Document:

Exhibit 10.1

                              FIRST MARINER BANCORP
                        2003 EMPLOYEE STOCK PURCHASE PLAN

          1.  Purpose.  The purpose of this 2003  EMPLOYEE  STOCK  PURCHASE PLAN
("Plan")  is to provide all  eligible  employees  of FIRST  MARINER  BANCORP,  a
Maryland corporation,  and its participating subsidiaries (collectively referred
to as the  "Company")  with an opportunity to acquire an interest in the Company
through  the  ownership  of  shares of common  stock,  par value  $.05 per share
("Common Stock") of the Company through payroll deductions. The Plan is intended
to permit eligible  employees to acquire or increase their proprietary  interest
in the growth and success of the Company, and to encourage them to remain in the
employ of the Company.

          2.  Administration.  The Plan shall be  administered  by the Company's
Compensation Committee (the "Committee").  Subject to the provisions of the Plan
and  applicable  law, the  Committee is  authorized to interpret the Plan and to
prescribe,  amend and rescind rules and regulations  relating to the Plan and to
any options granted thereunder,  and to make all other determinations  necessary
or advisable for the administration of the Plan. These  determinations  shall be
final and binding upon all persons unless  otherwise  determined by the Board of
Directors (the "Board").  A quorum of the Committee  shall consist of a majority
of its members.  The Committee may act by vote of a majority of its members at a
meeting at which a quorum is  present;  or without a meeting if written  consent
setting  forth  the  action  taken is signed by all  members  of the  Committee.
Members of the Committee  shall not be permitted to  participate in the Plan. No
member of the  Committee  shall  vote upon or decide any  matter  relating  to a
member of his or her  immediate  family or to any rights or benefits of a member
of his immediate  family under the Plan. No member of the Board or the Committee
shall be liable for any action or determination  made in good faith with respect
to the Plan or any option granted under it.

          3. Options Restricted to Employees. The options granted under the Plan
shall only be granted to eligible  employees of the Company or its participating
subsidiaries  to  purchase  shares  of the  Company's  Common  Stock.  The  term
"participating  subsidiary"  shall mean any  subsidiary  of the Company  that is
designated  by a resolution  of the Board of the Company to  participate  in the
plan.

          4. Limitation on Aggregate Shares; Adjustments.

              (a) Shares  Reserved.  The Company has reserved  100,000 shares of
Common  Stock,  par value $.05 per share,  for  issuance  upon the  exercise  of
options  granted under the Plan,  subject to adjustment as set forth below.  The
Company may use  authorized,  unissued  shares to fund the Plan. The Company may
also  repurchase  outstanding  shares,  including  shares  purchased in the open
market, upon such terms as the Company may approve, for delivery under the Plan.
The maximum number of shares of the Company's Common Stock available for sale in
any offering  period will be  established  by the  Committee  from time to time,
prior to an offering  period for all options to be granted  during such offering
period,  subject to adjustment  pursuant to this Section.  If any option granted
under the Plan shall terminate, be forfeited or expire unexercised,  in whole or
in part,  the shares so  released  from such  option may be made the  subject of
additional  options  granted under the Plan.  The Company shall reserve and keep
available  such  number  of  shares  as will  satisfy  the  requirements  of all
outstanding options granted under the Plan.

              (b) Adjustments Upon Changes in Capitalization. If the outstanding
shares of Common Stock of the Company  shall at any time be changed or exchanged
by  declaration  of a  stock  dividend,  stock  split,  combination  of  shares,
recapitalization,  merger,  consolidation or other corporate  reorganization  in
which the Company is the  surviving  corporation,  the number and kind of shares
subject to this Plan  (including  shares  reserved  under this Plan,  subject to
options granted  hereunder or credited or issued to Participants  hereunder) and

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option prices shall be  appropriately  and equitably  adjusted so as to maintain
the  proportionate  number of shares  without  changing the  aggregate  purchase
price. The determination of the Committee as to the terms of any such adjustment
shall be conclusive.

              (c)  Adjustments  Upon   Dissolution,   Liquidation  or  Corporate
Reorganization.  In the event of a dissolution or liquidation of the Company, or
a merger,  consolidation,  sale of all or  substantially  all of its assets,  or
other  corporate  reorganization  in  which  the  Company  is not the  surviving
corporation, or any merger in which the Company is the surviving corporation but
the holders of its Common Stock receive securities of another  corporation,  any
outstanding   options   hereunder   shall  terminate  and  the  amount  in  each
participating employee's account shall be refunded. The existence of the Plan or
options hereunder shall not in any way prevent any transaction  described herein
and no holder of any option shall have the right to prevent such transaction.

          5. Participation.

              (a) Eligibility.  All full-time  regular  employees of the Company
and its participating subsidiaries with 30 days or more of continuous employment
with the  Company  and/or its  participating  subsidiaries  will be  eligible to
participate in the Plan (a "Participant"). The term "full-time regular employee"
includes  persons  whose  customary  employment  with the Company is at least 20
hours per week and more than five months per calendar  year. For purposes of the
Plan, the employment  relationship  shall be treated as continuing  intact while
the  individual  is on sick  leave or other  leave of  absence  approved  by the
Company. Where the period of leave exceeds 90 days and the individual's right to
reemployment is not guaranteed either by statute or by contract,  the employment
relationship  shall be deemed to have  terminated on the 91st day of such leave.
No member of the Board who is not an employee of the Company or a subsidiary  or
who is a member of the Committee will be eligible to participate.

              (b) Ownership Limitations. No Participant may be granted an option
to purchase  shares under the Plan if such  Participant,  immediately  after the
option is granted, owns stock possessing 5% or more of the total combined voting
power or value of all  classes of stock of the  Company or any  subsidiary.  For
purposes  of the  preceding  sentence,  the rules of Section  424(d) of the Code
shall apply in determining the stock  ownership of an employee,  and stock which
the employee may purchase  under  outstanding  options shall be treated as stock
owned by the Participant.

              (c) Annual Dollar Limitations.  No Participant shall be granted an
option which  permits his or her right to purchase  shares under this Plan,  and
any other stock purchase plan of the Company,  to accrue at a rate which exceeds
$25,000 of fair market value of such stock  (determined  at the time such option
is granted) for each  calendar year in which such option is  outstanding  at any
time.

