Document:

EXHIBIT 10.3

                              CONSULTING AGREEMENT

     This consulting agreement (the "Agreement"), made effective as of February
9th, 2005 will confirm the understanding between Vista Continental Corp., and
its affiliates and/or subsidiaries (collectively, the "Company") and CLX &
Associates, (`Consultant"), pursuant to which the Company has retained
Consultant in connection with (i) short and long term strategic planning; (ii)
short term crisis management; (iii) short and long term marketing; (iv) meeting
with/selecting qualified companies for joint business ventures; (v) contracting
and interviewing qualified accounting firms and legal counsel; (vi) recruitment
selection of key executives and staff; (vii) internet and website design; and
(viii) recommending and identifying of board members, with all such services
(the "Services") on the terms and subject to the condition set forth herein.

     1. Retention. The Company hereby retains Consultant to provide the
     Services. Consultant shall devote time and effort, as Consultant deems
     necessary to provide the Services.

     2. Further Agreements. This Agreement does not constitute any agreement
     express or implied, on the part of Consultant or the Company or any
     commitment by Consultant, or by the Company to engage Consultant to
     underwrite, purchase, place, or cause the placement of any securities or
     indebtedness or to advise the Company or negotiate on behalf of the Company
     in connection with any sale of any securities or its business or assets or
     in connection with any merger, consolidation or similar transaction.

     3. Compensation. Company will pay consultant for the services 2,600,000
     shares of restricted 144 trading stock.

     4. Termination. The term of this Agreement shall be 3 months.

     5. Indemnity. The Company agrees to indemnify the Indemnified Persons (as
     defined in Schedule as set forth in Schedule A hereto, which Schedule A is
     incorporated herein and made a part hereof.

     6. Representations and Warranties of the Company. In addition to any
     representations and warranties for which provision is made in any other
     agreement between the Company and Consultant, the Company represents and
     warrants to Consultant that at the commencement of the Services and at the
     time of the provision of the Services during the term of this Agreement:

     (a)  (a) The Company will furnish Consultant and its agents and counsel
          with all information concerning the Company that Consultant and its
          agents reasonably deem appropriate and agrees to provide Consultant
          and its agents with reasonable access to the Company's officers,
          directors, accountants, counsel, consultants and other appropriate
          agents and representatives. The Company acknowledges the Consultant
          and its agents may rely upon the completeness and accuracy of
          information and data furnished to any of them

<PAGE>

          by or on behalf of the Company and that the Company will use its best
          efforts to ensure that such information will not contain any untrue
          statement of a material fact or omit to state a material fact
          necessary to make the statements made therein, in light of the
          circumstances under which they were made, not misleading.

     (a)  (b) All payments of compensation to Consultant shall not cause the
          Company to violate any law or regulation applicable to the Company and
          that in the event payment is in the form of securities or instruments
          convertible to securities, each registration statement, preliminary
          and final prospectus required to be filed or previously filed with the
          Securities and Exchange Commission (the "Commission") pursuant to the
          Securities Act of 1933, as amended, and each document required to be
          filed or previously filed with the Commission pursuant to the
          provisions of the Securities Exchange Act of 1934, as amended,
          pertaining to any such securities or instruments convertible into
          securities and each appendix, attachment, amendment, or supplement to
          any of the foregoing and all related documents, including but not
          limited to each related letter of transmittal will not, and no other
          report, filing, document, release or communication mailed, delivered,
          published, or filed by or on behalf of the Company will, contain any
          untrue statement of a material fact or omit to state a material fact
          necessary to make the statements made therein, in light of the
          circumstances under which they were made, not misleading; and

     (b)  (c) This Agreement had been, and the Services contemplated hereby at
          the time of the commencement and consummation thereof, shall be duly
          authorized by the Company.

     7. Certain Other Covenants of the Company. Other than to the Company's
     representatives, the Company agrees that no advice or recommendations
     rendered or summarized, excerpted from or otherwise referred to without
     Consultant's prior written consent. In addition, other than to the
     Company's representatives, Consultant may not be otherwise referred to by
     the Company without Consultant's prior written consent or unless required
     by law.

