Document:

EXHIBIT 10.18

                                    AGREEMENT

         This Agreement ("Agreement") is made this 14th day of March, 2000, by
and between 5th Ave Channel Corp., a Florida Corporation, with its principal
place of business located at 3957 NE 163d Street, North Miami, Florida 33160
("5th Ave") and Infocall Communications Corp. ("INFE") with its principal place
of business located at 8000 Towers Crescent Drive, Suite 640, Vienna, VA 22182,
("INFE").

                                    RECITALS

         Whereas, INFE is in the business of providing Internet based career
services, software and systems to corporations ("INFE Products"); and,

         Whereas, 5th Ave operates a World Wide Web site currently located at
WWW.5THAVENUECHANNEL.COM and WWW.5AC.COM (the "5th Ave Site") on the Internet
which includes a product sales area (the "Sales Area"), and is planning on
launching a Television Channel (the "5th Ave Channel") which will be airing
financial and entrepreneurial programming offering information and the promotion
of product sales; and,

         Whereas, 5th Ave and INFE agree as described below;

         NOW, THEREFORE, INFE and 5th Ave agree as follows:

         1. OBLIGATIONS AND TERM

                  1.1 CONCEPT. Subject to the terms and conditions of this
Agreement, 5th Ave and INFE agree to co-develop and co-market a career service
("Career Service"), as defined below, on the Internet and through the
utilization of 5th Ave's cable television channel and web site. The Career
Service will consist of a searchable resume and job database, a banner
advertising program, a video corporate career profile and resume service
utilizing 5th Ave's net video concept and other services as agreed to from time
to time. INFE will be responsible for the development and implementation of a
resume and job database, banner advertising and marketing of corporate career
profile and video resumes. 5th Ave will be responsible for the video technology
of the Career Service and the proper implementation and management of the same.
The parties mutually agree to co-market the Career Service with INFE having the
responsibility to market the Career Service over the Internet and 5th Ave having
the responsibility to market the Career Service on its cable broadcast
television channel and other 5th Ave-related websites. The customers and
inquiries generated from all such activities, whether from INFE's client
database and marketing activities or 5th Ave's website, television channel, or
the outlets of 5th Ave's clients, will be known for the sake of this Agreement
as "Customers". In addition, 5th Ave agrees to promote INFE's INFe-Structure
consulting services on its website and television channel and to promote
selected INFE clients on a corporate profile basis.

                  1.2 VENTURE OBLIGATIONS. In addition to the other obligations
specified in this Agreement, during the term of this Agreement, INFE commits to
designing and managing

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a Career Service program "Branded" for 5th Ave as modified from time to time by
mutual agreement of the parties. The Career Service will include the 5th Avenue
concepts of Netvideo Jobs, Netvideo Careers and Netvideo Employment. 5th Ave
agrees to assist in the conceptual design of the program, and to assist INFE in
the deployment, marketing and promotion of this program. Each partner agrees to
assign a project manager to this program and to maintain such throughout the
life of this program. The costs associated with this project will be shared on a
pre-negotiated basis.

                  1.3 TERM. The Term of this Agreement shall commenc6 as of the
date set forth above and end on the last day of the twenty-fourth (24th)
calendar month following the month in which the INFE services become active (the
"Deployment Date") and is subject to renewal as follows: The Term shall
automatically be extended for additional consecutive twelve month (12) renewal
periods (each a "Renewal Term") unless either party provides written notice to
the other party at least thirty (30) days prior to expiration of the Term, or
any renewal thereof, of its desire not to renew. Any reference herein to the
"Term" shall include each Renewal Term. This Agreement may be terminated only
upon a breach by either Party not cured within the time set forth in Section
6.13 below. If this Agreement is terminated due to a breach of contract, then
the breaching party shall not be entitled to compensation at the rates provided
herein for any transactions, as hereinafter defined, in progress.

         2. PROGRAMMING.

                  2.1 DESIGN, COSTS, AND FEATURES AND SERVICE. The Internet
design and programming for the Career Service will be performed under the
direction of INFE with the assistance and approval of the 5th Avenue project
manager assigned to the program. The cost of the necessary personnel, software
development, computer equipment, hardware, testing, and implementation will be
borne by both parties on a negotiated basis pending approval of a budget
prepared by the venture parties. Features of the Career Service will consist of
a job and resume database search and matching capability, job advertisements,
"featured corporations profile" program, banner advertisement program and other
career and job services as agreed to from time to time. The unique focus of the
Career Service will be the use of 5th Ave's net video concepts and the
deployment of a video jobs, careers and employment service. Each party hereto
shall retain patents, trademarks, copyrights and ownership of the respective
party's invention.

                  2.2 SITE DEVELOPMENT, HOSTING AND MAINTENANCE. The parties
agree that the user interface on 5th Ave's site will interface with a Host
Server in ways to be determined by the technology personnel of both parties. The
user interface will be consistent with 5th Ave's design and navigation. INFE
shall incorporate 5th Ave Brand Marks, as well as any other text, graphics,
animation, scripts or other materials deemed necessary or desirable by both
parties including other 5th Ave products and services.

                  2.3 CUSTOMER AND TECHNICAL SUPPORT INQUIRIES. All customer or
technical support inquiries shall be directed to an e-mail address and phone
numbers specified by 5th Ave and forwarded to INFE for handling. Both parties
will assign content project managers to manage the development and maintenance
which results from the execution of this agreement.

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                  2.4 INFE PERMISSIONS. INFE hereby grants to 5th Ave the
non-exclusive, non-transferable, non-assignable (except as provided in Section
6.1) right during the Term to use (i.e., to copy, transmit, distribute, display
and perform both privately and publicly) the INFE Site name and programming, the
name and other related textual, programming and graphic material that are
provided by INFE to 5th Ave for the express purpose of inclusion on the 5th Ave
Site or the 5th Ave Channel from time to time (collectively, the "INFE
Materials"), at 5th Ave's discretion. INFE also authorizes, but does not
require, 5th Ave to refer, at its discretion, in 5th Ave's advertising and
promotion to the fact that the INFE services are accessible through 5th Ave,
provided that 5th Ave does not disparage INFE, its products, services or
affiliates. All use of INFE Materials hereunder shall inure to the benefit of
INFE and shall not create any rights, title or interest in them for 5th Ave. No
other use of INFE's names, trademarks, services marks, design marks, symbols
and/or other indicia of origin or other designations confusingly similar to any
of the foregoing may be made by 5th Ave for any purpose without the prior
written approval of INFE. As between INFE and 5th Ave, INFE owns and shall
continue to own, exclusively, all right, title and interest (including, without
limitation, all rights provided under the law of copyright and trademark) in and
to the INFE Materials. Nothing above implies that 5th Ave is obliged to use
INFE's name in its marketing or site design.

