Document:

Exhibit 10.1

                              SETTLEMENT AGREEMENT

THIS SETTLEMENT AGREEMENT (the "Agreement") is entered into as of the 15th day
of November, 2004, by and among Vital Health Technologies, Inc. (a.k.a.
Caribbean American Health Resorts, Inc.), a Minnesota corporation (the
"Company"), Aurora Capital Holdings, L.L.C., a Minnesota limited liability
company ("Transferor"), and General Finance and Development, Inc., a Minnesota
corporation ("GFD").

BACKGROUND

WHEREAS, the Company and Caribbean American Health Resorts, Inc., a Nevada
corporation ("CAHR"), entered into an Agreement and Plan of Share Exchange,
dated as of March 10, 2003 (the "Share Exchange Agreement"), whereby the Company
agreed to issue to each CAHR shareholder one share of the Company's common stock
in exchange for each share of CAHR common stock held by such CAHR shareholder;

WHEREAS, as a result of the Share Exchange Agreement, CAHR became a wholly-owned
subsidiary of the Company and the shareholders of CAHR became shareholders of
the Company;

WHEREAS, Section 5(b) of the Share Exchange Agreement provides that as part of
the share exchange transaction, certain existing shareholders of the Company
shall form a separate entity for the sole purpose of purchasing the heart
screening technology of the Company in exchange for returning to the Company
1,850,000 shares of the Company's common stock then held by such shareholders;

WHEREAS, the Transferor owns 1,850,000 shares of the Company's common stock (the
"Shares"), and it was intended that the Transferor would transfer the Shares to
the Company in exchange for a transfer from the Company of certain heart
screening technology and other assets of the Company as set forth on Schedule A
(collectively, the "Assets") to an entity to be formed by the Transferor;

WHEREAS, the Transferor has formed GFD for the purpose of
acquiring the Assets, and has a direct or indirect economic interest in GFD and
the acquisition of the Assets by GFD;

WHEREAS, the Company claims that it has
transferred the Assets to the Transferor and is entitled to receive the Shares,
but the Transferor claims that it has not yet received the Assets and refuses to
transfer the Shares to the Company as contemplated by the Share Exchange
Agreement; and

WHEREAS, the parties agree that in order to settle this
outstanding dispute, the Transferor will transfer 1,700,000 of the Shares (the
"Redemption Shares") to the Company, the Company will transfer all of the Assets
to GFD pursuant to the terms and conditions of this Agreement and GFD will grant
a non-exclusive license to the Company to use the Assets as more specifically
set forth in the License Agreement, attached hereto as Exhibit B.

AGREEMENT

NOW, THEREFORE, in consideration of the mutual covenants, conditions and
agreements herein contained and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereby
agree as follows:

1. Redemption. Subject to the terms and conditions herein set forth, in
consideration for the transfer of the Assets by the Company to GFD, the
Transferor hereby agrees to sell, transfer and convey to the Company, and the
Company agrees that it will redeem and purchase from the Transferor, on the
Closing Date (as defined below), the Redemption Shares.

2. Transfer of Assets. Subject to the terms and conditions herein set forth, in
consideration of the transfer of the Redemption Shares by the Transferor to the
Company, the Company agrees that it will transfer the Assets to GFD on the
Closing Date. The Transferor and GFD hereby acknowledge that the Assets are
being transferred at Closing on an "as is" basis and the Company makes no
express or implied representations or warranties about the existence or
condition of the Assets, and explicitly disclaims any implied warranties of
merchantability or fitness for a particular purpose.

3. Place and Date of Closing. The closing of the transactions contemplated by
this Agreement (the "Closing") shall take place at the offices of Robins,
Kaplan, Miller & Ciresi L.L.P. in Minneapolis, Minnesota on November 12, 2004,
or such other time as mutually agreed by the parties (the "Closing Date").

4. Closing Conditions.
4.1 Conditions to Obligations of the Company. The
obligation of the Company to consummate the transactions contemplated by this
Agreement is subject to the fulfillment, prior to or at the Closing, of all of
the following conditions:

<PAGE>

(a) Settlement Agreement. The Transferor and GFD shall have executed and
delivered to the Company this Agreement;

(b) Certificates. The Company or the Company's transfer agent shall have
received the stock certificates representing the Redemption Shares, accompanied
by stock powers duly endorsed for transfer to the Company; and

(c) License Agreement. GFD shall have executed and delivered to the Company the
License Agreement in the form attached hereto as Exhibit B.