          6. Payment Periods. Each bi-weekly pay period,  commencing each Sunday
and ending the following  Saturday two weeks later is a "Payment  Period" during
which payroll  deductions will be accumulated under the Plan. The Committee,  in
its  discretion,  may  establish  other Payment  Periods for certain  designated
classes of Participants.

          7. Election to Participate.

              (a)  Authorization  Form.  An  eligible  employee  may enroll as a
Participant  in the Plan at any time by  completing  and  forwarding  a  payroll
deduction  authorization form to the Company.  The form will authorize automatic
payroll  deductions for each pay period commencing on the Offering  Commencement
Date (as defined below) next succeeding receipt of the authorization form by the
Company,  and continuing  until (i) the  Participant  changes the amount of such
payroll  deductions  pursuant to Section 7(c); (ii) the  Participant  becomes an

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ineligible  employee or withdraws from  participation  from the Plan pursuant to
Section 8; (iii) the Plan is suspended or terminated  pursuant to Section 24; or
(iv) the  Committee  otherwise  determines.  The form will  state the  amount of
salary or wages to be deducted  regularly  from the  Participant's  pay and will
authorize the purchase of stock for the employee in accordance with the terms of
the Plan. The authorization  form will contain an undertaking by the Participant
to notify the Company in the event that the  Participant  disposes of any shares
purchased  under the Plan within two years after the date of the granting of the
option  to  purchase  such  shares  or one  year  after  the  date of  purchase.
Enrollment  will become  effective as soon as  practicable  after the  Company's
receipt of the  authorization  form.  The Offering  Commencement  Date means the
first  business  day  of the  calendar  quarter  applicable  to an  offering  to
Participants of options to purchase shares (an "Offering").

              (b)  Payroll   Deductions.   The  Company  will  maintain  payroll
deduction  accounts  for  all  Participants.  No  interest  will be paid on such
accounts.  A Participant may authorize payroll  deductions not less than $10 per
Payment  Period but not more than $250 per Payment  Period or a lesser amount if
so determined by the Committee during a Payment Period.

              (c) Changes in Payroll  Deductions.  A Participant may at any time
(but in no event  more than twice  during the any  calendar  year)  increase  or
decrease the Participant's  payroll deduction by completing and forwarding a new
payroll  deduction  authorization  form to the Company in  accordance  with this
Section  7. The change may not become  effective  sooner  than the next  Payment
Period after the Company's receipt of the form.

          8. Withdrawal from the Plan. A Participant may withdraw from the Plan,
in whole but not in part,  by  submitting  written  notice of  withdrawal to the
payroll department. As soon as practicable following receipt of such notice, the
Company will refund to the  Participant  the entire cash balance  accumulated in
the Participant's  account and will issue to the Participant a stock certificate
representing the number of full shares credited to his or her account.

          9. Grant of Options.

              (a)  Quarterly  Offerings.   The  Plan  shall  be  implemented  by
Offerings to Participants of options to purchase shares. Offerings shall be made
each calendar quarter. Each Offering shall commence on the Offering Commencement
Date and  shall  terminate  on the last  business  day of the  calendar  quarter
applicable to the Offering (the "Offering  Termination  Date").  Offerings shall
continue  to be made under the Plan until the later of (i) the date the  maximum
number of shares identified in Section 4 has been purchased  pursuant to Options
granted  hereunder,  or (ii) the Plan is  terminated  or  suspended  pursuant to
Section  24.  The  Committee  shall  have the power to change  the  duration  of
Offerings  (including  the  commencement  dates  thereof) with respect to future
Offerings,  without shareholder  approval,  if such change is announced at least
two (2) days  prior to the  scheduled  beginning  of the  first  Offering  to be
affected thereafter.

              (b) Granting of Options. On the Offering Commencement Date of each
Offering Period, each Participant shall be granted an option to purchase on each
Offering  Termination  Date  during  such  Offering  Period a number  of  shares
determined  by  dividing  such  Participant's   accumulated  payroll  deductions
credited to the Participant's account as of the Offering Termination Date by the
Exercise  Price  specified in Section 9(c) below,  provided  that such  purchase
shall be subject to the  limitations  set forth in Sections 5(b) and (c) hereof.
An option granted under this Plan shall not result in income upon the receipt of
the shares subject to the option to the extent that the Participant  (other than
the Participant's  estate where the Participant is deceased) does not dispose of
the shares (i) two years from and after the date the option is granted, and (ii)
one year after the date the shares are issued to the Participant.

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              (c) Exercise Price . The exercise  price for each share  purchased
under this Plan will not be less than 90% of the fair market value of the Common
Stock on the Offering Termination Date ("Exercise Price"). The fair market value
of the Common  Stock on a given date shall be  determined  by the  Committee  as
follows:  If the Common Stock is listed on an  established  national or regional
stock  exchange,  is quoted on a quotation  system of the Nasdaq  Stock  Market,
Inc., or is publicly traded in an established securities market, the fair market
value shall be the closing  price of the Common Stock on such exchange or system
or in such market (the highest such closing price if there is more than one such
exchange or market) on such date or, if such date was not a trading date, on the
trading  date  immediately  preceding  the such  date  (or,  if there is no such
closing price, then the Committee shall use the mean between the highest bid and
the lowest  asked  prices or between the high and low prices on such  date).  If
there is no established  market for the Common Stock, then the fair market value
shall be established by the Committee in good faith.

          10.  Exercise of Options and Purchase of Shares.  Unless a Participant
withdraws from the Plan as provided in Section 8 hereof,  or except as otherwise
provided in the Plan or  determined  by the  Committee,  an option  granted to a
Participant  hereunder shall be deemed to have been exercised  automatically  on
the Offering  Termination Date applicable to such option. Such exercise shall be
for the purchase,  on or as soon as practicable  after the Offering  Termination
Date,  of the number of full  shares  that the  accumulated  payroll  deductions
credited to the Participant's  account as of the Offering  Termination Date will
purchase at the  applicable  Exercise  Price (but not in excess of the number of
shares  for which an Option  has been  granted to the  Participant  pursuant  to
Section  9). The  Participant's  account  shall be charged for the amount of the
purchase,  and the  Participant's  ownership  of the shares  purchased  shall be
appropriately evidenced on the books of the Company.  Subsequent shares, if any,
covered by the Participant's  option will be purchased in the same manner on the
next Offering  Termination  Date,  whenever  sufficient funds to purchase one or
more full shares have again  accumulated in the  Participant's  account.  If the
total  number  of  shares  for  which  options  are  exercised  on any  Offering
Termination  Date exceeds the maximum number of shares  reserved under the Plan,
the available  shares shall be allocated by the Committee among  Participants in
such manner as it deems equitable.

