Document:

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                                                                   EXHIBIT 10.7

                           PURCHASE AND SALE AGREEMENT

This agreement is made between the parties as of the 5th day of March, 2002.

1.    PARTIES

1.1   Pivotal Self-Service Technologies Inc. a Delaware corporation
      (the "Vendor").

1.2   4CASH ATM Services Canada Inc., an Ontario corporation (the
      "Corporation").

1.3   IRMG Inc., an Ontario corporation (the "Purchaser").

2.    RECITALS

2.1   This agreement sets out the terms and conditions by which the Purchaser
      agrees to purchase and the Vendor agrees to sell all of the issued and
      outstanding shares of the Corporation (the "Shares"), all the intellectual
      property rights to operate the business of the Corporation, the name
      "Pivotal Self-Service Technologies", the Pivotal website and Pivotal and
      4CASH URL (collectively the "Shares and Intellectual Property Rights").

3.    PURCHASE AND SALE OF SHARES AND INTELLECTUAL PROPERTY RIGHTS

3.1   The Purchaser agrees to purchase the Shares and Intellectual Property
      Rights from the Vendor and to tender in full satisfaction of the purchase
      price, the following (the "Payment"):

        (a) Warrants to purchase 5,000,000 shares of the Vendor's common stock
            issued to the Purchaser will be surrendered for cancellation.

        (b) The right to 10,000,000 shares of Vendor's common stock issuable to
            the Purchaser upon the achievement of US$1,000,000 cumulative net
            profit before taxes from June 15, 2001 will be surrendered for
            cancellation.

        (c) Warrants to purchase 1,100,000 shares of the Vendor's common stock
            issued to Mr. Stephen L. Cussons will be surrendered for
            cancellation.

3.2   The Vendor agrees to sell to the Purchaser the Shares and Intellectual
      Property Rights and to accept the Payment in full satisfaction of the
      purchase price.

3.3   Each party agrees to cooperate with each other party to provide access to
      all information reasonably requested by another party to verify the
      truthfulness of the representations and warranties contained herein or in
      any other collateral document.

3.4   The effective date of closing of the purchase and sale contemplated herein
      shall be February 22, 2002, formal closing shall be March 5, 2002,
      provided that at or before closing the conditions of closing shall have
      been satisfied or waived by the party or parties for whom such conditions
      were for the exclusive benefit. Upon the closing, the transfer of Shares
      shall be effective from and after the effective date of closing.

3.5   It is understood and agreed that the Vendor shall request and undertake to
      obtain the approval of shareholders holding 50% of the shares of the
      Vendor plus one for the sale of the Shares contemplated herein at the next
      general or special meeting of shareholders.

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4.    TERMINATION OF MANAGEMENT SERVICES AGREEMENT

4.1.  The Purchaser and Vendor mutually agree to terminate the Management
      Services Agreement dated June 15, 2002 effective February 22, 2002 without
      notice or penalty.

4.2.  As of February 22, 2002 the Vendor is indebted to the Purchaser for
      approximately $104,350 under the Management Services Agreement and
      Purchaser agrees to accept Cdn$25,000 cash for full and complete
      settlement if paid by March 31, 2002, otherwise $104,350 remains obligated
      by the Vendor to the Purchaser.

5.    OPTION TO ACQUIRE PURCHASER'S SHARES OF VENDOR

5.1.  The Purchaser agrees to grant John G. Simmonds and/or Brian Usher-Jones,
      or their desginee, an option to acquire up to 5,000,000 shares of the
      Vendor's common stock owned by the Purchaser at US$0.01 per share for the
      period February 22, 2002 to March 31, 2002.

6.    VENDOR'S RIGHT TO PURSUE SELF-SERVICE TECHNOLOGY OPPORTUNITIES

6.1.  The Purchaser agrees that effective February 22, 2002 the Vendor shall
      have the right to pursue any and all Self-Service Technology business
      opportunities, defined as Automated Teller Machine ("ATM"), information
      kiosk, Point of Sale ("POS") or related business opportunities, whether
      now known to the Purchaser or discovered in the future.

