Document:

EXHIBIT 10.8

                         REPUBLIC OF MADAGASCAR

MINISTRY OF ENERGY
AND MINES
General Secretariat
General Administration
Inter-Regional Administration
Antsiranana

                              JOINT VENTURE PERMIT
                           NO. 010-98/MEM/SG/DG/DIR.D

THE INTER-REGIONAL DIRECTOR OF ENERGY AND MINES FOR ANTSIRANANA

In view of the Constitution of September 18, 1992;

In view of Constitutional Law No. 95-001 of October 13, 1995 which revised
Sections 56, 61, 74, 75,90,91 and 94 of the Constitution of September 18, 1992;

In view of Law No. 95-016 of August 09, 1995 concerning the Mining Code;

In view of Government Order No. 1326/94/MEM/SG/DG/DMI/SMI of July 25, 1994
setting forth the conditions of validity for Joint Venture Agreements;

In view of the Joint Venture Agreement dated April 01, 1998;

                                     BETWEEN

Ms. Eva Vanessa ZAFIMAHOVA

Holder of Type I Mining Permit No. V 32-005 of August 06, 1996 which is valid
for the mining of CORUNDUM / SAPPHIRES

Signatory:

Ms. Eva Vanessa ZAFIMAHOVA

Holder of Identity Card No. 213-012-004-649 issued on 29/12/98 at Farafangana

Residing at: Villa des Bananiers Lot II M Farango, Analamahitsy;

                                   AND

ADAM MINING COMPANY LTD. - "ADAMCO"

Signatory:

Mr. Jean-Louis RABEHARISOA

Holder of National Identity Card No: 101 221 059 824 issued on May 18, 1995 at
Antananarivo II

Residing at: Lot VX 9 a) Andrefandrova Antananarivo 101

                         THE FOLLOWING HAS BEEN DECIDED:

ARTICLE ONE:

ADAM MINING COMPANY LTD. - "ADAMCO" is hereby authorized to mine in the mining
perimeters which carry the below cited numbers and references:

            XV                                  YV
          708.750                            1466.250
          708.250                            1463.750

In association with
Ms. Eva Vanessa ZAFIMAHOVA

within the context of a joint venture pursuant to the provisions of Section 43
of Law No. 95-016 of August 09, 1995 concerning the Mining Code.

ARTICLE TWO: Both parties are subject to the obligations set forth in the
current legislation as well as the procedures set forth in their joint venture
agreement.

ARTICLE THREE: This authorization is hereby granted for the validity period of
the permit(s) and where applicable for the validity period of any renewal(s) by
way of tacit agreement.

ARTICLE FOUR: The Director for Mines and the Inter-Regional Director for the
Ministry of Energy and Mines of ANTANANARIVO are each responsible for the
performance of this permit which will be officially registered and distributed
as required.

                        Prepared in Antsiranana, April 24,1998
                        (Signatures and Official stamps)

                                       83
<PAGE>

                             REPUBLIC OF MADAGASCAR

MINISTRY OF ENERGY
AND MINES
General Secretariat
General Administration
Inter-Regional Administration
Antsiranana

                              JOINT VENTURE PERMIT
                           NO. 011-98/MEM/SG/DG/DIR.D

THE INTER-REGIONAL DIRECTOR OF ENERGY AND MINES FOR ANTSIRANANA

In view of the Constitution of September 18, 1992;

In view of Constitutional Law No. 95-001 of October 13, 1995 which revised
Sections 56, 61, 74, 75,90,91 and 94 of the Constitution of September 18, 1992;

In view of Law No. 95-016 of August 09, 1995 concerning the Mining Code;

In view of Government Order No. 1326/94/MEM/SG/DG/DMI/SMI of July 25, 1994
setting forth the conditions of validity for Joint Venture Agreements;

In view of the Joint Venture Agreement dated April 01, 1998;

                                     BETWEEN

Mr. Christophe SUZANNAH

Holder of Type I Mining Permit No. U32/V32-002 of April 01, 1996 which is valid
for the mining of CORUNDUM / GARNET

Signatory:
Mr. Christophe SUZANNAH

Holder of Identity Card No. 213-011-008-929 issued on 05/10/95 at Farafangana
Residing at: Lot 042 D Ambohibao, Antehiroka, Antananarivo 101

                                       AND

ADAM MINING COMPANY LTD. - "ADAMCO"

Signatory:
Mr. Jean-Louis RABEHARISOA
Holder of National Identity Card No: 101 221 059 824 issued on May 18, 1995 at
Antananarivo II

Residing at: Lot VX 9 a) Andrefandrova Antananarivo 101

                      THE FOLLOWING HAS BEEN DECIDED:

ARTICLE ONE:

ADAM MINING COMPANY LTD. - "ADAMCO" is hereby authorized to mine in the mining
perimeters which carry the below cited numbers and references:

           XV                                   YV
          706.250                            1461.250

In association with
Mr. Christophe SUZANNAH

within the context of a joint venture pursuant to the provisions of Section 43
of Law No. 95-016 of August 09, 1995 concerning the Mining Code.

ARTICLE TWO: Both parties are subject to the obligations set forth in the
current legislation as well as the procedures set forth in their joint venture
agreement.

ARTICLE THREE: This authorization is hereby granted for the validity period of
the permit(s) and where applicable for the validity period of any renewal(s) by
way of tacit agreement.

ARTICLE FOUR: The Director for Mines and the Inter-Regional Director for the
Ministry of Energy and Mines of ANTANANARIVO are each responsible for the
performance of this permit which will be officially registered and distributed
as required.

                     Prepared in Antsiranana, April 24,1998
                        (Signatures and Official stamps)

                                       85EXHIBIT 10.9

                                    AGREEMENT

BETWEEN:

             American Benefits Group, Inc. and all its subsidiaries
                          (hereinafter called "Inc.")

                                       and

                  Gerald E. Sklar (hereinafter called "Sklar")

                                       and

      TRIKAL International Management Limited (hereinafter called "TRIKAL")

      WHEREAS the parties hereto are inter-related in that Sklar is a Director
of both corporate entities.

AND WHEREAS it is beneficial to Inc. for Sklar and TRIKAL to incur expenses on
behalf of Inc. rather than have Inc. incur the expenses in it's own right.

AND WHEREAS Sklar and TRIKAL expect to be reimbursed for expenses of Inc.
incurred by Sklar and TRIKAL.

WITNESSTH THAT:

1.    Until Sklar and TRIKAL are otherwise informed by Inc. that Sklar and
      TRIKAL are hereby appointed agents of Inc. in all matters.

2.    All expenses incurred by either Sklar or TRIKAL on Inc.'s behalf shall be
      submitted to Inc. for approval.

3.    The assigned expenses shall be re-paid to either Sklar or TRIKAL as the
      case may be on the following terms, namely:

      a)    Inc. shall provide security to Sklar or TRIKAL;

      b)    The expenses paid by Sklar or TRIKAL shall not bear interest to
            Inc.;

      c)    The expenses shall be paid to Sklar or TRIKAL on demand provided
            that no demand may be made for at least one year and that payment is
            not to be made for at least one year after the Demand is made.

4.    This Agreement shall extend to those expenses previously incurred by
      either Sklar or TRIKAL and approved by Inc.

5.    In the event that Sklar and/or TRIKAL incur a debt or expense expecting
      that Inc. will approve the expense then and, in the event that the expense
      is not subsequently approved, Sklar and TRIKAL have no recourse against
      Inc. and are totally responsible for the debt or expense.

Wherefore the parties have agreed to be bound by the foregone as is evidenced by
their execution hereof this 1st day of July 1997.

/s/Gerald E Sklar                             /s/Titus T D`Souza
--------------------------------------        ---------------------------
Gerald E. Sklar                                 Witness

/s/ Gerald E Sklar
--------------------------------------
TRIKAL International Management Limited

/s/ Jerry G Mikolajczyk
--------------------------------------
American Benefits Group, Inc.

                                       87EXHIBIT 10.10

AGREEMENT

THIS AGREEMENT made this 18th day of March, A.D. 1999.

BETWEEN:

AMERICAN BENEFITS GROUP, LTD. a body corporate registered pursuant to the laws
of the Province of Alberta in the country of Canada (hereinafter called "ABFG")

and

APRIL MINING GROUP, LTD. a body corporate registered pursuant to the laws of the
Province of Alberta in the country of Canada (hereinafter called "April").

WHEREAS ABFG has been contracted to supply personnel for AMERICAN BENEFITS
GROUP, INC.'s mining projects initially in the Democratic Republic of Madagascar
but which could, in the future, expand to other countries in Africa and/or Asia,

AND WHEREAS ABFG requires April to supply ABFG with" supervisory personnel" to
fulfill that specific aspect of ABFG's agreement with AMERICAN BENEFITS GROUP,
INC..

AND WHEREAS April is desirous of supplying ABFG with said "supervisory
personnel" pursuant to the terms hereinafter recited.

WITNESSTH THAT:

1.0   TERM

1.1   The term of this Agreement shall be from the date hereof up to and
      including the 16 th day of March, A.D. 2000, hereinafter called 'the
      term".

2.0   RENEWAL

2.1   Pursuant to the terms of this paragraph 2.0 ABFG has the sole and
      unfettered discretion to renew1his Agreement for a renewal term or terms
      of THREE (3) years each in duration provided that ABFG may only renew this
      Agreement THREE (3) times the terms of each renewal to be from March 17 th
      A.D. 2000 to March 16 th , A.D. 2003 inclusive; from March 17th, A.D. 2003
      to March 16 th, A.D. 2006 inclusive; and, from March 17th, A-D. 2006 to
      March16 th, A.D. 2009 inclusive respectively.

2.2   The Agreement for each renewal term shall be the same as this Agreement
      save and except that this Agreement may only be renewed THREE (3) times.

2.3   To renew this Agreement ABFG shall provide April with written notice of
      it's intention to so renew the Term or Renewal Term, as the case may be,
      at April's Address for Service hereinafter provided.

2.4   The Notice required to be provided in paragraph 2.3 herein shall be
      received by April, at it's Address for Service hereinafter provided on or
      before the December 1 st immediately preceding the expiration of the Term
      or Renewal Term to be renewed.

2.5   In the event that April does not receive ABFG's Notice of Renewal as
      stipulated in paragraphs 2.3 and 2.4 herein then, and in that event, the
      contractual agreement between the parties is at an end on the next
      subsequent March 16.

3.0   TERMINATION

3.1   Neither of the parties hereto shall terminate this Agreement or cause it
      to come to an end except through the provisions of this paragraph 3.0 and,
      only then in the event that the other party hereto is found, pursuant to
      the Mediation Provisions of paragraph 8.0 herein, to be in "substantial
      breach" of it's obligations hereunder and remains in "substantial breach"
      of it's obligations hereunder for a period of thirty (30) days subsequent
      to being advised of the unsubstantial breach" and is still in "substantial
      breach" at the time that this Agreement is terminated or comes to an end.

3.2   In the event that either party alleges a "substantial breach" of this
      Agreement then and in that event it shall cause written notice of said
      alleged unsubstantial breach" to be served upon the other party at it's
      Address for -Service herein provided.

3.3   The party on whom a Notice of Substantial Breach is served upon pursuant
      to paragraph 3.2 herein shall have FOURTEEN (14) days from the date of the
      posting of the Notice of Substantial Breach in which to rectify and cure
      the " substantial breach":.

