Document:

Exhibit 10.12

[LOGO]

           Direct Card Services, LLC. Approved Sales Program Agreement

         THIS AGREEMENT dated January 5, 2004 ("Effective Date") is made by and
between Optimum Pay, Inc., a Delaware corporation, whose address is 18301 Von
Karman Avenue, Irvine, CA 92612 ("Service Provider" or "Service Provider"), and
Direct Card Services, LLC, ("Program Originator" or "Originator") a Limited
Liability Company corporation whose address is 31416 W. Agoura Rd. Suite 240,
Westlake Village, CA 91361. Service Provider and Program Originator are herein
collectively referred to as the "Parties".

        WHERAS, the Parties have entered into a Master Services Agreement dated
as of October 23, 2003 (the "Master Services Agreement") whereby Service
Provider has agreed to provide certain services, as set forth in the Master
Services Agreement (the "Services"), relating to the processing and settlement
of Stored Value Card ("SVC") transactions; and

        WHEREAS, the Program Originator is also an Independent Sales
Organization ("ISO"), of the Service Provider; and

        WHEREAS, the Program Originator wishes to market the Services to
prospective SVC cardholders and customers in a manner which targets Program
Originator's specific markets, customer needs, and solutions (the "Custom
Program"); and

        WHEREAS, the Program Originator wishes to conduct such marketing of the
Custom Program by and through Independent Sales Agents or Independent Sales
Representatives (collectively "Marketers") in accordance with an Approved Sales
Program ("ASP") which is set forth on Attachment A hereto.

        NOW, THEREFORE, in consideration of the foregoing, the terms, covenants
and conditions herein and other valuable considerations; the Service Provider
and Program Originator agree as follows:

1.)   Definitions. Terms not defined herein shall have the same meaning as set
      forth in the Master Services Agreement.

                  "Bankcard Processing Provider" means the entity which handles
      the processing of all SVC transactions.

                  "Customer" means an entity which enters into an agreement with
      the Program Originator for the Custom Program.

                  "Issuing Bank" means the bank which issues the SVC.

<PAGE>

2.) Intellectual Property.

      The SVC, and any and all intellectual property or proprietary information
      related thereto, is and shall be, owned by the Service Provider and/or its
      service sub-contractors for the term of this Agreement and thereafter.

      Program Originator is the owner of the Custom Program and has the
      authority to seek compensation from Marketers of the Service Provider for
      the use of the ASP.

3.) Term and Termination.

         a.)      The term of this Agreement shall commence as of the date
                  hereof and shall continue until terminated as set forth
                  herein. Either party may terminate this Agreement at any time
                  upon ninety (90) days prior written notice to the other party.

         b.)      The relationship between the parties and any existing
                  Customers or Cardholders shall be governed by the terms and
                  conditions of the Cardholder Agreement and/or any other
                  agreement that exists with a Customer or Cardholder. Any
                  termination of this Agreement shall not effect the rights of
                  any existing Customers or Cardholders and the Parties hereto
                  agree to continue to perform their obligations hereunder with
                  respect to Customers or Cardholders existing at the time of
                  termination. This obligation shall continue until the Custom
                  Program is terminated unless otherwise agreed to in writing by
                  the Parties.

4.) Approved Sales Program.

      Program Originator shall set forth on Attachment A, which is attached
      hereto and incorporated herein, its sales and marketing methodology for
      executing the Custom Program and the sales process which shall be followed
      when executing the ASP. The ASP shall detail Program Originator's
      responsibilities in marketing and implementing the Custom Program and
      shall set forth the following, which list is not meant to be exclusive:

         a.)      The ideal or target market for the Custom Program.

         b.)      The process through which Program Originator or an ISA shall
                  compile Cardholder information and transfer such information
                  to the Service Provider for the issuance of the SVCs.

         c.)      The process which will ensure that the rights, privacy, and
                  other personal information of the Cardholders are preserved.

         d.)      The standards for customer support and identify who is
                  responsible for maintaining appropriate levels of Tier 1,
                  customer support for the Custom Program.

         e.)      The manner in which and when a Marketer, for the purpose of
                  making a sale, may identify the Service Provider, Program
                  Originator, Bankcard Processing Provider, or the Issuing Bank.

         f.)      The process that Marketers shall follow when obtaining binding
                  commitments from Customers enrolling in the Custom Program and
                  for how those commitments are recorded and verified by Program
                  Originator and/or Service Provider.

         g.)      Provide copies of the marketing materials (telephone scripts,
                  brochures, web sites, etc.) that will be provided to Marketers
                  for their use in selling the Custom Program for approval by
                  the Issuing Bank and the Bankcard Processing Provider.

         h.)      Provide a complete copy of the Cardholder Agreement,
                  containing the Terms and Conditions that a Cardholder must
                  consent to before activating his or her SVC, and copies of all
                  other documents provided to a Cardholder for approval by the
                  Issuing Bank and the Bankcard Processing Provider.

