LIGHTHOUSE PUBLISHING GROUP, INC.
                             PUBLISHING AGREEMENT

     This AGREEMENT is effective the 1st day of October, 1997, between Wade B.
Cook of Seattle, Washington (hereinafter called the Author) and Lighthouse
Publishing Group, Inc., whose principal place of business is at 14675
Interurban Avenue South, Seattle, Washington, 98168, (hereinafter called the
Publisher).

I.  GRANT OF            The Author hereby grants, assigns, and transfers to
    RIGHTS         the Publisher the following exclusive rights and
                   privileges to and in connection with a Work, presently
                   entitled "Don't Set Goals (the Old Way)" which Work is a
                   book.

                        A. The sole and exclusive book publication rights in
                   the United States, its territories, dependencies, and
                   possessions, the Republic of the Philippines, and Canada,
                   and the right to sell copies of the Work in the open
                   market throughout the world.

                        B. The sole and exclusive subsidiary publication and
                   performance rights set forth in Article VIIA below. These
                   subsidiary publication and performance rights are granted
                   to the Publisher for the United States, its territories,
                   dependencies, and possessions, the Republic of the
                   Philippines, and Canada, and include the right to
                   authorize others to exercise in any foreign country any of
                   the rights granted to the Publisher.

II.  COPYRIGHT          It is understood and greed that the copyright shall
                   be secured by the Publisher in the name of the Work and
                   the Publisher is hereby authorized to take all steps
                   required to secure such copyright in the United States of
                   America. The Publisher agrees to print an appropriate
                   copyright notice in each and every copy of the published
                   work and to require all parties to whom it grants licenses
                   in connection with the work to do the same. The party in
                   whose name copyright is registered shall hold for the
                   benefit of the other such rights as the equities hereby
                   created may prescribe. Unless it specifically agrees to do
                   so in writing, the Publisher shall not be responsible for
                   securing any copyright outside the United States of
                   America.

III.  MANUSCRIPT        The Author agrees to deliver to the Publisher not
                   later than November 1, 1997 three finally revised copies
                   of the manuscript satisfactory in form, style, and content
                   and acceptable to the Publisher in its sole judgment and
                   discretion.

   FORM OF              A. Unless otherwise agreed in writing, the Author
   MANUSCRIPT      shall furnish promptly and free of charge to the
                   Publisher, complete and ready for reproduction, all
                   drawings, maps, photographs, charts and designs which are
                   a part of or necessary to the text. If the Author fails to
                   supply any necessary drawings, maps, photographs, charts
                   and designs in satisfactory form and within the specified
                   time, the Publishers shall have the right to have them
                   made and the charges and expenses of making them shall be
                   paid for by the Author.

                        B. The Publisher may, at his discretion, cause an
                   index to be made of the work and charge the cost thereof
                   against any sums due the Author hereunder.

   AUTHOR               C. The provisions as to satisfaction and
   COMPLIANCE      acceptability to the Publisher and time of delivery of
                   such copy are material terms of this agreement and upon
                   the Author's failure to comply with any of such
                   provisions, the Publisher may at its option by written
                   notice to the Author terminate this agreement, whereupon
                   the Author shall return to the Publisher all amounts which
                   it may have advance to him. In such event, if the
                   manuscript should be completed subsequently, the Author
                   shall nevertheless be obligated to offer the same to the
                   Publisher, which at its option, shall have the right to
                   publish the same upon the terms of the agreement.

   CORRECTIONS          D. If the Publisher is directed by the Author to make
                   alterations in any proofs from final copy as delivered,
                   which shall cost more than ten percent of the cost of
                   composition of the Work, the Author agrees to pay said
                   excess. The Author shall pay in full for any corrections
                   in the plates which he requires or which are necessary for
                   the correction of actual errors after the plates have been
                   made in conformity with the last proof as corrected by the
                   Author. The Publisher shall upon request keep

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                   the Author informed of such excess charges.

  SUBSEQUENT            E. When the Publisher considers it necessary, it
  REVISIONS        shall have the right in it sole discretion to call upon
                   the Author to revise the Work, and the Author shall make
                   such revisions. The provisions of this Agreement shall
                   apply to revision of the Work by the Author as though any
                   such revision were the original Work being published for
                   the first time, except that the manuscript of the revised
                   Work shall be delivered in final form by the Author to the
                   Publisher within a reasonable amount of time; further, no
                   initial payment shall be made in connection with such
                   revision. Should the Author not provide the revision
                   within a reasonable time, or should the Author be
                   deceased, the Publisher may have the revision done and
                   charge the cost of such revision against royalties due or
                   that may become due the Author, and may display in the
                   revised Work, and in advertising, the name of the person
                   or persons who revised the Work.

  RETYPING              F. If in the opinion of the publisher it is considered
                   expedient to have the manuscript retyped in as many copies
                   as shall be necessary, the cost of such retyping shall be
                   borne by the Author.


