Document:

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                                                                   Exhibit 10.32

                           NATIONAL PROCESSING COMPANY
                      LONG-TERM INCENTIVE COMPENSATION PLAN
                               FOR SENIOR OFFICERS

               As Amended and Restated Effective February 1, 2003

                  ARTICLE 1. ESTABLISHMENT AND PURPOSE OF PLAN

         1.1 Establishment of the Plan. The following are the provisions of the
National Processing Company Long-Term Incentive Compensation Plan for Senior
Officers (herein referred to as the "Plan"), effective as of February 1, 2003,
which is an amendment and restatement of the National City Processing Company
Long-Term Incentive Plan for Senior Officers effective January 1, 2000
("Predecessor Plan").

         1.2 Effectiveness. The Plan shall be effective for all purposes with
respect to Plan Cycles commencing on or after February 1, 2003.

         1.3 Purpose. The purpose of the Plan is to maximize the returns to
stockholders and to promote the long-term profitability and success of the
Corporation by providing an incentive to those key executives of the Corporation
who are primarily responsible for such profitability and success.

         1.4 Operation of the Plan. The Plan shall be administered by the
Committee. A Plan Cycle of three years will be established each year that the
Plan is in operation. With respect to any award made under the Plan, however,
the Plan shall serve as a non-qualified plan providing for and governing the
treatment of deferred compensation at the election of the Participant and/or the
Committee, or as required by the Plan, as provided herein.

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                             ARTICLE 2. DEFINITIONS

         2.1 Definitions. Whenever used herein, the following terms shall have
the meanings set forth below, unless otherwise expressly provided. When the
defined meaning is intended, the term is capitalized.

         (a)      "Account" means the account described in Section 10.3.

         (b)      "Active Participant" shall mean an Eligible Employee who is
                  approved by the Committee for participation in a Plan Cycle of
                  the Plan. Such approval shall be determined with respect to
                  each Plan Cycle prior to March 31 of the first year of that
                  Plan Cycle, and shall be redetermined with respect to each new
                  Plan Cycle.

         (c)      "Average Stock Price" shall be determined with respect to each
                  Plan Cycle for the month of December prior to such Plan Cycle
                  (the Average Stock Price at the beginning of the Plan Cycle)
                  and for the last full calendar month of the Plan Cycle (the
                  Average Stock Price at the end of the Plan Cycle) and shall
                  mean the arithmetic mean (the average) of the closing prices
                  of a share of common stock of a company as reported on any
                  national securities exchange (or by any national quotation
                  system accepted by the Committee for this purpose) for each of
                  the trading days (on which such shares were traded) in such
                  calendar month. If the shares of common stock are not then so
                  traded or regularly reported, the stock price shall be
                  determined by such means as the Committee shall determine.
                  Notwithstanding the foregoing, the Committee may determine
                  prior to the start of a Plan Cycle that a different set of
                  time periods are appropriate for measuring performance under
                  the Plan, and such different time periods may be used to
                  determine Average Stock Prices at the beginning and the end of
                  such Plan Cycle.

         (d)      "Base Salary" shall mean the average annual salary of an
                  employee during that portion, or all of the Plan Cycle for
                  which he or she is an Active Participant, exclusive of any
                  bonuses, incentive pay, special awards, or stock options.

         (e)      "Board" shall mean the Board of Directors of the Corporation.

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         (f)      "Change in Control" see Section 12.3.

         (g)      "Corporation" shall mean National Processing Company.

         (h)      "Committee" shall be composed of the Chief Executive Officer
                  of the Corporation, the individual at National City
                  Corporation who has primary responsibility of monitoring the
                  activities of the Corporation and the officer in charge of
                  Corporate Human Resources at National City Corporation.

         (i)      "Covered Executive" means any individual who is, or is
                  determined by the Committee to be likely to become a "covered
                  employee" within the meaning of Section 162(m) of the Internal
                  Revenue Code.

         (j)      "Crediting Date" means the last business day of each calendar
                  month or such other date or dates as determined by the
                  Committee so long as there is no less than one Crediting Date
                  each calendar year.

         (k)      "Disability" shall mean the inability, by reason of a
                  medically determinable physical or mental impairment, to
                  engage in substantial and gainful activity for a continuous
                  period of 26 weeks or more as determined by the Committee.

         (l)      "Early Retirement" shall mean retirement at or after age 55
                  with at least ten years of service with the Employer and/or
                  National City Corporation prior to Normal Retirement.

         (m)      "Earnings Award" shall mean the payment earned by a
                  Participant based on earnings growth as set forth in Section
                  4.2.

         (n)      "Effective Date" see Section 12.4.

         (o)      "Eligible Employee" shall mean an Employee who is employed in
                  a position meeting the defined eligibility criteria for
                  participation in the Plan, as set forth in Article 3.

         (p)      "Employee" shall mean an individual employed by an Employer on
                  a regular active and full-time salaried basis.

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         (q)      "Employer" shall mean the Corporation or any corporation,
                  organization or entity controlled by the Corporation.

         (r)      "Enrollment Period" means the period in each calendar year
                  designated by the Plan Administrator during which Eligible
                  Employees make elections to defer Compensation earned during
                  the following Plan Year.

         (s)      "Evaluation Date" means the last day of the Plan Year.

         (t)      "Implementation Date" see Section 12.4.

         (u)      "Inactive Participant" shall mean an individual who was an
                  Active Participant in the Plan for a Plan Cycle, who is not
                  currently an Active Participant for a Plan Cycle but who
                  continues to have an interest under the Plan.

         (v)      "Internal Revenue Code" means the Internal Revenue Code of
                  1986, as amended from time to time.

         (w)      "Investment Option" means any arrangement deemed suitable by
                  the Plan Administrator from time to time for the purpose of
                  providing an investment credit on amounts deferred.

         (x)      "Normal Retirement" shall mean leaving the employ of the
                  Employer and National City Corporation at or after the age 62
                  with at least twenty years of continuous service with the
                  Employer and/or National City Corporation or at or after the
                  age 65 with at least five years of continuous service with the
                  Employer and/or National City Corporation.

         (y)      "Participant" shall mean and include all Active Participants
                  and all Inactive Participants.

         (z)      "Payment Date" means any day within thirty (30) days following
                  an Evaluation Date a Participant receives a distribution.

         (aa)     "Peer Group" shall mean a group of comparable corporations
                  used to measure relative performance. Such Peer Group shall be
                  established by the Committee for

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                  each Plan Cycle prior to the commencement of the Plan Cycle,
                  and shall not thereafter be changed with respect to such Plan
                  Cycle, provided, however, that one or more members of a Peer
                  Group shall be dropped therefrom in the event of the
                  acquisition of the Peer Group Member, the acquisition of
                  sixty-five percent or more of the gross assets of the Peer
                  Group Member or the merger of the Peer Group Member with
                  another company(ies) where the Peer Group Member is not the
                  surviving corporation.

         (bb)     "Peer Group Award" shall mean the payment earned by a
                  Participant based on comparison of the Total Shareholder
                  Return with the Peer Group as set forth in Section 4.1.

         (cc)     "Plan" shall mean this National Processing Company Long-Term
                  Incentive Compensation Plan for Senior Officers Effective
                  February 1, 2003.

         (dd)     "Plan Administrator" shall mean the Plan Administrator of the
                  National City Corporation Deferred Compensation Plan or such
                  other person or group as established or designated by the
                  Committee from time to time.

