Exhibit 4.16


                            Agreement for Cooperation
                                     Between
                         Foshan Wanzhi S&T Company Ltd.
                                       And
                              Ko Ho Management Ltd.
                                (English Version)



Party A:  Foshan Wanzhi Electron S&T Co., Ltd
Address:  Fenggang Road, Lishui Town, Nanhai, Guangdong, China  528244
Contact : Chen Jun         Telephone: 13802749997

Party B : Ko Ho Management Ltd.
Address:  Flat A8/F, Perfect Commercial Building, No.28,
          Sharp Street West, Hong Kong
Contact:  Benny S. Lee      Telephone: (852) 9860 6201


Based on the  "Heads of  Agreement  for Share  Purchase  Between Ko Ho Group and
Wanzhi  Electron S&T Co.,  Ltd."  signed by both  parties on March 8, 2007,  and
under the principle of mutual trust, friendly  cooperation,  mutually beneficial
supports and thorough  discussions,  both parties  agree to cooperate  under the
following terms:

     1.   Party A shall transfer Thirty-Five percent (35%) ownership interest in
          Foshantong  to Party B.  Party B shall  inject  RMB Two  Million  (RMB
          2,000,000)  into  Foshantong  plus  500,000  common  shares  of Oxford
          Investments Holdings Inc. (Oxford) for 35% of its share capital.

     2.   In view of expedite  process rules and  regulations  of China and long
          term  cooperative  consideration,   both  parties  will  base  on  the
          following  suitable  procedures to carry out the terms as stated under
          `1' above:

          (1)  Within 30 days from the signing of his  agreement,  Party B shall
               pay RMB Two  Million  in one  lump  sum in Hong  Kong  and  issue
               500,000  shares of Oxford common shares to designated  persons of
               Party A. These conditions are regarded as Party B's obligation to
               Party A under `1'  above.  Within  the same time  frame,  Party A
               agrees  to  supply  to Ko  Ho  historical  financial  statements,
               including but not limited to sets of the latest audited  accounts
               and other vital information of Foshantong.


               a.  Party B shall  incorporate  a wholly  own  company  (WOFE) in
          Gangzhou, Gaungdong Providence within 90 days from the signing of this
          agreement  (The  registered  capital of the WOFE must  comply with the
          laws of China).  The WOFE will be the independent  entity to represent
          Party B to take over the 35% shares of Foshantong. The expenses in the



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          incorporation of the WOFE shall be borne by Party B, whereas,  Party A
          shall provide all necessary supports.

               b.  Party  A  shall  assist  Foshantong  to  complete  all  legal
          procedures  in the  Transfer of the 35% of the  registered  capital to
          Party B,  within  10 days from the date on which  all the  review  and
          approval of incorporation are completed by the relevant departments of
          the Chinese government (including,  but not limited to the preparation
          of legal  document  of the  share  transfer  agreement,  shareholders'
          resolution  and submit to the  Industry and  Commerce  Department  and
          other  government  departments  for  review and  approval).  This will
          effectively make the WOFE to own 35% of Foshantong's  registered share
          capital  and  also to have  Foshantong  to issue a  Capital  injection
          Certificate to the WOFE. The costs will be borne by Foshantong.

     3.   After both Parties complete the legal procedures of the share transfer
          of Foshantong, the organization of Foshantong shall be as follows:

               a. The board of  directors  shall  consist  of five (5)  members.
          Party A shall  hold  three (3)  seats  and Party B shall  hold two (2)
          seats;

               b. The  chairman  and CE)  shall  be  appointed  by Part A.  Both
          Parties shall agree that within a reasonable time, these two positions
          shall not have any remuneration;

               c.  Party  B  shall  appoint  a COO  responsible  for  the  whole
          operation.  The remunerations,  to be agreed by both Parties, shall be
          borne by Foshantong;

               d.  Party B shall  appoint  CTO,  based in Canada  or  elsewhere,
          responsible  for  system   development  and  operations.   Except  for
          reasonable  reimbursement  of  travel  expenses,  the CTO shall not be
          remunerated for a period to be agreed by both parties.

     4.   Except as stated  in `3'  above,  unless  agreed by both  Parties  and
          approved by the Board of  Directors of  Foshantong,  the staff of both
          Parties shall not draw any salaries from Foshantong.

     5.   To  better  foster  the   cooperation  and  reinforce  the  investment
          confidence of Party B, Party A shall  provide the following  resources
          to increase and support the investment in Foshantong:

               a. Party A commits to transfer  300,000  existing  card  accounts
          (The  portfolio  includes  existing  Education  One Card,  Smart Cards
          issued to staff of Chigo Air-conditioning  Manufacturing Co., Watson's
          loyalty  cards,  library  membership  cards and  residential  district
          cards) to Foshantong.

               b. Party A shall  provide free use of servers and other  hardware
          equipment  for the  operation  (except high end servers) to Foshantong
          plus one year free use of office space and all office equipment.



