Document:

Exhibit 10.12

(ix)
                 U.S. DOLLAR COMMERCIAL LINE OF CREDIT AGREEMENT

Branch:  989  Derry  Road,  Suite  303,  Mississauga,  Ontario,  L5T  2J8
Date:  February  22,  2002

Laurentian  Bank  of  Canada  (the  "Bank")  and  the  undersigned borrower (the
"Borrower")  agree  as  follows:

1.     The  Bank hereby grants to the Borrower, which in turn accepts, a line of
credit  for  carrying  on  his enterprise in the form of a renewable demand loan
(the  "Operating Credit") not exceeding at any time the capital for an amount of
ONE  MILLION  DOLLARS  ($1,000,000.00)  (hereinafter  referred to as the "Credit
                         ------------
Limit"),  subject  to  the  following  terms  and  conditions (the "Agreement").

2.     The  Borrower  promises  to  pay  to the Bank, on demand, any amount owed
under  this  Agreement  including,  but without being limited to, the principal,
interest,  fees  and  any  incidental  expenses  of  the  Operating  Credit.

3.     Unless  the Bank has requested the full payment of any outstanding amount
under  the  terms  and  conditions  of  this  Agreement,  or has terminated this
Agreement,  the  Borrower  may borrow, repay and reborrow up to the Credit Limit
granted,  in  compliance  with  the  terms  and  conditions  herein.

     Pursuant  to  the  Operating  Credit,  each  advance  and each repayment in
reduction  of  the  Operating  Credit  shall  be for the amount of FIVE THOUSAND
DOLLARS  ($5,000.00)  or  any  multiple  thereof.
           --------

     The  Borrower  authorizes  the  Bank  to  determine  daily, or at any other
frequency  the  Bank  may decide upon, the position or net position (as the case
may  be) of the account opened in the name of the Borrower (the "Account").  The
Borrower  hereby  authorizes  the  Bank  to establish every day, or at any other
frequency  as  it  may  determine,  the net position of the Account.  If the net
position  of  the  Account  is  a debit, the Bank shall grant to the Borrower an
advance  to  cover the overdraft without exceeding the Credit Limit.  If the net
position  of the Account is a credit, the Bank may apply the full amount of such
credit  or  a part thereof in full or partial reduction of the Operating Credit.
In  addition  to  debiting  the  Account with the amount of each cheque, payment
order  or  other  item drawn on the Account, and each withdrawal, the Bank shall
also be entitled to debit the Account with the amount of all interest (including
compound  interest)  payable  by  the  Borrower  to  the  Bank  pursuant to this
Agreement  as  well  as  the amount of all administrative fees and other charges
payable  by the Borrower, and the amount of any legal costs incurred by the Bank
with  respect  to  the  Borrower.  The  Borrower  authorizes the Bank to use any
deposit or other credit on its behalf, in whole or in part, for the repayment of
the  following  and  in  such  order:  interest  on  the  Operating  Credit,
administration  fees  and the Operating Credit itself, the Borrower thus waiving
any  other  repayment  order.

     The  Borrower  shall  not  permit the Operating Credit to exceed the Credit
Limit and the Bank may refuse to honour any cheque, permit any withdrawal or pay
any  other  item  if  the  Operating Credit exceeds, or would after such payment
exceed,  the  Credit  Limit on the date such cheque, withdrawal or other item is
presented  to  the Bank for payment, provided that this Agreement shall continue
to  apply  to  the  Operating  Credit  and  to  the Borrower notwithstanding any
Operating  Credit  in  excess  of  the  Credit  Limit.

     The  Borrower  shall  deliver  to  the  Bank from time to time, promptly on
request by the Bank and in form and substance satisfactory to the Bank, a demand
promissory  note, security, other acknowledgement of debt or other document with
respect to the indebtedness and liability then owing by the Borrower to the Bank
pursuant  to  or  in  respect  of  the  Operating  Credit  and  this  Agreement.

