Document:

<PAGE>

Exhibit 10.12

                                PORTAL AGREEMENT
                                ----------------

This Return Assured Portal Agreement (this "Agreement") is made as of the 27th
day of September, 2000 by and between

Return Assured, Inc.
1901 Avenue of the Stars, Suite 1710
Los Angeles, CA 90067
("Return Assured")

and

eBrick, Inc.
306 W 38th Street, Suite 1600
New York, NY. 60641
("the Merchant")

                              W I T N E S S E T H :

         WHEREAS, Return Assured is in the business of providing a purchase
guarantee to retail purchasers of goods over the Internet from merchants who
subscribe to Return Assured's service for a fee (the Return Assured Program);

         WHEREAS, eBrick is in the business of operating an Internet portal
directed to consumers in the USA with the URL of www.ebrick.com; and

         WHEREAS, eBrick and Return Assured desire to enter into an agreement
whereby eBrick will co-market and sell Return Assured's services and program to
Internet retailers in USA, and certain other countries in exchange for a share
of Return Assured's fees earned from the Internet retailers obtained by eBrick.

         NOW, THEREFORE, in consideration of the mutual promises, covenants and
conditions contained herein, and for other good and valuable consideration, the
receipt and sufficiency of which is hereby acknowledged, the parties agree as
follows.

                                    ARTICLE 1

                             ENGAGEMENT OF SERVICES

         1.1_     Pursuant to the terms and conditions set forth in this
                  Agreement, Return Assured hereby engages eBrick, and eBrick
                  hereby accepts said engagement as Return Assured's
                  non-exclusive sales representative for the solicitation and
                  sale of the

<PAGE>

                  Return Assured Program to their partnered merchants.

         1.2_     In connection with eBrick's marketing and sale of the Return
                  Assured Program, eBrick agrees to utilize only the sales
                  materials, information and documents provided by Return
                  Assured, and to make only those representations regarding the
                  Return Assured Program as are provided and authorized by
                  Return Assured. Furthermore, eBrick agrees to recommend the
                  Return Assured Program to its merchants as the exclusive
                  return policy assurance program and to post the Return Assured
                  trademark/logo on its website in a form and manner reasonably
                  satisfactory to Return Assured.

         1.3_     Return Assured and eBrick agree to mutually develop and
                  implement a co-marketing plan for the performance of eBrick's
                  duties hereunder prior to engaging in any sales activities.

         1.4_     The procedure for eBrick to consummate a sale of the Return
                  Assured Program is to first provide the prospective merchant
                  with the information package provided by Return Assured. This
                  is important since the package contains a detailed description
                  of the Return Assured Program as well as a legal disclaimer
                  that Return Assured is in no way acting as a guarantor or
                  insurer of the quality, performance, merchantability, fitness
                  for any particular purpose, design or standards of the
                  products/services sold by such merchants. Once a merchant
                  expresses a desire to subscribe to the Return Assured Program,
                  eBrick shall provide a Merchant Agreement in the form annexed
                  hereto as Exhibit A (the Merchant Agreement) to the
                  prospective Merchant with instructions for the merchant to
                  review same and, if applicable, to execute and deliver the
                  Merchant Agreement to Return Assured along with any fees due
                  under the Merchant Agreement. Return Assured will then
                  countersign the Merchant Agreement and return a copy to both
                  the Merchant and eBrick.

                                    ARTICLE 2
                                  COMPENSATION

         2.1      In consideration for eBrick's services hereunder, and subject
                  to Article 6.2 below, Return Assured shall pay to eBrick seven
                  and one half percent (7.5%) of all gross fees received by
                  Return Assured under the Merchant Agreements procured by
                  eBrick during the Term hereof.

         2.2      Payment of all amounts hereunder shall be made within
                  forty-five (45) days following the end of each calendar
                  quarter and shall be for the amounts due and accruing during
                  the preceding calendar quarter.

         2.3      Payments to eBrick hereunder shall be accompanied by a
                  statement, certified to be true and accurate by an officer of
                  Return Assured, setting for the calculation of all

<PAGE>

                  amounts due to eBrick hereunder.

         2.4      Payments to eBrick hereunder shall be made in United States
                  Dollars and, if applicable, shall be made using the exchange
                  rates in effect for any foreign currencies on the date payment
                  is due to be made.

                                    ARTICLE 3
                                SCOPE OF SERVICES

         3.1      Scope.

         (a)      The scope of the engagement hereunder is limited to marketing
                  and soliciting the sale of the Return Assured Program to
                  prospective Internet merchants in the Territory. It does not
                  include the right to sell or solicit any sales beyond the
                  Territory or to make sales to the general public or to market
                  or sell any of Return Assured's products/services other than
                  the Return Assured Program as set forth in the Merchant
                  Agreement.

         (b)      eBrick represents and warrants that it shall make
                  representations regarding the Return Assured Program that are
                  true, accurate and in accordance with the product information
                  provided to it by Return Assured.