         (ee)     "Plan Cycle" shall mean a period of three consecutive fiscal
                  years of the Corporation and shall be referred to by the
                  fiscal year in which a particular Plan Cycle commences.

         (ff)     "Plan Year" means the calendar year. The first Plan Year shall
                  be 2003.

         (gg)     "Predecessor Plan" see Section 1.1.

         (hh)     "Subsidiary" means an entity in which the Corporation directly
                  or indirectly owns 50% or more of the voting equity
                  securities.

         (ii)     "Successor" see Section 12.3(a).

         (ll)     "Termination Date" means the later of (i) the individual's
                  last day worked or (ii) the last day an individual receives a
                  Salary payment either for services rendered or as salary
                  continuation.

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         (mm)     "Total Award" shall mean the payment earned by a Participant
                  based on the Peer Group Award and the Earnings Award.

         (nn)     "Total Stockholder Return" with respect to a stock shall be
                  calculated in the following manner:

                  (i)   Add the Average Stock Price at the end of the Plan Cycle
                        for such stock to the dividends paid on the stock during
                        the Plan Cycle (if any), and then subtract the Average
                        Stock Price at the beginning of the Plan Cycle for such
                        stock.

                  (ii)  Divide the resulting sum of (i) above by the Average
                        Stock Price at the beginning of the Plan Cycle for such
                        stock.

                  (iii) The result equals Total Stockholder Return with respect
                        to such stock for the Plan Cycle.

          (oo)   "Vesting Event" shall mean the earliest to occur of the
                 following events:

                  (1)   for each Award, the end of the respective Plan Cycle,

                  (2)   the Effective Date of a Change in Control,

                  (3)   the date a Participant is eligible to retire on a Normal
                        Retirement,

                  (4)   the date a Participant incurs a Disability,

                  (5)   the date of a Participant's death.

         Each Participant and Beneficiary with respect to whom a Vesting Event
         has occurred shall be 100% vested in his or her benefits or Awards
         earned or accrued hereunder as of the date of such Vesting Event,
         subject to the forfeiture provisions of Article 11.

        (pp)     "Voting Stock" shall mean the then outstanding
                 securities of the Corporation entitled to vote in the election
                 of directors.

         2.2 Gender and Number. Except when otherwise indicated by the context,
any masculine terminology used herein also shall include the feminine, and the
definition of any term in the singular shall include the plural.

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                    ARTICLE 3. ELIGIBILITY AND PARTICIPATION

         3.1 Eligibility. Eligibility for participation in the Plan will be
limited to those senior officers of the Corporation and its subsidiaries who, by
the nature and scope of their positions, are materially responsible for the
management, growth, and overall success of the Corporation, as determined by the
Committee.

         3.2 Participation. Participation in the Plan shall be determined by the
Committee with respect to each Plan Cycle prior to the commencement of the Plan
Cycle. The Committee may base its approval upon the recommendation of the
President of the Corporation. The Committee shall classify senior officers for
the purposes of the Plan into the following categories:
<TABLE>
<CAPTION>
                  Category                          Persons Included
                  --------                          ----------------
                  <S>                               <C>
                  Category I                        President of the Corporation

                  Category II                       Executive  officers of the
                                                    Corporation and Executive
                                                    officers of major
                                                    subsidiaries of the
                                                    Corporation and similar
                                                    officers
</TABLE>

         Each Eligible Employee approved for participation shall be notified of
the selection as soon after approval as is practicable and shall become a
Participant upon acceptance by him or her of such selection; provided however,
that after December 31, 1994, no Eligible Employee shall become a Participant in
the Plan with respect to any Plan Cycle after the commencement of such Plan
Cycle.

         3.3 Participant for Part of a Plan Cycle. In the event an Employee is
an Eligible Employee for only a portion of a Plan Cycle (Participation Portion)
such Eligible Employee may, in the Committee's discretion, be a Participant for
such portion of the Plan Cycle but his or her Award will be based upon his or
her Base Salary at the end of such Participation Portion and such Award will
normally be pro-rated to reflect the number of months in the Participation
Portion of the Plan Cycle compared to the number of months in the total Plan
Cycle.

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         3.4 Category Changes During a Plan Cycle. In the event a Participant is
promoted or demoted from one Category to another during a Plan Cycle, the
Committee may, in its discretion, (a) continue such Participant in the Category
he or she was in prior to such promotion or demotion, (b) provide for
participation from and after the promotion or demotion to the new Category, or
(c) provide for a combination of (a) and (b).

         In the event of a Plan Cycle for which the Participant's participation
is thus split between two Categories, the Award for such Plan Cycle will
normally be pro-rated to reflect the portions of the Plan Cycle spent in each
Category and each part of the Award will be based upon the Participant's Base
Salary at the end of the appropriate portions of the Plan Cycle.

         3.5 No Right to Participate. No Participant or Employee shall have a
right at any time to be selected for current or future participation in the
Plan.

                         ARTICLE 4. AWARD DETERMINATION

         4.1 Peer Group Award for Each Plan Cycle. Prior to the beginning of the
Plan Cycle the Committee shall establish the threshold award, target award and
maximum award performance levels for the Plan Cycle, against which the Total
Stockholder Return of the Corporation for the Plan Cycle shall be compared to
average (arithmetical mean) of the Total Stockholder Returns of the members of
the Peer Group. The Committee shall also determine the membership of the Peer
Group for the Plan Cycle at such time.

         4.2 Earnings Growth. The threshold Earnings Award shall be awarded if,
in the sole discretion of the Committee the Corporation has achieved a compound
growth rate in earnings per share of 10%, target Earnings Award shall be awarded
if, in the sole discretion of the Committee the Corporation has achieved a
compound growth rate in earnings per share of 12%. The maximum Earnings Award
shall be awarded if, in the sole discretion of the Committee, the Corporation
has achieved a compound growth rate in earnings per share of 15%. If the
compound growth rate in earnings per share of the Corporation is greater than
10% but less than 15%. The Committee shall pro-rate the award. In determining
the compound growth rate in

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earnings per share of the Corporation the Committee may make adjustments as it
deems appropriate for acquisitions, divestitures and other one-time events.

         4.3 Total Award. The amount of Total Award that shall be awarded to a
Participant under this Plan shall be expressed as a percentage of Base Salary.
Such percentage shall be determined on the basis of the attainment, or lack of
attainment, by the Corporation of the threshold, target or maximum performance
for the Peer Group Award and target or maximum performance for the Earnings
Award, as follows:

                                Peer Group Award
                          Percent of Base Compensation

<TABLE>
<CAPTION>
                  Category  Threshold        Target           Maximum
                  --------  ---------        --------         -------
                  <S>       <C>              <C>              <C>
                      I        6%              12%              24%
                      II       4%               8%              16%
</TABLE>

                                 Earnings Award
                          Percent of Base Compensation
<TABLE>
<CAPTION>

                  Category  Threshold          Target         Maximum
                  --------  ---------          ------         -------
                  <S>       <C>                <C>            <C>
                     I         9%                18%             36%
                     II        6%                12%             24%
</TABLE>

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                          ARTICLE 5. PAYMENT OF AWARDS

         5.1 Form and Timing of Payment of Awards. Within 90 days after the end
of the Plan Cycle, the Participant's shall be entitled to receive a cash payment
equal to the entire amount of the Participant's Award, unless Participant has
elected to defer the Award under Article 10 herein. Except as otherwise provided
for in Section 6.1, to receive an Award a Participant must be an Employee on the
date on which the Plan Cycle ends. The Committee may terminate a Participant's
Award prior to any Vesting Event.