4.     The  Borrower  shall  pay  interest  to  the Bank calculated on the daily
closing  balance  of the Operating Credit at a floating annual rate equal to the
Bank's  U.S.  base  rate, plus one half percent (0.50%) per annum; provided that
the  rate  of  interest  shall  be  increased  by an additional one half percent
(0.50%)  per  annum if the Borrower fails to support at any time during the term
of this Agreement any portion of the credit facility provided by the Bank to the
Borrower  pursuant  to  an  Offer of Finance dated February 15, 2002 by way of a
term  deposit  or  cash  equivalent  in form acceptable to the Bank, in its sole
discretion; and further provided that that the rate of interest shall be further
increased  by  a  further  additional  one half percent (0.50%) per annum if the
Borrower  fails  to maintain deposits with the Bank on or before May 30, 2002 in
the  aggregate amount of $Cdn. 2,500,000.00;  and such interest shall be payable
monthly,  on  the  1st  day  of  each and every month, both before and after any
termination of this Agreement, demand, default or judgment, and until payment of
the  Operating  Credit  in  full,  with interest on overdue interest at the same
rate.

     Under  this  Agreement,  the  expression  "Bank's U.S. base rate" means the
annual  variable  interest  rate  announced by the Bank from time to time as the
reference  rate  in  effect  to  determine  the  interest  rates  applicable  to
commercial  loans  in  U.S. Dollars granted by the Bank in Canada and based on a
calendar year.  On the date of this Agreement, the Bank's U.S. base rate is Five
point  two  five percent (5.25) % per annum.  The Bank is not required to inform
the  Borrower  of  any  changes  to  its  U.S.  base  rate.

5.     Each  time  an  amount  in  Canadian  Dollars  must  be converted into or
expressed  in  U.S.  Dollars,  the  calculation will be based on the appropriate
date,  by  using the Bank's cash bid price to purchase U.S. Dollars as quoted by
the  Bank's  Treasury  Department at approximately 10:30 a.m. (Montreal time) on
the  relevant  date.
<PAGE>
6.     All  sums  due  under  this Agreement by the Borrower to the Bank must be
paid  in  U.S.  Dollars.  The  Borrower  shall  use  the  Account (and incur the
Operating  Credit)  solely  for  business  purposes.

7.     The  Borrower  agrees  to indemnify the Bank against any loss incurred by
the  Bank  as  a  result  of  any  judgment or order being given or made for the
payment  of  any amount due hereunder and such judgment or order being expressed
and  paid  in  a  currency  (the  "Judgment  Currency") other than United States
currency  (the  "Operating Credit Currency") and as a result of any variation as
between:

     (a)     the  rate  of  exchange  at  which  such  amount  due  hereunder is
converted  into  the  Judgement  Currency  for  the purposes of such judgment or
order;  and

     (b)     the  Bank's  cash bid price as announced by its Treasury Department
at  approximately  10:30  a.m.  (Montreal  time)  at  the  relevant date for the
purchase  of  the  Operating  Credit  Currency  with  the amount of the Judgment
Currency  when  actually  received  by  the  Bank.

     The  foregoing  indemnity  shall  constitute  a  separate  and  independent
obligation  of  the  Borrower  and  shall  apply  irrespective of any indulgence
granted  to  the Borrower from time to time and shall continue in full force and
effect notwithstanding any termination of this Agreement or any such judgment or
order  as  aforesaid.

8.     If the Bank is or becomes subject to any withholding tax or any other tax
with  respect  to  payments  of  principal, interest or other amounts payable in
connection  with  this  Agreement (except taxes on the overall net income of the
Bank), and as a result thereof the cost to the Bank of making or maintaining the
Operating  Credit  is  increased or the income of the Bank therefrom is reduced,
then  on  demand the Borrower shall pay the Bank the amount (as certified by the
Bank)  that shall compensate the Bank for such additional cost or such reduction
in  income.

9     The  Bank  reserves the right to cancel, at any time, the Operating Credit
granted  to  the Borrower under this Agreement, and the Borrower shall reimburse
the  Bank,  on  demand,  for  the  aggregate outstanding Operating Credit amount
including  interest  accrued  thereon  as well as any other amount payable under
this  Agreement.  Nothing  herein  contained shall limit the Bank's right to set
off  the  debit  balance  of  the  Account  from time to time against the credit
balance  of  the  Borrower in any other account at the Bank or against any other
money  which  may  from time to time be owing to the Borrower form the Bank such
right  being  expressly affirmed hereby.  In the event that the currency of such
other  account  or  such  other money owing to the Borrower from the Bank is not
United States currency, the set-off shall be based upon the United States Dollar
equivalent of such non-United States currency calculated at the conversion basis
referred  to  in  paragraph  4  above.

