Document:

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                                                                  EXHIBIT 10.2.2

                  ADDENDUM TO THE VENDOR AGREEMENTS FOR LEVEL 1
                   SERVICE AND LAST SALE SERVICE OF THE NASDAQ
                               STOCK MARKET, INC.

                  This addendum ("Addendum"), dated as of the date executed by
The Nasdaq Stock Market, Inc. ("Nasdaq"), amends any Vendor Agreement for Level
1 Service and Last Sale Service offered by The Nasdaq Stock Market, Inc.,
(collectively, the "Vendor Agreement") made by and between The Nasdaq Stock
Market, Inc., a Delaware corporation that is an affiliate of the National
Association of Securities Dealers, Inc. ("NASD") (a registered national
securities association subject to regulation by the Securities and Exchange
Commission ("SEC") under the Securities Exchange Act of 1934 ("Act")) (NASD with
its affiliates is collectively referred to herein as the "Corporations") whose
principal place of business is located at 1735 K Street, N.W., Washington, D.C.
20006 and FIRST INTERNATIONAL FINANCIAL CORP ("Vendor") with a principal place
of business at 217 10TH AVE S.W., CALGARY, ALBERTA, CANADA.

                  Section 1. Non-Professional Subscriber Pricing. Under this
Addendum, Vendor shall be charged $2.00 per month for each Non-Professional
Subscriber and $.005 per query, subject to the Revenue Guarantee set forth in
Section 3 herein.

                  Section 2. Subscriber Agreements. Vendor shall ensure that all
Subscribers are subject to a legally effective Subscriber Agreement as set forth
in the Vendor Agreement.

                  Section 3. Revenue Guarantee. Each month, Vendor guarantees
Nasdaq revenue equal to the lower of: (1) the number of Vendor's
Non-Professional Subscribers in that month times $4.00, plus Vendor's per query
usage in that month times $.01; or (2) $21,344.86 which equals 75% of Vendor's
Non-Professional and query revenue from December, 1998.

                  Section 4. Classification of Non-Professionals. Nasdaq shall
ensure that all of Vendor's non-professional Subscribers meet Nasdaq's
definition of "non-professional" Subscriber.

                  Section 5. Term. Unless otherwise notified by Nasdaq, Vendor
acknowledges that this is a pilot program that shall terminate, without notice,
on March 31, 2000. Nasdaq reserves the right to terminate this Addendum and/or
the pilot program with or without cause, at an earlier date, upon notice to
Vendor.

                  Section 6. Ratification of Vendor Agreement. Except as
modified herein, the Vendor Agreement is hereby affirmed and ratified. Section
headings are included for convenience only and are not to be used to construe or
interpret the Vendor Agreement or this Addendum. Unless otherwise set forth in
this Addendum, defined terms shall have the meanings set forth in the Vendor
Agreement.

The Nasdaq Stock Market, Inc.        FIRST INTERNATIONAL FINANCIAL CORP.
                                     ("Vendor")

By:                                  By:  /s/ Brad Gunn
    ----------------------------

Name:                                Name:  BRAD GUNN
      --------------------------

Title:                               Title: PRESIDENT
       -------------------------

Date:                                Date:  MAY 20, 1999
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                                                                    EXHIBIT 10.3

                      S&P COMSTOCK INFORMATION DISTRIBUTION
                                LICENSE AGREEMENT

                  AGREEMENT, made as of JUNE 13, 1997 by and between S&P
ComStock, Inc. a corporation having offices at 600 Mamaroneck Avenue, Harrison,
New York 1052S, and First International Financial ("Distributor"), having an
office at 1413 22nd Avenue, S.W., Calgary, Alberta, Canada 12T 0R6.

                  WHEREAS, S&P ComStock, Inc. gathers, formats and distributes
an information service comprised of certain securities and commodities prices
and other data which is known as the S&P ComStock Service ("ComStock") and

                  WHEREAS, S&P ComStock, Inc. is licensed to distribute
information from various Stock Exchanges, Commodity Exchanges, and other sources
(collectively, "Sources") as part of S&P ComStock: and

                  WHEREAS, the parties desire that certain delayed information
from S&P ComStock ("the ComStock Information") as specified in Exhibit A (Part
I), attached hereto, be made available to Distributor for display by Distributor
on its Internet World Wide Web site (collectively, the "Distributor Service"),
as described fully in Exhibit B, attached hereto.

