Exhibit 10.4

THIS AGREEMENT is dated the of November, 2000 between:

(1)  BONUS STORES INC., INCORPORATED UNDER THE LAWS OF FLORIDA, USA (the
     "Borrower")

     and

(2)  ISLANDSBANKI-FBA HF., INCORPORATED UNDER THE LAWS OF ICELAND (the "Bank")

WHEREAS the Bank has agreed to make available to the Borrower a commited
revolving credit facility (the "Facility") of USD 1,000,000.00 on the terms and
conditions set out in this Agreement.

NOW IT IS HEREBY AGREED as follows:

1.   DEFINITIONS

     1.1. Terms Defined

          In this Agreement:

          "Advance"

          means a borrowing made hereunder or (as the context) requires the
          principal amount thereof from time to time outstanding (collectively
          the "Advances").

          "Available Commitments"

          means the undrawn amount of the Faciltiy Amount.

          "Business Day"

          means a day on which banks are open in Reykjavik and London.

          "Commitment Period"

          means the period from the date of this Agreement up to and including
          the Final Maturity.

          "Default"

          means any Event of Default and any event which, with the giving of
          notice, lapse of time or both or other applicable condition(s), would
          constitute an Event of Default.

          "Encumbrance"

          means any mortgage, pledge, lien, charge, assignment, hypothecation,
          security interest, title retention, preferential right or trust
          arrangement and any other security agreement or arrangement.

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          "Event of Default"

          means any of the events specified in Clause 11.1 (Events of Default).

          "Facility Amount"

          means USD 1,000,000.00.

          "Final Maturity"

          means one year after the date of this Agreement.

          "Interest Period"

          means each period ascertained in accordance with Clause 6 (Interest
          Periods).

          "LIBOR"

          in relation to each Loan in USD for each Interest Period relative
          thereto means the arithmetic mean, rounded upward if necessary, to the
          nearest one-sixteenth of one per cent (1/16%) of the annual rates of
          interest appearing on page LIBOR01 on Reuters (BBA fixings) or any
          equivalent successor to such page or other page as appropriate (as
          determined by the Bank) (the "Reuters") for deposits in the relevant
          currency in the London Interbank Market at or about 11.00 a.m. (London
          time) two Business Days, prior to the commencement of the Interest
          Period to which the same is to apply for a period comparable to such
          Interest Period.

          "Loan"

          means a borrowing made hereunder or (as the context requires) the
          principal amounts thereof from time to time outstanding (collectively
          the "Loans").

          "Margin"

          means three point five per cent (3.5 %) per annum.

          "Maturity Date"

          means the last day of the Term of an Advance.

          "Permitted Encumbrance"

          means a lease or security on assets, to secure finance to acquire the
          asset, created in the ordinary course of business.

          "Person"

          means any individuals, partnerships, corporations, governments,
          governmental bodies, trusts, joint stock companies, joint ventures,
          limited liability companies and unincorporated associations.

          "Term"

          means a period of three months for which the relevant Advance is to be
          outstanding.

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          "USD" or "$"

          means the lawful currency of the United States of America.

     1.2. Construction

          Unless the context otherwise requires, in this Agreement:

          (a)  words importing the singular number shall include the plural and
               vice versa;

          (b)  references herein to any agreement or other instrument shall be
               deemed to include references to such agreement or other
               instrument as supplemented or replaced from time to time;
               references to any enactment shall be deemed to include references
               to such enactment as re-enacted, amended or extended;

          (c)  the index to this Agreement and clause headings contained herein
               are for convenience only and shall not affect the construction
               hereof;

          (d)  references to Clauses and Schedules are references, respectively,
               to clauses of and schedules to this Agreement.

2.   COMMITMENT OF THE BANK

     Subject to the terms of this Agreement, the Bank makes the Advances to the
     Borrower up to an aggregate maximum principal amount not exceeding, at any
     one time the Facility Amount as determined pursuant to the terms hereof.

3.   DRAWDOWN

     3.1. Availability

          Subject to the terms of this Agreement, Advances will be available to
          the Borrower, when requested by the Borrower, during the Commitment
          Period.

