Document:

EXHIBIT 10.5

HYPERCOM CANADA, LTD.

Hypercom Canada, Ltd.
BCE Place
161 Bay Street, Suite 2700
Toronto, Ontario
M5J 2S1
Phone: 416-572-2003
Fax: 416-572-2212

July 26, 2001

Mr. Hal Schultz
Security Bancorp Inc.
#3 Bldg F. 5508 First Street SE
Calgary Alberta
T2H 2W9

Dear Hal,

This Letter Agreement covers purchase of the Hypercom products discussed below
and subsequent resale to Security Bancorp Inc. end-user customers within Canada.
If sales of products purchased hereunder by Security Bancorp Inc. are going to
be made to a third party who in turn resells the products to an end-user, then a
Reseller Agreement is required instead, and this Agreement would be subject to
termination by Hypercom upon notice. A "Reseller" Agreement is used at
Hypercom's sole discretion to establish a purchasing relationship between
Hypercom and companies who intend to resell Hypercom products to other parties,
who in turn resell those Hypercom products.

This Agreement, and the pricing established herein, is based upon Security
Bancorp Inc.'s noncancelable commitment to purchase and take delivery of 100
Terminal Peripherals, 500 ICE(TM) Terminals and/or ICE Peripherals during the
next 12 months, beginning Aug 31/01 and ending Aug 31/02. [CONFIDENTIAL PORTION
DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION].

The Shipping Schedule shows specific quantities, product types, and scheduled
shipment dates.

<PAGE>

Based upon the stated quantities and Shipping Schedule, pricing, [CONFIDENTIAL
PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
COMMISSION], will be as follows:

--------------------------------------------------------------------------------
[CONFIDENTIAL PORTION
DELETED AND FILED            ---------------------------------------------------
SEPARATELY WITH THE
SECURITIES AND EXCHANGE      ---------------------------------------------------
COMMISSION]
                             ---------------------------------------------------
--------------------------------------------------------------------------------
[CONFIDENTIAL PORTION        [CONFIDENTIAL PORTION      [CONFIDENTIAL PORTION
DELETED AND FILED            DELETED AND FILED          DELETED AND FILED
SEPARATELY WITH THE          SEPARATELY WITH THE        SEPARATELY WITH THE
SECURITIES AND EXCHANGE      SECURITIES AND             SECURITIES AND EXCHANGE
COMMISSION]                  EXCHANGE COMMISSION]       COMMISSION]
--------------------------------------------------------------------------------
  [CONFIDENTIAL PORTION DELETED AND FILED
SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION]
--------------------------------------------------------------------------------

      *[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES
      AND EXCHANGE COMMISSION]

Pricing for the [CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE
SECURITIES AND EXCHANGE COMMISSION] is based upon [CONFIDENTIAL PORTION DELETED
AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION].

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION] pricing is based on the [CONFIDENTIAL PORTION DELETED AND
FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]. "Terminal
Peripheral Product" means Hypercom-manufactured stand-alone printer or PIN Pad,
not included in the ICE family of products, which is connected to a Hypercom
Terminal Product.

[CONFIDENTIAL PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION]. All prices are stated in and shall be paid in United
States dollars. Payment terms are [CONFIDENTIAL PORTION DELETED AND FILED
SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION]. If payment is not made
within the 30-day period, Hypercom may terminate this Agreement. [CONFIDENTIAL
PORTION DELETED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE
COMMISSION].

                                       2
<PAGE>

Hypercom's Standard Warranty Statement (Warranty), attached, is a
return-to-depot warranty applicable to all products purchased hereunder.
Security Bancorp Inc. ensures Hypercom that it will inform its end-user
customers of the terms of the Warranty. Hypercom will not be liable for any
additional warranties extended by Security Bancorp Inc. to its end-user
customers beyond the scope of the Warranty.

The pricing contained herein is for Hypercom products that have been certified
to comply with common carrier equipment in the United States and Canada, and
applicable FCC regulations. Any sale and/or use of Hypercom products purchased
hereunder outside of the United States and Canada could violate local laws, and
on that basis, Hypercom limits distribution of its products purchased hereunder
to that of the United States and Canada. Any sale/use outside of the United
States and Canada not only violates the hardware warranty referenced herein, but
constitutes cause for termination of this Agreement. Sale of Hypercom product
outside of the United States and Canada requires a separate agreement. Operation
of units/system remains subject to local processing requirements and
applications certifications which may vary within the United States and/or in
Canada.

Both parties agree to the terms and conditions of this Agreement and understand
the order is non-cancelable. Additional terminals, peripherals and/or
accessories not listed herein but purchased by UMV during the term of this
Agreement shall also be subject to the terms hereof. All equipment must be
shipped and invoiced in accordance with the Shipping Schedule. Purchase orders
may accompany this Agreement or follow this Agreement, but preprinted terms and
conditions contained in any purchase order shall be null and void, as are any
additional terms unless specifically accepted by Hypercom in its order
acknowledgment(s).

We at Hypercom appreciate this opportunity to service Security Bancorp Inc.
terminal needs and look forward to a long and mutually prosperous relationship.

Sincerely,

David Howard
Senior Vice President & General Manager
Hypercom Canada Ltd

Security Bancorp Inc. must indicate acceptance within thirty (30) days of the
date of this letter. This Agreement is valid only when accepted and signed by
Hypercom.

Agreed this 31 day of July, 2001.

Hypercom Canada Ltd                                     Security Bancorp Inc.

