Document:

Exhibit 10.3

    Exhibit
      10.3

     

    November
      16, 2005

    

    PERSONAL
      AND CONFIDENTIAL

    

    

    INFORMATION
      SYSTEMS ASSOCIATES, INC.

    2120
      SW
      Danforth Circle

    Palm
      City, FL 34990

    Attn:
      Joseph
      Coschera - President

    

    Dear
      Mr.
      Coschera,

    

    This
      service agreement ("Agreement") confirms the terms and conditions of the
      exclusive engagement of Greentree Financial Group, Inc. ("Greentree") by
      Information Systems Associates, Inc. (the
      "Company") to render certain consulting services to the Company.

    

    	1.  	
            Services.
              Greentree agrees to perform the following
              services:

          

    

    	(a)  	
            Assist
              with the preparation of Form SB-2, including drafting of the registration
              statement, reviewing of the Company's corporate documents in preparation
              for filing the registration statement and answering comments from the
              Securities and Exchange Commission;

          

    

    	(b)  	
            Assist
              with the preparation of all required documents in connection with the
              application for Blue Sky status;

          

    

    	(c)  	
            Assist
              with EDGARizing the aforementioned document as required by the Securities
              and Exchange Commission, including any applicable
              amendments;

          

    

    	(d)  	
            Assist
              with the preparation of the miscellaneous documents, such as board
              resolutions.

          

    

    	(e)  	
            Assist
              with opening a transfer agent account for the
              Company

          

    

    2. Fees.
      The
      Company agrees to pay Greentree for its services a consulting service fee
      ("Service Fee") of $60,000 and 350,000 common shares payable as follows: $40,000
      in check form due upon signing this Agreement, $20,000 in check form due upon
      filing of the SB-2 registration statement. The shares will be due upon signing
      of this agreement and registered in the Form SB-2 registration statement. The
      cash payment of $60,000 may be paid by a third party if authorized by the
      Company.

    

    3. Term.
      The
      term of this Agreement shall commence on
      November
      16, 2006 and end 120 days from this time (the
      "Term"). This Agreement may be terminated by the Company with 30 days prior
      written notice to Greentree. However, any obligation pursuant to this Paragraph
      3, and pursuant to Paragraphs 2 (fees), 5 (indemnification), 6 (matters relating
      to engagement), 7 (governing law), 10 (Non-disclosure) and 11 (miscellaneous)
      hereof, shall survive the termination or expiration of this Agreement. As stated
      in the foregoing sentence, the parties specifically agree that in the event
      the
      Company terminates this Agreement prior to expiration of the Term, the full
      Service Fee of $60,000 and 350,000 common shares shall be immediately due and
      non-refundable.

    

    4. Expenses.
      The Company agrees to reimburse Greentree for all of its reasonable
      out-of-pocket fees, expenses and costs (including, but not limited to, legal,
      accounting, travel, accommodations, telephone, computer, courier and supplies)
      in connection with the performance of its services under this Agreement,
upon
      prior written approval.
      All
      such fees, expenses and costs will be billed at any time by Greentree and are
      payable by the Company when invoiced. Upon expiration of the Agreement, any
      unreimbursed fees and expenses will be immediately due and payable.

    

    5. Indemnification.
      In
      addition to the payment of fees and reimbursement of fees and expenses provided
      for above, the Company agrees to indemnify Greentree and its affiliates with
      regard to the matters contemplated herein, as set forth in Exhibit A, attached
      hereto, which is incorporated by reference as if fully set forth
      herein.

    

    
      
         

      

      
        1

        
          

        

      

      
         

      

       

    

    6. Matters
      Relating to Engagement.
      The
      Company acknowledges that Greentree has been retained solely to provide the
      services set forth in this Agreement. In rendering such services, Greentree
      shall act as an independent contractor, and any duties of Greentree arising
      out
      of its engagement hereunder shall be owed solely to the Company. The Company
      further acknowledges that Greentree may perform certain of the services
      described herein through one or more of its affiliates.