                  2.5 5TH AVE PERMISSIONS. 5th Ave hereby grants to INFE, its
affiliates and agents the non-exclusive, non-transferable, non-assignable
(except as provided in Section 6.1) right during the Term to use (i.e., to copy,
transmit, distribute, display and perform both privately and publicly) the
Return Icon, 5th Ave's name, the name of the 5th Ave Site, the name of the 5th
Ave Channel, the name of the Sales Area and other related textual and graphic
material that are provided by 5th Ave to INFE for the express purpose of
inclusion on INFE's server, if part of the programming described under this
agreement requires programming to reside on INFE's server (collectively, the
"5th Ave Materials"). 5th Ave also authorizes INFE to refer in INFE's
advertising and promotion to the fact that INFE's products and services are
accessible through 5th Ave's web site, provided that, unless it receives written
permission from 5th Ave, any such statement does not disparage 5th Ave, its
products, services or affiliates. All use of the 5th Ave Materials hereunder
shall inure to the benefit of 5th Ave and shall not create any rights, title or
interest in them for WFE. No other use of 5th Ave's names, trademarks, services
marks, design marks, symbols and/or other indicia of origin will be made by INFE
for any purpose without the prior written approval of 5th Ave. As between ME and
5th Ave, 5th Ave owns and shall continue to own, exclusively, all right, title
and interest (including, without limitation, all rights provided under the law
of copyright and trademark) in and to the 5th Ave Materials and all names,
trademarks, service marks, design marks, symbols and/or indicia of origin
therein throughout the world and in perpetuity, subject to the permissions
granted in this Agreement.

         3. FEES AND OTHER COMPENSATION.

                  3.1 TRANSACTIONS. Both parties agree to share in the revenues
and profits from the Career Service based on fees and schedules to be developed
by the parties which schedules will be made addenda to this Agreement and will
be attached hereto and considered a part hereof.

                  3.2 AUDITING. Either party shall have the right, at its
expense, upon thirty (30) business days written notice and during the other
party's normal business hours, to

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inspect and audit the relevant site logs, books and records of the other party
for the purpose of verifying the performance, any reports, information or
payments due under this Agreement. Any such audit shall be conducted by a firm
of independent certified public accountants reasonably acceptable to the other
party. In the event of any shortfall in payment to a party is found which
exceeds ten percent (10%) of the total due to said party for the reporting
period audited, the party responsible for the shortfall shall reimburse the
other party for the reasonable fees of the accountants conducting the audit.

                  3.3 TRACKING AND NAMES.

                           3.3.1 The determination of the source for career
services and products offered by 5th Ave shall be done by identifying Customers
who link through 5th Ave or their clients and/or by the use of currently
deployed browser "Cookie" technology. In the case of users who access without
making such cookies available (or in the event that use of such cookies is
restricted by law or abandoned) and in the case of users linking to the supplied
URLs (for example, by the appearance of the supplied URL on a search site or by
obtaining a bookmark to the supplied URL from a linking Customer), then,
notwithstanding anything to the contrary herein, INFE shall cooperate reasonably
with 5th Ave to identify feasible, lawful, available alternate technological
means to identify such users. Notwithstanding the foregoing, INFE shall
separately track and report all electronic mail leads generated by the 5th Ave
inquiry forms.

                           3.3.2 INFE will provide to 5th Ave all names and
contact information from all Customers who have come to INFE through 5th Ave or
its clients, except in those circumstances where INFE is prevented doing so by
applicable law.

                  3.4 OTHER COMPENSATION. As a material inducement to enter into
this Agreement, INFE agrees that it will waive any fees that INFE normally
charges for any personnel that FAVE hires through INFE's ITCareernet.com
recruitment services.

         INFE agrees to issue to FAVE 700,000 shares of INFE's common stock par
value $.001 (seven hundred thousand). Such shares will not be registered under
the Securities Act and will bear a restrictive legend, which enables FAVE to
sell such shares pursuant to SEC Rule 144.

FAVE agrees to issue to INFE 100,000 shares of FAVE's common stock par value
$.001 (one hundred thousand). Such shares will not be registered under the
Securities Act and will bear a restrictive legend, which enables INFE to sell
such shares pursuant to SEC Rule 144).

         4. CONFIDENTIAL INFORMATION.

                  4.1 DEFINITION. As used herein, "Confidential Information"
shall mean all oral or written information, of whatever kind and in whatever
form, relating to past, present or future products, software, research,
development, inventions, processes, techniques, designs or other technical
information and date, and marketing plans (including such information of third
parties that a party hereto is obligated to hold as confidential), provided that
such information has been reasonably identified as or could be reasonably
considered to be proprietary or confidential, that either party (a) may have
received prior to the date of this Agreement, whether directly from

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the other or indirectly from third parties, or (b) may receive hereunder from
the other. The terms of this Agreement shall be deemed Confidential Information.

                  4.2 OBLIGATION. Each party agrees that, with respect to its
receipt of Confidential Information of the other party it shall:

                           4.2.1 use the same care and discretion to prevent
disclosure of such Confidential Information as it uses with similar Confidential
Information of its own that it does not desire to disclose but in no even with
less than a reasonable degree of care;

                           4.2.2 accept such Confidential Information and use
such Confidential Information only for the purposes permitted hereunder; and

                           4.2.3 restrict disclosure of Confidential Information
solely to those of its employees and agents who have a need to know and are
obligated not to disclose such Confidential Information to any third parties.

                  4.3 EXCEPTIONS. The restrictions of Section 4.2 shall not
apply to information that:

                           4.3.1 is or hereafter becomes part of the public
domain through no wrongful act, fault or negligence on the part of the
recipient;

                           4.3.2 the recipient can reasonably demonstrate, is
already in its possession and not subject to an existing agreement of
confidentiality;

                           4.3.3 is received from a third party without
restriction and without breach of this Agreement;

                           4.3.4 was independently developed by the recipient as
evidenced by its records; or

                           4.3.5 recipient is required to disclose pursuant to a
valid order of a court or other governmental body; provided, however, that the
recipient shall first have given notice to the disclosing party and shall give
the disclosing party a reasonable opportunity to interpose an objection or
obtain a protective order requiring that the Confidential Information so
disclosed be used only for the purposes for which the order was issued.

                  4.4 RETURN. All notes, data, reference manuals, sketches,
drawings, memoranda, electronic media, records in any way incorporating or
reflecting any Confidential Information of the disclosing party and all
proprietary rights therein shall belong exclusivity to such disclosing party and
the recipient agrees to return all copies of such materials to the disclosing
party immediately upon request or upon termination or expiration of this
Agreement.

         5. LIABILITY.

                  5.1 PRODUCT RESPONSIBILITY. INFE and 5th Ave acknowledge that
neither advocates nor endorses the purchase or the use of any of the products or
services offered

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by the other through their respective World Wide Web sites or otherwise, nor do
they guaranty the quality, fitness or results of any such products or their
compliance with any law or regulation.