  PUBLISHER'S           G. The Publisher shall be free to prepare the manuscript
  DETERMINATION    of the Work for the printer in such manner as shall be
                   consistent with their publishing house style. All details as
                   to the manner of publication, distribution and
                   advertising, including the format and price of the Work in
                   its manufactured form and the number and distribution of
                   free copies, shall be left to the sole discretion of the
                   Publisher.

                        H. The Publisher will use the same care in protecting
                   the manuscript and other material supplied to it hereunder
                   as is its customary practice in protecting similar material
                   in its possession, but it shall not be liable for damages,
                   if any, resulting from the loss or destruction of such
                   materials or any part thereof.

IV.  ADVANCE            The Publisher will pay to the Author as an advance
                   payment against all monies accruing to the Author under this
                   agreement the sum of:  None

V.   ROYALTIES          A. The Publisher shall pay to the Author the following
                   royalties on regular net sales, other than sales falling
                   within (B) through (F) below on the Retail selling price of
                   each copy sold: 10% on all copies sold.

  LIMITED               B. The Publisher shall pay the Author one half of the
  REPRINT          stipulated royalty, as stated above, on all copies sold from
  EDITION          a reprinting of 3,500 copies or less, made after one year
                   from the date of the first publication, this reduced
                   royalty being provided by reason of the increased cost of
                   manufacturing of small reprintings, to enable the
                   Publisher to keep the Work in print and circulation as
                   long as possible.

  SALE OF               C. Where sheets are sold, except as a reminder, the
  SHEETS           percentage of royalty shall be the same as for bound books
                   and shall be calculated on the net amount received by the
                   Publisher.

  FREE                  D. No royalties shall be paid on copies furnished gratis
  COPIES           to the Author, or for review, advertising, samples or like
                   purposes.

  EXCERPTS              E. The Author grants sole and exclusive rights to the
  PERMISSIONS      Publisher in the exercise of its discretion, to grant
                   permission to publish extracts from the Work, whether or
                   not a fee shall be collected on the Work for such use, the
                   Publisher warranting to make no gratuitous grants of
                   permissions, except as shall, in its estimate, advance the
                   sale of the Work or enhance the public esteem of the
                   Author, the Publisher shall pay to the Author one half of
                   all sums of money received as compensation for such grants
                   of permission to reprint extracts.

                        The Publisher is authorized to permit publication of
                   the Work in Braille, or photographing, recording and/or
                   microfilming the Work for the physically handicapped
                   without payment of fees and without compensation to the
                   Author, providing no compensation is received by the
                   Publisher. In case a compensation is received, the
                   Publisher shall pay the Author fifty percent (50%) of the
                   proceeds.

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VI. REMAINDERS          A. If, in the opinion of the Publisher, the Work
    OVERSTOCK      shall become unsalable in the ordinary channels of the
                   trade the Publisher may at its option sell part or all of
                   the remaining copies as "remainders" after first informing
                   the Author of its intention to do so.

                        B. The Author shall receive a royalty of ten percent
                   of the amount of the Publisher's sale price secured over
                   the cost of production for all copies of overstock which
                   the Publisher deems it expedient to sell at "remainder"
                   prices, i.e., at less than half of the catalog retail
                   price, except when these are sold at or below cost, in
                   which case no royalty shall be paid.

VII. SUBSIDIARY         A. The further and additional rights referred to in
     RIGHTS        this agreement are hereby defined to include the rights
                   enumerated below, and are to be shared by the Author and
                   the Publisher in the percentage indicated, less only such
                   direct expenses, including agent's commissions, as shall be
                   incurred by the Publisher in disposing of such rights:

<TABLE>
<CAPTION>
                                                             To Author   To Publisher
                                                             ---------   ------------
                  <S>                                           <C>         <C>
                   1. Abridgment, condensation, or digest........50%         50%
                   2. Anthology or quotation.....................50%         50%
                   3. Book clubs or similar organizations........50%         50%
                   4. Reprint....................................50%         50%
                   5. Special editions...........................50%         50%
                   6. Second serial and syndication (including
                        reproduction in compilations, magazines,
                        newspapers, or books)....................50%         50%
</TABLE>

                        B. All revenue derived from the sale of rights not
                   specifically enumerated, whether now in existence or
                   hereinafter coming into existence, shall be shared equally
                   by the Author and the Publisher.

                       C.  All such rights shall be disposed of by the sale,
                   lease, license, or otherwise by the Publisher who for that
                   purpose is constituted the attorney-in-fact of the Author.
                   The Author agrees to sign, make, execute, deliver and
                   acknowledge all such papers, documents and agreements as
                   may be necessary to effectuate the grants hereinabove
                   contemplated. In the event that the Author shall fail to do
                   so, they may be signed, executed, delivered and
                   acknowledged by the Publisher as the attorney-in-fact of
                   the Author with the same full force and effect as if signed
                   by the Author.  All sums due under this Agreement shall be
                   paid to the Author's agent Money Chef, Inc. or other
                   designated agent whose receipt shall be a full and valid
                   discharge of the Publisher's obligations and who shall act
                   with the authority of the Author in all matters arising out
                   of this agreement.

