Document:

<PAGE>

                                  EXHIBIT 10.3

                     WEB SITE DEVELOPMENT AGREEMENT FOR THE
                        CREATION OF TWO NEW WEB SITES FOR
                                RXALTERNATIVE.COM
                             DATED OCTOBER 25, 1999

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                         WEB SITE DEVELOPMENT AGREEMENT

                      FOR THE CREATION OF TWO NEW WEB SITES

                              FOR RXALTERNATIVE.COM

         This Web Site Development Agreement (this "Agreement") is made this
25th day of October, 1999, (the "Effective Date) by and between iNetVisionz.com,
Inc. (the "Developer" ) and RxAlternative.com, Inc. (the "Customer").

                              A G R E E M E N T:

         1. SERVICES TO BE RENDERED. The Developer will perform web development
work for the Customer as more particularly described in Exhibit A, which is
attached hereto and incorporated into this Agreement. All services provided by
the Developer to the Customer are defined as the "Services," any and all
resulting work product is the "Product," and any task discretely listed on
Exhibit A, attached hereto, is the "Task") If Exhibit A lists an estimated date
or time for completion ("Estimated Completion Date") for any Task, the Developer
shall use best efforts to complete the Task by such Estimated Completion Date.
However, the Developer cannot guarantee that any Task will be complete on the
Estimated Completion Date. If Exhibit A does not list any Estimated Completion
Date for any Task, the Developer will use best efforts to complete such Task
within a reasonable period of time.

         2. PAYMENT OF FEES. In consideration of the Services, the Customer
shall pay Developer, the fees (the "Fees") more particularly described in
Exhibit B, which is attached hereto and incorporated into this Agreement.

         3.       INDEMNIFICATION.

                  (a) INDEMNIFICATION BY CUSTOMER. The Customer agrees to
indemnify, defend and hold the Developer, it's owners and its agents,
officers, directors, lawyers, accountants, and employees, harmless from and
against any and all losses, claims, demands, damages, liabilities, costs and
expenses, including but not limited to reasonable attorneys' fees and the
costs of any legal action arising from Customer's web site(s) or Customer's
use of the Services. Such indemnification shall include, but not be limited
to, claims for libel, slander, infringement of copyright, theft of
misappropriation of intellectual property, or unauthorized use of any
trademark, trade name, or service mark.

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                  (b) INDEMNIFICATION BY DEVELOPER. Except as otherwise herein
provided, the Developer agrees to indemnify, defend and hold the Customer and
its agents, officers, directors, lawyers, and accountants harmless from and
against any and all losses, claims, demands, damages, liabilities, costs and
expenses, including but not limited to, reasonable attorneys' fees and costs of
any legal action (but excluding consequential damages) arising from the
Developer's gross negligence in the course of providing the Services under this
agreement. In no event will the Developer be liable for lost or damaged data,
loss of business, or anticipatory profits, or any other consequential or
incidental damages resulting from the use or operation of the Services or the
maintenance thereof.

         4.       LIMITATION OF DAMAGES. The Developer will endeavor to
provide high quality Services and a high quality Product. However, the
Developer is not, and will not be responsible for any consequential or
incidental damages resulting from any malfunctioning of Customer's web site
resulting form Developer's Services, including, but not limited to, any
interruptions of service, or data loss (including lost transactions), unless
such damages arose from Developer's gross negligence. In an event involving
gross negligence on the part of the Developer, the liability shall be limited
to the sum of three thousand dollars ($3,000.00) per day. Although the
Developer will endeavor to safeguard any data provided by the Customer, the
Customer agrees that it is responsible for safeguarding its data, including
maintaining backup data sets.

         5.       TERMINATION OF AGREEMENT.

                  (a) MATERIAL BREACH. If either party is in material breach
this Agreement, the non-breaching party may serve the breaching party with a
written notice specifying the material breach and requesting the breaching party
to cure it. If the breaching party fails to cure the material breach within ten
(10) days after its receipt of the notice, the non-breaching party may terminate
this Agreement by sending a written notice of termination to the breaching
party. The termination of this Agreement shall take effect immediately on the
receipt of such notice of termination by the breaching party.

                  (b) TERMINATION ABSENT A BREACH. Neither party shall have the
ability to unilaterally terminate the Agreement, except as specifically
permitted by provisions of this Agreement. A party specifically granted the
ability to terminate this Agreement for any reason not covered by subsection (a)
of this Paragraph , may exercise this right by sending the other party a written
notice stating that it is terminating the Agreement and citing the specific
paragraph and subparagraph providing the party with the ability to terminate the
Agreement. The termination of this agreement shall take effect thirty (30) days
following the other party's receipt of this notice. This sub-paragraph shall not
apply to any termination arising from a material breach.

                  (c) EFFECT OF TERMINATION. On any termination of this
Agreement, the Developer may immediately cease providing Services to the
Customer, and neither party shall have any further obligation to the other under
the Agreement, provided that neither party shall be relieved from any
obligations or liabilities arising under the Agreement prior to its termination.
If the Developer has not provided substantially all of the Services listed in
Exhibit A prior to the termination of this Agreement, the Developer shall be
entitled to retain not less than the number

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of Shares (as defined in Exhibit B) necessary to compensate the Developer at
the rate one hundred twenty-five dollars ($125.) per man hour for the
Services actually rendered, based on a price of one dollar and twenty-five
cents ($1.25) per Share, which the parties agree is the fair market value of
the Customer's common stock on the date this Agreement is signed.

         6. WARRANTIES; LIMITATIONS ON LIABILITY. THE DEVELOPER MAKES NO
WARRANTY, REPRESENTATION, OR PROMISE NOT EXPRESSLY SET FORTH IN THIS AGREEMENT.
EXCEPT AS OTHERWISE EXPRESSLY SET FORTH HEREIN THE SERVICES ARE PROVIDED "AS
IS." THE DEVELOPER DISCLAIMS AND EXCLUDES ANY AND ALL IMPLIED WARRANTIES OF
MERCHANTABILITY, TITLE AND FITNESS OF THE SERVICES FOR A PARTICULAR PURPOSE. THE
DEVELOPER DOES NOT WARRANT THAT THE SERVICES OR RELATED MATERIALS WILL SATISFY
CUSTOMER'S REQUIREMENTS OR THAT THE SERVICES AND RELATED SERVICES WILL BE
WITHOUT DEFECT OR ERROR.