                                    ARTICLE 4
           INDEMNIFICATION, NO PARTNERSHIP, REPRESENTATIONS/WARRANTIES

         4.1      Indemnifications. Each party hereby indemnifies and holds
                  harmless the other, their officers, directors, employees,
                  agents, heirs and successors from and against any and all
                  loss, damage, expense, liability (including reasonable
                  attorney's fees) which arise as the result of the breach of
                  any provision or warranty contained herein.

         4.2      No Partnership or Authority. Neither party shall have the
                  right, power or authority to contract in the name of the
                  other, or to otherwise bind or pledge the assets of the other.
                  This Agreement does not create a partnership, joint venture or
                  franchise agreement.

         4.3.     Representations and Warranties of Return Assured. Return
                  Assured hereby represents and warrants that (i) it is a Nevada
                  corporation validly existing and in good standing; (ii) that
                  it has the power and all necessary authorization and board
                  resolutions to enter into and perform this Agreement; and
                  (iii) that by entering into this Agreement and performing its
                  terms, it will not be violating or breaching any (x) third
                  parties rights or agreements; (y) any court order, judgment or
                  decree; or (z) any applicable law, statute, rule, regulation,
                  ordinance or otherwise of any jurisdiction.

<PAGE>

         4.4      Representations and Warranties of eBrick. eBrick hereby
                  represents and warrants that (i) it is a New York corporation
                  validly existing and in good standing in its jurisdiction;
                  (ii) that it has the power and all necessary authorization and
                  board resolutions to enter into and perform this Agreement;
                  and (iii) that by entering into this Agreement and performing
                  its terms, it will not be violating or breaching any (x) third
                  parties rights or agreements; (y) any court order, judgment or
                  decree; or (z) any applicable law, statute, rule, regulation,
                  ordinance or otherwise of any jurisdiction.

                                    ARTICLE 5
                                     DEFAULT

         5.1      Default. In the event either party defaults in any of its
                  obligations under this Agreement, the non-defaulting party
                  shall send written notice to the defaulting party setting for
                  the nature of the alleged default and the provision of this
                  Agreement allegedly violated. In the event the defaulting
                  party has not cured the default within thirty (30) days from
                  receipt of notice of default, then the non-defaulting party
                  may pursue any remedies at law or equity it deems appropriate.
                  In this regard, should eBrick permit an uncured default to
                  exist, Return Assured may, among other things, terminate this
                  Agreement. Both parties hereby acknowledge and agree that a
                  breach of this Agreement will likely result in irreparable
                  harm to the other and, as such, agrees to the issuance of
                  injunctive relief (including preliminary injunction and
                  temporary restraining orders) to prevent further breaches
                  and/or damages.

                                    ARTICLE 6
                                      TERM

         6.1      Term: Subject to Article 5.1, this Agreement shall endure for
                  a period of five (5) years from the date first written above.
                  At the expiration of said Term, this Agreement shall
                  automatically renew for one additional five (5) year term
                  unless within sixty (60) days prior to the end of the original
                  term, either party sends written notice to the other of its
                  intention not to renew. In the event notice of non-renewal is
                  sent or this Agreement is sooner terminated as provided
                  herein, eBrick shall immediately discontinuing soliciting,
                  selling, brokering or otherwise acting on behalf of Return
                  Assured and the Return Assured Program in any manner
                  whatsoever. In the event eBrick continues representing the
                  Return Assured Program after the expiration of the Term with
                  the knowledge and consent of Return Assured, it shall not be
                  construed as a renewal of this Agreement, but shall be
                  considered a day to day contract under the same remaining
                  terms and conditions herein. Notwithstanding anything herein
                  to the contrary, in the event eBrick does not maintain at
                  least 10 active, fee paying Merchant Agreements during any
                  month during the Term, Return Assured shall have the right to
                  terminate this Agreement on twenty (20) days written notice to
                  eBrick.

<PAGE>

         6.2      For the six (6) month period following the expiration or
                  sooner termination of this Agreement, Return Assured shall
                  continue to pay eBrick its consideration set forth in Article
                  2 above on all Merchant Agreements in effect during said time
                  period. After said six(6) month period, Return Assured will
                  not have any obligation to pay eBrick any compensation
                  whatsoever on Merchant Agreements (or any extensions or
                  renewals thereof) procured by eBrick during the Term hereof.

                                    ARTICLE 7
                                  MISCELLANEOUS

         7.1      Force Majeure: It is understood and agreed that in the event
                  of an act of the government, war, fire, flood or other natural
                  disaster, or labor or manufacturing strikes which prevent the
                  performance of this Agreement, such nonperformance will not be
                  considered a breach of this Agreement, and such nonperformance
                  shall be excused while, but not longer than, the conditions
                  described herein prevail. The period of Force Majeure shall
                  not exceed eighteen (18) months.