                      ARTICLE 6. TERMINATION OF EMPLOYMENT

         6.1 Termination of Employment due to Death, Disability or Normal
Retirement. In the event a Participant's employment is terminated during a Plan
Cycle at or after the occurrence of a Vesting Event other than a Change in
Control the Participant shall be eligible to receive a pro-rated Award
reflecting his or her partial participation. This pro-ration shall be determined
by multiplying the Award by a fraction the numerator of which is the number of
full months of participation to the date participation ends, and the denominator
of which is 36. The Award thus determined shall be payable as soon as
practicable following the end of the Plan Cycle.

         6.2 Other Terminations of Employment. In the event a Participant's
employment is terminated during a Plan Cycle prior to a Vesting Event, the
Participant's participation in such Plan Cycle shall end and the Participant
shall not be entitled to any Award for such Plan Cycle.

                        ARTICLE 7. RIGHTS OF PARTICIPANTS

         7.1 Employment. Nothing in this Plan shall interfere with or limit in
any way the right of the Corporation to terminate a Participant's employment at
any time, nor confer upon any Participant any right to continue in the employ of
the Corporation.

         7.2 Restrictions on Assignments. The interest of a Participant or his
or her beneficiary under this Plan may not be sold, transferred, assigned, or
encumbered in any manner, either voluntarily or involuntarily, and any attempt
to so anticipate, alienate, sell, transfer, assign,

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pledge, encumber, or charge the same shall be null and void; neither shall the
benefits hereunder be liable for or subject to the debts, contracts,
liabilities, engagements, or torts of any person to whom such benefits or funds
are payable, nor shall they be subject to garnishment, attachment, or other
legal or equitable process, nor shall they be an asset in bankruptcy.

                            ARTICLE 8. ADMINISTRATION

         Administration. The Plan shall be administered by the Committee in
accordance with any administrative guidelines and any rules that may be
established from time to time by the Committee. The procedures, standards and
provisions of this Plan for determining eligibility for and amounts of Awards in
themselves confer no rights, duties or privileges upon Participants nor place
obligations upon either the Committee or the Corporation. Accordingly, the
Committee may, in making such determinations hereunder, deviate from such
procedures and standards in whatever manner that it, in its judgment, deems
appropriate.

                  The Committee shall have full power and authority to
interpret, construe and administer the Plan and its interpretations and
construction hereof, and actions hereunder, including the timing, form, amount
or recipient of any payment to be made hereunder, and its decisions shall be
binding and conclusive on all persons for all purposes.

                  The Committee may name assistants who may be, but need not be,
members of the Committee. Such assistants shall serve at the pleasure of the
Committee, and shall perform such functions as are provided for herein and such
other functions as may be assigned by the Committee.

                  No member of the Board, Committee or any assistant shall be
liable to any person for any action taken or omitted in connection with the
interpretation and administration of this Plan unless attributable to his or her
own willful misconduct or lack of good faith.

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                         ARTICLE 9. REQUIREMENTS OF LAW

         9.1 Laws Governing. This Plan shall be construed in accordance with and
governed by the laws of the State of Ohio.

         9.2 Withholding Taxes. The Corporation shall have the right to deduct
from all payments under this Plan any federal, local or state taxes required by
the law to be withheld with respect to such payments.

         9.3 Plan Binding on Corporation, Employees and Their Successors. This
Plan shall be binding upon and inure to the benefit of the Corporation, its
successors and assigns and each Participant and his or her beneficiaries, heirs,
executors, administrators and legal representatives.

                         ARTICLE 10. DEFERRAL OF AWARDS

         10.1 Election to Request Deferral of Award; Deferral Percentage. The
Committee shall determine which Participants or group of Participants of, if
any, shall be eligible to make deferral elections under this Plan. Each
Participant who is therefore eligible to elect to request deferral of a portion
or all of his or her Award for a Plan Cycle, shall be given the opportunity
prior to the last Plan Year in the Plan Cycle, to make such request. Such
election and the percentage of Award requested to be deferred shall be
irrevocable and fixed with respect to such Participant and such Plan Cycle from
and after the December 31 of the year prior to the last year of the Plan Cycle.

                  The request and determination of the portion of the Award to
be deferred shall be made in terms of 1% increments of the Award.

                  Participants becoming Participants during a Plan Cycle shall,
if determined to be eligible to do so, make any such deferral request to defer
prior to the commencement of their participation and the same shall become
irrevocable and fixed as of the day prior to the commencement of their
participation.

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                  Promotion or demotion during a Plan Cycle shall not affect the
fixed and irrevocable nature of a deferral request made prior to such Plan Cycle
for such Plan Cycle.

         10.2 Deferral of Awards; Committee's Decision. Notwithstanding any
request to defer none, a portion, or all of an Award hereunder submitted by a
Participant pursuant to Section 10.1 above, and not withstanding the Committee's
prior determination as to the eligibility of any Participant or group of
Participants to defer a portion or all of any Award hereunder, the Committee
shall make the decision, in the case of each Participant, whether or not to
defer any portion or all of any Participant's Award with respect to any Plan
Cycle. Such decision shall be made in the discretion of the Committee, which
extends to the percentage of any Award to be deferred.

                  The Committee's decision shall be final and binding on all
parties. Any amount to be deferred shall not be paid to the Participant but
shall be deferred as provided in this Article 10.

         10.3 Accounts. An unfunded bookkeeping account shall be established and
maintained by the Corporation in the name of each Participant who has deferred
compensation hereunder. The Account shall be credited with all amounts deferred
under the Plan net of applicable taxes. The amounts credited to each Account, as
reduced for amounts distributed under Article 10, shall be adjusted each
Crediting Date to reflect gain or loss from Investment Option(s) selected by the
Participant. Such Accounts shall remain a part of the general liabilities of the
Corporation and nothing in this Plan shall be deemed to create a trust or fund
of any kind or any fiduciary relationship. Each Account may be comprised of
sub-accounts to reflect Investment Option(s) selected by the Participant.

         10.4 Crediting to Accounts. As of the dates of payment of cash Awards
made under this Plan the amount of the Award to be deferred for each Participant
under this Article 10 shall be credited to such Participant's Account, and shall
correspondingly be credited to the Investment Option or Options selected by the
Participant.

         10.5 Selection of Investment Options. Each Participant (and each
Beneficiary of a deceased Participant) may select the Investment Option(s) he or
she wishes to be used hereunder

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for his or her Account. The selection of Investment Options shall be made in
portions of the amount deferred equal to 5% of the total of such amounts. In the
event no election is made by a Participant (or Beneficiary) his or her Account
shall be deemed invested in and credited to the Investment Option designated by
the Plan Administrator for such purpose.

         Selection of Investment Options by Participants shall be made no later
than the Enrollment Period of the Plan Cycle for which the Award is to be made
in advance of the deferral or payment of the Award; provided however, that in
the event a Participant who has not requested a deferral of any part of his or
her Award nevertheless has a portion thereof deferred by decision of the
Committee, or otherwise, then in such event, such Participant shall immediately
be given an election period of 10 days to determine appropriate Investment
Options, such period running from the date of his or her notification of his or
her right to make such selection.