10.     Without  limiting  the  Bank's  right  to demand, in its discretion, the
repayment of the Operating Credit, the Bank may terminate all of its obligations
related  to  the  granting  of credit or advances under the Operating Credit and
declare  payable  all  of  the  Borrower's obligations should one or more of the
following  events  occur:

     (a)     the Borrower fails to pay when due the principal, interest, and any
other  sums  due  pursuant  hereto;

     (b)     the  Borrower's failure to comply with one of its obligations under
this  Agreement  or  any  other  agreement  between  the  Borrower and the Bank;

     (c)     the Borrower becomes insolvent or bankrupt or a bankruptcy petition
is  filed against the Borrower, or notifies its intentions to present a proposal
to its creditors, presents a proposal or assigns its assets to its creditors, or
measures  are  taken  to  liquidate,  reach a compromise, make an arrangement or
adjust  its  debts, or to appoint a sequestrator, administrator or liquidator of
its  assets;

     (d)     if  there  occurs  any  attachment,  execution  or levy against the
Borrower  or  any  of  its  assets.

11.     If this Agreement modifies a credit facility already granted by the Bank
in  favour  of  the  Borrower,  it  will  not  effect  novation.

12.     Under  this  Agreement,  the entries made in the Bank's books, registers
and  files  relating  to  the  opening  of  the  credit  granted to the Borrower
constitute,  in  the  absence  of  manifest  error,  prima facie evidence of the
Borrower's  indebtedness  to  the  Bank.

13.     This Agreement binds the Borrower, its executors, administrators, heirs,
successors  and  assigns  and  shall  enure  to  the benefit of the Bank and its
successors  and  assigns.  The  Borrower  cannot  assign  any  of  its rights or
obligations  under  this  Agreement.

14.     Whenever  the  context  so  requires,  the  singular  number  shall  be
interpreted  as  plural,  the  masculine  gender as feminine or neuter, and vice
versa.

15.     All  amounts  received  or  held  on deposit by the Bank (whether in any
Account  or  in  any other accounts(s) at any branch(es) of the Bank), before or
after  demand  or  default,  may  be  applied  on  account  of such parts of the
Borrower's  indebtedness  or  liability hereunder or under any agreement between
the  Borrower  and  the  Bank  as  the  Bank  deems  appropriate,  and  any such
application  may  be  changed  or  varied  from  time  to  time.
<PAGE>

16.     No  act or omission by the Bank or any nature whatsoever shall extend to
or  be taken to affect any provision hereof save only express waiver in writing.
A waiver of default shall not extend to, or be taken in any manner whatsoever to
affect  the  rights of the Bank with respect to, any subsequent default, whether
similar  or  not.  The  Borrower  waives  every  defence  based  upon any or all
indulgences  that  may  be  granted  by  the  Bank.

17.     Nothing  herein limits the Bank's rights to set off the Operating Credit
from  time  to time against the credit balance of the Borrower in any Account or
in  any other account at any branch of the Bank or against any other money which
may  from  time  to time be owing to the Borrower by the Bank, regardless of the
currency in which such Account, account or other money may be denominated, which
right  is  hereby  confirmed.

18.     Where  the undersigned Borrowers are two or more in number, or where the
Borrower  is  a partnership, the obligations of the undersigned Borrowers (or of
all  the  partners,  as  the  case  may  be)  are  joint and several (in Quebec,
solidary,  waiving  the  benefits  of  division and discussion).  Nothing herein
shall  require  the  express  authority  of  any  one or more of the undersigned
Borrowers  or such partners for the purpose of a particular debit to any Account
or  a  particular  advance  under  the  Operating  Credit.

19.     Any  security  for  the  Operating  Credit held by the Bank shall not be
released  or  extinguished  by  reason of the Operating Credit being repaid, but
shall  subsist  and secure future amounts owing under the Operating Credit until
such  security  is  returned  or released and discharged in writing by the Bank.

20.     Any  provision of this Agreement which is invalid or unenforceable under
the  laws  of  any jurisdiction in which this Agreement is sought to be enforced
shall,  as  to  such jurisdiction and to the extent such provision is invalid or
unenforceable,  be  deemed severable and shall not affect any other provision of
this  Agreement.

21.     The  existing  agreements,  as  modified  or supplemented, governing the
operation  of  the Account or other accounts shall continue to apply to the said
Account  and  other  accounts  except  as  modified herein.  In the event of any
conflict the provisions of this Agreement shall govern.  This Agreement shall be
in addition to any other debt instrument, security or agreement between the Bank
and  the  Borrower.

22.     This Agreement shall be governed by and construed in accordance with the
laws of the Province in which the branch of the Bank set forth above is located.