                  NOW, THEREFORE, the parties mutually agree as follows:

1.       DISTRIBUTION LICENSE.

                  (a) Distributor is hereby granted for the term of this
Agreement a nonexclusive, nontransferable right and license to distribute
electronically the ComStock Information via the Distributor Service solely for
access by Internet users of the Distributor Service (such users referred to
herein as "Subscribers"), provided that the ComStock Information is supplied to
the Subscribers by means (such as data encryption, or packet
transmission-digitizing) which prevent unauthorized reception, use or
retransmission and further provided that Distributor has executed in advance any
and all necessary documents with the various Sources, which documents have been
accepted and approved by the Sources. Notice of such Sources' acceptance and
approval must be supplied to S&P ComStock, Inc. prior to Distributor's use or
distribution of the ComStock Information.

                  (b) Distributor agrees and understands that it is not
permitted to sublicense, transfer, or assign its rights hereunder and that it
shall not permit the redistribution of the ComStock Information by any
Subscriber or by any other third party without the express prior authorization
of S&P ComStock, Inc. pursuant to a separate agreement or by mutually agreeable
amendment executed and attached hereto.

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2.       COMSTOCK EQUIPMENT.

                  (a) During the term of this Agreement, S&P ComStock, Inc.
shall provide Distributor the equipment listed in Exhibit C, attached hereto
("the ComStock Equipment"), for installation only at the site(s) specified
therein. Distributor shall not relocate the ComStock equipment without the
written permission of S&P ComStock, Inc.

                  (b) S&P ComStock, Inc. shall, at Distributor's expense and
request, install, furnish, and maintain necessary modems and/or communications
interface equipment.

                  (c) Distributor shall not attach, or permit or cause to be
attached, any non-ComStock equipment to the ComStock communications line or the
ComStock Equipment without the prior written permission of S&P ComStock, Inc.

                  (d) Distributor shall have no right in or to any of the
ComStock Equipment except for the rights of use herein granted. Distributor
shall pay all extraordinary costs for repair or replacement of the ComStock
Equipment, over and above ordinary maintenance which shall be performed by S&P
ComStock, Inc. Such extraordinary maintenance includes electrical work external
to the ComStock Equipment, maintenance of accessories or attachments, and repair
of damage to the ComStock Equipment resulting from accident, neglect, misuse,
failure of electrical power or causes other than ordinary use. Distributor shall
promptly return the ComStock Equipment in good condition, ordinary wear and tear
excepted, upon termination of this Agreement for any reason.

3.       COMSTOCK INFORMATION.

                  (a) The furnishing to Distributor of the ComStock Information
is conditioned upon strict compliance with the provisions of this Agreement, the
applicable policies of the Sources, and with all local, state and federal
regulations which might pertain to the use of the ComStock Information. It shall
be the sole responsibility of Distributor to confirm with the applicable Sources
whether or not all of the ComStock Information may be distributed by Distributor
to its Subscribers. S&P ComStock, Inc. may discontinue provision of the ComStock
Information hereunder, without notice, whenever the terms of its agreements with
the Sources require such discontinuance, or if in its reasonable judgment S&P
ComStock, Inc. finds a breach by Distributor of any of the provisions of this
Agreement.

                  (b) Neither S&P ComStock, Inc., nor any of its affiliates, nor
any Sources make any express or implied warranties (including, without
limitation, any warranty of merchantability or fitness for a particular purpose
or use). Neither S&P ComStock, Inc., any of its affiliates, or any Sources
warrant that the ComStock information will be uninterrupted or error-free.
Distributor expressly agrees that its use and distribution of the ComStock
Information and its use of the ComStock Equipment is at the sole risk of
Distributor and its Subscribers. S&P ComStock, Inc., its affiliates, and all
Sources involved in creating or providing the ComStock Information will in no
way be liable to Distributor or any of its Subscribers for any inaccuracies,
errors or omissions, regardless of cause, in the ComStock Information or for any
defects or failures in the ComStock Equipment, or for any damages (whether
direct or indirect, or consequential, punitive or exemplary) resulting
therefrom. The liability of S&P ComStock, Inc. and its affiliates in any and all
categories, whether arising from contract, warranty, negligence, or

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otherwise shall, in the aggregate, in no event exceed one month's ComStock
Information Delivery Fee.