         7. ENTIRE AGREEMENT. This Agreement supersedes all previous agreements
between the parties, contains the entire understanding between the parties, and
may not be changed, except in writing, duly executed by each of the parties.

         8. INDEPENDENT CONTRACTOR. The Developer is an independent contractor
relative to the Customer and nothing contained herein shall be deemed to create
a partnership or agency relationship.

         9. ASSIGNMENT. This agreement may not be assigned without the express
written consent of the non-assigning party.

         10. NOTICES. All notices required by this Agreement shall be in writing
and sent by Facsimile, Electronic Mail, Federal Express, or U.S. Mail, Return
Receipt Requested as provided below. Such notice shall be sufficient for the
purposes of this Agreement only if sent to the party's "Address for Service" as
listed below. Such Address for Service may be changed by any party by serving
notice (in compliance with the paragraph) on the other party. No notice sent by
facsimile shall be sufficient without a confirmation receipt. No notice sent by
electronic mail shall be sufficient unless sent to an address included in the
recipient's Address for Service and acknowledged by a human-generated response.

Developer's Address for Service:

         Address:          Attn:  Meenaz Hudani
                           19951 Mariner Ave., Suite 100
                           Torrance, CA 90503

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         Fax:              (310) 370-2205
         E-mail:  hudanim@inetversity.com

Customer's Address for Service:

         Address:          Attn: David Lafaille
                           864 S. Robertson Blvd., Suite 211
                           Los Angeles, California 90035

         Fax:              (310) 854-9092
         E-mail:  cper@rxalternatives.com

         11. DISPUTE RESOLUTION. If a dispute or claim shall arise with respect
to any of the terms or provisions of this Agreement, then either party may, by
notice as herein provided, require that the dispute be submitted under the
Commercial Arbitration Rules of the American Arbitration Association to an
arbitrator in good standing with the American Arbitration Association within
fifteen (15) days after such notice is given. Any such arbitrator so selected is
to be mutually acceptable to both parties. If both parties are unable to agree
upon a single arbitrator, each party shall appoint one (1) arbitrator. If either
party does not appoint an arbitrator within five (5) days after the other party
has given notice of the name of its arbitrator, the single arbitrator appointed
by the party giving notice shall be the sole arbitrator and such arbitrator's
decision shall be binding upon both parties. If two (2) arbitrators are
appointed, these two (2) arbitrators shall appoint a third arbitrator who shall
proceed to resolve the question. The written decision of the single arbitrator
ultimately appointed by or for both parties shall be binding and conclusive on
the parties. Judgment may be entered on such written decision by the single
arbitrator in any court having jurisdiction and the parties consent to the
jurisdiction of Orange County, California for this purpose. Any arbitration
undertaken pursuant to the terms of this section shall occur in Orange County,
California.

         12. ATTORNEYS' FEES. In the event of any legal, equitable or
administrative action or proceeding brought by any party against another party
under this Agreement, the prevailing party shall be entitled to recover the
reasonable fees of its attorneys and any costs incurred in such action or
proceeding including costs of appeal, if any, in such amount that the court or
administrative body having jurisdiction over such action may award.

         13. GOVERNING LAW. This Agreement will be construed and enforced in
accordance with, and governed by, the laws of the State of California in the
United States of America without giving effect to any conflict of laws
principles. The parties hereby consent to the personal jurisdiction of the
courts of the County of Orange, California, and waive any rights to change
venue.
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         14. CURRENCY DENOMINATIONS. All currency denominations are in United
States dollars.

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

The Developer

INETVISIONZ.COM, INC.

By: /s/ N. KHAN
    ------------------------------------
Its: CEO/PRESIDENT
     -----------------------------------

The Customer

RxAlternative.com, Inc.

By: /s/ DAVID LAFAILLE
    ------------------------------------
         David Lafaille
         President/CEO

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                                    EXHIBIT A

                                    SERVICES

         The Developer will create a new web site to replace the Customer's
existing web site at http://www.rxalternative.com (the "RxAlternative Site") and
a new web site to be hosted as http://www.internatural.com. (the "InterNatural
Site"). (These sites are also referred to as the "Web Sites")

A. The Developer shall construct the RxAlternativeWeb Sites in three phases as
follows:

         Phase I.  Inception Phase.

         In Phase I, the Developer will work with the Customer to analyze the
Customer's requirements for the Web Site. Based on the Customer's requirements,
the Developer will determine what data will need to be gathered and what
processes will be needed for the Web Site. After performing data modeling and
analysis, the Developer will design any needed databases for the Web Site. The
Developer will work with the Customer to develop a "Demo" site, displaying the
"look and feel" of the Web Site.

         Phase II.  Development Phase.

         In Phase II, the Developer will construct the Web Site, coding the
HTML, developing graphics, and installing the following services: (a) a shopping
cart, (b) a search engine, (c) a client survey, (d) a discussion board, (e)
e-mail automation (enabling the Web Site to automatically send out email
notifications to users), (g) registration and member validation processes, (h)
an automatic payment solution, and (i) Virtual MD (a database configured to
function as an online medical advisor to users).

         Phase III. Testing and Hosting

         In Phase III, the Developer will perform (a) Alpha testing, (b) Beta
testing, and (c) Site Testing.

B. The Developer shall construct the InterNatural Site, coding the HTML,
developing graphics, and installing the following services: (a) a shopping cart,
(b) a search engine, (c) registration and member validation processes, and (d)
an automatic payment solution.

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        LIST OF iNetVisionz.com REQUIREMENTS FROM RXALTERNATIVE     Page 1 of 8
                               EXHIBIT A

<TABLE>
<CAPTION>

   NO     REQUIREMENTS                                                                    DESCRIPTION
------------------------------------------------------------------------------------------------------------------------------------
<S>       <C>                                        <C>
   I      DATABASE

   1      Product                                    Containing detailed product data, department (See page 11)
   2      News                                       Containing news data
   3      Articles Library                           Containing articles data
   4      Encyclopedia                               Containing related library of definitions, symptoms, etc.
   5      Books                                      Containing books database related to Rx Products
   6      Referral                                   Containing Data of Doctors
   7      Artificial Intelligence                    Containing Question and Answer + keywords that point to certain product +
                                                     product to product relationship + other criteria
   8      Survey                                     Survey Contents

   II     BUSINESS PROCESS

   1      Data Flow for Contents                     Flowchart of the contents flow when customers visit the site and go to
                                                     library of articles, news, encyclopedia and books.

   2      Data Flow for Shopping Cart                Flowchart of the product navigation, purchase, and other processes,
                                                     when customers visit the site and purchase the product

   3      Data Flow for Search Engine                Flowchart of the product, news, articles, books, other subjects,
                                                     when customers visit the site

   4      Data Flow for Virtual Doctor               Flowchart of the virtual doctor using questions/special keywords/
                                                     product to product relationships/etc

   5      Data Flow for Email Account                Flowchart of the email account assignments

   6      Data Flow for Discussion Board             Flowchart of discussion board for customers (general topics)

   7      Data Flow for 'AskDoctor'                  Flowchart of discussion board for customers to discuss their problem
                                                     doctors/specialists

   8      Data Flow for Help Desk                    Flowchart of help desk that contains FAQ, explanation to certain words, etc

   9      Data Flow for Chat Room                    Flowchart of real time discussion between doctors, consumers,
                                                     customer support, etc.

   10     Data Flow for Site Map                     Flowchart of site map

  III     SITE LAYOUT & GRAPHICS

          LOGO
                                                     New logo based on Site Layout (for presentation)
          COLOR SCHEME
                                                     Color Scheme based on Site Layout (for presentation)
          SITE FUNCTIONALITIES
                                                     Functionality of the site for ex: product, library, etc.
          LAYOUT
                                                     The basic layout of the site (with top frame, left and right frame, and
                                                     bottom frame and the contents in the center)
          GRAPHICS
                                                     Graphic animation for logo, virtual doctor, and other still pictures for
                                                     buttons

</TABLE>

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                                   EXHIBIT A                        Page 2 of 8
                        PRODUCT DATABASE SPECIFICATION
    RxAlternative is expected to provide a product database based on the
specifications provided below.

<TABLE>
<CAPTION>

----------------------------------------------------------------------------------------------------------
TABLE NAME                       FIELDS NAME                                          NOTE
----------------------------------------------------------------------------------------------------------
<S>                   <C>                                 <C>
CATEGORY              category_id                         ID of Product Category
                      cat_title                           Category Title
                      cat_description                     Category Description
----------------------------------------------------------------------------------------------------------

SUBCATEGORY           subcategory_id                      ID of Product Sub-Category
                      subcat_title                        Sub-Category Title
                      subcat_description                  Sub-Category Description
----------------------------------------------------------------------------------------------------------

VENDOR                vendor_id                           ID of Vendor
                      vendor_title                        Vendor Title
                      vendor_description                  Vendor Description
----------------------------------------------------------------------------------------------------------

PRODUCT               product_id                          ID of product (to uniquely identify the product)
                      product_title                       Title of product (formally)
                      product_shortdesc                   Product Short Description
                      product_longdesc                    Product Long Description
                      price                               Retail Price
                      dsicount_price                      Discount Price (if any)
                      smallimage                          Small image the product (put file name)
                      largeimage                          Large image the product (put file name)
                      quantity                            The total number of products in the inventory
                      availability                        The availability of product, ex: 'usually 24 hours,'
                                                          usually 2-3 days,' etc.)
                      type                                Type of the product:  BOOK, VIDEO, AUDIO, MEDICINE, other
                                                          category?)
                      subcategory_id                      Sub-Category ID based on SUBCATEGORY Table)

                      keywords                            All important words associated to the product that could
                                                          speed up and focus the search.
----------------------------------------------------------------------------------------------------------

AUDIO                 product_id                          ID of product (to uniquely identify the product)
                      time_length                         length in minutes of the audio
                      performer                           performer's name
                      format                              Cassette or CD
----------------------------------------------------------------------------------------------------------

VIDEO                 product_id                          ID of product (to uniquely identify the product)
                      time_length                         length in minutes of the audio
                      performer                           performer's name
                      format                              DVD/VHS/other?
----------------------------------------------------------------------------------------------------------

BOOK                  product_id                          ID of product (to uniquely identify the product)
                      author_fname                        First Name of Author
                      author_lname                        Last Name of Author
                      publisher                           Publisher Name
                      ISBN                                ISBN (Number to uniquely identify the book)
                      edition                             The Edition (1st, 2nd, etc)
                      pub_date                            Book Publishing Date
                      format                              Format of book whether:  hardcopy, softcopy, large size, etc.
----------------------------------------------------------------------------------------------------------

MEDICINE              product_id                          ID of product (to uniquely identify the product)
                      sale_unit                           See 'Sale Unit' in the Book (internatural.com)
                      case_lot                            See 'Case Lot' in the Book (internatural.com)
                      ingredients                         Ingredients of each product
                      product_interactions                interaction between one product to other products
                      product symptoms                    relationship between products and symptoms
----------------------------------------------------------------------------------------------------------
</TABLE>

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                                                     EXHIBIT A
                                             PRODUCT DATABASE DIAGRAM

<TABLE>
<S>                                    <C>                         <C>                                 <C>
  B category_id                         B  product_id                                                   B  product_id
    cat_title                              minute_length                                                   sale_unit
    cat_description                        peformer                                                        case_lot
                                           format                                                          ingredients
                                                                                                           product_interaction
                                                                                                           product_symptoms

                                                                         B  product_id
                                                                            product_title
  B category_id                         B  subcategory_id                   product_shortdesc
  B subcategory_id                         product_longdesc
  B vendor_id                              subcat_description               price
                                                                            discount_price
                                                                            smallimage
                                                                            largeimage
                                                                            quantity
                                        B  product_id                       availability
                                           author_lname                     category
                                           author_fname                     subcategory_id              B  product_id
                                           publisher                        keywords                       time_length
  B vendor_id                              sbn                                                             performer
    vendor_title                           edition                                                         format
    vendor_description                     pubdate
                                           format
</TABLE>
<PAGE>

