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                                                                   EXHIBIT 10.48

                     VOLUNTARY RESALE RESTRICTION AGREEMENT

        THIS AGREEMENT is dated for reference this 19th day of November, 2001

        BETWEEN SmartGate, Inc., a Nevada corporation having offices at 4400
Independence Court, Sarasota, Florida, (the "Issuer"), and Robert T. Roth,
businessman having offices at 6008 Bay Valley Court, Orlando, Florida 32819
("Mr. Roth").

WHEREAS

        A.     Mr. Roth has acquired six hundred forty-four thousand two hundred
ninety-two (644,292) common shares $0.001 par value in the capital of the Issuer
incorporated under the laws of Nevada, pursuant to that certain Contribution
Agreement entered into by and among the Issuer, SmartGate, L.C. and the members
of SmartGate, L.C. which included Mr. Roth; and

        B.     Mr. Roth has agreed that it would be in the best interest of Mr.
Roth and the Issuer if Mr. Roth would subject all of the shares of SmartGate,
Inc., which are currently owned by Mr. Roth, his family or affiliates, or which
may, during the term of this Agreement, be acquired by Mr. Roth or his assigns
to a voluntary arrangement restricting resale (the "Arrangement") as provided
herein.

        NOW, THEREFORE, THIS AGREEMENT WITNESSES that in consideration of the
mutual covenants and conditions contained herein and for other good and valuable
consideration (the receipt and sufficiency of which is hereby acknowledged), the
Parties covenant and agree as follows:

1.      VOLUNTARY RESALE RESTRICTION ARRANGEMENT

        1.1 STOP TRANSFER. Concurrently with the execution of this Agreement or
immediately thereafter, as any additional shares of the Issuer are issued to Mr.
Roth, the Issuer will instruct Liberty Transfer Company (the "Transfer Agent")
or replacement therefrom, to make a notation on its books putting a stop
transfer on the shares (except 100,000 shares as provided in Paragraph 2.2(a)
which shall not be restricted by this Agreement) registered in the name of Mr.
Roth. Such stop transfer will be removed from the shares as provided below in
paragraph 2.2.

        1.2 VOTING RIGHTS. Mr. Roth may exercise all voting rights attached to
the shares while the stop transfer is in place.

        1.3 NO WAIVER. For greater certainty, Mr. Roth waives no rights attached
to the shares by reason of the execution of this Agreement, other then the right
to sell the shares while they are subject to the Arrangement provided herein.

        1.4 RESTRICTION ON TRANSFER. While the shares are subject to this
Arrangement, Mr. Roth shall not assign, deal with, pledge, sell, trade or
transfer in any manner whatsoever, or agree to do so in the future, any of the
shares or any beneficial interest in them, except as otherwise herein provided.

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        Except in respect of the foregoing, the Issuer shall not effect or
acknowledge any transfer, trade, pledge, hypothecation, assignment, declaration
of trust or any other documents evidencing a change in the legal or beneficial
ownership of or interest in the shares.

        1.5 DEATH OR BANKRUPTCY. Upon the death or bankruptcy of Mr. Roth, the
assignee of the shares shall receive said shares, subject to and shall be bound
by, the terms and provisions of this Agreement. Such assignee may be required by
the Issuer to execute a joinder to this Agreement as a condition to assigning
said shares on the books and records of the Issuer and its Transfer Agent.

        1.6 LEGEND. Mr. Roth agrees to surrender all certificate(s) representing
the shares (and any after acquired shares) so that the Transfer Agent may place
an appropriate stop-transfer legend on said certificate(s) noting the existence
of this Agreement.

        1.7 RADIO METRIX, INC. Mr. Roth is a shareholder of Radio Metrix, Inc.
Issuer and Radio Metrix, Inc. have entered into a Letter of Intent, pursuant to
which Radio Metrix, Inc. may be acquired in a merger transaction by Issuer. In
the event such Letter of Intent is concluded and additional shares or
entitlement to shares are issued or granted to Mr. Roth, such shares and
entitlement shall automatically and immediately be subject to this Arrangement
and the stop-transfer as set forth herein. Further, should Mr. Roth acquire any
other or additional shares of the Issuer during the term of this Agreement,
whether in open market or private transactions, said shares shall be subject to
the restrictions as provided herein and such restriction shall be so noted with
the Transfer Agent.

