Document:

EXHBIT 10.4

                       EXCLUSIVE PATENT LICENSE AGREEMENT

                                 by and between

                                WOLFGANG GRABHER
                                  ("Licensor")

                                       and

           ADMINISTRATION FOR INTERNATIONAL CREDIT & INVESTMENT, INC.
                                  ("Licensee")

                            Dated as of July 13, 2000

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                                TABLE OF CONTENTS

1.  Definitions...............................................................1

2.  License Grants and Restrictions...........................................3

3.  Compensation..............................................................4

4.  Patent Prosecution........................................................5

5.  Infringement..............................................................6

6.  Representations and Warranties............................................6

7.  Indemnification...........................................................7

8.  Confidentiality...........................................................8

9.  Liability.................................................................9

10. Term and Termination......................................................9

11. General Provisions.......................................................11

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                       EXCLUSIVE PATENT LICENSE AGREEMENT

      THIS EXCLUSIVE PATENT LICENSE  AGREEMENT (this  "AGREEMENT") is made as of
July13,  2000 (the  "EFFECTIVE  DATE"),  between  Wolfgang  Grabher,  a Austrian
national  residing  in  Stuttgart  with an address  located at  Zettachring  2a,
D-70567 Stuttgart ("LICENSOR"),  and Administration For International Credit and
Investment,  Inc.,  an Oregon  corporation  with an address  located at 391 N.W.
179th Ave., Aloha,  Oregon 97006  ("LICENSEE")  (each a "PARTY" and together the
"PARTIES").

                                    RECITALS

      WHEREAS,  Licensor is the owner of certain Technology,  as defined herein;
and

      WHEREAS, Licensor is willing to license the Technology to Licensee for the
development  and  Use of the  Technology  in  the  Voice-Over-Internet  Protocol
("VOIP") market in those  jurisdictions where the Technology has been registered
upon the terms and subject to the conditions set forth in this Agreement.

      NOW,  THEREFORE,  in  consideration  of these  premises  and of the mutual
promises and conditions contained in this Agreement, Licensor and Licensee agree
as follows:

1. DEFINITIONS

      1.1  "AFFILIATE"  of a party shall mean an entity  directly or  indirectly
controlling, controlled by or under common control with that party where control
means the  ownership  or  control,  directly or  indirectly,  of more than fifty
percent  (50%) of all of the voting power of the shares (or other  securities or
rights)  entitled  to vote for the  election  of  directors  or other  governing
authority;  provided that such entity shall be considered an Affiliate  only for
the time during which such control exists.

      1.2 "CHANGE OF CONTROL"  shall mean the occurrence of any of the following
events:

            (a) Any  "person" or "group of  persons"  (as such terms are used in
      Sections  13(d)  and  14(d) of the  Securities  Exchange  Act of 1934,  as
      amended)  is or becomes the  "beneficial  owner" (as defined in Rule 13d-3
      under said Act),  directly or  indirectly,  of  securities  of the Company
      representing  50% or more of the total  voting  power  represented  by the
      Company's then-outstanding voting securities; or

            (b)  The   shareholders   of  the   Company   approve  a  merger  or
      consolidation  of the  Company  with any other  corporation,  other than a
      merger or consolidation  that would result in the voting securities of the
      Company  outstanding  immediately  prior  thereto  continuing to represent
      (either  by  remaining  outstanding  or by  being  converted  into  voting
      securities of the surviving entity) at least 50% of the total voting power
      represented  by the voting  securities  of the  Company or such  surviving
      entity outstanding immediately after such merger or consolidation,  or the
      shareholders of the Company approve a plan of complete  liquidation of the
      Company or an agreement for the sale or  disposition by the Company of all
      or substantially all of the Company's assets.

      1.3 "CONTRACT  QUARTER" shall mean each calendar quarter period (March 31,
June 30,  September 30 and December 31) following the Effective  Date during the
Term.

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      1.4  "ENTITY"  shall mean any general  partnership,  limited  partnership,
limited liability company,  corporation,  joint venture,  trust, business trust,
cooperative  or   association,   or  any  foreign  trust  or  foreign   business
organization.

      1.5 "EXCLUSIVE  PERIOD" shall mean the period of time set forth in Section
2.1.

      1.6 "INTELLECTUAL PROPERTY RIGHT" and "INTELLECTUAL PROPERTY RIGHTS" shall
mean all  worldwide  right,  title and interest of a Person in, to and under any
and all: (a) United States or foreign  patents and pending  patent  applications
therefor,  including the right to file new and  additional  patent  applications
based   thereon,    including    provisionals,    divisionals,    continuations,
continuations-in-part,  reissues and  reexaminations;  (b)  copyrights;  and (c)
trade secrets,  know-how,  processes,  methods,  engineering  data and technical
information.

      1.7 "NET  RECEIPTS"  shall mean the gross amount  recognized  as income on
Licensee's  books  (pursuant  to  generally   accepted   accounting   principles
consistently  applied) in  connection  with the sale of a Product or  Processes,
less  deductions  for payment of sales,  value added or any similar  taxes,  and
shipping and insurance charges, with respect to such Product or Process.

