ASSET PURCHASE AND ASSUMPTION OF LIABILITIES AGREEMENT

                                 BY AND BETWEEN

                              CONCRETE MEDIA, INC.

                                       AND

                                 GIRLS ON, INC.

                                JANUARY 29, 1999


<PAGE>   2
                                                                   EXHIBIT 10.13


         This ASSET PURCHASE AND ASSUMPTION OF LIABILITIES AGREEMENT (this
"Agreement") is entered into this 29th day of January, 1999, by and between
CONCRETE MEDIA, INC., a Delaware corporation ("CMI"), and GIRLS ON, INC., a
Delaware corporation ("Girls On").

         WHEREAS, CMI now desires to sell and transfer to Girls On all of the
assets as listed on the attached Exhibit 1.01 (the "Assets"); and

         WHEREAS, Girls On desires to purchase and acquire the Assets and
desires to become liable for paying, performing and discharging the liabilities
and obligations arising out of or relating to the Girls On business services
(the "Girls On Business") as previously conducted by CMI or arising out of or
relating to the Assets, of whatever kind or nature, whether contingent or
absolute, whether known or unknown, whether arising prior to or on or after
January 29, 1999, including without limitation, those listed on Exhibit 1.02 and
all of the foregoing liabilities and obligations described in this Agreement
(the "Liabilities").

         NOW, THEREFORE, in consideration of the premises and the mutual
covenants contained in this Agreement, and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties, intending to be legally bound, agree as follows:

                                    ARTICLE I
                           TRANSFER AND SALE OF ASSETS

         SECTION 1.01 Transfer and Sale of the Assets. On the terms and subject
to the conditions of this Agreement, CMI agrees to sell, convey, transfer,
assign and deliver to Girls On, and Girls On agrees to receive from CMI on
January 29, 1999, the Assets pursuant to a Bill of Sale in the form of Exhibit
1.03 attached hereto.

         SECTION 1.02 Consideration for the Assets. The aggregate consideration
to be paid by Girls On for the Assets shall be the Purchase Price plus the
assumption of the Liabilities. In the event that the Girls On Business is sold
to a third party during the 12-month period, commencing on the Closing Date (as
defined below) (the "Earnout Period"), Girls On shall pay CMI a percentage of
the net proceeds from such sale (the "Purchase Price") as set forth below. In
the event:

            (i) a third party closes the purchase of Girls On on or before three
                months after the Closing Date, Girls On shall pay CMI thirty
                five (35) percent of the net proceeds that Girls On receives
                from such sale;

           (ii) a third party closes the purchase of Girls On between three
                months and six months after the Closing Date, Girls On shall pay
                CMI thirty (30) percent of the net proceeds that Girls On
                receives from such sale;

          (iii) a third party closes the purchase of Girls On between six months
                and nine months after the Closing Date, Girls On shall pay CMI
                twenty five (25) percent of the net proceeds that Girls On
                receives from such sale; or
<PAGE>   3
          (iv) a third party closes the purchase of Girls On between nine months
               and twelve months after the Closing Date, Girls On shall pay CMI
               twenty (20) percent of the net proceeds that Girls On receives
               from such sale;

For any sale after the expiration of the Earnout Period, Girls On's obligation
to pay CMI a percentage of the net proceeds from the sale of Girls On Business
shall terminate and CMI hereby agrees that it shall not be entitled to a
percentage of the net proceeds from the sale of Girls On Business after the
Earnout Period. For purposes hereof, (i) a sale of an interest in Girls On shall
not be considered a sale of Girls On Business; and (ii) in the event that the
proceeds of the sale of Girls On is received in more than one kind of
consideration (such as cash, notes, and/or equity interests in a third party)
the proceeds payable to CMI shall be paid in the same kinds and proportions and
at the same time(s) as are received by Girls On or its shareholders in the
transaction. The closing of the transactions contemplated hereby (the "Closing")
shall take place at 10:00 a.m., eastern standard time, on January 29, 1999 (or
if the conditions to the Closing shall not have been satisfied or waived by such
date then as soon as practicable thereafter (the "Closing Date").

         SECTION 1.03 Assumption of Liabilities and Covenant to Satisfy all
liabilities. As of the close of business on January 29, 1999, Girls On shall
assume and satisfy, discharge and be liable for paying, performing and
discharging the Liabilities.

         Notwithstanding the provisions of this Agreement or any exhibit hereto,
Girls On shall assume any and all liabilities, obligations or commitments with
respect to the Girls On Business or the Assets, of any nature whatsoever,
whether known or unknown, contingent or otherwise, including, but not limited
to, any such liabilities, obligations or commitments to any affiliate of CMI or
any other third party from the beginning of time to the date hereof.