2.      RELEASE FROM ARRANGEMENT

        2.1 RETENTION OF STOP TRANSFER. Mr. Roth irrevocably directs the Issuer
to retain the stop transfer on the shares until the shares are released from
this Arrangement pursuant to Paragraph 2.2.

        2.2 RELEASE INSTRUCTIONS.

               (a)     100,000 shares owned by Mr. Roth shall not be restricted
by this Agreement and shall be released from the restrictions of this Agreement
provided such shares are sold in accordance with a private transaction, and the
Issuer shall so notify the Transfer Agent of such release of the 100,000 shares
for sale by Mr. Roth (provided the shares are sold in accordance with a private
transaction).

               (b)     At the end of 13 months from the date of this Agreement,
Issuer shall release an additional 100,000 shares from the restrictions provided
in this Agreement, provided that such shares are only sold in a private
transaction (and not in a transaction in the public trading market).

               (c)     All restrictions set forth in this Agreement shall lapse
and be of no further effect 19 months following the execution of this
Agreement. Upon lapse of said restrictions, the Issuer shall notify the Transfer
Agent to remove the stop transfer instructions. Upon tender of the
certificate(s) by Roth to the Transfer Agent, the Transfer Agent will be
instructed to issue a certificate without a legend describing or relating to
this Agreement.

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        2.3    PARTIAL TERMINATION. The release from this Agreement of any of
the shares shall terminate this Agreement only in respect of the shares so
released.

3.      MATTERS INVOLVING ISSUER

        3.1    INDEMNITY. Mr. Roth shall release, indemnify and save harmless
the Issuer from and against all costs, charges, claims, demands, damages, losses
and expenses resulting from administering this Agreement and compliance in good
faith with this Agreement.

4.      MISCELLANEOUS

        4.1    AMENDMENT OF AGREEMENT. This Agreement may be amended only by the
written agreement between the Issuer and Mr. Roth.

        4.2    FURTHER ASSURANCES. The Parties shall execute and deliver any
documents and perform any acts necessary to carry out the intent of this
Agreement.

        4.3    GOVERNING LAWS. This Agreement shall be construed in accordance
with and governed by the laws of Nevada.

        4.4    COUNTERPARTS. This Agreement may be executed in two or more
counterparts, each of which shall be deemed to be an original and all of which
shall constitute one agreement.

        4.5    SINGULAR/PLURAL. Wherever a singular expression is used in this
 Agreement, that expression is deemed to include the plural or the body
 corporate where required by the context.

        4.6    ENUREMENT. This Agreement enures to the benefit of and is
binding on the parties and their heirs, executors, administrators, successors
and permitted assigns.

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

                                      SMARTGATE, INC.

/s/ ROBERT T. ROTH                    /s/ STEPHEN A. MICHAEL, PRESIDENT
-----------------------               ---------------------------------
Robert T. Roth                        Authorized Signatory
                                      STEPHEN A. MICHAEL  AS PRESIDENT

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                                    AGREEMENT

        This Agreement, dated November 19, 2001 between SmartGate, Inc., Bob
Roth and G.M. Capital Partners, Ltd. is to set forth the parties agreement that
the Voluntary Resale Restriction Agreement dated November 19, 2001 between
SmartGate, Inc. and Bob Roth, attached hereto as Exhibit A cannot be cancelled,
considered null and void or amended in any form without the written consent of
G.M. Capital Partners Ltd.

G.M. Capital Partners, Ltd.           SmartGate, Inc.