4.2 Conditions to Obligations of the Transferor and GFD. The obligations of the
Transferor and GFD to consummate the transactions contemplated by this Agreement
are subject to the fulfillment, prior to or at the Closing, of all of the
following conditions:

(a) Settlement Agreement. The Company shall have executed and delivered to the
Transferor and GFD this Agreement; and

(b) Transfer of Assets. The Company shall have executed and delivered to GFD a
Bill of Sale and such other instruments of conveyance, transfer, assignment and
delivery as GFD shall reasonably request.

5. Representations of the Transferor and GFD. The Transferor and GFD jointly and
severally represent and warrant to the Company as follows:

5.1 Ownership. The Shares constitute the only equity interest that the
Transferor holds in the Company. The Transferor has no other equity interest in
the Company or any of its subsidiaries or affiliates. The Transferor is the sole
beneficial owner of the Redemption Shares; has the right to vote the Redemption
Shares and exercise all other rights and powers with respect thereto; and has
good and marketable title thereto free from any liens, encumbrances, security
agreements, or claims of any nature. There is no restriction, subscription,
option, warrant, right, call, contract, voting trust, irrevocable proxy, voting
arrangement, commitment, understanding or agreement relating to the sale, voting
or transfer of any of the Redemption Shares held by the Transferor.

5.2 Authority. The Transferor and GFD have all requisite power and authority to
do and perform all acts and things required to be done by them under this
Agreement. This Agreement and the agreements contemplated hereby have been or
will be duly executed on or before the Closing Date and delivered by the
Transferor and GFD and constitute or will as of the Closing constitute the
legal, valid and binding obligations of the Transferor and GFD enforceable in
accordance with their respective terms.

5.3 Violations. The performance of this Agreement and the consummation of the
transactions contemplated hereby will not result in a breach or violation of any
of the terms or provisions of any other agreement, settlement, judgment or
instrument to which the Transferor or GFD is a party or by which the property of
the Transferor or GFD is bound.

5.4 Access to Information. The Transferor acknowledges that it has had an
opportunity to discuss the Company's business, management and financial affairs
with the Company's management and has had an opportunity to review the Company's
facilities, corporate books and records, financial information and other related
agreements and documents pertaining to the Company and to ask any questions
regarding the business or prospects of the Company. The Transferor has received
all the information it needs to make an informed decision regarding the sale and
transfer of the Redemption Shares to the Company. The Transferor does not
require or desire any additional information or data pertaining to the Company
in connection with the transactions contemplated by this Agreement.

6. Representations of the Company. The Company represents and warrants to the
Transferor and GFD as follows:

6.1 Authority. The Company has all requisite corporate power and authority to do
and perform all acts and things required to be done by it under this Agreement.
This Agreement and the agreements contemplated hereby have been or will be duly
executed on or before the Closing Date and delivered by the Company and
constitute or will as of the Closing constitute the legal, valid and binding
obligations of the Company enforceable in accordance with their respective
terms.

6.2 Violations. The performance of this Agreement and the consummation of the
transactions contemplated hereby will not result in a breach or violation of any
of the terms or provisions of any other agreement, settlement, judgment or
instrument to which the Company is a party or by which the property of the
Company is bound.

7. Indemnification.

7.1 By the Company. The Company agrees to indemnify, defend and hold harmless
the Transferor and GFD from and against any and all losses, damages,
liabilities, obligations, costs or expenses (any one such item being herein

<PAGE>

called a "Loss" and all such items being herein collectively called "Losses")
which are caused by or arise out of (i) any breach or default in the performance
by the Company of any covenant or agreement contained in this Agreement, (ii)
any breach of warranty or inaccurate or erroneous representation made by the
Company herein, or (iii) any and all actions, suits, proceedings, claims,
demands, judgments, costs and expenses (including reasonable legal fees) arising
out of the foregoing.