                  5.2 REPRESENTATIONS AND WARRANTIES OF INFE. INFE represents
and warrants that: (a) INFE has the right to enter into this Agreement and to
grant the rights and licenses granted herein; (b) the reproduction,
distribution, transmission, public performance and public display of the INFE
Material in connection with the 5th Ave Site and the 5th Ave Channel do not and
will not (i) invade the right of privacy or publicity of any third person, (ii)
contain any libelous, obscene, indecent or otherwise unlawful material, or (iii)
infringe any patent, copyright or trademark right in any jurisdiction, or (iv)
contravene any other rights of any third person; (c) INFE has received no notice
of such invasion, violation or infringement of rights; except that the
representations and warranties in subsections (b) and (c) above shall not apply
to User Content or Product Content. Instead, INFE agrees that it shall use
commercially reasonable efforts to monitor and edit such User Content and
Product Content and shall use commercially reasonable efforts to promptly remove
any User Content and Product Content from the 5th Ave Sites which fails to
conform with the warranties and representations in subjection (b) above. "User
Content" means content uploaded by parties other than INFE; "Product Content"
means content contained in products sold by parties other than INFE. INFE shall
provide commercially reasonable customer service to consumers in connection with
the 5th Ave site and the 5th Ave Channel, subject to the cure provisions set
forth in Section 6.13.

                  5.3 REPRESENTATIONS AND WARRANTIES OF 5TH AVE. 5th Ave
represents and warrants that: (a) 5th Ave has the right to enter into this
Agreement and to grant the rights and licenses granted herein; (b) the 5th Ave
Sites and the 5th Ave Channel and the reproduction, distribution, transmission,
public performance and public display of the 5th Ave Materials as permitted
herein do not and will not (i) invade the right of privacy or publicity of any
third person, (ii) contain any libelous, obscene, indecent or otherwise unlawful
material, or (iii) infringe any patent, copyright or trademark right in any
jurisdiction; or (iv) contravene any other rights of any third person; (c) 5th
Ave has received no notice of such invasion, violation or infringement of
rights; except that the representations and warranties in subsections (b) and
(c) above shall not apply to User Content or Product Content. Instead, 5th Ave
agrees that it shall use commercially reasonable efforts to monitor and edit
such User Content and Product Content and shall use commercially reasonable
efforts to promptly remove any User Content and Product Content that fails to
conform with the warranties and representations in subsection (b) above.

                  5.4 BREACH OF REPRESENTATION, WARRANTY OR COVENANT. Each party
to this Agreement shall defend, indemnify and hold harmless the other party and
each of its officers, directors, employees and agents (each, an "Indemnitee")
against and in respect of any loss, debt, liability, damage, obligation, claim,
demand, judgment or settlement of any nature or kind, known or unknown,
liquidated or unliquidated, including without limitation all reasonable costs
and expenses incurred (legal, accounting or otherwise) (collectively "Damages")
arising out of, resulting from or based upon any claim, action or proceeding by
any third party alleging facts or circumstances constituting a breach of the
representations and warranties of this Section 5 made by such indemnifying party
(the "Indemnifying Party").

                  5.5 PROCEDURES FOR INDEMNIFICATION. Whenever a claim shall
arise for indemnification under this Section 5, the relevant Indemnitees, as
appropriate, shall promptly

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notify the Indemnifying Party and request the Indemnifying Party to defend the
same. Failure to so notify the Indemnifying Party shall not relieve the
Indemnifying Party of any liability which the Indemnifying Party might have,
except to the extent that such failure prejudices the Indemnifying Party's
ability to defend such claim. The Indemnifying Party shall have the right to
defend against such liability or assertion in which event the Indemnifying Party
shall give written notice to the relevant Indemnitees of acceptance of the
defense of such claim and the identity of counsel selected by the Indemnifying
Party. Except as set forth below, such notice of the relevant Indemnitees shall
give the Indemnifying Party full authority to defend, adjust, compromise or
settle such action, suit, proceeding or demand with respect to which such notice
shall have been given, except to the extent that any compromise or settlement
shall prejudice the intellectual property rights of the relevant Indemnitees.
The Indemnifying Party shall consult with the relevant Indemnitees prior to any
compromise or settlement which would affect the intellectual property rights or
other rights of any Indemnitee, and the relevant Indemnitees shall have the
right to refuse such compromise or settlement and, at the refusing party's or
refusing parties' cost, to take over such defense, provided that in such event
the Indemnifying Party shall not be responsible for, nor shall it be obligated
to indemnify the relevant Indemnitees against, any costs or liability in excess
of such refused compromise or settlement. With respect to any defense accepted
by the Indemnifying Party, the relevant Indemnitees shall be entitled to
participate with the Indemnifying Party in such defense if the action or claim
requests equitable relief or other relief that could affect the rights of the
Indemnity and also shall be entitled to employ separate counsel for such defense
at such Indemnitees expense. In the event the Indemnifying Party does not accept
the defense of any indemnified claim as provided above, the relevant Indemnitees
shall have the right to employ counsel for such defense at the expense of the
Indemnifying Party. Each party agrees to cooperate and to cause its employees
and agents to cooperate with then other party in the defense of any such action
and the relevant records of each party shall be available to the other party
with respect to any such defense.

                  5.6 RISK ALLOCATION. Neither party will be liable to the other
party (nor to any person claiming rights derived from the other party's rights)
for incidental, indirect, consequential, special, punitive or exemplary damages
of any kind - including lost revenues or profits, loss of business or loss of
data - arising out of this Agreement (including without limitation as a result
of any breach of any warranty or other term of this agreement), regardless of
whether the party liable or allegedly liable was advised, had other reason to
know, or in fact knew of the possibility thereof.

                  5.7 ACKNOWLEDGEMENT OF NO WARRANTY. Excepts as expressly
provided herein, neither party warrants that their respective web sites or the
co-branded sites will perform in the manner expected or without interruption,
error or defect or that any revenue to either party will result from the
activities contemplated by this agreement. Except as expressly set forth in this
Agreement, neither party makes any warranties of any kind, express or implied,
including warranties of merchantability or fitness for a particular purpose or
warranties against infringement of any intellectual property rights not
specifically enumerated.

                  5.8 LIMITATION OF LIABILITY. Each party's liability to the
other party for any and all claims and damages incurred by such party relating
to or arising out of the subject matter of this Agreement, whether in contract,
tort, implied warranty, strict liability or other form of action, except for
claims for violations of a party's intellectual property rights, and any right

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of indemnity provided herein, shall be limited to the greater of (x) the amounts
paid by INFE to 5th Ave pursuant to this Agreement for the preceding three
months or (y) one thousand dollars. 5th Ave and INFE each acknowledge that the
provisions of this Agreement were negotiated to reflect an informed, voluntary
allocation between them of all risks (both known and unknown) associated with
the transactions associated with this Agreement. The warranty disclaimers and
limitations in this Agreement are intended to limit the circumstances of
liability. The remedy limitations, and the limitations of liability, are
separately intended to limit the forms of relief available to the parties. The
provisions of this Section 5.8 shall be enforceable independent and severable
from any other enforceable or unenforceable provision of this Agreement.

