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                                                                    Exhibit 10.8

Translated From Japanese

RISONA BANK STANDARD LOAN TERMS AND CONDITIONS (TRANSLATION)

Dated: 2006/6/30

CLIENT: GLOBAL HOT LINE CO., LTD.
   Representative Director:  Hideki Anan
   Nishi-Shinjuku Showa Bldg 11F
   1-13-12 Nishi Shinjuku Shinjuku-ku Tokyo Japan
   TEL: 03-5909-1561 FAX 03-5909-1562

BANK: RISONA BANK K.K. SHINJUKU BRANCH
   Branch Manager:  Masafumi Igaki
   3-2-1 Shinjuku Shinjuku-ku Tokyo Japan

The client above (will be referred as "Client") and Risona Bank K.K. ("Bank")
have agreed to the following articles regarding to transactions between them.

ARTICLE 1 LIMITS OF APPLICATION

o  Each article of this contract shall be applied, excluding particular cases
   mutually agreed on, on all the cases between Client and Bank such as
   Discounts on bills, Loan Notes, Promissory Notes, Overdrafts, Payment
   Acceptance, Foreign Exchange, Derivatives, and all the other transactions on
   which Client will owe Bank liabilities.

o  Transactions between the Bank and a third party guaranteed by the Client are
   included in the preceding clause.

o  When the Bank receives, through transactions with a third party, the bills
   that the Client drew, endorsed, accepted, agreed upon, or guaranteed, the
   Client shall fulfill their liabilities according to each article in this
   contract.

ARTICLE 2 BILLS AND LOANS

   The bank has the right to select any method of repayment for in the case of
   paper bills accompanying and loans.

                                      -1-

ARTICLE 3 INTEREST AND PENALTIES

o  Interest rates, timing of payments, and methods of payment regarding
   interest, discounts, guarantees fee, service fees or returns of these that
   the Client owes shall be determined additionally between the Client and the
   Bank. If financial conditions change or when a similar matter occurs, either
   party may suggest consultation regarding changing these into ones considered
   to be generally reasonable.

o  It shall be dealt with as stated in the preceding clause if there is a change
   in the Bank's state of preservation of the Client's debt because of a change
   in the Client's financial situation, changes in the value of collateral and
   so on.

o  Should the Client default on payments, the Client shall pay 14 percent of the
   capital per year as compensation. In this case it will be prorated for 365
   days.

ARTICLE 4 COLLATERAL

o  When there is a reason for which Bank needs to preserve the collateral given
   to Bank such as it gets damaged, extinct or its value decreases for a reason
   not attributable to Bank or when the credibility of Client or its guarantor
   decreases, Clients shall provide Bank with a collateral or a guarantor
   approved by Bank or add collateral or a guarantor.

o  When Clients defaults on payment, Bank can dispose the collateral not in a
   legal procedure but in a generally accepted way, timing and price. Bank can
   deduct the fees from the acquired amount and allot it to discharge Client's
   debt. When it does not discharge all of Client's debt, Client shall pay the
   rest immediately. If it is more than Client's debt, Bank will return the rest
   to whom the collateral belongs.

o  When Clients defaults on payment, bank can do same as above to client's
   occupied estate, handprints, and other securities.

                                      -2-

ARTICLE 5 LOSS OF PROFIT IN TERM

o  If at least one of the following occurs to the bank, without any bank
   peremptory notice from the borrower, the bank will lose all of its profit due
   to the liability, immediate settlement to the liability is required.

   a. In the case of the following statements, bank suspension, bankruptcy,
      civil rehabilitation proceedings, corporate reorganization proceedings,
      initiation of company reorganization or special liquidation.

   b. When received a suspension of bill clearinghouse.

   c. When a client or his deposit guarantor and other tentative garnishments,
      to send a writ and notification of protective garnishment and garnishment.

   d. In addition client deposit guarantor and other tentative garnishments
      which bank provide approved collateral, or client noticed to bank in
      writing promptly that come up with a guarantor,

o  And if bank admits a profit in term as before, bank notices to client that in
   writing.

   a. When the notification what bank send to client returns, if client is not
      in.

   b. If at least only one case of following items will come into, by the demand
      of bank, client will lose all profits and immediately to perform of
      Client's debt.

   c. When the Client is not to be late for discharging to the bank even in a
      part of Client's debt. When to be a garnishment or to start an auction
      procedure for subject matters of collateral.

   d. When client will violate an agreement between bank and client.Guarantor
      correspond to any of the previous articles and these every items.

   e. When the case will be considerable causes to need the previous articles
      and other approved collateral.

o  In previous article, if the invoice from bank will arrive late or not arrive,
   the reason why client by the client responsibility, which client will not
   notice of removal, or the invoices will not be delivered, the profit in term
   will lose scheduled time.

