Document:

EXHIBIT 10.27

                              CONSULTING AGREEMENT

      This Consulting Agreement (this "Agreement") is entered into and effective
as of June 10, 2004 (the "Effective Date"), by and between MM Companies, Inc., a
Delaware corporation (the "Corporation"), with its principal executive offices
located at Jewelcor Center, 100 N. Wilkes-Barre Blvd., Wilkes-Barre,
Pennsylvania 18702, and Jewelcor Management, Inc., a Nevada corporation (the
"Independent Contractor"), having its principal executive offices located at 100
North Wilkes-Barre Boulevard, Wilkes-Barre, Pennsylvania 18702.

                                    RECITALS

      WHEREAS, the Corporation desires to retain the Independent Contractor to
act as a consultant to assist in developing and implementing a strategic plan
for the Corporation, to provide clerical, management, legal and accounting
services and for other related consulting services to which the parties may
agree (the "Services"); and

      WHEREAS, the Independent Contractor agrees to perform the Services for the
Corporation under the terms and conditions set forth in this Agreement, it being
expressly understood that the Independent Contractor shall perform Services as
an independent contractor and nothing contained herein shall be construed to be
inconsistent with this relationship or status;

      NOW, THEREFORE, for and in consideration of the mutual promises and
covenants set forth in this Agreement, and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
Corporation and the Independent Contractor hereby agree as follows:

                                   SECTION ONE
          REPRESENTATIONS AND WARRANTIES OF THE INDEPENDENT CONTRACTOR

      The Independent Contractor represents, warrants, covenants and agrees
that:

      (a) the Independent Contractor is a corporation duly organized, validly
existing and in good standing under the laws of the State of Nevada;

      (b) the Independent Contractor has all necessary power and authority to
execute and deliver this Agreement and to perform all of its obligations under
this Agreement;

      (c) this Agreement has been duly and validly authorized, executed and
delivered by the Independent Contractor, and constitutes the valid and binding
obligation of the Independent Contractor, and is enforceable against the
Independent Contractor in accordance with its terms; and

      (d) the execution, delivery and performance by the Independent Contractor
of this Agreement does not (1) violate or conflict with any provision of the
Independent Contractor's charter or by-laws; (2) violate, conflict with, or
result in a breach or termination of (or require any consent or approval under)
any agreement, license, arrangement or understanding, whether written or oral,

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to which the Independent Contractor is a party; or (3) violate any law,
judgment, decree, order, rule or regulation applicable to the Independent
Contractor.

                                   SECTION TWO
                REPRESENTATIONS AND WARRANTIES OF THE CORPORATION

      The Corporation represents, warrants, covenants and agrees that:

      (a) the Corporation is a corporation duly organized, validly existing and
in good standing under the laws of the State of Delaware;

      (b) the Corporation has all necessary power and authority to execute and
deliver this Agreement and to perform all of its obligations under this
Agreement;

      (c) this Agreement has been duly and validly authorized, executed and
delivered by the Corporation, and constitutes the valid and binding obligation
of the Corporation, and is enforceable against the Corporation in accordance
with its terms; and

      (d) the execution, delivery and performance by the Corporation of this
Agreement does not (1) violate or conflict with any provision of the
Corporation's Certificate of Incorporation or by-laws; (2) violate, conflict
with, or result in a breach or termination of (or require any consent or
approval under) any agreement, license, arrangement or understanding, whether
written or oral, to which the Corporation is a party; or (3) violate any law,
judgment, decree, order, rule or regulation applicable to the Corporation.

                                  SECTION THREE
                             NATURE OF THE SERVICES

      In accordance with the terms and conditions of this Agreement, the
Independent Contractor shall, to the extent requested from time to time by the
Corporation, perform Services for the benefit of the Corporation with respect to
all matters relating to or affecting all items referenced in the Recitals
hereto. The Independent Contractor shall perform such additional Services as may
be agreed to by both parties from time to time in writing which, when so agreed,
shall be deemed incorporated into this Agreement. The Independent Contractor
shall perform Services at the direction of the President and Chief Executive
Officer of the Corporation (or another executive officer of the Corporation as
may be designated from time to time by the Board of Directors of the
Corporation). As a part of the Independent Contractor's consulting Services, the
Independent Contractor shall review, analyze, and make suggestions to the
Corporation on all such matters referenced in the Recitals hereto. The
Independent Contractor agrees and stipulates that this Agreement is a personal
service contract under which Services shall be performed by particular agents
and employees of the Independent Contractor who are subject to the approval of