23.     Any  notice  or statement required or permitted to be given hereunder or
by  law  may  be  delivered  or  served  personally  in  or  given  by facsimile
transmission,  courier  or  regular  mail  to  the  last address of the Borrower
appearing  the  Bank's records.  Any such notice or statement shall be deemed to
have  been  received  by  the  Borrower  the  same  day,  if served or delivered
personally,  the  next business day if sent by facsimile transmission and on the
third  business  day  next  following  if  sent  by  courier  or  mail.

24.     All fees, costs and expenses incurred by the Bank in connection with the
Operating Credit or this Agreement (including without limitation the preparation
and enforcement of this Agreement and of any security held by the Bank to secure
the  obligations of the Borrower hereunder) shall be immediately due and payable
and  shall  bear interest from due date at the variable annual rate specified in
Section  4  above,  before  and  after  demand,  default  and  judgment.

25.     The  parties  have  expressly  requested  that  this  Agreement  and any
notices,  documents  or  other  writings relating hereto be drawn up in English.
Les  parties  ont express ment exig  que la pr sente entente ainsi que tout avis
ou  autre  document  s'y  rapportant  soient  r  dig  s  en  anglais.

26.     The  Borrower  acknowledges  receipt  of  a  duplicate  original of this
Agreement.

<PAGE>

Given  under  seal  at  Town  of Richmond Hill this 22nd  day of February, 2002.

                          1418276  ONTARIO  INC.
                          Name  of  Company
                          Address:30 West Beaver Creek Road, Suite
                          109,  Richmond  Hill,  Ontario  L4B  3K1

                          per:___/s/  Kim  Allen__________________________
                                             Name:  Kim  Allen
                                             Title:   President
                                             c/s

                          per:___/s/  Angelo  Boujos_______________________
                                      Name:  Angelo  Boujos
                                      Title:    ChairmanExhibit 10.13

                         OPERATION OF ACCOUNT AGREEMENT

     Branch:  989  Derry  Road,  Suite  303,  Mississauga,  Ontario,  L5T  2J8

IN CONSIDERATION of Laurentian Bank of Canada (the "Bank") agreeing to deal with
the  undersigned  (the  "Customer"),  the  Customer  agrees  as  follows:

1.     WAIVER  OF  PROTEST

     (a)     The  Customer hereby waives every presentment, notice of dishonour,
protest,  notice  of  protest  and  days  of  grace  on  all  bills of exchange,
promissory  notes,  cheques, other instruments or evidences of indebtedness (all
of which are hereinafter called "instruments") drawn, made, accepted or endorsed
by  the  Customer  in  the name of the Customer or in the Business Name (if any)
noted  below  or  hereafter  delivered to any branch of the Bank for any purpose
whatsoever and the Customer shall be liable to the Bank in respect thereof as if
presentment,  notice  of dishonour, protest, notice of protest and days of grace
had  been  duly  done  or  given;

     (b     if  the Bank should consider it in the best interest of the Customer
or  the  Bank  that  any  such  instruments should be noted or protested for any
reason then, at the discretion of any officer of the Bank, the same may be noted
or  protested  accordingly, but the Bank shall not be liable to the Customer for
any  failure  or  omission  to  note  or  protest  any  such  instruments;  and

     (c)     when  any  act  or thing is necessary or required to be done in the
course  of or in connection with the banking business of the Customer at a place
where  there is no branch of the Bank, the Bank may use the services of any bank
or  other  agency for the purposes thereof, at the sole risk of the Customer and
in  such  case such other bank or agency shall be deemed to be the agents of the
Customer  and  the Bank shall not be liable to the Customer by reason of any act
or  omission  of  such  bank  or other agency in the performance of the services
required  of it or by reason of the loss, theft, destruction or delayed delivery
of  any  instruments,  security,  certificate  or  document of any kind while in
transit  to  or  from  such  bank  or  other  agency or while in its possession.

2.     ASSIGNMENT  OF  CLAIM.  The  Customer hereby transfers and assigns to the
Bank  all  the  claims  of  the  Customer  against  the  drawees  of all and any
instruments  discounted  or deposited with the Bank and in the event of any such
instrument  being refused acceptance, the Customer hereby authorizes the Bank to
take  in  the name of the Customer at any time any proceedings for collection of
the  amount of such unaccepted instruments as the Bank may see fit, but the Bank
shall not be liable to the Customer for any failure or omission to take any such
action  or  proceeding.