                                      /s/ STEPHEN A. MICHAEL, PRESIDENT
-------------------------             ---------------------------------
Authorized Signatory                  Authorized Signatory

/s/ ROBERT T. ROTH
-------------------
Bob Roth<PAGE>
                                                                   EXHIBIT 10.49

                                  STOCK OPTION

         THIS CERTIFIES THAT, FOR VALUE RECEIVED, SmartGate Inc., a Nevada
corporation ("SmartGate Inc." or the "Company") has, on January 15, 2002,
granted to Hawk Associates, Inc. ("Holder") the right and option until January
16, 2009 to purchase 50,000 shares of Common Stock of SmartGate Inc., at a
purchase price of $7.25 per share. The shares, which may be purchased under
this Option, are subject to a vesting schedule over a 24-month period from
January 16, 2002 where 6,250 shares shall be released and become eligible for
purchase at the end of each quarterly (i.e. three-month) period during the
24-month vesting term provided the engagement agreement between the Company and
the Holder dated January 16, 2002 ("Engagement Agreement"), a copy of which is
attached hereto, has remained in effect at the end of the quarterly period then
in effect as set forth below ("Vesting Condition"); to wit:

         -        the first 6,250 shares would vest and be eligible for
                  purchase on April 15, 2002 if the Vesting Condition was met
                  for that quarter;

         -        the next 6,250 shares would vest and be eligible for purchase
                  on July 15, 2002 if the Vesting Condition was met for that
                  quarter;

         -        the next 6,250 shares would vest and be eligible for purchase
                  on October 15, 2002 if the Vesting Condition was met for
                  that quarter;

         -        the next 6,250 shares would vest and be eligible for purchase
                  on January 15, 2003 if the Vesting Condition was met for
                  that quarter;

         -        the next 6,250 shares would vest and be eligible for purchase
                  on April 15, 2003 if the Vesting Condition was met for that
                  quarter;

         -        the next 6,250 shares would vest and be eligible for purchase
                  on July 15, 2003 if the Vesting Condition was met for that
                  quarter;

         -        the next 6,250 shares would vest and be eligible for purchase
                  on October 15, 2003 if the Vesting Condition was met for that
                  quarter;

         -        the next 6,250 shares would vest and be eligible for purchase
                  on January 15, 2004 if the Vesting Condition was met for that
                  quarter;
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                                                                              2

         This Option and the vesting schedule hereinabove shall have no effect
upon (nor alter): (i) the Company's early termination rights under the Initial
Period as set forth in the Engagement Agreement; or (ii) the Engagement
Agreement being an open-ended 30-day notice agreement following the Initial
Period (as set forth in the Engagement Agreement) and each party having right
thereafter to terminate the Engagement Agreement with 30 days notice. The
Holder acknowledges and agrees that only shares which are vested may be
purchased and if the Engagement Agreement is terminated by either party during
this Option's vesting period the Holder will be entitled to purchase only those
shares that have vested through the date of termination.

         In the event of a stock dividend or stock split resulting in the
number of outstanding shares of the Company being changed, the applicable
exercise price and number of shares, as provided in this Option, shall be
proportionately adjusted. In the event of the merger, consolidation, or
combination of the Company into another company or entity which survives that
transaction, the shares which may be purchased under this Option shall be
converted into an equivalent number of shares of the surviving entity. In the
event of the sale of all or substantially all of the assets of the Company, the
shares which may be purchased upon the exercise of the Option shall be treated
in any distribution as if said shares are issued and outstanding, with the
exception that the exercise price under this Option shall be deducted from the
amount to be distributed on a per-share basis.

         The grant of this Option is made without registration under the
Securities Act of 1933 (the "Act") by reason of a specific exemption. The
Option and shares to be issued at exercise shall be restricted as to transfer
in accordance with Rule 144 of the Act.

         As a condition to the issuance of shares of Common Stock of the
Company under this Option, the Holder agrees to remit to the Company at the
time of any exercise of this Option any taxes required to be withheld by the
Company under Federal, State, or Local law as a result of the exercise of this
Option.

         This Option may not be transferred without the consent of the Company.
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                                                                              3

         The Holder shall not have any of the rights of a shareholder with
respect to any shares of the Company's common stock until the purchase price
for the shares has been paid to the Company.

         The Company has caused this Option Agreement to be executed in the
name of the Company by its corporate officer having been duly authorized, and
the Holder has hereunto set Holder's hand and seal as of the date and year
first above written.

SMARTGATE INC.
a Nevada corporation

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

AGREED TO AND ACCEPTED BY HOLDER:

HAWK ASSOCIATES, INC.

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

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