6.2.  The Purchaser, and its Officers and Directors release all interests in any
      and all Self-Service Technology business opportunities whether now known
      to the Purchaser or discovered in the future.

7.    RESIGNATION OF DIRECTORS AND OFFICERS

7.1.  Effective February 22, 2002, Mr. Stephen L. Cussons and Mr. Gary N.
      Hokkanen resign as Directors of the Vendor.

7.2.  Effective February 22, 2002, Mr. Stephen L. Cussons resigns as President
      and CEO of the Vendor.

7.3.  Effective February 22, 2002 options previously granted to Mr. Stephen L.
      Cussons and Mr. Gary N. Hokkanen in their capacity as directors are
      returned to the Company.

7.4.  Effective February 22, 2002, Mr. Gary N. Hokkanen agrees to continue as
      interim CFO until a new business opportunity is found for the Vendor.
      Vendor agrees to enter into a new six month Management Services Agreement
      with the Purchaser for the services of Mr. Hokkanen at a rate of Cdn$150
      per hour. All other terms and conditions to be determined in due course.

8.    CONDITIONS OF CLOSING

8.1.  The obligation of the Purchaser to complete this agreement is subject only
      to the following:

(1) the representations and warranties of the Vendor and the Corporation shall
    be true in all material respects now and on the Closing Date;

(2) receipt at closing of the following:

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        (a) full and final releases of the Corporation, Stephen L. Cussons, and
            Gary N. Hokkanen by Brian Usher-Jones, John G. Simmonds, and the
            Vendor;

        (b) undertaking and/or other assurances of Brian Usher-Jones, John G.
            Simmonds, to vote their shares in favour of approval of this
            transaction at any shareholders vote where such approval is sought.

        (c) undertaking of the Vendor to change its name to a name that does not
            contain "Pivotal Self-Service Technologies".

8.2.   The obligation of the Vendor to complete this agreement is subject only
       to the following:

(1) the representations and warranties of the Purchaser shall be true in all
    material respects now and on the Closing Date;

(2) receipt at closing of the following:

(a) full and final releases of Brian Usher-Jones, John G. Simmonds and the
    Vendor by the Corporation, by Stephen L. Cussons and by Gary N. Hokkanen;

9.    REPRESENTATIONS AND WARRANTIES

9.1.  The Vendor and the Corporation represent and warrant as of the date of
      execution of this agreement, and as of the Closing Date, as follows:

(1) the Corporation is duly incorporated and validly subsisting under the laws
    of the Province of Ontario.

(2) the Corporation has full, right, power and capacity to enter into this
    agreement and perform the obligations of the Corporation contained herein.
    The Vendor has full, right, power and capacity to enter into this agreement
    and perform the obligations of the Vendor contained herein. The within
    representations and warranties are subject only to the Vendor's covenant to
    obtain shareholder approval of the transaction after closing as contained
    herein.

(3) The execution and delivery of this agreement and the consummation of the
    transactions contemplated hereby, have been duly authorized, executed, and
    delivered by proper corporate action of the Vendor and the Corporation.
    Shareholders' consent will be obtained after closing if necessary.

(4) This agreement is valid and binding as against the Vendor and the
    Corporation, enforceable against such parties in accordance with its terms,
    except as the enforceability thereof may be limited by applicable
    bankruptcy, insolvency, moratorium, reorganization or other laws of general
    application affecting enforcement of creditors rights or by general
    principles of equity. The within representations and warranties are subject
    only to the Vendor's covenant to obtain shareholder approval of the
    transaction after closing as contained herein.

(5) All consents, approvals, qualifications, orders and authorizations of, or
    filings with all local, state, provincial and federal governmental
    authorities required on the part of the Corporation and the Vendor in
    connection with each of such party's valid execution, delivery or
    performance of this agreement, the offer, sale, issuance or delivery of
    common shares of the Corporation, or the performance by the Corporation and
    the Vendor of its respective obligations in respect thereof have been
    obtained and all required filings have been made. The within representations
    and warranties are subject only to the Vendor's covenant to obtain
    shareholder approval of the transaction after closing as contained herein if
    necessary.