3.     (a)     CHARGES  TO  ACCOUNT.  The  Bank  may  debit  any  account of the
Customer  at any branch of the Bank with the amount of any instruments (i) which
is  payable  at  any  branch of the Bank and has been or may hereafter be drawn,
made  or  accepted by the Customer, or (ii) which, having been previously cashed
by  the Bank or credited to any such account, is returned to the Bank whether or
not  such  return  is  in  compliance with the by-laws and rules of the Canadian
Payments  Association  or  in respect of which settlement is not received by the
Bank,  together  with  any charges and expenses properly incurred by the Bank in
connection  therewith and the Customer shall be liable to the Bank in respect of
each  amount  so  debited.  The  Customer  agrees  that  no  charging  of unpaid
instruments,  as  provided  herein, shall be deemed to amount to payment of such
instruments,  and that notwithstanding such charging all the rights and remedies
that  the  Bank may have against all parties thereto shall be preserved.  Should
any  instruments received by the Bank for the account of the Customer be lost or
stolen  or  otherwise  disappear from any cause whatsoever other than the Bank's
gross  negligence  the Bank may charge any account of the Customer at any branch
of  the Bank with the amount of the said lost, stolen or disappeared instrument.

     (b)     ENDORSEMENT.  The  endorsement  of  the Customer on any instruments
shall  be  deemed  and held as guaranteeing the authenticity of all endorsements
thereon  and  guaranteeing to supply any necessary missing endorsements, even if
such  guarantees  are  not expressed.  By virtue of such guarantees the Customer
shall  return to the Bank the amount of such instruments so guaranteed, if owing

<PAGE>
to  the  nature of any endorsements or its being forged or unauthorized it would
appear  that  such  payment  was  improperly  made,  or if any necessary missing
endorsements  are  not  supplied  within  a  reasonable  time.

     (c)     CHARGES.  The  Customer  shall  pay all costs, charges and expenses
(including  without  limitation  legal expenses on a solicitor and client basis)
incurred  by  the  Bank  in  connection  with  the  Customer  (including without
limitation  preparing  or  entering into any agreement, obtaining or registering
any  security,  establishing,  extending  or  administering  accounts,  banking
services, loans or other banking facilities, preserving and enforcing the Bank's
rights,  recovering  any  indebtedness or enforcing any security).  The Customer
shall  also  pay such charges as the Bank may from time to time make or vary for
the  operation  of  the  said  account  and  for  establishing,  extending  or
administering  accounts,  banking  services,  loans or other banking facilities.
The  rate of such costs, charges and expenses may be ascertained upon inquiry by
the  Customer.

     (d)     DEBIT  FOR CHARGES.  All costs, charges and expenses payable by the
Customer  to  the  Bank  shall  be paid upon demand and shall bear interest from
demand  at  the Overdraft Rate, calculated and payable monthly, before and after
default  and judgment.  "Overdraft Rate" means the annual rate of interest which
the  Bank  establishes  and  quotes from time to time as the rate of interest it
will  charge  at  such  time  for unauthorized overdrafts in accounts in Canada;
upon  any  change  in the Overdraft Rate, the rate of interest charged hereunder
shall  be  adjusted automatically and without the necessity of any notice to the
Customer.  The Bank may from time to time debit the account of the Customer with
the  amount  of  any  such  costs,  charges  and  expenses and interest thereon.

     (e)     CHEQUES.  Upon  negotiation at any branch, agency or ATM machine of
the Bank of any cheque or withdrawal drawn on the Bank by the Customer, the Bank
may, if and whenever it sees fit, immediately debit the amount of such cheque or
withdrawal  to  the  account  on  which  it  is  drawn.

     (f)     OVERDRAFTS.  The  Customer  shall  pay  to the Bank forthwith after
demand therefor any overdraft indebtedness or liability in favour of the Bank in
connection  with  or arising out of the operation of any account of the Customer
together  with  interest thereon, calculated on the daily closing balance of the
amount  and payable monthly (both before and after demand, default and judgment)
at  a  variable  rate  per  annum  equal, unless otherwise agreed, to the Bank's
Standard Overdraft Protection Rate as quoted by the Bank from time to time, with
interest  on  overdue  interest  at  the  same  rate, such interest rate to vary
automatically  on  the day the said Standard Overdraft Protection Rate is varied
by  the  Bank  and  without  notice  by  the  Bank.