         10.6 Allocation of New Deferrals Among Investment Options and Transfers
Among Investment Options.

(a)      During the Enrollment Period, the Participant shall elect how deferrals
         during the applicable Plan Year are to be allocated among the available
         Investment Options using forms and procedures established by the Plan
         Administrator for such purpose.

(b)      Each Participant may reallocate his or her accumulated Deferred
         Compensation Account or deferrals among the Investment Options only
         during times approved by the Plan Administrator and using forms and
         procedures established from time to time by the Plan Administrator for
         such purpose. Any changes a Participant makes shall become effective on
         the next Crediting Date following the Plan Administrator's acceptance
         of the Participant's reallocation election.

         10.7 Payments Deducted on a Pro-Rata Basis from each Investment Option.
Lump sums, installments, or any other distributions from the Deferred
Compensation Account shall be deducted from the balance in each Investment
Option on a pro rata basis in proportion to the balance in each option using
procedures established by the Plan Administrator for such purpose.

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<PAGE>

         10.8 Change in Investment Option. The Plan Administrator may change the
Investment Options available from time to time under the Plan. However, no such
change shall reduce a Participant's Deferred Compensation Account. If, following
a change in the Investment Options, the Participant fails to reallocate his or
her Account among the available Investment Options the Plan Administrator has
the discretion to select an Investment Option for the Participant.

         10.9 Vesting of Deferred Amounts. Amounts of Awards made and deferred
under the Plan, and earnings and gains thereon, are always 100% vested.

         10.10 Manner of Distribution. A Participant's Deferred Compensation
Account shall be distributed according to the procedures set forth below.

(a)  Distributions while employed. A Participant may elect to receive a
     distribution from their Account during their period of employment. Such
     election may either be for a Scheduled Distribution, or an Unscheduled
     Distribution, each as defined below.

     (i)    Scheduled Distribution. During the Enrollment Period when a
            Participant makes their deferral election, the Participant may
            specify a future Payment Date when the amount deferred or portion
            thereof will be distributed. To be valid, such future Payment Date
            must not be within 3 years of the Plan anniversary to which such
            election first applied, and such future Payment Date must precede
            the Participant's Termination Date. The amount distributed shall be
            allocated against the Investment Options as provided under Section
            10.7. The Plan Administrator may disregard any invalid Scheduled
            Distribution election.

     (ii)   Unscheduled Distribution. During the Enrollment Period, a
            Participant may submit a written request to the Plan Administrator
            for an unscheduled distribution from their Account. If the Plan
            Administrator approves such request, the amount shall be payable
            upon the Payment Date following such approval. The amount
            distributed shall be subject to a 10% penalty, with the
            Participant's Account being debited an amount equal to 10% of the
            Unscheduled Distribution amount. The withdrawn

                                      -15-
<PAGE>

            amounts and the Unscheduled Distribution penalty shall be allocated
            against the Investment Options as provided under Section 10.7. Any
            Participant electing an Unscheduled Distribution during an
            Enrollment Period shall be considered ineligible to defer any
            Compensation under the Plan for the remainder of the Plan Year in
            which the Unscheduled Distribution occurs and for the next following
            Plan Year.

     (iii)  Notwithstanding the foregoing, no Covered Executive shall be
            eligible to make an election for either a Scheduled Distribution or
            Unscheduled Distribution, and the Plan Administrator is hereby
            empowered to disregard a Scheduled Distribution election made by a
            Participant at a time prior their first becoming a Covered
            Executive.

(b)  Distributions following employment. A Participant may receive either a
     Termination Distribution or a Retiree Distribution following their period
     of employment, each as defined below.

     (i)    Termination Distribution. A Participant who is not a Retirement
            Eligible Employee shall have their Account balance valued as of the
            Evaluation Date first following their Termination Date. Such balance
            shall be distributed in a lump sum on the Payment Date first
            following such Evaluation Date.

     (ii)   Retiree Distribution. A Participant who is a Retirement Eligible
            Employee shall have their Account paid according to the following
            procedures:

            1)    Notwithstanding sections 2) and 3) below, if the Participant's
                  Account, determined as of the first Evaluation Date following
                  their Termination Date, is equal to or less than an amount
                  established by the Plan Administrator from time to time (the
                  "Minimum Installment Amount") such amount shall be distributed
                  according to section (i) above.

            2)    If the Participant has made an election as described in
                  Section 10.11 that has been in effect for at least twelve
                  months prior to the Termination Date, the Participant's
                  Account shall be paid in accordance with such payment
                  election.

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<PAGE>

            3)    If the Participant does not have a payment election that has
                  been in effect for at least twelve months prior to the
                  Termination Date, the Participant's Account shall be paid in
                  annual installments over a period of 10 years, as provided in
                  the Section 10.11(ii).

         10.11 Form of Payment Election. Each Participant may submit a payment
election form specifying how the Participant's accumulated Deferred Compensation
Account shall be paid. The following distribution options shall be available:

(a)  Distributions following employment. A Participant who is a Retirement
     Eligible Employee, having an accumulated Account of at least the Minimum
     Installment Amount, as provided in Section 10.10(b)(ii) above, may elect
     their Account to be distributed in either of the following forms:

     (i)    Lump Sum Distribution. The amount payable shall equal the Account
            balance determined as of the Evaluation Date. Pursuant to the
            Participant's election, the Evaluation Date may be any Evaluation
            Date following the Termination Date. If the Participant fails to
            elect a date, the Evaluation Date will be the last day of the Plan
            Year in which the Termination Date occurs. The amount so determined
            shall be paid on the Payment Date next following such Evaluation
            Date.

     (ii)   Annual Installments. The amount of the first distribution shall be
            based on the Account balance as determined on the last Evaluation
            Date in the Plan Year in which the Participant's Termination Date
            occurs. Such amount shall be divided by the number of payments
            elected (being either 5 or 10, or other period as determined by the
            Plan Administrator) to determine the distribution. The distribution
            shall be made on the Payment Date next following such Evaluation
            Date. Subsequent distributions shall be determined annually
            thereafter using the procedure established herein, with the
            exception that the divisor shall be the number of payments
            remaining.

     (iii)  Participants not making a valid election shall have their Account
            distributed over a period of ten years as provided in Section
            10.11(a)(ii) above.

                                      -17-
<PAGE>

         10.12 Plan Administrator's Discretion. The Plan Administrator shall
have the discretion to distribute the Account of any Participant who is not a
Covered Executive in a single distribution following their Termination Date.
Such distribution shall be based on the balance of the Participant's Account as
of the Evaluation Date immediately following their Termination Date. Such amount
shall be paid on the Payment Date next following such Evaluation Date.

         10.13 Payments Upon Death of Participant.

(a)  A Participant may designate any person or persons (not exceeding 5),
     including a trust, as his or her beneficiary to receive his or her Deferred
     Compensation Account in the event of the Participant's death. Any such
     designation shall be made by filing the form designated for that purpose by
     the Plan Administrator. The Participant may change or cancel his or her
     beneficiary designation at any time prior to death without the consent of
     any designated beneficiary. If no beneficiary has been designated by the
     Participant, or if no beneficiary is alive at the date of the Participant's
     death, payment shall be made to the Participant's estate.