     3.2. Notice of Drawing

          When the Borrower wishes to borrow hereunder, it shall give notice to
          the Bank in the form of Exhibit A, appropriately completed, to be
          received no later than 11.00 a.m. (London time) two Business Days
          prior to the proposed date for borrowing, specifying in respect of the
          proposed borrowing:

          (a)  the date of drawdown of the Loan (which shall be a Business Day);

          (b)  the amount to be drawn;

          (c)  an account of the Borrower at a bank to which the proceeds of the
               borrowing are to be credited.

          Subject to the terms of this Agreement, such notice of drawing
          ("Notice of Drawing") shall be irrevocable and the Borrower shall be
          bound to borrow in accordance with such Notice of Drawing.

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     3.3. Payment of Proceeds

          All amounts to be made available by the Bank to the Borrower shall be
          made available no later than 16.00 p.m. (local time) on the due date
          in immediately available and transferable same day funds to the
          account of the Borrower at a bank specified by the Borrower.

4.   CONDITIONS PRECEDENT

     4.1. Documentary conditions precedent

          The obligation of the Bank hereunder to advance the Loan is subject to
          the condition that the Bank shall first have received all of the
          following in form and substance satisfactory to the Bank:

          (a)  Constitutional documents of the Borrower (including inter alia
               charter, by-laws and opening balance sheet of the Borrower); and

          (b)  a copy of a resolution of the Board of Directors of the Borrower
               approving this Agreement and other transactions contemplated
               hereby and authorizing a specified person or persons to execute
               this Agreement on behalf of the Borrower; and

          (c)  a copy of the signatures of those persons authorized to execute
               this Agreement on behalf of the Borrower and of the persons
               authorized to sign or dispatch all notices, certificates and
               other documents in connection with this Agreement on behalf of
               the Borrower hereunder.

          (d)  Legal opinion from a legal counsel of the Borrower in a form
               acceptable to the Bank.

     4.2. Further conditions precedent

          The obligation of the Bank hereunder to advance a Loan is subject to
          the further conditions precedent that both at the time of the request
          for and at the time for the advance of such Loan:

          (a)  the matters represented by the Borrower set out in Clause 9.1
               (Representations and warranties) are correct;

          (b)  no Event of Default has occurred or will result from such
               Advance;

5.   REPAYMENT, PREPAYMENTS AND CANCELLATION OF COMMITMENTS

     5.1. Repayment

          The Borrower shall repay each Advance in full in one amount of its
          Maturity Date.

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     5.2. Prepayment

          No prepayment or cancellation is permitted except in accordance with
          the express terms of this Agreement.

     5.3. Voluntary Cancellation of Commitments

          The Borrower may, on giving not less than 30 days' prior written
          notice to the Bank, cancel the Available Commitments in whole or in
          part (but, if in part, by a minimum of and in multiples of USD
          250,000) without incurring any penalty or other cost. Any such notice
          to the Borrower shall be irrevocable and shall specify the date upon
          which the reduction is to become effective and the amount of
          reduction.

6.   INTEREST PERIODS

     6.1. Interest Periods

          Each Interest Period shall be of three month's duration.

     6.2. Business Days

          If any Interest Period would end on a day which is not a Business Day,
          such Interest Period shall be extended to the next succeeding Business
          Day unless such day will fall in the next calendar month, in which
          event it shall be brought forward to the immediately preceding
          Business Day. If any Interest Period commences on the last Business
          Day in a calendar month or if there is no corresponding day in the
          calendar month in which it is to end, then it shall end on the last
          Business Day in the later calendar month.

7.   INTEREST

     7.1. Rate

          The rate of interest applicable to the Loan for each Interest Period
          relative thereto shall be LIBOR plus the Margin per annum.

     7.2. Due Dates

          Save as otherwise provided herein, accrued interest shall be payable
          by the Borrower at the end of each Interest Period.

     7.3. Calculation Basis

          Interest shall accrue from day to day, and be computed on the basis of
          a year of 360 days and for the actual number of days elapsed.