<PAGE>

         i.)      A schedule of the pricing and the fees of the Custom Program,
                  which shall match those set forth in the Cardholder Agreement,
                  that identifies which parties shall be responsible for the
                  collection and distribution of those fees.

         j.)      Provide a direct deposit account at a designated bank for the
                  settlement of fees due to the Program Originator and the
                  Program Originator's portion of refunds due the cardholder.

5.) Fees.

                  (a) Implementation Fee. Program Originator shall pay to
         Service Provider an implementation fee of $10,000. For each additional
         ASP, the implementation fee will be negotiated. Program Originator
         shall remit payment to Service Provider upon execution of this ASP
         Agreement.

                  (b) Issuance Fees. The initial issuance fee charged by the
      Marketer, as set forth in the ASP, shall be non-refundable except when (i)
      it is determined that the individual who applied to be a Cardholder is not
      the correct person or entity represented as the Cardholder; or (ii) the
      jurisdiction in which the Cardholder resides requires a different refund
      policy or requirement.

                  (c) Other Fees. All other fees that are to be charged under
      the Custom Program are set forth in the ASP and shall be collected and
      distributed according to the schedule therein. The monthly maintenance fee
      as set forth in the ASP, Attachment "A" is charged per card/per month
      after the card is active and or funded. Service reserves the right to
      increase fees, upon 30 days notice.

6.)      Initial Order. Program Originator shall have a minimum of [5000] funded
         and active cards in its initial order under the Program, which must be
         placed within 10 (ten) days of the completed program (completed program
         meaning that Cards can be shipped and activated for cardholder usage).
         Service Provider will invoice Program Originator for 5000 cards at an
         issuance price of $5.40 per card to be paid within 10 business days
         from Invoice Date.

7.)      Pre-Payment. Program Originator shall pre-pay in advance U.S.
         $15,000.00 dollars on future revenue transaction minimum based on
         $5,000 minimum transaction revenue per month for 3 (three) months. In
         the event that Program Originator has less than [$5,000] minimum
         transaction revenue for a particular month with the first 3 months,
         Program Originator shall pay Service Provider the difference from the
         advance pre-payment. Service Provider will issue an Invoice for the
         Pre-payment upon completing the program and payment will be due within
         30 days from Invoice Date. Once this requirement is met, Program
         Originator may add cardholders in any quantity. At the end of the six
         (6) months any remaining Pre-Payment reserve shall be refunded to
         Program Originator within ten (10) days from the Service Provider.

8.)      Solicitation of Services.

         During the term of this Agreement, Service Provider shall not market or
         sell any other services to any Customer or Cardholder without Program
         Originator's written consent and Program Originator shall not market or
         sell any other services to any Customer or Cardholder without the
         written consent of the Service Provider and of the Marketer responsible
         for the particular Customer or Cardholder.

<PAGE>

9.)      Program Monitoring.

         Service Provider, or its representatives, at Service Provider's sole
         cost and expense, shall have the right, at any time, to monitor Program
         Originator's and/or any Marketer's sales and marketing methodology in
         the implementation of the ASP.

         In the event that Service Provider determines, or has reason to
         believe, that Program Originator or any Marketer has committed any
         fraudulent acts with respect to any Cardholder and/or the operation of
         the SVC, Service Provider shall have the right to review past records
         of any and all SVC transactions to determine if any Cardholder is due a
         refund. Each Party hereto and any Marketer shall be responsible for the
         reimbursement of any fees that it collected as a result of the
         fraudulent act.

10.)     Service Provider Responsibilities.

                  (a) Approvals. The Service Provider, in cooperation with
         Program Originator, shall use commercially reasonable efforts to obtain
         approval of the ASP from the Issuing Bank and the Bankcard Processing
         Provider and to obtain the qualification of each Cardholder from the
         Issuing Bank. If the Issuing Bank does not approve the ASP, Service
         Provider shall use commercially reasonable efforts to work with Program
         Originator and the Issuing Bank and the Bankcard Processing Provider to
         amend the ASP to obtain the Issuing Bank's approval, provided however,
         that in the event that the Issuing Bank should ultimately decide to not
         approve the ASP this Agreement shall terminate immediately. In no event
         shall Service Provider be held liable if the Issuing Bank does not
         approve the ASP.