         7.2      Notices: All notices, whenever required in this Agreement,
                  will be in writing and sent by certified mail, return receipt
                  requested, or such other method as permits the verification of
                  delivery. Notices will be deemed to have been given when
                  mailed. A copy of all notices to Return Assured shall be sent
                  via regular mail to: Steven M. Kaplan, Esq., Kaplan &
                  Gottbetter, 630 Third Avenue, New York, NY 10017.

         7.3      Controlling Law: This Agreement shall be construed in
                  accordance with the laws of the State of New York, United
                  States of America and jurisdiction over the parties and
                  subject matter over any controversy arising hereunder shall be
                  in the Courts of the State and County of New York, County or
                  the Federal courts therein. Both parties hereby irrevocably
                  consent to said jurisdiction and venue.

         7.4      Assignment: This Agreement shall be binding upon and inure to
                  the benefit of the parties hereto and their respective
                  successors and permitted assigns, but neither this Agreement,
                  nor any of the rights, interests or obligations hereunder
                  shall be assigned by either party without the prior written
                  consent of the other party, and any attempts to do so without
                  the consent of the other party shall be void and of no effect.

         7.5      Confidentiality. Both parties acknowledge that in the
                  performance of the terms of this Agreement, each party will
                  disclose to the other certain confidential and proprietary
                  information, including but not business plans and practices,
                  trade secrets, customer and employee files and lists, computer
                  software/hardware, and marketing/advertising/promotional plans
                  and practices. Each party agrees not to disclose, disseminate
                  or to utilize any of the other's Confidential Information
                  without the prior written consent of the other. Each party
                  acknowledges that any breach or threatened breach of the
                  provisions of this paragraph, or paragraph 1.5

<PAGE>

                  above will cause irreparable harm to the other and as a
                  result, each party is entitled to obtain preliminary,
                  temporary and permanent injunctive relief, in addition to all
                  other remedies and damages, in the event of a breach or
                  threatened breach thereof, without the need or obligation to
                  post any bond or undertaking, which requirement is hereby
                  waived.

         7.6      Entire Agreement: This writing constitutes the entire
                  agreement and understanding between the parties. No other oral
                  or written agreements or representations exist or are being
                  relied upon by either party. Any modifications or additions
                  hereto must be made in writing and signed by both parties.

         7.7      Other Miscellaneous: (a) The paragraph headings used herein
                  are for reference purposes only and do not effect the meaning
                  or interpretation of this Agreement. If any provisions of this
                  Agreement are for any reason declared to be invalid or
                  illegal, the remaining provisions shall not be affected
                  thereby.

                  (b) The failure of either party to enforce any or all of its
                  rights hereunder as they accrue shall not be deemed a waiver
                  of those rights, all of which are expressly reserved.

                  (c) This Agreement may be executed in more than one
                  counterpart, all of which shall be deemed to be originals.

                  (d) This Agreement shall not be binding unless a fully
                  executed counterpart has been delivered to all parties.

                  (e) In the event of a breach of any provision of this
                  Agreement, the non-breaching party shall be entitled to
                  recover, in addition to all other remedies and damages, all of
                  its reasonable attorney's fees and costs incurred in enforcing
                  its rights hereunder.

         WHEREAS, the parties have set their hand and executed this Agreement of
five (5) pages with the intention of being fully bound hereby.

RETURN ASSURED, INC                         EBRICK, INC

By:                                         By:
   -------------------------                   -------------------------<PAGE>

Hiscox Technology

                                                                   Exhibit 10.13
                                                                   -------------

                                     WORDING

                                      ASure

                                       USA

Cyber Insurance                                                    [HISCOX LOGO]

<PAGE>

--------------------------------------------------------------------------------
                                    CONTENTS
--------------------------------------------------------------------------------

SECTION                                                                 PAGE
-------                                                                 ----

OUR PROMISE TO YOU                                                        - 2 -

        WHAT HAS TO GO WRONG                                              - 2 -

        WHAT WE WILL PAY AND HOW MUCH
                     WHAT WE WILL PAY                                     - 3 -
                     HOW MUCH WE WILL PAY                                 - 3 -

        WHAT IS NOT COVERED                                               - 4 -

YOUR OBLIGATIONS TO US
                     BEFORE WE AGREE TO INSURE YOU                        - 6 -
                     DURING THE POLICY PERIOD                             - 6 -
                     WHEN PERFORMING YOUR BUSINESS ACTIVITIES             - 6 -
                     IF A PROBLEM ARISES                                  - 7 -

GENERAL MATTERS                                                           - 8 -

--------------------------------------------------------------------------------
Throughout this policy words in bold have a special meaning and will be defined
under section GENERAL MATTERS - Definitions.

