Exhibit 10.65

Translated from Japanese

                                 LOAN AGREEMENT

Date of the loan: February 27, 2009

Creditor: H Capital, Inc.
          1-2-31 Oyamadai, Setagaya-ku, Tokyo
          Naoto Tonosaki, Representative Director

Money Loan: Y100,000,000.

This agreement is jointly guaranteed loan agreement. We have received and
borrowed the above amount of money. We will faithfully execute each and all of
the following clauses.

Debtor:

[Seal]    SG Telecom, Inc., 11F Nishi-Shinjuku Showa Bldg., 1-13-12
          Nishi-Shinjuku, Hideki Anan, CEO [Seal]

Joint guarantors:

[Seal]    Global Hotline, Inc., 11F Nishi-Shinjuku Showa Bldg., 1-13-12
          Nishi-Shinjuku, Hideki Anan, CEO [Seal]

[Seal]    IA Partners, Inc., 11F Nishi-Shinjuku Showa Bldg., 1-13-12
          Nishi-Shinjuku, Hideki Anan, CEO [Seal]

[Seal]    Inforidge, Inc., 11F Nishi-Shinjuku Showa Bldg., 1-13-12
          Nishi-Shinjuku, Hideki Anan, CEO [Seal]

[Seal]    Hideki Anan, 403 The Palms Yoyogi 3-chome, 3-13-10 Yoyogi,
          Shibuya-ku, Tokyo [Seal]

[Seal]    Kyo Nagae, 2-26-8 Nakai, Shinjuku-ku, Tokyo [Seal]

[Seal]    Mamoru Okemoto, 401 Pacific Residence Ebisu Minami, 2-28-8 Ebisu
          Minami, Shibuya-ku, Tokyo [Seal]

[Seal]    Nobuyuki Igarashi, 406 Glenpark Hatsudai, 1-29-10 Hatsudai,
          Shibuya-ku, Tokyo [Seal]

1.   Outline of the Loan

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     Payment due and payment method: Due on March, 16, 2009 in lump sum.

     Interest payment method: Interest payment is due on the same date as the
     principal.

     Interest rate: 15% per year; Delayed interest rate: 21.900% per year.
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2.   Calculation method of the interest:

     Residual principal x 15% x (days of loan duration / 365)

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3.   Payment methods and payment venues:

     Monthly installment shall be brought to the lender's bank, or
     remitted/transferred to the bank account that it specifies, or by
     registered cash mail. The payment shall be considered to have been
     completed at the point on the day it has actually entered the account
     (limited to the bank's business hours). Fees pertaining to the payment
     shall be on the payers.

4.   Allocation Priority of the payment:

     The monthly payment shall be allocated to the following in this order:
     Delinquent charge, interest, and principal.

5.   Overdue interest (Delayed interest)

     Overdue interest (Delayed interest) shall be calculated by the formula:
     Principal to be paid on the due date x Delayed interest rate x (overdue
     days / 365)

6.   Pledged collateral:

     (1)  If the collateral has been transferred and thus name transfer becomes
          necessary, the debtor and joint guarantors shall soon corporate for
          the name transfer of the collateral that has been pledged.

     (2)  The debtor and the joint guarantors shall not contest to selling the
          pledged collateral in case the benefit of time has been lost by
          Article 8. The methods of sales, timing, and buyer(s) shall be rightly
          left to the lender's discretion. If the sales turn out to be short of
          the credit amount, the shortage shall soon be paid back. Also, the
          sales shall be allocated in accordance with Article 4.and if any
          surplus occurs as a result of the sales, the surplus shall soon be
          paid back to the debtor.

     (3)  Concerning the pledged shares that have been transferred, procedure
          and documents, minutes of the board meetings, the certificate of Seal
          registry, and others that are necessary for overwriting the shares,
          shall be soon provided.

     (4)  Concerning the transfer of the credits, the debtor and the joint
          guarantors shall cooperate with the creditors in its procedure after
          acknowledging each wording of the transfer agreement, and also for
          smooth transfer as well.

7.   Notice and report:

     (1)  If any change has been made to the seal, name, trade name, name of the
          director, address, office address, contact numbers, e.g. home and/or
          mobile phone numbers, or other already notified items, the lender will
          be informed without delay.

     (2)  If the lender requests information on financial, business, and/or
          operational status, it will be immediately reported and convenience
          necessary for the investigation will be provided.

     (3)  In the case any material change has occurred or is anticipated to
          occur to financial, business, and/or operational status, the lender
          will be reported immediately even without its request.

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8.   Acceleration:

     If either the debtor or any of the joint guarantors has occurred to any of
     the following, without the lender's notice or claim or other procedure, the
     total amount of the loan shall be justly repaid together with the interest
     and delayed interest immediately even before the due.

     (1)  The execution of the liability that is provided in Article 1.has been
          delayed.