                  (b) ASP. Service Provider shall be responsible for those items
         set forth in the ASP.

11.)     Representations and Warranties.

                  (a) Program Originator represents and warrants that (i) it is
         a [corporation] duly organized, validly existing, and in good standing
         under the laws of the state of its [incorporation] and it has all
         requisite power and authority to carry on its business as now being
         conducted and is duly qualified and in good standing to do business in
         all jurisdictions in which it conducts business; (ii) the execution and
         delivery of this Agreement and the consummation of this Agreement has
         been duly authorized by all necessary action on the part of Program
         Originator, and further this Agreement has been duly executed and
         delivered by Program Originator, and constitutes the legal, valid and
         binding obligation of Program Originator enforceable against it in
         accordance with its terms, (iii) it has the full right and power to
         enter into this Agreement and to carry out its obligations hereunder;
         and (iv) it is presently in compliance with all laws, rules and
         regulations applicable thereto, and is not presently subject to any
         sanctions, claims or legal actions.

                  (b) Service Provider represents and warrants that (i) it is a
         corporation duly organized, validly existing, and in good standing
         under the laws of the state of its incorporation and it has all
         requisite power and authority to carry on its business as now being
         conducted and is duly qualified and in good standing to do business in
         all jurisdictions in which it conducts business; (ii) the execution and
         delivery of this Agreement and the consummation of this Agreement has
         been duly authorized by all necessary action on the part of Service
         Provider, and further this Agreement has been duly executed and
         delivered by Service Provider, and constitutes the legal, valid and
         binding obligation of Service Provider enforceable against it in
         accordance with its terms, (iii) it has the full right and power to
         enter into this Agreement and to carry out its obligations hereunder;
         and (iv) it is presently in compliance with all laws, rules and
         regulations applicable thereto, and is not presently subject to any
         sanctions, claims or legal actions.

<PAGE>

12.)     Communications.

         Neither Program Originator nor any Marketer shall not contact the
         Issuing Bank or the Bankcard Processing Provider or any of their
         affiliates or related entities without Service Provider's prior written
         consent. A breach of this covenant shall be deemed a material breach of
         the Agreement and may, at Service Provider's sole discretion, result in
         the immediate termination of this Agreement.

13.)     Non-exclusive.

         This shall not be an exclusive Agreement to Program Originator, and
         Service Provider shall have the right and ability to enter into similar
         or substantially similar card offers with other entities for the
         distribution of Service Provider SVC services.

14.)     Relationship of Parties.

         This Agreement does not create a relation of principal and agent nor is
         either party to be considered to be the agent or legal representative
         of the other. Program Originator is not authorized to make any warranty
         or representation on behalf of the Service Provider. It is expressly
         understood that Program Originator and the Service Provider are in all
         respects independent parties to a contract. Program Originator agrees
         that it will not represent to any person that it is the agent of the
         Service Provider, nor will it fail to correct any misunderstanding as
         to status.

15.)     Indemnification/Damages.

                  (a) By Program Originator. Program Originator shall indemnify,
         defend and hold harmless Service Provider and each officer, director,
         employee, insurer, successor, and assign thereof against any and all
         losses, claims, damages, liabilities, costs and expenses (including
         costs of defense of every kind whatsoever and the aggregate amount in
         reasonable settlement of any action, suit, proceeding or claim) which
         Service Provider may incur or for which Service Provider may become
         liable on account of any claim, action or proceeding brought against
         Service Provider claiming damages under any law, common law or
         otherwise, to the extent that such claims, actions or proceedings,
         whether in whole or in part, arise or are alleged to arise out of or by
         reason of or in connection with, directly or indirectly, any action or
         failure to act on the part of Program Originator, its employees or
         agents.

                  (b) By Service Provider. Service Provider shall indemnify,
         defend and hold harmless Program Originator and each officer, director,
         employee, insurer, successor, and assign thereof against any and all
         losses, claims, damages, liabilities, costs and expenses (including
         costs of defense of every kind whatsoever and the aggregate amount in
         reasonable settlement of any action, suit, proceeding or claim) which
         Program Originator may incur or for which Program Originator may become
         liable on account of any claim, action or proceeding brought against
         Program Originator claiming damages under any law, common law or
         otherwise, to the extent that such claims, actions or proceedings,
         whether in whole or in part, arise or are alleged to arise out of or by
         reason of or in connection with, directly or indirectly, any action or
         failure to act on the part of Service Provider, its employees or
         agents.