      1.8 "PATENT" shall mean:

            (a) United States and international  applications listed on Appendix
      A and the resulting patents;

            (b)    any    divisionals,    continuations,    continuation-in-part
      applications,  and continued prosecution  applications (and their relevant
      international  equivalents)  of the patent  applications  described in (a)
      above to the extent the claims are directed to subject matter specifically
      described in such patent applications, and the resulting patents;

            (c)  any  patents  resulting  from  reissues,   reexaminations,   or
      extensions (and their relevant  international  equivalents) of the patents
      described in (a) and (b); and

            (d)  international  (non-United  States) patent  applications  filed
      after the Effective  Date and the relevant  international  equivalents  to
      divisionals,   continuations,    continuation-in-part   applications   and
      continued  prosecution  applications of such patent  applications  and any
      patents  resulting  from  reissues,  reexaminations,  or extensions of the
      patents  described in (c) to the extent the claims are directed to subject
      matter  specifically  described  in the  patents  or  patent  applications
      referred to in (a), (b) and (c), above, and the resulting patents.

      1.9  "PATENT  RIGHTS"  shall  mean all  rights  related  to the Use of the
Patents for the  development,  manufacture,  use,  sell,  offer to sell,  lease,
distribution  and import of VoIP  billing and customer  care  software and other
VoIP-related Products.

      1.10 "PRODUCT" shall mean any product or service that cannot be developed,
manufactured,  Used,  leased,  sold or  imported,  in whole or in part,  without
infringing on one or more claims under the Patent Rights.

      1.11 "PROCESS" shall mean any process or service that cannot be performed,
in whole or in part,  without  using at least one process that  infringes one or
more claims under the Patent Rights.

      1.12  "PATENT  TERM"  shall  mean the  period  of time  commencing  on the
Effective  Date and ending  with the  expiration  or  abandonment  of all issued
patents and filed patent applications  within the Patent Rights,  unless earlier
terminated in accordance with the provisions of this Agreement.

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      1.13 "TERRITORY" shall mean worldwide.

      1.14 "THIRD PARTY" shall mean, with respect to a party, any Person that is
not an Affiliate of such party.

      1.15  "USE"  shall  mean  operate,  reproduce,  distribute,  transmit  (by
electronic means or otherwise), make available, perform and display.

2. LICENSE GRANTS AND RESTRICTIONS

      2.1 Grant Of  License.  Subject to the terms of this  Agreement,  Licensor
hereby  grants to  Licensee  an  exclusive  license  under the Patent  Rights to
develop,  make,  have made,  Use, sell,  offer to sell,  lease,  distributed and
import  Products or to practice  Processes in the  Territory  from the Effective
Date through the Patent Term (the  "EXCLUSIVE  PERIOD")  (such licenses shall be
hereinafter referred to, collectively, as the "License").

      2.2  Restriction on  Sublicensing.  The License  granted hereby may not be
transferred  or sublicensed  by Licensee,  but shall extend to any  wholly-owned
subsidiaries   and   divisions   or   Affiliates   of  Licensee   (collectively,
"Affiliates").  Licensee  shall be  responsible  for the compliance by each such
Affiliate with the terms and provisions of this Agreement,  and agrees to report
and pay Royalties to Licensor in  accordance  with Section 3 hereof with respect
to production of Products by each such Affiliate. Any such Affiliate shall agree
in  advance  in  writing  to be bound by all the  terms of this  Agreement,  and
Licensee shall agree to guarantee the obligations of such Affiliate hereunder.

      2.3 U.S. Production. Licensee agrees that any Products used or sold in the
Untied States will be manufactured substantially in the United States.

      2.4 Audits and Inspection Rights.

            2.4.1 Licensor shall have the right, upon reasonable advance notice,
      to  inspect  Licensee's  records  and  facilities,  and  the  records  and
      facilities of Affiliates of Licensee,  with respect to the  manufacture or
      distribution  of Products and Processes  hereunder and to receive  samples
      thereof in order to verify that such  manufacturing is within the scope of
      this  Agreement,  and that there are  appropriate  security  procedures to
      protect Licensor's  Confidential  Information,  as that term is defined in
      Section 8.1 hereof.  Licensee shall have similar rights as to any contract
      manufacturer utilized by Licensee.

            2.4.2 If the payment of Royalties is required as provided in Section
      3.2,  during the term of this  Agreement  and for a period of one (1) year
      thereafter,  Licensor  shall  have the  right,  at his  expense,  and upon
      reasonable notice to Licensee,  to have examined by an independent auditor
      with a national reputation,  reasonably acceptable to Licensee, Licensee's
      books and records in order to  determine  or verify the Net  Receipts  and
      sales of Products.  Licensor shall not make any such examination more than
      twice in any  calendar  year.  If an error in the reported Net Receipts or
      the reported number of Products sold by Licensee is discovered as a result
      of such an  examination  and the  reported  Net  Receipts or the  reported
      Product sold by Licensee  during the period(s)  examined were in excess of
      5% less than the actual Net Receipts or Product  sold by Licensee,  as the
      case  may  be,  during  such  period(s),  Licensee  (i)  shall  pay all of
      Licensor's  out-of-pocket  expenses related to such examination,  and (ii)
      shall pay  Licensor  interest on the amount of such  underpayment,  at the
      rate of 10% per annum, from the date such amount was due and payable until
      such amount is actually paid.

            2.4.3 Licensee shall keep adequate records to verify all reports and
      payments made to Licensor  pursuant to this  Agreement for a period of two
      (2) years following the date of such reports and payments.

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      2.5 No Other  Licenses.  The  License  granted  under  this  Agreement  is
specifically set forth herein,  and no other licenses are granted by Licensor to
Licensee by implication or estoppel, including, but not limited to non-VoIP Uses
of the Patents.

      2.6 Reservation Of Rights. All rights not specifically granted to Licensee
hereunder are reserved by Licensor.

      2.7 Restrictions on Export. Licensee acknowledges and agrees that it shall
not import, export, or re-export Product to any country in violation of the laws
and  regulations  of any  applicable  jurisdiction.  Licensee  further agrees to
defend,  indemnify, and hold Licensor harmless for any losses, costs, claims, or
other liabilities arising out of Licensee's breach of this Section.

