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                                                                EXHIBIT 10(D)


                              EMPLOYMENT AGREEMENT

         THIS EMPLOYMENT AGREEMENT ("Agreement") is made as of September 1,
1999, between Greenland Corporation, a Nevada corporation (hereinafter referred
to as "Greenland") and Lee R. Swanson ("Employee").

         1.       TERM OF EMPLOYMENT

         Greenland hereby employs Employee and Employee hereby accepts
employment with Greenland for the period beginning on September 1, 1999, and
terminating on September 1, 2000. Thereafter, this Agreement and Employee's
employment hereunder shall be automatically renewed for a one-year term. As
used herein, the phrase "employment term" refers to the entire period of
employment of Employee by Greenland hereunder; whether for the period
provided above, or terminated earlier as hereinafter provided, or extended by
mutual agreement of Greenland and Employee.

         2.       DUTIES OF EMPLOYEE

                  2.01 GENERAL DUTIES. Employee shall serve as a member of
the Board of Directors of Greenland and President of Check Central, Inc.
Notwithstanding the foregoing, the precise services of Employee may be
specified or changed from time to time at the discretion of the Board of
Directors of Greenland provided that any such change shall be consistent with
Section 2.02.

                  2.02 SPECIFIC DUTIES. Employee's responsibilities shall be
to act as the President of Check Central, Inc. Mr. Swanson shall serve as a
member of the Board of Directors of Greenland and on such committees of the
Board of Directors to which he is appointed. Mr. Swanson shall specifically
and without limitation have the responsibility to carry out the policies
established by the Chief Executive Officer of Greenland with respect to the
operations of Check Central, Inc.

                  2.03 DEVOTION OF ENTIRE TIME TO GREENLAND'S BUSINESS. Employee
shall devote his entire productive time, ability and attention to the business
of Greenland during the term of this Agreement. Employee shall not directly or
indirectly render any services of a business, commercial, or professional nature
to any other person or organization, whether for compensation or otherwise,
without the prior written consent of the Board of Directors of Greenland. Those
entities or organizations which the Board of Directors approve and the nature of
the service to such entity which is approved shall be listed on Exhibit "A" to
this agreement, which shall be signed by a member of the Board of Directors. In
addition, Employee may participate in social, civic or professional
associations, provided such activities do not compete directly with the business
of Greenland and such activities do not interfere materially with the
performance of Employee's duties under this Agreement. Notwithstanding the
foregoing, this paragraph shall not be construed as preventing Employee from
investing his assets in such other manner as will not require anything other
than incidental services on the part of Employee in the operation of the affairs
of any entity in which the investments are made.

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                  2.04 UNIQUENESS OF EMPLOYEE'S SERVICES. Employee hereby agrees
the services to be performed by him under the terms of this Agreement are of
special, unique, unusual, extraordinary, and intellectual character which gives
them a peculiar value, the loss of which cannot be reasonably or adequately
compensated by monetary damages in an action at law. Employee therefore
expressly agrees that Greenland, in addition to any other rights or remedies
which Greenland may possess, shall be entitled to injunctive and other equitable
relief to prevent a breach of this Agreement by Employee.

                  2.05 LOYAL AND CONSCIENTIOUS PERFORMANCE OF DUTIES.
Employee agrees, to the best of his ability and experience, he will at all
times loyally and conscientiously perform all of the duties and obligations
either expressly or implicitly required of him by the terms of this Agreement.

         3.       COMPENSATION OF EMPLOYEE

                  3.01 BASE SALARY. As compensation for services hereunder,
Greenland shall pay Employee a base salary ("Base Salary") of One Hundred Forty
Four Thousand Dollars ($144,000.00) per year for the period beginning on
September 1, 1999, and terminating on September 1, 2000. The Base Salary shall
be payable in accordance with the normal payroll practices of the Company then
in effect. The Base Salary and all other forms of compensation paid to Employee
hereunder shall be subject to all applicable taxes required to be withheld by
the Company pursuant to federal, state or local law. The Base Salary shall be
increased by a minimum of 10% of such Base Salary at each year's anniversary
hereof, and in addition thereto the Company in its sole discretion may also
increase the Base Salary from time to time as determined by the Board or a
committee of the Board.