                        [LETTERHEAD OF HISCOX TECHNOLOGY]
<PAGE>

--------------------------------------------------------------------------------
                               OUR PROMISE TO YOU
--------------------------------------------------------------------------------

Insurance is a promise to pay. This insurance contains our promise to protect
you financially up to a specified amount where:

         o   A problem arises from the performance of your business activities
             which falls within WHAT HAS TO GO WRONG and

         o   You first become aware of this problem during the policy period and
             tell us about it in accordance with YOUR OBLIGATIONS TO US - If a
             problem arises - Notification and

         o   This problem's financial consequences are covered by WHAT WE WILL
             PAY AND HOW MUCH and

         o   Neither the problem nor its consequences are excluded in WHAT IS
             NOT COVERED and

         o   You comply with the requirements set out in YOUR OBLIGATIONS TO US

WHAT HAS TO GO WRONG

Claims                    1.      A party brings or threatens a claim against
against you               you for financial compensation including a related
                          injunction arising from your use of the Internet,
                          electronic mail, any intranet or extranet or a World
                          Wide Web site due to any

                          (a)      infringement of any intellectual property
                                   rights including copyright, trademark or
                                   moral rights or an act of passing-off;

                          (b)      breach of confidence or infringement of any
                                   right to privacy;

                          (c)      misuse of any information which is either
                                   confidential or subject to statutory
                                   restrictions on its use;

                          (d)      defamation;

                          (e)      inadvertent transmission by you of any
                                   computer virus to anyone with whom you do
                                   business, or who uses your World Wide Web
                                   site in the course of their business, which
                                   directly arises from your breach of a duty of
                                   care. This does not apply to any virus
                                   created by you, your employees or anyone
                                   while working for you.

                          2.       An aggrieved party brings or threatens a
                          claim against you for financial compensation due to
                          your negligence in the course of your business
                          activities

                          A claim under 1(a) - (d) is included if arising from:

                          (i)      the authorised contents of your World Wide
                                   Web site including the advertising or
                                   marketing of your business on your Web site;

                          (ii)     the unauthorised and malicious alteration or
                                   destruction of anything on your World Wide
                                   Web site by any person (other than your
                                   directors, partners or employees) who had a
                                   clear intention of causing you damage; or

                          (iii)    the contents of any electronic mail sent by
                                   any employee, director or partner of yours to
                                   anyone with whom you do business.

                        [LETTERHEAD OF HISCOX TECHNOLOGY]
<PAGE>

                          A claim under (d) is included if arising from the
                          contents of any internal electronic mail which
                          contains any defamatory statement concerning a
                          business competitor of yours.

Your own losses

Web Site damage           Your World Wide Web site has been damaged, destroyed
                          or altered by any person (other than any director,
                          partner or employee of yours) acting maliciously with
                          a clear intention of causing you loss and damage.

WHAT WE WILL PAY AND HOW MUCH

WHAT WE WILL PAY

Claims against you

Investigation,            We have the right, but not the duty, to conduct, in
settlement and            your name, the investigation, settlement, or defense
defence costs             of any claim, loss or covered subpoena. If we agree
                          to conduct the investigation, settlement, or defense,
                          we will pay any associated costs. It is understood
                          that the payment of these costs will reduce both the
                          policy's aggregate limit of liability as well as the
                          single loss limit of liability for the particular
                          claim and could even exhaust that limit entirely. If
                          we think it necessary we will appoint an adjuster,
                          attorney, or other appropriate person to deal with the
                          claim or loss. We may, at our sole discretion, appoint
                          your own attorney but only on a similar fee basis as
                          our attorney and only for work done with our prior
                          written approval. Once we agree to conduct the
                          investigation, settlement, or defense, we may settle
                          or defend the matter based solely upon our evaluation
                          of the likelihood of success.

Settling a claim          Subject to the aggregate limit of liability of your
for damages               policy, we will pay the amount agreed by us and the
                          claimant either through negotiation, mediation or some
                          other form of alternative dispute resolution to settle
                          your alleged liability for a claim.

When you are              If we cannot settle, we will pay the amount which you
held liable by a          are held liable to pay, including the claimant's
court for a claim         costs, in either court or arbitration proceedings up
                          to and not exceeding the aggregate limit of liability
                          of your policy.

Your own losses

Web site damage           We will pay the expenses incurred with our prior
                          written consent in replacing or repairing your Web
                          site to the same standard and with the same contents
                          before it was damaged, destroyed or altered. This will
                          include any advertising or publicity expenses involved
                          in contacting any people who attempted to use your Web
                          site while it was destroyed, damaged or altered.

HOW MUCH WE WILL PAY

For claims and            If you pay the excess we will pay up to the limit of
their costs               liability for each actual or threatened claim,
                          including costs and claims expenses covered by this
                          policy, subject to the overall aggregate limit of
                          liability for the policy period. The limit of
                          liability available to pay damages shall be reduced
                          and may be completely exhausted by the payment of
                          costs or claims expenses. Damages, costs and claims
                          expenses shall be applied against the excess.

                        [LETTERHEAD OF HISCOX TECHNOLOGY]
<PAGE>

Web Site damage           If you pay the excess we will pay a maximum of
                          $150,000 for all your losses.

Paying out the            At any stage we can pay you the aggregate limit of
policy limit              liability or what remains after any earlier payment
                          from that limit. We will then have no further
                          obligation to you of any kind, for claims, costs or
                          expenses.

WHAT IS NOT COVERED

This insurance does not respond to every conceivable claim or loss from the
performance of your business activities and so we will not make any payment for
any claim or loss which would otherwise be covered by this insurance, directly
or indirectly arising from, or occasioned by or due to:

Millennium                1.       Any claim directly or indirectly arising out
and EMU                            of, or in any way connected with:

                          a)       the actual, alleged or anticipated failure or
                                   inability of any computer or electronic
                                   device or component or system or embedded
                                   programming or software, whether or not owned
                                   by you or in your possession:

                                   i)        to correctly assign any date to the
                                             correct day, week, month, year or
                                             century;

                                             or
                                   ii)       to correctly recognise or compute
                                             any date which is or is intended to
                                             be beyond 31 December 1998;
                                             or
                                   iii)      to continue to operate as it would
                                             have done had its current date, the
                                             true date or any other date
                                             relevant to any function being
                                             carried out by it been prior to 1
                                             January 2000;

                                   b) the use of any arbitrary, ambiguous or
                                   incompletely defined date in any data,
                                   software or embedded programming, whether or
                                   not owned by you or in your possession;

                                   c) any measures taken with the intention of
                                   averting or minimising any of the above.

                          2.       any failure of any software you have supplied
                                   to process correctly any data relating to a
                                   single European Currency.

Matters specific          3.       any statement, representation or information
to your business                   either concerning you or your business or
                                   contained in your accounts, reports or
                                   financial statements.

                          4.       any statement you knew was defamatory at the
                                   time of publication where you did not
                                   reasonably believe that you would have a good
                                   defence to an action on it.

                          5.       any loss of profit, trading loss or trading
                                   liability including those arising from the
                                   loss of any client, account or business.

                          6.       any financial advice you give or the
                                   arrangement of any financing or credit

                          7.       any infringement of a patent law

                          8.       the unavailability or slow performance of
                                   access to the Internet

                          9.       the failure of communications infrastructure,
                                   process or storage media or mechanisms,
                                   including components thereof

                        [LETTERHEAD OF HISCOX TECHNOLOGY]
<PAGE>

                          10.      "spam" being unsolicited mail, including but
                                   not limited to sales literature

                          11.      any obscenity, blasphemy or pornographic
                                   material.

                          12.      the credit risk from the use of credit cards
                                   or other methods of payment the credit risk
                                   or any compromise or breach of security in
                                   respect of credit cards or other methods of
                                   payment

                          13.      any transactions exceeding $2000

                          14.      any problem or dispute with any merchant's
                                   payment to you

                          15.      the representation that any party other than
                                   you is insured by this policy

                          16.      your insolvency

                          17.      a merchant who was not approved according to
                                   your standard registration process

                          18.      the breach of any competition, restraint of
                                   trade or anti-trust legislation or
                                   regulation.

                          19.      any official action or investigation by or
                                   decision or order of any federal, state,
                                   public, local or governmental body or
                                   authority.

                          20.      the operation or administration of any
                                   health, pension or employee benefit scheme
                                   plan, trust or fund including breach of any
                                   relevant legislation or regulation such as
                                   the U.S. Employee Retirement Income Security
                                   Act of 1974.

                          21.      the sale or purchase of or dealing in any
                                   stocks, shares or other securities or the
                                   misuse of any information relating to them
                                   including breach of any relevant legislation
                                   or regulation such as the U.S Securities Act
                                   of 1933 and the Securities and Exchange Act
                                   of 1934, both as amended.

                          22.      any breach of the Racketeer Influenced and
                                   Corrupt Organisations Act 18 USC Sections
                                   1961 et seq, any amendments to this Act or
                                   any rules or regulations made under it.

                          23.      your breach of any taxation legislation or
                                   regulation.

                          24.      any pollution or contamination, including
                                   noise, electromagnetic fields, radiation and
                                   radio waves.

                          25.      a change in law.

Already in the introductory clause at the start
                          26.      any investigation by the Export
                                   Administrationor similar legislation or
                                   regulation. okay

Other insurances

                          27.      death or any bodily or mental injury or
                                   disease suffered by anyone.

                          28.      anyone's employment with or work for you; or
                                   any breach of an obligation owed by you as an
                                   employer or any kind of discrimination or
                                   harassment.

                          29.      the ownership, possession or use of any land
                                   or building, any animal, any aircraft,
                                   watercraft or any motor vehicle.

                          30.      the loss, damage or destruction of any
                                   tangible property.

                        [LETTERHEAD OF HISCOX TECHNOLOGY]
<PAGE>

                          31.      the loss, damage or destruction of any bearer
                                   bonds, coupons, share certificates, stamps,
                                   money or other negotiable paper.

                          32.      any personal liability incurred by a director
                                   or officer of yours when acting in that
                                   capacity or managing your business other than
                                   when performing a business activity for a
                                   client.

                          33.      your manufacture, sale, supply, installation
                                   or maintenance of any product.

                          34.      any claim or loss recoverable under any other
                                   insurance unless in excess of the limit of
                                   that insurance.