IX.  PUBLICATION        The Publisher, in consideration of the rights granted,
     DATE          agrees to publish the work at its own expense, in such
                   style or styles as the Publisher deems most advisable, not
                   later than 12 months after the Publisher's acceptance of
                   the final revised manuscript (except on account of late
                   delivery of manuscript by the Author, strikes, fires, other
                   contingencies beyond the control of the Publisher or its
                   suppliers, or advisability of postponement because of
                   prospective advantageous trade conditions, in which event
                   publication shall be postponed.)

XI.  AUTHOR'S          A. The Author represents and warrants to the
     WARRANTY      Publisher: (a) that the work is original; (b) that he is the
                   sole author and proprietor thereof, and has full power to
                   enter into this agreement; (c) that the work has not
                   heretofore been published in whole or part in volume form
                   and that he has not entered into or become subject to any
                   contract, agreement or understanding with respect thereto
                   other than this agreement; (d) that if published it will
                   not infringe upon any proprietary right at common law, or
                   any statutory copyright, or any other right whatsoever;
                   and (e) that it is innocent and contains no matter
                   whatsoever that is obscene, libelous, in violation of any
                   right of privacy or otherwise in contravention of law. The
                   Author shall indemnify and hold harmless the Publisher
                   against any damage or judgment, including court costs and

                   attorneys' fees, which may be substained or recovered
                   against the Publisher by reason of the publication or sale
                   of the Work, arising from anything contained herein.
                   Author shall also reimburse the Publisher for all expenses
                   including court costs, attorney's fees and amounts paid in
                   settlement, sustained by the Publisher in resisting any
                   claim, demand, suit, action or proceeding asserted or
                   instituted against the Publisher based upon the
                   publication sale of the Work by reason of anything
                   contained therein.

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  PLAINTIFF             B. The Author hereby grants to the Publisher the right,
  ACTION           if copyright is in the Author's name, to bring in the name
  COPYRIGHT        of the Author as plaintiff or complainant, any action or
  ASSIGNMENT       proceeding for the enjoining of an infringement of the
                   copyright in the said Work and for any damages resulting
                   therefrom, and the net amount recovered after deducting
                   all expenses of suit shall be divided equally between the
                   Author and Publisher. The copyright shall be assigned by
                   either party to the other on demand, when necessary for
                   bringing, defending or maintaining a copyright action
                   under this agreement, after the termination of which
                   action the copyright shall on demand be reassigned.

  COMPETING             C. The Author will not, without the written consent 
  WORKS            of the Publisher, write, print, publish or produce, or cause
                   to be written, printed, published or produced, during the
                   continuance of this contract, any other edition of said
                   Work or any work in any form of a similar character or
                   title tending to interfere with or injure the sale of the
                   Work in any manner.

  AUTHOR'S              D. The Author agrees, in the event that the Author
  PERMISSION       plans to incorporate in the Work any writings or composition
                   previously published elsewhere, to obtain and deliver to
                   the Publisher proper and complete written permission and
                   authorization to reprint same from the owner of the
                   copyright covering same.

XII.                   In case the Publisher fails to keep said Work in print
WITHDRAWAL         and for sale and after written demand from the Author,
OF WORK            declines or neglects to reprint the work within six months
                   and to offer it for sale, or in the event that, after one
                   year from the date of the first publication, the Work in
                   the opinion of the Publisher is no longer merchantable or
                   profitable, and it gives one month's notice to the Author
                   of its desire and intention to discontinue publication,
                   this contract shall terminate and all rights preserved,
                   with any plates of illustrations furnished by the Author
                   and any remaining copies and sheets shall be transferred
                   to the Author, provided that Author shall pay the
                   manufacturing costs (including composition) of such plates
                   and the manufacturing cost of such remaining copies or
                   sheets, in default of which payments the Publisher shall
                   have the rights to destroy any plates and to sell
                   remaining copies or sheets at cost of less, without
                   payment of royalty to the Author upon such copies or
                   sheets. In case of the termination of the contract, if the
                   copyright is in the name of the Publisher it shall assign
                   said copyright to the Author.

                        The Work shall not be considered to be out of print
                   if it is on public sale in any printed edition, in the
                   United States, or if there shall be in existence a
                   contract for cheap edition publication which provides for
                   publication within six (6) months after the work is out of
                   print in the regular edition.