7.2 By the Transferor and GFD. The Transferor and GFD hereby agree to jointly
and severally indemnify, defend and hold harmless the Company, and its
successors and assigns, together with its officers, directors, and shareholders,
from and against any and all Losses which are caused by or arise out of (i) any
breach or default in the performance by the Transferor or GFD of any covenant or
agreement contained in this Agreement, (ii) any breach of warranty or inaccurate
or erroneous representation made by the Transferor or GFD contained herein, or
(iii) any and all actions, suits, proceedings, claims, demands, judgments, costs
and expenses (including reasonable legal fees) arising out of the foregoing.

8. Notices. All notices or other communications to a party required or permitted
hereunder shall be in writing and shall be delivered personally or by facsimile
to such party (or, in the case of an entity, to an executive officer of such
party) or shall be given by a national overnight courier service, addressed as
follows: if to the Company: Caribbean American Health Resorts, Inc. 9454
Wilshire Boulevard, Suite 600 Beverly Hills, California 90212 Attention: Halton
G. Martin Fax: (310) 860-1882

         with a copy to:            Dennis P. R. Codon, Esq.
                                    Robins, Kaplan, Miller & Ciresi L.L.P.
                                    2049 Century Park East, Suite 3700
                                    Los Angeles, California  90067
                                    Fax:  (310) 229-5800

         if to the Transferor:      Aurora Capital Holdings, L.L.C.
                                    855 Village Center Drive Suite 315
                                    North Oaks, Minnesota 55127
                                    Attention:  William Kieger
                                    Fax: (651) 483-0825 (Call first)

         if to GFD:                 General Finance and Development, Inc.
                                    855 Village Center Drive Suite 315
                                    North Oaks, Minnesota 55127
                                    Attention:  William Kieger
                                    Fax: (651) 483-0825 (Call first)

Any party may change the above specified recipient and/or mailing address by
notice to all other parties given in the manner herein prescribed. All notices
shall be deemed given on the day when actually delivered as provided above (if
delivered personally or by facsimile) or on the day after deposit with a
national overnight courier service.

9. Miscellaneous.

9.1 Complete Agreement. This Agreement and the Schedule and Exhibit attached
hereto constitute the entire agreement between the parties hereto with respect
to the subject matter hereof and supersede all prior agreements (including the
Stock Exchange Agreement) whether written or oral relating to the subject matter
hereof.

9.2 Amendment. This Agreement may not be amended except by an instrument in
writing signed by each of the parties hereto.

9.3 Waiver, Discharge. The failure of any party hereto to enforce at any time
any of the provisions of this Agreement shall in no way be construed to be a
waiver of any such provision, nor in any way affect the validity of this
Agreement or any part thereof or the right of the party thereafter to enforce
each and every such provision. No waiver of any breach of this Agreement shall
be held to be a waiver of any other or subsequent breach.

9.4 Further Assurances. At such time and from time to time on and after the
Closing Date upon request by any party, the parties will execute, acknowledge
and deliver, or will cause to be done, executed, acknowledged and delivered, all
such further acts, deeds, assignments, transfers, conveyances, powers of
attorney and assurances that may be required or to otherwise carry out the
purposes of this Agreement.

9.5 Survival. The representations and warranties of the parties and the
respective indemnification provisions contained in this Agreement shall survive
the Closing hereunder and continue in full force and effect forever thereafter
(subject to any applicable statutes of limitations).

9.6 Successors and Assigns. This Agreement shall be binding upon and inure to
the benefit of the parties hereto and the successors or assigns of the parties
hereto; provided that no party may assign its rights herein or delegate its
duties hereunder without the prior written consent of the other parties.

9.7 Governing Law. This Agreement shall be governed by and interpreted in
accordance with the laws of the State of Minnesota, including all matters of
construction, validity, performance and enforcement, without giving effect to
principles of conflict of laws of any jurisdiction.

9.8 Counterparts. This Agreement may be executed by facsimile signature and in
any number of counterparts, each of which shall be deemed as original and all of
which together, when delivered, shall constitute one instrument.

         IN WITNESS WHEREOF, the Company, the Transferor and GFD have caused
this Agreement to be signed on the date first above written.

         THE COMPANY:

         Vital Health Technologies, Inc.