(b)  If the Participant's death occurs during Employment, the Participant's
     Account shall be distributed in a lump sum as provided in 10.11(a)(i) to
     each of the Participant's surviving beneficiaries in the portions
     designated by the Participant in 10.13(a).

(c)  If the Participant's death occurs after installment payments have
     commenced, the Participant's Account shall be distributed in a lump sum on
     the next scheduled Payment Date to each of the Participant's surviving
     beneficiaries in the portions designated by the Participant in 10.13(a).

         10.14 Withholding Taxes. The Corporation shall have the right to deduct
from deferrals and distributions under the Plan any and all taxes required to be
collected under federal, state or local laws, using procedures established by
the Plan Administrator for such purpose.

         10.15 Beneficiary Designations. Each Participant, and each Beneficiary
of a deceased Participant or Beneficiary hereunder, may designate, on a
Beneficiary Designation form supplied by the Plan Administrator, any person or
persons to whom payments are to be made if

                                      -18-

<PAGE>

the Participant (or Beneficiary) dies before receiving payment of all amounts
due hereunder. A beneficiary designation will be effective only after the signed
Beneficiary Designation form is filed with the Plan Administrator for such
purpose while the Participant (or Beneficiary) is alive, and will cancel all
beneficiary designations signed and filed earlier. If the Participant (or
Beneficiary) fails to designate a beneficiary as provided above, or if all
designated beneficiaries die before the Participant or before complete payment
of all amounts due hereunder, remaining unpaid distribution amounts shall be
paid to the then surviving spouse of the Participant, if any, or, if there be
none, in one lump sum to the estate of the last to die of the Participant or his
or her designated beneficiaries, if any.

                  In the event a Participant (or a Beneficiary of a deceased
Participant) designates as a Beneficiary any so called "marital deduction trust"
or any so called "qualified income trust", the Participant (or Beneficiary) may
additionally indicate whether the dollar equivalent of the current income,
during the distribution of an interest hereunder, should be distributed yearly
to such Beneficiary. In the event of such an indication, such income shall be
distributed at least annually.

         10.16 Participants Rights; Beneficiaries Rights. Except as otherwise
specifically provided, neither a Participant nor any of his or her Beneficiaries
has rights under this Plan. The payment of deferred compensation shall be a
general, unsecured obligation of the Corporation to be paid by the Corporation
from its own funds, and such payments shall not impose any obligation upon any
trust fund for any tax qualified plan, or be paid from any such trust fund. No
Participant or beneficiary shall have any title to or beneficial ownership in
any assets which the Corporation may earmark to pay benefits hereunder.

         10.17 Nature of deferred compensation. The election of deferred
compensation under this Plan and any setting aside by the Corporation of amounts
with which to discharge its deferred obligations hereunder in a trust fund, an
insurance policy, or otherwise, shall not be deemed to create a right in any
person; equitable title to any funds so set aside in a trust, an insurance
policy, or otherwise shall remain in the Corporation, and any recipient of
benefits

                                      -19-
<PAGE>

hereunder shall have no security or other interest in such trust, policies or
funds. Any and all funds so set aside in a trust, an insurance policy or
otherwise shall remain subject to the claims of the general creditors of the
Corporation, present and future. This provision shall not require the
Corporation to set aside any funds, but the Corporation may set aside such funds
if it chooses to do so. Any amount so set aside for this Plan shall be accounted
for separately and apart from any other plan of the Corporation. This Plan is
intended to constitute an unfunded plan of deferred compensation described in
Section 201(2) of the Employee Retirement Income Security Act of 1974.

         10.18 Distributions in Cash. Notwithstanding any other provision of
this Plan, distributions of amounts deferred hereunder shall be made only in
cash and shall be subject to withholding of applicable federal, state and local
taxes.

         10.19 Nature of Deferred Compensation Plan. The provisions of the Plan
relating to deferred compensation are fixed and final unless and until amended,
revised or terminated as herein provided.

                             ARTICLE 11. FORFEITURES

         Notwithstanding any provision in this Plan to the contrary excepting
only the provisions of Article 12, in the event the Committee finds

               (a) that an Employee or former Employee who has an interest under
               this Plan has been discharged by his or her Employer in the
               reasonable belief (and such reasonable belief is the reason or
               one of the reasons for such discharge) that the Employee or
               former Employee did engage in fraud against the Employer or
               anyone else, or

               (b) that an Employee or former Employee who has an interest under
               this Plan has been convicted of a crime as a result of which it
               becomes illegal for his Employer to employ him or her,

                                      -20-
<PAGE>

then any amounts held under this Plan for the benefit of such Employee or former
Employee or his or her beneficiaries shall be forfeited and no longer payable to
such Employee or former Employee or to any person claiming by or through such
Employee or former Employee.

                          ARTICLE 12. CHANGE IN CONTROL

         12.1 Treatment of Awards. In the event of a Change in Control the
Corporation shall pay to each Active Participant on the Implementation Date of
such Change in Control a lump sum cash payment equal to the amount hereinafter
determined. Such payment shall be payable in cash to the Participant within five
business days after the Implementation Date of such Change in Control and shall
be payment in full to each such Participant for such Plan Cycle, each of which
shall be deemed terminated by operation of this Article 12. No further Plan
Cycles shall commence thereafter under this Plan.

         12.2 Amount of Payment. The amount of the payment to be made as a
consequence of a Change in Control shall, with respect to each Plan Cycle, be
equal to the Maximum Award level (without regard to stockholder return during
such abbreviated Plan Cycle) for the Participant for such Plan Cycle multiplied
by a fraction the numerator of which is the number of full months completed from
the commencement of the Plan Cycle to the Implementation Date of the Change in
Control, and the denominator of which is 36.

         12.3 Definition of Change in Control. Change in Control shall mean the
occurrence of any of the following events:

              (a)  The Company is merged, consolidated or reorganized into or
                   with another corporation or other legal person other than
                   National City Corporation ("NCC"), a successor of NCC (direct
                   or indirect, by purchase, merger, consolidation,
                   reorganization or otherwise) ("Successor"), or an affiliate
                   of NCC or of a Successor and as a result of such merger,
                   consolidation or reorganization less than fifty percent of
                   the combined voting power of the then-outstanding securities
                   of such resulting corporation or person immediately after
                   such transaction are held by NCC, a Successor or an affiliate
                   of NCC or of a Successor; or

                                      -21-
<PAGE>

              (b)  The Company sells or otherwise transfers all or substantially
                   all of its assets to another corporation or other legal
                   person, and as a result of such sale or transfer less than
                   fifty percent of the combined voting power of the
                   then-outstanding Voting Stock of such corporation or person
                   immediately after such sale or transfer is held by NCC, a
                   Successor or an affiliate of NCC or of a Successor, provided,
                   however, that a Change in Control of NCC determined by the
                   standards set forth herein or otherwise shall not constitute
                   a Change in Control of the Company.

         12.4 Effective Date of Change in Control. Notwithstanding the
foregoing, in the event a Change in Control ultimately results from discussions
or negotiations involving the Corporation or any of its officers or directors,
the "Effective Date" of such Change in Control shall be the date such
discussions or negotiations commenced; otherwise, such Effective Date or Change
in Control shall be the Implementation Date of such Change in Control.