                  (c) Distributor agrees that it shall not display the ComStock
Information in the Distributor Service without a prominent notice indicating
that the ComStock Information is being displayed on a minimum fifteen (15)
minute delayed basis, except for where real-time information is displayed.

                  (d) Distributor also agrees to include S&P Comstock's Terms
and Condition of Use, a copy of which is attached hereto as Exhibit E, within
the Distributor Service in a manner which alerts Subscribers of the
applicability thereof.

                  (e) Distributor shall clearly and prominently identify S&P
ComStock as the source of the ComStock Information by display of the S&P
ComStock logo (the "Logo") in a manner to be agreed to by the parties.
Distributor shall also create a hypertext or other computer link from the Logo
to the S&P ComStock Site on the World Wide Web.

                  (f) Distributor represents and warrants that it has and will
employ adequate security procedures to prevent the unauthorized access to the
ComStock Information or corruption of the ComStock Information.

                  (g) Distributor agrees to indemnify and hold S&P ComStock,
Inc. and its affiliates harmless from and against any and all losses, damages,
liabilities, costs, charges and expenses, including reasonable attorneys' fees,
arising out of: (i) any liability of S&P ComStock, Inc. to any Subscriber where
Distributor has failed to include the Terms and Conditions of Use in the
Distributor Service pursuant to Section 3(d) above; or (ii) any breach or
alleged breach on the part of Distributor or any Subscribers with respect to
its/their obligations to obtain prior approvals from appropriate Sources and to
comply with any applicable conditions, restrictions or limitations imposed by
any Source.

                  (h) S&P ComStock, Inc. represents that it has the rights and
licenses necessary to transmit the ComStock Information to Distributor, and that
to the best of S&P ComStock, Inc.'s knowledge, the license granted to
Distributor hereunder does not infringe any proprietary right or any third party
right at common law or any statutory copyright.

                  (i) S&P ComStock, Inc. shall deliver the ComStock Information
to Distributor at the site(s) set forth in Exhibit C or at such other locations
as Distributor may designate within the continental United States or Canada.

4.       PAYMENTS.

                  In consideration for the license granted to Distributor by S&P
ComStock, Inc. under this Agreement. Distributor shall make the following
payments to S&P ComStock. Inc.:

                  (a) Distributor shall pay to S&P ComStock, Inc. a basic
ComStock Information Delivery Fee of $520 per month, including all recurring
charges for ComStock network connection, modem/line interface equipment, and
standard equipment maintenance services as determined by S&P ComStock. Inc.'s
standard price list. These charges, plus any

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applicable Source fees and state/local taxes, will be billed monthly in advance.
Nonrecurring charges such as installation, relocation and removals of ComStock
Equipment will be separately billed in accordance with S&P ComStock, Inc.'s
then-current standard rates.

                  (b) Distributor shall pay to S&P ComStock, Inc. a monthly
Subscriber Fee the amount as calculated using the Schedule of Fees attached
hereto as Exhibit D. The Subscriber Fees will be due and payable on the
fifteenth (15th) day of each month and shall be based upon the number of
Subscriber terminals receiving the ComStock Information via the Distributor
Service (unless the Guaranteed Minimum is greater and therefore payable).
Together with the Subscriber Fee payment, Distributor shall provide to S&P
ComStock, Inc. on a monthly basis a list identifying the number of each
Subscriber's terminals accessing the ComStock Information. S&P ComStock, Inc.
shall keep such list confidential.