                  3.02 BONUS. In addition to the Base Salary above, Employee
shall receive a bonus equal to 25% of his Base Salary upon Greenland shipping 50
check cashing machines; a bonus equal to 50% of his Base Salary upon Greenland
shipping a total of 100 check cashing machines; a bonus equal to 75% of his Base
Salary upon Greenland shipping a total of 200 check cashing machines; and
Employee shall receive a bonus equal to 100% of his Base Salary upon Greenland
shipping 500 check cashing machines. Employee shall also be entitled to
participation in any other bonus program in effect for Greenland during the
employment term.

         4.       EMPLOYEE BENEFITS

                  4.01 MEDICAL, VISION, DENTAL INSURANCE COVERAGE. Greenland
agrees to include Employee in any hospital, surgical, and medical, vision and
dental benefit plan adopted by Greenland for other employees, at no cost to
Employee, and to include Employee in all additional medical and dental benefit
plans provided to other executives of Greenland. To the extent Employee
qualifies for required COBRA health continuation coverage ("COBRA Coverage")
upon termination of his employment, and for a period of twelve months
thereafter, Employee shall be entitled to receive COBRA Coverage at no cost to
Employee except if Employee is terminated for Cause.

                  4.02 AUTOMOBILE ALLOWANCE. Upon Greenland's receipt of Five
Million Dollars ($5,000,000.00) in revenue from operations, and continuing
thereafter during the employment

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term, Greenland shall provide Employee with a monthly automobile allowance of
$500 per month.

                  4.03 OTHER FRINGE BENEFITS. Employee shall be entitled to
any and all other fringe benefits which Greenland provides for its other
executive employees and for which Employee is qualified, including pension or
profit sharing, stock option and related awards, and vacation and sick leave.

         5.       BUSINESS EXPENSES

                  5.01 ENTERTAINMENT EXPENSES. The services required by
Greenland require Employee to incur entertainment expenses on behalf of
Greenland. Greenland will promptly reimburse Employee for all reasonable
business expenses incurred by Employee in promoting the business of
Greenland, including expenditures for entertainment, gifts and travel upon
presentation of supporting receipts which comply with Greenland's expense
reimbursement policies in effect from time to time.

                  5.02 OTHER BUSINESS EXPENSES. Greenland will promptly
reimburse Employee for all other business expenses reasonably incurred by
Employee in connection with the business of Greenland, provided, however,
unusual business expenses including without limitation first class travel,
and a private office must be approved by the Chief Financial Officer prior to
Employee incurring such expenses.

         6.       TERMINATION OF EMPLOYMENT

                  6.01 EFFECT OF TERMINATION. Employee's employment hereunder
may be terminated by Employee or Greenland as provided in this Section 6
without further obligation or liability except as expressly provided herein.

                  6.02 RESIGNATION, RETIREMENT, DEATH OR DISABILITY.
Employee's employment hereunder shall be terminated at any time by Employee's
resignation (other than by Resignation for Good Reason) or by Employee's
retirement at or after attainment of age 60 ("Retirement"), death or his
inability to perform his duties under this Agreement because of a physical or
mental illness ("Disability"). Disability for purposes of this Agreement
shall mean mental or physical incapacity or both, reasonably determined by
the Board of Directors of Greenland based upon a certificate of such
incapacity by Employee's regular physician, rendering Employee unable to
perform substantially all of his duties herein after a period of 90
consecutive days, or a period of 120 days in any calendar year.