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(6) The execution, delivery, or performance by the Vendor and the Corporation of
    this agreement, or compliance with the terms and provisions of this
    agreement, or the consummation of the transactions contemplated by this
    agreement will not:

(a) to the best of the knowledge of the Vendor and the Corporation, without
    investigation, contravene any applicable law, statute, rule, regulation,
    order, writ, injunction or decree of any Federal, state, provincial or local
    government, court or governmental department, commission, board, bureau,
    agency or instrumentality;

(b) conflict or be inconsistent with, or result in any breach of any of the
    terms, covenants, conditions or provisions of, or constitute a default
    (either immediately or with notice or the passage of time or both) under any
    indenture, mortgage, deed of trust, credit agreement or instrument or any
    other material agreement or instrument to which any of the Vendor or the
    Corporation is a party or by which it may be bound or to which any of the
    foregoing may be subject; or

(c) violate any provisions of the charter documents or bylaws or other
    constituting documents of any of the Vendor or the Corporation.

(7) Except the Shares, there are no other shares, options, rights, warrants or
    other securities capable of being converted to shares of the Corporation
    issued and outstanding. The Shares are validly issued as fully paid shares
    by proper corporate authority.

(8) The Vendor is the legal and beneficial owner of all of the Shares and
    Intellectual Property Rights free of encumbrances.

(9) No person has any agreement, option, understanding or commitment, or any
    right or privilege (whether by law, pre-emptive or contractual) capable of
    becoming an agreement, option or commitment, including convertible
    securities, options, warrants or convertible obligations of any nature, for:

(i)   to the best of the Vendor's knowledge, the purchase, subscription,
      allotment or issuance of, or conversion into, any of the unissued shares
      in the capital of the Corporation or any securities of the Corporation;

(ii)  the purchase from the Vendor of any of the Shares; or

(iii) to the best of the Vendor's knowledge, the purchase or other acquisition
      from of the Vendor or the Corporation of any its undertaking, property or
      assets, other than in the ordinary course of business;

1.    REPRESENTATIONS AND WARRANTIES OF THE PURCHASER

9.2.   The Purchaser represents and warrants as of the date of execution of this
       agreement, and as of the Closing Date, as follows:

(1) the Purchaser is duly incorporated and validly subsisting under the laws of
    the Province of Ontario.

(2) The execution and delivery of this agreement and the consummation of the
    transactions contemplated hereby, have been duly authorized, executed, and
    delivered by proper corporate action.

(3) the Purchaser has full, right, power and capacity to enter into this
    agreement and perform the obligations of the Purchaser contained herein.

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(4) This agreement is valid and binding as against the Purchaser, enforceable
    against the Purchaser in accordance with its terms, except as the
    enforceability thereof may be limited by applicable bankruptcy, insolvency,
    moratorium, reorganization or other laws of general application affecting
    enforcement of creditors rights or by general principles of equity.

(5) All consents, approvals, qualifications, orders and authorizations of, or
    filings with all local, state and federal governmental authorities required
    on the part of the Purchaser in connection with the Purchaser's valid
    execution, delivery or performance of this agreement, the offer, sale,
    issuance or delivery of common shares of the Purchaser, or the performance
    by the Purchaser of its obligations in respect thereof have been obtained
    and all required filings have been made or will be made on a timely basis.

(6) The execution, delivery, or performance by the Purchaser of this agreement,
    or compliance with the terms and provisions of this agreement, or the
    consummation of the transactions contemplated by this agreement will not:

(a) to the best of the knowledge of the Purchaser, without investigation,
    contravene any applicable law, statute, rule, regulation, order, writ,
    injunction or decree of any Federal, state or local government, court or
    governmental department, commission, board, bureau, agency or
    instrumentality;

(b) conflict or be inconsistent with, or result in any breach of any of the
    terms, covenants, conditions or provisions of, or constitute a default
    (either immediately or with notice or the passage of time or both) under any
    indenture, mortgage, deed of trust, credit agreement or instrument or any
    other material agreement or instrument to which the Purchaser is a party or
    by which it may be bound or to which any of the foregoing may be subject; or

(c) violate any provisions of the charter documents or bylaws of the Purchaser.

