Document:

LICENSING AGREEMENT

        THIS AGREEMENT made as of the June 18, 1998, (the "Agreement"), between
Hargate Development Group with its principal place of business located at 33
Yonge Street S. Toronto, Ontario MSE 1G4 (the "Licensor") and TVER ACQUISITION
CORP., a Delaware corporation. with its principal place of business located at
3550 National Avenue, San Diego, California 92113. (the "Licensee").

        The Licensor is the owner of the entire right, title and interest to the
"Rattler", a three foot, six inch bicycle chain which serves as a proprietary
bicycle lock with audio alarm, similar to a car alarm.

         The Licensee desires to use, and to obtain from the Licensor, the
right, license and privilege to market and distribute the "Rattler" in the
territory of the United States of America, and the Licensor is willing to grant
such license on the terms and conditions set forth below.

         NOW THEREFORE, in consideration of the mutual covenants of the parties
and for other good and valuable consideration, receipt of which is hereby
acknowledged by the Licensor, the parties hereto agree as follows:

     1. License. Licensor grants to the Licensee the exclusive right and license
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to market and distribute the "Rattler" in the territory of the United States of
America.

     2. Term. The term of this Agreement is five years from the date of the
        ----
signing of this Agreement.

     3. Quality of Goods. The Licensee guarantees that the quality of
        ----------------
manufacturing of the "Rattler" shall be of the highest quality and that the
packaging and collateral material shall also be of the highest standards.

     4. Ownership of Trademarks and Tradenames. At the present time, there is no
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patent pending or trademarks pending, however if the Licensor applies for patent
and tradename protection, then all patents and tradenames shall remain the
property of the Licensor, and the Licensee has the right to use the patent and
tradename in the course of normal business within the marketing and distribution
of the "Rattler" in the United States of America.

     5. Use of Trademarks and Tradenames. Once the trademarks are obtained by
        -------------------------------
the Licensor, the Licensee may use the trademarks and tradenames in the normal
course of business. The Licensee agrees to use its best efforts to comply with
the laws pertaining to trademarks.

                                      -1-
<PAGE>

     6. Covenants of Licensor and Licensee. So long as this license shall remain
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in full force and effect, the Licensor shall not use or grant others the right
to use the trademarks on or in connections with licensed goods in the territory.

     7. Consideration for License. The Licensee shall deliver 15,000 common
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shares of the Licensee's common stock.

     8. Royalties. The Licensee shall pay to the Licensor 15% in gross sales of
        ---------
all product sold in the territory. Such royalties are to be reported by the
Licensee to the Licensor on a semi-annual basis and all royalties are due 30
days after the second and fourth quarter.

     9. Default and Termination. The Licensor shall have the right to terminate
        -----------------------
this Agreement by reason of a material breach by the Licensee of its duties and
obligations hereunder provided that such material breach shall have not have
been remedied or cured within thirty (30) days following receipt by Licensee of
written notice thereof from Licensor, or, if Licensee's complaint of a material
breach is such that a remedy or cure cannot reasonably be settled within that
thirty (30) days.

     10. Assignability. It is mutually understood and agreed that this license
         -------------
shall inure to the benefit of and be binding upon the Licensor, its successors
and/or assigns, and on Licensee, its successors and/or assigns. This license and
any of the rights or obligations created herein may be assigned, in whole or in
part, by Licensee, to any party upon the written consent of Licensor, which
shall not be reasonably withheld, and provided that Licensee is current in all
payments due the Licensor.

     11. Miscellaneous. Nothing in this license shall be deemed to constitute or
         -------------
create between Licensor or Licensee a partnership, association, joint venture or
agency nor shall either party have power or authority to obligate or bind the
other in any manner, whatsoever, except as expressly provided for herein and
neither such party shall make any representation or warranty on behalf or for
the other party.

     No change, modification, amendment, addition to this license or any part
thereof shall be valid unless in writing and signed by or on behalf of the party
to be charged therewith.

     12. Entire Agreement. This license constitutes the entire agreement between
         ----------------
the parties and supersedes all prior understandings and agreements regarding the
subject matter hereof. Each of the parties acknowledges and agrees that the
other has not made and is not making and in executing this license, neither
party has relied upon any representations, promises or inducements except to the
extent that the same are expressly set forth in this license. If any clause,
paragraph, section or part of this license shall be held or declared to be void,
invalid, or illegal for any reason by any court of competent jurisdiction, such
provision shall be ineffective, but shall not in any way, invalidate or affect
any other clause, paragraph, section or part of this license.

                                       -2-

<PAGE>

        This License shall be governed by and construed in accordance with the
laws of the state of Nevada, applicable to agreements made and to be performed
therein.

        IN WITLESS WHEREOF, the parties have caused this license to be signed as
of the date and year first written above.

LICENSOR:

Hargate Development Group

By: /s/ Gerald Weston
    --------------------------------
    Gerald Weston, Principal

LICENSEE:

TVER ACQUISITION CORP.