         6. MISCELLANEOUS PROVISIONS.

                  6.1 ASSIGNMENT. Except as otherwise provided herein, neither
INFE nor 5th Ave may assign this Agreement or any of its rights or delegate any
of its duties under this Agreement without prior written consent of the other,
which consent shall not be unreasonably withheld. Any purported assignment or
delegation without such required consent shall be null and void.

                  6.2 COUNTERPARTS. This Agreement may be executed in multiple
counterparts, each of which shall be deemed an original and all of which
together shall be deemed the same Agreement.

                  6.3 GOVERNING LAW. This Agreement, its interpretation,
performance or any breach thereof, shall be construed in accordance with, and
all questions with respect thereto shall be determined by, internal, substantive
laws in the State of Florida. In connection with any judicial proceeding: (i)
the parties consent to the exclusive jurisdiction of the state and federal
courts having jurisdiction over Dade County, Florida; (ii) both 5th Ave and INFE
waive personal service and agree that service of any pleading, notice,
complaint, etc. may be served by certified or registered mail by one party to
the other party at such other party's address for notices as set forth above;
and (iii) such service shall be deemed effective as if personally served upon
the receiving party at its principal place of business. If either party employs
attorneys to enforce any right arising out of or relating to this Agreement, the
prevailing party shall be entitled to recover reasonable attorneys' fees, in
arbitration, litigation, or otherwise.

                  6.4 HEADINGS. Section hearings are for convenience only and
are not a part of the Agreement.

                  6.5 NO AUTHORITY TO EXECUTE OTHER PARTY'S AGREEMENTS. Neither
party has the authority to enter into agreements of any kind on behalf of the
other party.

                  6.6 INTEGRATION. This Agreement contains the entire
understanding of the parties hereto with respect to the transactions and matters
contemplated hereby, supersedes all previous agreements between 5th Ave and INFE
concerning the subject matter, and cannot be amended except by a writing signed
by both parties.

                  6.7 NO RELIANCE. No party hereto has relied on any statement,
representation or promise of any other party or with any other officer, agent,
employee or attorney for the other party in executing this Agreement except as
expressly stated herein.

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                  6.8 NOTICE. All notices, demands and other communications
hereunder shall be in Writing or by written telecommunications, and shall be
deemed to have been duly given: (i) if mailed by certified mail, postage
prepaid, on the date five (5) days from the date of mailing, (ii) if delivered
by overnight courier, when received by the addressee or (iii) if sent by
confirmed telecommunication, one business day following receipt by the addressee
at the following address:

                  If to 5th Ave:
                           Adam Taylor
                           Chief Operating Officer
                           5th Ave Channel
                           3957 NE 163d Street
                           North Miami, Florida 33160

                  If to INFE:
                           Thomas Richfield
                           CEO
                           8000 Towers Crescent Drive
                           Suite 640 Vienna, VA 22182

         or such other address as either party may specify by notice given in
writing.

                  6.9 PRESUMPTIONS. In resolving any dispute or construing any
provision hereunder, there shall be no presumptions made or inferences drawn (i)
because the attorneys for one of the parties drafted the agreement, (ii) because
of the drafting history of the agreement; or (iii) because of the inclusion of a
provision not contained in a prior draft, or the deletion of a provision
contained in a prior draft.

                  6.10 SEVERABILITY. In the event any provision of this
Agreement shall for any reason be held to be invalid, illegal or enforceable in
any respect, the remaining provisions shall remain in full force and effect.

                  6.11 SURVIVAL. The provisions of Section 4 and 5 shall survive
termination or expiration of the Agreement.

                  6.12 WAIVER. No waiver of any breach of any provision of this
Agreement shall constitute a waiver of any prior, concurrent or subsequent
breach of the same of any other provisions hereof, and no waiver shall be
effective unless made in writing and signed by an authorized representative of
the waiving party.

                  6.13 RIGHT TO CURE. In the event either party desires to
assert any remedies for breach of this Agreement, the party desiring to assert
such remedies shall give the other party thirty (30) days written notice and an
opportunity to cure within ten (10) business days.

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         IN WITNESS WHEREOF, the parties hereto caused their duly authorized
officers to execute this Agreement as of the date set forth above. 5th Ave
Channel Corp.

                                       5th Ave Channel Corp.

-------------------------------        By:
Officer                                   --------------------------------------
                                       Name:  Melvin Rosen
                                       Title:  President, Chief Executive

                                       Infocall Communications Corp.

-------------------------------        By:
Officer                                   --------------------------------------
                                       Name:  Thomas M. Richfield
                                       Title:  President, Chief Executive

                                       10EXHIBIT 10.19

                         PROGRAMMING INCLUSION AGREEMENT

         This Programming Inclusion Agreement ("Agreement") is entered into as
of March 2, 2000 by and between Fifth Avenue Channel, a Florida corporation
("FAC") and America's Voice, Inc., the owner and distributor of America's
Voice(TM) ("Network").

         WHEREAS, FAC produces financial news and information programming for
distribution via television; and,

         WHEREAS, FAC wishes to include some of it's programming as a portion of
the programming currently distributed by Network, subject to all terms,
restrictions, provisions and/or conditions applicable to the operating
procedures of Network including, without limitation, those imposed on Network by
its various distribution sources; and,

         WHEREAS, Network, subject to the terms and conditions of this
Agreement, is willing to include certain FAC programming within the distribution
of its Network Programming.

         NOW THEREFORE, in consideration of die mutual covenants, conditions and
agreements set forth herein, it is agreed as follows:

         1. DEFINITIONS.

         For purposes of this Agreement, the following definitions shall apply:

            1.1 "FAC Programming" means television programming presented by FAC
                 to Network's facility for inclusion with Network's programming
                 and which will consist exclusively of programs from FAC. All
                 FAC programming presented hereunder is strictly limited to the
                 principal audio and video signal of that specifically defined
                 herein and at no time, regardless of the circumstances, will
                 FAC attempt to present any other programming for inclusion by
                 Network throughout the Term of this Agreement.

            1.2 "Network Programming" means programming distributed by Network
                within the United States, -its territories and possessions;
                provided, however, it is understood and agreed that satellite
                distribution contained within the Network Distribution will
                spill over outside or beyond such geographic boundaries (e.g.,
                into Canada and Mexico) and such spillover, in and of itself,
                does not and shall not violate this Agreement.

            1.3 "Network Distribution" means the various sources, by which
                Network does or may distribute Network Programming.

            1.4 "Party" will mean a named party to this Agreement, its agents,
                employees, officers, directors, successors and assigns.