                  (c) Distributor shall be responsible for the payment of any
and all applicable fees billed to S&P ComStock, Inc. or directly to Distributor
by Sources, which fees result from Distributor's use and distribution of the
ComStock Information. Distributor shall also be responsible for payment of any
Subscriber's Source fees which must be paid directly by Distributor to the
Sources. Distributor shall provide to S&P ComStock, Inc. a copy of its monthly
Source fee reports when and as filed with the Sources.

                  (d) Any amounts payable to S&P ComStock, Inc. by Distributor
hereunder which are more than thirty (30) days past due shall bear interest at
the rate of 1-1/2% per month.

                  (e) S&P ComStock, Inc. may, in its sole discretion and at any
time following the initial term of this Agreement, change the per-Subscriber fee
payment schedule and/or the ComStock Information Delivery Fee as specified
herein after having provided written notice to Distributor at least ninety (90)
days in advance of such changes.

                  (f) S&P ComStock, Inc. may audit Distributor's records for the
sole purpose of verifying the accuracy of Distributor's reported monthly
Subscriber Fee payments as set forth in Paragraph 4(b), above. Distributor will
make such records readily available to S&P ComStock, Inc. for inspection during
normal working hours on one week's notice. S&P ComStock, Inc. agrees that
Distributor's records will be treated as confidential and will not be used for
any purpose other than verifying Distributor's compliance with this Agreement.
Any such audit shall be at S&P ComStock, Inc.'s expense unless it is determined
that S&P ComStock, Inc. has been underpaid by an amount exceeding five percent
(5%) of the revenues actually received by S&P ComStock, Inc. in the period
covered by the audit; in such case, the expense of the audit shall be borne by
Distributor.

5.       INFORMATION ENHANCEMENTS; CHANGES TO DATA SPECIFICATION.

                  (a) Any additions of new Sources or other enhancements to the
ComStock Information which may be made by S&P ComStock, Inc. during the term of
this Agreement, while unidentified at this time, will be offered to Distributor
under terms and conditions to be negotiated, provided that (i) S&P ComStock,
Inc. has the necessary rights to convey such new information to Distributor for
redistribution; and (ii) Distributor and S&P ComStock, Inc. execute a separate
agreement or an amendment to this Agreement.

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                  (b) S&P ComStock, Inc. shall have the right, on at least six
(6) months prior written notice, to change the ComStock Data Format
Specification, provided that any such change shall be made effective generally
by S&P ComStock, Inc. to its customers. Distributor shall be responsible at its
own expense for making any modifications to its software necessitated by such
change.

6.       TERM.

                  (a) This Agreement shall take effect upon its execution by an
authorized representative of S&P ComStock, Inc. and of Distributor.

                  (b) The term of this Agreement shall be for an initial term of
three (3) years commencing on the first day of service operation and shall
continue thereafter for additional consecutive twelve (12) month terms, unless
written notice of termination shall have been received by either party from the
other at least ninety (90) days prior to the end of the initial term or of any
additional twelve-month term. If S&P ComStock, Inc. increases charges to
Distributor pursuant to Paragraph 4(f), above, Distributor shall have the option
to terminate this Agreement by written notice to S&P ComStock, Inc. within sixty
(60) days of Distributor's receipt of notice of such increases; such termination
will become effective no sooner than thirty (30) days from the last day of the
month in which notice of termination by Distributor is received by S&P ComStock,
Inc. Distributor shall have the right to cancel this agreement by providing at
least ninety (90) days written notice after the first twelve (12) months, only
if Distributor does not continue providing market information as part of its
Distributor's service.

                  (c) During the term or this Agreement, Distributor shall not
distribute, market, sell and support any other market data feed other than the
S&P ComStock data feed.

7.       MARKETING.

                  Distributor may not use the names "ComStock", "SPC.", or "S&P
ComStock, Inc.", which are proprietary to S&P ComStock, Inc., or refer to the
ComStock Information in marketing or advertising materials without the prior
written consent of S&P ComStock, Inc., such consent not to be unreasonably
withheld. Upon S&P ComStock, Inc.'s written request, Distributor shall notify
Subscribers by a display in the service itself that S&P ComStock is the source
of the quote information and any sales literature discussing ComStock provided
quotes shall list S&P ComStock as the provider of the service.