         SECTION 1.04 Girls On Indemnification of CMI. Girls On, by its officers
and directors, covenants and agrees to defend, indemnify and hold harmless CMI,
its stockholders, officers, directors, employees, agents, advisers,
representatives and affiliates of CMI (collectively, the "CMI Indemnitees") from
and against, and shall pay or reimburse CMI Indemnitees for, any and all
actions, causes of actions, suits, debts, losses, charges, complaints, claims,
liabilities, obligations, promises, agreements, controversies, damages, and
expenses (including attorney fees and costs actually incurred), of any nature
whatsoever, in law or equity (collectively "Claims"), which arise out of or are
related to (i) the conduct of the Girls On Business or (ii) the Assets,
regardless of whether known or unknown or incurred before or after the date of
this Agreement.

         SECTION 1.05 Further Assurances. At any time and from time to time
after January 29, 1999 at the request of any party hereto and without further
consideration CMI and Girls On shall execute and deliver such other instruments
of sale, transfer, conveyance, assignment and confirmation as may be reasonably
requested in order more effectively to sell, transfer, convey and assign to
Girls On and to confirm Girls On's title to the Assets and Girls On's
obligations with respect to the Liabilities.


                                       2
<PAGE>   4
                                   ARTICLE II
                      REPRESENTATIONS AND WARRANTIES OF CMI


         CMI represents and warrants to Girls On as follows:

         SECTION 2.01 Organization and Qualification. CMI is a corporation duly
organized, validly existing and in good standing under the laws of State of
Delaware and is duly licensed or qualified to transact business as a foreign
corporation in the State of New York and is in good standing in the State of New
York.

         SECTION 2.02 Corporate Power and Authority. CMI has the corporate power
and authority to own and hold its properties and to carry on its business. CMI
has the corporate power and authority to execute, deliver and perform this
Agreement and the other documents and instruments contemplated hereby. The
execution, delivery and performance of this Agreement and the documents
contemplated hereby and the consummation of the transactions contemplated hereby
and thereby have been duly authorized and approved by CMI. This Agreement and
each of the other agreements, documents and instruments to be executed and
delivered by CMI have been duly executed and delivered by, and constitute the
legal, valid and binding obligation of, CMI enforceable against CMI in
accordance with their terms.

         SECTION 2.03 Validity, Etc. Neither the execution and delivery of this
Agreement and the other documents and instruments contemplated hereby, the
consummation of the transactions contemplated hereby or thereby nor the
performance of this Agreement and such other agreements in compliance with the
terms and conditions hereof and thereof will (i) violate, conflict with or
result in any breach of any trust agreement, certificate of incorporation,
bylaw, judgment, decree, order, statute or regulation applicable to CMI, (ii)
require any consent, approval, authorization or permit of, or filing with or
notification to, any governmental or regulatory authority or (iii) violate,
conflict with or result in a breach, default or termination of, or give rise to
any right of termination, cancellation or acceleration of the maturity of any
payment date of, any of the obligations of CMI.


                                   ARTICLE III
                   REPRESENTATIONS AND WARRANTIES OF GIRLS ON

         Girls On represents and warrants to CMI as follows:

         SECTION 3.01 Organization. Girls On is duly organized, validly existing
and in good standing under the laws of the State of Delaware and is duly
qualified to transact business as a foreign corporation in each jurisdiction in
which the failure to so qualify would have a material adverse impact on the
Girls On's ability to purchase the Assets and Girls On's ability to assume the
Liabilities herein.

         SECTION 3.02 Girls On Power and Authority. Girls On has the corporate
power and authority to execute, deliver and perform this Agreement and the other
documents and instruments contemplated hereby. The execution, delivery and
performance of this Agreement and the documents contemplated hereby and the
consummation of the transactions contemplated hereby and thereby have been duly
authorized and approved by Girls On. This Agreement and


                                       3
<PAGE>   5
each of the other agreements, documents and instruments to be executed and
delivered by Girls On have been duly executed and delivered by, and constitute
the valid and binding obligation of Girls On enforceable against Girls On in
accordance with their terms.