<PAGE>

            1.5 "Subscriber" is any person, entity and/or location, including.
                without limitation, residences, commercial establishments and
                non-residential buildings, and the individual lodging rooms of
                hotels, motels, dormitories, hospitals, and nursing homes, who
                receive Network Programming as a result of the Network
                Distribution. Except as set forth herein, neither Network nor
                the Agency of Record makes any representations or warranties
                with respect to a total number of present or future Subscribers,
                or the number of residential., commercial or other
                non-residential Subscribers. As of the date hereof, Network hits
                represented its current Subscriber Count as detailed in the
                attached Exhibit A. FAC understands and accepts that Subscriber
                counts, or any other real number reference to Subscribers is an
                approximation and subject to change.

            1.6 "Term- shall mean a period of five (5) years commencing March 6,
                2000 and continuing through March 5, 2005.

            1.7 "Agency of Record" shall mean Turner Group, Inc.

            1.8 "Promotional Announcement" shall mean an announcement of 10
                seconds in duration promoting FAC or FAC Programming for
                insertion in Network Programming.

            1.9 Subject to the terms and conditions of this Agreement, FAC
                Programming will be inserted into the Network Programming
                between the hours of 10:00 am ET and 12:00 pm (noon) ET, Mondays
                through Fridays contained within March 6, 2000 through April 15
                2000. On or before April 160', 2000, FAC Programming inclusion
                within the Network Programming will increase to between the
                hours of 6:00 am ET and 6:00 pm ET, Mondays through Fridays
                throughout the Term, or any modification thereof. ("Scheduled
                Time")

         2. DELIVERY AND INCLUSION OF FAC PROGRAMMING

            2.1 FAC warrants the absolute and undisputed right to distribute,
                transmit or otherwise display FAC Programming and hereby grants
                to Network and Network accepts the right, to distribute, exhibit
                or otherwise display FAC Programming before Subscribers
                throughout the Term, or any extension thereof. At all times,
                regardless of the circumstances, FAC shall remain solely liable
                for the FAC Programming, including, without limitation,
                production, content and delivery of such to Network. FAC shall
                indemnify, defend and hold both Network and the Agency of Record
                harmless from and against any and all claims, liability, loss or
                expense relating to or arising from tile FAC Programming or the
                inclusion of FAC Programming by Network. FAC shall secure in
                advance all right--., licenses, permissions, releases, and
                consents (including without limitation, all those pertaining to
                copyright, trademark, and music performance and

                                       2
<PAGE>

                synchronization rights) necessary and appropriate for
                distribution of FAC Programming in accordance with the terms of
                this Agreement.

            2.2 FAC, at it sole cost and expense, shall deliver FAC Programming
                via domestic communications satellite GE1 Transponder 5 or any
                other mutually acceptable satellite delivery system to Network.
                Network has. advised FAC that Network will require specific
                digital reception equipment to successfully receive FAC
                Programming for inclusion of FAC Programming with Network
                Programming distributed to Subscribers. FAC has agreed to
                provide Network with any and all such equipment necessary to
                receive and/or decompress, the FAC Programming signal, solely at
                FAC's own risk and expense, including without limitation, the
                initial cost of equipment, shipping expenses, and any cost(s)
                for maintenance and/or repair. Equipment provided by FAC
                pursuant to this Agreement is and shall remain the property of
                FAC and. within sixty (60) days of the date of expiration of the
                Term will be returned to FAC, as directed by FAC at FAC's
                expense. The Parties understand and agree that material revision
                to the manner in which FAC delivers FAC Programming to Network
                will not be permitted without (he advance written consent of
                Network. In no event., other titan a Force Majeure Event, shall
                FACS failure to deliver FAC Programming to Network relieve FAC
                of it; payment obligations under this Agreement.

            2.3 Subject to the terms and conditions of this Agreement, Network
                shall use commercially reasonable efforts to insert FAC
                Programming into Network Programming for display or FAC
                Programming before Subscribers during the Scheduled Time,
                throughout the Term; provided that FAC Programming is and
                continues to be transmitted in free access mode throughout the
                Term of this Agreement. Network shall have no obligation to
                include FAC Programming if FAC Programming is scrambled, or if
                access to FAC Programming is otherwise restricted in any way.
                Network shall not have any obligation to include all or any
                portion of the FAC Programming if FAC fails to make payment in
                compliance with this Agreement. Network shall have the absolute
                right to refuse to include or to continue to include any part of
                the FAC Programming that Network reasonably determines contains
                programming or material which is inappropriate, undesirable, or
                negatively impacts Network or its Affiliates in any tangible or
                intangible manner. FAC acknowledges and agrees that Network has
                no obligation to include all or any part of the FAC Programming
                which is now. or at any time hereafter may be, prohibited under
                applicable local, state or federal laws or regulations,
                including without limitation statutes, laws, rules, regulations
                or orders enforced, administered, promulgated or pronounced by
                the Federal Communications Commission ("FCC").

            2.4 FAC understands mid agrees that Network may edit and/or delete
                all or any portion of the FAC Programming necessary to ensure
                that FAC

                                       3
<PAGE>

                Programming will comply with any and all technical standards
                applicable to all Network Programming, including but not limited
                to Network's standard commercial insertion format and related
                Que. tones. Network may pre-empt FAC Programming, in its
                discretion, for inclusion or national public emergency
                information, the relay of breaking national news information
                and/or insertion of a maximum of sixty (60) promotional or other
                commercial spot(s) per week promoting Network or Network
                Programming. Further, Network may pre-empt FAC Programming if
                and when required by the FCC or any other governing body with
                jurisdiction over the display of Network Programming and/or
                during any Force Majeure Event.

            2.5 FAC Programming will be listed as the program information
                displayed in any electronic programming guide providing program
                information space to Network during the Scheduled Time.

            2.6 Throughout the Term, Network will cooperate in the promotion of
                FAC programming by including sixty (60) Promotional
                Announcements per week, scheduled at Network's discretion. Such
                promotional Announcements will (a) be produced and provided by
                FAC., solely at its own expense, in the format specified by
                Network, (b) comply with all Network Programming requirements
                and/or FAC Programming requirements, including but not limited
                to that warranted in Section 4.2 infra; (c) will be delivered to
                Network at least ten (10) days prior to the proposed date the
                Promotional Announcement(s) are to be included in Network
                Programming, and (d) be subject to approval by Network prior to
                inclusion in any Network Programming. Network shall have no
                obligation to include Promotional Announcements unless and until
                such time as FAC provides Promotional Announcements in
                accordance with the terms and conditions of this Agreement. In
                addition to the inclusion of Promotional Announcements, if
                provided by FAC, and in an effort to further promote FAC
                Programming, Network will also make available one (1) bonus hour
                each Sunday through out the Term between 9:00 pm ET and 9:00 pm
                FT for inclusion of FAC Programming.