     8. Survival of Certain Provisions. The compensation provisions contained in
     paragraph 3 above, the indemnity contained in paragraph 5 hereof and the
     representations and warranties of the Company contained in paragraph 6
     hereof and this paragraph 8 shall remain operative and in full force and
     effect regardless of (i) any investigation made by or on behalf of
     Consultant, or by or on behalf of any Indemnified Person (as such is
     defined in Schedule A hereto), and (ii) any termination or expiration of
     this Agreement, and shall be binding upon, and shall inure to the benefit
     of, any successors, assigns, heirs and personal representatives of the
     Company, Consultant, and any and all Indemnified Persons.

<PAGE>

     9. Notices. Notice given pursuant to any of the provisions of this
     Agreement shall be in writing and shall be mailed or delivered (i) to the
     Company at: 6600 West Charleston Boulevard, Suite 118, Las Vegas, NV 89146
     and (ii) CLX & Associates, 1300 Coral Way, Miami, FL 33145.

     10. Construction. This Agreement, including Schedule A hereto, incorporates
     the entire understanding of the parties and supersedes all previous
     agreements and shall be governed by, and constructed in accordance with,
     the laws of the State of Florida as applied to contracts made and performed
     in such State. The Company and Consultant each hereby irrevocably submits
     to the exclusive jurisdiction of the Federal and Florida State courts
     located in Miami-Dade County, Florida in connection with any suit, action,
     or proceeding related to this Agreement or any of the matters contemplated
     hereby, irrevocably waives any defense of lack of personal jurisdiction and
     irrevocably agrees that all claims in respect of any such suit, action or
     proceeding may be heard and determined in any such court. The Company and
     Consultant each irrevocably waives, to the fullest extent it may
     effectively do so under applicable law, any objection which it may now or
     hereafter have to the laying of venue of any such suit, action or
     proceeding brought in any such court and any claim that any such suit,
     action or proceeding brought in any such court had been brought in an
     inconvenient forum. Each Indemnified Person (as defined in Schedule A to
     this Agreement) is intended to be a third party beneficiary of the
     provisions of paragraph 5 hereof and Schedule A. All obligations of the
     Company hereunder and under Schedule A shall be joint and several
     obligations of the Company and its affiliates and subsidiaries. In the
     event it is necessary for Consultant to file an action in either equity
     and/or at law to enforce this Agreement, Company shall be responsible and
     obligated to pay Consultant all attorneys' fees and costs, including
     appellate.

     11. Severability. Any determination that any provision of this Agreement
     (including any provision of Schedule A) may be, or is unenforceable shall
     not affect the enforceability of the remainder of this Agreement (including
     Schedule A)

     12. Headings. The paragraph headings in this Agreement have been inserted
     as a matter of convenience of reference and are not part of this Agreement.

     13. Counterparts. This Agreement may be executed in two or more
     counterparts and by facsimile, each of which shall be deemed an original,
     but all of which shall constitute one and the same instrument.

     14. Third Party Beneficiaries. This Agreement has been and is made solely
     for the benefit of the Company and Consultant (including other Indemnified
     Persons for purposed of paragraph 5 hereof and Schedule A only) and
     Schedule A hereof and their respective successors and assigns, and no other
     person shall acquire or have any right under or by virtue of this
     Agreement.

     15. Modification. This Agreement may not be modified or amended except in
     writing, duly executed by the parties hereto.

<PAGE>

     If the foregoing terms correctly set forth our agreement, please confirm
     this by signing and returning to Consultant a duplicate copy of this
     letter. Thereupon, this letter, as signed in counterpart, shall constitute
     our agreement on the subject matter herein.

                                               CLX & Associates Inc.

                                               By: /s/ Robert Weidenbaum
                                                   ----------------------------
                                                   Robert Weidenbaum, President

Confirmed and agreed to as of the date first above written:

Vista Continental Corp.
-----------------------

By:
    --------------------------
Name:
      ------------------------
Title:
       -----------------------

<PAGE>

                                   Schedule A
                                    Indemnity
                                    ---------

     This Schedule A is a part of and is incorporated into that certain
consulting agreement (the "Consulting Agreement" and together with this Schedule
A, the "Agreement"), Vista Continental Corp., (collectively, the "Company") and
CLX & Associates, ("Consultant"). Capitalized terms used herein without
definition shall have the meanings ascribed to them in the Letter Agreement.