     7.4. Default Interest

          If the Borrower fails to pay any amount payable by it hereunder on the
          due date therefor, the Borrower shall on demand by the Bank from time
          to time pay interest on such overdue amount (including overdue default
          interest) from the due date up to the date of actual payment, as well
          after as before judgement, at a rate of three per cent (3%) per annum
          above the higher of:

          (a)  the rate applicable to each overdue amount immediately prior to
               the due date (if of principal); and

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          (b)  the rate which would have been payable if such overdue amount had
               during the period of non-payment thereof constituted a Loan made
               hereunder for successive interest periods of such duration not
               exceeding three months as the Bank may from time to time
               designate.

          Such offered rate shall be determined either on each Business Day or
          two Business Days before each such period, as the Bank determines.

     7.5. Currency

          Principal repayments and interest on the Loan shall be payable in the
          currency in which the relevant borrowing was made.

     7.6. Certification

          Each determination of a rate of interest by the Bank hereunder shall,
          in the absence of manifest error, be conclusive and shall be promptly
          notified to the Borrower.

8.   PAYMENTS

     8.1. Funds and Place

          All payments to be made by the Borrower hereunder shall be made
          immediately available and transferable no later than 10.00 a.m. (local
          time) on the date upon which the payment is due to the account which
          the Bank may from time to time designate.

     8.2. Taxes

          (a)  All payments to be made by the Borrower hereunder shall be made:

               (i)  without set-off or counterclaim; and

               (ii) free and clear of and without deduction for or on account of
                    any taxes unless the Borrower is compelled by law to make
                    payment subject to such taxes.

          (b)  All taxes in respect of this Agreement shall be paid by the
               Borrower when due and in any event prior to the date on which
               penalties attach thereto and the Borrower will forward to the
               Bank official tax receipts evidencing payment of such taxes
               within 30 days of payment being due for such. The Borrower will
               indemnify the Bank in respect of all such Taxes.

               In addition, if any taxes or amounts in respect thereof must be
               deducted from any amounts payable or paid by the Borrower
               hereunder, the Borrower shall pay such additional amounts as may
               be necessary to ensure that the Bank receives a net amount equal
               to the full amount which it would have received on the due date
               had payment not been made subject to such taxes.

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     8.3. Extensions

          Whenever any payment hereunder shall become due on a day which is not
          a Business Day, the due date thereof shall be extended to the next
          succeeding Business Day unless such day will fall in the next calendar
          month in which event it shall be brought forward to the immediately
          preceding Business Day. During any extension of the due date for
          payment of the principal of a Loan hereunder interest shall be payable
          on such principal at the rate payable on the original due date.

     8.4. Appropriations

          In the case of a partial payment, the Bank may appropriate such
          payment towards such of the obligations of the Borrower hereunder as
          the Bank may decide.

9.   REPRESENTATIONS AND WARRANTIES

     9.1. Representations and warranties

          The Borrower represents to the Bank that:

          (a)  Status: The Borrower is a limited liability company organized and
               validly existing under the laws of the state of Florida
               possessing perpetual corporate existence (i) with at all times
               capacity to sue or be sued in its own name and with the power to
               own its property and assets and carry on its business as it is
               now being conducted and is proposed to be conducted, and (ii) at
               all times with power to enter into this Agreement and to exercise
               its rights and perform its obligations hereunder and all
               corporate or other action required to authorize the execution of
               this Agreement by the Borrower and the performance by the
               Borrower of its obligations hereunder has been duly taken.

          (b)  Powers and authority: The Borrower has the power to enter into
               and perform this Agreement and the transactions contemplated
               hereby and has taken all necessary action to authorize the entry
               into and performance of this Agreement and the transactions
               contemplated hereby.

          (c)  Legal validity: This Agreement constitutes a legal, valid and
               binding obligation of the Borrower enforceable in accordance with
               its terms and would be so treated in the courts of the state of
               Florida. This Agreement is in proper form to make it admissible
               in evidence for bringing an action on the same in such courts.