         3. FEES & REPORTS.

            3.1 For the programming inclusion services set forth in Section 2.3
                above, PAC shall pay to the Agency of Record on a monthly basis
                an Annual Fee in the amount of one million nine hundred and
                twenty thousand dollars ($1,920,000.00) per year throughout the
                Term of the contract.

                3.1.1 (example) Compute the average hourly rate for the
                      applicable month by dividing the Annual Fee by 3,120 (the
                      number of hours during the Scheduled Time in a. year)
                      (e-g. [1,920,000.00/ 3,120]= $615.38; then

                                       4
<PAGE>

                3.1.2 Compute the gross monthly fee by multiplying the average
                      hourly rate by the total number of hours of Scheduled Time
                      in the related month; mid

                3.1.3 For each hour of time in the Scheduled Time during which
                      Network pre-empts or otherwise does not include FAC
                      Programming (including as a result of it Force Majeure
                      Event), the gross monthly fee shall be reduced by an
                      amount equal to the average hourly rate determined above.
                      Partial hours shall be rounded-to the nearest whole hour.
                      The result shall be the Monthly Fee, which shall be due
                      and payable to the Agency of Record as set forth in
                      Section 3.2, below.

            3.2 Not later than five (5) business days prior to the beginning of
                each month (the "Due Date") during the Term, FAC shall pay to
                tile Agency of Record in U.S. Dollars via wire transfer an
                advanced payment for inclusion of; (1) $75.000 for the first
                month of inclusion, (2) $115,000.00 for the second month of
                inclusion and (3) $160,000.00 for die third and each succeeding
                month of inclusion throughout the Term (e.g. for inclusion of
                FAC Programming starting on March 6th a wire transfer will be
                received by the Agency of Record for $75,000.00
                contemporaneously to execution of this Agreement by FAC, by tile
                27th of March a wire transfer for $115,000.00 will be received
                by the Agency of Record for inclusion in April; by April 24th a
                wire transfer will be received by the Agency of Record for
                $160,000.00 for inclusion in May and so on for each succeeding
                month through out the Term. A Statement of Performance for March
                actual billing will be issued by Network by the 15th of April
                from which FAC will pay the difference of the actual billing for
                March mid the pre-paid amount of $75,000, then a Statement of
                Performance for April will be issued by Network by the 15th of
                May from which FAC will pay the difference of the actual billing
                for April and the pre-paid amount of $115,000.00, and then a
                Statement of Performance for May will be issued by the Network
                by the 15th of June from which FAC will pay the difference of
                the actual billing for May and tile pre-paid amount of
                $160,000.00; this will then be the procedure for each coming
                month throughout the Term.)

            3.3 Each month, Network shall submit a Statement of Performance to
                FAC and the Agency of Record by the fifteenth (15th) day of the
                month, which details for the previous month the days and times
                the FAC Programming was included with die Network Programming in
                accordance with section 2.3 above.

            3.4 Upon receipt of the Statement of Performance, FAC shall
                calculate the Monthly Fee for the month detailed in the
                Statement of Performance and remit such fee (less the applicable
                advanced payment) to the Agency of Record not later than the
                20th of each month, the Due Date. If the

                                       5
<PAGE>

                Monthly Fee is less than the applicable advanced payment,
                Network will apply a transmission credit against the next
                advanced payment.

            3.5 If any payment due under this Agreement is not received by the
                Agency of Record in full on the Due Date(s), then such overdue
                amount shall be subject to an interest charge at the rate of
                1.5% per month until the date payment is actually received.
                Acceptance of any such interest charge paid by FAC shall in no
                event constitute a waiver by Network of any default with respect
                to such overdue amount.

            3.6 Within a timely manner, Agency of Record shall promptly disburse
                93.75/o of any and all payments received from FAC directly to
                Network. At no time, regardless of the circumstances is Agency
                of Record liable to make any payment(s) to Network not
                previously received from FAC. The sole obligation of the Agency
                of Record pursuant to. this Agreement is strictly limited to the
                timely processing of payment(s) received by FAC.

            3.7 "Neither Network nor the Agency of Record shall have any
                responsibility or assume any liability for the determination,
                calculations, collection and remittance to proper taxing
                authorities of any sales, use, or other taxes related to arising
                out of the FAC Programming. Any and all taxes or fees due in
                connection with or levied upon FAC Programming are the solo and
                absolute responsibility of FAC.

            3.8 Except as set forth in paragraph 3.4 above, in no event shall
                FAC offset any amounts due Network or any of its Affiliates from
                FAC for any reason, against any sums owed to FAC by Network or
                any of its Affiliates.

         4. REPRESENTATIONS, WARRANTIES AND INDEMNIFICATION.

            4.1 FAC and Network each represents and warrants to the other that
                (a) it will comply with all of its representations, warranties,
                obligations, covenants, and responsibilities herein contained,
                (b) it has the power and authority to enter into this Agreement
                and to fully perform its obligations; and (c) the individual
                executing this Agreement on its behalf has the authority to do
                so.

            4.2 FAC represents, warrants, and covenants to Network that (a) it
                has not and will not during the Term enter into an agreement or
                arrangement which will limit the full performance of its
                obligations under this Agreement; (b) the FAC Programming will
                not contain any material, which is libelous, slanderous,
                defamatory, obscene, or indecent, nor will it contain any
                elements of illegal gaining activities; (c) all applicable fees
                for performance and synchronization rights to musical
                compositions contained in the FAC Programming have been paid and
                will continue to be paid to the applicable music performance
                societies during the term of this Agreement and Network shall
                have no responsibility or liability for any

                                       6
<PAGE>

                services, elements, or products performed, synchronized or
                provided by any person, firm, or corporation or for the making
                of any payments to any person arising from die FAC Programming;
                (d) it will not, without prior written consent, use the name of
                Network or any of its Affiliates (or allow such name to be used)
                or make any statements with respect to Network or any of its
                Affiliates (or allow such statements to be made) in the FAC
                Programming or in any media or at any other time or place so as
                to state or imply (i) that Network is in any way responsible for
                the production of, or content of, any of the FAC Programming;
                (ii) that Network endorses, or is responsible for, any products,
                services or other benefits promoted or advertised in connection
                with the FAC Programming; or (iii) that FAC is employed by, the
                agent of, or in any way under the control or direction of
                Network; (e) nothing contained in or related to the FAC
                Programming, nor any exercise of the rights granted by FAC
                hereunder will (i) violate, infringe or conflict with any rights
                of any person or entity, including, without limitation, any
                copyright, literary, musical, dramatic, artistic, trademark.
                contract, privacy or publicity rights, or the rights to be free
                from unfair competition or defamation, or any other property or
                personal right; or (ii) result in any liability monetary or
                otherwise, to Network, any Affiliate of Network of the Agency of
                `Record; (f) it shall not knowingly or willfully engage in any
                activity or business transaction which is damaging to Network's
                image or goodwill., and it will not take, authorize, or permit
                to be taken, any action which would or could in any way impair
                any of the rights licensed to Network hereunder, and (g) it
                shall comply in all material respects with all applicable
                governmental statutes, laws, rules, regulations, ordinances,
                codes, directives, mid orders (whether federal, state,
                municipal, or otherwise) relating to the subject matter of this
                Agreement.