4.     CONFIRMATION  OF  BALANCE.  Within  thirty  (30) days of the date of each
mailing  to  the Customer of a statement of the Customer's account together with
the  cheques  and  vouchers  normally  delivered  in  accordance with the Bank's
general practice, or if the Customer has authorized the Bank to deliver the same
to  any  person(s)  designated  for such purpose, within thirty (30) days of the
date  of each such delivery, in either case as shown by the records of the Bank,
the Customer will examine such cheques and vouchers and all entries appearing in
such  statements  and  will  notify  the  Bank  in  writing  of  any  errors,
irregularities or omissions therein or therefrom and of any participation by the
Bank  in  an  apparent  breach  of  a  fiduciary obligation owed to the Customer
occurring during the period of time for which the relevant statement was issued;
and  upon  the  expiration  of  said  period of thirty (30) days (save as to any
errors, irregularities or omissions previously notified to the Bank as aforesaid
and save as to any amounts credited in error to the Customer's account) it shall
be  finally  and  conclusively  settled  and  agreed as between the Bank and the
Customer  that  the  amount  of  the balance shown in such statement is true and
correct,  that  the  said  cheques  and  vouchers  are genuine, that all amounts
charged  in  the  said account are properly chargeable to the Customer, that the
Customer  is  not  entitled to be credited with any amount not shown on the said
statement  and  that  the  Bank  is  released from all claims by the Customer in
respect  of  any  and  every  item in the said statement together with the  said
cheques  and  vouchers  by  collecting  the  same on or before the thirtieth day
following the date onwhich they became available (as to which the Bank's records
shall  be  conclusive evidence), the same shall be deemed to have been delivered
to  the  Customer  on  such  thirtieth  day.

5.     PREPARATION  OF  INSTRUMENTS & INTERNAL SUPERVISION.  The Customer agrees
to  have  in  place  systems,  procedures and controls, effective to prevent and
detect  thefts  of  instruments  or  losses due to forgeries or frauds involving
instruments,  including  without limiting the generality of the foregoing those:

<PAGE>
     (a)     ensuring  that  all  instruments  are  numbered  sequentially;

     (b)     ensuring  that  all  instruments  are secured in the same manner as
large  sums  of  cash;

     (c)     ensuring  that  all  instruments,  cheque  imprinters and facsimile
signature devices are kept in a secured locked receptacle, vault, safe, etc. and
that  designated  individual(s)  are  responsible  for  them  at  all  times;

     (d)     conducting  periodic  audits  of  instruments;  and

     (e)     ensuring  that  the  individual  responsible  for  doing  the  bank
statement  reconciliation  shall  not  be  the individual who is responsible for
security  of  instruments  or  their  preparation.

     The  Customer will diligently supervise and monitor the conduct and work of
all  employees  and agents having any role in the preparation of instruments and
in  bank  statement  reconciliation  or  other  banking  functions.

     The Customer agrees that the Bank shall have no responsibility or liability
whatsoever  for  any  loss  due to a forged or unauthorized signature unless the
Customer  proves  each  of  the  following:  (i) that the forged or unauthorized
signature  was  made  by a person who was at no time an employee or agent of the
Customer;  (ii)  that  the  loss  was unavoidable despite the Customer having in
place  the  systems,  procedures and controls to supervise and monitor employees
and  agents; and (iii) that the loss was unavoidable despite the Customer having
taken  all  feasible  steps to prevent the forgery or unauthorized signature and
the  loss  arising  therefrom.

6.     AUTHORITY TO MAIL SETTLEMENTS, ETC.  The Customer requests and authorizes
the  Bank  to  forward by ordinary mail, not insured, to the last address of the
Customer  known  by  the Bank, statements, instruments, debit memos and vouchers
for  the  Customer's  account  and  instruments  that  are  dishonoured  upon
presentation  and  returned  unpaid. Instead of mailing, the Bank may act on the
Customer's  authorization  (if  any)  to  deliver  such  items  to any person(s)
designated  by  the  Customer  for  that  purpose.

7.     NOTICE  OF  CHANGE  OF ADDRESS.  The Customer shall provide the Bank with
written notice of all changes to the Customer's address within ten business days
of  any  such  change.