     The Company agrees to indemnify and hold harmless Consultant, his
affiliates and their respective directors, officers, agents, and employees
(Consultant and each such entity or person are an "Indemnified Person" from and
against any losses, claims, damages, judgments, assessments, costs, and other
liabilities (collectively "Liabilities"), and will reimburse each Indemnified
Person for all reasonable fees and reasonable expenses (including the reasonable
fees and reasonable expenses of counsel at trial and on appeal (collectively,
"Expenses") as they are incurred in an investigating, preparing, pursuing, or
defending any claim, action, proceeding or investigation, whether or not in
connection with pending or threatened litigation and whether or not any
indemnified person is a party (collectively, "Actions"), (i) caused by, arising
out of or in connection with the Company's breach of this Agreement including,
but not limited to the breach of any representation, warranty or term contained
in the Consulting Agreement, or services rendered or to be rendered by any
Indemnified Person pursuant to the Consulting Agreement. The Company will not be
responsible for any Liabilities or Expenses of any Indemnified Person that are
determined by a judgment of a court of competent jurisdiction which is no longer
subject to appeal or further review to have resulted solely from the gross
negligence, bad faith or willful misconduct of an Indemnified Person in
connection with any of the Services referred to in the Consulting Agreement. The
Company also agrees to reimburse each Indemnified Person for all Expenses as
they are incurred in connection with enforcing such Indemnified Person's rights
under this Agreement (including, without limitation, its rights under this
Schedule A) and the Consulting Agreement.

     Upon receipt by an Indemnified Person of actual notice of an Action against
such Indemnified Person with respect to which indemnity may be sought under this
Agreement, such Indemnified Person shall promptly notify the Company in writing;
provided that failure so to notify the Company shall not relieve the Company
from any liability which the Company may have on account of this indemnity or
otherwise, except to the extent the Company shall have been materially
prejudiced by such failure. The Company shall, if requested by Consultant or at
the Company's option, assume the defense of any such Action including the
employment of counsel selected by the Company that is reasonably satisfactory to
Consultant. Notwithstanding the Company's option to assume a defense of an
Indemnified Person, any Indemnified Person shall have the right to employ
separate counsel in any such Action and participate in the defense thereof, with
the fees and expenses of such counsel shall be at the expense of the Company.
The Company shall not be liable for any settlement of any Action effected
without its prior written consent (which shall not be unreasonably withheld). In
addition, the Company will not, without prior written consent of Consultant,
settle, compromise or consent to the entry of any judgment in or otherwise seek
to terminate any pending or threatened Action in respect of which
indemnification or contribution may be sought hereunder (whether or not any
Indemnification

<PAGE>

Person is party thereto) unless such settlement, compromise, consent or
termination includes an unconditional release of each Undefined Person from all
Liabilities arising out of such Action.

     The Company also agrees that no Indemnified Person shall have any liability
(whether direct or indirect, in contract or tort or otherwise) to the company
for or in connection with Services rendered or to be rendered by the Indemnified
Person pursuant to this Agreement. The transactions contemplated hereby or any
Indemnified Person's actions or inactions in connection with any such Services
except for Liabilities competent jurisdiction which is no longer subject to
appeal or further review to have resulted solely from the gross negligence, bad
faith, or willful misconduct of an Indemnified Person in connection with such
Services.

     The reimbursement and indemnity obligations of the Company set forth herein
shall apply to any modification of this Agreement and the Consulting Agreement
and shall remain in full force and effect regardless of any termination of, or
the completion of any Indemnified Person's Services under or in the connection
with, this Agreement and the Consulting Agreement.Indemnification Agreement DFC Amendment

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Exhibit 10.1

INDEMNIFICATION AGREEMENT

 

Dated as of December 15, 2004 between

DOWNEY FINANCIAL CORP. ("DFC"), and 

____________________________ ("Indemnitee")

          WHEREAS, the Board of Directors has determined that the ability to attract and retain qualified persons as directors is important to the best interests of DFC’s stockholders and that DFC should act to protect such persons against risks of claims and actions against them arising out of their service to and activities on behalf of DFC; and

          WHEREAS, DFC desires to have Indemnitee serve or continue to serve as a director of DFC free from undue concern for unpredictable, inappropriate or unreasonable legal risks and personal liabilities by reason of Indemnitee acting in good faith in the performance of Indemnitee’s duties to DFC.