<PAGE>

16.)     Master Services Agreement.

         All of the terms, conditions and covenants of the Master Services
         Agreement are hereby incorporated by reference and in the event of any
         conflict between the specific terms and conditions of this Agreement
         and the terms and conditions of the Master Services Agreement, the
         specific terms and conditions of this Agreement shall control.

17.)     Governing Law.

         This Agreement shall be interpreted, construed and enforced in all
         respects in accordance with the laws of the State of California
         (without regard to any principles of conflicts of laws thereof).
         Jurisdiction and venue for any claim or cause of action arising under
         this Agreement shall be exclusively in an appropriate state or federal
         court located in the State of California.

IN WITNESS WHEREOF, the parties hereto have set their hands and seal the day and
year first above written.

Direct Card Services, LLC                       Optimum Pay, Inc.

by_____________________________________         by__________________________
Name:

Date _____________                              Date_____________

<PAGE>

ATTACHMENT A

<TABLE>
<CAPTION>
<S>                                                                                                                        <C>
1)    Program Overview......................................................................................................8

   A)    ASSIGNING ISO "PROGRAM ORIGINATOR" INFORMATION.....................................................................8
   B)    ASSIGNED SUB-AGENT "MARKETER" INFORMATION..........................................................................8
   C)    PROGRAM INFO.......................................................................................................8
   D)    SALES PROCESS OVERVIEW.............................................................................................9

2)    Marketing Methodology.................................................................................................9

   A)    MARKETING PLAN..........................................................................ERROR! BOOKMARK NOT DEFINED.
   B)    WRITTEN MATERIALS..................................................................................................9
   C)    WEB SITE CONTENT........................................................................ERROR! BOOKMARK NOT DEFINED.

3)    Customer Service Documentation.......................................................................................11

   A)    CUSTOMER SERVICE PLAN.............................................................................................11
      Customer Self Service (Tier 0 Support).....................................................Error! Bookmark not defined.
      Tier 1 Support.......................................................................................................11
      Tier 2 Support.......................................................................................................11
      Tier 3 Support.......................................................................................................11
   B)    IVR SCRIPTS.......................................................................................................11

4)    Card Issuance Documentation..........................................................................................11

   A)    TYPE OF CARD......................................................................................................11
   B)    CARD VOLUME AND DISTRIBUTION INFORMATION..........................................................................11
      Initial Card Printing................................................................................................12
      Weekly Volume........................................................................................................12
      Card Distribution Method.............................................................................................12
      Planned Program Ending.....................................................................Error! Bookmark not defined.
   C)    CARDHOLDER IDENTIFICATION PLAN....................................................................................12
   D)    PATRIOT ACT COMPLIANCE PROCEDURES.................................................................................12
   E)    APPROVED MATERIALS................................................................................................12
      Card Carrier.........................................................................................................12
      PIN Carrier..........................................................................................................12
      Customer Terms and Conditions........................................................................................12
      Card Art.............................................................................................................12
      Customer Privacy Statement...........................................................................................13
      Customer Pricing Schedule..................................................................Error! Bookmark not defined.

5)    Settlement Process Documentation.....................................................................................13

   A)    BANK STRUCTURE / ACCOUNTS.........................................................................................13
      Universal Card, Inc. Account.........................................................................................13
      Universal Card, Inc. Accounts........................................................................................13
   B)    ACCOUNT FUNDING REQUIREMENT.............................................................ERROR! BOOKMARK NOT DEFINED.
   C)    PROGRAM SPECIFIC CARD FUNDING PROCEDURES................................................ERROR! BOOKMARK NOT DEFINED.
   D)    DIVISION OF FEES..................................................................................................14
</TABLE>

<PAGE>

1) Program Overview

Assigning ISO "Program Originator" Information

Company:        Direct Card Services LLC

Address:        31416 W. Agoura Rd.
                Suite 240
                Westlake Village, CA 91361
Phone:          818-735-3721

Fax:            818-707-1161

E-mail:         Randy@directcardservices.net

Assigned Sub-Agent "Marketer" Information

Legal Name of Co:       Same as Above

Legal Owner or Parent Organization of Company:

Trade or Business Name ("DBA"):

Address:

Website:

Contact Name at Company:

Type of Business (manufacturing, service, etc.):

How long has organization existed?