3. COMPENSATION

      3.1 Royalties. Licensee shall pay to Licensor royalties equal to 3% on its
Net  Receipts  ("Royalties")  or an stock option  acceptable  by the Licensor in
exchange for the Royalties.  Such Royalties shall be due and payable to Licensor
regardless of whether Licensee collects payments for Product from its consumers.

      3.2 Patent Costs. In  consideration  of the License granted in Section 2.1
above,  Licensee  agrees to pay all patent filing,  prosecution  and maintenance
costs  related to the Patents as set forth in Section  4.3 during the  Exclusive
Period,  to the extent such costs relate to the maintenance and  preservation of
the Patents as they relate to VoIP services.

      3.3 Taxes and Assessments.

            3.3.1 In addition to any other  payments  due under this  Agreement,
      Licensee  agrees to pay,  indemnify  and hold  Licensor  harmless from any
      sales, Use, excise, import or export,  value-added or similar tax or duty,
      and any other tax not based upon  Licensor's  net  income,  including  any
      penalties and interest,  and all government permit or license fees and all
      customs and similar fees,  levied upon the Use or  distribution of Product
      which  Licensor  may incur in  respect  of this  Agreement,  and any costs
      associated  with the  collection  or  withholding  of any of the foregoing
      items ("Taxes").

            3.3.2 If Licensee fails to pay any Taxes as of the original due date
      for such  Taxes and  Licensor  receives  any  assessment  or other  notice
      (collectively  the  "ASSESSMENT")  from any governmental  taxing authority
      providing  that such  Taxes are due from  Licensor,  Licensor  shall  give
      Licensee  written  notice  of the  Assessment  and  Licensee  shall pay to
      Licensor  or the  taxing  authority  the  amount  set  forth as due in the
      Assessment  within thirty (30) days of receipt of such written notice from
      Licensor.

      3.4 Payment  Terms.  Royalties  shall accrue upon delivery of Product to a
customer by Licensee and shall be payable  within thirty (30) days after the end
of each  Contract  Quarter.  Each  Royalty  payment  shall be  accompanied  by a
statement setting forth in sufficient detail the basis upon which Royalties were
calculated. Payments and statements shall be sent to Licensor at the address set
forth in Section  11.12 of this  Agreement or such other address as Licensor may
designate in writing.  All payments due under this Agreement shall be payable in
United States dollars.  Conversion of foreign  currency to U.S. dollars shall be
made at the  conversion  rate  existing in the United States (as reported in the
Wall Street  Journal) on the first  working day of the month in which payment is
due. Such payments shall be without  deduction of exchange,  collection or other
charges, and, specifically, without deduction of withholding or similar taxes or
other government imposed fees or taxes.

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      3.5 Diligence  Requirements.  Licensee shall use its diligent efforts,  or
shall  cause its  Affiliates  to use  diligent  efforts,  to develop  Product or
Processes  and to  introduce  such  Product and  Processes  into the  commercial
market;  thereafter,  Licensee  or its  Affiliates  shall make such  Product and
Processes reasonably available to the public.

      3.6  Record  Keeping.   Licensee  shall  maintain,  and  shall  cause  its
Affiliates to maintain, complete and accurate records relating to the rights and
obligations  under  this  Agreement,  which  records  shall  contain  sufficient
information to permit Licensor to confirm the accuracy of any reports  delivered
to Licensor and  compliance in other respects with this  Agreement.  Licensee or
its Affiliates  shall retain such records for at least five (5) years  following
the end of the calendar year to which they  pertain,  during which time Licensor
or his appointed agents shall have the right, at Licensor's  expense, to inspect
such  records  during  normal  business  hours to  verify  any  reports  made or
compliance in other respects under this  Agreement.  Such  inspections  shall be
conducted at the Licensee's  business office,  with reasonable notice, and shall
be conducted no more than twice every twelve (12) months.

      3.7 Purchase  Option.  Licensor hereby grants Licensee an exclusive option
to  purchase  all right and  title in and to the  Patent  Rights on or after the
fourth anniversary of the Effective Date through the end of the Exclusive Period
(the "OPTION PERIOD") for a purchase of Four Million U.S.  Dollars  ($4,000,000)
("PURCHASE  Price")  (the  "OPTION").  The Option must be  exercised  by written
notice from Licensee to Licensor at least thirty (30) days prior to the proposed
purchase date.  Following receipt of such notice by Licensor,  the parties shall
enter into a purchase agreement for the Patent Rights on substantially the terms
set forth in this  Section 3.7 (the  "PURCHASE  AGREEMENT")  within  thirty (30)
days. Pursuant to the Purchase Agreement and upon delivery of the Purchase Price
to  Licensor,  Licensor  shall  file an  assignment  with  respect to the Patent
Rights, and shall take all other actions deemed reasonably necessary by Licensee
to separate the Patent Rights from the Patents and to transfer ownership of such
Patent Rights to Licensee.  Licensee may notify  Licensor in writing at any time
during the Option  Period of its  decision  not to exercise  the Option at which
point the  Option  will  lapse and  Licensor  shall be free to offer the  Patent
Rights  to a Third  Party  purchaser  subject  to the  terms of this  Agreement;
provided,  however,  that if Licensor should make an offer to sell or solicit or
receive an offer to buy the Patent Rights to or from any Third Party for a price
less than the  Purchase  Price,  he shall  first be required to offer the Patent
Rights to Licensee on the same or similar  terms as those  offered to such Third
Party and  Licensee  shall have the right to purchase  the Patent  Rights on the
terms  presented  within  thirty (30) days of such notice.  For the avoidance of
doubt,  the parties'  obligations  under this Agreement  shall continue in force
after any notice of exercise of they Option has been given until  assignment  of
the Purchase Price shall have been  effectuated.  The Option may not be assigned
in whole or in part without the prior written consent of Licensor.

4.       PATENT PROSECUTION

      4.1  Responsibility  for Patent  Rights.  Licensee  shall  prepare,  file,
prosecute  and maintain the Patents,  including  patents,  patent  applications,
continuations,  continuations-in-part and divisionals having claims covering the
Patent Rights as they may be applied in the Territory. The attorney handling the
filing,  prosecution  and  maintenance  of the Patents  shall be  notified  that
Licensor is the owner of the Patents, that all prosecution shall be conducted in
the best  interests  of  Licensor,  and that  Licensor  shall be  copied  on all
correspondence.

      4.2 Unrelated  Rights.  Licensor shall be responsible for and maintain the
Patents,   including   any   patents,   patent   applications,    continuations,
continuations-in-part   and  divisionals  related  to  non-VoIP  technology  and
services.

      4.3 Payment of Expenses.  Payment of all fees and costs incurred after the
Effective Date, including  attorney's fees, relating to the filing,  prosecution
and maintenance of the Patents under Section 4.1 shall be the  responsibility of
Licensee.

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5.       INFRINGEMENT

      5.1  Notification  of  Infringement.  Each party agrees to provide written
notice to the other party promptly after becoming aware of any  infringement  of
the Patent Rights.

      5.2 Rights to Prosecute Infringement of the Patent Rights.

            (a) Licensee's  Right to Prosecute.  So long as Licensee remains the
      exclusive licensee of the Patent Rights in the Territory, Licensee, to the
      extent  permitted by law, shall have the right,  under its own control and
      at its own  expense,  to  prosecute  any Third Party  infringement  of the
      Patent Rights in the Territory subject to Section 5.4. If required by law,
      Licensor  shall  permit any action under this Section to be brought in his
      name, including being joined as a party-plaintiff,  provided that Licensee
      shall hold Licensor  harmless from, and indemnify  Licensor  against,  any
      costs,  expenses or liability that Licensor incurs in connection with such
      action.

      Prior to commencing any such action,  Licensee shall consult with Licensor
      and shall consider the views of Licensor regarding the advisability of the
      proposed action and its effect on the public interest.  Licensee shall not
      enter into any  settlement,  consent  judgment,  or other  voluntary final
      disposition  of any  infringement  action under this  Section  without the
      prior written consent of Licensor,  which will not be materially  withheld
      or delayed.

            (b)  Licensor's  Right to  Prosecute.  In the event that Licensee is
      unsuccessful  in  persuading  the alleged  infringer to desist or fails to
      have  initiated an  infringement  action  within a  reasonable  time after
      Licensee first becomes aware of the basis for such action,  Licensor shall
      have the right,  at his sole  discretion,  to prosecute such  infringement
      under his sole control and at his sole expense,  and any recovery obtained
      shall belong to Licensor.  Licensor shall indemnify Licensee for any order
      for costs that may be made against Licensee in such proceedings.

      5.3 Declaratory Judgment Actions. In the event that a declaratory judgment
action is  brought  against  Licensor  or  Licensee  by a Third  Party  alleging
invalidity or  unenforceability of the Patent Rights,  Licensor,  at his option,
shall have the right within twenty (20) days after  commencement  of such action
to take over the sole defense of the action at his own expense. If Licensor does
not exercise  this right,  Licensee may take over the sole defense of the action
at Licensee's sole expense, subject to Section 5.4.

      5.4 Recovery. Any recovery obtained in an action brought by Licensee under
Sections  5.2 or 5.3 shall be  distributed  as follows:  (i) each party shall be
reimbursed for any expenses incurred in the action, (ii) as to ordinary damages,
Licensee  shall  receive 100% of any award,  and (iii) as to special or punitive
damages  (including any damages in excess of "single  damages"),  Licensor shall
receive  thirty  percent  (30%) and the Licensee  seventy  percent  (70%) of any
award.

      5.5  Cooperation.  Each party agrees to cooperate in any action under this
Section 5 which is controlled by the other party,  provided that the controlling
party  reimburses  the  cooperating  party  promptly  for any costs and expenses
incurred by the cooperating party in connection with providing such assistance.

      6. REPRESENTATIONS AND WARRANTIES

      6.1 Licensor and Licensee each represents and warrants to the other that:

            (i) with respect to Licensee, it is organized,  validly existing and
      in good  standing  under the laws of the  country  or state in which it is
      incorporated;

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            (ii) its or his  execution and delivery of this  Agreement,  and the
      performance of its or his obligations under this Agreement, have been duly
      authorized by all necessary  corporate  action on its part, if applicable,
      and it or he has full  power,  right  and  authority  to enter  into  this
      Agreement,  to, in the case of Licensor,  grant the license he has granted
      hereunder, and to perform its or his obligations hereunder;

            (iii) with respect to Licensee,  neither the  execution and delivery
      of  this  Agreement  by  it,  nor  the  performance  by it of  any  of its
      obligations   under  this  Agreement,   violates  any  applicable  law  or
      regulation  of any  country,  state or  other  governmental  unit,  or its
      Articles  or  Certificates  of  Incorporation  or Bylaws or other  charter
      documents;

            (iv)  the  execution  and  delivery  of  this   Agreement  does  not
      constitute a violation of, or a breach or default under,  any agreement or
      instrument,  or judgment or order of any court or governmental  authority,
      to which it or he is a party or to which it or he is  subject  or to which
      any of the Patent Rights are subject;

            (v) this  Agreement is a valid and binding  obligation of it or him,
      enforceable against it or him in accordance with its terms, except as such
      enforceability may be limited by equitable  principles or by bankruptcy or
      other laws affecting creditors' rights generally; and

            (vi) no consent,  approval,  order or  authorization  of any person,
      entity, court or governmental  authority is required on its or his part in
      connection  with the  execution  and  delivery  of this  Agreement  or the
      performance by it or him of its or his obligations hereunder.

