Exhibit 10.15 [LETTERHEAD OF FEDERATED INVESTORS INSURANCE CORPORATION] CONSULTING AGREEMENT Effective February 1, 2005, for services rendered, James W. France will be due to a consulting fee of $7,000.00 per month. This will be in effect until such...

                                                                   Exhibit 10.15


            [LETTERHEAD OF FEDERATED INVESTORS INSURANCE CORPORATION]


                              CONSULTING AGREEMENT


Effective February 1, 2005, for services rendered, Xxxxx X. France will be due
to a consulting fee of $7,000.00 per month. This will be in effect until such
time as FIIC, Inc. receives sufficient funding to pay this person his normal
salary as to be outlined in his respective employment agreement.

Approved by:


/s/ Xxxxxx Xxxxxxxxx                      Dated    7 Feb 06
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Signature


Xxxxxx Xxxxxxxxx  Dir/Sec.
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