<PAGE>

the Corporation from time to time. The Corporation initially approves Seymour
Holtzman, Richard L. Huffsmith, Jeremy Anderson, Joseph F. Litchman, and Wayne
Green, together with support staff directly reporting to and under the personal
supervision of such individuals as required for such Services, as individuals to
perform Services hereunder. The Independent Contractor shall furnish the
Corporation with a properly completed Request for Taxpayer Identification Number
and Certification on Form W-9 upon receipt of said Form W-9 from the
Corporation.

                                  SECTION FOUR
                                  COMPENSATION

      4.1 Subject to the provisions of this Section 4, the consideration to be
furnished to the Independent Contractor by the Corporation for the Services
rendered by the Independent Contractor under this Agreement shall consist of (a)
a monthly payment of $21,500.00 and (b) the reimbursement of actual and direct
out-of-pocket expenses incurred by the Independent Contractor in the rendering
of Services under this Agreement.

      4.2 Subject to Section 15 hereof, the Corporation shall reimburse the
Independent Contractor within thirty (30) days following receipt of
documentation that satisfies the Corporation's travel and expense reimbursement
policies, an amount in cash equal to the actual and direct cost of all
reasonable out-of-pocket expenses incurred by the Independent Contractor in the
rendering of Services under this Agreement.

                                  SECTION FIVE
                                    DURATION

      The term of this Agreement shall be for a period of two (2) years
commencing on June 10, 2004, and ending on June 9, 2006 (the "Expiration Date").
However, either party may terminate this Agreement at any time prior to the
Expiration Date upon thirty (30) days prior written notice to the other party.
The provisions of Sections 5, 11, 12, 13 and 14 hereof shall survive any such
expiration or early termination of this Agreement.

                                   SECTION SIX
                                  PLACE OF WORK

      It is understood that the Services shall be rendered primarily from the
Independent Contractor's offices in Wilkes-Barre, Pennsylvania and Boca Raton,
Florida.

                                  SECTION SEVEN
                              TIME DEVOTED TO WORK

      In performing the Services, the hours that approved agents and employees
of the Independent Contractor work on any given day shall be entirely within the
Independent Contractor's control and the Corporation shall rely upon the
Independent Contractor to determine the number of hours as is reasonably
necessary to fulfill the spirit and purpose of this Agreement.

<PAGE>

                                  SECTION EIGHT
                        STATUS OF INDEPENDENT CONTRACTOR

      The Independent Contractor and the Corporation acknowledge and agree that
the Independent Contractor shall perform the Services hereunder as an
"independent contractor" and not as agent or employee of the Corporation, and
nothing herein shall be construed to be inconsistent with this relationship or
status. The Independent Contractor, its agents and employees shall have no
express or implied authority to act for, represent, bind or obligate the
Corporation in any manner whatsoever. Accordingly, it is expressly understood
and agreed between the parties hereto that the Independent Contractor is solely
responsible for all labor and expenses in connection with the performance of
every obligation of the Independent Contractor hereunder. The Independent
Contractor assumes the responsibility for furnishing the Services hereunder and
shall withhold and pay when due all employment taxes required by federal, state
and local laws, including, without limitation, all social security and
withholding taxes, and contributions for unemployment and compensation funds.
The Independent Contractor acknowledges and understands that the Corporation
will not maintain worker's compensation, health or liability insurance on behalf
of the Independent Contractor. Notwithstanding the foregoing, any one or more
employee of the Independent Contractor may from time to time be appointed by the
Corporation's Board of Directors as officers or otherwise authorized
representatives of the Corporation to act for and on behalf of the Corporation.

                                  SECTION NINE
                             MATERIALS AND EQUIPMENT

      Except as provided herein, the Independent Contractor shall furnish, at
its own expense, all office space, materials and equipment necessary to carry
out the terms of this Agreement.

                                   SECTION TEN
                                 WORK STANDARDS

      The Independent Contractor shall adhere to professional standards and
shall perform all Services required under this Agreement in a manner consistent
with generally accepted procedural standards.