                  6.03 TERMINATION FOR CAUSE. Employee's employment hereunder
may be terminated for Cause. "Cause" shall mean: (i) conviction of a felony
by a court of competent jurisdiction; (ii) material breach of any provision
of this Agreement or any employment policies of Greenland as the same may be
adopted from time to time; (iii) breach of Employee's fiduciary duties of
loyalty and care to Greenland including the appropriation of a material
business opportunity of Greenland; (iv) failure to diligently follow lawful
directions of the Board of Directors to act or refrain from acting; and (v)
wilful misconduct or the failure to discharge his duties in the manner
required of other similarly situated officers in the same industry.
Notwithstanding the foregoing, Employee shall not be terminated for Cause
pursuant to this

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Section 6.03 unless and until (i) Employee has received notice of a proposed
termination for Cause, which notice states in reasonable detail the basis for
the termination, (ii) Employee has had an opportunity to be heard before at
least a majority of the members of the Board of Directors, and (iii) Employee
has been provided a period of 30 days to cure the cause of such termination,
if such termination is capable of being cured. Employee shall have the
opportunity to be represented by counsel at any such hearing before the Board
of Directors regarding his termination. Employee shall be deemed to have had
such an opportunity if given written notice at least 14 days in advance of
such meeting.

                  6.04 TERMINATION WITHOUT CAUSE. Employee's employment
hereunder shall be terminated without cause upon ninety (90) days notice for
any reason, subject to the payment of any amounts required by Section 7
herein.

                  6.05 EXPIRATION. Employee's employment hereunder shall be
terminated upon expiration of the employment term as provided in Section 1.

                  6.06 RESIGNATION FOR GOOD REASON. Following a Change of
Control, as defined in Section 7.04(b), during the employment term Employee
may regard Employee's employment as being constructively terminated and may,
therefore, resign within ninety (90) days of Employee's discovery of any one
of the following events which will constitute "Good Reason" for such
resignation:

         (a) Without Employee's express written consent, the assignment to
Employee of any duties materially inconsistent with Employee's position,
duties, responsibilities and status with Greenland immediately prior to the
Change in Control, or any subsequent removal of Employee from or any failure
to re-elect Employee to any such position;

         (b) A material reduction by Greenland of Employee's Base Salary and
such additional compensatory benefits which are provided to Employee;

         (c) Any purported termination of Employee's employment by Greenland
or the Board of Directors which is not effected pursuant to the requirements
of this Section 6 with respect to Death, Retirement, Disability or
Termination for Cause; and

         (d) Failure of Greenland to renew the Agreement pursuant to Section 1.

         7.       PAYMENTS TO EMPLOYEE UPON TERMINATION

                  7.01 DEATH, DISABILITY OR RETIREMENT. In the event of
Employee's Retirement, death or Disability, all benefits generally available
to Greenland's employees as of the date of such an event shall be payable to
Employee or Employee's estate without reduction, in accordance with the terms
of any plan, contract, understanding or arrangement forming the basis for
such payment. Employee shall be entitled to such other payments as might
arise from any other plan, contract, understanding or arrangement between
Employee and Greenland at the time of any such event.

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                  7.02 TERMINATION FOR CAUSE OR RESIGNATION WITHOUT GOOD
REASON. In the event Employee is terminated by Greenland for Cause or
Employee resigns for other than Good Reason, neither Greenland nor an
affiliate shall have any further obligation to Employee under this Agreement
or otherwise, except to the extent provided in any other plan, contract,
understanding or arrangement, or Section 8 or as may be expressly required by
law.