         12.5 Implementation Date of Change in Control. The "Implementation
Date" shall be the earliest to occur of the events specified in subsections (a)
or (b) of Section 12.3. As used herein, the Implementation Date of Change in
Control shall be the last date of all current Plan Cycles.

         12.6 Effect of Change in Control, In addition to other vesting under
the Plan, the opportunity of a Participant to participate to the end of all
current Plan Cycles is vested in such Participant in the event of a Change in
Control, as of the Effective Date of and such Change in Control.

                            ARTICLE 13. MISCELLANEOUS

         In the event of the liquidation of the Corporation the Committee may
make any provisions for holding, handling and distributing the amounts standing
to the credit of the Participants or beneficiaries hereunder which, in the
discretion of the Committee, are appropriate and equitable under all
circumstances and which are consistent with the spirit and purposes of these
provisions.

                                      -22-
<PAGE>

                    ARTICLE 14. AMENDMENT AND DISCONTINUANCE

         The Corporation expects to continue this Plan indefinitely, but
reserves the right, by action of the Board, to amend it from time to time or to
discontinue it. However, if the Board should amend or discontinue this Plan, the
Corporation shall remain obligated under the Plan with respect to (1) Awards
made final (and thus payable) by decision by the Committee prior to the date of
such amendment or discontinuance, (2) Awards and rights of any Participant or
beneficiary with respect to whom a Vesting Event has occurred.

         Executed as of this __ day of___________, 2003 at Louisville, Kentucky.

                                                     NATIONAL PROCESSING COMPANY

                                                     By: _______________________

                                      -23-Exhibit 10.1

                                    SUBLEASE
                                    --------

1.   PARTIES.
     This  Sublease, dated May 16, 2002 is made between DHR International, Inc.,
     an  Illinois  Corporation  ("Sublessor"),  and Transworld Benefits, Inc., a
     Nevada  Corporation  ("Sublessee").

2.   MASTER  LEASE.
     Sublessor  is the tenant under a written lease dated February 14, 2000 (the
     "Master  Lease"),  wherein World Trade Center Building, Inc., a Corporation
     (as  "Lessor"),  leased  to  Enterprise  Profit  Solutions  Corporation (as
     "Lessee")  3,875  rentable  square  feet  at 18201 Von Karman Avenue, Suite
     1170, Irvine, California. The Lease was assigned to DHR International, Inc.
     The Master Lease, as amended and assigned shall be collectively referred to
     herein  as the "Lease" and is attached as Exhibit "A" to this Sublease. All
     capitalized  terms referred to herein shall have the meanings given to them
     in  the  Lease  unless  otherwise  specified  herein.

3.   PREMISES.
     Sublessor  hereby  Subleases  to  Sublessee on the terms and conditions set
     forth in this Sublease the entire Premises of 3,875 rentable square feet as
     described  above  (the  "Premises").

4.   WARRANTY  BY SUBLESSOR.
     Sublessor  warrants  and represents to Sublessee that to Sublessor's actual
     knowledge, Sublessor is not now, and as of the commencement of the Sublease
     Term  hereof  will not be, in default or breach of any of the provisions of
     the  Lease, and that Sublessor has no knowledge of any claim by Lessor that
     Sublessor  is  in  default or breach of any of the provisions of the Lease.

5.   TERM.
     The  "Sublease  Term" shall be for the remainder of the Lease Term expiring
     March 14, 2005. The Sublease Term shall commence on the date ("Commencement
     Date")  which  is  the  date  of  delivery  of the Premises by Sublessor to
     Sublessee, estimated to be July 1, 2002 and (ii) the date upon which Lessor
     consents  to this Sublease. Notwithstanding the foregoing, if Sublessor has
     not  delivered  Possession to Sublessee by August 1, 2002, then at any time
     thereafter  and before delivery of possession of the Premises to Sublessee,
     Sublessee  may give written notice to Sublessor of Sublessee's intention to
     cancel  this  Sublease.  Said  notice shall set forth an effective date for
     such  cancellation  which shall be at least ten (10) days after delivery of
     said  notice to Sublessor. If Sublessor delivers possession to Sublessee on
     or  before such effective date this Sublease shall remain in full force and
     effect.  If Sublessor fails to deliver possession to Sublessee on or before
     such  effective  date,  this  Sublease shall be cancelable by Sublessee, in
     which  case  all consideration previously paid by Sublessee to Sublessor on
     account  of  this  Sublease  shall  be returned to Sublessee, this Sublease
     shall thereafter be of no further force or effect, and Sublessor shall have
     no further liability to Sublessee on account of such delay or cancellation.

6.   RENT  AND  SECURITY  DEPOSIT.
     Sublessee shall pay to Sublessor as Rent, without deduction, offset, notice
     or demand, at a location to be provided in writing to Sublessee, the sum of
     $8,559.25  per  month, on the first day of each month of the Sublease Term.
     If  Sublessee fails to pay any installment of rent within five days of when
     due  or if Sublessee fails to make any other payment for which Sublessee is
     obligated  under  this  Sublease  within  five  days of when due, such late
     amount  will  accrue  charges  in the same manner and amount as provided in
     Section  22  (f)  of the Lease. The Rent shall increase on the first day of
     the  seventeenth  month  of  the  Sublease Term to $8,946.75. The Sublessee
     shall  pay  to Sublessor upon execution of this Sublease $25,677.75 as Rent
     for  months  one,  two  and  three  of  the Sublease Term and an additional
     $26,840.25 as a Security Deposit to be held by Sublessor and treated in the
     same  manner as is outlined in Section 7 of the Lease. If the Sublease Term
     begins  on  a  day  other  than  the first day of a month, the Rent for the
     partial  months  shall  be prorated on a per diem basis based on the actual
     number  of  days  in  the month in which the Sublease commences. Additional
     provisions:

                                      -1-
<PAGE>
     -    Sublessee  shall  pay the Operating Expenses and Taxes associated with
          the  Premises and the Project above the 2002 Base Year. These payments
          shall  be  made  by  Sublessee to Sublessor. The method of calculating
          and paying Operating Expenses and Taxes shall be per the Lease.
     -    Sublessee shall take the Premises on an "AS-IS" basis. Sublessor shall
          leave  the  Premises  in  good  working  order.
     -    Sublessee  shall  be allowed to install signage per the Lease adjacent
          to  the  Premises'  entry  and on all common area suite identification
          where  applicable,  subject  to  the  approval  of  Landlord.
     -    Sublessee  shall  have  the  right  to  further sublease or assign any
          portion  of the Premises subject to the applicable terms in the Lease,
          and  subject  to the prior reasonable written consent of Sublessor and
          Lessor,  which  consent  shall  be  requested and granted or denied in
          accordance  with  the  applicable  terms  of  the  Lease.

