Document:

[ LETTERHEAD DIRECT CARD SERVICES]

              AGREEMENT FOR CUSTOM PRE-PAID STORED VALUE DEBIT CARD

This Agreement is made this 21st day of February, 2005 by and between Super A
Foods, Inc. (the "Merchant") on the one hand, and Direct Card Services, LLC
(hereinafter "DCS"), and Del Rey Financial (hereinafter "DRF") on the other
hand. Merchant desires a custom pre-paid stored value debit card co-branded with
MasterCard and usable in the MasterCard network. DCS provides custom pre-paid
stored value debit card programs of this type. DCS has agreed to provide
Merchant with a pre-paid debit card MasterCard program and card service.
Accordingly, the parties agree as follows.

1. NATURE OF STORED VALUE PROGRAM: DCS will create and provide an approved
stored value debit card program ("SVP") for Merchant. The program will have as
the issuing bank First Premier Bank and its processor will be Optimum Pay USA,
Inc. The SVP will be a custom program for Merchant showing the MasterCard logo
on the face thereof. The SVP will be a MasterCard or in lieu thereof a Maestro
Card. Merchant understands that the SVP must be approved by MasterCard and the
issuing bank. DRF shall assist in the creation of the SVP for marketing
purposes.

2. IMPLEMENTATION FEES: Provided Merchant executes this Agreement on or before
March 1, 2005, DCS will waive its normal implementation fee of $20,000 for the
SVP. If this Agreement is made after March 1, 2005, Merchant agrees to pay DCS a
$20,000 implementation fee at the time the SVP is submitted to the issuing bank
and MasterCard for approval.

3. CARD ACTIVATION FEE AND TRANSACTION COSTS: Attached as Exhibit "A" is a
schedule of fees and costs chargeable to Merchant by DCS for the SVP. Merchant
may add to these fees and costs at Merchant's discretion subject to MasterCard
and issuing bank approval.

4. [omitted]

5. CUSTOMER SERVICE: DCS and the issuing bank and processor will provide
customer service for all bank related questions and inquiries.

6. CARD PROCESSING SERVICES PRICING PROPOSAL: As part of the SVP DCS will
provide a basic online service product for the SVP in accordance with Exhibit
"A." Should Merchant desire a customized online service or IVR service Merchant
will be required to pay DCS a separate fee for such service.

7. TECHNOLOGY AND LOADING NETWORK: DCS will assist Merchant in creating a closed
loading network for Merchant for the SVP at Merchant locations. Merchant
acknowledges that its existing technology may not be compatible with the SVP
network requirements. In the event that the SVP requires separate software or
technology to enable the technology to work at Merchant locations Merchant
agrees it will be required to pay the normal and customary technology hook up
fees. If the DCS stored value program network does not work with Merchant's
current point of sale system, this Agreement becomes invalid.

8. LIMITATION OF REMEDIES: DCS or Optimum Pay shall be liable for all damages or
injuries directly related to the use of the DCS point of sale device or products
sold therefrom.

9. EXCLUSIVITY: The Merchant agrees that during the term of this Agreement DCS
shall be the sole provider of prepaid MasterCards to all its retail locations.
Merchant acknowledges that this representation is material to this Agreement.

10. TERM: This Agreement shall have a term of one (1) year. This Agreement shall
automatically renew for successive one (1) year terms if one or another of the
parties does not give notification no later than sixty (60) days prior to the
end of any term of their desire to terminate the Agreement. This Agreement shall
continue on a month-to-month basis until terminated with thirty (30) days' prior
written notice or Agreement renegotiation.

<PAGE>

11. TRANSFER OF RIGHTS OR ASSIGNMENT: Neither party shall have the right to
assign its interests in this Agreement to any other party, unless the prior
written consent of the other is first obtained. This Agreement shall be binding
on any successors of the parties.

12. DISPUTE RESOLUTION: Any disputes between Merchant and DCS that cannot be
resolved informally between the parties will be submitted to arbitration under
the rules and regulations of the American Arbitration Association. Either party
may invoke this paragraph after providing ten (10) days written notice to the
other party. All costs of arbitration shall be divided equally between the
parties. Any award may be enforced by a court of law. Dispute mediation or
arbitration will be located in the county of Los Angeles, State of California.
The prevailing party shall be entitled to its reasonable attorneys' fees and
costs.

13. ENTIRE AGREEMENT: This Agreement is the entire agreement of the parties. It
may be modified by written modification only.

14. GOVERNING LAWS: This Agreement is governed by the laws, rules and
regulations of the State of California.

Merchant:                  Super A Foods, Inc.

Owner/Officer (print):      _______________________

Owner/Officer (signature):  _______________________        Dated: _____________

Direct Card Services, LLC

Representative:             _______________________        Dated: _____________

del Rey Financial, Inc.