          11. Restrictions.

              (a) Rights Not Transferable.  No option shall be transferable by a
Participant other than by will and the laws of descent and distribution. Options
shall be exercisable only by the Participant during his or her lifetime and only
in the  manner  set  forth  herein.  Options  may not be  assigned,  pledged  or
hypothecated,  and shall not be  subject  to  execution,  attachment  or similar
process.

              (b)  Other  Restrictions.  The  Company's  obligation  to sell and
deliver  shares  under this Plan is subject to  compliance  with all  applicable
state and federal laws and  regulations,  compliance with the rules of any stock
exchange or quotation  service (such as the Nasdaq National Market) on which the
Company's  securities  may be listed,  and  approval  of such  federal and state
authorities or agencies as may have jurisdiction over the Plan or the Company.

          12. Participants' Accounts.

              (a) Accounts.  The Company  shall cause to be  maintained  payroll
deduction  accounts  for  all  Participants.  Payroll  deductions  made  from  a
Participant's  compensation shall be credited to the Participant's  account, and
shall be applied for the purchase of shares  pursuant to Section 10. No interest
shall be paid or allowed on any payroll  deductions  credited to a Participant's
account. At the time of purchase, each Participant will immediately acquire full
beneficial  ownership of all shares purchased for his or her account. All shares
will be registered  in the name of a nominee for the account of the  Participant
until delivery is requested.  Stock  certificates will be issued to Participants

<PAGE>

only  upon  their  request  or at the  time  of  termination  of the  Plan  or a
Participant's  withdrawal from the Plan or termination of  participation  in the
Plan pursuant to Section 14 hereof.  Stock  certificates  will be issued only in
the name of the Participant as it appears on the Participant's payroll deduction
authorization  form, or in the  Participant's  name jointly with a member of the
Participant's  family, with right of survivorship.  A Participant who requests a
stock certificate prior to termination of the Plan or upon his or her withdrawal
from the Plan or termination of  participation  in the Plan may not receive such
stock  certificate  until such time as his or her  account is  credited  with at
least 50 full shares,  and may not in any event receive more than one full stock
certificate in any calendar quarter.

              (b)  Quarterly   Statements.   Each  Participant  will  receive  a
quarterly statement from the Company as soon as practicable following the end of
each Offering. The statement will reflect the total amount of deductions for the
Participant's  account during such Offering period, the purchase prices, and the
amount of cash held at the end of the period.

              (c)  Notices to  Stockholders.  The Company  will  deliver to each
Participant  as promptly as  practicable  by mail or  otherwise,  all notices of
meetings, proxy statements and other materials distributed by the Company to its
stockholders.  There  will  be no  charge  to  Participants  for  the  Company's
retention or delivery of stock  certificates,  or in  connection  with  notices,
proxies or other such material.

          13.  Rights as a  Stockholder.  None of the rights or  privileges of a
stockholder  of the Company shall exist with respect to shares  purchased  under
this Plan unless and until a stock  certificate  representing  such shares shall
have been issued to the nominee for each Participant employee or directly to the
Participant.  In the case of shares held in the name of the nominee holder, such
rights and  privileges  shall  only inure  indirectly  to the  Participant  as a
beneficial  owner, and the Company shall be entitled to treat the nominee as the
record owner of such shares.

          14.  Rights on  Retirement,  Death or  Termination  of  Employment.  A
Participant's  participation  in the Plan shall terminate  immediately upon such
Participant's  retirement,  death,  or  termination  of  employment.  No payroll
deduction  shall be taken  from any pay due and owing to a  Participant  at such
time,  and  the  balance  in the  Participant's  account  shall  be  paid to the
Participant or, in the event of the  Participant's  death, to the  Participant's
estate or (with respect to a  Participant  who opened a joint account with right
of survivorship) to the Participant's  survivor, or to a designated beneficiary,
as set forth in Section 15 hereof.

          15.  Designation  of  Beneficiary.  A  Participant  may file a written
designation of beneficiary with respect to a person who is to receive any shares
and/or cash that such  Participant  would be  entitled  to under the Plan.  Such
designation  of  beneficiary  may be changed by the  Participant  at any time by
written notice to the Company.  Upon the death of a Participant and upon receipt
by the Company of proof of identity and existence at the Participant's  death of
a beneficiary  validly designated by the Participant under the Plan, the Company
shall deliver such shares and/or cash to such beneficiary. No beneficiary shall,
prior to the  death of the  Participant  by whom he or she has been  designated,
acquire any interest in the shares or cash credited to the Participant under the
Plan.

          16.  Withholding.  The  Committee  shall  have the  right to make such
provisions as it deems  appropriate  to satisfy any obligation of the Company to
withhold federal, state or local income or other taxes incurred by reason of the
operation of the Plan.

          17. Application of Funds. All payroll  deductions  received or held by
the  Company  under  this Plan may be used for any  corporate  purpose,  and the
Company shall not be obligated to segregate such payroll deductions.

<PAGE>

          18.  Expenses  Related to the Plan. The Company will bear all costs of
administering and carrying out the Plan.

          19. No Employment  Rights.  The Plan does not, directly or indirectly,
create  any right for the  benefit of any  employee  or class of  employment  to
purchase  any  shares  under the Plan,  or  create in any  employee  or class of
employees any right with respect to  continuation  of employment by the Company,
and it shall not be deemed to interfere in any way with the  Company's  right to
terminate, or otherwise modify, an employee's employment at any time

          20.  Share  Certificates.   Certificates  representing  shares  issued
pursuant to the Plan which have not been registered  under the Securities Act of
1933 shall bear a legend to the following effect:

              "The  shares   represented  by  this  certificate  have  not  been
              registered  under  the  Securities  Act  of  1933  and  any  state
              securities laws, and may not be assigned, transferred,  pledged or
              otherwise   disposed   of   without   registration   except   upon
              presentation  of  evidence  satisfactory  to the  Company  that an
              exemption from registration is available."

          21. Registration.  If the Company shall be advised by its counsel that
shares  deliverable upon any exercise of an option are required to be registered
under the Securities Act of 1933, or that the consent of any other  authority is
required for their issuance,  the Company may effect such registration or obtain
such  consent,  and delivery of the shares by the Company may be deferred  until
registration is effected or consent obtained.