<TABLE>
<CAPTION>
                                             REQUIRED SOFTWARE AND HARDWARE LIST                                       Page 4 of 8
                                                          EXHIBIT A
---------------------------------------- ------------------------------ ------------------------------------------ ---------------
SOFTWARE                                 PURPOSE                                                                   VENDOR
                                                                        ------------------------------------------ ---------------
                                                                        ALT 1     ALT 2      ALT 3      ALT 4
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
<S>                                      <C>                            <C>       <C>        <C>        <C>        <C>
SYSTEM SOFTWARE                                                            X          X          X          X      Microsoft
Windows NT Server 4.0 for the            Operating System
Enterprise
Internet Information Server 4.0          Web Server
Microsoft Back Office Server 4.5
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
DATABASE SOFTWARE
SQL server 7.0 for the Enterprise        Database Server                   X
                                                                                                                   Microsoft
Oracle 8I Enterprise Edition             Database Server
                          2 yrs license  with 500 MHz Processor                                  X                 Oracle
                          4 yrs license  with 500 MHz Processor                       X
                               Lifetime  with 500 MHz Processor
                                                                                                            X
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
WEB APPLICATION SERVER
ColdFusion Application Server            Web Application Server            X          X          X          X      Allaire
4.5 Enterprise Edition
Allaire Spectra 1.0                      Content                           X          X          X          X      Allaire
                                         Management/Personalization
Macromedia Generator 2.0                 Generate/automate Flash content   X          X          X          X      Macromedia
Macromedia Drumbeat 2000 e-commerce      Generate Active Server
Edition                                  Pages                             X          X          X          X      Macromedia
NetObject Fusion Authoring               Content Contributor               X          X          X          X      NetObjects
Server Server
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
HTML/COLDFUSION EDITORS
ColdFusion Studio 4.0                    Create ColdFusion                 X          X          X          X      Allaire
                                         applications
Dreamweaver 3.0                          Create Dynamic HTML content       X          X          X          X      Macromedia

NetObject Fusion 4.0                     Create HTML, ASP, JSP pages       X          X          X          X      NetObjects
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
2D GRAPHIC SOFTWARE
Adobe Photoshop                          Create/Edit 2D graphic            X          X          X          X      Adobe
                                         content
Adobe Illustrator                        Create/Edit 2D Vector             X          X          X          X      Adobe
                                         graphics

Fireworks 3.0                            Optimize graphics for web         X          X          X          X      Macromedia

KPT Vector Effects 1.5                   Creative Plug-in for Adobe        X          X          X          X      Metacreations
                                         Illustrator
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------

<PAGE>

---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
3D GRAPHIC SOFTWARE
Metacreation Poser 4.0                   Create 3D human figures           X          X          X          X      Metacreations
Metacreations Bryce 4.0                  Create 3D environments            X          X          X          X      Metacreations
3Dstudio Max Release 3.0                 Create/Edit/Design/Animate        X          X          X          X      Kinetix
                                         3D Graphics
Character Studio Release 2.2             Animate 3D human figures          X          X          X          X      Kinetix

Canoma                                   Convert 2D photos to 3D           X          X          X          X      Metacreations
                                         designs
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
STREAMING MEDIA
Flash 4.0                                create streaming media            X          X          X          X      Macromedia
                                         (vector)
Director 7.0                             create streaming media            X          X          X          X      Macromedia
                                         (raster)
VivoActiveVideoNow 3.0                   create/serve streaming            X                                       VivoSoftware
                                         videos
RealServer Professional                  create/serve streaming                       X          X          X      RealNetworks
                                         videos
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
WEB APPLICATIONS
AbleCommerce Developer 2.9               Shopping Cart                     X          X          X          X      AbleCommerce
Allaire Forums                           Bulletin/Discussion Board         X          X          X          X      Allaire

Ebrain                                   Artificial Intelligence           X          X          X          X      pdv
Chat                                     Chat Room                         X          X          X          X      Chatspace
Survey                                   Online Survey                     X          X          X          X
Global Site Plus Service                 128-bit SSL, $250K                X          X          X          X      Verisign
                                         Netsure, free security and
                                         site performance audits

Automate Payment Services                Online Credit Card                X          X          X          X      Verisign
                                         Authorization
                                         Setup Fee                         X          X          X          X
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
WEB STATISTIC ANALYSIS
WebTrends Enterprise Suite               Traffic Analysis                  X          X          X          X      WebTrends
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
HARDWARE:  SERVERS
Dual-Processor Pentium III Xeon          Data Server                       X          X          X          X      SAG Electronics
550 MHz
Dual-Processor Pentium III 600           Web Hosting Server                X          X          X          X      SAG Electronics
MHz
---------------------------------------- ------------------------------ --------- ---------- ---------- ---------- ---------------
</TABLE>

The Customer will purchase or advance all the expenses associated with
acquisition, setup, installation and hosting of the above software and hardware
for the development and maintenance of the Web Site.

<PAGE>

                                  CHART OMITTED

<PAGE>

                                  CHART OMITTED

<PAGE>

<TABLE>
<CAPTION>
                                          NEW RXALTERNATIVE SITE FEATURES
                                                     EXHIBIT A
--------- ------------------------------------- ----------------------------------------------------------------------------------
NO                    DESCRIPTION                                                        NOTE
--------- ------------------------------------- ----------------------------------------------------------------------------------
I         VIRTUAL DOCTOR (VD)
--------- ------------------------------------- ----------------------------------------------------------------------------------
<S>       <C>                                   <C>
       1  Graphic Animation Using Flash 4.0     Virtual Doctor Picture
          and DHTML

--------- ------------------------------------- ----------------------------------------------------------------------------------
       2  Personalization                       -    Customizing VD according to user profiles
                                                -    Maintaining User Personal Data
--------- ------------------------------------- ----------------------------------------------------------------------------------
       3  Artificial Intelligence behind the    Logic that controls the behavior of VD supported by database. The database
          scene                                 Q/A, product to product interaction, product to symptom relationship, or product
                                                to medical problem relationship.
--------- ------------------------------------- ----------------------------------------------------------------------------------
II        SHOPPING CART
--------- ------------------------------------- ----------------------------------------------------------------------------------

       1  Product Naviation                     Product Catalog with description, pictures, price.
--------- ------------------------------------- ----------------------------------------------------------------------------------
       2  Product Cart                          Cart of Products when customer decides to buy.
--------- ------------------------------------- ----------------------------------------------------------------------------------
       3  Product Search Engine                 The ability to search the products.
--------- ------------------------------------- ----------------------------------------------------------------------------------
       4  Processing                            The processafter customer decides t check-out:  customer data, credit card, and
                                                shopping basket will be inserted to database.
--------- ------------------------------------- ----------------------------------------------------------------------------------
       5  Automate Payment Verification         Credit Card will be verified by Credit Card Verification Company like: Cybercash,
                                                PaymentNet, etc.
--------- ------------------------------------- ----------------------------------------------------------------------------------
       6  Data Encryption/Security              Using Security Software provided by Verisign or other vendors to secure the
                                                transaction processing
--------- ------------------------------------- ----------------------------------------------------------------------------------
       7  Account History                       The ability to keep User's History in the database, and keep track of them.
--------- ------------------------------------- ----------------------------------------------------------------------------------
       8  Personalization                       The ability to offer certain customers with special products, or same products
                                                that they have ordered, or other related products.
--------- ------------------------------------- ----------------------------------------------------------------------------------
III       SEARCH ENGINE
--------- ------------------------------------- ----------------------------------------------------------------------------------