Claims brought            35.      any claim brought by an insured included in
by another                         the definition of you, or any party with a
insured                            financial, executive or managerial interest
                                   in you, including any parent company; or any
                                   party in which you have a financial,
                                   executive or managerial interest, including a
                                   subsidiary company.

Deliberate, reckless      36.      any act, breach, omission or infringement
or dishonest acts                  you deliberately, spitefully, dishonestly or
                                   recklessly commit, condone or ignore.

Non-compensatory          37.      fines and contractual penalties, aggravated,
payments                           punitive or exemplary damages, additional
ok                                 damages under the Canadian Copyright Laws or
                                   any similar Act

Pre-existing              38.      any claim, shortcoming in your work or your
problems                           own loss which you knew about, or reasonably
ok                                 should have known about, before we agreed to
                                   insure you.

Pollution                 39.      Any claim arising from:

                                   (i)       the actual, alleged or threatened
                                             discharge, dispersal, release,
                                             escape or failure to detect any
                                             Pollutants.

                                   (ii)      any governmental or regulatory
                                             directive or request that you pay
                                             for the monitoring, clean up,
                                             removal, containment, treatment,
                                             detoxification or neutralization of
                                             any Pollutants.

Nuclear                   40.      Any claim arising directly or indirectly
                                   from:

                                   (i)       any injury, sickness, disease,
                                             death or destruction caused by or
                                             alleged to be caused by the
                                             hazardous properties of any nuclear
                                             material including but not limited
                                             to the operation of a nuclear
                                             facility by you or any other person
                                             or organization;

                                   (ii)      any claim covered or potentially
                                             covered under nuclear energy
                                             liability insurance issued by any
                                             insurance company, governmental or
                                             quasi-governmental agency of any
                                             country; or

                                   (iii)     any injury, sickness, disease,
                                             death or destruction caused by or
                                             alleged to be caused by the
                                             furnishing of services, materials,
                                             parts or equipment in connection
                                             with the planning, construction,
                                             maintenance, operation or use of
                                             any nuclear facility.

         War              41.      any claim, loss or damage directly or
                                   indirectly occasioned by, happening through
                                   or in consequence of war, invasion, acts of
                                   foreign enemies, hostilities (whether war be
                                   declared or not), civil war, rebellion,
                                   revolution, insurrection, military or usurped
                                   power or confiscation or nationalisation or
                                   requisition or destruction of or damage to
                                   property by or under the order of any
                                   government or public or local authority.

                        [LETTERHEAD OF HISCOX TECHNOLOGY]
<PAGE>

Computer                 You failed to take reasonable steps to maintain and
systems protection       upgrade any programs which protect against any
                         unauthorised use or access to your computer systems,
                         electrical links or World Wide Web site.

Back-ups                 You failed to take back-up copies of any data, file or
                         program at regular intervals.

--------------------------------------------------------------------------------
                             YOUR OBLIGATION TO US
--------------------------------------------------------------------------------

It is important that you understand you have a number of obligations to us which
arise before we agree to insure you; during the policy period; when performing
your business activities; and if a problem arises.

BEFORE WE AGREE TO INSURE YOU

The information given to us before we agree to insure must be complete, accurate
and not misleading. Because of its importance, the proposal form and all other
written information which you, or anyone on your behalf, provide are
incorporated into and form the basis of this insurance.

The proposal form reminded you that before we agreed to insure you all material
matters must be disclosed and all material representations must be true
otherwise we unless.....

you satisfy us that the alleged misrepresentation or failure to disclose was
innocent and not intended to mislead us; and finally, our interests have not
been prejudiced as a result.

Where the material matter is a claim, shortcoming in your work or a loss, we
will cover you either on the basis of this insurance or that in force when the
matter should have been notified whichever gives the more restrictive cover.

DURING THE POLICY PERIOD

Mergers or change        You must tell us within 30 days if you take over or
in ownership             merge with another business or if any party acquires
                         25% or more of the voting shares of your business. If
                         you fail to notify us the stated 30 days, from the date
                         you learned of the merger or purchase, there will be no
                         coverage for losses arising out of the business
                         activities of the new or merged entity. We may charge
                         an additional premium for the new or merged entity
                         gaining further coverage.

Representations          You must gain our prior written approval of any
about Insurance          representation made by you or on your behalf on a
                         website or elsewhere about Lloyd's, us or the cover
                         this policy offers

Payment of the           We will not make any payment under this insurance
premium                  unless you have paid the premium by the agreed date or
                         agreed instalment dates.

WHEN PERFORMING YOUR BUSINESS ACTIVITIES

In view of the cover we provide under WHAT HAS TO GO WRONG we will not cover you
where you unduly increase the risk of a problem arising. We will not, therefore,
make any payment for any claim or loss which is otherwise covered by this
insurance if:

Entering into            You failed to take reasonable steps before entering
onerous contracts        into a contract with a client, or extending the scope
                         of an existing contract, to ensure that either you
                         could provide the required level and quality of
                         performance or services for the quoted price using the
                         resources available to you or the contract was capable
                         of being performed in accordance with all its terms and
                         any representations made by you or on your
                         behalf.