3.4   In the event that the party whom it is alleged has committed a
      "substantial breach" of this Agreement does not cure the alleged
      "substantial breach" as prescribed in paragraph 3.3 herein then , and in
      that even, the party alleging the "substantial breach" shall avail itself
      to the Mediation provisions of this Agreement prior to terminating or
      causing this Agreement to come to an end.

3.5   It is agreed by and between the parties hereto that neither party hereto
      shall terminate, cause this Agreement to come to an end or otherwise cease
      it's obligations hereunder until such time as the Mediation Provisions of
      this Agreement are concluded.

3.6   For the purpose of this Agreement "substantial breach" shall mean any
      action or inaction of a party, explicitly in contravention With the terms
      hereof to which the other party cannot reasonably be compensated for by
      damages or to which a reasonable and prudent business man would be unable
      to carry out business as a result thereof.

4.0   AGREEMENT SUSPENSION

4.1   The parties hereto acknowledge each to the other that this Agreement is
      dependent upon AMERICAN BENEFITS GROUP, INC. being able to continue it's
      mining operations in the Democratic Republic of Madagascar and elsewhere,
      if so commenced in the future, and in the event that AMERICAN BENEFITS
      GROUP, INC. is, through causes not within it's reasonable control, unable
      to continue it's mining operations or any portion thereof and the contract
      between AMERICAN BENEFITS GROUP, INC. and ABFG is suspended then and in
      that event ABFG shall forthwith provide written notice of same to April at
      April's Address for Service herein provided and this Agreement shall , in
      accordance with said Notice, be immediately suspended provided that ABFG
      shall be liable to April for all salaries of April employees directly
      performing services on behalf of ABFG for a period of THIRTY (30) days
      thereafter, the cost for all transportation in returning said employees to
      Canada, that all insurance programs in place for April employees shall be
      kept in good standing by ABFG for the duration of this Agreement's
      suspension and any costs attributable to ABFG incurred as at the date of
      Agreement Suspension by April shall be reimbursed April by ABFG.

4.2   This Agreement may not be suspended for any period of time in excess of
      six (6) calendar months from the date of Suspension Notice being posted by
      .ABFG subject to the provisions of paragraph 4.7 hereof.

4.3   Any periods of Agreement Suspension shall not increase the length of any
      Term or renewal term or affect in any manner whatsoever the dates on which
      this Agreement shall be renewed.

4.4   A period of Agreement Suspension shall end upon ABFG providing April with
      w7itten notice of same to April's Address for Service herein provided said
      written notice to specify the date, which shall not be less than FIFTEEN
      (15) days from April's receipt of said Notice, on which the Agreement
      Suspension shall end and a revised schedule of personnel requirements and
      schedules.

4.5   By way of example, and in no way to be construed as inclusive, examples of
      reasons which could lead AMERICAN BENEFITS GROUP, INC. to suspend it's
      Agreement with ABFG and hence ABFG to suspend the operation of this
      Agreement could include insurrection, riot, war, plague, uprising,
      climatic conditions or political and/or social unrest.

4.6   During the period of Agreement Suspension ABFG is not responsible to April
      for any payments of any kind or nature save and except for those payments
      noted in paragraph 4.1 hereof.

4.7   In the event that this Agreement is not reinstated within six (6) months
      then, and in that event this Agreement is at an end, of no further cause
      or effect as between the parties hereto and neither party shall make or
      advance any claim of any nature or kind against the other.

5.0   APRIL'S DUTIES

5.1   April shall provide qualified "supervisory personnel", as required by
      ABFG, in order for ABFG to fulfill it's agreements with third parties,
      including AMERICAN BENEFITS GROUP, INC., to supply such personnel to the
      third parties mine sites in the Democratic Republic of Madagascar and
      elsewhere.

5.2   April shall ensure that it's employees follow, abide and comply with all
      Rules and Regulations imposed by mine owners or ABFG on the respective
      mine sites and shall further ensure that it's employees obey all laws of
      the area in which their work duties may require their attendance.

5.3   April shall ensure that it's employees follow, abide and comply with all
      Rules and Regulations imposed by ABFG to govern the day- to -day
      operations of each respective mine site.