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               c. Party A shall  provide 500 units of POS for use by  Foshantong
          at merchant locations at no charge.

               d. Party A shall provide and pay for salaries for the local staff
          such   as,   local    technical,    administrative    and    financial
          control/accounting  staff, including additional headcounts as required
          for a period of one year.

               e. Party A shall be responsible for all government  relationship.
          All  expenses   shall  be  reasonably   shared  between  Party  A  and
          Foshantong.

     6.   Party B shall provide all operating  software and on going enhancement
          and maintenance.

     7.   Both Parties shall cooperate with mutual trust,  and high integrity to
          provide the best  resources to the operation of Foshantong in order to
          achieve  Win-win;  In the case that either Party has done harmful acts
          to one another or to Foshantong;  such Party shall be responsible  for
          the consequences.

     8.   Party B and/or Oxford  reserves the rights to dispatch  internal audit
          team to audit the accounts and affairs of  Foshantong  with or without
          notice not more than once in a quarter.  In  principle,  these  audits
          should not affect the normal  operations of  Foshantong.  The expenses
          shall be borne by the party taking such initiative.

     9.   Party A  shall  ensure  that  Foshantong  follows  and  abides  by all
          government regulatory, legal and other requirements.  In the case that
          Foshantong  offends  any  of  the  regulations,  rules,  ect.  due  to
          insufficient  supervision,  Party  A  shall  be  responsible  for  the
          corresponding consequences based on the degree of the offense.

     10.  Party B and the WOFE shall,  in accordance to the laws of China,  give
          Party A the  first  rights of  refusal  in the case of  disposing  the
          Foshantong  shareholding,  in part or in  full,  to any  third  party,
          otherwise,  such  transfer  is invalid.  Likewise,  Party A shall give
          Party B and the WOFE the same rights of refusal.

     11.  In the case, either Party does not honour the obligations as stated in
          this agreement;  it shall be regarded as a breach.  Upon  notification
          from the other Party, the misconduct must be corrected within Five (5)
          days. If it is not rectified,  the offending party shall reimburse the
          other Party all losses and damages, including but not limited to other
          claims, litigation, responsibility, costs and expenses.

     12.  Effective  from the  signing  date of this  agreement,  in the case of
          force majeure or situations  cannot be controlled  (including  but not
          limited to, earthquake, typhoon, flood, fire, strike, war, riot, etc.)
          by either  Party and  resulting  in either  Party  cannot carry out in
          full,  the timely  obligations in this  agreement,  the Party shall be
          exempt from the responsibility.  However,  such Party shall inform the
          other Party within a reasonable  time. In the case, such  notification
          is  not  given,   the  Party  shall  still  be  responsible   for  the
          consequences.



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     13.  The  invalidation  of any clause in the agreement shall not affect the
          entire agreement.

     14.  Any  amendment  to this  Agreement  must be  mutually  agreed  by both
          Parties in writing. It may not be changed orally or in other forms.

     15.  In the case that this agreement needs to be redefined or adding in new
          terms  and  conditions,  both  Parties  may  mutually  agree  to  sign
          addendums to include such terms and conditions.  Such addendums signed
          shall have the same legal rights as this agreement.

     16.  This agreement shall supercede all previous  agreements signed by both
          Parties.

     17.  This  agreement is written and signed in both Chinese and English.  In
          the case of  conflict  in  interpretation  in the two  languages,  the
          Chinese version is the standard.

     18.  This agreement shall be construed pursuant to the laws of the Republic
          of China without regard to conflict of law provisions.

     19.  Any  dispute  arising  from this  Agreement  shall be settled  through
          friendly  negotiation  between  the  parties  hereto.  In the  case no
          consensus is reached,  the dispute  shall be submitted to the People's
          Court in Foshantong for a judgment.

     20.  IN WITNESS WHEREOF,  the parties have signed this Agreement,  this 7th
          day  of  May,  2007.  This  agreement  may be  executed  in  Four  (4)
          counterparts,  for Party A, Party B,  Oxford and  Foshantong,  each of
          which shall be deemed to be an original.


Party A                                                  Party B

Foshan Wanzhi S&T Company Ltd.                            Ko Ho Management Ltd.



By: /s/ Li Xinghao                                       By: /s/ Michael Donaghy


Representing Foshan Wanzi and Foshantong                 Representing Ko Ho and
                                                         Oxford Investments
                                                         Holdings Inc.


Witness:                                                 Witness: