Exhibit 10.20

                                   MEMORANDUM
                                  26 March 2003

TO:      Pres (BB Sahay), Payroll (P. Baboota), A/P (G. Cox), H/R (C. Hanna),
         Admin (C. Cumberland)

FROM:    VPMed (C. Wallace)

SUBJ:    NEW BRANCH OFFICE LOCATION FOR CALIFORNIA COASTAL REGION AND CHANGE OF
         ADDRESS FOR FRED BROOKS.

      A.    TII now has an official office location for the California Coastal
            Region. It is in the town of Morro Bay, located quite near
            California Men's Colony and near San Luis Obispo.

      B.    This is also the new residence for Fred Brooks, the Branch Manager.

      C.    The new address and telephone number is:


                              2573 GREENWOOD AVENUE
                           MORRO BAY, CALIFORNIA 93442
                           TEL. AND FAX: 805-771-8159

      D.    TII has agreed to pay half of the rent for this location since it is
            an office as well as a residence. Please see that Fred receives this
            payment by the first of the month. The total rent it: $1,150.00 /
            month, so that would mean that we pay Fred

                                     $575.00

            as rent. Please pay him prior to the first of the month.

      E.    At this moment, Fred is having problems with the new telephone line.
            He is trying to get this corrected today. He is able to receive
            calls, and can call locally or in 800 numbers, but otherwise cannot
            call (or FAX) outside the 805 area code.

      F.    I have asked him to FAX in the latest time sheets from some local
            store such as Kinko's.


<PAGE>


                    STANDARD MONTH TO MONTH RENTAL AGREEMENT
                APARTMENT ASSOCIATION OF LOS ANGELES COUNTY, INC.
          (PREPARED IN ACCORDANCE WITH CALIFORNIA LANDLORD-TENANT LAW)


                                                                   APARTMENT NO.

     LANDLORD: JEAN R. RANKIN

     TENANT: FRED BROOKS BAY

     PREMISES: 2573 GREENWOOD MORRO

A.   Term:           Month to Month            H.   Liquidated Damages:   $1,000

B.   Beginning       March 15th 2003           I.   Premises Preparation  $0
     Date:                                          Charge:

C.   Rent Per        $1,150                    J.   Utilities Provided    NONE
     Month:

D.   Date Rent Due:  1st DAY EACH MONTH        K.   Parking Charge        $0

E.   Late Rent       $10 PER DAY AFTER 5 DAYS  L.   Key Deposit           $0
     Charge:

F.   Security        1,000                     M.   Children              NO
     Deposit:

G.   Minimum         TWELVE MONTHS             N.   Charitable            ----
     Tenancy:                                       Organizations

1st MONTHS RENT PRORATED 03-31-03                ONE DOC OK AT $5.00 P/MTH EXTRA

      TENANT AGREES THAT each of the terms of this Agreement and of Landlord's
Rules and Regulations, if any, constitutes an independent condition on Tenant's
right to possession of the Premises. Any failure by Tenant to comply with one or
more of such terms shall constitute a default hereunder and Landlord may
terminate Tenant's right to possession of the Premises and/or forfeit this
Agreement, in any manner provided by law.

      FURTHER, TENANT AGREES THAT:

1.    Term/Beginning Date: The Term of this tenancy, for the Premises described
      above, and the Beginning Date thereof, are designated in Sections A and B.

2.    Rent/Late Rent Charge: Tenant shall pay to Landlord the rend due in
      advance, for each rental month. In the amount and on the date designated
      in Sections C and D. In the event that the Beginning Date of this
      Agreement is a day other than the first day of the month, the rent shall
      be prorated to the first day of the succeeding month. Should Tenant fail
      to pay an installment of rent of any portion thereof, when due, Tenant
      shall pay the amount designated in Section E. to Landlord, as a Late Rent
      Charge. At Landlord's election, such Charge shall be deemed additional
      rent for such rental month and collected as such, or landlord may deduct
      such Charge from Tenant's Security Deposit. Any claim by Tenant for a
      refund of the Security Deposit shall be deemed compensated to the extent
      of any deduction of such Charge. Such Charge shall be deemed Liquidated
      Damages in as much as Landlord's damages (preparation of notice, service
      of notice, collection attempts, extra man-hours and bookkeeping, etc.)
      would be impracticable or extremely difficult to compute under
      C.Css.ss.1670, 1671 and C.C.P.ss.1951.5.