Program Info

Card Name:  DCS -  Personal Advantage Media Card

Name Significance:  Media Radio Card

<PAGE>

Primary card recipients and relationship to Direct Card Services.: Co-brand
marketer of the Personal Advantage Media Card program

Mission / Goal: Provide 21st Century eFinance and eCommerce solutions for
clients. Committed to delivering its clients the best in new technology
solutions to increase its clients profits. Offer a simple and easy to use stored
value card to individuals through a marketing partnership with various radio
stations. Cardholders would be eligible to receive special offers and discounts
from the radio stations and their advertisers. By loading the card and making
purchases at the radio stations' advertisers, cardholders would receive the
discounts offered by those merchants.

Distribution Method / Process:

Sales Process Overview

Customers will be listening to the radio from either home, car, or work.
Customers will be invited to apply for the card by calling an 800 number. The
operator will take the customers' pertinent/required information and transmit it
to Optimum Pay for fulfillment.

Additionally:

Customers will be invited to apply for the card by filling out a form on a
secure website.

Customers will be able to apply for the card by filling out a form that includes
a pre-paid business reply envelope. The application will be mailed to
____________ for fulfillment.

2)   Marketing Methodology

     Marketing Plan

Cardholders will be individuals who listen to various radio stations. These
cardholders will match the demographics of the stations' audience profiles.
These radio stations' audiences tend to be younger (18 to 34) will most likely
have a high concentration of Latinos.

The primary marketing channel will be on-air announcements on various radio
stations. These announcements will ask listeners to call an 800 number to apply
for the card.

The radio station will pre-load a small number of cards and give them away to
listeners who call the station when invited to do so.

Listeners will also have the opportunity to apply for the card at a secure
website that is linked to the stations home website.

<PAGE>

The radio station will send an email to their existing (opt-in) listener
database inviting listeners to apply for the card. The stations will also send a
direct mail solicitation to their listeners that includes an application

     Written Materials

     Radio Script(s): 1 -  Pre-paid MasterCard Giveaway Script

     Here's your chance to win your very own Pre-paid MasterCard from (station).
     Pre-loaded with ($_____ It's the card you've been hearing about. The card
     that can change your life. No more cash to carry around. No cash to pay
     your bills. Buy gas or get groceries. Shop on-line. Get cash from an ATM
     machine when you need it. Plus, discounts at your favorite stores. And this
     special Pre-paid MasterCard with give you front of line privileges at clubs
     and concerts and on-air prize giveaways.

Just be the tenth caller at (station phone #) and we'll send you out your very
own Pre-paid MasterCard from (station) pre-loaded with ($_________. Call now.

     Radio Script(s): 2 - MasterCard Pre-paid Debit Card Promo

     Here's an important announcement from (station). You no longer need
     cash or purchases!

     Now you can get your very own MasterCard... the Pre-Paid Cash Card from
     MasterCard and from your friends at (station) No more cash to carry around.
     No more cash to buy gas or groceries. Rent a car. Shop on-line. No more
     money orders to pay your bills. And you can use your Pre-Paid MasterCard to
     get cash at any participating ATM machine whenever you need it. . Plus,
     your Pre-Paid MasterCard gives you many special privileges from
     (station)...save money at stores where you like to shop...be first in line
     to get concert tickets or win prizes. Special access to the best seats, win
     prizes on-air and no more waiting in long lines at selected clubs.

     Imagine... YOUR very own MasterCard....No hassles, no credit checks and all
     the privileges and security of a MasterCard. It doesn't just look like a
     MasterCard. It is a MasterCard

     Your MasterCard works just like a pre-paid phone card. Cash your pay check
     at a participating merchant or check cashing store, load it with as much
     cash as you want and you're ready to go. No worries of added debt. Just
     load the card with only the amount you want to put on it. When the card is
     empty, just re-load it. Its so simple.

     Sign up is easy too. To get your Pre-Paid MasterCard from (station), just
     call 1-800-_______, that's 1-800-________ or visit the (station website).
     You will receive your card in a matter of days. Imagine, no more bulky
     cash. No more hassles with money orders. Special access to clubs, concerts
     and on-air contests. Cash from an ATM machine when you need it. And all the
     confidence and convenience of a MasterCard. Just call 1-800-_________ or
     vist the (station website) to sign up today

<PAGE>

     In just days you can have real purchasing power, security, an ATM card and
     special listener access to prizes, concerts and clubs...all from your
     friends at (station ) and MasterCard. Call 1-800-_______ to sign up today.
     That's 1-800-_________. 1-800-________.

     800# Script -

     THANKS FOR CALLING - NAME OF STATION OR PROGRAM MAY I HAVE YOUR NAME AND
     ADDRESS?

