Document:

Exhibit 10.2

                                  BILL OF SALE

         THIS BILL OF SALE effective as of March 10, 2003, by and among Vital
Health Technologies, Inc, a Minnesota corporation ("Seller"), on the one hand,
and General Finance and Development, Inc, a Minnesota corporation ("Purchaser"),
on the other hand.

WITNESSETH:

         WHEREAS, that certain Agreement and Plan of Share Exchange
("Agreement") transaction by among the Seller, Caribbean American Health
Resorts, Inc. ("CAHR") and the shareholders of CAHR, executed March 18, 2003 and
dated as of March 10, 2003, provides among other things for the transfer and
sale to Purchaser, of the heart screening technology of Seller, for
consideration in the amount and upon the terms provided in the Agreement; and

         WHEREAS, the parties entered into a Settlement Agreement, dated as of
November 15, 2004 whereby the parties agreed that the Seller would transfer the
Assets (as defined in the Settlement Agreement) to the Purchaser pursuant to the
terms of that agreement; and

         WHEREAS, by this instrument Seller is vesting in Purchaser all of the
properties, assets, and rights of Seller in the Assets.

         NOW, THEREFORE, in consideration of the promises and of the other
valuable consideration to Seller in hand paid by Purchaser at or before the
execution and delivery hereof, the recipient and sufficiency of which is hereby
acknowledged, Seller has sold, transferred, conveyed, assigned and delivered,
and by this Bill of Sale does sell, transfer, convey, assign, and deliver unto
Purchaser, its successors and assigns forever, all of Seller's right, title and
interest in the Assets.

         TO HAVE AND TO HOLD all of the Assets unto Purchaser, its successors
and assigns to its and their own use forever.

         The Seller hereby constitutes and appoints Purchaser, its successors
and assigns, as Seller's true and lawful attorney- and attorneys-in fact, with
full power of substitution, in Seller's name and stead, but on behalf and for
the benefit of Purchaser, its successors and assigns, to demand and receive any
and all of the Assets, and from time to time to institute and prosecute in the
name of Seller, or otherwise for the benefit of Purchaser, its successors and
assigns, any and all proceedings at law, in equity or otherwise, which
Purchaser, its successors and assigns, may deem proper for the collection or
reduction to possession of any of the Assets or for the collection and
enforcement of any claim or right of any kind hereby sold, conveyed, transferred
and assigned, or intended so to be, and to do all acts and things in relation to
the Assets which Purchaser, its successors and assigns shall deem desirable,
Seller hereby declaring that the foregoing powers are coupled with an interest
and are and shall be irrevocable by Seller or by its dissolution or in any
manner or for any reason whatsoever.

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         The Seller hereby covenants that, from time to time after the delivery
of this instrument, upon Purchaser's request and without further consideration,
Seller will do, execute, acknowledge and deliver, or cause to be done, executed,
acknowledged and delivered, all such further acts, instruments, assignments and
assurances as may be reasonably required more effectively to convey, transfer
and vest in Purchaser, and to put Purchaser in possession of, any of the Assets.

         Nothing in this instrument, expressed or implied, is intended or shall
be construed to confer upon, or give to any person, firm or corporation other
than Purchaser and its successors and assigns any remedy or claim under or
reason of this instrument or any terms, covenants or conditions hereof, and all
the terms, covenants and conditions, promises and agreements in this instrument
contained shall be for the sole and exclusive benefit of Purchaser and its
successors and assigns. This instrument shall be governed by and construed in
accordance with the laws of the State of Minnesota without regard to principles
of conflicts of law.

         In the event of any conflict or inconsistency between the terms of this
instrument and the terms of the Agreement, the terms of this Bill of Sale shall
control.

         IN WITNESS WHEREOF, the Parties have caused this Bill of Sale to be
executed on their behalf by their duly authorized officers as of the date first
above written.

SELLER:

VITAL HEALTH TECHNOLOGIES, INC.

By: /s/ Halton Martin
    ------------------

Name:   Halton Martin

Title:  Chief Executive Officer

PURCHASER:

GENERAL FINANCE AND DEVELOPMENT, INC.

By: /s/ William Kieger
    -------------------

Name:   William Kieger

Title:  Chief Executive OfficerExhibit 10.3

                         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.

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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:

     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:

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     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.

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

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     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.

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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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