                                 SECTION ELEVEN
                             COPYRIGHTS AND PATENTS

      The Corporation shall own all copyrights and/or patents developed by the
Independent Contractor while performing the Services provided under this
Agreement. All improvements, discoveries, ideas, inventions, concepts, trade
names, trademarks, service marks, logos, processes, products, computer programs
or software, subroutines, source codes, object codes, algorithms, machines,
apparatuses, items of manufacture or composition of matter, or any new uses
therefore or improvements thereon, or any new designs or modifications or
configurations of any kind, or work of authorship of any kind, including without
limitation, compilations and derivative works, and techniques (whether or not
copyrightable or patentable) conceived, developed, reduced to practice or

<PAGE>

otherwise made by the Independent Contractor, or any of the Independent
Contractor's agents or employees, and in any ways related to the rendering of
Services under this Agreement shall become property of the Corporation. The
Independent Contractor agrees to assign, and hereby does assign (and hereby
agrees to cause its agents and employees to assign), to the Corporation any and
all such copyrights, patents and propriety rights in any such invention to the
Corporation, together with the right to file and/or own wholly without
restrictions applications for United States and foreign patents, trademark
registration and copyright registration and any patent, or trademark or
copyright registration issuing thereon.

                                 SECTION TWELVE
                     PRIVILEGED AND CONFIDENTIAL INFORMATION

      12.1 The Corporation and the Independent Contractor acknowledge that the
Corporation has acquired and developed, and will continue to acquire and
develop, information related to its business and its industry which is secret
and confidential in character and is and will continue to be of great and unique
value to the Corporation and its subsidiaries and affiliates. The term
"confidential information" as used in this Agreement shall mean all trade
secrets, propriety information and other data or information (and any tangible
evidence, record or representation thereof), whether prepared, conceived or
developed by an employee of the Corporation or received by the Corporation from
an outside source (including the Independent Contractor), which is in the
possession of the Corporation, which is maintained in confidence by the
Corporation or any subsidiary or affiliate of the Corporation or which might
permit the Corporation or any subsidiary or affiliate of the Corporation or any
of their respective customers to obtain a competitive advantage over competitors
who do not have access to such trade secrets, proprietary information, or other
data or information, including, without limitation, information concerning the
Corporation's business plans, real estate leasing terms, conditions and plans,
occupancy costs, customers, suppliers, designs, advertising plans, marketing
plans, merchandising plans, market studies and forecasts, competitive analyses,
pricing policies, employee lists, and the substance of agreements with
landlords, tenants, subtenants, customers, suppliers and others. The term
"confidential information" also includes information that the Corporation has in
its possession from third parties, that such third parties claim to be
confidential or proprietary, and which the Corporation has agreed to keep
confidential. However, the term "confidential information" as used in this
Agreement shall not include information that is generally known to the public or
in the trade as a result of having been disclosed by the Corporation in a press
release or in a filing by the Corporation with the U.S. Securities and Exchange
Commission. The Independent Contractor shall keep and maintain all confidential
information in complete secrecy, and shall not use for itself or others, or
divulge to others, any knowledge, data or other information relating to any
matter which is confidential information relating to the Corporation obtained by

<PAGE>

the Independent Contractor as a result of its Services, unless authorized in
writing by the Corporation in advance of such use or disclosure. All written
information made available to the Independent Contractor by the Corporation,
which concerns the business activities of the Corporation, shall be the
Corporation's property and shall, if requested in writing by the Corporation, be
delivered to it on the termination or expiration of this Agreement.

      12.2 The Independent Contractor acknowledges that money alone will not
adequately compensate the Corporation for breach of any confidentiality
agreement herein and, therefore, agrees that in the event of the breach or
threatened breach of such agreement, in addition to other rights and remedies
available to the Corporation, at law, in equity or otherwise, the Corporation
shall be entitled to injunctive relief compelling specific performance of, or
other compliance with, the terms hereof, and such rights and remedies shall be
cumulative.