     MAY I HAVE YOUR SSN?
     MAY I HAVE YOUR DATE OF BIRTH (MONTH, DAY, YEAR)?
     MAY I HAVE YOUR TELEPHONE NUMBER (HOME AND OFFICE)?
     MAY I HAVE YOUR E-MAIL ADDRESS? (OPTIONAL)
     YOUR ORDER NUMBER IS - YOU SHOULD RECEIVE YOUR LA-RAZA MasterCard STORED
     VALUE CARD IN THE MAIL IN 10 DAYS. CAN I HELP YOU WITH ANYTHING ELSE?

     UPSELL PITCH - IF ANY
     THANKS FOR CALLING!
     (REFERENCE TO MASTERCARD IS OPTIONAL BUT SUGGESTED

     Website Content

     To be submitted by Direct Card Services, LLC, prior to approval process.

3)       Customer Service Documentation

Customer Service Plan

Tier 1 Support

Accepting incoming call from Cardholders. This will be the only point of contact
with the Cardholder. Tier-1 will be operated by or outsourced by Service
Provider to provide support to Cardholders. Hours of operation will 24X7,
English and Spanish.

IVR Scripts

4)       Card Issuance Documentation

Type of Card - Master Card Pin Based Debit Stored Value Card

Card Volume and Distribution Information -

     ====================================== ===============================
                 Projections                         # Active Cards
     ====================================== ===============================
                   Year 1                                20,000
     -------------------------------------- -------------------------------
                   Year 2                               100,000
     -------------------------------------- -------------------------------
                   Year 3                               500,000
     -------------------------------------- -------------------------------

<PAGE>

Initial Card Printing - 5000 cards

Weekly Volume - 500 cards

Card Distribution Method - Customers will receive their cards via USPS within 5
to 7 business days after the acceptance of their application. From our embossing
facility contracted with either Personix or EFT source. The card will be sent
separately, and the PIN will be sent 3 to 5 days after the Card..

Planned Program Ending

Number of Cards - 500,000
Date - 2005

Cardholder Identification Plan

First and Last Name, U.S. Address (street, city, state, and zip), Social
Security #, DOB, telephone #. We will capture the information in XML format from
an FTP site, and conduct an ID verification with OFAC screening by third party
certified ID verifier (eg. Equifax).

Patriot Act Compliance Procedures

We will capture their First, and Last Name, Street Address, Social Security # or
Government I.D., Date of Birth, and home telephone #. Once the information is
captured, it will be screened for OFAC standards through a third party ID
verifier organization.

Approved Materials

Card Carrier

To be attached Direct Card Services, LLC MasterCard Card Carrier

PIN Carrier

To be attached Direct Card Services, LLC. MasterCard PIN Carrier Letter

Customer Terms and Conditions

To be attached Direct Card Services, LLC MasterCard Customer Terms and
Conditions

Card Art

For the initial issuance the stock MasterMoney Maestro will be used with
additional printing as shown here:

                [CARD]                                  [CARD]

<PAGE>

Customer Privacy Statement

The following Privacy statement will appear on the self-service web site
associated with the card.

5) Settlement Process Documentation

Bank Structure / Accounts

Direct Card Services, LLC. Account

Depository Account: ONLY OPTIMUM PAY WILL HAVE ACCESS TO THE ACCOUNT : Program
Originator will be required to maintain an account with Wells Fargo Bank to
provide the ability for immediate financial adjustments or transactions with
Service Provider as they relate to the program.

Direct Card Services, LLC. Accounts

Reserve Account: Service Provider will maintain an account for Program
Originator to cover the reserve required by the Issuing Bank for the cards
issued as a part of the program. This account must maintain a balance equal to a
minimum of 10 % of the total value outstanding on balance of SVCs that are a
part of the program. Should immediate funding of an SVC be needed as a feature
of the Custom Program, this account must also contain the amount of funds needed
to cover that immediate funding. Service Provider recommends a static balance
equal to 3 days of transactions. Service Provider will review the funding level
of this account as needed and will notify Program Originator of any additional
funding requirements for this account.Exhibit 10.13

                              CONSULTING AGREEMENT

         This Consulting Agreement (the "Agreement") is made and entered into
this 20th day of January, 2004, by and between Floyd Cochran, residing at 21028
46th Avenue, Langley, British Columbia, Canada (hereinafter referred to as the
"Consultant") and Direct Response Financial Services, Inc., a Colorado
corporation (hereinafter referred to as the "Company").