10.   NON-LITIGATION / CROSS INDEMNIFICATION

10.1. Upon the closing of the purchase and sale contemplated herein all of the
      parties to this agreement, for valuable consideration, the receipt and
      sufficiency of which is hereby acknowledged, does hereby release, remise,
      acquit and forever discharge the others and all of their respective
      officers, directors, agents, representatives, executors, heirs,
      affiliates, administrators, predecessors, successors, and assigns (the
      "Releasees"), from any and all known, unknown, matured and unmatured,
      liquidated and unliquidated, contingent and non-contingent, actions,
      causes of action, claims, demands, damages, costs, suits, debts, dues,
      sums of money, accounts, reckonings, bills, covenants, contracts, liens,
      controversies, agreement, promises, variances, trespasses, extents and
      executions whatsoever, at law or in equity (collectively, the "Claims")
      which the parties to this agreement, or any of them, had, have or may have
      against one or more of the Releasees in respect of any conduct, any matter
      or document, and any Claims, arising, in whole or in part, at any time
      prior to the execution of this agreement or thereafter in respect of the
      performance of any obligations of any parties hereto save and except for
      any Claims arising from this Agreement or any document delivered pursuant
      to this Agreement.

10.2. And for the said consideration each of the parties to this agreement
      agrees that it shall not make any claim or take any proceedings against
      any other person, corporation or legal entity which might claim
      contribution or indemnity from any of the Releasees under the provisions
      of any statute or otherwise with respect to any cause, matter or thing
      released by paragraph 10.1 hereof.

10.3. The Vendor and the Corporation hereby indemnify and hold the Purchaser
      harmless from and against any claims, actions, damages, losses, reasonable
      legal fees and expenses that may be suffered by the Purchaser in the event
      that the representation and warranties of the Vendor and the Corporation
      prove

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      to be untrue in any material respect as of the Closing Date. The
      Purchaser hereby indemnifies and holds the Vendor harmless from and
      against any claims, actions, damages, losses reasonable legal fees and
      expenses that may be suffered by the Vendor in the event that the
      representation and warranties of the Purchaser prove to be untrue in any
      material respect as of the Closing Date. This paragraph 10.3 shall survive
      closing of the purchase and sale contemplated herein for a period of three
      years after closing.

11.   GENERAL

11.1. This Agreement is binding on the parties, and together with the documents
      contemplated herein constitutes the whole and complete statement of
      agreement between the parties as to the subject matter hereof.

11.2. This agreement, and all ancillary agreements between the parties may be
      executed in counterparts and delivered by facsimile transmission. All
      counterparts shall be read together to constitute one agreement.

11.3. Each of the parties hereto agrees to do such further acts and execute such
      further documents as may be necessary or appropriate to give effect to the
      terms of this Agreement both before and after the closing.

11.4. The parties attorn to the non-exclusive jurisdiction of the courts of the
      Province of Ontario. The laws of the Province of Ontario shall govern the
      validity and interpretation of this agreement.

11.5. Each of the parties hereto individually represents and warrants that it
      has the right, power and capacity to enter into and perform its
      obligations as set out herein.

11.6. Notices shall be properly given to a party if delivered, or if sent by
      facsimile transmission to the facsimile numbers set out below, or if sent
      by Federal Express courier, pre-paid to the addresses set out below and
      signed for at the address set forth for receipt, or if sent by pre-paid
      post to the addresses set out below, provided that if a postal disruption
      is imminent, notices shall not be sent by pre-paid post. If delivered,
      notice shall be effective upon receipt. If sent by facsimile transmission,
      notice shall be effective at the date and time of transmittal. If sent by
      Federal Express courier, notice shall be effective upon receipt. If sent
      by pre-paid post, notice shall be effective five (5) business days after
      the date of posting.