                                SECTION THIRTEEN
                                 INDEMNIFICATION

      13.1 The Independent Contractor shall defend, indemnify and hold harmless
the Corporation (including, without limitation, the Corporation's successors,
assigns, subsidiaries, affiliates and contractors and their respective officers,
directors, employees, agents and other representatives) from and against all
liabilities, losses, claims, actions, damages, expenses (including but not
limited to attorneys' fees), suits and assessments (whether proven or not) based
upon or arising out of damage or injury (including death) to persons or property
caused by Independent Contractor in connection with the performance of Services,
or based upon any violation of any applicable statute, law, ordinance, code or
regulation. The Independent Contractor shall also defend, indemnify and hold
harmless the Corporation against all liability and loss in connection with, and
shall assume full responsibility for, payment of all federal, state, or local
income taxes imposed or required under applicable laws with respect to Services
performed and compensation paid the Independent Contractor under this Agreement.

      13.2 Notwithstanding anything contained in the preceding paragraph, the
Corporation shall defend, indemnify and hold harmless the Independent Contractor
(including, without limitation, the Independent Contractor's successors,
assigns, subsidiaries, affiliates and contractors and their respective officers,
directors, employees, agents and other representatives) from and against all
liabilities, losses, claims, actions, damages, expenses (including but not
limited to attorneys' fees), suits and assessments (whether proven or not) based
upon or arising out of damage or injury (including death) to persons or property
caused by the Corporation in connection with the Corporation's performance of
its obligations under this Agreement (including, but not limited to, claims
based upon the material supplied to the Independent Contractor by the
Corporation and utilized by the Independent Contractor in performing the
Services), or based upon any violation of any applicable statute, law,
ordinance, code or regulation.

<PAGE>

                                SECTION FOURTEEN
                              COMPLIANCE WITH LAWS

      The parties agree that all obligations to be performed by the parties
under this Agreement shall be performed in compliance with all then applicable
federal, state and local laws and regulations.

                                 SECTION FIFTEEN
                                    APPROVALS

      15.1 In addition to approvals required by other Sections of this
Agreement, the Independent Contractor shall seek to obtain the Corporation's
written approval in advance of all expenditures in excess of four thousand
dollars ($4,000.00) incurred in connection with the rendering of Services and
for which the Independent Contractor seeks reimbursement from the Corporation.
In addition, all estimates presented to the Corporation by the Independent
Contractor for the Corporation's consideration and/or approval shall be
carefully prepared and shall be based upon reasonable assumptions using the
Independent Contractor's best judgment.

      15.2 All approvals by the Corporation must be in writing and shall be
sought from the President and Chief Executive Officer of the Corporation, or
such other person that the Board of Directors may designate in writing from time
to time. If the Corporation fails to approve in writing any matter submitted for
approval within fifteen (15) days from the date of its submission, then the
matter submitted for approval shall be deemed to be disapproved.

                                 SECTION SIXTEEN
                                     NOTICES

      All notices and other communications required or permitted to be given
under this Agreement by one party to another shall be in writing and the same
shall be deemed effective when delivered (i) in person, (ii) by United States
certified or registered first class or priority mail, return receipt requested,
(iii) by nationally-recognized overnight delivery or courier service, or (iv) by
facsimile transmission, and addressed to the party's principal offices set forth
on page one of this Agreement, or at such other address or facsimile telephone
number as may be designated in writing by such party to the other in accordance
with the requirements of this Section 16.

                                SECTION SEVENTEEN
                                  GOVERNING LAW

      This Agreement shall be construed and enforced according to the laws of
the State of Delaware without regard to its principles of conflicts of laws. Any
action on the Agreement or arising out of its terms and conditions shall be
instituted and litigated in the courts of the State of Delaware. In accordance,
the parties submit to the jurisdiction of the courts of the State of Delaware.

<PAGE>

The prevailing party in any such litigation shall be entitled to recover its
reasonable attorneys' fees in addition to any damages that may result from a
breach of this Agreement.

                                SECTION EIGHTEEN
                                  MISCELLANEOUS

      This Agreement may not be modified, amended, or waived, except by a
writing executed by both parties hereto. This Agreement, and all attached or
referenced schedules, exhibits and attachments, constitutes the full and entire
understanding and agreement between the two parties with regard to the subject
matter hereof and supersedes all prior agreements and understandings, whether
written or oral, relating to the subject matter. The section headings herein are
for convenience of reference only, are not part of this Agreement and shall have
no effect on the interpretation of this Agreement or the provisions hereof.
Neither this Agreement nor any interest therein, or claim thereunder, shall be
assigned or transferred by the Independent Contractor to any party or parties.
If any provision of this Agreement shall to any extent be invalid or
unenforceable, such invalid or unenforceable provision shall be reformed to the
extent required to make it valid and enforceable to the maximum extent possible
under law, and the remainder of this Agreement shall not be affected thereby,
with each provision hereof being valid and enforceable to the fullest extent
permitted by law. This Agreement shall be binding upon, and inure to the benefit
of, the parties and their respective successors and permitted assigns. This
Agreement may be executed in one or more counterparts, each of which shall be
deemed an original and all of which together shall constitute one and the same
Agreement.