5.4   April shall ensure that it's employees comply with all laws, regulations
      and codes concerning safety standards howsoever established or in place
      during the progress of the work and agrees to stop any part of the work at
      a mine site or elsewhere until all corrective measures to ensure the
      safety of all employees of April or otherwise are carried out.

5.5   April agrees that it will maintain in good standing all required accounts
      with governmental Boards of Agencies and further, to make all deductions,
      contributions and payments of any kind required to be made by April or
      it's employees as required by any legislation in place and further agrees
      to hold ABFG harmless in the event of any non-payment of such accounts,
      deductions, contributions or payments.

5.6   April recognizes the extremely confidential nature of information coming
      to either it's or it's employees attention and to this end agrees with
      ABFG that ABFG has the right to conduct any and all security checks on any
      or all of April's employees working under this Agreement and that ABFG
      may, if it is of the reasonable belief that any of April's employees pose
      a reasonable security risk to either April, ABFG or a mine site owner that
      it may demand that said April employee not be employed at ABFG sites.

5.7   April shall carry, at it's own cost and expense, Comprehensive General
      Liability Insurance in an amount equal to at least THREE MILLION
      ($3,000,000.000) DOLLARS per occurrence which shall name ABFG as the first
      loss payable and further covenants and agrees to save and hold ABFG
      completely harmless from any cost or expense arising in favor of any third
      party whatsoever as a result of April's or any of it's employees, agents
      or representatives actions or inactions of any kind or nature whatsoever.

5.8   ABFG has approved the form of EMPLOYMENT AGREEMENT which April proposes to
      use for all employees to be working at ABFG sites, as attached hereto as
      Appendix A, and April agrees that prior to any substantial amendment to
      said agreements being implemented by April that April shall obtain the
      approval of ABFG to said amendments failing which the matter of the
      amendment shall be referred to Binding Mediation pursuant to paragraph 8.0
      hereunder the scope of the mediation to be solely whether it is reasonable
      for ABFG to not approve the proposed amendment having consideration to
      good business practice and ABFG's obligations to third parties including
      American Benefits Group, Inc...

5.9   April shall immediately and without fail notify ABFG, in writing, at
      ABFG's address for service hereunder of any circumstances known to April
      which may in any respect be detrimental to April, ABFG, ABFG's business,
      or any mine site owner on which April employees are working.

6.0   ABFG DUTIES

6.1   ABFG shall, in consideration for April providing the considerations noted
      inparagraph 5.0 hereunder:

      a)    pay to April the monies noted in paragraph 7.0 hereunder;

      b)    provide April and April's employees with such guidance and
            directions as are necessary for April to carry out it's duties
            hereunder;

      c)    supply all materials, equipment, supplies and tools as are
            reasonably required by April employees to perform the work required
            by ABFG.

7.0   ABFG PAYMENT TO APRIL

7.1   ABFG shall provide April with a deposit of FIVE THOUSAND ($5,000.00)
      DOLLARS to be credited to ABFG from future payments to be made to APRIL by
      ABFG and, on monthly payments to be made by ABFG to April will ensure that
      April has, at all times, FIVE THOUSAND ($5,000.00) DOLLARS in excess of
      ABFG's monthly payment on account to be credited to ABFG's next monthly
      payment to be made hereunder.

7.2   It is the intent of this Agreement that ABFG will pay to April each month,
      in advance and not in arrears, April's estimated costs and expenses (costs
      and expenses being defined in paragraph 11.0 herein) incurred as a direct
      or indirect result of this Agreement.

7.3   Direct costs and expenses shall be those expenses incurred by April
      relating only with respect to this particular Agreement and includes,
      without restricting the generality of the foregone all salaries, travel
      expenses and insurance obtained with respect to the employees or work
      sites pertaining to ABFG.

