Document:

EXHIBIT 10.9

                     BUSINESS CONSULTANT SERVICES AGREEMENT
                     --------------------------------------

THIS AGREEMENT is made as of the 2nd day of January 2004, (the Effective Date").

BETWEEN:

             Savoy  Capital  Investments,  Inc., a company  incorporated
             pursuant  to the laws of the State of Nevada with a mailing
             address of 18826 Pagentry Place, Monument, Colorado  80132
             (the "Company")

                                                               OF THE FIRST PART

AND:

             Art Charpentier
             #9 - 5389 Vine Street
             Vancouver, B.C. V6M 3Z7
             (the "Consultant")

                                                              OF THE SECOND PART

WHEREAS

     A.   The Company is engaging the Consultant to provide the services
          contemplated by this Agreement.

     B.   The Consultant has agreed to provide the services on the terms and
          subject to the conditions of this Agreement.

NOW THEREFORE THIS AGREEMENT WITNESSES THAT in consideration of the premises and
mutual covenants contained in this Agreement and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties, intending to be legally bound hereby, agree as follows:
<PAGE>

1. CONSULTANT SERVICES

The Consultant will provide the following services to the Company as consulting
services:

     (a)  The Consultant will assist the Company with the preparation and proper
          maintenance of the Company's account books.

     (b)  The Consultant will prepare and assist with the preparation and
          presentation of the Company's required unaudited quarterly financial
          statements in a timely manner, and assist with the preparation of the
          Company's annual financial statement(s);

     (c)  The Consultant will assist the Company with maintaining the security
          of all internal corporate records pursuant to the preparation and
          proper maintenance of all account books.

     (d)  The Consultant will assist the Company with the preparation of all
          necessary communications and responses to communications with the
          Company's auditors and assist the Company with the preparation of all
          necessary communications and responses with regulatory agencies where
          such communications and responses are within the scope of services
          contemplated by this Agreement;

     (e)  The Consultant will also perform additional duties and
          responsibilities to the Company at the reasonable instruction of the
          President of the Company or his designee, provided that such
          additional duties and responsibilities are within the scope of
          services contemplated by this Agreement.

The Consultant will not engage in any activity that will interfere or conflict
with the Consultant's duties and responsibilities to the Company or that
interfere or conflict with the business and objectives of the Company.

The Consultant will not make any misrepresentation of the Company or its
business, operations or financial condition to any party in the performance of
the services required by this Agreement.

2. RENUMERATION

     (a)  The Consultant will be paid a monthly fee of US$1000.00 for the
          services to be provided in accordance with this Agreement.

     (b)  The monthly fee will be increased to US$1,250.00 per month as of April
          1, 2004 and will reviewed annually.

          (i)  Shares or Options: subject to compliance with all applicable
               state and federal laws and securities regulations, the Consultant
               shall receive 40,000 of the Company's shares 90 days after the
               Effective Date of this Agreement;

<PAGE>
These shares will be "restricted shares" as that term is defined in Rule 144 of
the General Rules and Regulations under the Securities Act of 1933.

This share issuance shall be protected against dilution in the case of a reverse
or forward split.

3. EXPENSES

The Consultant will be paid for all expenses and other disbursements to be
reasonably incurred on behalf of the Company in providing the services incurred
in accordance with this Agreement, including, mailing, and long distance
telephone costs, travel expenses if required, other communication costs and
other sundry expenses incurred in the ordinary course of business. The
Consultant will not incur any expense(s) over the amount of US$100.00 without
the prior written consent of the Company. Upon receipt of the Consultant's
expense reports with supporting receipts, the Consultant will be reimbursed for
those disbursements reasonably made on behalf of the Company within 7 business
days of receipt of the expense report.

4. REPORTING PROCEDURE

The Consultant will take directions from the President of the Company or his
designee as to the functions, requirements for reporting and methods of
implementation in order to achieve the corporate goals that fall within the
scope of services contemplated by this Agreement

5. TERM

This term of this Agreement will expire on December 31, 2004.

The Consultant or the Company may terminate this Agreement with 30 days notice
or at any time in the event of any breach of any material term of this Agreement
by the other, provided that written notice of default has been delivered to the
other party and the other party has failed to remedy the default within 7 days
of the date of delivery of notice of default.

On termination of this Agreement for any reason, all rights and obligations of
each party that are expressly stated to survive termination or continue after
termination will survive termination and continue in full force and effect as
contemplated in this Agreement.