8.     (a)     USE  OF  AGENTS.  Any  and  all instruments which the Bank now or
hereafter  holds  on  account  of the Customer may be sent for collection to any
branch  of  the  Bank  or to any other bank, company, person or persons that the
Bank may think fit, at sole risk of the Customer, and such other branch or bank,
company,  person  or  persons shall be deemed the agents of the Customer and the
Bank  will  not  be  responsible  or liable for the same until the cash therefor
shall have been actually received by the Bank at its branch where the Customer's
account  is  maintained.  In  case of any and all instruments discounted with or
hypothecated to the Bank by the Customer or forwarded by the Bank for collection
in  respect  of  which  an  instrument  or other negotiable paper or evidence of
payment  is  remitted to the Bank in settlement, the Customer shall be liable to
the  Bank on such remittance as if actually endorsed by the Customer and if same
is  not paid according to the tenor thereof the Bank shall be entitled to charge
the  same  to  the  account  of  the  Customer.

     (b)     USE  OF  ATM.  The  Customer,  as well as the individuals using the
automated  teller  card,  are  responsible  for  this  card and for the personal
identification  number  "PIN".  The  Customer  agrees  to take all the necessary
precautions  to  ensure the confidentiality of the "PIN" and authorizes the Bank
to give a "PIN" to each of the representatives named.  The Customer acknowledges
that:  all  issued  ATM cards may be used to make deposits and/or withdrawals to
the  said  account;  the  transaction  record  produced  by  the  ATM  shows the
Customer's  instructions;  all  transactions performed at an ATM after 9:00 p.m.
will be entered in the Customer's account the following day; the contents of the
envelopes  used  to make a deposit are subject to verification and acceptance by
the  Bank; the Bank's statements and registers concerning ATM operations and the
verification of the contents of envelopes inserted in an ATM will serve as proof
for  the transaction performed; ATM use is entirely at the Customer's risk.  The

<PAGE>
Customer  agrees  not  to  deposit more than $10,000 cash per day in the ATM and
acknowledges  that  if such a deposit is made, the Bank may hold funds until the
customer  completes a source of funds declaration under the format prescribed by
the  Bank.  The Customer must use his ATM card as well as the ATMs in accordance
with  the  Bank's  instructions.  The Bank, without prior notice, may cancel the
use  of the ATM card if the Customer contravenes the obligations provided for in
this  agreement.  The  Customer must advise the Bank, without delay, of the loss
or  theft  of  an  ATM  card.  The  Customer  is  liable and responsible for all
transactions  done  with  a  lost or stolen card until the Customer notifies the
branch  at  which  the  account  is  opened.

     (c)     USE  OF  CANADIAN  PAYMENTS ASSOCIATION.  The Bank may use clearing
arrangements  made  pursuant  to  the By-laws and Rules of the Canadian Payments
Association  and  in  all  its  dealings  with  the  Customer's account and with
instruments  and  presentments for payment thereof the Bank may act under and in
accordance  with such clearing arrangements and shall not be responsible for any
loss  occasioned  thereby  or for any neglect, failure or delay in exercising or
enforcing  any  of  its  powers  or  rights  thereunder.

     (d)     AUTHORIZED AGENTS.  The Customer authorizes any of its employees or
designated  agents  that  have  been  designated  by  the Customer in writing to
receive  all  paid,  unpaid  and unaccepted instruments, statements, vouchers or
other  documents  relating  thereto.

9.     INDEMNITY.  If  the  Customer's  statements, instruments, debit memos and
vouchers  are  lost,  stolen  or  destroyed,  the Customer shall accept the Bank
records  as conclusive proof of the correctness and authenticity of the items or
entries  so  recorded therein and the Customer agrees to hold the Bank free from
all  liability  and to indemnify and save the Bank harmless from any loss, claim
or  demand  made  upon  the  Bank  as  a  result  of such loss, claim or demand.

10.     FACSIMILE  SIGNATURE.  The Bank is hereby authorized and directed to pay
or  carry  out  the  mandate  of  any  instrument signed by authorized facsimile
signature.

11.     JOINT ACCOUNTS.  If more than one person is entering into this agreement
with  the  Bank  then:

     (a)

           (i) this  is  our  joint  mandate;

          (ii) the  account  opened  or maintained under this mandate shall be a
               joint  account,  howsoever  it  may  be  named,  and

          (iii)each  of  the  above  clauses  shall  be  deemed  to  have been
               appropriately  changed:

     (b)     The Bank is authorized to credit to the account any deposit made by
any  one or more of us including all moneys and proceeds of any instrument.  The
Bank  is  also  authorized to credit to the account any like deposit made by any
other  person for the credit of any one or more of us.  The Bank may endorse any
instrument  for any one or more of us, and the Bank may charge up to the account
any  instrument  credited  as  aforesaid  that  is  returned  unpaid;

     (c)     The  Bank  is  authorized to pay and charge against the account any
instrument  signed  by  any  one  of the officer and director of the undersigned
notwithstanding that the effect may be to create or increase an overdraft in the
account.  All  parties  to  the  account  jointly and severally agree to pay any
overdraft  or  other  indebtedness  or  liability to the Bank arising out of the
operation  of the account as provided in this agreement.  Written countermand of
payment for any instrument(s) signed by any one of us shall terminate the Bank's
authority  to  pay  any  such  instrument(s).