      6.2 Licensor  represents and warrants to Licensee that he has title to, or
a license with a right to sublicense,  the Patent  Rights,  in the form in which
they  are  delivered  to  Licensee,  free  and  clear of any  liens,  claims  or
encumbrances or interests of any third party or any license which is in conflict
with the  License.  As of date  hereof,  no part of the  Patent  Rights has been
licensed to Licensor  and  Licensor  has not granted any license with respect to
any part of the Patent Rights.

      7. INDEMNIFICATION

      7.1 By Licensor.  Licensor shall, at his own expense, defend and indemnify
Licensee  for  damages  and  reasonable  costs  incurred  in any suit,  claim or
proceeding  brought  against  Licensee  alleging that the Patent Rights licensed
pursuant to this Agreement infringe any patents in the states listed on Appendix
A, or  misappropriate  any trade  secrets,  provided  that  Licensor is promptly
notified,  rendered reasonable assistance by Licensee as required, and permitted
to direct  the  defense  or  settlement  negotiations.  Licensor  shall  have no
liability for any infringement  arising from: (a) the integration or combination
of the Patent  Rights  with  other  Intellectual  Property  of  Licensee  if the
infringement  would have been  avoided in the  absence  of such  integration  or
combination; or (b) modifications to the Patents requested by Licensee.

      7.2 Remedies.  In the event Licensor  reasonably  believes that the Use of
the Patent Rights is likely to be enjoined, Licensor may, at his option, either:
(i)  modify  the  infringing  item so that it no longer  infringes  but  remains
functionally  equivalent;  (ii) obtain for Licensee,  at Licensor's expense, the
right  to  continue  Use of such  item;  or (iii)  if none of the  foregoing  is
feasible,  Licensor may  terminate  only that portion of the License  associated
with respect to such item or items, subject to a mutually satisfactory equitable
reduction in the Royalty and fees payable under this Agreement.  Notwithstanding
the  foregoing,  Licensee  acknowledges  that  Licensor may  undertake to obtain
patent  licenses from third parties  relating to the Patent Rights,  and in such
event the royalty obligation for Product arising from such patent licenses shall
be passed  through  to,  and paid at the  direction  of  Licensor  by  Licensee;
provided,  however,  that the per-unit  royalty  obligation  payable by Licensee
shall not exceed the per-unit or  percentage  royalty  obligation  (whichever is
less)  payable by Licensor for products  similar to the Licensee  Products,  and
shall not in any event exceed Licensee's  Royalty  obligations for Product under
this Agreement.

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      7.3 By Licensee.  Licensee shall, at its own expense, defend and indemnify
Licensor  for  damages  and  reasonable  costs  incurred  in any suit,  claim or
proceeding  brought against Licensor or his Affiliates that Product or Processes
infringe (i) any patents in the United States, (ii) any copyrights worldwide, or
(iii) any  trademarks  in any  countries in which  Licensee  markets  Product in
connection with the Patent Rights, or misappropriate any trade secrets, provided
that Licensee is promptly notified,  rendered reasonable  assistance by Licensor
as required,  and  permitted to direct the defense or  settlement  negotiations.
Licensee  shall have no liability for any  infringement  arising from Use of the
Patent Rights.

      7.4 Procedure for Indemnification.

            7.4.1 In the event that any legal proceedings are instituted, or any
      claim or demand is asserted, by any third party which may give rise to any
      damage,  liability,  loss,  or cost or expense in respect of which  either
      party has  indemnified  the other  party under this  Section 7 above,  the
      indemnified party shall give the indemnifying  party written notice of the
      institution of such proceeding,  or the assertion of such claim or demand,
      promptly  after  the  indemnified   party  first  becomes  aware  thereof;
      provided,  however, that any failure by the indemnified party to give such
      notice on such  prompt  basis shall not affect any of its or his rights to
      indemnification  hereunder  unless such failure  materially  and adversely
      affects the ability of the indemnifying party to defend such proceeding.

            7.4.2 The  indemnifying  party  shall have the right,  at its or his
      option and at its or his own expense,  to be represented by counsel of its
      choice,  subject to the approval of the indemnified  party, which approval
      shall not be  unreasonably  withheld  or delayed,  and to defend  against,
      negotiate with respect to, settle or otherwise deal with such  proceeding,
      claim or demand; provided, however, that no settlement of such proceeding,
      claim or demand  shall be made  without the prior  written  consent of the
      indemnified  party,  which consent shall not be  unreasonably  withheld or
      delayed,  unless, pursuant to the terms and conditions of such settlement,
      the  indemnified  party  shall be  released  from any  liability  or other
      exposure with respect to such proceeding,  claim or demand;  and provided,
      further, that the indemnified party may participate in any such proceeding
      with  counsel of its or his choice and at its or his own  expense.  In the
      event, or to the extent,  the  indemnifying  party elects not to, or fails
      to,  defend such  proceeding,  claim or demand and the  indemnified  party
      defends  against,  settles or  otherwise  deals with any such  proceeding,
      claim or demand, any settlement thereof may be made without the consent of
      the indemnifying party if it or he is given written notice of the material
      terms and  conditions  of such  settlement at least ten (10) business days
      prior  to a  binding  agreement  with  respect  to such  settlement  being
      reached.  Each of the parties agrees to cooperate fully with each other in
      connection  with  the  defense,  negotiation  or  settlement  of any  such
      proceeding, claim or demand.