          (d)  Non-conflict with laws: The entry into and performance of this
               Agreement and the transactions contemplated hereby do not and
               will not conflict with (i) any law or regulation or any official
               or judicial order or treaty in the state of Florida or (ii) any
               agreement or document to which the Borrower is a party or which
               is binding upon or any of its assets, nor result in the creation
               or imposition of any Encumbrance on any of its assets pursuant to
               the provisions of any such agreement or document.

          (e)  No Default: No Default has occurred which might have a material
               adverse change on its business or financial condition.

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          (f)  Consents: All authorizations, approvals, consents, licenses,
               exemptions, filings, registrations, notarizations and other
               matters, official or otherwise, required or advisable in
               connection with the entry into performance, validity and
               enforceability of this Agreement and the transactions
               contemplated hereby have been obtained or effected and are in
               full force and effect.

          (g)  No filings required: It is not necessary to ensure the legality,
               validity, enforceability or admissibility in evidence of this
               Agreement that it be filed, recorded or enrolled with any
               governmental authority or agency in the State of Florida or that
               any stamp, registration or similar tax be paid on or in relation
               to this Agreement in USA.

          (h)  Pari Passu Ranking: Under the laws of the State of Florida in
               force at the date hereof, the claims of the Bank under this Loan
               will rank at least pari passu with the claims of all its
               unsecured creditors.

          (i)  Full Disclosure: All information supplied by the Borrower in
               connection with this Loan is true, complete, accurate in all
               material respects and it is not aware of any material facts or
               circumstances that have not been disclosed to the Bank and which
               might, if disclosed, adversely affect the decision of a person
               considering whether or not to provide finance to the Borrower.

     9.2. Repetition

          The representations and warranties set out in Clause 9.1
          (Representations and warranties) shall survive the execution of this
          Agreement and shall be deemed to be repeated by the Borrower at the
          beginning of each Interest Period with reference to the facts and
          circumstances then subsisting, as if made at each such time.

10.  UNDERTAKINGS

     10.1. Duration

          The undertakings in this Clause 10 (Undertakings) shall remain in
          force from and after the date hereof and so long as any amount is or
          may be outstanding hereunder or any commitment is in force.

     10.2. Information

          The Borrower shall furnish the Bank with a copy from time to time with
          reasonable promptness of such financial and other information as to
          itself as the Bank may reasonably require.

     10.3. Accounts

          The Borrower shall deliver to the Bank:

          (a)  their audited annual accounts within one month of the same being
               prepared and in any event not later than 120 days after the end
               of the period to which such statements relate; and

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          (b)  their semi annual accounts within one month of the same being
               prepared and in any event not later than 90 days after the end of
               the period to which such statements relate.

          The Borrower's account shall be prepared in accordance with generally
          accepted accounting principles in the State of Florida.

     10.4. Notification of Defaults

          The Borrower will notify the Bank of any Default forthwith upon the
          occurrence thereof and upon receipt of a written request to that
          effect from the Bank, confirm to the Bank that save as previously
          notified to the Bank no Default has occurred.

     10.5. Change of Business

          Except with the prior written consent of the Bank, the Borrower will
          not make any substantial change in its business as conducted as at the
          date of this Agreement, or carry on any other business which is
          material in relation to its business as conducted as at the date of
          this Agreement.

     10.6. Disposals

          (a)  The Borrower will not, without the prior written consent of the
               Bank, sell, transfer, lease or otherwise dispose of or cease to
               exercise direct control over any part (being alone or in
               aggregate with all other disposals falling to be taken into
               account pursuant to this clause, material in the opinion of the
               Bank in relation to the undertaking, assets, rights and revenues
               of the Borrower) of its present or future undertaking, assets,
               rights or revenues (otherwise than by transfers, sales or
               disposals for full consideration in the ordinary course of
               trading) whether by one or a series of transaction and whether
               related or not.

          (b)  Paragraph (a) does not apply to:

               (i)  disposals of assets in exchange for other assets comparable
                    or superior as to type, value and quality; and

               (ii) disposals of assets which generate less than 10% of the
                    current assets of the Borrower and are sold at the market
                    value of such assets.

     10.7. Negative pledge

          The Borrower shall not create or permit to subsist any Encumbrance on
          any of its present or future assets, other than Permitted
          Encumbrances, without the prior written consent of the Bank.