      IN WITNESS WHEREOF, the parties have signed, sealed and delivered this
Consulting Agreement in duplicate, each of which is deemed an original, as of
the Effective Date.

ATTEST:                                  MM COMPANIES, INC.

_________________                        By:_________________________
                                                    (Signature)
                                         Print Name:_________________
                                         Title: _____________________

ATTEST:                                  JEWELCOR MANAGEMENT, INC.

_________________                        By: ___________________________
                                                      (Signature)
                                         Print Name:  Richard L. Huffsmith
                                         Title: Vice President/General Counsel10.13

            Lease Agreement dated October 15, 2004.

<PAGE>

                                 LEASE AGREEMENT

      THIS AGREEMENT, entered into this 15th_ day of October 2004, by and
between ABDI R. BOOZAR-JOMEHRI doing business under the name of Safety Harbor
Centre hereinafter referred to as "LANDLORD" and OnScreen Technologies, Inc.
hereinafter referred to as "TENANT".

      WHEREAS, the Landlord is the Owner of the property known as Safety Harbor
Centre located at 200 9`h Avenue North, Safety Harbor, Florida and

      WHEREAS, the purpose of this Agreement is to set forth the terms and
conditions whereby Landlords leases to Tenant and Tenant leases from Landlord a
portion of the area in the aforementioned property.

NOW, THEREFORE, for the sum of Ten Dollars ($10.00) and other goods and valuable
consideration the parties hereto agree as follows:

      1.    LEASED AREA

            Landlord does lease to Tenant and Tenant leases from Landlord space
            designated as

                                    Suite 130

                   Office Space including Tenant Improvements

            RENTAL AMOUNT

            The rental, which the Tenant shall pay to the Landlord hereunder,
            shall be $33,768.00 plus applicable Sales Tax. Common Area
            Maintenance (CAM) in the amount of $148 per sq.ft. is included in
            the base rent. Rental shall be paid in monthly installments due on
            the 1S` of each month and every month for the term of this lease.
            Monthly installments for the three-year term are broken down as
            follows:

                           BASE RENT                         $   2,814.00
                           SALES TAX                               196.98
                                                             ------------
                           MONTHLY RENT DUE                  $   3,010.98

            a.    SECURITY DEPOSIT SHALL BE:

                           1sT MONTHS RENT                    $  3,010.98
                           LAST MONTHS RENT                   $  3,010.98
                           SECURITY DEPOSIT                   $      0.00
                                                              -----------
                           TOTAL                              $  6,021.96

      2.    TERM OF LEASE

            This lease shall be for a period of 5 years and shall commence on
            the 1st day of December, 2004 and expire on the 30th day of
            November, 2009.

      4.    COMMON AREA MAINTENANCE

            Tenant shall pay CAM as set forth each month for the duration of the
            lease for maintenance of common areas.

<PAGE>

Lease Agreement

      5.    OPTION TO RENEW

            Tenant shall have the option to renew this lease for a period of 5
            years each upon giving sixty (60) days written notice to Landlord.

      6.    USE OF PREMISES

                  Tenant agrees that the subject premises shall be used solely
            for the business of Office and Related Services and for no other
            purpose without written consent of the Landlord.

      7.    SIGNS

                  Written consent of the Landlord being first obtained. Landlord
            may stipulate type and configuration of signage used. Sign must be
            constructed per the specifications of the Landlord.

      8.    IMPROVEMENTS

                  All EXISTING IMPROVEMENTS LESS THAN TWO years old SPACE IS
                  PROVIDED "AS IS" IN NEW CONDITION

      9.    COMMON AREAS

                  Landlord will maintain all thoroughfares for vehicular and
            pedestrian traffic within the property and all common areas and
            parking areas. This maintenance shall include adequate repairs to
            fighting, painting, pavement, sidewalks, etc. Tenant and all those
            having business with it in common with the other tenants and their
            associates have the right to use such facilities for their intended
            purposes. EXCEPT that no advertising or solicitation of any sort
            will be permitted without written consent of the Landlord being
            first obtained.