       1  Search Product based on keywords,     The ability to search products based nkeywords, department, or product name
          department, or product name.
--------- ------------------------------------- ----------------------------------------------------------------------------------
       2  Search News                           The ability to search News based on keywords
--------- ------------------------------------- ----------------------------------------------------------------------------------
       3  Search Article/Library                The ability to search Articles based on keywords
--------- ------------------------------------- ----------------------------------------------------------------------------------
       4  Search in Encyclopedia                The ability to search Encyclopedia based on keywords
--------- ------------------------------------- ----------------------------------------------------------------------------------
       5  Search Referrals                      The ability to search Referrals based on keywords
--------- ------------------------------------- ----------------------------------------------------------------------------------
IV        DISCUSSION BOARD
--------- ------------------------------------- ----------------------------------------------------------------------------------

       1  General Discussion Topics             The general discussion forum with general topics
--------- ------------------------------------- ----------------------------------------------------------------------------------
       2  'ASK DOCTOR' Discussion Board         The customized discussion board for doctors/specialist with customers.
--------- ------------------------------------- ----------------------------------------------------------------------------------
V         CHAT ROOM
--------- ------------------------------------- ----------------------------------------------------------------------------------
       1  Real Time Discussion between          Real time general discussion with general topics.
          customers, doctors, specialists,
          and customers supports.
--------- ------------------------------------- ----------------------------------------------------------------------------------
VI        REGISTRATION AND VALIDATION PROCESS
--------- ------------------------------------- ----------------------------------------------------------------------------------
       1  Registration Page                     Customers need to register before log-in.
--------- ------------------------------------- ----------------------------------------------------------------------------------
       2  Log-in Page                           Customers need to log-in before proceeding.
--------- ------------------------------------- ----------------------------------------------------------------------------------
       3  Validation Message (OK/Error)         Error Message or OK Message after log-in.
--------- ------------------------------------- ----------------------------------------------------------------------------------
</TABLE>

                                       1
<PAGE>

<TABLE>
<CAPTION>
--------- ------------------------------------- ----------------------------------------------------------------------------------
VII       EMAIL
--------- ------------------------------------- ----------------------------------------------------------------------------------
<S>       <C>                                   <C>
       1  Mass automate mailing with certain    RxAlternative can automate the mass mailing capability to certain customers or to
          target                                the all customers in the database.
--------- ------------------------------------- ----------------------------------------------------------------------------------
VIII      FEATURED PRODUCT DISPLAY              Display the Feature Products in certain pages
--------- ------------------------------------- ----------------------------------------------------------------------------------
IX        CONTENTS
--------- ------------------------------------- ----------------------------------------------------------------------------------
       1  Article Library                       Contains Articles
--------- ------------------------------------- ----------------------------------------------------------------------------------
       2  News                                  Contains News
--------- ------------------------------------- ----------------------------------------------------------------------------------
       3  Encyclopedia                          Contains Encyclopedia
--------- ------------------------------------- ----------------------------------------------------------------------------------
       4  Books Library                         Contains Books Library
--------- ------------------------------------- ----------------------------------------------------------------------------------
X         SURVEY                                Survey the customer preferences or other things based on the requirements
--------- ------------------------------------- ----------------------------------------------------------------------------------
XI        CUSTOMER SUPPORT                      Using Forms, customers can contact customer support via email.
--------- ------------------------------------- ----------------------------------------------------------------------------------
XII       REFERRAL                              The ability to insert new doctors/specialists into database, customer can search
                                                the referrals based on their zip code.
--------- ------------------------------------- ----------------------------------------------------------------------------------
</TABLE>

                                       2
<PAGE>

                                    EXHIBIT B

                                      FEES

         In consideration of the Services, the Customer shall issue 750,000
shares (the "Shares") of the Customer's Common Stock to the Developer on a fully
diluted basis based on the number of shares issued and outstanding as of the
date of this Agreement which are approximately 20,000,000 shares. Therefore, the
Shares will represent 4.17% (four and seventeen hundredths percent =
750,000/20,000,000) of the Customer's outstanding common stock for dilution
purposes on the date this Agreement is signed and said equity position of 4.17%
shall be maintained at no additional cost to the Developer regardless of future
new issues of Common Stock or other diluting equity, until the sooner to occur
of (i) the Customer's Initial Public Offering (as defined below) or (ii) the
fifth anniversary of the date of this Agreement. (An "Initial Public Offering"
is any public offering of the Customer's common stock of at least ten million
(10,000,000) shares and/or resulting in a market capitalization of at least one
hundred million dollars ($100,000,000)).
         The Customer is obligated to register the Shares in any registration
statement filed by the Customer with the Securities and Exchange Commission, so
that holders of the Shares shall be entitled to sell the same simultaneously
with and upon the terms and conditions as the securities sold for the account of
the Customer are being sold pursuant to any such registration statement, subject
to such lock-up provisions as may be proposed by the underwriter of said
registration statement and agreed to by the investors.