      Addresses for service of notice:

      The Corporation and the Vendor address:

      13980 Jane Street
      King City, Ontario, L7B 1A3
      Fax: 905-833-6942

      The Purchaser: address:

      5925 Airport Road
      Mississauga, Ontario, L4V 1W1
      Fax: 905-672-8630

11.7. This agreement is not assignable by the Vendor or the Purchaser, without
      the written permission of the other.

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11.8. The parties confirm that there have been no brokers or finders in
      connection with the transactions contemplated herein, and each party
      agrees to indemnify the other against any brokers' or finders' fees or
      commissions or other compensation sought by persons purporting to have
      acted as agent or finder for such party in connection with the
      transactions contemplated herein.

11.9. Each party is responsible for his or her or its own expenses, including
      professional fees and disbursements and applicable taxes, in connection
      with the negotiation, drafting, execution and delivery of this agreement,
      and the conduct of any due diligence sought to be conducted by such party,
      except as otherwise expressly provided to the contrary.

IN WITNESS WHEREOF THE PARTIES HAVE CAUSED THESE PRESENTS TO BE EXECUTED AS OF
THE DAY AND YEAR FIRST ABOVE WRITTEN.

Pivotal Self-Service Technologies Inc.

Per:
     ------------------------------
John G. Simmonds
Director

4CASH ATM Services Canada Inc.

Per:
     ------------------------------
Gary N. Hokkanen
CFO

IRMG Inc.

Per:
     ------------------------------
Gary N. Hokkanen
CFO

                                       28<Page>

                                                                    Exhibit 10.6

                                 PROMISSORY NOTE
                                 (Demand / Term)
                        (Base Rate / LIBOR / Fixed Rate)

USD 3,750,000.00                                                January 10, 2002

                  FOR VALUE RECEIVED, the undersigned (the "Borrower") hereby
promises to pay to BANCO BILBAO VIZCAYA, S.A. (the "Bank") at Elizabethan Square
George Town, Grand Cayman, Cayman Islands, B.W.I., the principal sum of
USD THREE MILLION SEVEN HUNDRED FIFTY THOUSAND 00/100 DOLLARS in lawful money of
UNITED STATES OF AMERICA and in immediately available funds:

                  [ ]  on demand,

                  [ ]        days from date
                       ----

                  [X]  on April 26, 2003
                          --------------
                          [maturity date]

                  The Borrower promises also to pay interest on the unpaid
principal hereof in like money and like funds at said office from the date
hereof until paid:

                  [X]  at the rate of11.25% per annum

                  [ ]  at the rate of    % per annum
                       above the Bank's floating Base Lending Rate

                  [ ]     %per annum above LIBOR       MONTH(s)
                       ---                       -----

provided that, on and after maturity (by acceleration or otherwise), such rate
per annum shall be 2% in excess of that which would otherwise be applicable and
provided further that the interest rate applicable hereunder shall at all times
be the lesser of (a) the rate specified herein or (b) the maximum permitted by
law. "Base Lending Rate" shall mean the rate announced by the Bank from time to
time at its Grand Cayman Office as base lending rate for domestic commercial
loans, such rate to change on the effective date of each change in the Base
Lending Rate so announced by the Bank. Interest shall be computed on the number
of days actually elapsed on the basis of a 360-day year. "LIBOR" shall mean the
interest rate per annum quoted to the Bank in the London interbank borrowing
market for deposits of U.S. dollars in such amount and for such duration as
corresponds to the loan in question.

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                  Such interest shall be payable:

                  [ ]  monthly

                  [ ]  bimonthly

                  [X]  quarterly

                  [ ]  semiannually

                  [ ]  annually

                  [ ]  at maturity only

in arrears, commencing on the date of disbursement of the funds, upon any
prepayment hereon (to the extent accrued on the amount thereof); at maturity
(whether by acceleration or otherwise) or, if the principal hereof is due on
demand, on demand; and after maturity on demand.