                  7.03 TERMINATION WITHOUT CAUSE. Except to the extent a
greater amount is payable to Employee pursuant to Section 7.04, upon the
occurrence of a termination without Cause, whether prior to or following the
occurrence of a Change in Control, as defined in Section 7.04(b), Greenland
shall pay to Employee, or in the event of Employee's subsequent death, to
Employee's surviving spouse, or if none, to Employee's estate, as severance
pay or liquidated damages, or both, a lump sum payment equal to the Base
Salary owed, if any, for the remaining term of this Agreement (and any
additional compensation to which he is entitled herein) provided, however,
such payment shall be paid only if Employee executes a general release of
claims in a form acceptable to Greenland releasing any and all claims
Employee has against Greenland arising out of his employment or the
termination of said employment and does not revoke the release pursuant to
its terms. Such payment shall be made not later than the fifth (5th) day
following such termination without cause.

         7.04 TERMINATION WITHOUT CAUSE OR RESIGNATION FOR GOOD REASON AFTER
A CHANGE IN CONTROL.

         (a) If in the one (1) year period following a Change in Control, as
defined below, Employee: (i) resigns for Good Reason; or (ii) is terminated
without Cause, Greenland shall pay to Employee, as severance pay or
liquidated damages, or both, a lump sum payment ("Severance Payment") equal
to two hundred percent (200%) of Employee's average annual Base Salary and
all bonuses received for the five (5) year period immediately preceding the
Severance Payment, or such greater amount as the Board of Directors shall
provide from time to time pursuant to terms which may not be revoked or
reduced thereafter, provided, however, Employee must execute a general
release of claims in a form acceptable to Greenland releasing any and all
claims Employee has against Greenland arising out of his employment or the
termination of said employment and Employee may not revoke the release
pursuant to its terms before he shall be paid any Severance Payment pursuant
to this Section 7.04. However, the total of any payment pursuant to this
Section 7.04(a) shall be limited solely to the extent necessary, in the
opinion of legal counsel acceptable to Employee and Greenland, to avoid the
payment of an "excess parachute" payment within the meaning of Internal
Revenue Code Section 280G of any similar successor provision.

         The Severance Payment shall be made not later than the fifth (5th)
day following the date of termination without Cause or resignation for Good
Reason; provided, however, that if the amount of such payments cannot be
finally determined on or before such date, Greenland shall pay to Employee on
such date a good faith estimate of the minimum amount of such payments, and
shall pay the remainder of such payments (together with interest at the rate
provided in Internal Revenue Code Section 1274(b)(2)(B) of the Code), as soon
as the amount thereof can be determined, but in no event later than the
thirtieth (30th) day after the applicable termination date. The Chief
Financial Officer of Greenland shall calculate the good faith estimate of
such payments, and Greenland shall provide reasonable written documentation

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regarding its good faith estimate of the minimum amount of such payments. In
the event the amount of the estimated payments exceeds the amount
subsequently determined to have been due, such excess shall constitute a loan
by Greenland payable on the fifth (5th) day after receipt by Employee of a
written demand for payment from Greenland (together with interest calculated
as above) accompanied by reasonable documentation from Greenland setting
forth the calculation of such excess.

                           (b) For the purposes of this Agreement,  a "Change
of Control" means,  and shall be deemed to have taken place, if: (i) any
person or entity or group of affiliated persons or entities, including a
group which is deemed a "person" by Section 13(d)(3) of the Securities
Exchange Act of 1934, as amended (the "Exchange Act"), after the date hereof
first acquires in one or more transactions, at least one of which is after
the date of this Agreement, ownership of 25% or more of the outstanding
shares of stock entitled to vote in the election of directors of Greenland;
and (ii) as a result of, or in connection with, any such acquisition or any
related proxy contest, cash tender or exchange offer, merger or other
business combination, sale of all or substantially all of the assets of
Greenland or any combination of the foregoing transactions (other than a
transaction unanimously approved by the members of the Board of Directors
voting thereon), hereinafter referred to as a "Transaction," the members of
the Board of Directors as it was constituted on September 1, 1999, shall
cease to constitute a majority of the membership of the Board of Directors or
any successor to Greenland during the period commencing with the consummation
of the Transaction and ending on the first to occur of: the first anniversary
of such date, or the conclusion of the next meeting of shareholders to elect
directors, except to the extent that any new directors during such period
were elected or nominated by at least a majority of the members of the Board
of Directors as it was constituted on September 1, 1999, as a group as
directors (or new directors who were so nominated or elected). "Ownership"
means beneficial or record ownership, directly or indirectly, other than: (i)
by a person owning such shares merely of record (such as a member of a
securities exchange, a nominee, or a securities depositary system); (ii) by a
person as a bona fide pledgee of shares prior to a default and determination
to exercise powers as an owner of the shares; (iii) by a person who owns or
holds shares as an underwriter acquired in connection with an underwritten
offering pending and for purposes of their public resale or planned private
placement in increments of less than such 25% amount, or; (iv) by the members
of the Board of Directors as it was constituted on September 1, 1999, as a
group or individually, as of the date hereof or their respective successors.
Without limitation, the right to acquire ownership shall not of itself
constitute ownership of shares.