By:  /s/ Daniel Najor
    --------------------------------
    Daniel Najor, Secretary/Director

                                      -3-PURCHASE & SALE AGREEMENT
                            -------------------------

THIS AGREEMENT made as of the Tenth Day of December, 1998

BETWEEN:

        DANIEL NAJOR, an individual
        1685 Highland Avenue
        Solana Beach, California 92075
        (hereinafter referred to as "Seller")

                                                          OF THE FIRST PART AND:

        TVER ACQUISITION CORP.
        (a Delaware corporation)
        3550 National Avenue
        San Diego, California 92113
        (hereinafter referred to as "Purchaser")

                                                              OF THE SECOND PART

WHEREAS:

1. The Seller is the  exclusive  owner of a telephone  callingcard  system.  The
telephone  callingcard  system  may have line  extensions  to  include,  but not
limited  to,  other  telephone  calling  programs,   advertising  and  telephone
accessories and promotional  products.  The Seller intends to apply for a patent
for the telephone callingcard technology.  The telephone callingcard technology,
including variations,  improvements and product line extensions, are hereinafter
referred to as the "Product".

2. The Seller's Product is proprietary technology and possible subject to patent
protection of the technology.

3. The Seller is the holder of the worldwide  marketing and distribution  rights
of the  Product,  along with the  various  promotional  literature  and  Product
information suitable for use in the world market.

4. The Purchaser is desirous of obtaining the technology outright to exclusively
market the Product on a worldwide basis.

5. The Seller is hereby  granting full  ownership of the  telephone  callingcard
technology to the Purchaser by the terms and conditions more particularly herein
described.

NOW THEREFORE  THIS  AGREEMENT  WITNESSED  that in  consideration  of the mutual
covenants  and  premises   contained   herein,   and  other  good  and  valuable
consideration  (the  receipt,  adequacy  and  sufficiency  of which  are  hereby
acknowledged), the parties hereto agree as follows:

                                      -1-
<PAGE>

TERMS AND CONDITIONS:

l. The Seller warrants that it is the possessor and exclusive owner of the
telephone callingcard technology and all improvements thereof, and is rightfully
and absolutely possessed of and entitled to the telephone callingcard technology
and further warrants that the Seller has the right to sell and transfer
ownership as set forth herein.

2. The Seller hereby sells and transfers ownership to the Purchaser grants in
consideration for 3,000,000 common, non-assessable shares of common stock of the
Purchaser's share capital issued to the Seller or designee.

3. The Seller does hereby warrant and agrees that:

     a)   the Purchaser shall be the owner of the telephone callingcard
          technology.

     b)   the Purchaser shall be appraised of all improvements and amendments to
          the Product.

     c)   the Purchaser must conduct ethical business practice with respect to
          advertising, credit arrangements, sub-distributor agreements, sales
          contracts, and in all other phases of marketing and distributing the
          Product in the normal course of business.

4. This Agreement provides that the ownership granted to the Purchaser, under
the terms & conditions of this Agreement, shall apply to any improved version of
the Product and that the Seller shall be expedient in the notification of any
and all such improvements of and to the Product. Further, the Purchaser shall be
entitled to market any and all improvements and any additional telephone
callingcard Products developed by the Seller under the same terms and conditions
as described herein as the sale of the original Product.

5. The parties hereto agree to use their best efforts to carry out the
provisions of this Purchase & Sale Agreement.

6. The Seller and Purchaser agree that they will, at their sole expense, either
directly or by their agents, take whatever steps necessary to protect the
proprietary nature of the Product and the good will and integrity of the
telephone callingcard technology.

7. This Agreement provides that the Seller and Purchaser will take all
reasonable steps to preserve and protect the Product to the best of its ability
and to protect all trade secrets and proprietary information and agrees that the
quality and standards of the Product shall be maintained in accordance with the
highest specifications.

8. The Purchaser herein undertakes that all advertising material conform to
local and federal statutory advertising regulations and to operate within and
conform to Territorial laws.

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<PAGE>

9. In the event that either party hereto shall deem the other party to be in
default of this Agreement, the one party shall give to the other party written
notice of such default and the other party shall have sixty days from the date
of such notice to remedy such default, or to institute a bona fide proceeding to
remedy such default.

10. This Agreement contains the entire agreement between the parties and no
representations, inducements or agreements, oral and/or otherwise, not embodied
herein, shall have any force or effect.

11. Should any legal dispute arise on the TERMS AND CONDITIONS of this
Agreement, the parties hereto agree to the venue of the State of Nevada, and its
applicable laws for any and all disputes.

THE SELLER IS AN OFFICER, DIRECTOR AND SHAREHOLDER OF THE PURCHASER. THIS
PURCHASE AND SALE AGREEMENT IS TO BE CONSIDERED AS "NON ARMS LENGTH"
TRANSACTION.

THE FOLLOWING DO HEREBY AFFIX THEIR SEALS AND SIGNATURES:

/s/ Daniel Najor
-----------------------
Daniel Najor
SELLER

/s/ Nazar Najor
-----------------------
TVER ACQUISITION CORP
by Nazar Najor, President and Board Chairman
PURCHASER

                                      -3-

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