7.4   Indirect expenses shall be those costs and expenses incurred by April
      relating to those necessary expenses April incurs as a result of carrying
      on business and will be pro-rated between ABFG and other clients of April
      base on revenues invoiced all of April's clients for any respective month
      and shall include but not be limited to office rent, office insurance,
      basic communication expenses, accounting fees and the like.

7.5   All expenses, be they direct or indirect, shall be reasonable and in the
      event that the parties hereto cannot agree on the reasonableness of the
      expense, the extent to which the expense should be pro-rated or any other
      dispute concerning the expense then and in that event the issue shall be
      referred to binding Mediation pursuant to paragraph 8.0 herein.

7.6   In addition to the foregone reimbursement of expenses ABFG agrees to pay
      to April a monthly administration fee of TWO THOUSAND ($2,000.00) DOLLARS.

7.7   During the term and any renewal term of this Agreement April agrees that
      it shall actively seek out additional contracts with other entities so
      that ABFG's pro-rated share of indirect expenses is reduced.

7.8   On or before the 30th day of each and every month of the term or renewal
      term of this Agreement as the case may be April shall submit to ABFG an
      actual Statement of Expenditures for the immediately preceding month
      relating the direct and indirect costs and expenses paid by April to
      further ABFG's goals hereunder (inclusive of any pro-rated amounts)
      together with an estimate of said expenses to be incurred by April in the
      next second subsequent month.

7.9   Unless ABFG objects, within SEVEN (7) DAYS of it's receipt of April's
      Statement of Expenditures, to any of the costs or expenses noted in
      paragraph 7.8 herein ABFG shall, on or before the 30th day of the next
      month pay to April the entirety of April's said estimated expenses for the
      second subsequent month plus or minus a reconciliation of the Statement of
      Expenditures submitted to ABFG for the immediately preceding month (as at
      the date of April's submission of Statement of Expenditures to ABFG) it
      being agreed by and between the parties hereto that in the event that
      ABFGs reconciliation of April's estimated expenses differs from actual
      expenses in ABFG's favor that ABFG will be at liberty to deduct said
      overpayment from it's monthly remittance to April hereunder..

7.10  In the event that ABFG objects to any of April's actual expenditures made
      or estimated expenses to be made in the future on the basis that the
      expenses do not relate to ABFG business, are not accurate, are not
      properly pro-rated or for any other reason ABFG shall advise April of said
      objection, in writing to April's address for service hereinafter provided,
      within SEVEN (7) Days of it's receipt of April's Statement of Expenditures
      and that failing resolution of the issue either party may submit the issue
      to Mediation pursuant to paragraph 8.0 herein and the decision of the
      mediator will be binding on all parties hereto.

7.11  Upon approval of April's estimated expenses and Statement of Expenditures
      ABFG shall pay all sums owing to April by Wire Transfer to a Canadian
      Chartered Bank of April's choosing, the particulars of which will be
      supplied ABFG from time to time by April, all said funds to be received by
      April on or before the 5th business day of the month immediately
      subsequent to the date on which the expenses and expenditures were to have
      been received by ABFG or within THIRTY (30) days of ABFG's actual receipt
      of expense documentation from April in the event that April does not
      provide ABFG with the expense documentation on the 5th business days of
      the preceding month as noted in paragraph 7.8 hereunder..

7.12  April hereby grants ABFG the right to audit the books of April at any time
      to verify the expenses paid by-April on ABFG business or for any other
      purpose and in the event that the audit shows that the monies paid by ABFG
      to April exceed, by greater than ONE (1 %) PER CENT, the amount which
      ought to have been paid April by ABFG then and in that event April shall
      within FOURTEEN (14) DAYS of April being served with a true copy of the
      audit results either repay said sums to ABFG and ABFG's cost of performing
      the audit or submit the issue to binding mediation pursuant to paragraph
      8.0 hereafter...

8.0   MEDIATION

8.1   The parties hereto hereby agree each with the other that prior to either
      commencing an action in any Court against the other that they will submit
      the dispute to mediation pursuant to the Statutes of the Province of
      Alberta then in force.