                                      3<PAGE>

                                  EXHIBIT 10.4

                  SOUTH BAY PRIVATE INDUSTRY COUNCIL AGREEMENT
                 ENTITLED AMENDMENT NO. 4 TO AGREEMENT NO. 96-67
                     BY AND BETWEEN THE COMPANY AND THE CITY
                                  OF INGLEWOOD

<PAGE>

                     AMENDMENT NO. 4 TO AGREEMENT NO. 96-67
     THIS AMENDMENT is made and entered into this 29TH day of JUNE, 1999 by
and between the CITY OF INGLEWOOD, a municipal corporation, hereinafter referred
to as "CITY" and INETVERSITY, INC, a private for profit California Corporation,
hereinafter referred to as "Vendor."
         WHEREAS, on MARCH 5, 1996, City and Vendor entered into Agreement No.
96-67 to provide Classroom Training Individual Referral services under the Job
Training Partnership Act; and
         WHEREAS, Vendor has requested an amendment to Agreement No. 96-67 to
extend the "Term of Agreement" in Section III from June 30, 1999 to June 30,
2000; and
         WHEREAS, Vendor has agreed to provide said services at the rate set
forth herein below; and
         NOW THEREFORE, in consideration of the premises the
parties hereto have agreed as follows:
         1.       Section 1A and B:  Shall read as follows:
                  A.       Further Responsibilities
Vendor shall:
                  1. Provide services funded under this agreement only to
individuals determined eligible under JTPA guidelines as designated by the SBSDA
and City.
                  2. Provide facilities which are adequate to fulfill the
requirements of this contract.
                  3. Provide documents as set forth in Exhibit "C", before this
contract can be implemented.
                  4. Provide services as described in Program Plan, Exhibit "D".
                  B. REPORTS AND RECORDS
                  1. Vendor agrees to provide reports, books, records and data
related to program activities funded by this Agreement, in addition to those
expressly required by other provisions of this Agreement, as may be requested by
the City its agents or designees. Upon written request, attendance records shall
be submitted to case manager(s), or other responsible party(s) on a monthly
basis, and/or every two (2) weeks if participant is receiving needs-based, or
needs-related payments.
                  2.       Confidentiality
         All data and information provided in such reports and records shall be
subject to applicable provisions of State and/or Federal law concerning
confidentiality of documents and records.
                  3.       Retention of Records
         Vendor agrees to retain all records pertinent to all grants, funds or
agreements under the Job Training Partnership Act, including financial,
statistical, property, and participant records and supporting documentation for
a period of three years from the date of submission to the State of the final
expenditure report for the program year's allotment. Records for non-expendable
property shall be retained for a period of three years after final disposition
of the property. Records described herein shall be retained beyond the
prescribed period if any litigation or audit is begun or if a claim is
instituted involving the grant or agreement covered by the records. In these

                                      5
<PAGE>

instances, Vendor will retain the records until the litigation, audit, or claim
has been finally resolved. Records must be retained locally to be accessible to
the City, the SBSDA, its agents or designees.
                  4.       Inspection
         Such records, reports, books, financial statements, and other documents
required herein shall be opened to inspection by and permitted access to City,
the South Bay SDA, its designees or agents, the State, independent auditor(s),
and/or the United States Department of Labor, or designees of any of these
agencies at any time during Vendor's normal business hours.
         2.       Section II. A. shall be amended and is to be read as follows:
                                II - COMPENSATION
         A. The parties agree that this shall be a tuition reimbursement
contract. Compensation for the services covered by this Agreement shall be at a
rate less than or equal to the published tuition rate of Vendor, and shall be
disbursed in accordance with tuition reimbursement and refund policies agreed to
by Vendor. City shall be reimbursed any amount of Pell or other Education
Assistance payments made to Vendor for training costs on behalf of JTPA
participants or, if needed, City may renegotiate the use of the Pell grant to
meet the supportive service(s) needs of participant(s). Fifty percent (50%) of
tuition is paid upon verification that participant has completed one half of
total training hours as stipulated herein. The remaining 50% payment is made
upon verification of completion of training, or on a prorata basis in accordance
with vendor's tuition refund policy. The City shall be entitled to the same
refund policy and procedures as applied to all other students. City shall
process the billing as received and issue payment therefore as soon as
reasonably practicable and in the ordinary course of City business. Compensation
shall be made as stipulated herein and in accordance with SBSDA/JTPA directives,
and tuition reimbursement procedures.
         3.       Section II.C. through F; NO CHANGES
                  D. The City reserves the right to withhold or refuse payment
for late forms, including invoices, required from the Vendor and/or referring
entity(s). City/SBSDA reserves the right to withhold or refuse payment for any
portion of service(s) or consideration not rendered by Vendor and/or received by
participant as stipulated herein. In accordance with Vendor's tuition refund
policies, applicable State tuition refund requirements, and/or as mutually
agreed and stipulated herein, the payable costs shall be reimbursed to vendor
upon verification of completion of training or on a prorata basis per training
hour completed for those participants who do not complete the training. In every
case, the more restrictive of these provisions shall prevail.
                  E. City also reserves the right to make compensation payment
to vendor at anytime during the Agreement period. City reserves the right in
order to comply with Federal or State expenditure guidelines to make
compensation payments to vendor for services obligated to be performed, but not
yet completed.
                  F. The sum(s) agreed to in Section II.C. shall include all
costs associated with training and placement services which are to be provided
under this agreement. Vendor shall make no additional claims for costs, charges,
or fees, nor shall Vendor receive additional payment or any form of
reimbursement from the City, SBSDA, individual participants or any other party,
other than as specifically detailed in this Agreement.
         4.  Section III; shall be amended and is to be read as follows
                        SECTION III - TERM OF AGREEMENT
         Vendor shall commence performance under the terms of this agreement as
of the date of the City's notice to proceed. Unless sooner terminated as
provided herein, this agreement shall expire on June 30, 2000. However, Vendor
may continue to perform, complete and be

                                      6
<PAGE>

compensated for services rendered after June 30, 2000 for those activities
covered by this Agreement and begun prior to said expiration date.
         5.  Section IV; shall be amended and is to be read as follows
                           SECTION IV - MODIFICATIONS
         This contract fully expresses the agreement of the parties. Any
modification or amendment of the terms or conditions of this contract must be by
means of a separate written document approved by the City. No oral conversation
between any officer or employee of the parties shall modify this contract in any
way.
         6.       Section V; shall be amended and is to be read as follows
                         SECTION V - DISPUTES AND BREACH
         A.       DISPUTES
                  Any dispute arising from this contract shall be reviewable in
accordance with procedures set forth in 20 C.F.R. subpart E.
         B.       BREACH
                  In the event any party fails to perform, in whole or in part,
any promise, covenant, or agreement herein, or should any representation made by
it be untrue, any aggrieved party may avail itself of all rights and remedies,
at law or equity, in the courts of law. Said rights and remedies are cumulative
of those provided for herein with respect to termination, if any, except that in
no event shall any party recover more than once, suffer a penalty or forfeiture,
or be unjustly compensated.
         7.       Section XIV; shall be amended and is to be read as follows
                             SECTION XIV - NOTICES
         All notices to be given in accordance with this Agreement shall be
deemed served by (1) enclosing same in a sealed envelope addressed to the party
intended to receive the same at the address indicated herein and deposited
postage prepaid in the United States Postal Service, or by (2) personal service.
For these purposes, the addresses of the parties shall be as follows:
         CITY