6. CONFIDENTIAL INFORMATION

Except as contemplated by this Agreement, the Consultant agrees not to disclose
to any person any confidential information concerning the business or affairs of
the Company which the Consultant may have acquired in the course of or
incidental to providing the services required by this Agreement and the
Consultant will not directly or indirectly use (whether for its own benefit or
the detriment or intended detriment of the Company) any confidential information
it may acquire with respect to the business and affairs of the Company. All
obligations with respect to confidential information will survive termination.
<PAGE>

The Consultant will coordinate with the President of the Company or his designee
as to the information regarding the business and affairs of the Company that may
be disclosed by the Consultant in the provision of the services required by this
Agreement. The Consultant will not disclose any more information than that
approved by the President of the Company or his designee.

Additionally, the Consultant will maintain in a secure location, all Company
records, receipts, bank statements and other documents received within the scope
of services contemplated by this Agreement and will return said documents to the
Company immediately upon the request of the President of the Company or his
designee.

7. INDEMNIFICATION

The Company agrees that if the Consultant is made a party, or is threatened to
be made a party, to any action, suit or proceeding, whether civil, criminal,
administrative or investigative (a "Proceeding"), by reason of the fact that he
is or was a director, officer or employee of the Company or is or was serving at
the request of the Company as a director, officer, member, employee or agent of
another corporation, partnership, joint venture, trust or other enterprise,
including service with respect to employee benefit plans, whether or not the
basis of such Proceeding is the Consultant's alleged action in an official
capacity while serving as a director, officer, member, employee or agent, the
Consultant shall be indemnified and held harmless by the Company to the fullest
extent legally permitted or authorized by the Company's Articles of
Incorporation or Bylaws or resolutions of the Company's Board of Directors or,
if greater, by the laws of the State of Colorado, against all cost, expense,
liability and loss (including, without limitation, attorneys' fees, judgments,
fines, taxes or other liabilities or penalties and amounts paid or to be paid in
settlement) reasonably incurred or suffered by the Consultant in connection
therewith, and such indemnification shall continue as to the Consultant even if
he has ceased to be a director, member, employee or agent of the Company or
other entity, with respect to acts or omissions which occurred prior to his
cessation of employment with the Company, and shall inure to the benefit of the
Consultant's heirs, executors and administrators. The Company shall advance to
the Consultant all reasonable costs and expenses incurred by him in connection
with a Proceeding within 20 calendar days after receipt by the Company of a
written request for such advance. Such request shall include an undertaking by
the Consultant to repay the amount of such advance if it shall ultimately be
determined that he is not entitled to be indemnified against such costs and
expenses.

Neither the failure of the Company (including its board of directors,
independent legal counsel or stockholders) to have made a determination prior to
the commencement of any proceeding concerning payment of amounts claimed by the
Consultant that indemnification of the Consultant is proper because he has met
the applicable standard of conduct, nor a determination by the Company
(including its board of directors, independent legal counsel or stockholders)
that the Consultant has not met such applicable standard of conduct, shall
create a presumption that the Consultant has not met the applicable standard of
conduct.
<PAGE>

The Company agrees to initiate and maintain a liability insurance policy
covering the Consultant to the extent the Company provides such coverage for its
executive officers.

8. GENERAL PROVISIONS

     (a)  The Consultant will at all times be an independent contractor and the
          Consultant will not be deemed to be an employee of the Company. The
          Consultant will be responsible for payment of any income taxes, source
          deductions, withholding taxes, fringe benefits, insurance and similar
          items resulting from the payment of the Consultant Fee.

     (b)  This Agreement shall be governed by and interpreted in accordance with
          the laws of the State of Nevada.

     (c)  This Agreement shall inure to the benefit of, and be binding upon, the
          parties hereto and their respective heirs, executors, administrators,
          successors and assigns. This Agreement is not assignable by the
          Consultant without the prior written consent of the Company, which
          consent may not be unreasonably withheld.

     (d)  Time shall be of the essence of this Agreement.

     (e)  This Agreement constitutes the entire Agreement between the parties
          hereto and there are no representations, warranties, terms or
          conditions, expressed or implied, statutory or otherwise and no
          agreements collateral hereto other than or expressly set forth or
          referred to herein.

                       This Space Intentionally Left Blank

<PAGE>
IN WITNESS WHEREOF, the undersigned have hereunto executed the Agreement on the
date set forth above.

Savoy Capital Investments, Inc.,

/s/ Floyd Wandler
-----------------
On Behalf of the Board
Floyd Wandler, President
Savoy Capital Investments, Inc.,

Consultant

/s/ Art Charpentier
-------------------
Art Charpentier

<PAGE>EXHIBIT 10.10

                              CONSULTING AGREEMENT

     THIS CONSULTING AGREEMENT (the "Agreement") is entered into on February 3,
2004, by and between Savoy Capital Investments, Inc., a Colorado corporation
whose U.S. executive offices are located at 18826 Pagentry Place, Monument,
Colorado 80132 (the "Company"), and Mr. Andrew N. Peterie, Sr., whose address is
1440 Allen Lane, Tatum, Texas 75691 (the "Consultant").