          Now, therefore, in consideration of Indemnitee’s service or continued service as a director of DFC, the parties hereto agree as follows:

	Service by Indemnitee.  Indemnitee will serve and/or continue to serve as a director of DFC faithfully and to the best of Indemnitee’s ability so long as Indemnitee is duly elected and until such time as Indemnitee is removed as permitted by law or tenders a resignation in writing.  Nothing contained in this Indemnification Agreement shall give rise to any right of continued service.

	Definitions.  For purposes of this Agreement:

          (a)          "Expenses" includes attorneys’ fees and costs, witness fees and expenses, fees and expenses of accountants and other advisors, any bond (including cost bonds, appraisal bonds or their equivalents), and any expenses of establishing a right to indemnification under this Agreement.

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          (b)          "Proceeding" includes any threatened, pending or completed investigation, action, suit or other proceeding against Indemnitee, based in part on Indemnitee serving as a director of DFC.  

3.          Advances to Pay Expenses.  If Indemnitee is a party or is threatened to be made a party or witness to any Proceeding, DFC shall advance funds to pay all reasonable and necessary Expenses incurred by Indemnitee at the request of Indemnitee, within thirty days after DFC receives the request.  The request must include reasonable proof of the Expenses which Indemnitee has incurred and shall be accompanied by an undertaking, in the form of Exhibit A attached hereto, which shall obligate Indemnitee to reimburse the advances made by DFC if it is finally determined by arbitration or in the pending Proceeding that Indemnitee is not entitled to indemnification.  Any advances to pay Expenses shall not require pre-approval of the Board of Directors, so long as the other requirements in this Section 3 are satisfied.  

4.          Indemnification.  DFC shall indemnify Indemnitee to the fullest extent permitted by applicable law, rules and regulations if Indemnitee is a party or is threatened to be made a party or witness to any Proceeding, so long as Indemnitee acted in good faith and in a manner Indemnitee reasonably believed to be in the best interests of DFC, and with respect to any criminal Proceeding, Indemnitee had no reasonable cause to believe his or her conduct was unlawful. This indemnification covers all Expenses, judgments, fines and penalties actually incurred or levied by or against Indemnitee in connection with such Proceeding. Any required determination of Indemnitee’s right to indemnification shall be made under section 145(d)(1), (d)(2) or (d)(3) of the Delaware General Corporation Law, in that order.  

5.          Presumptions and Effect of Certain Proceedings.  The termination of any Proceeding by judgment, order, settlement or conviction, or upon a plea of nolo contendere or its equivalent, shall not, of itself:  (a) create a presumption that Indemnitee did not act in good faith and in a manner which Indemnitee reasonably believed to be in or not opposed to the best interests of DFC, or, with respect to any criminal Proceeding, that Indemnitee had reasonable cause to believe that Indemnitee’s conduct was unlawful; or (b) otherwise adversely affect the rights of Indemnitee to indemnification except as may be provided herein.

6.          Indemnitee’s Right to Arbitration.  If a determination is made that Indemnitee is not entitled to indemnification hereunder or if payment has not been timely made following a determination of entitlement to indemnification, Indemnitee shall be entitled to seek an award in a private and confidential arbitration to be conducted by a single retired judge arbitrator pursuant to the rules of and subject to the procedures of JAMS, which arbitration shall provide for complete discovery subject to regulation by the arbitrator and shall be conducted with full confidentiality to avoid prejudicing rights in pending or threatened Proceeding.  Indemnitee shall not be prejudiced by any prior determination that Indemnitee is not entitled to indemnification.  If the arbitrator shall determine that Indemnitee is entitled to any indemnification or payment of Expenses hereunder, DFC shall pay all Expenses actually and reasonably
incurred by Indemnitee in connection with such arbitration.  

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7.          Other Rights to Indemnification.  Indemnification and payment of Expenses provided by this Agreement shall not be deemed exclusive of any other rights to which Indemnitee may now or in the future be entitled under any provision of the Certificate of Incorporation, by-laws or other organizational documents of DFC, vote of stockholders or other directors, provision of law, agreement or otherwise.

8.          Continuation of Indemnity.  All agreements and obligations of DFC contained herein shall cover the period Indemnitee is a director of DFC and shall continue thereafter with respect to any possible claims based on Indemnitee’s service as a director of DFC.  This Agreement shall be binding upon all successors and assigns of DFC (including any transferee of all or substantially all of its assets and any successor by merger or operation of law) and shall inure to the benefit of the heirs, personal representatives and estate of Indemnitee.