     (d)     RECEIPTS,  ETC.   Any  one of the undersigned signatories on behalf
of  the  Customer  may  sign  receipts  for vouchers and acknowledgements of the
correctness  of the account, authenticity of vouchers and release as required by
the  Bank;  and

     (e)     BANKRUPTCIES,  ETC.   Drawings  from the account or further dealing
with  the  account  shall  not  be  permitted if, (i) any one of the undersigned
signatories  on  behalf of the Customer should initiate or become the subject of
insolvency  proceedings and such proceedings are made known to the Bank; or (ii)
any  one  of  the  undersigned  signatories  on behalf of the Customer should be
declared  a  mentally  incompetent  person or a person incapable of managing his
affairs  and  notice  of  such  a  declaration  is  given  to  the  Bank.

<PAGE>
12.     PARTNERS.  The  Customer  represents  and  warrants to the Bank that the
Customer  does  not  now  and  will  not  in future have any partner(s) with any
interest  in  any  account with the Bank in the name of the Customer, except the
signatories  of  the  Bank's form of partnership agreement (if any) delivered to
the  manager  of  each  branch  or agency of the Bank at which an account of the
Customer  is  kept.

13.     INTERPRETATION.   The  singular shall be construed as meaning the plural
and  vice  versa where the context so requires.  This agreement shall be binding
on  each  of the undersigned, their heirs, executors, administrators, successors
and  permitted assigns and shall govern all accounts operated by the undersigned
at  any  of  the Bank's branches or offices or at the branches or offices of any
wholly-owned  subsidiary of the Bank,  except when the undersigned have notified
the  Bank  in  writing  to  the  contrary.  The Bank may amend this agreement by
sending  a notice to any of the undersigned in the same manner as a statement of
account  or  by  posting  a notice in any branch or office of the Bank where the
Customer  operates  an  account.

14.     GOVERNING  LAW.  This  Agreement  shall  be governed by and construed in
accordance with the law of the province in which the branch of the Bank referred
to  on  page  1  hereof  is  located  and the laws of Canada applicable therein.

15.     INFORMATION  OF  CUSTOMER.
     (a)     All  information  relating  to  the  account of the Customer may be
recorded  or stored by the Bank in such form and by means of such devices as the
Bank  may  see  fit  and  the  Bank  is  under  no obligation to retain original
documents,  instruments  or  vouchers  other  than  to  retain and return to the
Customer  the  cheques  and  vouchers  normally  returned  to  the  Customer  in
accordance  with  the  Bank's  general  practice.

     (b)     The  Bank  may  use  the services of any electronic data processing
service  bureau  or  organization  in connection with keeping any account of the
Customer,  and  in  such  case  the  Bank shall not be liable to the Customer by
reason  of  any  act  or  omission of such service bureau or organization in the
performance  of  the  services  required  of  it.

     (c)  The  Customer  authorizes  the  Bank  to  obtain  such  factual  and
investigative  information  regarding  the  Customer from others as permitted by
law,  to  furnish  other  credit  grantors and credit bureaux particulars of the
credit  application,  the  operation  of  any of the Customer's accounts and the
Bank's  credit  experience  with  the  Customer  (before  and  after the signing
hereof),  and  the  Bank shall not be liable for the disclosure in good faith of
information  concerning  those  matters,  whether  or  not  such  information is
complete  or  accurate.

        Dated  at  the  Town  of Richmond Hill, this 22nd day of February, 2002.

                          1418276  ONTARIO  INC.
                          Name  of  Company
                          30  West  Beaver  Creek Road, Suite 109,
                          Richmond  Hill,  Ontario  L4B  3K1

                          per:___/s/  Kim  Allen____________________________
                                      Name:  Kim  Allen
                                      Title:   President
                                      c/s

                          per:___/s/  Angelo  Boujos________________________
                                      Name:  Angelo  Boujos
                                      Title:    Chairman

                          We  have  authority  to  bind  the Corporation

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