      8. CONFIDENTIALITY

      8.1  Confidential  Information.   For  the  purposes  of  this  Agreement,
"Confidential  Information" shall mean any information delivered by one party to
another which the  receiving  party  ("RECEIVING  PARTY") knows or has reason to
know is considered  confidential by disclosing party ("DISCLOSING  PARTY").  The
Receiving  party  agrees  to  take   precautions  to  prevent  any  unauthorized
disclosure or use of Confidential Information of the Disclosing party consistent
with  precautions  used  to  protect  the  Receiving  party's  own  confidential
information,  but in no event  less than  reasonable  care.  Except as  provided
below, Licensee agrees to treat the Confidential Information as confidential and
shall not disclose the Confidential  Information to any person or Entity without
the  Disclosing  party's prior  written  consent.  The Receiving  party may only
disclose the  Confidential  Information to its Affiliates,  employees and agents
who  reasonably  require  access to such  Confidential  Information  to  perform
obligations under this Agreement. The Receiving party shall take all appropriate

                                       8
<PAGE>

steps to ensure that its employees and contractors  who are permitted  access to
the Confidential  Information of the Disclosing party agree to act in accordance
with the obligations of  confidentiality  imposed by this Agreement.  Should any
party be faced with legal action to disclose Confidential Information under this
Agreement,  the Receiving party shall promptly  notify the Disclosing  party and
upon  the  Disclosing  party's  request,  shall  reasonably  cooperate  with the
Disclosing party in contesting such disclosures. The obligations imposed by this
Section shall survive any termination of this Agreement.

      8.2 Non-Confidential Information. The obligations set forth in Section 8.1
shall not apply to any particular portion of any Confidential Information to the
extent  that:  (i) now or  subsequently  becomes  generally  known or  available
through no act or omission of Receiving party;  (ii) was or is known at the time
of receipt of same from  Disclosing  party;  (iii) is provided by the Disclosing
party to a third party without  restriction on disclosure;  (iv) is subsequently
rightfully  provided to Receiving party by a third party without  restriction on
disclosure;  or (v) is independently  developed by Receiving party and as can be
demonstrated from Receiving party's business records and documentation, provided
the person or  persons  developing  same had not had access to the  Confidential
Information of the Disclosing party prior to such independent development.

      9. LIABILITY

      9.1 EXCEPT FOR  LIABILITY  FOR BREACH OF SECTION 8  (CONFIDENTIALITY)  AND
EXCEPT AS  SPECIFICALLY  PROVIDED  IN SECTION 7  (INDEMNIFICATION):  (A) NEITHER
PARTY SHALL HAVE ANY LIABILITY FOR INCIDENTAL, CONSEQUENTIAL,  INDIRECT, SPECIAL
OR  PUNITIVE  DAMAGES  OF ANY KIND OR FOR LOSS OF  REVENUE  OR LOSS OF  BUSINESS
ARISING OUT OF OR IN CONNECTION WITH THIS  AGREEMENT,  REGARDLESS OF THE FORM OF
THE ACTION,  WHETHER IN CONTRACT,  TORT (INCLUDING  NEGLIGENCE),  STRICT PRODUCT
LIABILITY OR OTHERWISE,  EVEN IF ANY  REPRESENTATIVE  OF A PARTY HERETO HAS BEEN
ADVISED  OF  THE  POSSIBILITY  OF  SUCH  DAMANGES;  AND  (B) IN NO  EVENT  SHALL
LICENSOR'S LIABILITY UNDER THIS AGREEMENT EXCEED THE AMOUNTS PAID BY LICENSEE TO
LICENSOR UNDER THIS AGREEMENT.

10.      TERM AND TERMINATION

      10.1 Term.  The Term of this  Agreement  shall begin on the Effective Date
and shall continue through the Exclusive Period.

      10.2  Termination  Due to  Bankruptcy.  In the event a party:  (i) becomes
insolvent;  (ii)  voluntarily  files or has filed  against it a  petition  under
applicable bankruptcy or insolvency laws which such party fails to have released
within  thirty  (30)  days  after  filing;   (iii)  proposes  any   dissolution,
composition  or  financial  reorganization  with  creditors  or  if a  receiver,
trustee,  custodian  or similar  agent is  appointed  or takes  possession  with
respect to all or substantially  all property or business of such party; or (iv)
such party makes a general  assignment  for the benefit of creditors,  the other
party may  terminate  this  Agreement  by  giving a  termination  notice,  which
termination shall become effective ten (10) days after mailing.

      10.3 Right to Terminate; Early Termination.

            10.3.1 Either party shall have the right to terminate this Agreement
      if the other party is in material  breach of any term or condition of this
      Agreement  and fails to remedy such breach  within  thirty (30) days after
      receipt  of a written  notice of such  breach  given by the  non-breaching
      party; or

                                       9
<PAGE>

            10.3.2  Licensee may terminate  this Agreement upon thirty (30) days
      written notice to Licensor:

                  (a) if remedies  provided in Section 7.1 are  insufficient  to
            provide  Licensee  with the right to continue  using any part of the
            Patent Rights subject to a claim of patent  infringement  or alleged
            patent infringement, provided that Licensee shall not have the right
            to  terminate  if to the  extent  that  Licensor  is able  to  avoid
            infringement or alleged infringement of the patent rights of a Third
            Party as provided in Section 7.1; and

                  (b)  provided  further  that  Licensee's  right  to  terminate
            pursuant to the foregoing  subsection (a) shall not limit Licensee's
            rights and remedies otherwise available in this Agreement or at law.