11.  DEFAULT

     11.1. Events of Default

          Each of the events set out below is an Event of Default (whether or
          not caused by any reason whatsoever outside the control of the
          Borrower or of any other Person):

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          (a)  Non-payment: the Borrower shall fail to pay when due, or,
               provided that the Bank is satisfied that any non-payment is due
               to technical reasons, within three Business Days of the due date,
               any principal of or interest on a Loan hereunder or any other
               amount payable hereunder; or

          (b)  Breach of certain obligations: the Borrower fails to comply with
               the provisions of Clauses 10.5 (Change of Business); or

          (c)  Breach of other obligations: the Borrower fails to comply with
               any other provision of this Agreement and such default (if
               capable of remedy) remains unremedied to the Bank's satisfaction
               for 30 days after notice thereof shall have been given by the
               Bank to the Borrower; or

          (d)  Cross default: failure by the Borrower to make payment when due
               of any obligation (other than in respect of this Agreement)
               exceeding USD 250.000,00 (or its equivalence in other
               currencies); or default by the Borrower, in the performance of
               any agreement under which any such obligation is created if the
               effect of such default is to cause such obligation to become due,
               or to permit the holder or holders of such obligation to declare
               such obligation due prior to its normal maturity; or

          (e)  Cessation: the cessation by the Borrower of its operations or the
               sale or other disposition of all or a substantial portion of its
               assets, or a decision by the Borrower to cease its operations or
               to sell or otherwise dispose of all or a substantial portion of
               its assets; or

          (f)  Unlawfulness: at any time it is unlawful for the Borrower to
               perform any of its obligations hereunder; or

          (g)  Legal process: any judgment or order made against the Borrower is
               not stayed or complied with within fourteen days or a creditor
               attaches or takes possession of, or a distress, execution,
               sequestration or other process is levied or enforced upon or
               against, any of the undertakings, assets, rights or revenues of
               the Borrower and is not discharged within fourteen days, unless
               in each case the same is being contested in good faith by
               appropriate proceedings; or

          (h)  Insolvency; compositions: the Borrower stops or suspends payment
               of any of its indebtedness or is unable or admits inability to
               pay any of its indebtedness as it falls due or commences
               negotiations with one or more of its creditors with a view to the
               general readjustment or rescheduling of its indebtedness or
               proposes or enters into any composition or other arrangement for
               the benefit of its creditors generally or any class of creditors
               or proceedings are commenced in relation to the Borrower under
               any law, regulation or procedure relating to reconstruction or
               readjustment of its indebtedness; or

          (i)  Bankruptcy or insolvency proceedings: the Borrower takes any
               action or any legal proceedings are started or other steps taken
               for (i) the Borrower to be adjudicated or found bankrupt or
               insolvent, (ii) the winding-up or dissolution of the Borrower or
               (iii) the appointment of a liquidator, administrator, trustee,
               receiver or similar officer of the Borrower or the whole or any
               part of their respective undertaking, assets, rights or revenues;
               or

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          (j)  Change of ownership or control of the Borrower: there is a
               material change in control or ownership of the Borrower which may
               have a material adverse effect on its financial condition or its
               ability to perform its obligations under this agreement in the
               Bank's reasonable opinion; or

          (k)  Material adverse change: any event or series of events occurs
               which, in the reasonable opinion of the Bank, might have a
               material adverse effect on the condition, operations, assets,
               liabilities and prospects of the Borrower or on the ability of
               the Borrower to comply with its obligations under this Agreement;
               or

     11.2. Acceleration

          In the case of any such event as is mentioned in Clause 11.1 (Events
          of Default), and at any time thereafter if any such event shall then
          be continuing, the Bank shall by notice to the Borrower:

          (a)  declare that the obligations of the Bank hereunder shall be
               cancelled forthwith whereupon the same shall be so cancelled
               forthwith; and/or

          (b)  declare the Loan to be immediately due and payable whereupon the
               same shall become immediately due and payable together with all
               interest accrued thereon and all other amounts payable hereunder.