          22.  Qualified  Plan.  It is the  intention of the Company to have the
Plan  qualify as an  "Employee  Stock  Purchase  Plan" under  Section 423 of the
Internal  Revenue Code of 1986, as amended (the "Code").  The provisions of this
Plan shall, accordingly, be construed so as to extend and limit participation in
a manner consistent with the requirements of that section of the Code.

          23.  Amendment of the Plan. The Board of Directors may at any time, or
from time to time,  amend  this Plan in any  respect;  provided,  however,  that
without the prior  approval of the holders of a majority of the shares of Common
Stock of the  Company  then issued and  outstanding  and  entitled  to vote,  no
amendment  shall be made (i)  increasing  or  decreasing  the  number  of shares
approved  for this Plan (other  than as provided in Section 4), (ii)  materially
modifying the eligibility  requirements  for  participation  in the Plan,  (iii)
materially  increasing the benefits accruing to Participants  under the Plan, or
(iv) amending the Plan in any manner which will cause options issued under it to
fail to meet the requirements of an "employee stock purchase plan" as defined in
Section 423 of the Internal Revenue Code.

          24.  Termination or Suspension.  The Committee shall have the power at
any time to terminate or suspend the Plan and all rights of  Participants  under
the  Plan.  Upon  termination  of this  Plan  all  amounts  in the  accounts  of
Participants  not applied to the purchase of shares  hereunder shall be promptly
refunded.

          25. Term of Plan; Effective Date. The Plan shall become effective upon
its adoption by the Board,  subject to approval of the Plan by the  stockholders
of the Company within 12 months of the date the Plan was adopted.  Unless sooner
terminated  by the  Board,  the Plan shall  continue  in effect for a term of 10
years.

          26.  Governing  Law. The law of the State of Maryland  will govern all
matters relating to the Plan,  except to the extent it is superseded by the laws
of the United States.

<PAGE>

          The  undersigned,  who is the duly elected Chief Financial  Officer of
the Company,  hereby  certifies that, this 2003 Employee Stock Purchase Plan was
approved by the Board of  Directors  of the Company and became  effective  as of
July 1, 2003.

                                        FIRST MARINER BANCORP

                                    By: /s/ Mark Keidel
                                        ----------------------------------------
                                        Mark Keidel
                                        Chief Financial OfficerEXHIBIT 10.1

                              CONSULTING AGREEMENT

THIS  CONSULTING  AGREEMENT (the "Agreement") is entered into on March 10, 2004,
                                  ---------
by  and  between  CALYPSO  WIRELESS,  INC.,  a  Delaware corporation having it's
principal  offices  at  5753 NW 158 Street, Miami Lakes, FL. 33014 ("Calypso" or
                                                                     -------
"Company"),  and  SEARS  &  CRAWFORD,  L.L.P.,  a  Texas corporation having it's
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principal  offices  at  300  Fannin  Street,  Suite  300,  Houston,  Texas 77002
(Consultant").
  ---------

                                    RECITALS

     A.     Calypso  is  in  the  process  of  recovering  from  VoiceTech
Communications  Corporation,  USA.,  certificate  number:  NU45709  representing
1,000,000  (one  million) shares of stock of Calypso Wireless, Inc., and desires
to  retain  the  services  of  Consultant to assist Calypso in connection of the
recovery  of  the  mentioned  stock.

     B.     Consultant  represents  to  Calypso  that  he  has the expertise and
experience to render the consulting services related to the Business of Calypso.

                                    AGREEMENT

     Therefore,  in  consideration  of  the  mutual  promises,  covenants  and
conditions  set forth herein, and for other good and valuable consideration, the
receipt  and  sufficiency  of which is hereby acknowledged, the parties agree as
follows:

1.   Consulting Services.  During the term of this Agreement, Consultant shall
     -------------------
provide  Company  with  the  following  consulting  services  (the  "Services"):
                                                                     --------

     (a)  Assist  Company  in connection with preparation and filling a law suit
          for  the  recovery  from  VoiceTech  Communications Corporation, USA.,
          certificate  number:  NU45709  representing  1,000,000  (one  million)
          shares  of  stock  of  Calypso  Wireless,  Inc.

     Consultant  shall  not  negotiate  or enter into any contract, agreement or
understanding with any third-parties on behalf of Company.  Consultant shall not
be  required  to  perform  a  minimum  number  of  hours  of services under this
Agreement,  yet  Consultant  shall  provide  her/his  good faith best efforts to
provide  the  requisite time and effort to help Company achieve its business and
marketing  plans.  Calypso  recognizes  and agrees that Consultant is engaged in
several  business  activities  independent  of  the  Services.

2.   Consulting  Fee
     ---------------

     In  consideration  of  the  Services to be rendered by Consultant as agreed
     between  Consultant  and  Calypso  on  "Contract  of  Employment" signed on
     February  10,  2004,  Calypso  shall  remunerate  Consultant  by  granting
     Consultant  two  hundred  thousand  (200,000)  free  trading  S-8 shares of
     Calypso  Wireless, Inc., common stock $0.10 (CLYW) par value per share (the
     "Common Stock"), subject to the terms and conditions of this Agreement. The
     shares  will  be  forwarded  to  Consultant as requested from Consultant on
     three  certificates  as  follow:  66,600  (sixty  six thousand six hundred)
     shares  to ROSS SEARS, 58,400 (fifty eight thousand four hundred) shares to
     JAMES  C.  CRAWFORD  and  75,000  (seventy five thousand) shares to ROSS A.
     SEARS  II,  as soon as reasonably possible after the completion of the term
     of  this  agreement.

<PAGE>
3.   Securities  Representations.  Consultant  hereby  represents  that:
     ---------------------------

     3.1     Consultant  is  an  "Accredited  Investor," as such term is defined
under  Rule  501  of  Regulation  D  of  the Securities Act of 1933, as amended;

     3.2     Consultant  has  discussed  with  Company's management the business
plans  for  the  Company;

     3.3     Consultant  has  had  the opportunity to question the principals of
Company  as to all matters which he deems material and relevant to his decision,
if  applicable,  to  purchase  the  Company's  Common  Stock,  and  has  had the
opportunity to obtain any and all additional information necessary to verify the
accuracy of the information received or any other supplemental information which
he  deems  relevant  to  make  an  informed  investment  decision;  and

     3.4     Consultant  understands the risks of an investment in the Company's
Common Stock, and has consulted with an attorney and/or accountant to the extent
he  deemed  it  necessary  in  reviewing his acquisition of the Company's Common
Stock.

4.     Representations  and  Warranties  of Consultant.  In connection with this
       ------------------------------------------------
Consulting  Agreement,  Consultant  hereby represents, warrants and confirms the
following  understandings  to  the  Corporation  as  follows:

     4.1     Review  and  Evaluation  of  Information.  Consultant  (i) has been
             -----------------------------------------
provided  with  information  b.  concerning  the  formation  and organization of
Company  and the development of its business prospects to date, (ii) has had the
opportunity to inspect the assets of the Company and its business, corporate and
financial  records,  (iii) has had the opportunity to ask the Company's officers
and  directors  questions  about  the  Company's business, operations, financial
records  and  proposed  operations  as  well as the Company's current growth and
market  strategy,  (iv)  has  had  the  opportunity  to  review and evaluate all
information  provided  by  the  Company's  business  development and acquisition
prospects,  (v)  has had the opportunity to interview and independently evaluate
the  management  and  operations  personnel of the Company, and (vi) has had the
opportunity  to  obtain,  and  has obtained, all information required to form an
informed  independent  evaluation of the likelihood of the success or failure of
the  Company  and its proposed new business initiatives. Consultant has also had
the opportunity to ask questions about the Consulting Agreement and has obtained
such  additional  information  as  requested  to  the extent deemed necessary to
permit  full  evaluation of the merits and risks of an investment in the Shares.
In addition, Consultant has consulted with its investment, accounting, legal and
tax  advisors  as  it deemed necessary and appropriate in making his decision to
acquire  the  Shares.

     4.2     Forward-Looking  Information.  Consultant  understands  and  agrees
             -----------------------------
that  all  statements  contained  in  the  business  plans for the Company's new
business  initiatives,  other  than  statements  of  historical  fact,  such  as
statements  regarding  the  Company's  financial  projections,  estimated future
revenues,  net  income,  business  strategy  and plans and objectives for future
operations,  are Aforward-looking statements@.  These forward-looking statements
are  commonly  identified  by  the  use  of  phrases  as Aintends,@ Aestimates,@
Aexpects,@ Aprojects,@ Aanticipates,@ Aforeseeable future,@ Aseeks,@ Abelieves,@
and  Ascheduled@.  The  Company's  financial  projections  were  based  upon
assumptions  which  the  Company and/or its vendors believe to be reasonable but
which  have  not  been reviewed by any independent professional on behalf of the
Company.  Consultant acknowledges and agrees that there can be no assurance that
such  assumptions will be correct and that actual results will not be materially
different  from  those  set  forth  in  the  business plans for its new business
initiatives.

     4.3     Consultant  's  Financial  Experience.  Consultant  is sufficiently
             --------------------------------------
experienced  in  financial  and business matters to be capable of evaluating the
merits  and  risks  of  his  investment  in  the  Shares.

     4.4     Independent  Evaluation.  Consultant  acknowledges  that  its
             ------------------------
investment  is  being  made  based  upon his independent analysis, together with
assistance  from his investment, accounting, legal and tax advisors as he deemed
necessary  and  appropriate in making an investment decision with respect to the

<PAGE>
Shares, and that Consultant and its advisors are not relying upon any statement,
opinion,  conclusion, projection or other analysis of the Company or any Company
representative.

     4.5     Suitability  of  Investment.  Consultant  has been advised that the
             ----------------------------
Company  has  a  limited operating history and that its new business initiatives
are  undeveloped,  and  there  can be no assurance that the Company will ever be
profitable.  Consultant  has  evaluated  the  merits  and  risks of Consultant's
proposed  acquisition  of  the  Shares,  including  those  risks  particular  to
Consultant's  circumstances,  and has determined that the investment is suitable
for Consultant. Consultant has adequate financial resources for an investment of
this  character,  and  could  bear  a  complete loss of his investment. Further,
Consultant  will  continue  to have, after making his investment in the Company,
adequate  means  of  providing  for  its  current operations, the needs of those
dependent  on  Consultant,  and  its  possible  contingencies.

     4.6     Unregistered  Offering.  Consultant  and  its  Consultant
             -----------------------
Representative,  if  any, understands that the Shares not being registered under
the  Act  because the sale is exempt from registration under the Securities Act,
and  rules  and  regulations  promulgated  there  under, as a "transaction by an
issuer  not  involving  any  public  offering,"  and  pursuant  to certain other
exemptions, and that the availability of such exemptions is predicated, in part,
on  Consultant's  representations  and  warranties  contained in this Consulting
Agreement.  In the view of the Securities and Exchange Commission, the statutory
basis  for  the  exemption claimed by the Company in connection with the sale of
Shares would not be present if, notwithstanding Consultant's representations and
warranties,  Consultant  has  the intention of acquiring any such securities for
resale  upon  the  occurrence  or  nonoccurrence  of  some  predetermined event.

     4.7     Limited Market for the Shares. Consultant understands that there is
             -----------------------------
a  limited public market for the Shares, and that, as a result, an investment in
the  Company's  Common Stock may be highly illiquid.  Consultant may not be able
to  sell  its Shares readily or at all when it needs or desires to sell. Trading
in  the  Company's  Common  Stock  has  recently  been  reported in the National
Quotation  Bureau's  Pink  Sheets.  Consultant has been advised, however, that a
public  trading  market  having  the  characteristics  of  depth,  liquidity and
orderliness  depends upon the existence of market makers as well as the presence
of  willing  buyers  and sellers, which are circumstances over which the Company
does  not  have control.  There can be no assurance that the market will provide
significant liquidity for Consultant's sale of the Shares. Consultant can afford
to  hold  the  Shares  for  an  indefinite  period  of  time.

     4.8     Absence  of  Official  Evaluation.  Consultant  understands that no
             ----------------------------------
federal or state agency has made any finding or determination as to the fairness
of  the  terms  of  an  investment  in  the  Company,  nor any recommendation or
endorsement  of  an  acquisition  of  the  Shares.

     4.9     Residency.  Consultant's  residence or principal place of business,
             ----------
as  applicable,  is the country and state or other jurisdiction indicated below,
and Consultant's citizenship or jurisdiction of incorporation, as applicable, is
as  indicated  opposite  his  or  its  signature  to  this Consulting Agreement.
Consultant  has  no  intent of changing his residency, citizenship, or principal
office  to  any  other  country  or  state  or  jurisdiction.