Onerous contractual      You agree in your contract with a client either to use
terms                    more than reasonable care and skill or contractual
                         terms to have a greater financial responsibility for
                         any claim covered by this insurance than would
                         otherwise be the case at law.

                        [LETTERHEAD OF HISCOX TECHNOLOGY]
<PAGE>

Except for those contracts that you have obtained specific prior written
approval from us

IF A PROBLEM ARISES

Notification              We need notice of the following so that we can decide
                          what steps should be taken to protect your interests:

                          (a)      your first awareness of a shortcoming in your
                                   work for a client which is likely to lead to
                                   a claim against you. This includes any
                                   criticism of your work even though regarded
                                   by you as unjustifiable.

                                   If we accept your notification we will regard
                                   any subsequent claim as notified to this
                                   insurance.

                          (b)      any claim or threatened claim against you;

                          (c)      any damage or alteration to your Web site.

                          We will not indemnify you under this insurance unless
                          we receive such notice promptly in the policy period,
                          or at the latest within 30 days after it expires for
                          any problem you first became aware of in the 14 days
                          before expiry.

ok
Your dealings             We will not make any payment under this insurance if
with others               you, when dealing with your client or a third party,
                          admit that you are liable for what has happened, make
                          any offer, deal or payment unless you have our prior
                          written agreement. You must also not reveal the amount
                          of cover available under this insurance, unless you
                          had to give these details in negotiating a contract
                          with your client or have our prior written agreement.

Providing us with         You must provide us with full and accurate information
information and           about any problem or potential problem. If you, or
assistance                anyone on your behalf, tries to deceive us by
                          deliberately giving us false information then the
                          insurance will be treated as if it had never existed.

                          If we have accepted notice of any problem or potential
                          problem, then:

                          (a)      You must give us, or anyone appointed by us,
                                   at your expense, all the assistance and
                                   information which we reasonably require and
                                   you must do everything we reasonably request
                                   to avoid, minimise, settle or defend any
                                   claim or loss. This includes your paying the
                                   excess, following our legal advice, and
                                   allowing us access to and use of software
                                   source material.

                          (b)      you must give us any assistance we reasonably
                                   require to pursue at our expense any right of
                                   recovery in your name following a payment
                                   under this insurance.

                          We will not make any payment under this insurance
                          unless you comply with these obligations.

                        [LETTERHEAD OF HISCOX TECHNOLOGY]
<PAGE>

--------------------------------------------------------------------------------
                                GENERAL MATTERS
--------------------------------------------------------------------------------

Definitions       Phrases which appear both in this insurance and the Schedule,
                  which is part of this insurance, are in bold and have the
                  meaning which is given to them in the Schedule. Any headings
                  are given for ease of identification only. The following words
                  have a special meaning:

                  aggregate limit means the most we will pay in any one policy
                  period.

                  claim means any demand received by you for monetary or
                  injunctive relief including the service of suit or institution
                  of arbitration proceedings against you. Two or more claims
                  arising from a single or related series of actual or alleged
                  acts, errors or omissions will be considered a single claim
                  for the purposes of this policy, irrespective of the number of
                  claimants. Further, all such multiple claims shall be deemed
                  to have been made at the time of the initial claim. Claim also
                  includes any loss covered by Your Own Losses section of the
                  policy.

                  covered subpoena means a subpoena seeking documents, testimony
                  or information from the Insured but only if the documents,
                  testimony or information arises out of the performance of your
                  business activities.

                  damages means any monetary judgment, award, or settlement
                  including an award of attorneys' fees. It does not mean
                  punitive, multiplied, or other exemplary type damages.

                  excess means any amounts not covered by this insurance or any
                  other insurance available to you.

                  insured means your partners, directors and employees but only
                  when acting solely in these capacities while conducting your
                  business activities.

                  hazardous properties means radioactive, toxic or explosive
                  properties.

                  nuclear material means source material, special nuclear
                  material, by-product material, or spent fuel. "Source
                  material," "special nuclear material", "by-product material"
                  have the meaning given them by the Atomic Energy Act of 1954
                  and any amendments thereto.

                  nuclear facility means any nuclear reactor, any equipment or
                  device designed or used for 1) separating isotopes of uranium
                  of plutonium; 2) processing or utilizing spent fuel, or 3)
                  handling, processing or packaging waste. waste means any
                  material containing 1) containing by-product material and 2)
                  resulting from the operation of any nuclear facility.

                  pollutants means any noise, solid, semi-solid, liquid, gaseous
                  or thermal irritant or contaminant, including smoke, vapor,
                  soot, fumes, acids, alkalis, chemicals, biological and other
                  etiologic agents or materials, electromagnetic or ionizing
                  radiation and energy, genetically engineered materials,
                  teratogenic, carcinogenic and mutagenic materials, waste and
                  any other irritant or contaminant. Waste includes materials
                  that must be disposed of, recycled, reconditioned or
                  reclaimed.

                  spent fuel means any fuel element or fuel component, solid or
                  liquid, which has been used or exposed to radiation in a
                  nuclear facility.

                  policy period means the period during which you have coverage
                  under this policy.

