VOTING AGREEMENT Time Marketing Shareholders DATED: JULY 27, 2000 The shareholders of the company agree that Philip C. La Puma, shareholder, officer and director and Michael F. Pope, shareholder, officer and director of Time Marketing Associates Inc....

EXHIBIT 10.11

                                VOTING AGREEMENT
                           Time Marketing Shareholders

     DATED: JULY 27, 2000

     The shareholders of the company agree that Xxxxxx X. La Puma, shareholder,
officer and director and Xxxxxxx X. Xxxx, shareholder, officer and director of
Time Marketing Associates Inc. agree to vote in concert with Time Lending
California's board of directors. This will allow joint board meetings with Time
Lending' board of directors with all matters affecting Time Management to be
determined by Time Lending's Board of Directors.

                     Signed: /s/ Xxxxxx X. La Puma
                            -------------------------------
                             Xxxxxx X. La Puma,

Dated: July 27, 2000         /s/ Xxxxxxx X. Xxxx
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                             Time Lending by Xxxxxxx X.Xxxx, President