     (2)  Suspension of payment, bankruptcy, commencement of Rehabilitation
          proceeding, arbitration, petition for Specified Arbitration,
          commencement of Corporate Rehabilitation proceeding, petition for
          commencement of Liquidation or Special Liquidation, or petition for
          Voluntary Liquidation

     (3)  Any dishonored bill or check that either the debtor or any of the
          joint guarantors drew, or accepted, or secured, or endorsed

     (4)  Negligence of any of report provided in Article 7. above, or moving
          from the office at the time of making this loan, or resignation, or
          leave of absence, dismissal, or death

     (5)  Temporary restraining order, execution, auction, disposition for tax
          delinquency, or petition for exercise of security interest

     (6)  Acts to change the status of the collateralized property, or acts in a
          way that might decrease its valuation

     (7)  No additional collateral pledged in the case of appraisal loss of the
          previously pledge collateral as result of appraisal by the lender

     (8)  Ownership transfer of the real estate of either the debtor or any of
          the joint guarantors, or provisional registration or registration of
          (revolving) mortgage or rights to lease, only if without a creditor's
          consent

     (9)  Dissolution not by merger

     (10) Violation of this agreement

     (11) An event that reasonably requires securing claims beside each of the
          previous events

9.   Obligation of surety:

     (1)  A joint guarantor, concerning all the obligation that the debtor has
          by the agreement with the lender, shall be jointly responsible for
          their execution, and shall not contend at all if other collateral or
          security has been changed or cancelled at your convenience.

     (2)  A joint guarantor, even while entitled to execute its exoneration,
          shall not execute it without the lender's consent, until the debtor
          has completely executed its obligation to the lender.

     (3)  A joint guarantor, if it has surety in another agreement, that surety
          shall not be changed by this agreement since it is separate from this
          agreement. In case a joint guarantor has another surety with a
          definite maximum amount under another agreement concerning any other
          transaction between the lender and the debtor, the maximum amount
          shall be raised by adding the amount of this surety to it. This
          applies if a joint guarantor secures another transaction between the
          lender and the debtor in the future.

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     (4)  A joint guarantor shall be responsible for the payment of the
          principal, interests, delayed interests until this debt has been
          extinguished.

     (5)  The surety under this agreement cannot be cancelled until the debt has
          been extinguished.

10.  Transfer of the claims or collateral to a third party:

     (1)  The debtor and the joint guarantors consent in advance that, in the
          future, the lender should transfer or pledge as collateral the
          obligation under this agreement to a third party, or after
          transferring it or pledging it as collateral to a third party and then
          retrieve it from the said party.

     (2)  In the case of the transfer of the debt pursuant to the previous
          clause, the debtor and the joint guarantors shall pay the debt to the
          lender as a substitute of the assignee.

11.  Administrative costs:

     (1)  The debtor shall pay the necessary costs or any fees that the lender
          paid in advance concerning this agreement.

          [1]  Revenue stamp:

          [2]  Execution fee for Notarized deed (actual cost): Y0-

          [3]  Administrative fees: Y0-

          [4]  Registration fees: Y0-

     (2)  Fees for registration of mortgaging, lifting or modifying the
          mortgage, income taxes on disposition or the ownership change of the
          collateralized property, other taxes, legal fees, fees for requesting
          a copy of the ledger, or fee for viewing it

     (3)  All the costs for collecting the debt

     (4)  A joint guarantor is responsible for no other costs than the surety.

12.  Jurisdiction:

     The parties agree that District Court of Tokyo shall have exclusive
     jurisdiction for first trials concerning any dispute over this agreement.

13.  Nonlife insurances and Pledging:

     (1)  Concerning the collateralized property that can be attached nonlife
          insurance, the debtor and the joint guarantors shall make or maintain
          insurance contract for the amount and of the type that the lender
          specifies with an insurance company that it accepts, and set Pledge on
          the right pursuant to the insurance contract for it or add special
          clause to the insurance contract for it.

     (2)  If the lender has made insurance contract necessary for securing its
          claims, or if it has made or continued insurance contract on behalf of
          the debtor and the joint guarantors and has paid the premium, they
          will immediately repay it the premium and other costs that it has
          paid.

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     (3)  The lender shall allocate any amount of money or others that it has
          received from a third party due to destruction, damage, expropriation,
          or collection of all or part of the premium or other pledged property
          pursuant to the insurance contract by clause (2) above, even before
          the debt is due, to the payment of the debt irrespective of the legal
          priority.

14.  Execution of Notarized deed:

     (1)  The debtor and the joint guarantors; consent that, with a warrant
          and/or a certificate of Seal registry that have been issued for
          executing Notarized deed, the lender should appoint an arbitrary third
          party a substitute of all or them on the contract date or later or
          appoint an appropriate substitute for them and that Notarized deed
          should be created by adding to it their consent to mandatory execution
          of all or the residual amount of the debt under this agreement; and
          abandon their rights to cancel this agreement until the debt has been
          completely repaid.

     (2)  All the costs required for executing Notarized deed shall be on the
          debtor and the joint guarantors.

15.  (Special Clause)                                                   The End.

The following debtor and the joint guarantors each have received a duplicate of
this agreement.


SG TELECOM, INC.                                  GLOBAL HOTLINE, INC.
HIDEKI ANAN, CEO        [Seal]                    HIDEKI ANAN, CEO        [Seal]


IA PARTNERS, INC.                                 INFORIDGE, INC.
HIDEKI ANAN,CEO         [Seal]                    HIDEKI ANAN, CEO        [Seal]


Hideki Anan             [Seal]                    Kyo Nagae               [Seal]


Mamoru Okemoto          [Seal]                    Nobuyuki Igarashi       [Seal]

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