                  All payments by the Borrower under this Note are to be made
without any whithholding or deduction for any and all present or future taxes,
duties, levies, fees or other charges and without any set-off or counter-claim
whatsoever. If any deduction or witholding is required in respect of any sum
payable under this Note, the Borrower shall increase the sum so that the net
amount received by the Bank after the deduction of withholding (and after the
payment of any tax or additional tax which is due as a consequence of the
increase) shall be equal to the amount which the Bank would have been entitled
to receive in the absence of any requirement to make a deduction or witholding.

                  If in connection with any loan to which the LIBOR-based
interest rate applies there shall occur any event (including but not limited to
an increase in reserve requirements) which the Bank in its sole discretion
determines would result in the Bank not receiving interest effective at the rate
specified herein, the Borrower shall pay to the Bank, on demand, such additional
amounts as may be necessary to compensate the Bank for any such deficiency.

                  Without prejudice to the Bank's right hereunder, if for any
reason it becomes unlawful or impossible for the Bank to make, maintain or fund
this Note or give effect to its obligations as contemplated by this Note, or any
of the obligations expressed as being assumed by the Borrower under this Note is
not or ceases to be valid, legal, binding and enforceable against the Borrower
in accordance with its terms, the the Bank's

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obligations hereunder shall terminate and the Bank may, by written notice to the
Borrower, terminate this Note forthwith and demand immediate payment of, and the
Borrower will forthwith pay the Bank, all sums outstanding hereunder.

                  Upon the occurrence of any of the following specified
events of default -- (a) the Borrower shall default in the due and punctual
payment of any interest on this Note; or (b) any representation, warranty or
statement made by the Borrower herein or in writing in connection herewith,
or in any certificate or financial or other statement furnished in connection
herewith, shall be breached or shall prove to be untrue in any material
respect on the date as of which made, or shall omit to state a material fact
necessary to make such representations, warranties or statements not
misleading; or (c) the Borrower shall default in the due payment of any
indebtedness (direct or contingent) for borrowed money or evidenced by a
bond, debenture, note or other security or by an agreement of guarantee or
any holder of any such indebtedness of the Borrower (or a person acting on
their behalf) shall become entitled to cause any such indebtedness to become,
or any such indebtedness shall become, due prior to its stated maturity; or
(d) the Borrower shall suspend or discontinue its business, or shall make an
assignment for the benefit of, or composition with, creditors, or shall
become insolvent or unable or generally fail to pay its debts when due; or
the Borrower shall become a party or subject to any liquidation or
dissolution action or proceeding with respect to the Borrower or any
bankruptcy, reorganization, insolvency or other proceeding for the relief of
financially distressed debtors with respect to the Borrower, or a receiver,
liquidator,custodian or trustee shall be appointed for the Borrower or a
substantial part of its assets and, if any of the same shall occur
involuntarily as to the Borrower, it shall not be dismissed, stayed or
discharged within 60 days; or if any order for relief shall be entered
against the Borrower under Chapter 11 of the United States Code entitled
"Bankruptcy"; or the Borrower shall take any action to effect, or which
indicates its aquiescence in any of the foregoing; -- THEN due, and in any
such event, and at any time thereafter if any such event of default shall
then be continuing, the Bank may, by written notice to the Borrower, declare
the principal of, and interest on, this Note to be, whereupon the same shall
forthwith become, immediately due and payable without presentment, demand,
protest or other notice of any kind.

                  The Borrower represents and warrants that (i) all acts,
filings, conditions and things required to be done and performed

                                       3
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and to have happened (including, without limitation, the obtaining of necessary
governmental approvals) precedent to the issuance of this Note to constitute
this Note the duly authorized, legal, valid and binding obligation of the
Borrower, enforceable in accordance with its terms have been done, performed and
have happened in due and strict compliance with all applicable laws; (ii) the
issuance and performance of this Note will not violate any law, rule,
regulation, order, decree, permit, agreement or instrument to which the Borrower
is a party or is subject, or result in the imposition of any lien upon any of
the Borrower's assets; and (iii) the Borrower's financial statements delivered
to the Bank in connection herewith, if any, fairly present the financial
condition and the results of operations of the Borrower as at the end of and for
the periods covered thereby and there has been no material adverse change in the
condition (financial or otherwise) of the Borrower since the date of the last
financial statement delivered by the Borrower to the Bank.