3.    Security Deposit: Tenant shall deposit with Landlord the amount designated
      in Section F to secure Tenant's compliance with all of the conditions of
      this Agreement and Landlord's Rules and Regulations, if any. The Deposit
      shall not be deemed rent for any rental month, unless Landlord so elects,
      nor shall it constitute a measure of Landlord's damages in the event of a
      default by Tenant. Tenant shall not be entitled to any Interest on this
      Deposit, nor of any deposit made under this Agreement. In the event of a
      default by Tenant under the conditions of this agreement or Landlord's
      Rules and Regulations, if any, Landlord may deduct that amount necessary,
      from the Deposit, to compensate Landlord for all damage caused by such
      default. Should a written notice designating the amount of the deduction
      and explaining the reason thereof. If Tenant fails to pay that amount to
      Landlord within 3 days, Landlord may deem such failure a default under
      this Agreement and proceed in any manner provide by law. Upon termination
      of the tenancy, for any reason whatsoever, as much of the Deposit as is
      reasonably necessary shall be used for repair of the Premises and its
      appurtenances, over and above normal wear and tear, and to compensate
      Landlord for any unpaid rent or Liquidated Damages. If the Deposit is
      insufficient for such purpose, Landlord, may proceed with collection of
      the deficiency from Tenant. Acceptance of a refund of all or a portion of
      the Deposit, by Tenant, shall constitute a full and final release of
      Landlord from any and all claims of Tenant, of any nature whatsoever.

4.    Minimum Tenancy: Unless a different period is designated in Section G.
      Tenant shall be liable to Landlord for rent for a period of 6 consecutive
      months following the Beginning Date hereof, if Tenant's tenancy is
      terminated during said period by Tenant (unless due to Landlord's default
      or by Landlord due to Tenant's default. Tenant shall pay an amount equal
      to the Security Deposit, to Landlord, as Liquidated Damages and Landlord
      may apply Tenant's Security Deposit in payment of such amount. Any claim
      by Tenant for a refund of this Security Deposit shall be deemed
      compensation to the extent of any such application of the Security
      Deposit. The amount so applied shall be deemed Liquidated Damages in as
      much as Landlord's damages (lost rent, cost of advertising, re-rental,
      etc.) would be impracticable or extremely difficult to computer under
      C.C.ss.ss.1670, 1671 and C.C.P.ss.1951.5. II Tenant's tenancy is
      terminated by Landlord under Paragraph 15 hereof, this paragraph shall not
      apply.

5.    Premises Preparation Charge: Tenant shall pay to Landlord the amount
      designated in Section I, as a Premises Preparation Charge. Such Charge
      constitutes a part of the consideration paid by Tenant for the rental of
      the Premises and it shall not be deemed to be a payment or deposit made to
      secure the performance of Tenant's obligations under this Agreement.

6.    Utilities: Tenant shall pay for all utilities and/or services supplied to
      the Premises, except those designated in Section J. In the event of any
      --- in the payment of rent by Tenant, if feasible, Landlord may instruct
      any utility company, henceforth, to charge any utilities, so designated,
      to Tenant to place the same in Tenant's name. Tenant shall pay for all
      such utilities thereafter.


Form No. 17 - Unfurnished Apa
(Form No. 17 plus Form No. 17A                       - Furnished Apartments)

(C)Apartment Association of Los Angeles County, Inc. - 1975
557 South Oxford Avenue, Los Angeles, California 90026  Telephone 384-4131