     WHEREAS, the Company desires to accomplish a smooth transition from a
small, publicly-traded mortgage company headed by the Consultant to a mining and
gemstone exploration, development and production company with operations in
Madagascar, China and elsewhere whose securities are widely-held.

     WHEREAS, the Consultant has specialized knowledge of the Company's
operations during the period from October 1998 through the date of his
resignation as an executive officer and director on January 2, 2004, and an
amicable relationship with the Company's U.S. shareholder base.

     WHEREAS, the Consultant has general knowledge of finance and management as
a result of his service as a member of management of a number of U.S. banking
institutions and general knowledge of U.S. capital markets and securities
regulations as a result of his founding and/or management of a number of
publicly-traded, U.S. corporations.

     WHEREAS, the Company recognizes that the Consultant can contribute to the
accomplishment of the transition described above and the ongoing management,
development and expansion of the Company.

     WHEREAS, the Company believes it to be important, both to the future
prosperity of the business and to the Company's general interest, to retain the
Consultant as a consultant to the Company and have the Consultant available to
the Company for consulting services in the manner and subject to the terms,
covenants and conditions set forth herein.

     WHEREAS, in order to accomplish the foregoing, the Company and the
Consultant desire to enter into this Agreement to provide certain assurances as
set forth herein.

     NOW, THEREFORE, in view of the foregoing and in consideration of the
premises and mutual representations, warranties, covenants, and promises
contained herein and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto, intending to
be legally bound hereby, agree as follows:

     1. Retention. The Company hereby retains the Consultant during the
Consulting Period (as defined in Section 2. below), and the Consultant hereby
agrees to be so retained by the Company, all subject to the terms and provisions
of this Agreement.

     2. Consulting Period. The Consulting Period shall commence on January 1,
2004, and terminate no earlier than June 30, 2004.

                                      -1-
<PAGE>
     3. Duties of Consultant. During the Consulting Period, the Consultant shall
use reasonable and best efforts to perform those actions and responsibilities
necessary to: (a) assist the Company in the accomplishment of a smooth
transition from a small, publicly-traded mortgage company to a mining and
gemstone exploration, development and production company with operations in
Madagascar, China and elsewhere whose securities are widely-held; and (b)
provide such advice and suggestions to management of the Company as may be
requested from time-to-time so as to assist in the management, development and
expansion of the Company. For purposes of this Section 3, such actions and
responsibilities shall include, but not be limited to, making available to the
new management of the Company the Consultant's specialized knowledge of the
Company's operations during the period from October 1998 through the date of his
resignation on December 31, 2003; acting as a liaison with regard to
communications between the Company and its U.S. shareholder base; and making
available to the Company the Consultant's general knowledge of finance,
management and U.S. capital markets and securities regulations gained as a
result of his prior service as a management member of U.S. banking institutions
and founder and/or manager of publicly-traded, U.S. corporations.

     The Consultant shall perform such services diligently and to the best of
his ability. The Consultant shall report to the President of the Company. The
Consultant shall give advice and present various suggestions to the Company;
however, the Company shall be under no obligation to accept such advice and
suggestions.

     4. Other Activities of Consultant. The Company recognizes that the
Consultant shall perform only those services that are reasonably required to
accomplish the goals and objectives set forth herein. The Consultant shall
provide services to other businesses and entities other than the Company. The
Consultant shall be free to, directly or indirectly, own, manage, operate,
control, finance, acquire or invest or participate in (collectively, be
"Affiliated" with) any business or enterprise engaged in any business,
including, but not limited to, any business that is the same as, substantially
similar to or otherwise competitive with, adverse or otherwise, related to the
Company. The Consultant may be Affiliated with any entity that may provide
services to the Company. In the event that the Consultant is Affiliated with any
entity that proposes to deal with the Company, Consultant shall disclose the
nature of such relationship to the Company prior to the Company making any
decision, and shall obtain the approval of the Company, which approval shall be
conclusively deemed granted upon written notice from the President of the
Company, or his, or the Company's, designated representative. The Company hereby
waives any conflict of interest that may arise from a relationship between the
Consultant and any entity with which the Consultant is Affiliated.