         SECTION 3.03 Validity, Etc. Neither the execution and delivery of this
Agreement nor the other documents and instruments contemplated hereby, the
consummation of the transactions contemplated hereby or thereby, nor the
performance of this Agreement and such other agreements in compliance with the
terms and conditions hereof and thereof will (i) conflict with or result in any
breach of any trust agreement, certificate of organization, bylaw, judgment,
decree, order, statute or regulation applicable to Girls On (ii) require any
consent, approval, authorization or permit of, or filing with or notification
to, any governmental or regulatory authority, (iii) result in a breach of or
default (or give rise to any right of termination, cancellation or acceleration)
under any law, rule or regulation or any judgment, decree, order, governmental
permit, license or order or any of the terms, conditions or provisions of any
mortgage, indenture, note, license, agreement or other instrument to which Girls
On is a party or (v) violate any order, writ, injunction, decree, statute, rule
or regulation applicable to Girls On.

         SECTION 3.04 No Violation of Laws or Contracts. Neither the execution
and performance of this Agreement, the Note or the other agreements executed by
Girls On in accordance with the terms hereof, nor the consummation of the
transactions contemplated hereby and thereby, will violate any provisions of
law, any order of any court or other agency or government, or any ordinance,
indenture or agreement to which Girls On is a party.

                                   ARTICLE IV
                             FORWARD COMMUNICATIONS

         SECTION 4.01. Forward Communications. Any written communication
received at any time by CMI with respect to any of the Assets or Liabilities
shall be transmitted by CMI to Girls On within two (2) business days of receipt.

                                       4
<PAGE>   6
         IN WITNESS WHEREOF, Concrete Media, Inc. and Girls On, Inc. have each
executed this Asset Purchase and Assumption of Liabilities Agreement as of the
day and year first above written.

                                          CONCRETE MEDIA, INC.


                                          By:  /s/ Daniel A. Pelson
                                              ---------------------------------
                                              Name: D. A. Pelson
                                              Title:  CEO


                                          GIRLS ON, INC.


                                          By:  /s/ Aaron Cohen
                                             ----------------------------------
                                             Name:  Aaron Cohen
                                             Title:  President


                                       5
<PAGE>   7
                                    EXHIBITS

1.01     List of Assets
1.02     List of Liabilities
1.03     Bill of Sale



                                       6
<PAGE>   8
                                  EXHIBIT 1.01

                                 LIST OF ASSETS


<CAPTION>
A.      TANGIBLE ASSETS                                                        Lease/Owned
                                                                               -----------
                                                                            
         i).      1 Web Server - Gateway *                                      Leased
         ii)      1 Data base Server - Gateway *                                Leased
         iii)     1 Recommendation Server - Gateway *                           Leased

         iv)      6 Computer workstations (i.e. hard drive, monitor, modem)     Various


              * Located in rack at Exodus - $850.00 Monthly charge

B.       INTANGIBLE ASSETS

           i)     "Girls on" Name

           ii)    Unregistered Trademarks and Domain addresses:
                           Girlson.com
                           Girlsonfilm.com
                           GirlsonTV.com
                           GirlsonBooks.com

C.       TRANSFERRED CONTRACTS

         a.       Content Agreement between One Zero Media, Inc. and Concrete
                  Media, Inc. dated as of July 28, 1998.

         b.       One half of the Concrete Media Hot Mail Web Courier contract
                  by and between Hot Mail Corporation and Concrete Media, Inc.
                  dated as of March 3, 1998.

         c.       Software License Agreement by and between Firefly Network,
                  Inc. and Concrete Media, Inc. dated December 18, 1997.

         d.       Memorandum of Understanding between MovieLink, Inc. and
                  Concrete Media, Inc. dated September 30, 1998.

         e.       Matrix Movie data License and Service Agreement by and between
                  Matrix Software, Inc. and Concrete Media, Inc. dated February
                  24, 1998.

         f.       Agreement between HarperCollins Publishers Inc. and Concrete
                  Media Inc. dated June 5, 1998.



                                       7
<PAGE>   9
D.       OUTSTANDING ADVERTISING ORDERS TO PLACE ADS ON GIRLS ON SITE IN THE
         AMOUNT OF $6,000.

E.       EMPLOYEES TO BE TRANSFERRED

                  Mary Ferguson
                  Andrea Pyros



                                       8
<PAGE>   10
                                  EXHIBIT 1.02

                               LIST OF LIABILITIES



                                               
Hotmail - June 1998 to January 1999                $ 87,652.08

Alta Vista - through January, 1999
         per contract                               125,000.00

Firefly - Balance of contract                        30,000.00
                                                  ------------
         Total                                     $242,652.08




                                       9
<PAGE>   11
                                  EXHIBIT 1.03

                                  BILL OF SALE


         This Bill of Sale dated January 29, 1999 is executed and delivered by
Concrete Media, Inc., a Delaware corporation (the "Seller"), in connection with
the Asset Purchase and Assumption of Liabilities Agreement (the "Asset Purchase
Agreement") dated January 29, 1999, by and between the Seller and Girls On, Inc.
(the "Buyer").