9.          Notification and Defense of Claim.  Promptly after Indemnitee learns that he or she is or may become a party to, or witness in, any Proceeding, Indemnitee will notify DFC’s General Counsel in writing; but the failure to give such notice will not relieve DFC from any liability that it may have to Indemnitee.  DFC may participate in the Proceeding at its own expense and may assume the joint defense of Indemnitee and DFC in the same Proceeding.  While Indemnitee may employ his or her own counsel in such Proceeding, Indemnitee must pay all expenses for his or her own counsel once DFC has offered the joint defense, unless there is a conflict of interest in having the same counsel represent both DFC and Indemnitee in such Proceeding.  If DFC has assumed the joint defense, DFC shall not be liable for any amounts paid by Indemnitee in settlement of any Proceeding effected without DFC’s consent.  Neither DFC nor Indemnitee
will unreasonably withhold consent to any proposed settlement. 

10.          Separability; Prior Indemnification Agreements.  If any provisions of this Agreement shall be held to be invalid, illegal or unenforceable (a) the validity, legality and enforceability of the remaining provisions of this Agreement shall not be affected or impaired thereby, and (b) to the fullest extent possible, the provisions of this Agreement shall be construed so as to give effect to the intent of the parties that DFC provide protection to Indemnitee to the fullest enforceable extent.  This Agreement shall supersede and replace any prior indemnification agreements entered into by and between DFC and Indemnitee and any such prior agreements shall be terminated upon execution of this Agreement.

11.          Other Provisions.

          (a)          This Agreement shall be interpreted and enforced in accordance with the laws of Delaware.

          (b)          This Agreement may be executed in one or more counterparts, each of which shall for all purposes be deemed to be an original but all of which together shall constitute one and the same Agreement.  

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          (c)          Upon a payment to Indemnitee under this Agreement, DFC shall be subrogated to the extent of such payment to all of the rights of Indemnitee to recover for such liability, and Indemnitee shall execute all documents and instruments required and shall take such other actions as may be necessary to secure such rights. 

          (d)          Both DFC and Indemnitee acknowledge that in certain instances, federal or state laws, rules and regulations (including the Federal Deposit Insurance Act (12 U.S.C. section 1818), Section 16(b) of the Securities Exchange Act of 1934, and 12 C.F.R. section 359) and/or an effective order issued by a governmental agency may restrict, condition or prohibit DFC from indemnifying its directors under this Agreement or otherwise.  DFC intends to comply with such laws, rules and regulations, and in doing so shall not be held to have violated this Agreement.  Furthermore, Indemnitee acknowledges that he/she has had an opportunity to retain independent counsel to review and provide advice with respect to this Agreement.  

          (e)          No supplement, modification or amendment of this Agreement shall be binding unless executed in writing by both parties hereto.  No waiver of any of the provisions of this Agreement shall be deemed or shall constitute a waiver of any other provisions hereof (whether or not similar) nor shall such waiver constitute a continuing waiver.

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

                                                  DOWNEY FINANCIAL CORP.

                                                                                                                             

                                                  

                                                  By  ____________________________________

                                                                                                                             

                                                  

                                                  Its ____________________________________

                                                                                                                             

                                                  

                                                   ____________________________________

                                                                                                                             

                                                   Indemnitee

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EXHIBIT A

UNDERTAKING

 

          WHEREAS the undersigned has applied to Downey Financial Corp. ("DFC") for an advance to cover expenses (including attorneys’ fees) actually and reasonably incurred in connection with the defense or settlement of an action or proceeding covered by an indemnification agreement or by-laws; and

          WHEREAS DFC will not and cannot advance expenses in the absence of an unconditional undertaking.

          THE UNDERSIGNED HEREBY unconditionally undertakes to reimburse DFC for all amounts advanced for reasonable costs incurred by the undersigned in defending a covered action or proceeding if it is ultimately determined by arbitration or the Delaware Court of Chancery that the undersigned is not entitled to be indemnified by DFC as authorized by Section 145 of the Delaware General Corporation Law or by the Federal Deposit Insurance Act, 12 U.S.C. § 1811, et seq.  The reimbursement will be provided within ten days of written notice that the Chancery Court or arbitration has determined the undersigned is not entitled to indemnity.

          Executed at _________________ this _________ day of _____________ 200_.

                                                                      __________________________________

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