XIII.                   A. If a petition in bankruptcy (as distinguished from
BANKRUPTCY         reorganization or arrangement) shall be filed by the
                   Publisher, or shall be filed against the Publisher and
                   finally sustained, the Author shall have the right to buy
                   back, at his option, to be exercised in thirty days, the
                   rights of publication at their fair market value, to be
                   determined by agreement, together with any plates or
                   remaining copies of sheets, at their fair market value,
                   this also to be determined by agreement, and thereupon
                   this contract shall terminate. However, no reversion of
                   rights under this clause shall take place until after the
                   Author has repaid to the Publisher any indebtedness
                   incurred by him and still outstanding under this
                   agreement. If this agreement contains a clause of option
                   on future books by the Author, such clause shall become
                   null and void in event of the Publisher's bankruptcy or
                   receivership.

  AUTHOR'S              B. The Author, upon his written request, shall have
  EXAMINATION      the right to examine or cause to be examined through
                   certified public accountants the books of account of the
                   Publisher insofar as such books of account shall relate to
                   the Work. If such examination shall reveal errors of
                   accounting (other than those arising from an
                   interpretation of this agreement) amounting to a sum in
                   excess of ten percent of the total royalties earned in the
                   period under examination to the Author's disadvantage, the
                   costs of such examination shall be borne by the Publisher,
                   otherwise such costs shall be borne by the Author.

XIV.  SEMI-             The Publisher agrees to render semi-annual statements
      ANNUAL       of account to March 31st and September 30th of each year,
      STATEMENTS   on the succeeding July 1st and January 1st and to make
      PAYMENTS     settlements in cash or about said last mentioned dates. In
                   making accountings, the Publisher shall have the right to
                   allow for a reasonable reserve against returns and
                   nonpayment of invoices for copies billed out by the
                   Publisher.

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<PAGE>

XV.  AUTHOR'S           The Publisher agrees to present to the Author 100 (one
     COPIES        hundred) free copies of said Work upon publication, and to
                   permit the Author to purchase from it further copies for
                   its own personal use, at a discount of forty percent off
                   list price. Author shall be billed directly for these
                   copies, and shall make payment therefor within 30 days of
                   invoice date. No consignment sales shall be made to
                   Author. Author shall not receive royalties on sales made
                   to him.

XVI. RECOVERABLE        All payments made by Publisher to the Author, whether
     PAYMENTS      under this agreement or not, shall be chargeable against
                   and recoverable from any or all monies accruing to the
                   Author under this contract and for all other contracts
                   been the parties of their assigns.

XVII. TAX               It is mutually agreed that State, Federal, and Foreign
      WITHHOLDING  taxes on the Author's earnings, when paid by the
                   Publisher, are proper charges against the Author's
                   earnings due under this agreement, and may be withheld by
                   the Publisher.

XVIII.                  This agreement shall be binding upon and shall ensure
ASSIGNMENT         to the benefit of the parties hereto, their successors,
                   assigns, executors, administrators and/or personal
                   representatives and may be assigned by either party
                   hereto, except that no assignment by the Author shall be
                   valid against the Publisher unless the Publisher has
                   received written notice therefrom from the Author and has
                   consented to the same in writing.

XIX.                    Any controversy or claim arising out of this agreement
ARBITRATION        or the breach thereof shall be settled by arbitration in
                   accordance with rules then obtaining of the American
                   Arbitration Association, and judgment upon the award may
                   be entered in the highest court of the form, State or
                   Federal, having jurisdiction. Such arbitration shall be
                   held in the City of Seattle, Washington, unless otherwise
                   agreed by the parties. The Author may at his option, in
                   case of failure to pay royalties, refuse to arbitrate, and
                   pursue his legal remedies.

XX.  NOTICES            Any written notice required under any of the
                   provisions of this agreement shall be deemed to have been
                   properly served by delivery in person or by mailing the
                   same to the parties hereto at the addresses set forth
                   above, except as the addresses may be changed by notice in
                   writing; provided, however, that notices of termination
                   shall be sent by registered mail.

XXI. WAIVER             A waiver of any breach of this agreement or of any of
                   the terms or ocnditions by either party thereto shall not
                   be deemed a waiver of any repetition of such breach or in
                   any wise affect any other terms or conditions hereof; no
                   waiver shall be valid or binding unless it shall be in
                   writing, and signed by the parties.

XXII. DELIVERY          This agreement shall no be binding on either the
      OF CONTRACT  Publisher or the Author unless it is signed by both
                   parties and delivered to the Publisher within a period of
                   two months from the date of the agreement.

The changes, alterations and interlineations made in Articles VII,X,XVI of
this contract and the additional Articles numbered NONE made and added before
execution hereof.

    IN WITNESS WHEREOF, the parties hereto have hereunto affixed their
respective hands and seals the day and year first above written.

LIGHTHOUSE PUBLISHING GROUP, INC.


