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                                                                   EXHIBIT 10.18


     THIS LOAN AGREEMENT IS MADE ON THE 31ST DAY OF MARCH 2001.

     BETWEEN

     1)   SUPPLY CHAIN SERVICES LIMITED, whose registered office is situated at
          31 New Henry House, 10 Ice House Street, Central, Hong Kong (the
          "Borrower"); and

     2)   GI-TECH DEVELOPMENTS LIMITED, whose registered office is situated at
          31 New Henry House, 10 Ice House Street, Central, Hong Kong (the
          "Lender"); and

     WHEREAS:-

     1)   The Lender is a shareholder of Supply Chain Services Inc. which is a
          company incorporated in the United States of America and holding
          beneficially 100% issued and paid-up share capital of Supply Chain
          Services Limited, a company which is incorporated in Hong Kong and
          holding beneficially the entire issued and paid-up share capital of
          the Borrower.

     2)   The Borrower is presently indebted to the Lender in the in the sum of
          HK$631,577.55 (the "Indebtedness") over the period from January 1,
          2001 to March 31, 2001.

     NOW THIS LOAN AGREEMENT WITNESSETH AND IT IS HEREBY AGREED as follows:-


1.   INTERPRETATION

     1.1  Words importing the singular number only shall include the plural and
          vice vera and words importing any gender shall include every gender
          and words importing persons shall include firms and corporations.

     1.2  References to Clauses shall (save where otherwise expressly stated) be
          construed as references to the Clauses of this Subordination
          Agreement. Clause headings are inserted for convenience of reference
          only and shall be ignored in the interpretation of this Loan
          Agreement.


2.   TERMS OF THE LOAN

     2.1  The Borrower and the Lender acknowledge to and agree with each other
          that for so long as the Indebtedness remains outstanding, this Loan
          Agreement and all the terms, covenants, conditions and stipulations
          herein contained will continue, and the Indebtedness is and shall be
          subject to the following terms and conditions:-

          a)   the Indebtedness shall not be subject to payment of interest
               (although interest may accrue thereon);

          b)   the Indebtedness shall be repayable or repaid in whole within 12
               months, except in the event of any proceedings analogous to the
               winding-up, liquidation or dissolution of the Borrower; and
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          c)   the Indebtedness is and shall remain unsecured by any mortgage,
               charge, debenture or other security of any kind over the whole or
               any part of the assets of the Borrower and is not and shall not
               be capable of becoming subject to any right of set-off or
               counterclaim.

     2.2  Neither the Lender nor the Borrower shall (without prior written
          consent of the other party) assign or purport to assign the
          Indebtedness to any third party.


3.   ASSIGNABILITY

     3.1  This Loan Agreement is not capable of assignment in whole or in part
          except with prior consents in writing of the Borrower and the Lender.


4.   NOTICES

     4.1  All notices and other communications required to be made or given
          under the terms of this Loan Agreement or in connection herewith shall
          be given by or made to the parties hereto in writing and delivered by
          hand or by registered mail or by facsimile, and shall be addressed to
          the appropriate party at the address set out in this Loan Agreement or
          to such other address as such party hereto may from time to time
          designate to the other in writing.

     4.2  Any notice, request, demand or other communications given or made
          shall be deemed to have been received in the case of communications in
          writing and delivered by hand on the date of delivery against written
          receipt, in the case written communications sent by registered mail on
          the date which is 2 business days in the case of local mail or 8
          business days in the case of overseas mail after the mailing thereof,
          and in case of a facsimile the same day after the date of dispatch
          thereof provided that a "successful transmission" receipt is obtained.


5.   MISCELLANEOUS

     5.1  All costs and expenses of and incidental to the preparation of this
          Loan Agreement shall be borne by the Borrower.

     5.2  Any provision of this Loan Agreement prohibited by or unlawful or
          unenforceable under any applicable law actually applied by any court
          of competent jurisdiction shall, to the extent required by such law,
          be severed from this Loan Agreement and rendered ineffective so far as
          is possible without modifying the remaining provisions of this be
          waived, they are hereby waived by the parties hereto to the full
          extent permitted by such law to the intent that this Loan Agreement
          shall be valid and binding agreement enforceable in accordance with
          its terms.

     5.3  No modification, variation or amendment of this Loan Agreement shall
          be effective unless such modifications, variations or amendment is in
          writing and has been signed by or on behalf of both the parties
          hereto.

     5.4  This Loan Agreement shall be governed by and construed and interpreted
          in all respects in accordance with the laws of Hong Kong, and the
          parties hereto hereby irrevocably submit to the non-exclusive
          jurisdiction of the Hong Kong courts.
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     IN WITNESS whereof the parties hereto have duly executed this Loan
Agreement on the day and year first herein before written.



THE BORROWER

SEALED with the COMMON SEAL of          )
SUPPLY CHAIN SERVICES LIMITED           )       For and on behalf of
And SIGNED by                           )       SUPPLY CHAIN SERVICES LIMITED
                                        )
in presence of: /s/ Tsang Chi Ling      )
                ------------------      )
                                        )             /s/ Pauline Chu
                                        )       -----------------------------
                                        )          Authorized Signature(s)
                                        )
                                        )
THE LENDER                              )
                                        )
SEALED with the COMMON SEAL of          )
GI-TECH DEVELOPMENTS LIMITED            )       For and on behalf of
And SIGNED by                           )       GI-TECH DEVELOPMENTS LIMITED
                                        )
in presence of: /s/ Tsang Chi Ling      )
                ------------------      )
                                        )              /s/ Thomas Chu
                                        )       -----------------------------
                                        )          Authorized Signature(s)