                  Tenant may upon inspection and determination of cause, be
            charged an additional fee for repairs or clean up directly caused by
            his business (such as chemicals or paints poured in common area
            washrooms: Damage to pavement due to wash down of chemical
            substances, etc.)

      10.   RENTAL ESCALATION

                  Rental amount and CAM charges shall escalate at the beginning
            of the 2"d year, as follows: Rent shall escalate at CPI or 3% per
            annum whichever is greater. CAM shall escalate at actual cost or 3%
            whichever is greater.

      11.   INSPECTION

                  Landlord may inspect the leased space at reasonable times
            during the business hours without notice to Tenant.

      12.   CONTROL OF NON-LEASED AREA

                  Landlord will retain exclusive management control of all
            exterior surfaces and areas of the exterior perimeter surrounding
            the Tenant's space as well as all other such exteriors of leased
            spaces and control of common areas and parking areas of the
            property.

      13.   MAINTENANCE OF LEASED SPACE

                  Tenant will maintain the leased space at his own expense
            keeping it at all times in good condition and good working order.

<PAGE>

Lease Agreement

      14.   UTILITIES

                  Tenant agrees to pay all charges for electricity, telephone
            air conditioning and heating and all other utilities and charges for
            services used by or furnished to Tenant on the premises. Utility
            charges that are billed to Landlord on a common billing are included
            in the CAM fee unless otherwise provided in this lease Agreement.

      15.   AIR CONDITIONING UNIT

                  Tenant shall maintain the air conditioning units serving his
            space from time to time and shall install air conditioning filters
            on a timely basis. In the event Landlord feel Tenant is not
            performing adequate maintenance on the air conditioners, Landlord
            may maintain them at his expense and charge same to Tenant. Tenant
            shall be responsible for all repairs to equipment with the exception
            of replacement of major mechanical components: EXCEPT in cases where
            lack of maintenance directly caused the failure of major components,
            in which case, Tenant will be responsible for replacement costs.

      16.   ELECTRIC AND PLUMBING REPAIRS

                  Electrical and plumbing repairs within the leased space shall
            be the responsibility of the Tenant. Repairs outside the lease space
            shall be the responsibility of the Landlord; EXCEPT when determined
            to have been caused by the Tenant,': in which case Tenant will be
            responsible for cost.

      17.   TENANT'S COMPLIANCE WITH LAWS

                  Tenant will comply with all governmental requirements and laws
            respecting the conduct of business or use of the leased space in
            timely and appropriate manner and at his sole cost and will pay and
            be solely responsible for all tax levies, assessments, licenses or
            fines as may be required from time to time directed to the conduct
            of his business.

      18.   SURRENDER ON TERMINATION

                  Tenant shall surrender the space at the end of the term
            arranged for under this lease, including all improvements, wear and
            tear excepted. All keys or other forms of access to the space or any
            materials left within the space will be surrendered to Landlord by
            the end of the term. Any and all improvements made by the Tenant to
            the subject premises, including carpets and partition, shall remain
            in the subject premises upon the termination of this lease; except
            that the tenant shall be permitted to remove furniture, built-in
            cabinets and similar items which can be removed without damaging the
            premises. The Tenant at his expense shall repair any damages caused
            by said removal.

      19.   HOLDOVER TENANCY

                  Should Tenant holdover occupancy of the space after
            termination of the lease with the consent or acquiescence of
            Landlord, the tenancy will then be construed to be a "month to
            month" lease, but the terms of this Agreement otherwise will be
            fully applicable insofar as consistent with such tenancy.