/s/ Cheryle Hamilton                   /s/ Wade B. Cook
------------------------               -------------------------
By: Cheryle Hamilton                   Wade B. Cook, Author


1/12/98                                1-9-98
------------------------               -------------------------
Date:                                  Date:

Page 5

<PAGE>

                         Distribution Agreement

This agreement, made Sept. 21, 1997 by and between Origin Trade Books,

    Inc. (Origin) of 6200 South 380 West, Murray, Utah, 84107, and

Publisher Lighthouse Publishing Group, Inc., a subsidiary of Wade Cook
                          Financial Corporation.

                 Address: 14675 Interurban Avenue South
                     Seattle, Washington 98168-4664

                Telephone: 206-901-3000 Fax: 206-901-3100
                             E-Mail Address
                      Contact: Cheryle Hamilton
                         ISBN Prefix: 0-910019-

TRADE DISTRIBUTION SERVICE

   1. Origin will sell and distribute Publisher's Don't Set Goals (The
Old Way) exclusively to the retail and wholesale book trade, libraries,
warehouse clubs, and mass merchandisers as mutually agreed to.

PERFORMANCE BY ORIGIN

   2. Origin agrees to use its best efforts to sell and distribute
Publisher's title(s) so as to obtain the greatest revenues consistent with
the character of the title(s) and sound business practices in the publishing
industry. Furthermore, Origin shall, to the best of its ability, perform the
other services customarily rendered by book distributors which shall
include: warehousing, shipping, billing, customer service, the collection of
accounts receivable (but not litigation) and the processing of returns.

   3. Origin may hold a sales conference for the Publisher to present
forthcoming titles to the sales and marketing team before each selling season
commences. Origin will notify Publisher of the date, time and place of each
sales conference.

   4. Origin shall prepare its own order forms, invoices and other forms to
be used in the selling and billing of titles at its own expense.

   5. Origin will provide basic trade marketing support at its own expense.
Trade marketing shall be defined as preparing seasonal catalogs, wholesale
microfiche charges and part of the space cost of participating in the ABA
convention.

   6. Origin will offer special advertising and promotional opportunities,
including premium placement/display, catalog ads, special events, author
signings, secondary displays and consumer point-of-purchase signage for an
additional fee at the option of the publisher.

   7. Origin shall maintain an 800# order line for the use of selling and
customer service. VISA and MasterCard facility will be made available to
customers.

<PAGE>

   8. Origin or its agents will sell Publisher's title(s) to the trade under
Origin's trade retail and wholesale discount policies, which are subject to
change from time to time.

   9. Origin shall hold Publisher's inventory on consignment in Origin's
warehouse for the sale of Publisher's title(s), with legal title being
retained by Publisher until Origin's sale and shipment of the product. Origin
and Publisher shall mutually determine the quantities of each title being
held on consignment.

   10. Origin will store Publisher's books in a neat and orderly manner.
However, Publisher agrees to remove inventory within 60 days after advance
notification by Origin when Origin determines current levels of inventory are
in excess of current sales requirements.

   11. Origin shall charge Publisher for services rendered on the basis of a
percentage of Net Sales (defined as gross sales less returns). Origin's
percentage shall cover all services except those as otherwise specified in
this agreement. The percentage shall be in effect for one year from the first
month of billing and will be subject to review and revision each year (12
months of billing activity) and every subsequent year as long as this
agreement is in force.

Sales and Distribution Charge as a percentage of Net Sales:

             Commencing with the October 1997 sales period:
                            20% of all sales.

   12. On or about the fifteenth day after the close of each monthly
accounting period, Origin will render to Publisher a detailed accounting of
all sales, current month's returns, and other charges, if any, occurring in
that period. Returns will be deducted from Origin's monthly payment to
publisher in the same month in which the deduction is taken against Origin.

   13. Payments of the amounts due Publisher shall accompany the statement
and shall be made on the following schedule:


   100% of the monies due 120 days after the close of each accounting month,
   with a 15 day grace period.

   14. Origin shall provide to Publisher monthly statements of all sales and
distribution activities. These reports shall record the number of books of
each title received from Publisher, the number shipped to or returned from
booksellers and such other reports that Origin prepares to inform Publisher
of sales of its titles.

   15. In the event that Publisher's monthly returns deduction exceeds the
amounts owed by Origin in any monthly payment period, Origin can, at its
option:

   A. bill Publisher for the amount payable upon presentation, or,

   B. carry the credit balance over to the next period and any thereafter
      until the obligation to Origin has been completely satisfied.

<PAGE>

   16. Origin shall make every effort, short of bad debt collection
procedures or collection lawsuits, to collect from its accounts the monies
due on Origin sales of Publisher's titles. If it is determined by Origin that
it cannot collect receivables from delinquent accounts, then Origin agrees to
turn the delinquent account(s) over to Publisher for collection purposes.
Origin retains the right to provide collection efforts and, if successful,
shall remit to Publisher the pro rata share after costs and expenses of said
collection efforts.