            4.3 Network represents, warrants, and covenants to FAC that: (a) it
                will not, without prior written consent, use the name of FAC or
                any of its Affiliates (or allow such name to be used) or make
                any statements with respect to FAC or any of its Affiliates (or
                allow such statements to be made) in any media or at any other
                time or place so as to state or imply that Network is employed
                by, the agent of, or in any way under the control or direction
                of FAC; (b) except as otherwise permitted in this Agreement, it
                shall not knowingly or willfully engage in any activity or
                business transaction which is damaging to FAC's image or
                goodwill,; and (c) it shall comply in all material respects with
                all applicable governmental statutes, laws, rules, regulations,
                ordinances, codes, directives, and orders- (whether federal..
                state or local) relating to the subject matter of this
                Agreement.

            4.4 PAC shall indemnify, defend and hold Network, its Affiliates,
                the Agency of Record and their respective officers. directors,
                employees, agents and shareholders, and its and their respective
                assigns, heirs, successors and legal representatives harmless
                from and against, any and all costs, losses, liabilities,
                damages, lawsuits, judgments, claims, actions, penalties, fines

                                       7
<PAGE>

                and expenses (including without limitation, interest, penalties,
                reasonable attorneys fees and all monies paid in the
                investigation, defense or settlement of any or all of the
                foregoing) ("Claims") by third parties, that arise out of or are
                incurred in connection with any of the following whether actual
                or alleged: (i) the breach of any of FAC's representations,
                warranties, or covenants contained herein; (ii) any purchase,
                contracts, debt and/or obligation made by FAC; (iii) the failure
                of PAC to comply with any provision of this Agreement; (iv) any
                claim brought by FAC's employees or agents for compensation
                and/or damages arising out of the expiration or termination of
                this Agreement; (v) FAC's violation of any Laws; (vi) any claim
                related in any way to the provision of FAC Programming or any
                programming by FAC, including claims of or against, product
                manufacturers, purchasers or distributors, or (vii) any claim
                related in any way to a drawing, sweepstakes, lottery or other
                game of chance sponsored, permitted or suffered by PAC or
                otherwise related to FAC Programming. no provisions of this
                Sect-ion 4.4 shall survive termination of this Agreement.

            4.5 Network shall indemnify, defend and hold FAC, the Agency of
                Record and their respective officers, directors, employees,
                agents and shareholders. and its and their respective assigns,
                heirs, successors and legal representatives harmless from and
                against, any and all costs, losses, liabilities, damages,
                lawsuits, judgments. claims, actions, penalties, fines and
                expenses (including without limitation, interest, penalties,
                reasonable attorney's fees and all monies paid in the
                investigation, defense or settlement of any or all of the
                foregoing) ("Claims") by third parties, that arise out of or are
                incurred in connection with any of the following whether actual
                or alleged: (i) the breach of any of Network's representations,
                warranties or covenants contained herein; (ii) any purchase,
                contracts, debt and/or obligation made by Network; (iii) the
                failure of Network to comply with any provision of this
                Agreement; (iv) any claim brought by Network's employees or
                agents for compensation and/or damages arising out of the
                expiration or termination of this Agreement; or (v) Network's
                violation of any Laws. The provisions of this Section 4.5 shall
                survive termination of this Agreement

            4.6 Network shall not be liable for any failure of performance of
                any production or post-production facility, microwave, uplink,
                or downlink facility and/or any facility within the Network
                Distribution, -which is not solely within the control of
                Network. In addition, Network shall not be liable under any
                circumstances for: (i) libel, slander, infringement of
                copyright, invasion of privacy, disparagement or any other act
                or omission of FAC arising from or in connection with the
                inclusion or reception of the FAC Programming or any
                communication by FAC (which has the sole and absolute
                responsibility for the video production services and program
                material and content being produced for inclusion as FAC
                Programming);

                                       8
<PAGE>

                or (ii) unlawful or unauthorized use of Network's facilities or
                services by FAC or any agent, partner, employee or distributor.

            4.7 IN NO EVENT SHALL NETWORK OR FAC OR ANY AFFILIATE OF NETWORK OR
                FAC BE LIABLE FOR ANY EXEMPLARY OR PUNITIVE DAMAGES. IN NO EVENT
                SHALL ANY PROJECTIONS OR FORECASTS BY EITHER PARTY BE BINDING AS
                COMMITMENTS OR PROMISES.

         5. TERMINATION

            5.1 FAC may terminate this Agreement for any reason, with or without
                cause, upon ninety (90) days' written notice to Network. Network
                may terminate this Agreement for any reason, with or without
                cause, upon one hundred and eighty (180) days' written notice to
                FAC.

            5.2 This Agreement may be terminated by either Party (the "Affected
                Party"), upon the occurrence of any of the following with
                respect to the other party (the "Other Party"): (i) the Other
                Party commits a payment default which is not cured within ten
                (10) days of receipt of written notice from the Affected Party;
                or (ii) the Other Party defaults on any obligation or breaches
                any representation, warranty or covenant in this Agreement
                (regardless of whether breach or default of such obligation,
                representation.. warranty or covenant is designated as giving
                rise to a termination right), and such default or breach, if
                curable, is not cured within thirty (30) days of receipt of
                written notice from the Affected Party specifying the nature of
                the default or breach. The Parties agree that all obligations,
                representations, warranties and covenants contained in this
                Agreement, whether or not specifically designated as such, are
                material to the agreement of the Parties to enter into and
                continue this Agreement.

            5.3 If this Agreement terminates for any reason, then both Parties
                shall: (a) immediately discontinue all use of the trademarks
                associated with the other Party or (b) deliver to the other
                Party, all tangible things of every kind in possession or
                control of such Party that bear any of the other Party's
                trademarks; and (c) FAC shall pay all sums due Network and/or
                Network shall refund any amount due FAC within twenty (20) days
                based upon the services rendered and sums paid to termination.

         6. INSURANCE. Throughout the Term, FAC, at its own expense, shall
procure and maintain with a reputable insurance carrier, a standard broadcast
liability insurance policy (including errors and omissions coverage typical for
such policies and transactions of this type) with a limit of liability of not
less than S3,000.,000.00. FAC shall name Network as on additional insured and
provide evidence of such upon written request from Network- Further. FAC shall
immediately notify Network of the cancellation or substantial modification of
such policy and/or policies.