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         8.       DEFERRAL OF PAYMENT

                  Employee may elect to defer all or any part of his
Severance Payment, Base Salary, and any bonus approved by the Board of
Directors until such other time or times as designated by Employee. The
election shall be exercisable by the furnishing of written notice to the
Board of Directors no later than the last day of the year prior to the year
in which the bonus is payable or the benefit vests. Any amounts deferred
shall bear interest at the six (6) month rate applicable to Treasury
securities determined as of the date of Greenland's receipt of the notice
requesting deferral furnished by Employee. Employee may request the Board of
Directors that such deferred amounts and interest thereon be set aside in
trust for the benefit of Employee subject only to claims of the creditors of
Greenland and to such other terms and conditions required by the Board of
Directors and communicated in writing to Employee; provided, however, that
this action shall be taken only in the sole discretion of the Board of
Directors except in the case of a Change in Control, in which case the Board
of Directors shall honor such a request by Employee with respect to any
amounts which have been or may be deferred pursuant to this Agreement.
Employee shall be permitted to withdraw his election to defer his Severance
Payment, Base Salary and any bonus if the Board of Directors denies his
request to have the deferred amounts and interest set aside in such a trust.
Any deferral pursuant to this Section must be accompanied by a statement that
Employee acts with the advice of counsel or waives any such representation.
Greenland has no right to claim an offset against its obligation to pay
Employee any amounts deferred in this Section 8.

         9.       NON-COMPETITION, NON-INTERFERENCE AND CONFIDENTIAL INFORMATION

                  9.01 COVENANT OF THE EMPLOYEE. In consideration of the
Company entering into this Agreement and providing the Base Salary, Bonus and
other benefits to Employee, and further in consideration of the Employee's
continued exposure to confidential information and the Employee's continued
receipt of specialized training from the Company and its subsidiaries, the
receipt of which are hereby acknowledged by the Employee, the Employee
covenants as follows:

                  9.02 NON-COMPETITION. During the Employee's employment
hereunder, the Employee shall not, directly or indirectly, own, manage,
engage in, operate or conduct, prepare to or plan to conduct or assist any
person or entity to conduct any business, or have any interest in any
business, person, firm, corporation or other entity (as a principal, owner,
agent, employee, shareholder, officer, director, joint venturer, partner,
security holder) (except for the ownership of publicly-traded securities
constituting not more than five percent (5%) of the outstanding securities of
the issuer thereof), creditor (except for trade credit extended in the
ordinary course of business), consultant or in any other capacity that
engages in any business which is the same as, similar to or competitive with
the business of the Company or any subsidiary including without limitation
the check cashing or ATM business anywhere in the United States. The
covenants set forth in this Section 9.02 shall be construed as a series of
separate covenants covering their subject matter in each of the separate
states where the Company conducts business, and except for geographic
coverage, each such separate covenant shall be deemed identical in terms to
the covenant set forth above in this Section 9.02. To the extent that any
such covenant shall be judicially unenforceable in any one or more of such
states, such covenant shall

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not be affected with respect to each of the other states. Each covenant with
respect to such states shall be construed as severable and independent.