         City of Inglewood
         One Manchester Blvd.
         Inglewood, California 90301
         Contact:  Peggy Aldridge
         Phone:  310/412-5558  FAX:  310/412-4252

         VENDOR

         I-NetVersity, Inc.
         19951 Mariner Ave.
         Torrance, CA  90503
         Contact:  N. Khan
         Phone:  (310) 793-4581

          8.      Exhibit "A through D":  NO CHANGE
          9.      Exhibit E:  Statement of Business Ownership for vendor (New).
         10.      Exhibit F:  Debarment and Suspension Certification (New).
         11.      Exhibit G:  Lobbying Certification (New).
         12.      Exhibit H:  Non Discrimination Clause
         Except as otherwise specifically amended herein, all terms and
conditions contained in Agreement No. 96-67 and subsequent amendment(s) shall
remain in full force and effect.

                                      7
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have agreed on this date and
year first above written

                                    VENDOR

By:                      I-NetVersity, Inc.
                  ------------------------------------------------------------
Signature:        /s/ N. Khan
                  ------------------------------------------------------------
Name:
                  ------------------------------------------------------------
Title:
                  ------------------------------------------------------------
                               CITY OF INGLEWOOD
/s/ Roosevelt Dorn
------------------------------------------------------------------------------
MAYOR

ATTEST:
/s/ Hermanita V. Harris
------------------------------------------------------------------------------
CITY CLERK

APPROVED AS TO FORM:
/s/ Not legible
------------------------------------------------------------------------------
CITY ATTORNEY

                                      8
<PAGE>

                                    EXHIBITS

1.       EXHIBIT "E" - STATEMENT OF BUSINESS OWNERSHIP FOR VENDOR (NEW)

2.       EXHIBIT "F" - DEBARMENT AND SUSPENSION CERTIFICATION (NEW)

3.       EXHIBIT "G" - LOBBYING CERTIFICATION (NEW)

4.       EXHIBIT "H" - NON-DISCRIMINATION CLAUSE

                                      9
<PAGE>
<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------------------
                                                      EXHIBIT E

                                     STATEMENT OF BUSINESS OWNERSHIP FOR VENDOR
------------------------------- --------------------------------------------------------------------------------------
<S><C>
Business Name:                  INETVERSITY TRAINING CENTER
                                --------------------------------------------------------------------------------------

Business Address:               19951 MARINER AVE., SUITE #100
                                --------------------------------------------------------------------------------------

                                TORRANCE                                  CA                         90503
                                ----------------------------- ---------------------------- ---------------------------
                                           (City)                       (State)                    (Zip Code)

Contact Persons:                NOREEN KHAN                      No. of employees:           36
                                --------------------------------                             -------------------------

Telephones:          (1)     (310) 921-1999           (2)                           FAX:      (310) 370-9629
                             ------------------------         ---------------------           ------------------------
                               Primary                         Alternate

               Type of Organization:                  Public (Govt.)                Local Education Agency (LEA)
                                                                              -----
                                                 ----

                                                  X   Private for-profit                 Private not-for-profit
                                                 ----                               ----

Other:

               Structure:                 Public Agency         If so:            Local             State           Federal
                                                                            -----             -----            ----
                                     ----

                                     X    Corporation              Sole Proprietorship                    Partnership
                                     ----                     ----                                  -----

Federal Tax ID:             95-470-6140         Project Name:         REGIONAL TRAINING VENDOR DIRECTORY (RTVD)
                            -------------------                       --------------------------------------------------------------

State ID:                   444-7195-1          Contract Amount             INDEFINITE QUANTITY
                            -------------------                             --------------------------------------------------------

-------------------------------------------                   -----------------------------------------
SIGNATURE                                                     DATE

                  NOREEN KHAN - CHIEF EXECUTIVE OFFICER
-------------------------------------------------------------------------------------------------------
NAME and TITLE of AUTHORIZED REPRESENTATIVE

                  INETVERSITY TRAINING CENTER
-------------------------------------------------------------------------------------------------------
ORGANIZATION
</TABLE>

                                  EXHIBIT "E"
<PAGE>

--------------------------------------------------------------------------------
                                    EXHIBIT F

                     DEBARMENT AND SUSPENSION CERTIFICATION
--------------------------------------------------------------------------------

INSTRUCTIONS FOR CERTIFICATION

1.         By signing and submitting this proposal, the prospective recipient of
         Federal assistance funds is providing the certification as set out
         below.

2.         The certification in this clause is a material representation of fact
         upon which reliance was placed when this transaction was entered into.
         If it is later determined that the prospective recipient of Federal
         assistance funds knowingly rendered an erroneous certification, in
         addition to other remedies to the Federal Government, the Department of
         Labor (DOL) may pursue available remedies, including suspension and/or
         debarment.

3.         The prospective recipient of Federal assistance funds shall provide
         immediate written notice to the person to which this proposal is
         submitted if at any time the prospective recipient of Federal
         assistance funds learns that its certification was erroneous when
         submitted or has become erroneous by reason of changed circumstances.

4.         The terms "covered transaction," "debarred," "suspending,"
         "ineligible," "lower tier covered transaction," "participant,"
         "person," "primary covered transaction," "principal," "proposal," and
         "voluntarily excluded," as used in this clause, have the meanings set
         out in the Definitions and Coverage sections of rules implementing
         Executive Order 12549. You may contact the person to which this
         proposal is submitted for assistance in obtaining a copy of those
         regulations.

5.         The prospective recipient of Federal assistance funds agrees by
         submitting this proposal that, should the proposed covered transaction
         be entered into, it shall not knowingly enter into any lower tier
         covered transaction with a person who is debarred, suspended, declared
         ineligible, or voluntarily excluded from participation in this covered
         transaction, unless authorized by the DOL.

6.         The prospective recipient of Federal assistance funds further agrees
         by submitting this proposal that it will include the clause titled
         "Certification Regarding Debarment, Suspension, Ineligibility and
         Voluntary Exclusion - Lower Tier Covered Transaction," without
         modification, in all lower tier covered transactions and in all
         solicitations for lower tier covered transactions.

