CIT Date: Oct 19, 2000 Cyber Merchants Exchange, Inc. 600 S. Lake Avenue, Suite 405 Pasadena, CA 91106 FACTORING AGREEMENT -------------------- Ladies and Gentlemen: We are pleased to confirm the terms and conditions that will govern our funds in use...Factoring Agreement • November 13th, 2000 • Cyber Merchants Exchange Inc • Services-computer programming, data processing, etc. • California