    

    The
      Company acknowledges that Greentree is a consulting firm that is engaged in
      providing consulting services. The Company acknowledges and agrees that in
      connection with the performance of Greentree's services hereunder (or any other
      services) that neither Greentree nor any of its employees will be providing
      the
      Company with legal, tax or accounting advice or guidance (and no advice or
      guidance provided by Greentree or its employees to the Company should be
      construed as such) and that neither Greentree nor its employees hold itself
      or
      themselves out to be advisors as to legal, tax, accounting or regulatory matters
      in any jurisdiction. Greentree may retain attorneys and accountants that are
      for
      Greentree’s benefit, and Greentree may recommend a particular law firm or
      accounting firm to be engaged by the Company and may pay the legal expenses
      or
      non-audit accounting expenses associated with that referral on behalf of the
      Company, after full disclosure to the Company and the Company’s consent that
      Greentree make such payment on its behalf. However, Greentree makes no
      recommendation as to the outcome of such referrals. The Company shall consult
      with its own legal, tax, accounting and other advisors concerning all matters
      and advice rendered by Greentree to the Company, and the Company shall be
      responsible for making its own independent investigation and appraisal of the
      risks, benefits and suitability of the advice and guidance given by Greentree
      to
      the Company. Neither Greentree nor its employees shall have any responsibility
      or liability whatsoever to the Company or its affiliates with respect
      thereto.

    The
      Company recognizes and confirms that in performing its duties pursuant to this
      Agreement, Greentree will be using and relying on data, material, and other
      information furnished by the Company, a third party provider, or their
      respective employees and representatives (“the Information”). The Company will
      cooperate with Greentree and will furnish Greentree with all Information
      concerning the Company and any financial information or organizational or
      transactional information which Greentree deems appropriate, and Company will
      provide Greentree with access to the Company's officers, directors, employees,
      independent accountants and legal counsel for the purpose of performing
      Greentree's obligations pursuant to this Agreement. The Company hereby agrees
      and represents that all Information furnished to Greentree pursuant to this
      Agreement shall be accurate and complete in all material respects at the time
      provided, and that, if the Information becomes materially inaccurate, incomplete
      or misleading during the term of Greentree's engagement hereunder, the Company
      shall promptly advise Greentree in writing. Accordingly, Greentree assumes
      no
      responsibility for the accuracy and completeness of the Information. In
      rendering its services, Greentree will be using and relying upon the Information
      without independent verification or evaluation thereof. 

    

    7. Governing
      Law and Consent to Jurisdiction.
      This
      Agreement shall be governed by and construed in accordance with the laws of
      the
      State of Florida, including its conflict of laws provisions. All
      disputes arising out of or in connection with this agreement, or in respect
      of
      any legal relationship associated with or derived from this agreement, shall
      be
      arbitrated and finally resolved, pursuant
      to binding arbitration in the Country of United States.

    

    
      
         

      

      
        2

        
          

        

      

      
         

      

       

    

    8. No
      Brokers.
      The
      Company represents and warrants to Greentree that there are no brokers,
      representatives or other persons which have an interest in the compensation
      due
      to Greentree from any services contemplated herein. 

    

    9.
      Authorization.
      The
      Company and Greentree represent and warrant that each has all requisite power
      and authority, and all necessary authorizations, to enter into and carry out
      the
      terms and provisions of this Agreement and the execution, delivery and
      performance of this Agreement does not breach or conflict with any agreement,
      document or instrument (including contracts, wills, agreements, records and
      wire
      receipts, etc.) to which it is a party or bound.

     

    10. Non-disclosure
      All the
      Terms and Conditions set forth in this contract are regarded as Confidential
      Subject Matter. Both
      Greentree and the Company agree to hold in confidence all Confidential Subject
      Matter; to not disclose any Confidential Subject Matter to any third party;
      to
      use Confidential Subject Matter solely for the Project; and to disclose such
      Confidential Subject Matter only to individuals within receiving Party’s
      organization that are directly involved with the Project on a need-to-know
      basis.

     

     
      Unless otherwise specified in writing, all Confidential Subject Matter remains
      the disclosing Party's property. Upon request of the disclosing Party, the
      receiving Party agrees to return or destroy all Confidential Subject Matter
      received from the disclosing Party, except for one copy, which the receiving
      Party may keep solely to monitor its obligations under this Agreement. The
      party that
      violates the term hereto shall indemnify the other party for any damage
      therefore arises. 