                                    RECITALS

         WHEREAS, Company acknowledges that Consultant has experience, knowledge
and contacts that are valuable to Company, and;

         WHEREAS, Company desires to obtain the services of Consultant, and
Consultant desires to be hired by Company on the following terms and conditions.

         NOW THEREFORE, in consideration of the mutual promises and agreements
set forth herein, and other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties agree as follows.

         1. CONSULTING SERVICES. The Company hereby retains the Consultant as an
independent financial Consultant to the Company and the Consultant hereby
accepts and agrees to such retention. The services provided by Consultant shall
consist of advice on the expansion of business in Canada, international business
transactions, consultation regarding referrals to the Company regarding
electronic commerce, and assisting in bringing Salem Communications to Direct
Card Services as a stored-value card account (hereinafter the "Consulting
Services").

         2. TIME, MANNER AND PLACE PERFORMANCE. The Consultant shall provide
services similar to those provided to other Companies that may include public
trading companies. The Company agrees that the Consultant does not and shall not
be required to devote its full time and efforts to the Company. The Consultant
shall devote such time to the Company as is reasonable and necessary to provide
the Consulting Services to the Company. The Consultant shall be available for
advice and counsel to the officers and directors of the Company at such
reasonable and convenient times and places as may mutually be agreed upon.

         3. TERM OF THE AGREEMENT. The Term of this Agreement shall be for a
total of two (2) years, commencing on January 20, 2004, and ending January 20,
2006 (the "Term") subject however, to prior termination as provided for in
Section 11 of this Agreement.

         4. COMPENSATION. In consideration of the Consulting Services to be
provided to the Company by the Consultant, Company hereby agrees to compensate
Consultant as follows: Company agrees to pay the Consultant a fee equal to
500,000 shares of Rule 144 restricted common stock of the Company. The shares
shall be deemed fully earned upon receipt by the Consultant, provided that the
Consultant performs the Consulting Services described hereinabove. All shares
issued shall be issued free and clear of any liens and encumbrances.

<PAGE>

         5. SALE OF SHARES RECEIVED. It is the Consultant's intention to sell
the shares identified in Section 4 hereinabove during the term of this Agreement
or shortly thereafter pursuant to Rule 144. The Company agrees that the
Consultant may sell the shares at such times and in such manner as may be
determined in the sole discretion of the Consultant. The Company understands
that any sales of the shares by the Consultant may have effect of decreasing the
trading price of the Company's stock price, particularly if the Company's stock
is thinly traded. The Consultant will use reasonable efforts to make such sales
as such times and in such a manner so as to minimize any adverse effect to the
Company from sales of the shares.

         6. DISCLOSURE OF INFORMATION. The Consultant recognizes and
acknowledges that it has and will have access to certain confidential
information of the Company and its affiliates that are valuable, special and
unique assets and property of the Company and such affiliates ("Confidential
Information"). The Consultant will not, during and after the term of this
Agreement, disclose without the prior written consent or authorization of the
Company, any Confidential Information to any person, except authorized
representatives of the Consultant or its affiliates, for any reason or purpose
whatsoever. In this regard, the Company agrees that such authorization or
consent to disclose may be conditioned upon the disclosure being made pursuant
to a secrecy agreement, protective order, provision of statue, rule, regulation
or procedure under which the confidentiality of the information is maintained in
the hands of the person to whom the information is to be disclosed or in
compliance with the terms of a judicial order or administrative process. Any
information which has been disclosed to the public by the Company or upon the
authorization of the Company shall not be considered Confidential Information.

         7. NATURE OF RELATIONSHIP. Nothing in this Agreement shall render any
party a general partner of the other. Except as set forth in this Agreement
neither party is nor shall be a general agent for the other and neither party is
given authority to act on behalf of the other. The Consultant is retained by the
Company in an independent capacity and except as set forth in this Agreement,
Consultant shall not enter into any agreement or incur any obligation on behalf
of the Company.

         8. CONFLICT OF INTEREST. This Agreement is non-exclusive. The
Consultant shall be free to perform services for other companies and persons.
Consultant will use its best efforts to avoid conflicts of interests. Company
agrees that it shall not be a conflict of interest that Consultant devotes time
and resources to companies and persons other than Company.

         In the event that the Consultant believes a conflict of interest arises
which may affect the performance of the Consulting Services for the Company,
Consultant shall promptly notify the Company of such conflict. Upon receiving
such notice, the Company may terminate this Agreement pursuant to Section 11.
Failure to terminate this Agreement within thirty (30) days of notification of
any conflict of interest shall constitute the Company ongoing consent to the
Consultant continued activities, which would be in conflict with the Company.