7.         A participant in a covered transaction may rely upon a certification
         of a prospective participant in a lower tier covered transaction that
         it is not debarred, suspended, ineligible, or voluntarily excluded
         from the covered transaction, unless it knows that the certification
         is erroneous. A participant may decide the method and frequency by
         which it determines the eligibility of its principals. Each
         participant may but is not required to check the LIST OF PARTIES
         EXCLUDED FROM PROCUREMENT OR NON-PROCUREMENT PROGRAMS.

                                  EXHIBIT "F"
<PAGE>

8.         Nothing contained in the foregoing shall be construed to require
         establishment of a system of records in order to render in good faith
         the certification required by this clause. The knowledge and
         information of a participant is not required to exceed that which is
         normally possessed by a prudent person in the ordinary course of
         business dealings.

9.         Except for transactions authorized under paragraph 5 of these
         instructions, if a participant in a covered transaction knowingly
         enters into a lower tier covered transaction with a person who is
         suspended, debarred, ineligible, or voluntary excluded from
         participation in this transaction, in addition to other remedies
         available to the Federal Government, the DOL may pursue available
         remedies, including suspension and/or debarment.

                                  EXHIBIT "F"
<PAGE>

--------------------------------------------------------------------------------

                              EXHIBIT F (CONTINUED)
                             CERTIFICATION REGARDING
          DEBARMENT, SUSPENSION, INELIGIBILITY AND VOLUNTARY EXCLUSION
                         LOWER TIER COVERED TRANSACTIONS
--------------------------------------------------------------------------------

         This certification is required by the regulations implementing
         Executive Order 12549, Debarment and Suspension, 29 CFR Part 98,
         Section 98.510, Participants' responsibilities. The regulations were
         published as Part VII of the May 26, 1988 FEDERAL REGISTER (pages
         19160-19211).

(BEFORE COMPLETING CERTIFICATION, READ INSTRUCTIONS FOR CERTIFICATION)

(1)      The prospective recipient of federal assistance funds certifies, by
         submission of this proposal, that neither it nor its principals are
         presently debarred, suspended, proposed for debarment, declared
         ineligible, or voluntarily excluded from participation in this
         transaction by any Federal department or agency.

(2)      Where the prospective recipient of Federal assistance funds is unable
         to certify to any of the statements in this certification, such
         prospective participant shall attach an explanation to this proposal.

/s/ N. Khan                                     12 April 99
-----------------------------------------    ----------------------------
SIGNATURE                                    DATE

         NOREEN KHAN - CHIEF EXECUTIVE OFFICER
-------------------------------------------------------------------------
NAME and TITLE of AUTHORIZED REPRESENTATIVE

         INETVERSITY TRAINING CENTER
-------------------------------------------------------------------------
ORGANIZATION

                                  EXHIBIT "F"
<PAGE>

------------------------------------------------------------------------------
                                    EXHIBIT G

                             LOBBYING CERTIFICATION
            (FOR CONTRACTS, GRANTS, LOANS AND COOPERATIVE AGREEMENTS)
------------------------------------------------------------------------------

The undersigned certifies, to the best of his/her knowledge and belief, that:

1.       No Federal appropriated funds have been paid or will be paid, by or on
         behalf of the undersigned, to any person for influencing or attempting
         to influence an officer or employee of a Member of Congress in
         connection with the awarding of any Federal contract, the making of any
         Federal grant, the making of any Federal loan, the entering into of any
         cooperative agreement, and the extension, continuation, renewal,
         amendment, or modification of any Federal contract, grant, loan or
         cooperative agreement.

2.       If any funds other than Federal appropriated funds have been paid or
         will be paid to any person for influencing or attempting to influence
         an officer or employee of any agency, a Member of Congress, an officer
         or employee of Congress, or an employee of a Member of Congress in
         connection with this Federal contract, grant, loan, or cooperative
         agreement, the undersigned shall complete and submit Standard Form-LLL
         "Disclosure Form to Report Lobbying" in accordance with its
         instructions.

3.       The undersigned shall require that the language of this certification
         be included in the award documents for all sub-awards at all tiers
         (including subcontracts, subgrants, and contracts under grants, loans,
         and cooperative agreements) and that all subrecipients shall certify
         and disclose accordingly.

4.       This certification is a material representation of fact upon which
         reliance was placed when this transaction was made or entered into.
         Submission of this certification is a prerequisite for making or
         entering into this transaction imposed by Section 1352 Title 31, U.S.
         Code. Any person who fails to file the required certification shall be
         subject to a civil penalty of not less than $10,000 and not more than
         $100,000 for each such failure.

/s/ N. Khan                                                   April 12, 1999
-----------------------------------------------------------   ----------------
SIGNATURE                                                     DATE

         NOREEN KHAN - CHIEF EXECUTIVE OFFICER
------------------------------------------------------------------------------
NAME and TITLE of AUTHORIZED REPRESENTATIVE

         INETVERSITY TRAINING CENTER
------------------------------------------------------------------------------
ORGANIZATION
<PAGE>

------------------------------------------------------------------------------

                                    EXHIBIT H

                            NON-DISCRIMINATION CLAUSE
------------------------------------------------------------------------------

During the performance of this contract, the contractor/vendor agrees as
follows:

I.   The contractor/vendor will not discriminate against any employee or
     applicant for employment because of race, religious creed, color, national
     origin, ancestry, physical handicap, medical condition, marital status or
     sex. The contractor/vendor will take affirmative action to assure that
     applicants are employed, and that employees are treated during their
     employment, without regard to their race, religious creed, color, national
     origin, ancestry, physical handicap, medical condition, marital status or
     sex. Such affirmative action shall be designed to insure against
     discrimination in the following: employment, upgrading, demotion or
     transfer, recruitment or recruitment advertising; layoff or termination;
     rates of pay or other forms of compensation, and selection for training,
     including apprenticeships or any other change or proposed change in
     employment conditions.

II.  The contractor/vendor will cause the foregoing to be inserted in all
     subcontracts for any work covered by this contract so that such provisions
     will be binding upon each subcontractor, provided that the foregoing
     provisions shall not apply to contracts or subcontracts for standard
     commercial supplies or raw materials.

/s/ N. Khan                                               June 3, 1999
------------------------------------------------------    --------------------
AUTHORIZED SIGNATURE                                      DATE

CEO/President
------------------------------------------------------    --------------------
TITLE                                                     ORGANIZATION

                                       2

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