                  This Note is secured :

                           [X]   time deposits, securities and current accounts
                                 held with the Bank.

                           [ ]   pursuant to a Security Agreement between the
                                 Bank and the Borrower, dated

                           [ ]   a guaranty of           , dated               .
                                               ---------         --------------

                           [ ]   other security, described as follows:

                                 -----------------------------------------

(together the "collateral")

If the value of the collateral falls below [the usual or agreed upon
margin][166% of the aggregate principal amount of this Note] or if for any other
reasons the Bank considers that the collateral provided is no longer sufficient
to cover its claims, the Borrower shall on first demand from the Bank, reduce
the amount of indebtedness hereunder or provide additional security to the Bank
in order to reinstate the margin within the limit required by the Bank. If the
Borrower fails to comply with the Bank's request to either reduce the
indebtedness or provide additional security within the required time limit or,
due to practical or legal grounds, it is impossible for the Bank to contact the
Borrower, all of the Borrower's obligations under this Note shall immediately
become due and payable in their entirety.

                                       4
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In addition to any general lien, right of set-off or similar right to which the
Bank, as bankers, may be entitled by law, the Bank may at any time [after demand
has been made hereunder] and without notice to the Borrower, debit any of the
Borrower's accounts with the Bank with all or any part of the aggregate
principal amount of all sums then outstanding under this Note and all other
amounts payable by the Borrower to the Bank hereunder, notwithstanding that such
debit may cause any such account to become overdrawn or cause an existing
overdraft to be increased, and/or set off or transfer any sum or sums standing
to the credit of any of the Borrower's accounts with the Bank, whether or not
the same may result in the breaking of any fixture or notice period in relation
to a credit or deposit balance, in or towards satisfaction of the Borrower's
liabilities to the Bank on any other account (whether such liability is actual
or contigient, primary or collateral, present or future, several or joint) or in
any other respect; and if such liability or any part thereof is in different
currency from any credit balance against which the Bank seeks to set it off, the
Bank shall be entitled to use the currency of such credit balance for the
purchase of an amount in the currency of the liability not exceeding the amount
of such liability and also to pay out of such credit balance any additional sum
which th Bank may be required to pay for such currency and any costs in
connection with such purchase.

                  This Note is subject to prepayment in whole or in part without
premium or penalty except in the case of a LIBOR-based loan, prepayment of which
may be subject to premium or penalty. The Borrower (i) waives presentment,
demand, protest or notice of any kind in connection with this Note and (ii)
agrees to pay to the holder hereof, on demand, all costs and expenses (including
reasonable legal fees) incurred in connection with the enforcement and
collection of this Note. This Note shall be construed in accordance with and
governed by laws of the Cayman Islands.

                  The Borrower agrees that any legal action or proceeding with
respect to this Note against the Borrower may be brought in the courts of the
Cayman Islands located in the City of George Town, Grand Cayman and that process
out of said courts may be served by mail and that such service shall be deemed
effected 10 days after mailing. Nothing herein shall affect the right of the
Bank to serve process in any other manner permitted by law or to commence legal
proceedings in any other jurisdiction.

                                       5
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Name of Borrower:

                  By (signature): /s/ EDGAR ZURCHER
                                  --------------------------------
                  Print:          EDGAR ZURCHER

                  Name of Borrower: PRICSMARLANDCO, S.A.
                                    ------------------------------
                  Title: PRESIDENT

                  Address:   SAN JOSE, COSTA RICA
                           ---------------------------------------

jurisdiction of Incorporation/
Organization (if not an individual): COSTA RICA
                                     -----------------------------

                                       6

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