                  9.03 NO DIVERSION OF OTHERS. During the Executive's
employment term hereunder and for one year thereafter, the Employee shall
not, either for himself or for any other person, firm, corporation or other
entity, directly or indirectly, or by action in concert with others:

                  (a) induce or influence, or seek to induce or influence,
any person who is engaged by Greenland or its subsidiaries (as an agent,
employee, consultant or in any other capacity) or any successor thereto with
the purpose of obtaining such person as an employee or customer for a
business competitive with Greenland's or its subsidiaries' business; or

                  (b) divert or take away, or attempt to divert or take away,
or solicit or attempt to solicit, any existing or potential customer of
Greenland or its subsidiaries (whether or not such customer is actually a
customer of Greenland or its subsidiaries as of the date hereof, including
without limitation any customer solicited by the Employee or which became
known by the Employee prior to the date hereof) with the purpose of obtaining
such person as an employee or customer for a business competitive with
Greenland or its subsidiaries.

                  9.04 CONFIDENTIAL INFORMATION. Employee agrees to execute
the Company's Confidential Information and Invention Assignment Agreement
("Confidential Agreement") upon the execution of this Agreement, a copy of
which Confidential Agreement is attached hereto as Exhibit B.

         10.      INJUNCTIVE RELIEF AND ADDITIONAL REMEDY

                  10.01 In General. The Employee acknowledges and agrees that
Greenland and its subsidiaries shall suffer irreparable harm in the event that
the Employee breaches any of his obligations under Sections 2, 9 or 10 hereof,
and that monetary damages shall be inadequate to compensate the damaged members
of Greenland or its subsidiaries for any such breach. Accordingly, the Employee
agrees that in the event of any breach or threatened breach by the Employee of
any of the provisions of Sections 2, 9 or 10 hereof, the damaged members of
Greenland or its subsidiaries shall be entitled to a temporary restraining
order, preliminary injunction and permanent injunction in order to prevent or
restrain any such breach or threatened breach by the Employee, or by any or all
of the Employee's agents, representatives or other persons directly or
indirectly acting for, on behalf of or with the Employee, without having to
prove damages.

         10.02 NO LIMITATION OF REMEDIES. Notwithstanding the provisions set
forth in Section 10.01 above, or any other provision contained in this
Agreement, the parties hereby agree that no remedy conferred by any of the
specific provisions of this Agreement, including, without limitation, this
Section 10, is intended to be exclusive of any other remedy, and each and
every remedy shall be cumulative and shall be in addition to every other
remedy given hereunder or now or hereafter existing at law or in equity or by
statute or otherwise.

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         11.      REASONABLENESS OF RESTRICTIONS

         The Employee has carefully read and considered the provisions of
Sections 9 and 10 hereof and, having done so, hereby agrees that the
restrictions set forth in such sections are fair and reasonable and are
reasonably required for the protection of the interests of the Company.

         12.      GENERAL PROVISIONS

                  12.01 NOTICES. Any notices and other communications
hereunder to be given hereunder by each party to the other shall be in
writing and may be effected by personal delivery in writing or by mail,
registered or certified, postage prepaid with return receipt requested.
Notices delivered personally shall be deemed communicated as of actual
receipt; mailed notices shall be deemed communicated as of two (2) days after
mailing. All notices and communications hereunder shall be delivered to the
respective parties at the following addresses: (i) if to Greenland,
Attention: Chief Financial Officer, 1935 Avenida Del Oro, Suite D, San Diego,
California 92056; (ii) if to Employee, at Employee's address as set forth in
the books and records of the Company; or to such other address as the person
to whom notice is given may have previously furnished the other in writing as
set forth above.

                  12.02 APPLICABLE LAW. This Agreement shall be construed
under the laws of the State of California and may not be altered or modified
except by an agreement in writing, signed by both parties.