    10.
      Miscellaneous.
      This
      Agreement constitutes the entire understanding and agreement between the Company
      and Greentree with respect to the subject matter hereof and supersedes all
      prior
      understandings or agreements between the parties with respect thereto, whether
      oral or written, express or implied. Any amendments or modifications must be
      executed in writing by both parties. This Agreement and all rights, liabilities
      and obligations hereunder shall be binding upon and inure to the benefit of
      each
      party’s successors but may not be assigned without the prior written approval of
      the other party. If any provision of this Agreement shall be held or made
      invalid by a statute, rule, regulation, decision of a tribunal or otherwise,
      the
      remainder of this Agreement shall not be affected thereby and, to this extent,
      the provisions of this Agreement shall be deemed to be severable. This Agreement
      may be executed in any number of counterparts, each of which shall be deemed
      to
      be an original, but such counterparts shall, together, constitute only one
      instrument. The descriptive headings of the Paragraphs of this Agreement are
      inserted for convenience only, do not constitute a part of this Agreement and
      shall not affect in any way the meaning or interpretation of this
      Agreement.

    

    If
      both
      parties agree in writing, they can make supplementary agreements for those
      unsettled issues between them, which signed writings will be binding on both
      parties.

    

    Please
      confirm that the foregoing correctly sets forth our agreement by signing below
      in the space provided and returning this Agreement to Greentree for execution,
      which shall constitute a binding agreement as of the date first above
      written.

    

    Thank
      you. We look forward to a mutually rewarding relationship.

    

    GREENTREE
      FINANCIAL GROUP, INC.

    

    

    By:______________________________ 

    Name: R.
      Chris
      Cottone

    Title: Vice
      President

    

    AGREED
      TO
      AND ACCEPTED

    AS
      OF
      November 16, 2005:

    

    

    INFORMATION
      SYSTEMS ASSOCIATES, INC.

    

    

    By:______________________________

    Name: Joseph
      Coschera

    Title:
       President

    

    AGREED
      TO
      AND ACCEPTED

    AS
      OF
      November 16, 2005:

    

    
      
         

      

      
        3

        
          

        

      

      
         

      

       

    

    EXHIBIT
      A: INDEMNIFICATION

    

    The
      Company agrees to indemnify Greentree, its employees, directors, officers,
      agents, affiliates, and each person, if any, who controls it within the meaning
      of either Section 20 of the Securities Exchange Act of 1934 or Section 15 of
      the
      Securities Act of 1933 (each such person, including Greentree is referred to
      as
      "Indemnified Party") from and against any losses, claims, damages and
      liabilities, joint or several (including all legal or other expenses reasonably
      incurred by an Indemnified Party in connection with the preparation for or
      defense of any threatened or pending claim, action or proceeding, whether or
      not
      resulting in any liability) ("Damages"), to which such Indemnified Party, in
      connection with providing its services or arising out of its engagement
      hereunder, may become subject under any applicable Federal or state law or
      otherwise, including but not limited to liability or loss (i) caused by or
      arising out of an untrue statement or an alleged untrue statement of a material
      fact or omission or alleged omission to state a material fact necessary in
      order
      to make a statement not misleading in light of the circumstances under which
      it
      was made, (ii) caused by or arising out of any act or failure to act, or (iii)
      arising out of Greentree's engagement or the rendering by any Indemnified Party
      of its services under this Agreement; provided, however, that the Company will
      not be liable to the Indemnified Party hereunder to the extent that any Damages
      are found in a final non-appealable judgment by a court of competent
      jurisdiction to have resulted from the gross negligence or willful misconduct
      of
      the Indemnified Party seeking indemnification hereunder.

    

    These
      indemnification provisions shall be in addition to any liability which the
      Company may otherwise have to any Indemnified Party.