PERFORMANCE BY PUBLISHER

   17. Publisher shall publish titles that include the following information:
copyright information, Library of Congress cataloguing in publication data,
full ISBN number, EAN bar coding and the price printed on the back cover of
each copy and such other data as is standard to the bookselling industry.

   18. Publisher shall provide Origin upon request with seasonal catalog
copy, tip sheet copy, jacket cover art and selling materials as may be
required by the Origin sales force.

   19. Publisher shall inform Origin of its intent to declare titles out of
print in a timely and appropriate manner by written notice. Publisher shall
also advertise all out of print declarations at its own expense. Origin
agrees to handle the placing of such ads.

   20. Publisher shall bear the cost for all advertising,promotion and
publicity to the consumer and trade, except for those basic activities
identified in paragraph 5. Origin must first obtain written consent from
Publisher for any advertising, promotion and publicity expenditures that it
makes on behalf of Publisher.

   21. Publisher holds the right to remainder any of its mint titles as long
as Origin shall be given ninety (90) days written notification prior to the
remainder sale. Publisher shall make all arrangements, and incur all costs,
including packing and shipping with respect to the remainder sale.

   22. Publisher shall be responsible for insuring its inventory being held
in Origin's warehouse, or advising Origin in writing of its decision to
self-insure. Origin's responsibility is limited to careful and prudent
handling of all goods in its possession, but it assumes no responsibility for
fire, theft or other hazards that could be covered by all risk insurance.

MISCELLANEOUS

   23. Titles that are determined to be in unsaleable condition due to damage
or shelf worn conditions resulting from being in retail stores or at
wholesaler premises will be stored separately. Such titles will be returned to
Publisher from time to time or at Publisher's written request, Origin will
destroy such titles, or donate them to an approved charitable organization.

   24. It is understood and agreed that this contract is a sales and
distribution agreement only, and that Publisher retains all of Publisher's
liabilities in their entirety.

<PAGE>

TERMS OF AGREEMENT

   25. This agreement shall be in force for a period of 12 months. Subsequent
cancellation by either Origin or Publisher requires one hundred and twenty
days (120) advance notification before the anniversary date. If notification
is not given then this agreement will renew on a year to year basis with 120
days advance notification still required.

ARBITRATION

   26. Any disputes arising under this Agreement shall be submitted to,
determined and settled by formal arbitration at the joint equal cost of the
parties in Murray, UT, pursuant to the laws of the State of Utah and the
rules of the American Arbitration Association. The parties agree to be bound
to and abide by the arbitration decision.

   27. Any notice to be given under this agreement shall be in writing and
may be effected, either by personal delivery, or by U.S. mail, return receipt
requested. Mailed notices shall be sent to the parties at their following
addresses:

   Origin Book Sales, Inc.        Lighthouse Publishing Group
   Mike Hurst                     Attn: Cheryle Hamilton
   6200 South                     14675 Interurban Ave South
   Murray, UT 84107               Seattle, WA 981684664



In witness whereof, each of the parties hereto have caused its duly
authorized representative on its behalf to execute this agreement.

Origin Book Sales, Inc.           Lighthouse Publishing Group, Inc.

/s/ Mike Hurst                    /s/ Cheryle Hamilton
-----------------------           ----------------------
Mike Hurst, General Manager       Cheryle Hamilton, Executive Administrator
10-1-97                           9-21-97
------------------                ---------------
Date                              Date



<PAGE>

                         Distribution Agreement

This agreement, made Sept. 21, 1997 by and between Origin Trade Books,

    Inc. (Origin) of 6200 South 380 West, Murray, Utah, 84107, and

Publisher Lighthouse Publishing Group, Inc., a subsidiary of Wade Cook
                          Financial Corporation.

                 Address: 14675 Interurban Avenue South
                     Seattle, Washington 98168-4664

                Telephone: 206-901-3000 Fax: 206-901-3100
                             E-Mail Address
                      Contact: Cheryle Hamilton
                         ISBN Prefix: 0-910019-

TRADE DISTRIBUTION SERVICE

   1. Origin will sell and distribute Publisher's titles listed in Attachment
"A" exclusively to the retail and wholesale book trade, libraries,
warehouse clubs, and mass merchandisers NOT listed in Attachment "B".

PERFORMANCE BY ORIGIN

   2. Origin agrees to use its best efforts to sell and distribute
Publisher's title(s) so as to obtain the greatest revenues consistent with
the character of the title(s) and sound business practices in the publishing
industry. Furthermore, Origin shall, to the best of its ability, perform the
other services customarily rendered by book distributors which shall
include: warehousing, shipping, billing, customer service, the collection of
accounts receivable (but not litigation) and the processing of returns.

   3. Origin may hold a sales conference for the Publisher to present
forthcoming titles to the sales and marketing team before each selling season
commences. Origin will notify Publisher of the date, time and place of each
sales conference.

   4. Origin shall prepare its own order forms, invoices and other forms to
be used in the selling and billing of titles at its own expense.

