Exhibit 4.13


                             Joint Venture Agreement
                                     Between
                        Ko Ho Group C/O Mr. Benny S. Lee
                                       And
                         Oxford Investments Holdings Inc

This  Agreement is entered into this 18th day of December  2006, by, between and
among Oxford  Investments  Holdings Inc. (the "Company") with an address at 1315
Lawrence Ave East, Suite 520, Toronto Ontario, M3A 3R3 and Ko Ho Management Co.,
Ltd., with an address at Flat A 8/F, Perfect Commercial Building,  No. 28, Sharp
Street  West,  Hong Kong and Mr.  Benny S.  Lee,  with an  address  at c/o Ko Ho
Management Co., Ltd., Hong Kong Office, Flat A 8/F, Perfect Commercial Building,
No. 28, Sharp Street West, Hong Kong ("Seller" or "Mr. Lee").

WHEREAS,  Ko Ho Management  Co., Ltd., is wholly-owned by nominee(s) of Mr. Lee;
and

WHEREAS,  Mr. Lee, through his knowledge of the Asian market place,  will assist
the Company in acquiring a functional and  operational  business  corporation in
China within the Company's line of business.

NOW, THEREFORE, in consideration of the premises, the mutual promises herein and
for other good and valuable consideration,  the receipt and sufficiency of which
are hereby acknowledged, the parties agree as follows:

     1.   The Company and Seller shall into a stock  purchase  agreement for the
          Company to acquire a fifty percent (50%) ownership  interest in the Ko
          Ho Group (the "Ko Ho Stock  Purchase").  The  Company  shall  issue to
          Seller's  designee,  Mr. Ian Eon Lee two  hundred  and fifty  thousand
          (250,000)  shares  of its S-8  free  trading  common  stock  upon  the
          execution  of the stock  purchase  agreement.  The Company  shall also
          provide  to the Ko Ho  Management  Co.,  Ltd.,  a start up fund of Ten
          Thousand dollars and thereafter, Five Thousand dollars ($5,000.00) per
          month for ten months for a total of Sixty  Thousand  ($60,000.00),  to
          cover the working  capital needs of the Ko Ho Management  Co., Ltd. Ko
          Ho Management  Co., Ltd.,  shall provide the Company with invoices for
          billing  of such  fund as  Market  Development  Expenses.  For  proper
          accounting  control  purpose,  Ko Ho will submit  monthly  Expenditure
          Report to the Company.

     2.   The Company shall provide  financing to Ko Ho Management Co., Ltd., in
          an amount up to Two Hundred Fifty Thousand Dollars  ($250,000.00) plus
          up to One Million (1,000,000) shares of the Company's common stock, in
          order for the Ko Ho  Management  Co.,  Ltd.  to  acquire  an  existing
          Chinese corporation (the "Acquisition"). The Company shall examine the
          proposed  corporation  and  shall  perform  its own due  diligence  to
          determine  whether  the  proposed   corporation  would  fit  into  the
          Company's current business model. The Ko Ho Management Co., Ltd. shall



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          provide  its  recommendations  to  the  Company  with  respect  to the
          Acquisition,  but the  Company  shall  have  final  approval  over the
          decision to consummate the Acquisition.

     3.   The  Company  shall pay for the  legal,  accounting  and other cost as
          required by SEC of consummating the Acquisition.

     4.   After the first year of the Ko Ho Stock  Purchase,  the Company  shall
          issue to Mr. Lee or his designee, Mr. Ian Eon Lee of an additional two
          hundred and fifty  thousand  (250,000)  shares of its S-8 free trading
          common stock,  provided that the Mr. Lee and the Ko Ho Management Co.,
          Ltd. have assisted the Company in meeting  performance goals set forth
          in the attached Exhibit A.

     5.   Ko Ho  Management  Co.,  Ltd.  shall  ensure  the  Company  and  Ko Ho
          Management  Co., Ltd.  follow and abide by all  regulatory,  legal and
          other requirements in acquiring the Chinese corporation.

     6.   Ko Ho  Management  Co., Ltd. and the Company shall develop a marketing
          plan and strategy to market the Company's products in China.

     7.   The Company shall  provide  proper  training to Ko Ho Management  Co.,
          Ltd.  on  all  its  products  with  proper  operational   manuals  and
          presentation/marketing materials.

     8.   The  Company  shall  provide  and  maintain  all  systems  on  payment
          services,  including  but not  limited  to,  setting up of an internet
          platform for e-commerce, a processing system for loyalty card, prepaid
          (store valued) card with IP Pos online  capture/redemption  capability
          with an IT center to be set up in China by the Company.

     9.   Seller agrees that the Stock acquired  hereunder is for investment and
          not with any present  intention to resell the same, within 6 months of
          issuance. Thereafter, the Seller agrees not sell the shares at a price
          of not  less  than  $1.00 or  within a  further  period  of 6  months,
          whichever comes the earlier.

     10.  Miscellaneous:

          a.   This  Agreement  supersedes  all  prior  agreements  between  the
               parties and may not be changed orally.

          b.   The terms and  conditions of the Agreement  shall be binding upon
               the distributees, representatives, successors, and assigns of the
               respective parties.

          c.   This  Agreement  shall be  construed  pursuant to the laws of the
               Province  of Ontario  Canada  without  regard to  conflict of law
               provisions.


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          d.   This  Agreement may be executed in two (2) or more  counterparts,
               each of which shall be deemed to be an original  and all of which
               shall  constitute a single  instrument,  and the signature of any
               party of any  counterpart  shall be deemed a signature to any and
               may be appended to any other counterpart.

     9.   Entire Agreement/Modification

          This  Agreement  contains  the entire  agreement  between  the parties
          hereto with  respect to the  transactions  contemplated  herein and no
          representation,   promise,   inducement,  or  statement  of  intention
          relating to the  transactions  contemplated by this Agreement has been
          made by any  party  that  is not  set  forth  in the  Agreement.  This
          Agreement  shall not be modified or amended except by an instrument in
          writing signed by or on behalf of the parties hereto.

IN WITNESS  WHEREOF,  the parties  have signed  this  Agreement,  this ___day of
November, 2006.

Ko Ho Management Co., Ltd.                      Oxford Investments Holdings Inc.



By:____________________                         By: _________________________
   Benny S. Lee                                     Michael Donaghy
   CEO                                              President & CEO


   ____________________________
   Benny S. Lee-Individually





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                                    EXHIBIT A

                               Performance Goals


1.   To identify  payment service and/or  tele-marketing,  including call center
     business, companies in China for acquisition.

2.   Work with and support  Oxford in the  evaluation of such  company(ies)  and
     subsequent due diligence process.

3.   Once a company  (newco) is acquired,  work with Oxford to conduct  in-depth
     system  review of the newco to either build or enhance the IT  capabilities
     to cope with business requirements and long term business needs.

4.   To  assist/support  the newco management to  establish/expand  its business
     plan.  Build/expand card product  portfolio,  including but not limited to:
     debit card, store-value card, and, credit card.

5.   To  assist/support  the  newco in  establish/expand  its card  programs  to
     include but not  limited to,  affinity  card with  financial  institutions,
     loyalty card, private label card, and gift card.

6.   To train newco management on FocusKard and other products of Oxford with an
     objective to market them in China and  incorporate  them into the family of
     card products (provided it is in compliance with local regulations).

7.   To explore markets in Asia on FocusKard and other Oxford products.


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