                        [LETTERHEAD OF HISCOX TECHNOLOGY]
<PAGE>

                  property means money, securities, uncertificated securities of
                  any Federal Reserve Bank of the United States, negotiable
                  instruments, certificates of deposit, documents of title,
                  acceptances, evidences of debt, security agreements,
                  certificates of origin or title, letters of credit, insurance
                  policies, abstracts of title, deeds, mortgages on real estate,
                  books of account and other records whether recorded in writing
                  or electronically, gems, jewelry, precious metals in bars or
                  ingots, and tangible items of personal property which are not
                  listed.

                  your business activities means the furnishing of professional
                  advice in relation to the promise to honour the online return
                  of goods policy of a merchant to a consumer because the
                  merchant was unable to honour the return of goods policy.

                  It does not include attempts to correct, fix, avert or
                  minimise any millennium or Year 2000 failures or the inability
                  of any computer, electronic device, component, system,
                  embedded programming or software to properly recognize or
                  compute any date as more fully set out in Exclusion 1 of WHAT
                  IS NOT COVERED.

                          We/Us/Our         Hiscox Syndicates Ltd, 1 Great St
                                            Helen's, London, EC3A 6HX (telephone
                                            0171 448 6000).

                          You/Your          (a)     The Insured in the
                                                    Schedule which includes any
                                                    person who was, is or,
                                                    during the period of
                                                    insurance, becomes your
                                                    partner or director or
                                                    senior manager in actual
                                                    control of your operations.

                                            (b)     Any person who takes legal
                                                    control of your business or
                                                    affairs on your insolvency,
                                                    financial difficulties,
                                                    death or incapacity.

Choice of law             This insurance, including its construction,
                          application and validity, is governed by the laws of
                          Canada

Service of Suit                    In the event, you believe Underwriters have
                                   wrongfully declined your claim or failed to
                                   pay you and you decide to sue us, we agree to
                                   submit to a court of competent jurisdiction
                                   within Canada Our agreement, however, does
                                   not mean we agree to waive any rights or
                                   defense we may have. In fact, we reserve any
                                   rights we may have including but not limited
                                   to, our right to bring suit against you in
                                   any court or to remove your action to a
                                   Canadian District Court.

                                   If you do decide to sue us we appoint the
                                   person named in Item 7 of the Declarations
                                   page to accept service of process on our
                                   behalf and to make any appearances on
                                   Underwriters' behalf necessary to protect the
                                   rights and interests of the Underwriters

Cancellation              The insurance will be cancelled

                          -   if you or we give the other 60days' written
                              notice, automatically effective on receipt

                          -   automatically on the date of your or our
                              insolvency or filing of insolvency

                          We will return a pro-rata amount of premium unless we
                          have accepted a notification before the cancellation
                          takes effect.

Other Insurance           If you have other insurance, which would pay for the
                                   loss you are claiming under this policy, you
                                   need to first make a claim under and collect,
                                   if you can, under that policy. Provided you
                                   meet the other requirements of this policy,
                                   we will then pay, subject to the limits of
                                   your policy, any excess amount not covered by
                                   your other insurance.

                        [LETTERHEAD OF HISCOX TECHNOLOGY]
<PAGE>

                                  DECLARATIONS

   Please read this page carefully. It is important to you and is part of your

                             PROFESSIONAL INDEMNITY
                             CYBER INSURANCE POLICY

This Policy is Lead by Hiscox Syndicates Limited, 1 Great St Helen's, London
EC3A 6HX, England at Lloyd's of London, England.

Item      1.        :NAMED INSURED
                    Your Name:
                    Your Address:

Item      2.        :POLICY PERIOD
                    This Insurance is effective from DD/MM/YR to DD/MM/YR 12:01
                    AM Standard Time for Your Address listed above.

Item      3.        :LIMITS OF LIABILITY
                    Aggregate Limit: The most we will pay during any one Policy
                    Period is $10,000,000

                    These Limits of Liability include and apply to any amounts
                    paid under the policy section entitled WHAT WE WILL PAY.

Item      4.       :DEDUCTIBLE
                    $2,000,000 in all for the period

Item      5.        :GROSS PREMIUM

                    You have paid $250,000 in gross premium for the Policy
                    Period listed in Item 2.

Item      6.       :RETROACTIVE DATE
                    We will accept claims that were caused by wrongful or
                    negligent acts taking place before inception of cover

Item      7.       :NOTICE OF CLAIM & UNDERWRITERS' REPRESENTATIVE
                    Please send your notification of any claim to: TBA
                    Underwriters

                        [LETTERHEAD OF HISCOX TECHNOLOGY]

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00018-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00018-of-00352.parquet"}]]