Representative:             _______________________        Dated: _____________[DRFS LOGO]                             Direct Response Financial Services, Inc.
                                                     2899 Agoura Road, Suite 115
                                                      Westlake Village, CA 91361
                                                            phone (818) 735-3726

                                February 24, 2005

Mr. Doyle Rose
c/o ROI Media Solutions, LLC
3232 Oakdell Lane
Studio City, CA  91604

Dear Doyle:

      In furtherance of the rights and obligations of Direct Card Services, LLC
and ROI Media Solutions, LLC under that certain Memorandum of Understanding as
amended on September 29, 2004, ("MOU") the parties confirm the following.

      (1) DCS confirms that upon receipt of funds from ROI as stated below in
paragraph 7, DCS transfers all its rights under the MOU in the La Raza Bank Card
Program, arising out of the Radio Marketing Agreement with Spanish Broadcasting
Systems dated 3/16/04 to ROI. ROI shall thereafter have the right to administer
the La Raza Bank Card Program and the sole right to any profits derived
therefrom. ROI confirms that upon delivery of funds as stated below in paragraph
7, DCS shall retain any and all rights to the Power 92 Personal Advantage Media
Card Program in Phoenix arising out of the Radio Marketing Agreement with Emmis
Communications dated 2/27/04, and that DCS shall thereafter have the right to
administer the Power 92 Personal Advantage Media Card Program in Phoenix and the
sole right to any profits derived therefrom.

      (2) ROI confirms that upon delivery of funds as stated in paragraph 7, ROI
assigns all its rights and interests in the InfoTouch Strategic Alliance
Agreement to DCS. DCS confirms that the existence of such agreement in no way
precludes ROI from entering into a separate agreement with InfoTouch for
services.

      (3) DCS confirms that upon receipt of funds from ROI as stated in
paragraph 7, DCS assigns all its rights and interests in the Entravision Radio
Marketing Agreement to ROI. ROI confirms that the existence of such agreement in
no way precludes DCS from entering into a separate agreement with Entravision
for services.

<PAGE>

Mr. Doyle Rose
February 24, 2005
Page 2 of 2

      (4) DCS agrees that upon receipt of funds as stated in paragraph 7, it
agrees to defend, indemnify and hold harmless ROI and its affiliates, officers,
directors, shareholders, employees, partners, attorneys, agents and
representatives from and against all claims, demands, obligations, losses,
liabilities, damages, recoveries and deficiencies, including interest, penalties
and reasonable attorneys' fees, costs and expenses arising out of, resulting
from or related in any way whatsoever to DCS's obligations under the Power 92
Personal Advantage Media Card Program in Phoenix.

      (5) ROI agrees that upon delivery of funds as stated in paragraph 7, it
agrees to defend, indemnify and hold harmless Direct Response Financial
Services, Inc., DCS and their affiliates, officers, directors, shareholders,
employees, partners, attorneys, agents and representatives from and against all
claims, demands, obligations, losses, liabilities, damages, recoveries and
deficiencies, including interest, penalties and reasonable attorneys' fees,
costs and expenses arising out of, resulting from or related in any way
whatsoever to ROI's obligations under the La Raza Bank Card Program.

      (6) DCS and ROI confirm that any and all other contracts not mentioned
herein that are shared between DCS and ROI (including, but not limited to
agreements with Q-Comm and Atrana Solutions) will be dissolved through
notification to the third party vendor, with the understanding that it is the
intention of both DCS and ROI to enter into separate written agreements with the
third party vendors.

      (7) Under the MOU, the parties have agreed that DCS's approved expenses
related to the La Raza Bank Card Program total $144,121.28, and that ROI's
approved expenses related to the Power 92 Personal Advantage Media Card Program
in Phoenix total $26,356.62. (see Schedule A attached) Accordingly, the balance
due to DCS from ROI totals $117,764.66. ROI agrees that it will forward such
funds to Direct Response Financial Services, Inc. via wire transfer as soon as
practicable according to the terms of the amended MOU. Wire instructions are as
follows -

         Account Name:     Direct Response Financial Services, Inc.
         Account Number:   200948503            Routing Number: 322271724
         Bank Address:     Citibank (West) FSB, Westlake Financial Center
                           974 S. Westlake Blvd.
                           Westlake Village, CA  91361
                           Phone 805-379-3288

      (8) If the payment referenced in paragraph 7 above is not delivered by
March 1, 2005, ROI is to include an additional $6,250.00 for Optimum Pay monthly
charges for the month of March, 2005, for a total payment due of $124,014.66.

<PAGE>

Mr. Doyle Rose
February 24, 2005
Page 3 of 3

      Please execute below where indicated to acknowledge your agreement with
the above.

                                    Sincerely,

                                    /s/ Douglas R. Hume

                                    Direct Response Financial Services, Inc
                                    Douglas R. Hume, General Counsel

AGREED AND ACCEPTED:                ROI Media Solutions, LLC

Dated:___________________
                                    By:  /s/ Doyle Rose
                                         -------------------------------------
                                         Doyle Rose, Managing Member

                                    Direct Card Services, LLC

Dated:___________________           By:  /s/ T. Randolph Catanese
                                         -------------------------------------
                                         T. Randolph Catanese, Managing Member

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