                                       9
<PAGE>

         7. Notices. All notices and other communications hereunder shall be in
writing and will be deemed received upon actually being received if personally
delivered, when successful transmission has been confirmed if sent by facsimile,
after the first business day if dispatched by overnight courier service., or at
the end of die third business day after being deposited in the U.S. mails;
provided that all notices and other communications shall be addressed to the;
other Party substantially as follows:

If to Network:                      America's Voice, Inc.
                                    Attention: Mr. Bob Sutton, Chairman & CEO
                                    717 Second Street, N. E.
                                    Washington, D.C. 20002
                                    Facsimile: (202) 546-0182

If to FAC:                          Fifth Avenue Channel
                                    Attention: Mr. Mel Rosen, President
                                    3957 NE 163"` Street
                                    North Miami, FL 33160
                                    Facsimile; (305) 919-8154

                                    With a courtesy copy to:

                                    Fifth Avenue Channel
                                    Attention: Mr. Adam Taylor
                                    3957 NE 163rd Street
                                    North Miami, FL 33160
                                    Facsimile: (305) 919-8154

         Copies of any and all notices and communications hereunder shall be
forwarded to. the Agency of Record as follows:

                                    Turner Group, Inc.
                                    Attention, Mrs. Staci Turner,
                                    Vice President & CFO
                                    2100 Downing Street
                                    Denver, CO  80205
                                    Facsimile. (303) 839-5303

         8. RELATIONSHIP OF PARTIES. Nothing herein shall be deemed to create,
and the Parties do not intend to create any relationship of partners or joint
venturers as between themselves or any "affiliate" relationship between Network
and FAC.

         9. FORCE MAJEURE. Neither Party will be liable to the other Party under
(be terms of this Agreement for any delay or failure to perform, when such delay
or failure is due IX) any cause beyond the control of the Party for whose
performance is so affected, including, without limitation, act of God or of the
public enemy, acts of any local, county, state, federal or other government and
it sovereign or contractual capacity, fire, floods, adverse weather conditions
(including but not limited to solar flares or sun outages with respect to
satellite transmission interference), sabotage, acts of terrorism, acts of third
parties, strikes, freight

                                       10
<PAGE>

embargoes, whole or partial satellite malfunctions, or uplink failure (each, a
"Force Majeure Event"). FAC shall not be liable for any Fees during any Force
Majeure Event that prevents display of FAC programming to Subscribers during the
Scheduled Time. Any Party who suffers a loss from any Force Majeure Event will
use their best efforts to immediately cure the condition, which prevents their
performance. If for reasons beyond its control any Party to this Agreement
cannot satisfy its contractual obligations for even consecutive days or 15 days
within each calendar quarter, the other Party may cancel the Agreement upon 15
days' written notice. For purposes of this Agreement, the Parties have agreed
that a substantial reduction (e.g. 50% or more) to the number of Subscribers;
able to receive Network Programming detailed in Exhibit A, shall in fact
constitute a Force Majeure Event thereby subjecting this Agreement to
cancellation by FAC upon 15 day's written notice to Network.

         10. JURISDICTION. This Agreement shall be governed and construed in
accordance with the laws of Washington, D.C., except that any conflict of law
rule of that jurisdiction that may require reference to the laws of some other
jurisdiction shall be disregarded. Exclusive jurisdiction for all disputes
under, or relating to this Agreement shall be in the county, state or federal
courts located within Washington D.C. The Parties consent to the in personam
jurisdiction of said courts for the purposes of any such litigation. Should any
litigation be commenced between the Parties to enforce or interpret this,
Agreement, or the right and duties of either Party in relation thereto, the
Party prevailing in such litigation shall be entitled, in addition to such other
relief as may be granted, to a reasonable sum as and for attorneys' fees which
shall be determined by the Court in such litigation or in a separate action
brought for that purpose.

         11. MISCELLANEOUS

            11.1  Neither Party shall assign its interest in or obligations
                  under this Agreement without the prior written consent of the
                  other Party, such consent not to unreasonably withheld.

            11.2  Any waiver by either Party of any term of condition of this
                  Agreement shall not be deemed or construed as a continuing
                  waiver or a waiver of any subsequent breach.

            11.3  Any provision of this Agreement which logically would be
                  expected to survive termination or expiration, shall survive
                  for a time period reasonable under the circumstances, whether
                  or not such survival is specifically provided for elsewhere in
                  this Agreement.

            11.4  This Agreement may be executed in several counterparts, each
                  of which shall be deemed an original, but an of which together
                  shall constitute one and the same instrument.

            11.5  The terms, conditions and exhibits of this Agreement, will be
                  kept confidential by the Parties and will not be disclosed by
                  either Party to any third party, except (a) as may be required
                  by any court order, governmental agency or federal, state or
                  local law, statute or regulation,

                                       11
<PAGE>

                  (b) to a Party's accountants, auditors, agents, legal counsel
                  and parent companies, and (c) in the normal mid ordinary
                  course of business (e.g. to qualified prospective lenders and
                  investors), provided that the disclosing Party shall use
                  commercially reasonable efforts to ensure that the person(s)
                  to whom such disclosures are made shall keep such terms and
                  conditions confidential. The foregoing confidentiality
                  obligations will survive termination or expiration of this
                  Agreement for three (3) years.

            11.6  This Agreement may not be modified except by written
                  instrument, executed by both Parties.

            11.7  The invalidity or unenforceability of any provision of this
                  Agreement shall not affect the validity or enforceability of
                  any other provision thereof.

            11.8  The section and other headings contained in this Agreement are
                  for reference purposes only and shall not affect the meaning
                  or interpretation of the Agreement.

            11.9  The Parties acknowledge that Network has filed for protection
                  under the provisions of Chapter 11 of the United States
                  Bankruptcy Code and that this Agreement may or may not be
                  subject to rules, jurisdiction and approval of the United
                  States Bankruptcy Court or approval by a Bankruptcy Trustee.

            11.10 The obligations of the Parties hereto shall be subject to
                  obtaining and maintaining all necessary regulatory and other
                  governmental approvals and authorizations, including any
                  required by the U.S. Federal Communications Commission.

            11.11 Network has agreed that should, at any time throughout the
                  Term, Network finds itself unable to perform under any
                  separate agreement relating to participants of the Network
                  Distribution, Network will provide as much advance notice as
                  is practicable under the circumstances to FAC and further
                  grant FAC the option to full-fill Network's obligations under
                  such agreements with terms and conditions relative thereto to
                  be negotiated under separate agreement.

            11.12 This Agreement sets forth the entire understanding of the
                  Parties with respect to the subject matter hereof and
                  supersedes all prior understandings and agreements, oral or
                  written, between them.

                                       12
<PAGE>

         IN WITNESS WHEREOF, the Parties have duly executed this Agreement as of
the date first set forth above.

AMERICA'S VOICE, INC.                     FIFTH AVENUE CHANNEL

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

                                       13

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