                                      -3-

ARTICLE 6 DISCOUNTED BILL REDEMPTION

o  If a discounted bill redemption is received, and is applicable to the
   following bill, the bank should assume full responsibility for the
   redemption, as stated on the bill section, and should discharge it
   immediately.

   a. If one of the terms in the preceding article is violated, all bills.

   b. If the person in charge of the bill does not pay by the due date, or if
      the person violates the terms in the preceding article, the bill of the
      person.

o  If there is a reason for the borrower to require discounted bill
   preservation, depending on the claim from the borrower, the bank should pay
   the discounted discharge of the amount listed on the bill, and should
   discharge it immediately. Moreover, if there is an occasion when the bank
   fails to notify the borrower of any address change, or the payment from the
   borrower is delayed or does not reach the bank due to the bank denying the
   receipt the payment from the borrower, the borrower is said to have paid the
   redeem on scheduled time.

o  Unless the bank fulfills the preceding two terms, the borrower is able to
   exercise the right as a bill holder.

ARTICLE 7 CALCULATION IN CASE OF OFF-SET

o  If the bank has to fulfill the liability against the borrower, due to arrival
   of the due date, loss of profit upon due date, occurrence of discounted
   discharge, compensation discharge, or due to other reasons, the borrower can
   off-set the liability of the bank deposit, and any other liabilities
   regardless of the liability due-dates at any time. As to the bank deposit and
   other liabilities, the advance notice and prescribed procedure can be
   omitted, refunded, cancelled, and with the income the discharge to the
   liability is said to be made.

o  Upon the calculation in case of off-set stated in the preceding section, the
   calculation of interest due to liability discharge, discounted fare, loss
   amount and balance amount are based up until the date of the off-set
   calculation. The interest rate and price rate are to be set by the borrower,
   and as to the foreign exchange the rate is applied at the time of
   calculation.

                                      -4-

ARTICLE 8 (SAME TITLE AS ABOVE ARTICLE)

o  The bank can offset the borrower's bank deposit and other liability that are
   in the period of discharge, before the liability due date.

o  If the bank off-sets the discount bill before the expiration date in
   accordance to the preceding section, the bank can off-set by paying the
   redemption discharge stated on the bill

o  If the off-set is approved through the preceding two sections, the off-set
   notice should be on paper, and the off-set deposit, and other liability right
   certification, book, should be submitted immediately to the borrower.

o  In the case of off-set, the liability discharge, discounted fare, loss amount
   and balance amount are based upon until the date of off-set notice receipt.
   Moreover, as to interest, price rate, and such, unless there is a fixed rule
   between the bank and the borrower the borrower can set a rule. As to the
   foreign exchange the rate is applied at the time of calculation. Will there
   be a special rule for the service charge for the before-deadline discharge,
   it is set according to the rule.

o  In the case of off-set from the bank to the borrower, due to accidents
   requiring insurance stated by the deposit insurance law, the borrower can
   follow the deposit regulations and trust contract set by the borrower,
   according to the first section in this article and/or preceding sections.
   However, should there be a difference in regulations between the first
   section in this article and the deposit regulation and trust contract set by
   the borrower, the latter is applied.

ARTICLE 9 BILL PRESENTATION, EXECUTION

o  If a bill exists for the bank liability, and the off-set calculation of
   article 7 is made regardless of the bill liability, the reclamation of the
   bill shall not be made at the same time.

o  If there exists a bill for the borrower to claim due to the off-set
   calculation from the preceding 2 articles, the bill should result in a smooth
   receipt from the bank to the borrower. However, as for the bills before the
   expiration, the borrower is not subject to collect them.