8.2   The parties agree that the venue for said mediation will be the City of
      Calgary in the Province of Alberta.

8.3   Save and except where the contrary is specifically noted herein the
      mediated resolution shall not be binding upon the parties hereto and
      neither party shall disclose, refer or mention the mediation process at
      any subsequent Court process initiated.

9.0   ASSIGNMENT

9.1   April shall not, without the approval of ABFG first hand obtained assign
      it's interest or any portion thereof of this Agreement to any other party
      ABFG's approval to said assignment which may be unilaterally or
      unreasonably withheld.

9.2   ABFG shall be able to assign it's interest or any portion thereof of this
      Agreement to any other party by providing April with written notice of
      same at April's address for service hereinafter provided.

10.0  ADDRESS FOR SERVICE

10.1  April's address for service hereunder shall be:

      900, 840-7th Avenue S.W., Suite 952
      Calgary, Alberta
      T2P 3G2

10.2  ABFG's address for service hereunder shall be:

      900, 840 -7th Avenue S.W.
      Calgary, Alberta
      T2P 3G2.

10.3  Either party hereto may change it's address for service hereunder by
      causing the other to be served with notice of said change of address by
      prepaid registered post to the other's address for service either noted
      herein or which is amended pursuant to this paragraph 10.3.

11.0  MISCELANEOUS

11.1  The law of the Province of Alberta shall apply to this Agreement.

11.2  Each party hereto by their execution hereof covenants, warrants and agrees
      with the other that the entering of this agreement is a valid, proper and
      approved corporate action.

11.3  Each of the parties hereto agrees to abide by all laws whether enacted by
      the Province of Alberta or other jurisdiction in which the entity operates
      or carries on business.

11.4  It is agreed by the parties hereto that April and ABFG will cooperated
      each with the other in obtaining work Visa's and other like documents for
      April employees to work on ABFG projects in the Democratic Republic of
      Madagascar or elsewhere and to this end agree that it may be necessary for
      April employees to be assigned or seconded to other corporate entities in
      order for them to work on ABFG projects.

11.5  The venue for any civil action to be commenced by either party hereto
      against the other shall be the corporate residency of the Defendant party
      in the law suit but the laws of the Province of Alberta shall apply in all
      disputes between the parties hereto save and except that this agreement
      shall not be construed strictly against ABFG in any respect.

11.6  All references in this Agreement to dollars shall be CANADIAN DOLLARS.

11.7  For the purposes of this Agreement "expense" shall be defined at cost or
      calculated cost.

11.8  For the purposes of this Agreement "cost" shall be defined as an actual
      amount paid to an arm's length third party.

11.9  For the purposes of this Agreement "calculated cost" shall be defined as a
      calculation from assumptions u9ing costs as approved by ABFG.

11.10 For the purposes of determining expenses or costs to be pro-rated between
      ABFG and other clients of April it is expressly understood by and between
      the parties hereto that ABFG shall only be liable to April for a pro-rated
      amount if the expense or cost relates to April's performing duties for
      ABFG or in Aprils duties hereunder.

11.11 This Agreement is binding on all parties hereto, including their assigns
      thereunder and may only be amended in writing executed by both parties.

WHEREFORE THE PARTIES AGREE TO BE BOUND BY THE TERMS OF THIS AGREEMENT IN ALL
RESPECTS AS EVEIDENCED BY THEIR EXCUTION HERREOF AT THE CITY OF CALGARY, IN THE
PROVINCE OF ALBERTA THIS 17th DAY OF MARCH 1999.

AMERICAN BENEFITS GROUP, LTD.

Per: /s/ Jerry G. Mikolajczyk
    -------------------------------------
    Jerry G. Mikolajczyk
    President and Chief Executive Officer

APRIL MINING GROUP, LTD

Per: /s/ David Schafer
    -------------------------------------
     David Schafer
     President

                                       96

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