     4.10     Consultant Information.  Consultant understands that acceptance of
              ----------------------
his  Consulting  Agreement  is  based,  in  part, on the information provided by
Consultant  to  the Company. Consultant represents that the information provided
by  Consultant is true, correct, and complete at the date hereof, and Consultant
agrees  to  notify  the  Company  immediately of any change in such information.
Consultant  understands that the information furnished is intended to enable the
Company  to  discharge  its responsibilities and that the Company will rely upon
such  information.

Consultant  understands  and agrees that, although the Company will use its best
efforts  to keep the information provided by purchaser strictly confidential, it
may  present  the  information  provided  to  it  to such parties as it may deem
advisable  if  called  upon  to  establish the availability under any federal or
state  securities  laws,  or if the contents hereof are relevant to any issue in

<PAGE>
any  action, suit or proceeding to which the Company is a party, or by which the
Company  is  or  may  be  bound.

     4.11     Nonreliance.  Consultant  is  not  relying  on  the Company or any
              ------------
legal  opinion  with respect to the tax and economic effect of his investment in
the  Company.

     4.12     Prohibitions  on  Cancellation,  Termination,  Revocation,
              ----------------------------------------------------------
Transferability,  and  Assignment.  Consultant  hereby  acknowledges  and agrees
           ----------------------
that,  except as may be specifically provided herein or by applicable law, it is
not entitled to cancel, terminate, or revoke this Consulting Agreement, and this
Consulting  Agreement  shall survive the death, dissolution or other termination
of  Consultant,  as  applicable,  and  any  transfer  of  the  Shares.

     4.13     Indemnification  of The Company and The Seller.  Consultant agrees
              -----------------------------------------------
to  indemnify and hold harmless the Company against any and all loss, liability,
claim,  damage,  and  expense whatsoever (including, but not limited to, any and
all  expenses  whatsoever,  including  attorneys'  fees,  reasonably incurred in
investigating,  preparing,  or  defending  against  any  litigation commenced or
threatened  or any claim whatsoever through all appeals) arising out of or based
upon  any false representation or warranty or breach or failure by Consultant to
comply  with any covenant or agreement made by Consultant herein or in any other
document  furnished  by Consultant in connection with this Consulting Agreement.

     4.14     State  Securities  Laws.  Consultant  received  this Agreement and
              ------------------------
first  learned  of  the  Consulting Agreement offer hereby in Miami.  Consultant
executed  and  will  execute  all  documents  contemplated  hereby in Miami, and
intends  that  the  laws  of  Florida  govern  this  Consulting  Agreement.

     4.15     Authority.  Consultant  has  the  capacity, power and authority to
              ----------
execute  this  Consulting  Agreement and perform it obligations hereunder.  This
Agreement  has  been duly executed and delivered by Consultant and (assuming the
due  execution  and  delivery hereof by the Corporation) constitutes a valid and
binding  obligation  of  Consultant enforceable against Consultant in accordance
with  its  terms.

5.     Representations  of  the  Corporation.  The Corporation hereby represents
       -------------------------------------
and warrants to Consultant that, upon the services rendered the Corporation will
issuance  and  delivery the Stock to Consultant in accordance with the terms and
conditions of this Agreement, the Stock will be duly authorized, validly issued,
fully  paid  and nonassessable; and Consultant will be the true and lawful owner
of  the  Stock,  and will hold such Stock free and clear of any and all security
interests,  liens,  claims,  options,  charges  or  other  legal  or  equitable
restrictions.

7.     Term.  The  term  of  this  Agreement (the "Initial Term") shall commence
       ----                                        ------------
(the  "Commencement Date") on the date the "Contract of Employment" was executed
       -----------------
on  February  10,  2004  and  shall  terminate on April 30, 2004, subject to the
provisions  of  Paragraph  12  hereof.

8.     Certain  Restrictive  Covenants:  Confidentiality;  Noncompetition;  Non
       ------------------------------------------------------------------------
Solicitation.
------------

     8.1.     Confidentiality.  Consultant  recognizes,  acknowledges and agrees
              ---------------
with  Company  that  he  will  not  at  any  time,  except in performance of her
obligations  to  Company hereunder or with the prior written consent of Company,
directly  or  indirectly,  reveal  to  any  person, entity or other organization
(other  than  Company,  or  its  employees, officers, directors, shareholders or
agents)  or use for her own benefit any information deemed to be confidential by
Company  or  any  of  its  subsidiaries  or  affiliates  (such  subsidiaries and
affiliates,  collectively  "Affiliates") ("Proprietary Information") relating to
                            ----------     -----------------------
the  assets, liabilities, employees, goodwill, business or affairs of Company or
any  of its Affiliates including, without limitation, any information concerning
past,  present  or  prospective  customers, technology, commercial and strategic
relationships,  marketing  data,  or  other  Proprietary Information used by, or
useful to, Company or any of its Affiliates and known (whether or not known with
the  knowledge and permission of Company or any of its Affiliates and whether or
not  at  any  time  prior  to  the date of this Agreement developed, devised, or
otherwise  created  in  whole  or  in  part  by  the  efforts  of Consultant) to

<PAGE>
Consultant  by  reason of performance of the Services, shareholdings in or other
association  with  Company  or any of its Affiliates.  Consultant further agrees
that  he  will  retain  all  copies  and  extracts  of  any  written Proprietary
Information  acquired  or developed by her during any such service, shareholding
or  association  in  trust  for  the sole benefit of Company, its Affiliates and
their  successors  and  assigns.  Consultant  further  agrees  that he will not,
without  the  prior written consent of Company, remove or take from Company's or
any  of its Affiliate's premises (or if previously removed or taken, he will, at
Company's  request,  promptly return) any written Proprietary Information or any
copies  or  extracts  thereof.  Upon  the request and at the expense of Company,
Consultant  shall  promptly  make  all  disclosures, execute all instruments and
papers  and perform all acts reasonably necessary to vest and confirm in Company
and  its Affiliates, fully and completely, all rights created or contemplated by
this  Section  8.1.  The  term  "Proprietary  Information"  shall  not  include
                                 ------------------------
information that is or becomes generally available to the public other than as a
result  of  a  disclosure  by,  or  at  the  direction  of,  Consultant.