         By: /s/  Halton G. Martin
                  Halton G. Martin, Chief Executive Officer

THE TRANSFEROR:

Aurora Capital Holdings, L.L.C.

By:

Name:

Its:

GFD:

General Finance and Development, Inc.

By:

Name:

Its:

[SIGNATURE PAGE TO SETTLEMENT AGREEMENT]

<PAGE>

SCHEDULE A

THE ASSETS

All assets associated with the Company's heart screening business activities,
including the files, furniture, artwork and technology located at the North Star
Mini Storage facility in Shoreview, Minnesota and listed under the Company's
name.

EXHIBIT B

LICENSE AGREEMENT

<PAGE>Exhibit 10.2

                         NON EXCLUSIVE LICENSE AGREEMENT

This Agreement (this "Agreement") is made as of the 15th day of November, 2004
by and between GENERAL FINANCE AND DEVELOPMENT, INC., a Minnesota corporation
(hereinafter called "Licensor") and VITAL HEALTH TECHNOLOGIES, INC. (a.k.a.
Caribbean American Health Resorts, Inc.), a Minnesota corporation. Vital Health
Technologies, Inc. and its subsidiaries are collectively referred to hereinafter
as "Licensee".

BACKGROUND

         WHEREAS, there exists a technology called Variance Cardiography for the
diagnosis of heart disease, involving computer processing and pattern
recognition of electrocardiograms (the "Technology");

         WHEREAS, the Licensee owned the Technology and, pursuant to that
certain Settlement Agreement dated as of November 15, 2004 by and between the
Licensor, Vital Health Technologies and Aurora Capital Holdings, L.L.C. (the
"Settlement Agreement"), the Licensee agreed to transfer the Technology to the
Licensor in accordance with the terms and conditions of the Settlement
Agreement;

         WHEREAS, pursuant to the terms of the Settlement Agreement, the
Licensor has agreed to execute this License Agreement, granting the Licensee a
non-exclusive license to the Technology; and

         WHEREAS, the Licensor desires to license the Technology to Licensee for
the continued development and commercialization of Technology on the terms and
conditions set forth.

AGREEMENT

         NOW, THEREFORE, in consideration of the foregoing and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereby agree as follows:

1. License. Licensor hereby grants to Licensee a non-exclusive, irrevocable,
worldwide, unlimited license to make, have made, modify, copy, distribute,
publicly perform, publicly display, electronically transmit, reverse engineer,
make derivatives of, develop, use, market and sell the Technology, with the
right to sublicense third parties to do any of the foregoing. Licensor reserves
the right to enter into non-exclusive license agreements with other parties.

2. Technology Transfer. Within 10 days of a written request by Licensee, all
available proprietary information regarding the Technology will be made
available to Licensee including, but not limited to: one (1) prototype system,
software codes, copies of schematics and clinical studies, contacts for
development purposes including physicians, engineers, manufacturers, suppliers
and consultants. In the event Licensee requires a prototype system to be shipped
to a designated location, Licensee shall arrange for and pay the shipping cost.
Licensor will arrange for a one (1) day orientation and training session on the
operation of the prototype system (limited to the United States) without charge
to the Licensee. Licensor shall pay all costs of storage for the Technology
prior to and throughout the term of this Agreement; provided, however, that the
Licensee shall pay any costs of storage incurred for the storage of the
Technology outside of the state of Minnesota if the Licensee requests the
Licensor to ship such Technology under this Section 2.

3. Improvements. Any improvements, extensions, updates, derivatives, variations
and versions of and to the Technology developed after the date hereof by
Licensor shall be included in the Technology. Any improvements, extensions,
updates, derivatives, variations and versions of and to the Technology made by
Licensee after the date hereof shall be the exclusive property of Licensee and
Licensee shall have no obligation to share any such improvements developed by it
with Licensor.