<PAGE>

Lease Agreement

      20.   INDEMNIFICATION

                  Tenant shall indemnify and hold Landlord and its agents,
            servants and employees harmless from and against all causes of
            action, claims, damages, losses and expenses, including reasonable
            attorneys' fees, resulting from or arising out of bodily injury,
            sickness, disease or death, or injury to or destruction of tangible
            property resulting solely from affirmative act of negligence by
            Tenant. Landlord shall not be liable to Tenant for any damage or
            injury to the Leased Premises, to Tenant's property, to Tenant, its
            agents, contractors, employees, invitee, or licensees, arising from
            any condition of the Leased Premises, the Building, or any sidewalk
            or entranceway serving the Building, or the act of neglect of
            co-tenants, or the malfunction of any equipment or apparatus serving
            the Building, unless due to negligence of Landlord. However, Tenant
            shall not be required to indemnify Landlord hereunder with respect
            to any damages or injuries caused by individual acts or omissions or
            Landlord while on the premises. Without limiting the generality of
            the foregoing. Tenant agrees that this will procure at its expense,
            and continue in force throughout the period of this lease for the
            benefit of Landlord and Tenant as their respective interest shall
            appear a policy or policies or public liability insurance written by
            a company authorized to engage in the business of general liability
            insurance in the State of

            Florida. Said insurance shall be written to protect the Landlord and
            Tenant against any and all claims for injury to persons or property
            occurring In, upon, or about the premises, and each and every part
            thereof, and the sidewalks in front of the leased premises. The
            coverage shall include all damages from signs, glass, awnings,
            fixtures or other appurtenances now or thereafter placed upon the
            leased premises during the term of this lease.

                  Said public liability policy or policies shall be in an amount
            of not less then $300,000.00 in respect to injuries to or death of
            persons in any one accident and in an amount of not less then
            $1,000,000.00 in respect to injuries to or death of any one person
            and in an amount not less than $100,000.00 for damage to property.

                  Tenant shall promptly pay any and all insurance premiums in
            connection with any policy or policies or insurance and shall
            deliver evidence of such insurance to the Landlord. Should the
            Tenant fail to furnish evidences of such insurance as provided for
            in this lease, Landlord may obtain such insurance and the premiums
            on such insurance shall be deemed to be additional rental to be paid
            by Tenant to Landlord on demand.

      21.   CONDEMNATION CLAUSE

                  If any authority under eminent domain takes business center,
            in either of the forms described below, the lease will be terminated
            at that time or all adjustments in rent will be made pro-rata to
            that time and payable then. "Taken" under such proceedings refers to
            the time when either under the provisions of a private agreement by
            Landlord with the condemning authority, or order of a court of
            competent, jurisdiction, the right to immediate physical possession
            is given to such authority. The following kinds of "Takings" are
            embraced under the terms of this Agreement:

                  1.    The entirety of the leased space.
                  2.    Ten (10%) percent or more of the leased space, and in
                        such fashion as to substantially prevent the conduct of
                        Tenant's business in the normal manner.
                  3.    Space of fifty (50%) percent or more of the Tenants in
                        the business center, causing the removal of such tenants
                        under the terms of their own leases.
                  4.    Fifty (50%) percent or more of the common areas of the
                        business center.

<PAGE>

Lease Agreement

      22.   DEFAULT

                  In the event the Tenant fails to pay the rent within five (5)
            business days after the same is due, time being of the essence the
            Landlord may declare this lease to be in default and may exercise
            any of the remedies available to it under the laws of the State of
            Florida as a Landlord. A late fee in an amount equal to five (5%)
            percent of the monthly base rent will be charged to any rents not
            paid by the 6`h business day of the month, whether the Owner
            exercise his right to declare the lease in default or not.

                  In the event a default other than the payment or rent occurs
            and said default continues after fifteen (15) days written notice,
            the Landlord may forthwith terminate this lease and may at that time
            have available to it all remedies of a Landlord under the laws of
            the State of Florida.

      23.   LANDLORD'S LIEN

                  it is understood and agreed that in addition to the statutory
            lien for rent, which the Landlord has, Landlord shall also have an
            express lien upon all of the furniture, fixtures, equipment, goods
            and chattels of the Tenant which may be brought or put on said
            premises as security for the payment of rent and additional rents
            herein reserved. Tenant agrees that the Landlord's lien for the
            payment of said rents may be enforced by distress, foreclosure or
            otherwise at the option of the Landlord.

      24.   QUIET ENJOYMENT

                  So long as the Tenant performs all of its covenants required
            hereunder, the Landlord guarantees to the Tenant quiet enjoyment of
            the subject premises.

      25.   SUBORDINATION

                  The Tenant agrees that its lease interest In the subject
            premises shall at all times be subordinated to any real property
            mortgage financing which may be obtained by the Landlord at the time
            this lease is executed, or at the time new or additional financing
            my be obtained after the date this lease is executed. In the event a
            prospective lender of the Landlord requires additional documentation
            to evidence this right, the Tenant agrees to execute such
            subordination agreements as may be required from time to time.