11.3. Default Indemnity

     The Borrower shall indemnify the Bank against any loss or expenses, which
     the Bank may sustain or incur as a consequence of:

     (a)  the occurrence of any Default;

     (b)  any default in payment on the due date (or in the currency in which
          such payment is due) of the principal of the Loans or any part thereof
          or interest accrued thereon or any other amount payable hereunder or
          any repayment of a Loan other than on the Interest Payment Date
          relating thereto,

     including but not limited to any loss or expenses on account of funds
     borrowed, contracted for or utilized to fund any amount payable hereunder.
     A certificate of the Bank of the amount of any such loss or expense shall
     be conclusive in the absence of manifest error.

12.  ACCOUNTS AS EVIDENCE

     Accounts maintained by the Bank in connection herewith shall constitute
     prima facie evidence of sums owing to the Bank hereunder in the absence of
     manifest error.

13.  FEES

     13.1. Front end fee

     The Borrower shall pay to the Bank on the signing of the agreement a
     front-end fee amounting to 0.75% of the Facility Amount.

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     13.2. Commitment fee

     The Borrower shall not be oblidged to pay a commitment fee on the daily
     balance of the Available Commitment.

14.  EXPENSES

     14.1. Enforcement expenses

          The Borrower shall reimburse the Bank on demand for the charges and
          expenses (including value added tax or any similar tax thereon and
          including the fees and expenses of legal advisers) incurred by it in
          connection with the enforcement of, or the preservation of any rights
          under, this Agreement.

     14.2. Out-of-pocket expenses

          All expenses, including inter alia legal and all reasonable
          telecommunications, travel and other out-of-pocket expenses incurred
          by the Bank in connection with the negotiation, preparation and
          execution of the Loan shall be for the account of the Borrower and
          payable within 30 days of submission by the Bank of its invoice to the
          Borrower.

15.  STAMP DUTIES

     The Borrower shall pay or indemnify the Bank against any and all stamp,
     registration and similar Taxes or charges which may be payable in
     connection with the entry into, performance or enforcement of this
     Agreement (including penalties for late payment).

16.  WAIVERS, REMEDIES CUMULATIVE

     No failure to exercise and no delay in exercising on the part of the Bank,
     any right, power or privilege hereunder shall operate as a waiver thereof,
     nor shall any single or partial exercise of any right, power or privilege
     preclude any other or further exercise thereof, or the exercise of any
     other right, power or privilege. No waiver by Bank shall be effective
     unless it is in writing.

17.  NOTICES

     17.1. Address

          Except as otherwise stated herein, all notices or other communications
          hereunder to any party hereto shall be in writing or by facsimile and
          shall be deemed to be duly given or made when delivered (in the case
          of personal delivery or letter) and when dispatched to such party
          addressed as follows:

          (a)  if to the Borrower, to Bonus Stores INC., 2520 West New York
               Avenue, Deland, FL 32720. USA. Fax No. +1 904 740 7393. Attn:
               Chief Financial Officer;

          (b)  if to the Bank, to Islandsbanki-FBA hf., Kirkjusandi 2, 155
               Reykjavik, ICELAND. Fax No: +354 580 5110. Attn: Corporate
               Finance;

          or at such other address and facsimile number as such party may
          hereafter specify for such purpose to the other parties.

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     17.2. Non-working Days

          A notice or other communication received on a non-working day or after
          business hours in the place of receipt shall be deemed to be served on
          the next following working day in such place.

18.  ASSIGNMENTS AND SUBSTITUTION

     18.1. Successors

          This Agreement shall be binding upon and inure to the benefit of the
          Borrower and the Bank and their respective permitted successors and
          assigns.

     18.2. Assignments by the Borrower

          The Borrower may not assign or transfer all or any part of its rights
          or obligations hereunder without the prior written consent of the
          Bank.

     18.3. Assignments by the Bank

          The Bank may not assign or transfer all or any part of its obligations
          hereunder without thye prior written consent of the Borrower.

19.  SET OFF

     The Borrower hereby authorizes the Bank in the event of any non-payment of
     any amounts hereunder when due to apply any credit balance (in whatever
     currency) standing upon any account of the Borrower with any branch or
     office of the Bank in or towards satisfaction of any sum, whether
     principal, interest or otherwise, at any time due to the Bank from the
     Borrower pursuant to this Agreement.

