LAZZARA FINANCIAL ASSET RECOVERY INC 8-K/A

AMENDMENT NO. 1

ARTICLES OF INCORPORATION OF CATHAYONLINE INC.

BY-LAWS OF CATHAYONLINE, INC.

CERT OF INCORPORATION OF CATHAYONLINE (BVI) LTD.

MEMORANDUM & ARTICLES OF ASSOC. CATHAYONLINE (BVI)

CERT OF INC OF CATHAYONLINE TECH (HONG KONG) LTD.

MEMO & ARTICLES OF ASSOC CATHAYONLINE (HONG KONG)

CERT. OF INC. SICHUAN CATHAYONLINE

ARTICLES OF ASSOC SICHUAN CATHAYONLINE

CERT. OF INC. TORCHMAIL.COM, INC.

MEMO & ARTICLES OF ASSOC TORCHMAIL.COM, INC.

SPECIMEN FORM OF COMMON STOCK CERTIFICATE

FORM OF WARRANT ISSUED TO EMPLOYEES & CONSULTANTS

FORM OF WARRANT ISSUED IN APRIL 1999 OFFERING

FORM OF WARRANT ISSUED IN JUNE 1999 OFFERING

FORM OF WARRANT

MANAGEMENT. OPERATING & CONSULTANCY AGREEMENT

AGREEMENT TO ACQUIRE TORCHMAIL.COM, INC.

RESELLER AGREEMENT

AGREEMENT WITH MOORGATE MANAGEMENT INC.

LETTER OF INTENT WITH CLEAN WAY CORP.

EMPLOYMENT AGREEMENT BRIAN RANSOM

MANAGEMENT AGREEMENT WITH OWEN LI

CONSULTING AGREEMENT WITH PERER LAU

PUBLIC RELATIONS AGREEMENT TALK STOCK WITH ME INC.

SHARE PURCHASE AGREEMENT

AGREEMENT WITH REGISTER.COM

LEASE AGREEMENT WITH SICHUAN DONGFU GROUP COMPANY

SOBLEASE FOR OFFICE

LEASE AGREEMENT WITH BEIJING TONGKAI DEVELOPMENT

LEASE AGREEMENT WITH HARWOOD CORPORATION

CONSENT OF ROBISON, HILL & CO.

CONSENT OF BARRY L. FRIEDMAN, P.C.

CONSENT OF BEIJING SAGE LAW FIRM

OPINION OF BEIJING SAGE LAW FIRM

FDS 12/31/99, 06/30/99, AND 06/30/98