    

    If
      for
      any reason, other than a final non-appealable judgment finding an Indemnified
      Party liable for Damages for its gross negligence or willful misconduct the
      foregoing indemnity is unavailable to an Indemnified Party or insufficient
      to
      hold an Indemnified Party harmless, then the Company shall contribute to the
      amount paid or payable by an Indemnified Party as a result of such Damages
      in
      such proportion as is appropriate to reflect not only the relative benefits
      received by the Company and its shareholders on the one hand and the Indemnified
      Party on the other, but also the relative fault of the Company and the
      Indemnified Party as well as any relevant equitable considerations.

    

    Promptly
      after receipt by the Indemnified Party of notice of any claim or of the
      commencement of any action in respect of which indemnity may be sought, the
      Indemnified Party will notify the Company in writing of the receipt or
      commencement thereof and the Company shall have the right to assume the defense
      of such claim or action (including the employment of counsel reasonably
      satisfactory to the Indemnified Party and the payment of fees and expenses
      of
      such counsel), provided that the Indemnified Party shall have the right to
      control its defense if, in the opinion of its counsel, the Indemnified Party's
      defense is unique or separate to it as the case may be, as opposed to a defense
      pertaining to the Company. In any event, the Indemnified Party shall have the
      right to retain counsel reasonably satisfactory to the Company, at the Company's
      sole expense, to represent it in any claim or action in respect of which
      indemnity may be sought and agrees to cooperate with the Company and the
      Company's counsel in the defense of such claim or action. In the event that
      the
      Company does not promptly assume the defense of a claim or action, the
      Indemnified Party shall have the right to employ counsel to defend such claim
      or
      action. Any obligation pursuant to this Annex shall survive the termination
      or
      expiration of the Agreement.

     

    
      
         

      

      
        4Exhibit 10.4

    Exhibit
      10.4

     

    CONSULTING
      AGREEMENT

    

    This
      Agreement (the “Agreement”) is made and entered into this 15th
      day of
      November, 2005, by and between Information System Associates, Inc., a Florida
      corporation (the “Company”) and all successor corporate entities, and Real Asset
      Management, LLC, a Florida limited liability company (the “Consultant”). The
      Company and the Consultant are hereinafter each referred to as a “Party” and
      collectively as the “Parties.”

    

    

    PREAMBLE

    

    WHEREAS,
      the Consultant has substantial experience in the areas of financial consulting
      and venture capital financing and has a select and limited group of
      clients;

    

    WHEREAS,
      the Company desires to retain the Consultant’s services and has requested that
      the Consultant take on the Company as one of its clients; and

    

    WHEREAS,
      the Consultant is agreeable to provide specific services to the Company and
      is
      willing to forego significant other gainful opportunities of a similar nature,
      all as set forth below in the Agreement.

    

    NOW,
      THEREFORE, in consideration for the mutual obligations set forth below, the
      sum
      of ten dollars ($10.00), and other good and valuable consideration, the receipt
      and adequacy of which is hereby acknowledged, the Parties, intending to be
      legally bound, hereby agree as follows:

    

    

    ARTICLE
      ONE

    RETENTION,
      DUTIES, TERM

    

    1.1 Retention

    The
      Company hereby engages and retains the Consultant to act as its non-exclusive
      agent to assist it in developing corporate programs and in structuring corporate
      transactions and affairs as the Consultant deems necessary to enable the Company
      to accomplish the objectives set forth in the Company’s current business plan,
      which business plan has been reviewed and discussed by the Parties. The specific
      duties and responsibilities of the Consultant, however, are set forth below
      in
      Article 1.2 and are not enlarged by the general description set forth in this
      Article 1.1. The Company acknowledges that Consultant is not a member or
      associated member of the National Association of Securities Dealers (“NASD”), is
      not registered with any federal or state agency that regulates sellers, advisors
      or issuers of securities or associated persons, and shall not provide any
      services to the Company in any of those capacities.

     

    
      
         

      

      
        1

        
          

        

      

      
         

      

    

    

    1.2 Duties
      of Consultant

    The
      Consultant’s duties, for which it will receive the compensation specified in
      Article Two of this Agreement are those set forth below and no
      others:

    1.2.1 To
      make
      recommendations on and assist in introducing the Company and its business
      concept to one or more registered NASD member firms, which may assist the
      Company in selling its common stock.

    1.2.2 To
      introduce the Company to other consultants specializing in various areas of
      corporate finance and development, shareholder communications and public
      relations.