            10.3.3 Licensor may terminate this Agreement if Licensee:

                  (a) makes an assignment for the benefit of creditors;

                  (b) admits in writing its  inability  to pay its debts as they
            become due;

                  (c) distributes to its creditors any composition, extension or
            similar kind of agreement  which purpose is to reach an out of court
            settlement with its creditors;

                  (d)  causes or  consents  to the  appointment  of a  receiver,
            trustee,  liquidator  or  similar  officer  for all or any  material
            portion of its property;

                  (e) shall be  dissolved  or fails to  maintain  its  corporate
            existence;

                  (f)  has  its  ability  to  conduct   business   suspended  or
            terminated;

                  (g) becomes insolvent;

                  (h) makes or consents to a notice of intended bulk transfer of
            its assets;

                  (i) convenes a meeting of creditors to restructure its debts;

                  (j) takes any  corporate  or other  action for the  purpose of
            effectuating any of the foregoing;  or

                  (k) if any  proceeding,  a receiver,  trustee,  liquidator  or
            similar officer is appointed to administer  and/or  liquidate all or
            any portion of the property of the other party and such  appointment
            is not vacated or set aside within 45 days after the  appointment of
            such receiver, trustee, liquidator or similar officer.

      10.4  Effect  Of  Termination.  In the  event of any  termination  of this
Agreement,  each party  shall be entitled  to the rights and  remedies  afforded
pursuant  to Section  365(n) of the  Bankruptcy  Code,  and to any and all other
legal and equitable  remedies to which such party may be entitled under the law.
Upon the termination or expiration of this  Agreement,  Licensee shall terminate
further Use of the Patent Rights.

                                       10
<PAGE>

      10.5  Survival.  The  defined  terms  contained  herein and the rights and
obligations  in the following  Sections  shall survive any  termination  of this
Agreement:   3  ("Compensation"),   6  ("Representations  and  Warranties"),   7
("Indemnification"),  8 ("Confidentiality"), 9 ("Liability"), 10 ("Termination")
and 11 ("General Provisions").

11. GENERAL PROVISIONS

      11.1  Allocation  Of  Risk.  The  Sections  on  limitation  of  liability,
limitation  of  warranties  and limited  warranties  allocate  the risks of this
Agreement  between the parties.  This  allocation is reflected in the pricing of
the license fees and is an essential element of the basis of the bargain between
the parties.

      11.2 Amendment.  This Agreement may be amended or  supplemented  only by a
writing that is signed by duly authorized representatives of both parties.

      11.3  Assignment.  Licensor may assign this Agreement to any person to who
it  transfers  all or  substantially  all of its rights in the License or to any
subsidiary  or affiliate or any entity into which it is merged or the  surviving
Entity of any  reorganization  to which  Licensee was a part,  including but not
limited to a  transaction  in which  Licensee is  acquired by a publicly  traded
Entity. Except as provided in the preceding sentence,  neither party may assign,
voluntarily,  by  operation  of law, or  otherwise,  any rights or delegate  any
duties under this Agreement (other than the right to receive  payments)  without
the other  party's  prior  written  consent.  Any attempt to do so without  that
consent will be void.  This  Agreement will bind and inure to the benefit of the
parties and their representative successors and permitted assigns.

      11.4 Choice Of Law.  This  Agreement  will be governed by and construed in
accordance  with the laws of the United  States and the State of  California  as
applied  to  agreements  entered  into  and  to  be  performed  entirely  within
California  between  California  residents.  The  parties  agree that the United
Nations  Convention on Contracts for the  International  Sale of Goods (1980) is
specifically excluded from application to this Agreement.

      11.5 Choice of Forum. The parties hereby submit to the jurisdiction of and
waive any venue,  objections  against,  the United States District Court for the
Southern  District of California,  San Diego Branch,  and the Superior Courts of
the State of California, San Diego County, in any litigation arising out of this
Agreement.

      11.6  Injunctive  Relief.  The  Use  of  the  Patent  Rights  in a  manner
inconsistent with any provision of this Agreement may cause  irreparable  injury
to Licensor for which Licensor may not have an adequate remedy at law.  Licensor
may be entitled to  equitable  relief in court,  including,  but not limited to,
temporary restraining orders, preliminary injunctions and permanent injunctions.

      11.7 Compliance With  Laws/Foreign  Corrupt Practices Act. Licensee agrees
at all times to comply with  applicable  laws and regulations in its performance
of this Agreement,  including,  without limitation, the provisions of the United
States' Foreign Corrupt Practices Act ("FCPA").  Licensee will indemnify, defend
and hold harmless  Licensor and its  respective  officers,  agents and employees
from and against any and all losses, costs, claims and other liabilities arising
out of,  relating to or  resulting  from  Licensee's  failure to comply with the
provisions of applicable laws or the FCPA.

      11.8 Counterparts. This Agreement may be executed simultaneously in two or
more  counterparts,  each of which will be deemed an original,  but all of which
together will constitute one and the same instrument.