                  12.03 ARBITRATION. Any dispute, controversy or claim
arising out of or in respect to this Agreement (or its validity,
interpretation or enforcement), the employment relationship or the subject
matter hereof shall at the request of either party be submitted to and
settled by final and binding arbitration conducted before a single arbitrator
in San Diego County, California in accordance with the Expedited Labor
Arbitration Rules of the American Arbitration Association. The arbitration
shall be governed by the Federal Arbitration Act (9 U.S.C. ss.ss. 1-16). The
arbitrator shall be a retired judge designated by the Presiding Judge of the
San Diego County Superior Court. The arbitrator in such action shall not be
authorized to change or modify any provision of this Agreement. Any award or
decision obtained from any such arbitration proceeding shall be final and
binding on Greenland and Employee, and judgement upon the award rendered by
the arbitrator may be entered by any court having jurisdiction thereof. Each
party shall bear its own expenses and one-half the aggregate amount of
arbitration costs. Arbitration shall be the exclusive remedy of Employee and
Greenland, provided, however, Greenland may institute proceedings for
temporary or injunctive and/or other equitable relief in a court of competent
jurisdiction pursuant to Sections 2.04, 9 and 10 herein, pending resolution
by arbitration of the actual dispute between the parties.

                  12.04 ENTIRE AGREEMENT. This Agreement, the Confidential
Agreement and the other Exhibits referenced herein or therein supersede any
and all other agreements, either oral or in writing, between the parties
hereto with respect to the employment of Employee by Greenland

<PAGE>

and contain all of the covenants and agreements between the parties with
respect to such employment in any manner whatsoever.

                  12.05 PARTIAL INVALIDITY. If any provision of this
Agreement is held by a court of competent jurisdiction to be invalid, void,
or unenforceable, the remaining provisions shall nevertheless continue in
full force without being impaired or invalidated in any way.

                  12.06 MERGER OR CONSOLIDATION. Greenland hereby agrees that
it shall not merge or consolidate into or with or sell substantially all its
assets to any firm, entity, company or person until such other firm, entity,
company or person expressly agrees, in writing, to assume and discharge the
duties and obligations of Greenland under this Agreement. This Agreement
shall be binding upon the parties hereto, their successors, beneficiaries,
heirs and personal representatives.

                  12.07 AMENDMENTS AND WAIVERS. This Agreement shall not be
varied, altered, waived, modified, changed or in any way amended in any of
its parts except by an instrument in writing, executed by the parties hereto,
or by their legal representatives who are designated in writing prior to any
such amendment or waiver. A waiver by either party of any of the terms of
this Agreement in any instance shall not be deemed or construed to be a
waiver of such term or condition for the future or of any subsequent breach
thereof.

                  12.08 HEADINGS. The headings used in this agreement have
been inserted for convenience of reference only and do not define or limit
the provisions hereof.

                  12.09 SEPARATE COUNSEL. The parties acknowledge that in
connection with this Agreement the law firm of Fisher Thurber LLP represents
Greenland only, and Employee has been advised to retain his own legal counsel
at his expense to represent his interests.

                  12.10 COUNTERPARTS. This Agreement may be executed in any
number of counterparts and by facsimile, each of which shall be deemed an
original, but all of which will constitute one and the same instrument.

<PAGE>

         Executed at San Diego, California.

                                      EMPLOYER:
                                      Greenland Corporation
                                      a Nevada corporation


         By:
            ------------------------------------------
            Louis T. Montulli, Chief Executive Officer

                                      EMPLOYEE:

            ------------------------------------------
                         Lee R. Swanson


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                                    EXHIBIT A

                         LEE R. SWANSON EMPLOYMENT LIST



<PAGE>



                                    EXHIBIT B

                          CONFIDENTIAL INFORMATION AND
                         INVENTION ASSIGNMENT AGREEMENT