    1.2.3 To
      assist
      the Company in locating an investment source for funding an offering of the
      Company’s securities by introducing the Company to NASD member firms for funding
      and market-making purposes.

    1.2.4 In
      the
      event the Company requests that the Consultant render services to it other
      than
      those specified above in the Article 1.2, the Company and the Consultant shall
      use their best efforts to negotiate and enter into a written supplemental
      agreement setting forth the duties to be performed and the compensation
      therefore. In the absence of such supplemental agreement, Consultant shall
      have
      no additional duties. 

    

    1.3 Term

    The
      initial term of this non-exclusive Agreement shall be twelve months; however,
      it
      shall be automatically renewed for twelve months unless either Party gives
      to
      the other, within 30 days prior to the end of the term then in effect, written
      notice of intention not to renew. Written notice may contain requested
      modifications to this Agreement, the written and signed acceptance of which
      by
      the notified Party shall result in an amendment and extension of this Agreement
      without requirement for further action. In the event that this Agreement is
      terminated or expires, Company acknowledges that payments due Consultant are
      still due pursuant to the terms of this Agreement and that all payments thereby
      due Consultant for services performed will remain a continuing obligation of
      the
      Company. 

    

    

    ARTICLE
      TWO

    CONSULTANT’S
      COMPENSATION

    

    2.1 Compensation

    The
      Consultant’s compensation shall be earned at the time this Agreement is signed
      and Consultant takes on the Company as a client, thereby foregoing other
      significant gainful opportunities. As compensation for the specific services
      of
      Consultant as set forth in Article 1.2 above, the Company shall transfer to
      the
      Consultant at the time this Agreement is signed:

    

    -
      450,000
      (FOUR Hundred Fifty Thousand) shares of the Company’s common stock (the
“Shares”). The Shares shall carry full piggyback registration rights for any
      registration statements the Company may file.

    

    2.1.2 The
      Company shall reimburse Consultant for all pre-approved verifiable out-of-pocket
      expenses of Consultant incurred by it in the course of performing services
      for
      the Company under this Agreement. Consultant shall obtain pre-approval from
      the
      Company and shall submit receipts to the Company. Company shall make
      reimbursement within 10 days of submission of receipts by
      Consultant.

     

    
      
         

      

      
        2

        
          

        

      

      
         

      

    

     

    ARTICLE
      THREE

    REPRESENTATIONS
      AND WARRANTIES

    

    3.1 The
      Company hereby represents, warrants and covenants that it will disclose to
      the
      Consultant without the need for Consultant to make any request all material
      information relating to the Company’s present and future operations and
      financial condition and that all such information shall be true, and shall
      not
      omit any information necessary, in light of the information provided, to render
      such information not misleading.

    

    3.2 The
      Parties acknowledge that the shares of common stock issued to Consultant as
      payment for its services pursuant to this Agreement may be shares of ay
      successor entity pursuant to a reorganization or merger between the Company
      and
      any other entity.

    

    

    ARTICLE
      FOUR

    MISCELLANEOUS

    

    4.1 Capacity

    The
      Company designates and empowers the Consultant to act as its representative
      for
      the purposes of performing the Consultant’s duties specified in the above
      sections.

    

    4.2 Notices

    All
      notices, demands or other written communications hereunder shall be in writing,
      and unless otherwise provided, shall be deemed to have been duly given on the
      first business day after sending by Federal Express or other comparable
      overnight carrier at senders expense, addressed as follows, with copies to
      such
      other addresses or to such other persons as any Party shall designate to the
      others for such purposes in the manner herein above set forth:

    

    TO
      CONSULTANT:  REAL
      ASSET MANAGEMENT, LLC.

    1082
      SW
      Keats Avenue

    Palm
      City, Florida 34990

    

    TO
      THE
      COMPANY: INFORMATION
      SYSTEMS ASSOCIATES, INC.

    2120
      SW
      Danforth Circle

    Palm
      City, Florida 34990

    

    4.3 Amendment

    No
      modification, waiver, amendment, discharge or change of this Agreement shall
      be
      valid unless the same is in writing and signed by the Parties.