   5. Origin will provide basic trade marketing support at its own expense.
Trade marketing shall be defined as preparing seasonal catalogs, wholesale
microfiche charges and part of the space cost of participating in the ABA
convention.

   6. Origin will offer special advertising and promotional opportunities,
including premium placement/display, catalog ads, special events, author
signings, secondary displays and consumer point-of-purchase signage for an
additional fee at the option of the publisher.

   7. Origin shall maintain an 800# order line for the use of selling and
customer service. VISA and MasterCard facility will be made available to
customers.

<PAGE>

   8. Origin or its agents will sell Publisher's title(s) to the trade under
Origin's trade retail and wholesale discount policies, which are subject to
change from time to time.

   9. Origin shall hold Publisher's inventory on consignment in Origin's
warehouse for the sale of Publisher's title(s), with legal title being
retained by Publisher until Origin's sale and shipment of the product. Origin
and Publisher shall mutually determine the quantities of each title being
held on consignment.

   10. Origin will store Publisher's books in a near and orderly manner.
However, Publisher agrees to remove inventory within 60 days after advance
notification by Origin when Origin determines current levels of inventory are
in excess of current sales requirements.

   11. Origin shall charge Publisher for services rendered on the basis of a
percentage of Net Sales (defined as gross sales less returns). Origin's
percentage shall cover all services except those as otherwise specified in
this agreement. The percentage shall be in effect for one year from the first
month of billing and will be subject to review and revision each year (12
months of billing activity) and every subsequent year as long as this
agreement is in force.

Sales and Distribution Charge as a percentage of Net Sales:

             Commencing with the October 1997 sales period:
                            20% of all sales.

   12. On or about the fifteenth day after the close of each monthly
accounting period, Origin will render to Publisher a detailed accounting of
all sales, current month's returns, and other charges, if any, occurring in
that period. Returns will be deducted from Origin's monthly payment to
publisher in the same month in which the deduction is taken against Origin.

   13. Payments of the amounts due Publisher shall accompany the statement
and shall be made on the following schedule:


   100% of the monies due 120 days after the close of each accounting month,
   with a 15 day grace period.

   14. Origin shall provide to Publisher monthly statements of all sales and
distribution activities. These reports shall record the number of books of
each title received from Publisher, the number shipped to or returned from
booksellers and such other reports that Origin prepares to inform Publisher
of sales of its titles.

   15. In the event that Publisher's monthly returns deduction exceeds the
amounts owed by Origin in any monthly payment period, Origin can, at its
option:

   A. bill Publisher for the amount payable upon presentation, or,

   B. carry the credit balance over to the next period and any thereafter
      until the obligation to Origin has been completely satisfied.

<PAGE>

   16. Origin shall make every effort, short of bad debt collection
procedures or collection lawsuits, to collect from its accounts the monies
due on Origin sales of Publisher's titles. If it is determined by Origin that
it cannot collect receivables from delinquent accounts, then Origin agrees to
turn the delinquent account(s) over to Publisher for collection purposes.
Origin retains the right to provide collection efforts and, if successful,
shall remit to Publisher the pro rata share after costs and expenses of said
collection efforts.

PERFORMANCE BY PUBLISHER

   17. Publisher shall publish titles that include the following information:
copyright information, Library of Congress cataloguing in publication data,
full ISBN number, EAN bar coding and the price printed on the back cover of
each copy and such other data as is standard to the bookselling industry.

   18. Publisher shall provide Origin upon request with seasonal catalog
copy, tip sheet copy, jacket cover art and selling materials as may be
required by the Origin sales force.

   19. Publisher shall inform Origin of its intent to declare titles out of
print in a timely and appropriate manner by written notice. Publisher shall
also advertise all out of print declarations at its own expense. Origin
agrees to handle the placing of such ads.

   20. Publisher shall bear the cost for all advertising, promotion and
publicity to the consumer and trade, except for those basic activities
identified in paragraph 5. Origin must first obtain written consent from
Publisher for any advertising, promotion and publicity expenditures that it
makes on behalf of Publisher.

   21. Publisher holds the right to remainder any of its mint titles as long
as Origin shall be given ninety (90) days written notification prior to the
remainder sale. Publisher shall make all arrangements, and incur all costs,
including packing and shipping with respect to the remainder sale.

   22. Publisher shall be responsible for insuring its inventory being held
in Origin's warehouse, or advising Origin in writing of its decision to
self-insure. Origin's responsibility is limited to careful and prudent
handling of all goods in its possession, but it assumes no responsibility for
fire, theft or other hazards that could be covered by all risk insurance.

MISCELLANEOUS

   23. Titles that are determined to be in unsaleable condition due to damage
or shelf worn conditions resulting from being in retail stores or at
wholesaler premises will be stored separately. Such titles will be returned to
Publisher from time to time or at Publisher's written request, Origin will
destroy such titles, or donate them to an approved charitable organization.