     5. Compensation. In consideration for the Consultant entering into this
Agreement, the Company shall pay the Consultant on the date of the execution of
this Agreement the sum of $35,000 by wire transfer to the attorney's (COLTAF)
trust account, number 825959843, of Patricia Cudd, Attorney at Law, at KeyBank,
N.A., Denver, Colorado.

     6. Termination. The Company may terminate the Consulting Period upon
written notice.

                                       -2-
<PAGE>
     7. Notice. Any notice required, permitted or desired to be given, pursuant
to any of the provisions of this Agreement, shall be deemed to have been
sufficiently given or served for all purposes if delivered in person or sent via
certified mail, return receipt requested, postage and fees prepaid, or by
national overnight delivery prepaid service to the parties at their addresses
set forth below. Any party hereto may, at any time and from time to time
hereinafter, change the address to which notice shall be sent hereunder by
notice to the other party given under this paragraph. The date of the giving of
any notice sent via mail shall be the day two days after the posting of the
mail, except that notice of an address change shall be deemed given when
received. The addresses of the parties are as follows:

         To the Company:                          To the Consultant:
         Savoy Capital Investments, Inc.          Andrew N. Peterie, Sr.
         18826 Pagentry Place                     1440 Allen Lane
         Monument, Colorado 80132                 Tatum, Texas 75691

     8. Waiver. No course of dealing, nor any delay on the part of either party
in exercising any rights hereunder, will operate as a waiver of any rights of
such party. No waiver of any default or breach of this Agreement or application
of any term, covenant or provision hereof, shall be deemed a continuing waiver,
or a waiver of any other breach or default or the waiver of any other
application of any term, covenant or provision.

     9. Transferability. This Agreement is not transferable by the Consultant,
since it requires the specific services of the Consultant, without the prior
written approval of the Board of Directors and the President of the Company.

     10. Survival of Terms. Notwithstanding the termination of this Agreement
for whatever reason, the provisions hereof shall survive such termination,
unless the context requires otherwise.

     11. Counterparts. This Agreement may be executed in two counterparts, each
of which shall be deemed to be an original, but both of which together shall
constitute one and the same instrument. Any signature by facsimile shall be
valid and binding as if an original signature were delivered.

     12. Captions. The caption headings in this Agreement are for convenience of
reference only, and are not intended, and shall not be construed, as having any
substantive effect.

     13. Governing Law. This Agreement shall be governed, interpreted and
construed in accordance with the laws of the State of Colorado applicable to
agreements entered into and to be performed entirely therein. Any suit, action
or proceeding with respect to this Agreement shall be brought exclusively in the
state courts of the State of Colorado or in the federal courts of the United
States, which are located in Denver, Colorado. The parties hereto hereby agree
to submit to the jurisdiction and venue of such courts for the purposes hereof.
Each party agrees that, to the extent permitted by law, the losing party in a
suit, action or proceeding in connection herewith shall pay the prevailing party
its or his reasonable attorney's fees incurred in connection therewith.

                                      -3-
<PAGE>
     14. Entire Agreement/Modifications. This Agreement constitutes the entire
agreement between the parties and supersedes all prior understandings and
agreements, whether oral or written, regarding the Consultant's retention by the
Company. This Agreement shall not be altered or modified, except in writing,
duly executed by the parties hereto.

     15. Warranty. The Company and the Consultant each hereby warrant and agree
that each is free to enter into this Agreement, that the parties signing below
are duly authorized and directed to execute this Agreement and that this
Agreement is valid, binding and enforceable against the parties hereto. The
parties further agree that they shall both use good faith efforts in their
performance of the covenants, conditions and obligations stated herein and any
failure to do so shall be a material breach of this Agreement.

     16. Severability. If any term, covenant or provision, or any part thereof,
is found by any court of competent jurisdiction to be invalid, illegal or
unenforceable in any respect, the same shall not affect the remainder of such
term, covenant, provision, any other terms, covenants or provisions or any
subsequent application of such term, covenant or provision, or portion thereof.
In lieu of any such invalid, illegal or unenforceable provision, the parties
hereto intend that there shall be added, as part of this Agreement, a term,
covenant or provision, as similar in terms to such invalid, illegal or
unenforceable term, covenant or provision, or part thereof, as may be possible,
and such similar term, covenant or provision shall be valid, legal and
enforceable.

     IN WITNESS HEREOF, the parties hereto have duly executed and delivered this
Agreement as of the day and year first written above.

SAVOY CAPITAL INVESTMENTS, INC.

By: /s/ Floyd Wandler                        /s/ Andrew N. Peterie, Sr.
    ------------------------------           -----------------------------------
        Floyd Wandler, President                 Andrew N. Peterie, Sr.

                                      -4-
<PAGE>

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