                                      -5-

o  When the borrower calculates liability off-sets on bills based on article 7,
   only in the next cases, there is no necessity for the bill presentment and
   execution. The receipt if the bill is based on the preceding terms.

   a. If the location of the bank is not clear to the borrower.

   b. The location of the payment is not clear to the borrower.

   c. The delivery of the bill is acknowledged to be difficult.

   d. Omission of the presentation and execution is acknowledged, due to
      presentation or execution reasons.

o  Even in the off-set calculation in the preceding 2 articles , if there is a
   liability for the bank that needs to be fulfilled immediately, and there is
   person in charge apart from the bank, the borrower is to hold the bill,
   collect or dispose, and is suitable for settlement for the liability.

ARTICLE 10 ASSIGNMENT OF THE APPROPRIATION BY THE BORROWER

o  In the case of off-set calculation by the settlement or article 7, if there
   is not enough to defunct the whole liability from the bank to the borrower,
   the borrower is acknowledged to be appropriated, and the bank does not object
   to the appropriation. In this case, the borrower will notify the
   appropriation results to the bank in writing.

ARTICLE 11 ASSIGNMENT OF THE APPROPRIATION BY THE BANK

o  In the case of bank off-setting by article 8, if there is not enough to
   defunct the whole liability from the bank to the borrower, the bank is able
   to appropriate according to the one-by-one manner assigned by the paper from
   the bank to the borrower.

o  If the bank has not assigned the preceding section, the borrower is able to
   appropriate according to the opportune one-by-one manner, and the bank does
   not object to the appropriation. In this case, the borrower will notify the
   appropriation results to the bank in paper.

                                      -6-

o  If there is a possibility for the liability convention of the borrower to be
   obstructed, by considering the assignment of the first section, pledge,
   possession of the certification, importance, difficulty of the disposal,
   length of liquidation period, settlement expectation for the discount bills,
   it is possible to appropriate according to the assignment by the borrower. In
   this case, the borrower will notify the appropriation results to the bank in
   paper.

o  If the borrower appropriates through the preceding 2 sections, unexpired
   liability for the bank will be considered as expired, and liability
   redemption will be applied to the discount bills prior to expiration. For the
   payment acceptance, compensation claim debt in advance will be considered to
   have been paid by the bank, and the borrower is able to assign the one-by-one
   method.

ARTICLE 12 BEARING OF RISK AND EXCLUSION OF LIABILITY CLAUSE

o  Client assumes all responsibilities for damages.

o  Client absorbs damages concerning collateral from client to bank, if any
   trouble shall occur due to unavoidable circumstance, except where reason to
   believe bank is at fault.

o  Client absorbs full responsibility for face value of bill due to temperament
   and bill is no longer valid..

o  Bank will do background check on certified seals. If found to be false,
   counterfeit or altered, client will be responsible for damages and repayment
   of loan.

ARTICLE 13 UPDATED CORPORATE INFORMATION

o  Client should report any change in the seal, name, trade name,
   representative, address, and any other reported particulars, immediately in
   writing.

o  Failing to practice the preceding, or not receiving notices from the
   borrower, and if the notice or the documents sent by the borrower are delayed
   or do not reach, they will be considered as reached on schedule.

                                      -7-

ARTICLE 14 REPORT AND RESEARCH

o  Client should submit balance sheet, statement of profits and losses, and
   copies of documents acknowledged by the bank such as research on the client's
   property, management and updates. o Client should submit other documents as
   requested by bank in a timely manner related to ongoing performance of the
   company.

o  Client should report any material matter to the bank in a timely manner.

o  If the client is an individual, he/she is to report any information related
   to family court issues in a timely manner.

ARTICLE 15 CONTACT

o  Each article in provisional contract will apply commonly to the transaction
   between the branch office, the bank and the borrower.

ARTICLE 16 DISCHARGE OF A CONTRACT

o  If the client no longer has any debts owing to the bank, the contract will be
   discharged by either the client or bank through notice in writing.

ARTICLE 17 RULING LAWS, JURISDICTION

o  This contract and this ruling law and any transactions between the client and
   the bank based on this contract are carried out under Japanese laws.

o  If it is necessary to proceed to a the court case about transactions based on
   this contract, local courts in Osaka Prefecture and Tokyo, or the courts
   which have jurisdiction (over) each location of correspondents shall hold
   jurisdiction.

                                      -8-
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