   24. It is understood and agreed that this contract is a sales and
distribution agreement only, and that Publisher retains all of Publisher's
liabilities in their entirety.

<PAGE>

TERMS OF AGREEMENT

   25. This agreement shall be in force for a period of 12 months. Subsequent
cancellation by either Origin or Publisher requires one hundred and twenty
days (120) advance notification before the anniversary date. If notification
is not given then this agreement will renew on a year to year basis with 120
days advance notification still required.

ARBITRATION

   26. Any disputes arising under this Agreement shall be submitted to,
determined and settled by formal arbitration at the joint equal cost of the
parties in Murray, UT, pursuant to the laws of the State of Utah and the
rules of the American Arbitration Association. The parties agree to be bound
to and abide by the arbitration decision.

   27. Any notice to be given under this agreement shall be in writing and
may be effected, either by personal delivery, or by U.S. mail, return receipt
requested. Mailed notices shall be sent to the parties at their following
addresses:

   Origin Book Sales, Inc.        Lighthouse Publishing Group
   Mike Hurst                     Attn: Cheryle Hamilton
   6200 South                     14675 Interurban Ave South
   Murray, UT 84107               Seattle, WA 981684664



In witness whereof, each of the parties hereto have caused its duly
authorized representative on its behalf to execute this agreement.

Origin Book Sales, Inc.           Lighthouse Publishing Group, Inc.

/s/ Mike Hurst                    /s/ Cheryle Hamilton
-----------------------           ----------------------
Mike Hurst, General Manager       Cheryle Hamilton, Executive Administrator
10-1-97                           9-27-97
------------------                ---------------
Date                              Date

<PAGE>

CONTRACT ATTACHMENT "A"

Titles to be sold by Origin Trade Books, Inc. for Lighthouse Publishing
Group, Inc.

      Wallstreet Money Machine
      Real Estate Money Machine
      Stock Market Miracles
      How to Pick up Foreclosures
      Brilliant Deductions
      Bear Market Baloney
      Business Buy The Bible

<PAGE>

ATTACHMENT "B"

<TABLE>
<CAPTION>

Account                                                  Street                                City           State  Zip
<S>                                                      <C>                                   <C>            <C>    <C>
1   American Wholesale Book Co./Books A Million          4350 Dryson Blvd                      Florence          AL  35630
2   B. Dalton Booksellers                                111 Fifth Ave, 2nd Fl                 New York          NY  10011
3   Baker & Taylor                                       44 Kirby Avenue                       Somerville        NJ  08876
4   Barnes & Noble                                       111 Fifth Ave, 2nd Fl                 New York          NY  10011
5   Barnes & Noble #200                                  6 E. 18th St.                         New York          NY  10003
6   Othelot                                              1829 Reisterstown Rd. #130            Baltimore         MD  21208
7   Bookazine                                            75 Book Road                          Bayonne           NJ  07002
8   Bookland of Maine                                    78 Atlantic Place                     South Portland    ME  04106
9   Borders, Inc.                                        515 East Liberty                      Ann Arbor         MI  48108
10  Brodard                                              500 Arch St.                          Williamsport      PA  17705
11  Clean Well Lighted Place for Books                   601 Van Ness Ave                      San Francisco     CA  94102
12  Collseum Books                                       1775 Broadway, Ste 507                New York          NY  10019
13  Crown Books Inc.                                     3300 7th Ave.                         Landover          MD  20785
14  Follett College Stores                               400 W Grand                           Elmhurst          IL  60126
15  Hastings                                             3601 Plains Blvd. Suite 1             Amarillo          TX  19102
16  Ingram                                               1 Ingram Rd.                          La Vergne         TN  37088
17  Lauriat's Inc/Encore/Royal                           10 Pequot Way                         Canton            MA  02021
18  Marboro Books                                        One Pond Road                         Rockleigh         NJ  07647
19  Musicland Group                                      2001 Musicland Dr.                    Franklin          IN  46131
20  NACS Corp                                            528 E. Lorain St.                     Oberlin           OH  44074
21  New England Mobile Book Fair                         82 Needham St.                        Newton Highlands  MA  02161
22  Powell's Books                                       1005 Av Burnside                      Portland          OR  97209
23  Rizzoli Bookstore                                    300 Park Ave South                    New York          NY  10010
24  Tattered Cover                                       1628 16th Street                      Denver            CO  80202
25  Tower Books                                          2601 Del Monte Street                 W. Sacramento     CA  92691
26  Virgin Megastore                                     4751 Wilshire Blvd.                   Los Angeles       CA  90010
27  Waldenbooks                                          3451 S. State St.                     Ann Arbor         MI  48108
28  Waterstone's                                         2191 Hornig Road                      Philadephia       PA  19116

</TABLE>

Source: OneCLE Business Contracts.