4. Licensor's Representations and Warranties. Licensor represents and warrants
as follows:

<PAGE>

a. Licensor has the full power and authority to execute, deliver,
and perform this Agreement and has taken all steps and shall do all things
appropriate and necessary to consummate these transactions described herein.

b. Licensor is the sole and exclusive owner of the Technology and has the right
to license the Technology as described in this Agreement without the consent of
any other person. The Technology licensed hereby is free and clear of all
claims, security interests, encumbrances and liens of any kind. Licensor
warrants that it owns the entire right, title and interest in and to the
Technology and that no prior sale, license, assignment or transfer thereof has
been granted.

c. There are no pending or threatened claims, actions, suits, arbitrations,
administrative or governmental proceedings or investigations, or infringement,
unfair competition or trade restrictions that will or are likely to affect the
terms of this Agreement, nor has Licensor received any notice or communication
of any impending action that could reasonably result in any of the foregoing.

5. Royalty Payments. It is understood and agreed that the license granted
hereunder includes the right to market and sell the Technology. During the term
of this Agreement, Licensor shall be entitled to the sums herein provided from
Licensee as royalty payments: Five percent (5%) of gross revenue actually
received by the Licensee upon the marketing and sale of the Technology, to be
paid to the Licensor on a quarterly basis, 60 days following the end of each
calendar quarter. These payments will start in the calendar quarter in which
Licensee first receives revenue in respect of the Technology.

6. Accounting. Licensee shall make and keep at its usual place of business true,
complete and contemporary entries of all particulars relating to revenues
received by Licensee in respect of the Technology. Upon request by Licensor,
Licensor shall be permitted, at its own expense and not more than once each
calendar year, to cause an independent third party to review the books and
records of Licensee to ensure that it has received all payments owed to the
Licensor under Section 5 of this Agreement. The accountants shall only report to
the Licensor the proper amount of payment due to the Licensor in each accounting
period and a copy of their report shall be given to Licensee.

7. Licensee's Right of First Refusal. If, during the term of this Agreement,
Licensor intends to assign or transfer all or any part of the Technology,
Licensor shall first give notice thereof to Licensee, whereupon Licensee shall
have thirty (30) days after the receipt of such notice to elect to purchase all
right, title and interest in and to the Technology at the price to be paid to
Licensor by the third party assignee.

8. Right to assign. Neither party may assign this Agreement without the prior
express written consent of the other party.

9. Termination. This Agreement shall continue into perpetuity until terminated
as provided below: a. If Licensee shall fail to make payment to Licensor of any
undisputed amount, when due and in the manner stated, then Licensor may
terminate this Agreement if the failure to pay remains uncured for 30 days after
written notice was given by the Licensor of such failure to pay;

b. If Licensor breaches any provision of this Agreement, then Licensee may
terminate this Agreement if the default remains uncured for 30 days after
written notice was given by the Licensee of such breach; and

c. If Licensee exercises the Right of First Refusal for all of the Technology as
provided in Section 7 of this Agreement, this Agreement will terminate
immediately upon the closing of the purchase of the Technology.

10. Liability and Indemnification. Licensee agrees to indemnify and hold
harmless the Licensor and its directors, officers and employees, from any and
all claims, demands and actions whatsoever which may be brought against
Licensor, its directors, officers, and employees, by virtue of anything arising
from the development, marketing and application of the Technology by Licensee.
Licensor agrees to indemnify and hold harmless the Licensee and its directors,
officers and employees from any and all claims, demands and actions whatsoever
(including attorneys' fees) which may be brought against Licensee, its
directors, officers and employees, relating to the Technology or to a breach by
Licensor of this Agreement, including but not limited to claims or allegations
by third parties that the Technology infringes a third party's proprietary
rights.

<PAGE>

11. Licensor Bankruptcy. All rights and licenses granted under or
pursuant to this Agreement by Licensor to Licensee are, and shall otherwise be
deemed to be, for purposes of Section 365(n) of the United States Bankruptcy
Code, licenses of rights to "intellectual property" as defined under Section
101(56) of the United States Bankruptcy Code. The parties agree that Licensee,
as a licensee of such rights under this Agreement, shall retain and may fully
exercise all of its rights and elections under the United States Bankruptcy
Code. The parties further agree that, in the event of the commencement of a
bankruptcy proceeding by or against Licensor under the United States Bankruptcy
Code, Licensee shall be entitled to a complete duplicate of (or complete access
to, as appropriate) any such intellectual property and embodiments of such
intellectual property, and the same, if not already in its possession, shall be
promptly delivered to Licensee upon written request therefor by Licensee (a)
upon any such commencement of a bankruptcy proceeding, unless Licensor elects to
continue to perform all of its obligations under this Agreement, or (b) if not
delivered under this Agreement, or if not delivered under (a) above, upon the
rejection of this Agreement by or on behalf of Licensor.