8.       RIGHTS TO DATA SPECIFICATION; OTHER CONFIDENTIAL INFORMATION.

                  (a) Distributor agrees and acknowledges that the Data
Specification is a confidential and proprietary trade secret belonging to
ComStock, and nothing in this Agreement conveys any proprietary rights
whatsoever with regard to the Data Specification to Distributor. The Data
Specification is provided to the Distributor strictly and solely for the purpose
of developing internal computer software to receive the ComStock Information.
Distributor may not use the Data Specification for any other purpose whatsoever,
including, but not limited to, the development of systems for the receipt or
transmission of computer data. Distributor may not give, transmit, or provide
access to the ComStock Data Specification to any Subscriber or other third
party. On any termination of this Agreement, regardless of cause, Distributor
shall

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promptly return the Data Specification to S&P ComStock, Inc. and shall provide a
written certification by an officer that no copies have been retained by
Distributor.

                  (b) In addition to the duties imposed on Distributor pursuant
to Paragraph 8(a), above, S&P ComStock, Inc. and Distributor agree to hold
confidential any and all of each other's trade secrets, procedures, formulae,
financial data.

                  Subscriber lists, and future plans, which may be learned
before and during the term of this Agreement. Notwithstanding the foregoing,
however, such duty of confidentiality shall not extend to information which is
or comes into the public domain, is rightfully obtained from third parties not
under a duty of confidentiality, or which is independently developed without
reference to the other party's confidential information.

                  (c) The duties of confidentiality imposed herein shall survive
any termination of this Agreement.

9.       PREVENTION OF PERFORMANCE.

                  Neither party shall be liable for any failure in performance
of this Agreement if such failure is caused by acts of God, war, governmental
decree, power failure, judgment or order, strike, or other circumstances,
whether or not similar to the foregoing, beyond the reasonable control of the
party so affected. Neither party shall have any liability for any default
resulting from force majeure, which shall be deemed to include any circumstances
beyond its control. Such circumstances shall include, but are not limited to
acts of the government, fires, flood, strikes, power failures or communications
line or network failures.

10.      RIGHT OF TERMINATION IN THE EVENT OF BREACH OR BANKRUPTCY; RIGHT TO
         INJUNCTIVE RELIEF.

                  (a) Either party shall have the right to terminate this
Agreement for material breach by the other party by giving thirty (30) days
prior written notice, such termination to take effect unless the breach is cured
or corrected within such notice period.

                  (b) If a receiver is appointed for either party's business or
if either party petitions under the Bankruptcy Act and is adjudicated a
bankrupt, declared an insolvent, or makes an assignment for the benefit of
creditors, then the other party shall, upon thirty (30) days prior written
notice, have the right to terminate this Agreement.

                  (c) Upon termination of this Agreement for any reason.
Distributor shall cease all use and distribution of any of the ComStock
Information.

                  (d) In addition to and notwithstanding the above, if
Distributor, or any of its employees, agents or representatives. shall attempt
to use or dispose of the ComStock Information or the Data Specification in a
manner contrary to the terms of this Agreement S&P ComStock, Inc. shall have the
right, in addition to such other remedies as may be available to it, to
injunctive relief enjoining such acts or attempt, it being acknowledged that
legal remedies are inadequate.

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11.      ASSIGNMENT.

                  This Agreement may not be assigned, sublicensed or otherwise
transferred by either party without the written consent, except to a wholly
owned subsidiary, of the other party, such consent not to be unreasonably
withheld, provided, however, that no such consent shall be required with respect
to any assignment by S&P ComStock, Inc. to its parent company, or to any S&P
ComStock, Inc. affiliate. Any attempted transfer or assignment of this Agreement
in violation of this provision shall be null and void.

12.      ENTIRE AGREEMENT.

                  This Agreement and its Exhibits embodies the entire agreement
between the parties hereto. There are no promises, representations, conditions
or terms other than those herein contained. No modification, change or
alteration of this Agreement shall be effective unless in writing and signed by
the parties hereto.