<PAGE>

         9. INDEMNIFICATION FOR SECURITIES LAWS VIOLATIONS AND LIMITATION OF
         LIABILITY.

         A. The Company agrees to indemnify and hold harmless the Consultant
against any losses, claims, damages, liabilities and or expenses including any
legal or other expenses reasonably incurred in investigating or defending any
action or claim in respect to which the Consultant may become subject under the
Securities Act of 1934 as amended, because of actions of the Company or its
agent's, Company's material publicly available to the Consultant, or materials
provided to Consultant by Company for use by Consultant in its performance under
this Agreement.

         B. The Consultant agrees to indemnify and hold the Company and each
officer, director and controlling person of the Company against any losses,
claims, damages, liabilities and expenses including any legal or other expenses
reasonability incurred in investigating or defending any action or claim in
respect thereof to which the Company of such officer, director or controlling
person may become subject under the Securities Act of 1934 as amended, solely
because of actions of the Consultant or his agent(s).

         10. TERMINATION. Notwithstanding Section 3 of this Agreement, this
Agreement may be terminated; A. By the Company for any reason upon thirty (30)
days prior written notice to Consultant. The Company

will issue all shares not issued that reflects the fee; or,
         B. By Consultant upon thirty (30) days prior written notice to the
Company in the event the Company requests Consultant to perform acts or services
in violation of any law, rule, regulation, policy or order of any Federal or
State regulatory agency or is engaging in conduct in violations under the same
rules.

         11. NOTICES. Any notices required or permitted to be given under this
Agreement shall be sufficient if in writing and delivered via facsimile,
registered or certified mail, return receipt requested, to the address set forth
below.

                                    IF TO CONSULTANT:
                                    21028 46th Avenue
                                    Langley, BC V3E 3E6
                                    FAX-1-604-688-6425

<PAGE>

                                    IF TO COMPANY:
                                    C/O CATANESE & WELLS, A LAW CORP.
                                    31416 W. AGOURA ROAD, SUITE 240
                                    WESTLAKE VILLAGE, CA  91361

         12. APPLICABLE LAW. This Agreement shall be interpreted and construed
in accordance with and pursuant to the laws of the Province of British Columbia,
Canada.

         13. ARBITRATION. Any dispute, difference or question which may rise at
any time hereinafter between the Shareholders touching on the true construction
of this Agreement and the respective rights and obligations of each party hereto
to the other shall be referred to and settled by binding arbitration under the
Commercial Arbitration Act of British Columbia. No arbitration shall be
commenced until the aggrieved party shall send to the other party a written
notice describing the problem and stating a proposed solution ("Settlement
Notice"). For thirty (30) days after sending of the Settlement Notice , the
parties shall try to settle the dispute in good faith. During this thirty (30)
days settlement period, each party shall send to the other an additional written
notice with further proposal for resolving the dispute and responding in detail
to the last proposal of the other party. The contents of the Settlement Notice
and of all discussions and writings during the thirty (30) day settlement period
shall be without prejudice and shall be privileged as settlement discussion and
may not be used in any legal proceedings or arbitration. The place of
arbitration shall be Vancouver, British Columbia. One impartial arbitrator shall
be appointed under the Commercial Arbitration Act. Judgment on the Arbitral
award may be entered in any court in the Province of British Columbia or in any
court having jurisdiction. The parties hereby waive all defenses as to personal
jurisdiction, venue and sovereign immunity from attachment, exception and
jurisdiction in any proceeding to confirm or enforce the award. The Laws of the
Province of British Columbia shall govern all issues during the arbitration. The
decision of the Arbitrator shall be final and finding on the parties.

         14. SEVERABILITY. The provisions contained herein are severable and in
the event any of them shall be held invalid, the Agreement shall be interpreted
as if such invalid provisions were not contained herein.

         15. ENTIRE AGREEMENT. This entire Agreement constitutes and embodies
the entire understanding and agreement of the parties and supersedes and
replaces all prior understandings, agreements and negotiations of the parties.
This Agreement may not be modified, except in writing and signed by all parties
hereto.

<PAGE>

         16. COUNTERPARTS. This Agreement may be executed in counterparts, each
of which shall constitute and be deemed an original, but both of which taken
together shall constitute to one and the same document.

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

                                        Consultant
                                        Floyd Cochran

         Dated:   _______________       ______________________________

                                        Direct Response Financial Services, Inc.

         Dated:   _______________       By: ______________________________
                                            Ted Kozub, CEO/President

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