                                       3
<PAGE>

By:                                     By:
   --------------------------------        --------------------------------
Name:                                   Name:
     ------------------------------          ------------------------------
Title:                                  Title:
      -----------------------------           -----------------------------

                                       4OPPENHEIM & OSTRICK, C.P.A.'s
                               4256 Overland Ave.
                              Culver City, CA 90230
                                 (310) 839-3930
                                  [letterhead]

June 11, 2002

Securities and Exchange Commission
Mail Stop 11-3
450 Fifth Street, N.W.
Washington, DC 20549

Dear Sir or Madam:

We have been furnished with a copy of the response to Item 4 of Form 8-KA of the
event that occurred on April 23, 2002, which was filed by our former client,
Xynergy Corporation, formerly known as Raquel, Inc. We agree with the statements
made in response to that Item insofar as they relate to our firm.

We are responding a revised 8-KA filing on June 11, 2002 that the reports we
filed contained clean opinions for fiscal years ended 2000 and 1999 and we had
no disagreements over financial disclosures, audit or accounting issues or any
reportable events discovered for the two years ended December 31, 2000.

Gilbert H. Ostrick, CPA
/s/EXHIBIT 4.1

INCORPORATED UNDER THE LAWS                                OF THE STATE OF TEXAS

  DB
                                    Capital
  COMMON STOCK                      Southwest
  PAR VALUE $1.00                   Corporation             [CUSIP 140501 10 7]

                                             SEE REVERSE FOR CERTAIN DEFINITIONS

THIS CERTIFIES that

is the owner of

           FULLY PAID AND NONASSESSABLE SHARES OF THE COMMON STOCK OF
CAPITAL  SOUTHWEST  CORPORATION  transferable on the books of the corporation by
the holder  hereof in person or by attorney upon  surrender of this  certificate
properly  endorsed.  This certificate,  and the shares  represented  hereby, are
issued  under and shall be subject to all of the  provisions  of the Articles of
Incorporation of the corporation and any amendments thereto, copies of which are
on file with the corporation and the Transfer Agent, to all of which the holder,
by  acceptance   hereof,   assents.   This   certificate  is  not  valid  unless
countersigned by the Transfer Agent and registered by the Registrar.
     IN  WITNESS  WHEREOF,   the  said  corporation  has  caused  the  facsimile
signatures  of its  duly  authorized  officers  and  the  facsimile  seal of the
corporation to be hereunto affixed.

Dated:

     PRESIDENT              [CORPORATE SEAL OMITTED]

     SECRETARY
                                       COUNTERSIGNED AND REGISTERED:
                                         AMERICAN STOCK TRANSFER & TRUST COMPANY
                                         (New York, N.Y.)         TRANSFER AGENT
                                                                   AND REGISTRAR
                                       BY

                                                            AUTHORIZED SIGNATURE

<PAGE>

                         Capital Southwest Corporation

  The shares represented by this certificate are subject to all of the terms and
provisions  of the  Articles  of  Incorporation  of the  Corporation,  as may be
amended from time to time,  which Articles of  Incorporation  are filed with the
Secretary of State of Texas. Such shares are expressly subject to the provisions
of Article IV of the Articles of Incorporation  which denies  preemptive  rights
and  cumulative  voting.  The  Corporation  will  furnish  to the holder of this
certificate, upon request to the Corporation at its principal place of business,
without  charge,  a copy of the  Corporation's  Articles  of  Incorporation,  as
amended.

  The following abbreviations,  when used in the inscription on the face of this
certificate,  shall  be  construed  as  though  they  were  written  out in full
according to applicable laws or regulations:

  TEN COM - as tenants in common        UNIF GIFT MIN ACT_______Custodian_______
  TEN ENT - as tenants by the entireties                 (Cust)          (Minor)
  JT  TEN - as joint tenants, with right
            of survivorship and not as             under Uniform Gifts to Minors
            tenants in common                      Act__________________________
                                                                 (State)

    Additional abbreviations may also be used though not in the above list.

  FOR VALUE RECEIVED_______________________hereby sell, assign and transfer unto

  PLEASE INSERT SOCIAL SECURITY OR OTHER
  IDENTIFYING NUMBER OF ASSIGNEE
  [            ]
  ______________________________________________________________________________
  PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS OF ASSIGNEE

  ______________________________________________________________________________

  ______________________________________________________________________________

  ________________________________________________________________________Shares
  of the  Common  Stock  represented  by the  within  Certificate  and do hereby
  irrevocably  constitute and  appoint____________________  Attorney to transfer
  the said stock on the books of the within-named Corporation with full power of
  substitution in the premises.

Dated______________________________________

                                                    X___________________________
                                                             (SIGNATURE)
                             NOTICE:
               THE SIGNATURE(S) TO THIS ASSIGNMENT
               MUST  CORRESPOND  WITH  THE NAME(S)
               AS  WRITTEN  UPON  THE  FACE OF THE
               CERTIFICATE  IN  EVERY  PARTICULAR,
               WITHOUT  ALTERATION OR  ENLARGEMENT
               OR ANY CHANGE WHATEVER.
                                                    X___________________________
                                                              (SIGNATURE)

                                    ____________________________________________
                                    THE SIGNATURE(S)  SHOULD BE GUARANTEED BY AN
                                    ELIGIBLE   GUARANTOR   INSTITUTION   (BANKS,
                                    STOCKBROKERS,  SAVINGS AND LOAN ASSOCIATIONS
                                    AND  CREDIT  UNIONS  WITH  MEMBERSHIP  IN AN
                                    APPROVED   SIGNATURE   GUARANTEE   MEDALLION
                                    PROGRAM), PURSUANT TO S.E.C. RULE 17Ad-15.
                                    ____________________________________________
                                    SIGNATURE(S) GUARANTEED BY:

                                    ____________________________________________

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