      11.9 Entire  Agreement.  This  Agreement,  including  all exhibits to this
Agreement, constitutes the entire agreement between the parties relating to this
subject  matter  and  supersedes  all  prior  or  simultaneous  representations,
discussions,  negotiations and agreements, whether written or oral. The headings

                                       11
<PAGE>

and  captions  are  inserted  for  convenience  of  reference  only  and  do not
constitute a part of or modify any of the terms of this Agreement.

      11.10 Force Majeure. Neither party will be liable for any failure or delay
in  performance  under this  Agreement  which might be due, in whole or in part,
directly or indirectly,  to any contingency,  delay,  failure,  or cause of, any
nature beyond the reasonable  control of such party,  including,  without in any
way limiting the  generality  of the  foregoing,  fire,  explosion,  earthquake,
storm,  flood or other  weather,  unavailability  of necessary  utilities or raw
materials,  strike,  lockout,  unavailability  of  components,  activities  of a
combination of workmen or other labor difficulties, war, insurrection, riot, act
of God or  the  public  enemy,  law,  act,  order,  export  control  regulation,
proclamation,  decree,  regulation,  ordinance, or instructions of Government or
other  public  authorities,  or  judgment  or  decree  of a court  of  competent
jurisdiction (not arising out of breach by such party of this Agreement). In the
event of the  happening  of such a cause,  the  party  whose  performance  is so
affected will give prompt written notice to the other party,  stating the period
of time the same is expected to continue.

      11.11 Licensee's Governmental Approval Obligations. Licensee shall, at its
own expense,  obtain and arrange for the maintenance in full force and effect of
all governmental approvals,  consents, licenses,  authorizations,  declarations,
filings,  and registrations as may be necessary or advisable for the performance
of all the terms and conditions of this Agreement including, but not limited to,
distribution  approval,  foreign exchange approvals,  import and export licenses
and  all  approvals  which  may be  required  to  realize  the  purpose  of this
Agreement.

      11.12 Notices,  Etc. All notices and other communications  hereunder shall
be deemed given if given in writing and  delivered by hand,  prepaid  express or
courier delivery service or by facsimile transmission or mailed by registered or
certified mail (return receipt requested), facsimile or postage fees prepaid, to
the party to receive the same at the respective addresses set forth below (or at
such  other  address  as may from time to time be  designated  by such  party in
accordance with this Section 14.11):

      (a)  If to Licensee:

           Administration for International Credit & Investment, Inc.
           391 N.W. 179th Ave., Aloha, Oregon 97006
           Attention: David E. Halverson

      (b)  If to Licensor:

           Wolfgang Grabher
           Zettachring 2a
           D-70567 Stuttgart

      All such notices and  communications  hereunder  shall for all purposes of
this  Agreement be treated as  effective or having been given when  delivered if
delivered  personally,  or, if sent by mail,  at the  earlier of its  receipt or
seventy-two  (72)  hours  after  the  same  has been  deposited  in a  regularly
maintained  receptacle for the deposit of the United States mail,  addressed and
postage prepaid as aforesaid.

      11.13  Relationship  of  Parties.   The  parties  to  this  Agreement  are
independent contractors. Neither party has the authority to bind the other or to
incur any obligation on its behalf.

      11.14  Severability.  If any part of this  Agreement  is found  invalid or
unenforceable,  that part will be amended to achieve as nearly as  possible  the
same  economic  effect  as the  original  provision  and the  remainder  of this
Agreement will remain in full force.

                                       12
<PAGE>

      11.15 Waiver.  No term or provision  hereof will be  considered  waived by
either  party,  and no breach  excused by either  party,  unless  such waiver or
consent is in writing signed by both parties.  No consent by either party to, or
waiver of, a breach by either party, whether express or implied, will constitute
a consent to, waiver of, or excuse of any other, different, or subsequent breach
by either party.

      11.16  Calendar  Days.  The references to "days" herein are to be calendar
days unless expressly designated as "business days."

      11.17  Attorneys'  Fees.  In any action to  enforce  this  Agreement,  the
prevailing party shall be awarded all court costs and reasonable attorneys' fees
incurred,  including  such costs and  attorneys'  fees incurred in enforcing and
collecting any judgment.

                     [THIS SPACE INTENTIONALLY LEFT BLANK.]

                                       13
<PAGE>

      IN WITNESS  WHEREOF,  the parties have executed  this  Agreement as of the
date first set forth above.

               LICENSOR

                /s/ Wolfgang Grabher
               --------------------------------------------------------------
               Wolfgang Grabher

               Date:   July 13, 2000
                     --------------------------------------------------------

               LICENSEE

               ADMINISTRATION FOR INTERNATIONAL CREDIT
               & INVESTMENT, INC.

                /s/ David E. Halverson
               --------------------------------------------------------------
               By: David E. Halverson

               Title: CEO/President

               Date:   July 17, 2000
                     --------------------------------------------------------

                                       14
<PAGE>

                                   APPENDIX A

                                     PATENTSEXHIBIT 10.5

                                   Amendment 1

                       EXCLUSIVE PATENT LICENSE AGREEMENT

                                      Waver

                                      from

                                WOLFGANG GRABHER
                                  ("Licensor")

                                       to

           ADMINISTRATION FOR INTERNATIONAL CREDIT & INVESTMENT, INC.
                                  ("Licensee")

                          Dated as of February 9, 2005

Wolfgang  Grabher wave his rights from the exclusive  patent license  agreement,
dated as of July 13, 2000 for his rights to receive  royalties and agrees to the
change of control of Licensee.

La Jolla, February 9, 2005

/s/ Wolfgang Grabher
--------------------------
Wolfgang Grabher

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