     8.2.     Covenant  Not  to  Compete;  Nonsolicitation.  (a)  Consultant
              --------------------------------------------
recognizes, acknowledges and agrees with Company that, for so long as Consultant
renders  the  Services  to  Company and continuing for a period (the "Restricted
                                                                      ----------
Period")  equal to the greater of (i) one year following the termination of this
------
Agreement  for  any  reason  and  (ii) the remainder of the Initial Term and any
Renewal Term, as the case may be, he will not, without the prior written consent
of  Company,  directly or indirectly, and whether as principal or investor or as
an  employee,  officer,  director,  manager,  partner,  consultant,  agent  or
otherwise,  alone  or  in  association  with  any  other  person, firm, company,
corporation  or  other  business organization, carry on a Competing Business (as
hereinafter  defined)  in  any country in which Company or any of its Affiliates
has  engaged,  presently  engages,  or  will  engage  during  such  period, in a
Competing  Business  (including,  without  limitation,  any  area  in  which any
customer  of  Company  or  any  of  its  Affiliates  may  be  located).

          (b)     As a separate and independent covenant, Consultant agrees with
Company  that,  for  so  long  as Consultant renders the Services to Company and
continuing  for  the  Restricted  Period,  he  will  not in any way, directly or
indirectly  (except  in  the course of her performance of the Services), for the
purpose of conducting or engaging in any Competing Business, call upon, solicit,
advise  or  otherwise  do, or attempt to do, business with any person who is, or
was,  during  the then most recent 12-month period, a customer of Company or any
of  its  Affiliates,  or  take  away  or  interfere  or  attempt to take away or
interfere  with  any custom, trade, business, patronage or affairs of Company or
any of its Affiliates, or interfere with or attempt to interfere with any person
who  is,  or  was  during  the  then  most  recent 12-month period, an employee,
officer,  representative  or  agent  of  Company  or  any  of its Affiliates, or
solicit, induce, hire or attempt to solicit, induce or hire any of them to leave
the  employ  of  Company  or any of its Affiliates or violate the terms of their
contracts,  or  any  employment  arrangements,  with  it.

          (c)     For  purposes  of  this  Section 8.2, carrying on a "Competing
                                                                       ---------
Business"  means  operating  a  business  that competes with the Business of the
--------
Company or providing information pursuant thereto in a manner that competes with
Company or any of its Affiliates as of the date hereof or at any time thereafter
during  the  Restricted  Period,  and  any business that, in the judgment of the
Board, competes with or is reasonably expected to compete with Company or any of
its  Affiliates; provided, however, that nothing herein shall limit the right of
                 --------- -------
Consultant  to  own  not more than 1% of any of the debt or equity securities of
any  business  organization  that is then filing reports with the Securities and
Exchange  Commission  pursuant to Section 13 or 15(d) of the Securities Exchange
Act  of  1934.

     8.3.     Exclusive  Property.  Consultant  confirms  that  all  Proprietary
              -------------------
Information  is  and  shall  remain  the  exclusive  property of Company and its
Affiliates.  All  business  records,  papers  and  documents  kept  or  made  by
Consultant  relating to the Business of Company shall be and remain the property
of  Company  and  its  Affiliates.

     8.4.     Assignment  of  Inventions.  (a) If at any time or times prior to,
              --------------------------
during  the  term  of this Agreement or during the two-year period following the
termination  of  this  Agreement (either alone or with others) makes, conceives,
creates,  discovers, invents or reduces to practice any invention, modification,
discovery,  design, development, improvement, process, software program, work of
authorship,  documentation, formula, data, technique, know-how, trade secret, or

<PAGE>
intellectual  property  right whatsoever or any interest therein (whether or not
patentable  or  registrable  under  copyright,  trademark or similar statutes or
subject  to  analogous protection (each, an "Invention") that (i) relates to the
                                             ---------
Business  of  Company or any of its Affiliates or any customer of or supplier to
Company  or  any  of  its  Affiliates  or  any of the products or services being
developed, manufactured or sold by Company or any of its Affiliates or which may
be used in relation therewith; or (ii) results from tasks assigned to Consultant
by  Company  or any of its Affiliates; or (iii) results from the use of premises
or  personal  property  (whether  tangible  or  intangible)  owned,  leased  or
contracted for by Company or any of its Affiliates, then all such Inventions and
the  benefits  thereof  are  and  shall immediately become the sole and absolute
property  of  Company  and  its  assigns,  as  works made for hire or otherwise.

          Consultant  hereby  agrees  that he shall promptly disclose to Company
(or any persons designated by it) each such Invention. Consultant hereby assigns
all  rights (including, but not limited to, rights to any inventions, patentable
subject  matter,  copyrights  and  trademarks) he may have or may acquire in the
Inventions and all benefits and/or rights resulting therefore to Company and its
assigns  without  further  compensation  and  shall communicate, without cost or
delay,  and  without  disclosing  to  others the same, all available information
relating  thereto  (with  all  necessary  plans  and  models)  to  Company.

          (b)     Consultant hereby agrees to, during the term of this Agreement
and  at  any time thereafter, at the request and cost of Company, promptly sign,
execute,  make  and do all such deeds, documents, acts and things as Company and
its  duly  authorized  officers  may  reasonably  require:

     (i)       to  apply  for,  obtain, register and vest in the name of Company
     alone  (unless  the  Company  otherwise  directs)  patents,  copyrights,
     trademarks  or  other  analogous  protection  in any country throughout the
     world  relating to an Invention and when so obtained or vested to renew and
     restore  the  same;  and

     (ii)       to  defend  any  judicial,  opposition  or  other proceedings in
     respect  of  such  applications  and  any  judicial,  opposition  or  other
     proceedings,  petitions  or applications for revocation of any such patent,
     copyright,  trademark  or  other  analogous  protection.

          (c)     If  Company  is  unable,  after  reasonable  effort, to secure
Consultant's  signature  on  any application for patent, copyright, trademark or
other  analogous  registration or other documents regarding any legal protection
relating  to  an  Invention,  whether because of Consultant's physical or mental
incapacity  or  by  any  other  reason whatsoever, Consultant hereby irrevocably
designates  and  appoints Company and its duly authorized officers and agents as
her  agent  and  attorney-in-fact,  to  act  for  and in her behalf and stead to
execute  and file any such application or applications or other documents and to
do  all other lawfully permitted acts to further the prosecution and issuance of
patent,  copyright  or  trademark  registrations  or  any other legal protection
thereon  with  the  same  legal  force  and effect as if executed by Consultant.