7.   OTHER  PROVISIONS  OF  SUBLEASE.
     All  applicable terms and conditions of the Lease are incorporated into and
     made  a  part  of  this  Sublease  as  if  Sublessor  were  the  Lessor, as
     applicable,  thereunder,  and  Sublessee  the  Lessee thereunder. Sublessee
     assumes  and  agrees  to  perform all of the Lessee's obligations under the
     Lease  during  the  Sublease  Term  to the extent that such obligations are
     applicable  to  the  Premises,  except  that  the obligation to pay rent to
     Lessor  under  the  Lease shall be considered performed by Sublessee by its
     payment  to  Sublessor  of  the  amounts  set  forth  in  Section 6 of this
     Sublease.  Sublessee  shall  cause  Sublessor  to be named as an additional
     insured on the policies of insurance required to be maintained by Sublessee
     pursuant  to  Section 19 of the Lease. Sublessee shall not commit or suffer
     any act or omission that will violate any of the provisions of the Lease or
     Sublessee.  If Sublessee shall be in default under this Sublease, Sublessor
     will be entitled to exercise any of the remedies provided for in Section 22
     of  the  Lease.  Notwithstanding anything to the contrary contained in this
     Sublease, Sublessee agrees that performance by Sublessor of its obligations
     hereunder  are  conditional  upon  due  performance  by  the  Lessor of its
     obligations under the Lease, and Sublessor shall not be liable to Sublessee
     for any default of the Lessor under the Lease. Sublessee shall not have any
     claim  against  Sublessor by reason of the Landlord's failure or refusal to
     comply  with any of the provisions of the Lease, as applicable, unless such
     failure  or  refusal  is  a  result  of  Sublessor's act or failure to act.
     Sublessor  shall  exercise  due  diligence in attempting to cause Lessor to
     perform  its  obligations  under  the  Lease  for the benefit of Sublessee.
     Notwithstanding  the  foregoing,  if the Lease gives Sublessor any right to
     terminate  the  Lease  in  the  event  of  the  partial  or  total  damage,
     destruction,  or condemnation of the Premises or the building or project of
     which  the  Premises  are  a  part, the exercise of such right by Sublessor
     shall  not  constitute  a  default  or  breach  hereunder.

8.   ATTORNEYS'  FEES.
     If  either  Sublessor  or Sublessee shall commence legal action against the
     other  arising  out  of or in connection with this Sublease, the prevailing
     party  shall  be  entitled  to  recover  its  costs  of suit and reasonable
     attorneys'  fees.

9.   INDEMNITY.
     Sublessee  hereby  agrees  to protect, defend, indemnify and hold Sublessor
     harmless from and against any and all liabilities, claims, expenses, losses
     and  damages, including, without limitation, reasonable attorneys' fees and
     disbursements,  which  may at any time be asserted against Sublessor by (a)
     the  Lessor  for  failure  of  Sublessee  to  perform any of the covenants,
     agreements, terms, provisions or conditions contained in the Lease which by
     reason  of  the  provisions  of  this  Sublease  Sublessee  is obligated to
     perform, or (b) any person by reason of Sublessee's use and/or occupancy of
     the Premises. The provisions of this Section 9 shall survive the expiration
     or  earlier  termination  of  the Lease and/or this Sublease, except to the
     extent  any  of  the foregoing is caused or by the negligence of Sublessor.

10.  CANCELLATION  OF  LEASE.
     In the event of the cancellation or termination of the Lease for any reason
     whatsoever or of the involuntary surrender of the Lease by operation of law
     prior  to  the  expiration  date of this Sublease, Sublessee agrees to make
     full  and complete attornment to the Lessor under the Lease for the balance
     of the Sublease Term and upon the then executory terms hereof at the option
     of  the  Lessor  at  any  time  during  Sublessee's  occupancy

                                      -1-
<PAGE>
     of  the  Premises,  which  attornment shall be evidenced by an agreement in
     form  and substance reasonably satisfactory to the Lessor. Sublessee agrees
     to  execute  and  deliver  such  an  agreement  at any time within ten (10)
     business  days  after  request  of  the  Lessor,  and  Sublessee waives the
     provisions  of  any law now or hereafter in effect which may give Sublessee
     any right of election to terminate this Sublease or to surrender possession
     of  the Premises in the event any proceeding is brought by the Lessor under
     the  Lease  to  terminate  the  Lease.

11.  AGENCY  DISCLOSURE.
     Sublessor  and  Sublessee  each  warrant that they have dealt with no other
     real  estate broker in connection with this transaction except Arlotti Real
     Estate  Group  (Sublessee's  Broker")  and  Corporate  Real Estate Advisors
     ("Sublessor's  Broker").

12.  COMMISSION.
     Upon  execution  of this Sublease, and consent thereto by Lessor, Sublessor
     shall pay Corporate Real Estate Advisors a real estate brokerage commission
     in  accordance  with  Sublessor's  contract with Sublessor's Broker for the
     subleasing  of  the Premises. Sublessor's Broker shall then pay Sublessee's
     Broker  a  commission  in  accordance  with  their  separate  agreement and
     Sublessor's  contract  with  Sublessor's  Broker.  Sublessor  shall have no
     obligation  to  Sublessee's  Broker other than payment of the commission to
     Sublessor's  Broker.

13.  NOTICES.
     All  notices and demands which may or are to be required or permitted to be
     given  by  either  party  on the other hereunder shall be in writing in the
     manner  set forth in Section 9 of the Lease. All notices and demands by the
     Sublessor to Sublessee shall be mailed to the Sublessee at the Premises, or
     to  such  other  place  as  Sublessee  may from time to time designate in a
     notice  to  the  Sublessor.  All  notices  and  demands by the Sublessee to
     Sublessor  shall  be  mailed  to  the Sublessor at DHR International, Inc.,
     Suite  2220, 10 South Riverside Plaza, Chicago, IL 60606, Attention: Gloria
     Seghi,  and/or to such other person or place as the Sublessor may from time
     to  time  designate  in  a  notice to the Sublessee. In the event Sublessee
     receives a notice of default under the Lease, Sublessee will provide a copy
     of such notice to Sublessor within three (3) days after Sublessee's receipt
     thereof.

14.  FURNITURE.
     Sublessee  shall have the use of the furniture currently located within the
     Premises  during  the Sublease Term. Sublessee shall surrender the Premises
     and  furniture  to Sublessor in the same condition as received, normal wear
     and  tear  excepted,  at  the  expiration  or  earlier  termination of this
     Sublease.  An  inventory  of  furniture  is  attached  as  Exhibit  "B".

15.  TELEPHONE  SYSTEM.
     Sublessee  shall  have  the  use  of  the existing telephone system located
     within the Premises during the Sublease Term. Sublessee shall surrender the
     telephone  system  to  Sublessor  in the same condition as received, normal
     wear  and  tear  excepted, at the expiration or earlier termination of this
     Sublease.  A  description  and  an  inventory of the equipment and services
     comprising  the  telephone  system  is  attached  as  Exhibit  "C".

16.  APPROVAL  BY  LESSOR.
     This  Sublease  is  conditioned  upon  Sublessor's  receipt  in  writing of
     Lessor's  Consent  to  this  Sublease.

     SUBLESSOR:                                 SUBLESSEE:

     By:                                        By:  Transworld Benefits, Inc.
        -------------------------------            -----------------------------
     Name:                                      Name:   /s/  Charles C. Seven
          -----------------------------              ---------------------------
     Title:                                     Title:  Chairman/CEO
           ----------------------------               --------------------------
     Date:                                      Date:   08-07-02
          -----------------------------              ---------------------------

                                      -1-
<PAGE>
                            INDEMNIFICATION AGREEMENT
                            -------------------------

     This  Indemnity Agreement (this "Agreement"), is entered into as of October
1,  2002 between Transworld Benefits, Inc. ("Transworld") and DHR International,
Inc.,  ("DHR").

