Exhibit 10.64  Loan Agreement Translated From Japanese February 29, 2008  Sumitomo Mitsui Banking Corporation
        Hideki Anan, President & CEO
Global Hotline, Inc.
11F Nishishinjuku Showa Bldg.
1-13-12 Nishishinjuku, Shinjuku-ku, TokyoJoint guarantor
        Customer Relation Telemarketing Ltd.
4F Umeshin First Bldg., 1-2-9 Sonezaki, Kita-ku, Osaka City, Osaka 530-0057Joint guarantor
        Hideki Anan, President & CEO
IA Partners, Inc.
11F Nishishinjuku Showa Bldg.
1-13-12 Nishishinjuku, Shinjuku-ku, TokyoJoint guarantor
        Hideki Anan, President & CEO
SG Telecom, Inc.
11F Nishishinjuku Showa Bldg.
1-13-12 Nishishinjuku, Shinjuku-ku, Tokyo
  Article 1 (Borrowing Specifications)  The Debtor hereby agrees to borrow money (if the loan is accepted in installments, this refers to the money involved in the first loan installment) from Sumitomo Mitsui Banking Corporation (the Lender) according to the following specifications, having affirmed each of the provisions contained in the Bank Transaction Agreement concluded with the Lender as well as in this agreement and acknowledges that the money has been received.  Loan Description  1.
        Amount (total amount if loan is provided in installments): \300,000,000
 <Details> (For the 2nd installment and later, the dates and amounts are tentative)  Date of borrowing (or tentative date)
        Loan amount (or tentative amount)1st installment2nd installment3rd installment4th installment
  2.
        Use: Operating funds
 3.
        Date of final repayment: February 28, 2009
 4.
        The Debtor will not utilize the services of a credit guarantee corporation.
  -----------------------------------------------For Bank Use Only------------------------------------------------------------------  Branch No.: 0223  Branch name: Nakano Branch  Loan account No.: 2000350  Action No.:  Form No.: 7006 Guarantee corporation:
        Period of guarantee:  Guarantee corporation account No.:
 Amount of guarantee:  Guarantee No.:  Date
        Balance after loan
        Verification2nd installment3rd installment4th installment
    Interest Rate / Method of Repayment / Method of Interest Payment



5.
        Interest rate



3.00% APR Standard rate: Lenders short-term prime rate

If the standard rate is not fixed, the loan interest rate shall vary according to Article 4 below.



6.
        Method of repayment / method of interest payment





(1)
        Principal equal monthly payments  (including lump-sum repayment on due date)



Payment dates and interval
        Times
        Amount per paymentPrincipal
        Payment
        1st payment
        March 31, 2008
        
        25,000,000 yen2nd and later payments
        Apr. 2008- Jan. 2009 Monthly, last day of the month
        10 times
        25,000,000 yenIncreased paymentPayment on due date
        Deadline for final payment
        
        25,000,000 yenInterest
        Method of payment
        Up front
        Interval after 2nd payment
        Monthly1st payment date
        February 29, 2008
        2nd payment date
        March 31, 2008
        Payment date for 2nd payment and later
        Last day of the month



(2) Equal monthly payments with interest



Payment dates and interval
        Times
        Amount per paymentInterest during grace period
        1st payment dateAmount of interest and principal
        1st payment
        
        
        Amount provided on separate notification2nd and later paymentsFinal payment
        Deadline for final payment
        
        Balance and final interest payment



The interest during the grace period and the amount of the 1st principal and interest payment shall be calculated according to the Lenders prescribed method. In some cases, the amount of the 1st principal and interest payment will differ from the amount of the 2nd and later payments.



Automatic debits for principal and interest



7.
        Account for settlement (in name of Debtor)



Branch
        Type
        Account No.
        Name on accountNakano Branch
        Regular
        4095101
        Global Hotline, Inc.



8.
        Date of debit



Date agreed upon in 6. above (if the date falls on one of the banks closing days, it shall be done on the following business day)