13.      NON-WAIVER.

                  The failure of either party to exercise any of its rights
under this Agreement for a breach thereof shall not be deemed to be a waiver of
such rights nor shall the same be deemed to be a waiver of any subsequent
breach.

14.      NOTICES.

                  All notices under this Agreement shall be given in writing to
the parties as follows:

                  To:                       S&P ComStock, Inc.
                                            600 Mamaroneck Avenue
                                            Harrison. New York 10528
                                            Attn.: Mr. Paul Zinone

                  To:                       First International Financial
                                            1413 22nd Avenue S.W.
                                            Calgary. Alberta
                                            Canada I2T 0R6
                                            Attn.: Mr. Brad Gunn

15.      GOVERNING LAW.

                  This Agreement shall be governed by the laws of the State of
New York and the parties agree to select New York jurisdiction for any claims or
disputes which may arise hereunder.

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                  IN WITNESS WHEREOF, Distributor and S&P ComStock, Inc. have
caused this Agreement to be executed by their duly authorized respective
officers, as of the day and year above written.

         S&P COMSTOCK. INC.

                                    By:  /s/ Paul S. Zinone

                                    Title:   V.P of Sales

                                    Date:    June 19, 1997

                                    DISTRIBUTOR

                                    By: /s/ Brad Gunn

                                    Title: PRESIDENT

                                    Date:  JUNE 13, 1997

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                                    EXHIBITS

            A.       COMSTOCK INFORMATION DEFINITION: AUTHORIZED COUNTRIES

            B.       DESCRIPTION OF DISTRIBUTOR SERVICE

            C.       LISTING OF COMSTOCK EQUIPMENT: DISTRIBUTOR DELIVERY SITES

            D.       SCHEDULES OF SUBSCRIBER FEES

            E.       TERMS AND CONDITIONS OF USE

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                                    EXHIBIT A

PART 1:   INFORMATION DEFINITION

         STOCKS:

         NYSE
         NYSE Corporate Bonds
         AMEX. Boston, Philadelphia, Cincinnati, Midwest, Pacific
         Stock Exchanges and Instinet, NASD
         NASDAQ Over-the-Counter
         NASDAQ National Market System
         NASDAQ Level II
         U.S. Mutual Funds
         Alberta Stock Exchange
         Canadian OTC Automated Trading System
         Montreal Stock Exchange
         Toronto Stock Exchange
         Vancouver Stock Exchange

         STOCK/CURRENCY OPTIONS:

         AMEX. OPRA: Chicago Board of Options Exchange
         NYSE, Pacific, Philadelphia Stock Exchange

         FUTURE EXCHANGES:

         Chicago Board of Trade
         Chicago Mercantile Exchange
         Commodities Exchange Center
         Kansas City Board of Trade
         Mid-America Commodity Exchange
         Minneapolis Grain Exchange
         New York Mercantile Exchange
         New York Commodity Exchange
         Winnipeg Commodity Exchange

         BASIC FUNDAMENTAL INFORMATION

         U.S. Company names
         P/E Ratio
         52 week high/low
         Dividend Rate
         Dividend Amount
         Dividend Yield

PART II:  AUTHORIZED GEOGRAPHICAL AREA

                  Distribution of the ComStock Information may only be made by
Distributor to Subscribers located in the United States and Canada. Subscribers
may access the ComStock Information outside of the U.S. and Canada but
Distributor shall not purposely market outside of these regions.

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                                    EXHIBIT B
                       DESCRIPTION OF DISTRIBUTOR SERVICE

DESCRIPTION OF THE SYSTEM

                  The FIFC quote system has been designed in order to provide
delayed and real-time stock market and related data to individual investors
using the Internet as the data transmission medium. A description of the
hardware and software components of the system are as follows:

HARDWARE

        Figure 1.0a below is a schematic of the basic FIFC quote system;

                             [DIAGRAM APPEARS HERE]

SUBSYSTEMS

                  We currently have 8 distinct subsystems each providing a
critical piece of functionality.

DATA PARSER

                  Receives and parses the data feed, sending parsed data to the
quote server.

QUOTE SERVER

                  Quote server maintains an in memory copy of the latest trading
information for all Symbols.

DATABASE

                  Database (currently Microsoft SQL) contains subscriber
information, including entitlements, as well as exchange and market information
on Symbols.

APPLET SERVER

                  Ticker.bat maintains subscriber portfolios and applet options.
Serves as applet interface to quote information which resides in either the
Database or the Quote Server

USER INTERFACE

                  The user interface is the applet itself (e.g. Portfolio
Manager).

                  Because an applet can only connect back to the machine from
which it is loaded, the User Interface must be co-located with the Applet
Server(s) so it can be loaded and started in the Subscriber's browser.

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WEB SERVER

                  The web server is the internet presence for FIFC. It contains
the home page, help files, ticker lookup, login forms and other html/cgi related
files.

SOFTWARE

                  Typical of most websites, the FIFC quote site features an HTML
interface with the user, but also makes use of innovative Java applets to
provide financial market information to subscribers.

FUNCTIONS THAT THE SYSTEM IS INTENDED TO PERFORM

                  The FIFC quote system is intended only to provide a "window"
between the financial markets and individual investors, there will no
transactions involved. The system allows registered users to login using their
individual Login ID and password in order to access real-time market
information. (Users must register and provide the information that is required
by the stock exchanges as well as credit card information in order to be
eligible to use the service.)

                  Through the web site, investors can access information from
all major North American exchanges. i.e. NASDAQ, New York Stock Exchange,
American Stock Exchange, Toronto Stock Exchange, Montreal Stock Exchange,
Vancouver Stock Exchange, Alberta Stock Exchange, etc.

                  Registered users request real-time updates on equities and
options in a preset portfolio defined by the user, including BBO, Last Sale,
Volume, day hi-lo, 52 wk hi-lo, time of last sale, open, and previous close. The
system provides the quotes in a table format and a ticker format to the user
through a series of graphical user interfaces which have been created using
Java. The system automatically refreshes the information on the screen. The
system is intended to provide a mechanism for investors to track baskets of
securities in real-time.

                  First International intends to offer three levels of service
at three prices:

     delayed data "snapshots"                     -  free
     real-time data "snapshots"                   -  $34.95 per month per user
     real-time data "continuous tick-by-tick"     -  $49.95 per month per user

                  Real-time data is defined by the sources themselves.

                  A "snapshot" is defined as a moment of market data captured
and displayed to the user. The user does not receive every tick change.

                  "Continuous tick-by-tick" is defined as a service in which the
user receives every tick change.

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INFORMATION SOURCES TO BE DISPLAYED

                  As defined in Exhibit A of this agreement.

HOW S & P DATA WILL BE UTILIZED

                  The data itself is the heart of the FIFC quote system. S & P
data will only be used to the extent that FIFC's registered users request market
information from the system. Only a user who has specifically requested (and
paid for) S & P data will be allowed to access real-time market Information.

                  The S & P data feed will only be used to support the intended
uses of the FIFC quote system. Data will not be provided to users through any
other vehicle.

PROFILE OF SYSTEM USERS

                  FIFC quote users are a diverse group of individuals. Perhaps
most important (and most relevant) is the fact that, in accordance with the
exchange agreements, all FIFC quote users will be financial industry
non-professionals. Primary testing and marketing of the site suggests that the
majority of our users are likely to be North American; however, the global reach
of the Internet also allows us to reach users around the world.

DATA EQUIPMENT

                  Data is received via satellite receiver at the Company's
premises and distributed to the S & P Comstock Client Site Processor.

DATA PARSER & QUOTE SERVER

                  These two programs (S & P Comstock Client Site Processor v
3.0) reside in a Digital Equipment Corporation Celebris XL 5166DP with Dual 166
Mhz Pentium processors, 128MB EDO RAM, 512kb cache, Ethernet PCI 10/100 Mbps,
Windows NT 4.0 Database & Webserver The customer database (currently Microsoft
SQL) and webserver (Microsoft Internet Information Server) reside in a Digital
Equipment Corporation Alpha 1000 Server. The AlphaServer configuration is 266
Mhz Pentium, 64-bit platform, 128 MB EDO RAM Windows NT Server 4.0.

APPLET SERVER

                  This program resides in a Digital Equipment Corporation
Celebris XL 5166DP Dual 166 Mhz Pentium processors with 128MB EDO RAM, 512kb
cache, Ethernet PCI 10/100 Mbps, Windows NT 4.0

USER INTERFACE

                  The user interface is the applet itself (e.g. Portfolio
Manager). Because an applet can only connect back to the machine from which it
is loaded, the User Interface must be co-located with the Applet Server(s) so it
can be loaded and started in the Subscriber's browser.

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ENTITLEMENT CONTROLS

                  Entitlements are controlled by First International's
administrative staff. Only users subscribed to the service will receive data.
Users have no control over entitlements. Subscribers access is limited to a
single session per login id, i.e. if a single login id is active another session
cannot be created until the original session is terminated. This eliminates the
action of login id sharing among multiple individuals.

                                       4
<PAGE>   15

                                    EXHIBIT C
                        DESCRIPTION OF COMSTOCK EQUIPMENT

                  Licensee will use the ComStock Digital Data feed from
equipment to be provided at the Licensee's site. The feed will be distributed
through a port of the ComStock Client Site Processor (CSP) into the head end
service of the Licensee. The ComStock CSP is fed with 56KB band data run via
satellite equipment.

                  Licensee location is registered at:

                                    1413 22nd Avenue S.W.
                                    Calgary, Alberta
                                    Canada 12T 0R6

<PAGE>   16

                                    EXHIBIT D
                                SCHEDULE OF FEES

Monthly Fees:
<TABLE>
<S>                                               <C>
        Monthly Base Rate                          $520
        Satellite Equipment if needed              $200
        Subscriber Fees:
</TABLE>

<TABLE>
<CAPTION>

  # of Subscribers      Real-time Continuously Updated     # of Subscribers     Real-Time Snapshot Basis
<S>                     <C>                                <C>                  <C>
       1 -   100                    $20.00                     1 -  100                   $5.00
     101 -   500                    $15.00                   101 -  250                   $4.00
     501 -  1000                    $13.00                   251 -  500                   $3.00
    1001 -                           10.00                   501 - 1000                    2.00
                                                            1001 -                        $1.00

</TABLE>

        NASDAQ Level II                   $15/user
        Full Fundamental Data             $ 2/user - if needed
        S&P News                          $10/user - if needed

                  If Full Fundamental Data and/or S&P News are launched, then a
$1500/month minimum shall apply for the services.

                  Distributor has the right to distribute the delayed ComStock
Information to an unlimited number of Subscribers without any additional monthly
fees.

                  If the above level is not reached, Distributor shall pay S&P
ComStock a minimum Subscriber Fee of $2500 per month after the first six months.

One-Time Fees:

         Installation
         Refundable Security Deposit $500

<PAGE>   17

                                    EXHIBIT E
               TERMS AND CONDITIONS OF USE OF COMSTOCK INFORMATION

                  All information provided by S&P ComStock, Inc. ("ComStock")
and its affiliates (the "ComStock Information") on __ __ World Wide Web site is
owned by or licensed to ComStock and its affiliates and any user is permitted to
store, manipulate, analyze, reformat, print and display the ComStock Information
only for such user's personal use. In no event shall any user publish,
retransmit, redistribute or otherwise reproduce any ComStock Information in any
format to anyone, and no user shall use any ComStock Information in or in
connection with any business or commercial enterprise, including, without
limitation, any securities, investment, accounting, banking, legal or media
business or enterprise.

                  Prior to the execution of a security trade based upon the
ComStock Information, you are advised to consult with your broker or other
financial representative to verify pricing information.

                  Neither ComStock nor its affiliates make any express or
implied warranties (including, without limitation, any warranty or
merchantability or fitness for a particular purpose or use) regarding the
ComStock Information. The ComStock Information is provided to the users "as is."
Neither ComStock nor its affiliates will be liable to any user or anyone else
for any interruption, inaccuracy, error or omission, regardless of cause, in the
ComStock Information or for any damages (whether direct or indirect,
consequential, punitive or exemplary) resulting therefrom.

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