20.  LANGUAGE

     Each document referred to herein or to be delivered hereunder shall be in
     the English language or accompanied by a certified English translation
     thereof. In case of conflict and unless the Bank otherwise specifies, the
     English language version of any such document shall prevail.

21.  GOVERNING LAW

     This Agreement shall be governed by Icelandic law.

22.  JURISDICTION

     The parties hereto agree that the District Court of Reykjavik shall have
     jurisdiction to hear and determine any suit, action or proceeding, and to
     settle any disputes, which may arise out of or in connection with this
     Agreement and, for such purpose, irrevocably submits to the jurisdiction of
     that court.

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23.  SEVERABILITY

     If any provision of this Agreement is prohibited or unenforceable in any
     jurisdiction such prohibition or unenforceability shall not invalidate the
     remaining provisions hereof or affect the validity or enforceability of
     such provision in any other jurisdiction.

24.  COUNTERPARTS

     This Agreement may be executed in any number of counterparts and all of
     such counterparts taken together shall be deemed to constitute one and the
     same instrument.

IN WITNESS whereof the parties hereto have caused this Agreement to be duly
executed on the date first written above.




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                                    EXHIBIT A



                                NOTICE OF DRAWING


To:  Islandsbanki-FBA hf.
     Kirkjusandi 2
     155 Reykjavik
     ICELAND


Pursuant to Clause 3 (Drawdown) of the Loan Agreement dated November , 2000,
(the "Loan Agreement") between ourselves as Borrower, and yourselves as the Bank
in respect of a commited revolving credit facility of up to USD 1,000,000.00 we
hereby give you notice of the following proposed borrowing:

(a)  Date of Drawdown:                  [                 ]

(b)  USD amount:                        [                 ]

(c)  Payment Instructions:              [                 ]

Terms defined in the Loan Agreement shall have the same meaning herein.

We confirm that the matters represented by us and set out in Clause 9.1
(Representations and warranties) of the Loan Agreement are true and accurate on
the date hereof as if made on such date and that no Default has occurred and is
continuing or would result from the proposed borrowing.

Bonus Stores INC.

By:

                                       15
<PAGE>


                                   SIGNATORIES



THE BORROWER

Bonus Stores INC.

By:



THE BANK

Islandsbanki-FBA hf.

By:


By:




                                       16
<PAGE>



                                USD 1,000,000.00
                            REVOLVING CREDIT FACILITY




                                     Between




                                Bonus Stores INC.
                                   as Borrower



                                       and


                              Islandsbanki-FBA hf.
                                     as Bank










                               Dated November 2000

<PAGE>


                                      INDEX

Clause                                                                      Page

1.   DEFINITIONS..............................................................1
2.   COMMITMENT OF THE BANK...................................................3
3.   DRAWDOWN.................................................................3
4.   CONDITIONS PRECEDENT.....................................................4
5.   REPAYMENT, PREPAYMENTS AND CANCELLATION OF COMMITMENTS...................4
6.   INTEREST PERIODS.........................................................5
7.   INTEREST.................................................................5
8.   PAYMENTS.................................................................6
9.   REPRESENTATIONS AND WARRANTIES...........................................7
10.  UNDERTAKINGS.............................................................8
11.  DEFAULT..................................................................9
12.  ACCOUNTS AS EVIDENCE....................................................11
13.  Front-end fee...........................................................11
14.  EXPENSES................................................................12
15.  STAMP DUTIES............................................................12
16.  WAIVERS, REMEDIES CUMULATIVE............................................12
17.  NOTICES.................................................................12
18.  ASSIGNMENTS AND SUBSTITUTION............................................13
19.  SET OFF.................................................................13
20.  LANGUAGE................................................................13
21.  GOVERNING LAW...........................................................13
22.  JURISDICTION............................................................13
23.  SEVERABILITY............................................................14
24.  COUNTERPARTS............................................................14
EXHIBIT A....................................................................15
SIGNATORIES..................................................................16