12. Relationship. Nothing in this Agreement shall create a partnership, joint
venture or establish the relationship of principal and agent or any other
relationship of similar nature between the parties. There are no third party
beneficiaries to this Agreement.

13. No Obligation to Use. Nothing herein shall be construed as an obligation of
the Licensee to use the Technology or any part thereof, in any manner or for any
purpose whatsoever.

14. Notices. All notices, requests, demands and other communications hereunder
shall be in writing, and shall be delivered by hand or sent by mail, facsimile
transmission or overnight courier. Notices sent by mail shall be sent by
certified mail, return receipt requested and shall be deemed received on the
date of receipt indicated by the receipt verification provided by the U.S.
Postal Service. Notices delivered by overnight courier shall be deemed received
on the date of receipt indicated by the verification provided by the courier.
Notices sent by facsimile transmission shall be deemed received the day on which
sent, and shall be conclusively presumed to have been received in the event that
the sender's copy of the facsimile transmission contains the "answer back" of
the other party's facsimile transmission. Notices shall be effective upon
receipt. Notice shall be given, mailed or sent to the parties at the following
addresses, or such other addresses as are provided by the parties:

If to the Licensee:

CEO
Caribbean American Health Resorts, Inc.
9454 Wilshire Blvd., Suite 600
Beverly Hills, CA 90212
Fax:  (310) 860-1882

With a copy to:

                  Dennis P. R. Codon, Esq.
                  Robins, Kaplan, Miller & Ciresi L.L.P.
                  2049 Century Park East, Suite 3700
                  Los Angeles, CA  90067
                  Fax:  (310) 229-5800

If to the Licensor:

                  CEO
                  General Finance and Development, Inc.
                  855 Village Center Dr., Suite 315
                  St. Paul, MN 55127 Fax: ( 651 ) 483-0825 (Call first)

15. Entire Agreement; Amendment; Waiver. This Agreement, together with the
Settlement Agreement, constitutes the entire agreement between the parties
hereto pertaining to the subject matter hereof and supersedes all prior
agreements, understandings, negotiations and discussions, whether oral or
written, of the parties hereto, pertaining to such subject matter. There are no
warranties, representations or agreements, express or implied, between the
parties in connection with the subject matter hereof except as may be
specifically set forth herein. No amendment, supplement, modification or waiver
of this Agreement shall be binding unless it is set forth in a written document
signed by the Licensor and the Licensee. No waiver of any of the provisions of
this Agreement shall be deemed or shall constitute a waiver of any other
provisions (whether or not similar) nor shall such waiver constitute a
continuing waiver unless otherwise expressly provided in a written document
signed by the parties hereto.

16. Severability. In the event that any provision of this Agreement is held
invalid by the final judgment of any court of competent jurisdiction, the
remaining provisions shall remain in full force and effect as if such invalid
provision had not been included herein.

17. Binding Effect. Except as otherwise provided herein, this Agreement shall
inure to the benefit of and shall be binding upon only the parties, their
respective successors and their permitted transferees and assigns.

18. Construction. This Agreement has been entered into after negotiation and
review of its terms and conditions by parties under no compulsion to execute and
deliver a disadvantageous agreement. No ambiguity or omission in this Agreement
shall be construed or resolved against either Licensor or Licensee on the ground
that this Agreement or any of its provisions were drafted or proposed by
Licensor or Licensee.

19. Survival. The provisions of Sections 10 and 11 shall survive the termination
of this Agreement and remain in full force and effect thereafter.

20. Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Minnesota, without giving effect to the
rules or principles of any jurisdiction or sovereign county with respect to
conflict of laws.

IN WITNESS WHEREOF the parties hereto have executed this License Agreement
effective as of the date above:

Vital Health Technologies, Inc.

By:  /s/ Halton Martin
Halton Martin, CEO

General Finance and Development, Inc.

By: /s/  William Kieger
         William Kieger, CEO

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