement, Le@P agrees to pay employee a total of one hundred and
fifty thousand dollars dollars $150,000.00 which is the total amount due to be
paid through March 31, 2003 following the six month notice of termination with
Le@P. The employee agreed that this amount be paid out over approximately
eighteen months according to a schedule appended hereto.

      4. In consideration for Le@P's agreement to terminate the Employment
Agreement and the payment and benefits set forth in paragraph 3 hereof, Employee
acknowledges that he has no claims of any kind against Le@P, Seal Holdings
Corporation or any and all of their predecessors and any and all of their
officers and directors and that Employee hereby releases them (and the
corporations) of any and all claims Employee may ever have had or do have,
except with regard to the obligations of Le@P as set forth in paragraph 3
herein. Likewise, Le@P, together with its officers and directors, do hereby
release Employee of any and all claims which it or they may ever have had or do
have. The foregoing releases are intended to be a mutual and general release of
and to all parties in all respects.

<PAGE>

      5. This Termination Agreement shall be interpreted and enforced pursuant
to the laws of the State of Florida. Any and all litigation or other proceedings
related to this Termination Agreement shall be commenced and held in Broward
County, Florida. In the event either party brings litigation to enforce the
terms of this Termination Agreement, the prevailing party shall be entitled to
all costs incurred, including reasonable attorneys fees and court costs,
incurred at both the trial and appellate levels, from the non-prevailing party.

      IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the day and year first above written.

WITNESSES:                                                     LE@P:

                                        LE@P TECHNOLOGY, INC., f/k/a
                                        SEAL HOLDINGS CORPORATION

/s/ Elda Miranda

----------------------------            By:  /s/ M. Lee Pearce, M.D.
                                        Print Name:  Pearce
                                        Its:___________Chairman_______________
                                        Date:   September 11, 2002

                                        EMPLOYEE:

/s/ Elda Miranda                        /s/ Robert G. Tancredi, M.D.
                                        Robert G. Tancredi, M.D.
----------------------------
                                        Date: September 11, 2002

<PAGE>

                                   Exhibit "A"
                               September 18, 2002

Robert G. Tancredi, M.D.
Payment Schedule

         Paid          Le@P
       08/16/02        7,500
       08/30/02        7,500
       09/13/02        7,500
       09/27/02        7,500
       10/11/02        7,500
       10/25/02        7,500
       11/08/02        7,500
       11/22/02        7,500
       12/06/02        7,500
       12/20/02        7,500
       01/03/03        8,000
       01/17/03        8,000
       01/31/03        8,000
       02/14/03        8,000
       02/28/03        8,000
       03/14/03        8,000
       03/28/03        8,000
       04/11/03        3,000
       04/25/03        3,000
       05/09/03        3,000
       05/23/03        3,000
       06/06/03        3,000
       06/20/03        3,000
       07/04/03        3,000
       07/18/03        3,000
       08/01/03        3,000
       08/15/03        3,000
       08/29/03        3,000
       09/12/03        3,000
       09/26/03        3,000
       10/10/03        3,000
       10/24/03        3,000
       11/07/03        3,000
       11/21/03        3,000
       12/05/03        3,000
       12/19/03        3,000
       01/02/04        3,000
       01/16/04        3,000
       01/30/04        3,000
       02/13/04        3,000
       02/27/04          577
       03/12/04          500
       03/26/04          500
       04/09/04          500
       04/23/04          500       53,077 Earned from 7/29-9/30/2002
       05/07/04          500
                                  150,000 Per Termination Agreement
                                  -------
     Total           203,077      203,077
                     =======      =======

                                  Received and Accepted September 18, 2002

                                       /s/ R. Tancredi, M.D.   R. Tancredi, M.D.
                                       ---------------------
                                       /s/ M. Lee Pearce       M. Lee Pearce
                                       ---------------------

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