                                    RECITALS

     WHEREAS,  Enterprise  Profit  Solutions Corporation ("EPS") and Transworld)
have  entered  into  a  sublease  of the real estate commonly known as 18201 Von
Karmen  Avenue,  Suite  1170,  Irvine,  California  (the  "Premises");

     WHEREAS,  DHR  has  purchased certain assets of EPS and is in possession of
the  Premises;

     WHEREAS,  DHR  is  paying the rent on the Premises to the Master Landlord;

     AND  WHEREAS, DHR seeks to have Transworld make payments under the sublease
to  the  order  of  DHR;

     NOW  THEREFORE,  the  parties  agree  as  follows:

     1.   Transworld agrees to make payments of rent under the sublease directly
          to  and  to  the  order  of  DHR.

     2.   DHR  agrees  to indemnify and hold harmless Transworld against any and
          all  losses,  claims,  damages,  obligations,  penalties,  judgments,
          awards,  liabilities, costs, expenses and disbursements resulting from
          any  payments  of  rent  under  the  sublease  to  DHR.

     3.   If  any  action, suit, proceeding or investigation is commenced, as to
          which Transworld proposes to demand indemnification, Transworld agrees
          to  notify DHR with reasonable promptness; provided, however, that any
          failure  by  Transworld  to  notify DHR shall not relieve DHR from its
          obligations  hereunder  except  to  the  extent that DHR is materially
          prejudiced  thereby.

     4.   If  DHR  so elects, or is requested by Transworld, DHR will assume the
          defense  of  such action, suit, proceeding or investigation, including
          the employment of counsel reasonably acceptable to Transworld, and the
          payment  of  the  reasonable  fees  and disbursements of such counsel.

     IN  WITNESS  WHEREOF,  the  parties hereto have entered into this Indemnity
Agreement  effective  as  of  the  date  first  written  above.

TRANS WORLD BENEFITS INC.                   DHR INTERNATIONAL. INC.

BY:  /s/  Charles C. Seven                  BY:  /s/  David  Hoffman
   -----------------------                     --------------------------

TITLE:    CEO                               TITLE:    CEO
      --------------------                        -----------------------

                                      -1-
<PAGE>
                  AMENDMENT NO. 1 TO OFFICE BUILDING LEASE AND
                  --------------------------------------------
                         CONSENT OF LANDLORD TO SUBLEASE
                         -------------------------------

     WORLD  TRADE  CENTER  BUILDING,  INC., a corporation ("Landlord" or "Master
Landlord"),  is  the  current  landlord under that certain Office Building Lease
dated February 14, 2000 (the "Lease" or the "Master Lease"), entered into by and
between  ENTERPRISE  PROFIT  SOLUTIONS  CORPORATION,  a  Delaware  corporation
("Tenant" or "Sublessor"), as tenant, and Master Landlord, as landlord, pursuant
to  which  Sublessor  currently leases certain space commonly known as 18201 Von
Karman,  Suite  1170,  Irvine,  California (the "Premises") as more particularly
depicted in the Master Lease. Master Landlord hereby consents to the sublease of
the  entire  Premises  by  Sublessor  to  TRANS  WORLD  BENEFITS, INC., a Nevada
corporation  ("Sublessee")  on  the  terms  stated  herein.

     Master  Landlord's  consent is not intended, and shall not be construed (i)
to  modify  or to otherwise affect any of the provisions of the Master Lease, or
to  release  Sublessor  from  any of its obligations and duties under the Master
Lease,  (ii)  as  a  waiver  of any of Master Landlord's rights under the Master
Lease,  (iii)  as  an  authorization  or  a  consent  by  Master Landlord to any
assignment  of  the  interest of Sublessor in the Master Lease or to the further
subleasing of the Premises, and/or (iv) as binding or obligating Master Landlord
in  any  manner  whatsoever  with respect to any of the covenants, undertakings,
representations,  warranties  or  agreements  contained in that certain Sublease
entered  into by and between Sublessor and Sublessee and dated May 16, 2002 (the
"Sublease  Agreement").

     Notwithstanding  the  foregoing,  it  is  a  condition to Master Landlord's
consent to the Sublease Agreement that Sublessee's occupancy of the Premises and
the  Sublease  Agreement  are  subject  to  the  following:

     (i) Sublessee's occupancy of the applicable portion of the Premises and the
Sublease  Agreement  will  be subject and subordinate to the Master Lease and to
all  mortgages  which  are  secured,  in  whole  or  in  part,  by the Premises;

     (ii)  Master  Landlord may enforce the provisions of the Sublease Agreement
directly  against  Sublessee;

     (iii) Sublessor's agreement to increase the Security Deposit held by Master
Landlord  pursuant  to  Section 7 of the Master Lease by $10,075.00 concurrently
with  Sublessor's  execution hereof (provided that if Sublessor timely makes all
payments  of  rent under the Master Lease for the twelve [12] consecutive months
immediately  following  the  full  execution  hereof, Landlord shall return such
additional  Security  Deposit to Tenant within thirty [30] days thereafter); and

     (iv)  in  the  event  of  termination  of  the  Master Lease for any reason
whatsoever,  including,  without limitation, a voluntary surrender or default by
Sublessor,  or  in  the event of any re-entry or repossession of the Premises by
Master  Landlord,  Master  Landlord may, at its option, either (a) terminate the
Sublease  Agreement  and Sublessee's occupancy of the Premises, or (b) take over
all  of  the  right,  title and interest of Sublessor, as sublandlord, under the
Sublease  Agreement, in which case the Sublessee will attorn to Master Landlord,
but  that  nevertheless  Master Landlord will not (1) be liable for any previous
act or omission of Sublessor under the Sublease Agreement, (2) be subject to any
defense  or  offset  previously  accrued  in  favor  of  the  Sublessee  against
Sublessor,  or (3) be bound by any previous prepayment by Sublessee of more than
one  month's  rent.

                         [NO FURTHER TEXT ON THIS PAGE]

<PAGE>
This  Amendment  No.  1  to  Office  Building  Lease  and Consent of Landlord to
Sublease has been executed this ______ day of September, 2002.

                                           WORLD TRADE CENTER BUILDING, INC.,
                                           a corporation

                                           By:  CB  Richard  Ellis,  Inc.,
                                                a Delaware corporation,
                                                Its Authorized Agent

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

                                              Print Name:
                                                         -----------------------
                                               Print Title:
                                                           ---------------------

The  undersigned  Sublessor  and  Sublessee  referred  to  hereinabove  hereby
acknowledge  and  accept  the  terms  and  conditions of this Amendment No. 1 to
Office  Building  Lease  and  Consent  of  Landlord  to  Sublease.

                                   Sublessor:

ENTERPRISE PROFIT SOLUTIONS
CORPORATION, a Delaware corporation

                                           By: /s/  David  Hoffman
                                              ----------------------------------
                                              Name: David Hoffman
                                                   -----------------------------
                                              Its:  CEO
                                                  ------------------------------

                                   Sublessee:

TRANS WORLD BENEFITS, INC.,
a Nevada corporation

                                           By: /s/  Charles  C.  Seven
                                              ----------------------------------
                                              Name: Charles  C.  Seven
                                                   -----------------------------
                                              Its:  CEO
                                                  ------------------------------

                                           By:
                                              ----------------------------------
                                              Name:
                                                   -----------------------------
                                              Its:
                                                  ------------------------------

<PAGE>

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