    

    4.4 Entire
      Agreement/Merger

    This
      instrument, together with the instruments referred to herein, contains all
      of
      the understandings and agreements of the Parties with respect to the subject
      matter discussed herein. All prior agreements whether written or oral are merged
      herein and shall be of no force or effect.

     

    
      
         

      

      
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    4.5 Survival

    The
      several representations, warranties and covenants of the Parties contained
      herein shall survive the execution hereof and shall be effective regardless
      of
      any investigation that may have been made or may be made by or on behalf of
      any
      Party.

    

    4.6 Severability

    If
      any
      provision or any portion of any provision of this Agreement, other than a
      conditions precedent, if any, or the application of such provision or any
      portion thereof to any person or circumstance shall be held invalid or
      unenforceable, the remaining portions of such provision and the remaining
      provisions of this Agreement or the application of such provision or portion
      of
      such provision as is held invalid and unenforceable to persons or circumstances
      other than those to which it is held invalid or unenforceable, shall not be
      affected thereby.

    

    4.7 Governing
      Law and Venues

    This
      Agreement shall be construed in accordance with the laws of the State of Florida
      without regard to any provisions relating to conflicts of law, and any
      proceeding arising between the Parties in any matter pertaining or related
      to
      this Agreement shall, to the extent permitted by law, be held in Palm Beach,
      Florida.

    

    4.8 Litigation/Attorneys
      Fees

    In
      any
      action between the Parties to enforce any of the terms of this Agreement or
      any
      other matter arising from this Agreement, the prevailing Party shall be entitled
      to recover its costs and expenses, including reasonable attorneys’ fees up to
      and including all negotiations,, trials and appeals, whether or not litigation
      is initiated.

    

    4.9 Benefit
      of Agreement

    The
      terms
      and provisions of this Agreement shall be binding upon and inure to the benefit
      of the Parties, jointly and severally, their successors, assigns, personal
      representatives, estate, heirs and legatees.

    

    4.10 Captions

    The
      captions in this Agreement are for convenience and reference only and in no
      way
      define, describe, extend or limit the scope of this Agreement or the intent
      of
      any provisions hereof.

    

    4.11 Number
      and Gender

    All
      pronouns and variations thereof shall be deemed to refer to the masculine,
      feminine, neuter, singular or plural, as the identity of the Party or Parties,
      or their personal representatives, successors and assigns may
      require.

    

    4.12 Further
      Assurances

    The
      Parties hereby agree to act, execute, acknowledge and deliver or cause to be
      done, executed, acknowledged or delivered and to perform all such acts and
      deliver all such deeds, assignments, transfers, conveyances, power of attorney,
      assurances, stock certificates and other documents, as may, from time to time,
      be required herein to effect the intent and purpose of this
      Agreement.

     

    
      
         

      

      
        4

        
          

        

      

      
         

      

    

    

    4.13 Construction

    The
      language in this Agreement is a product of negotiations and shall be construed
      as a whole according to its fair meaning, without implying a presumption that
      its terms shall be more strictly construed against either party as drafter
      of
      the document. 

    

    4.14 Status

    Nothing
      in this Agreement shall be construed or shall constitute a partnership, joint
      venture, employer-employee relationship or lessor-lessee relationship but,
      rather, the relationship established pursuant hereto is that of principal and
      independent contractor-agent.

    

    4.15 Counterparts

    This
      Agreement may be executed in any number of counterparts. All executed
      counterparts shall constitute one Agreement notwithstanding that all signatories
      are not signatories to the original or the same counterpart.

     

    
      
         

      

      
        5

        
          

        

      

      
         

      

    

     

    IN
      WITNESS WHEREOF, the Parties have executed this Agreement, effective as of
      the
      date first set forth above.

    

    

    Signed,
      Sealed and Delivered in Our Presence

    

    

    REAL
      ASSET MANAGEMENT, LLC.

    

    By:
      /s/
      Kirk Haynes

         
Kirk
      Haynes, Manager

    

    

    INFORMATION
      SYSTEMS ASSOCIATES, INC.

    

    By:
      /s/
      Joseph Coschera

         
Joseph
      Coschera, President

     

     

     

    
      
         

      

      
        6

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