      26.   INVALIDITY OR UNENFORCABLITY

                  If any term, condition, covenant, or provision of this lease
            is held to be invalid or unenforceable either in itself or as to any
            particular party, then the remainder of the lease, or the
            applicability of such provision to other parties, will continue in
            validity and force; except, if thereafter, as to any other
            individual provision or its applicability to any particular party it
            would be inequitable and inconsistent with the purposes of the lease
            to so continue, then only as to such first and secondary provisions
            or parties will the lease be invalid and unenforceable.

      27.   ATTORNEY'S FEES

                  To any extent it becomes necessary for either Landlord or
            Tenant to take legal action against the other to enforce any
            provisions of this lease, the prevailing party will be entitled to
            awardable attorney's fees.

      28.   ENTIRE AGREEMENT

                  This lease constitutes the entire Agreement between the
            parties along with its exhibits as noted in Paragraph 35 (if any):
            and no alteration or modification of such Agreement may be made
            except in writing to the other party and signed by the party to be
            charged.

      29.   RECORDING OF LEASE

                  This lease will not be recorded in the public records,

<PAGE>

 Lease Agreement

      30.   WRITTEN COMMUNICATIONS

                  Either party will send all rents or payments, notices, or
            approvals in writing provided for under this lease to the other
            party as follows:

              To Landlord:    SAFETY HARBOR CENTRE, INC. ABDI R.
                              BOOZAR-JOMEHRI
                              200 9TH AVENUE NORTH
                              SAFETY HARBOR, FLORIDA 34695

              To Tenant:      At Leased Space

                  Rents are made payable to SAFETY HARBOR CENTRE, INC. and
            delivered (by mail or in person) to SAFETY HARBOR CENTRE, INC, at
            the address noted above. Such rents, if reported, shall use tax ID
            number 59-3604208.,

      31.   WAIVERS

                  No waivers of any term, condition, or covenant of this lease
            may be presumed, but must be made in writing by the party so waiving
            to the other party. No acceptance by Landlord from Tenant of any
            amount paid for any reason under this lease in a sum less than what
            is actually owing will constitute a compromise, settlement, accord
            and satisfaction, release or other final disposition of the amount
            owing in the absence of a writing from the Landlord to the contrary.

            In the event Tenant owes monies to Landlord for other than rent,
            Landlord has the option of applying any monies received against that
            debt or against rent at his discretion.

      32.   ASSIGNMENT AND SUBLETTING

                  This lease may not be assigned not the premises sublet by
            Tenant without the express written consent of the Landlord being
            obtained, which approval shall not be unreasonably withheld.

            REAL ESTATE TAXES AND INSURANCE

                  Real Estate Taxes and Property Insurance shall be the
            responsibility of the Landlord. Insurance in this regard is the
            property insurance to cover the building(s), parking lots, etc., but
            does not include coverage of any property of the Tenant, his
            employees or persons visiting the premises.

      33.   OTHER COVENANTS

            The following are additional covenants between the parties of this
            Agreement:

            Landlord shall provide the following:

            Landlord herein approves all signs as they now appear and are
            placed. Sign remains personal property of the Tenant.

<PAGE>

Lease Agreement

            The following conveniences are extended to the Tenant:

            1.)   If Tenant's company grows to the extent that both suites are
                  not large enough to accommodate Tenant's offices, Tenant will
                  be permitted to lease additional space as available or to move
                  within the 9th Avenue North building.

            2.)   If no such space is available in the 9'h Avenue North
                  building, Tenant will be permitted to transfer the two 91h
                  Avenue North leases to any office building the Landlord may
                  have at the time with available space on reasonable terms to
                  be negotiated, at which time Tenant would be released from the
                  91h Avenue North leases.

            THIS AGREEMENT entered into as of the day and year first above
            written.

WITNESS:                                   LANDLORD:
(As to Landlord)
                                           BY:

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

                                           ABDIR BOOZAR-JOMEHRI
--------------------------                 --------------------------

WITNESS:                                   TENANT:
(As to Tenant)
                                           BY:

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

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

WITNESS:                                   TENANT:
(As to Tenant)
                                           BY:

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

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

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