         WHEREAS, pursuant to the Asset Purchase Agreement, the Seller has
agreed to sell, transfer, convey, assign and deliver to the Buyer the assets
listed on the attached Exhibit A.

         NOW, THEREFORE, in consideration of the execution and delivery of the
Asset Purchase Agreement and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged subject to the terms of
the Asset Purchase Agreement, the Seller hereby agrees as follows:

         1. The Seller hereby sells, transfers, conveys, assigns and delivers to
the Buyer and its successors and assigns, all right, title and interest in and
to all of the assets, properties and rights of the Seller as listed on the
attached Exhibit A.

         2. The Seller hereby agrees to execute and deliver after January 29,
1999 such other instruments or documents and to take such additional actions as
may be reasonably requested by the other in order to effect or complete the
transfer contemplated hereby.

         3. This Bill of Sale is intended to evidence the consummation of the
sale and transfer by the Seller to the Buyer of the Assets as listed on the
attached Exhibit A, all as contemplated by the Asset Purchase Agreement. The
Seller, by its execution of this Bill of Sale, and the Buyer, by its acceptance
of this Bill of Sale, each hereby acknowledge and agree that the remedies of any
party under the Asset Purchase Agreement shall not be deemed to be enlarged,
modified or altered in any way by this Bill of Sale. Any inconsistencies or
ambiguities between this Bill of Sale and the Asset Purchase Agreement shall be
resolved in favor of the Asset Purchase Agreement.

         4. This Bill of Sale shall be governed by and construed in accordance
with the laws of the State of New York, without giving effect to the conflict of
law principles thereof.


                  [Remainder of Page Intentionally Left Blank]

                                       10
<PAGE>   12
         IN WITNESS WHEREOF, the Seller and the Buyer have caused this
instrument to be duly executed under seal as of and on the date first above
written.

                                               CONCRETE MEDIA, INC., as Seller


                                               By:
                                                   -----------------------------
                                                   Name:
                                                   Title:



AGREED AND ACCEPTED:

GIRLS ON, INC.
 as Buyer



By:
   ------------------------------------
   Name:
   Title:


                                       11
<PAGE>   13
                                    EXHIBIT A
                                 LIST OF ASSETS



<CAPTION>

A.       TANGIBLE ASSETS                                                        Lease/Owned
                                                                                -----------
                                                                            
         i).      1 Web Server - Gateway *                                      Leased
         ii)      1 Data base Server - Gateway *                                Leased
         iii)     1 Recommendation Server - Gateway *                           Leased

         iv)      6 Computer workstations (i.e. hard drive, monitor, modem)     Various


              * Located in rack at Exodus - $850.00 Monthly charge

B.       INTANGIBLE ASSETS

         i)     "Girls on" Name

         ii)    Unregistered Trademarks and Domain addresses:
                           Girlson.com
                           Girlsonfilm.com
                           GirlsonTV.com
                           GirlsonBooks.com

C.       TRANSFERRED CONTRACTS

         a.       Content Agreement between One Zero Media, Inc. and Concrete
                  Media, Inc. dated as of July 28, 1998.

         b.       One half of the Concrete Media Hot Mail Web Courier contract
                  by and between Hot Mail Corporation and Concrete Media, Inc.
                  dated as of March 3, 1998. One half of the

         c.       Software License Agreement by and between Firefly Network,
                  Inc. and Concrete Media, Inc. dated December 18, 1997.

         d.       Memorandum of Understanding between MovieLink, Inc. and
                  Concrete Media, Inc. dated September 30, 1998.

         e.       Matrix Movie data License and Service Agreement by and between
                  Matrix Software, Inc. and Concrete Media, Inc. dated February
                  24, 1998.

         f.       Agreement between HarperCollins Publishers Inc. and Concrete
                  Media Inc. dated June 5, 1998



                                       12
<PAGE>   14
D.       OUTSTANDING ADVERTISING ORDERS TO PLACE ADS ON GIRLS ON SITE IN THE
         AMOUNT OF $6,0000.

E.       EMPLOYEES TO BE TRANSFERRED

                  Mary Ferguson
                  Andrea Pyros



                                       13

Source: OneCLE Business Contracts.