     8.5.     Certain  Remedies.  Without  intending  to  limit  the  remedies
              -----------------
available  to Company and its Affiliates, Consultant agrees that a breach of any
of  the  covenants  contained  in  this  Section  8  may  result in material and
irreparable  injury  to Company or its Affiliates for which there is no adequate
remedy at law, that it will not be possible to measure damages for such injuries
precisely and that, in the event of such a breach or threat thereof, Company and
its  Affiliates  shall  be  entitled  to seek a temporary restraining order or a
preliminary  or  permanent  injunction, or both, without bond or other security,
restraining  Consultant from engaging in activities prohibited by this Section 8
or  such  other  relief  as  may  be required specifically to enforce any of the
covenants  in  this  Section  8.  Such  injunctive  relief in any court shall be
available  to  Company  and  its  Affiliates  in lieu of, or prior to or pending
determination  in,  any  arbitration  proceeding.

9.     Representations of Consultant.  Consultant hereby represents and warrants
       -----------------------------
to  Company that (i) he has the full, complete and entire right and authority to
enter  into  this  Agreement, (ii) the execution of this Agreement by Consultant
and the performance of Consultant's Services hereunder will not violate, or be a
breach of, any agreement, law or commitment or responsibility of any kind with a
former employer, client, or any other person or entity (whether government-owned
or  otherwise).

<PAGE>
     Consultant  has  and  will  continue  to truthfully disclose to Company the
following  matters,  whether  occurring,  at any time preceding the date of this
Agreement  or  at  any  time  during  the  term  of  this  Agreement:

     9.1.     any criminal complaint, indictment or criminal proceeding in which
Consultant  is  named  as  a  defendant;

     9.2.     any  allegation,  investigation,  or  proceeding,  whether
administrative,  civil  or criminal, against Employee by any licensing authority
or  industry  association;  and

     9.3.     any  allegation,  investigation  or  proceeding,  whether
administrative,  civil,  or  criminal,  against  Consultant  for  violating
professional  ethics  or  standards,  or  engaging  in illegal, immoral or other
misconduct  (of  any  nature  or  degree),  relating to the Business of Company.

10.     Independent  Contractor.  Neither  party  is  hereby  constituted  an
        -----------------------
employee,  agent or legal representative of the other party, except as expressly
set  forth  in  this  Agreement,  and  neither is granted any right or authority
hereunder  to  assume or create any obligation, expressed or implied, or to make
any  representation, covenant, warranty or guaranty, except as expressly granted
or  made  in  this  Agreement.  Nothing  contained  in  this  Agreement shall be
construed  as  to  constitute  Consultant  or  any  of  her employees, agents or
representatives  as  employees,  agents  or legal representatives of Company, it
being  intended  that  the  Consultant  is an independent contractor of Calypso.

11.     Arbitration.  Any  controversy  or  claim  arising out of or relating to
        -----------
this  Agreement,  or the breach thereof, shall be settled by binding arbitration
in  Miami-Dade  County,  Florida,  USA,  in  accordance  with  the  Commercial
Arbitration Rules of the American Arbitration Association, and judgment upon the
award rendered by the arbitrator may be entered in any court having jurisdiction
thereof.  The  arbitration shall be conducted in the English language before and
by  a  single  arbitrator  selected  by  the  parties.  If  the parties have not
selected  an  arbitrator within ten (10) days of written demand for arbitration,
the  arbitrator  shall  be  selected  by  the  American  Arbitration Association
pursuant  to  the  then  current  rules  of  that  Association.  The expenses of
arbitration shall be divided equally between the parties.  The duty to arbitrate
shall  survive  the  cancellation  or  termination  of  this  Agreement.

12.     Termination;  Effect  of  Termination.
        -------------------------------------

     12.1     Termination.  Either party may terminate this Agreement by written
              ------------
notification  to the other party by the terminating party at least 30 days prior
to  the  expected date of termination; or (ii) in the event of mutual agreement,
by  written  notification  of  each  party  to  the  other  acknowledging  same.

     12.2     No  Other  Compensation  or  Benefits.  Consultant  shall  have no
              -------------------------------------
further  right  to  receive  any  other  compensation  or  benefits  after  the
termination of this Agreement, except for vested accrued benefits as of the date
of  termination  as  determined  in  accordance  with  the terms of the employee
benefit  plans  or  programs  of  Company  or  as  required  by  law.

13.     Miscellaneous  Provisions.
        -------------------------

     13.1     This  Agreement  will be governed by and construed and enforced in
accordance  with  the  laws  of  the  State  of  Florida.

     13.2     This  Agreement  will  be binding upon and will operate solely for
the  benefit  of  the  parties  to  this  Agreement.  This  Agreement may not be
assigned  by  any  party without the prior written consent of all of the parties
hereto,  provided  however, that notwithstanding the foregoing, Calypso shall be
entitled  to assign this Agreement to its potential successor interest including
any  non-U.S.  entity  without  the  consent  of  Consultant.

     13.3     This  Agreement contains the entire agreement of the parties as to
the  matters  set  forth  herein.  This  Agreement  cannot  be altered, amended,
supplemented or modified except by an instrument in writing signed by all of the
parties  to  this  Agreement.

<PAGE>
     13.4     The  invalidity or unenforceability of any particular provision of
this  Agreement  will not affect the other provisions of this Agreement, and the
Agreement  will be construed in all respects as if such invalid or unenforceable
provisions  were  omitted.

     13.5     This  Agreement  may be executed in one or more counterparts, each
of  which  will be deemed an original and all of which together shall constitute
one  agreement.

     13.6     This Agreement may be executed by facsimile signature and any such
signature  shall  be  of  the  same  force  and effect as an original signature.

                                    * * * * *

<PAGE>
     IN  WITNESS  WHEREOF,  the  parties  hereto  have  executed this Consulting
Agreement  as  of  the  date  set  forth  above.

                                   SEARS  &  CRAWFORD,  L.L.P.

                                   By:/s/  Clay  Crawford
                                      -------------------
                                      Clay  Crawford
                                      Consultant

                                   CALYPSO  WIRELESS,  INC.,  a
                                   Delaware  corporation.

                                   By:/s/  David  Davila
                                      ------------------
                                      David  Davila,  President  &  CEO

<PAGE>

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