Exhibit 10.16


The Directors
Invu Services Limited
Unit P1
Blisworth Hill Farm
Stoke Road
Blisworth
Northamptonshire
NN7 3DB




13 December 1999



Dear Sirs

We are pleased to continue to make available an overdraft  facility to you, Invu
Services Limited, subject to the terms and conditions as set out in our facility
letter dated 23 June 1999, except as amended below:

1     LIMIT

      The Limit will be (pound)300000 (Three hundred thousand pounds).

2     SECURITY

      The security listed in the attached schedule is to be held.

      You will have to pay to us all costs,  expenses,  fees  (including but not
      limited to any legal,  security and valuation fees), stamp duty, taxes and
      other  charges,  and  registration  costs  incurred  or  charged  by us in
      connection    with    the    negotiation,    preparation,   investigation,
      administration, supervision or enforcement of your overdraft facility, the
      facility  letter  (as amended), or any security. We will debit these costs
      to your account and tell you the amount of these costs before we do so.

3     FEES

      There will be an arrangement fee of (pound)3000 for you to pay.  This will
      be debited to your account in instalments.  (i.e. (pound)1500 when we have
      received your acceptance and (pound)1500 at the end of January 2000).


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The increased  Limit will be available  when we have  received  your  acceptance
together  with a copy,  certified  by the  Chairman  and  Secretary,  of a board
resolution of the Directors in a form acceptable to us,  approving the increased
overdraft facility.

Without  prejudice  to the terms  and  conditions  of our  facility  letter  (as
amended) your overdraft facility is due for review in January 2000.

If you  wish to  accept  the  revised  terms  and  conditions  relating  to your
overdraft facility as set out in this letter please sign and return the enclosed
copy of this letter.


Yours sincerely,

/s/

B E Hocken
Senior Business Banking Manager
For and on behalf of HSBC Bank plc




<PAGE>




SECURITY SCHEDULE

Debenture  including Fixed Equitable Charge over all present and future freehold
and leasehold  property;  First Fixed Charge over, among other things,  book and
other debts,  chattels,  goodwill and uncalled capital, both present and future;
and First  Floating  Charge  over all assets and  undertaking  both  present and
future given by Invu Services Limited.

Unlimited Multilateral Company Guarantee given by Invu Services Limited and Invu
plc and Invu  International  Holdings  Limited to secure all liabilities of each
other. Supported by:

         Debenture  including Fixed Equitable Charge over all present and future
         freehold and leasehold  property;  First Fixed Charge over, among other
         things, book and other debts, chattels,  goodwill and uncalled capital,
         both present and future;  and First Floating Charge over all assets and
         undertaking both present and future given by Invu plc.

         Debenture  including Fixed Equitable Charge over all present and future
         freehold and leasehold  property;  First Fixed Charge over, among other
         things, book and other debts, chattels,  goodwill and uncalled capital,
         both present and future;  and First Floating Charge over all assets and
         undertaking  both  present  and  future  given  by  Invu  International
         Holdings Limited.

Guarantee for  (pound)40000 to secure all  liabilities of Invu Services  Limited
given by Peter Fraser.

Guarantee for  (pound)12500 to secure all  liabilities of Invu Services  Limited
given by David Morgan.

Guarantee for  (pound)2500 to secure all  liabilities  of Invu Services  Limited
given by David Morgan.

Guarantee for  (pound)300000  to secure all liabilities of Invu Services Limited
given by Peter Fraser and Vertical Investments Limited.

Letter of Comfort to be given by Invu Inc. in respect of banking facilities made
available to Invu Services Limited by the bank.

Authority over Third Party Deposits given by David Morgan over monies  deposited
with the bank from time to time.