Document:

<PAGE>

                                                                 Exhibit 10.18

       Contract on the Transfer of Shanghai State-owned Land Use Right

        Shanghai Songjiang Fang Di (2000) Transfer Contract Zi No.114

      Shanghai Songjiang District Building and Land Administrative Bureau

                               December 28, 2000

       Contract on the Transfer of Shanghai State-owned Land Use Right

Transferor: Shanghai Songjiang District Building and Land Administrative Bureau
Legal representative: Fang Wu
(Hereinafter referred to as Party A)
<PAGE>

Transferee: OmniView Technology International Ltd.
Legal representative: Xiao Ying Hong
(Hereinafter referred to as Party B)

Under the precondition of observing the Administrative Rules of the People's
Republic of China on Urban Real Estate (hereinafter referred to as
Administrative Rules), Provisional Regulations of the People's Republic of China
on the Assignment and Transfer of State-owned Land Use Right in Cities and Towns
(hereinafter referred to as Regulation), Measures on the Transfer of Land Use
Right in Shanghai (hereinafter referred to as Measures), and the relevant
national and local laws and regulations by both parties, the contract is
concluded as follows:

Article 1  Party A transfers the Songkai land block No. III-11 located in
Shanghai Songjiang Industrial Zone in its present conditions, which covers the
total area of 41,564 m/2/. The area, location and bounds are indicated in the
diagram attached to the contract, and the diagram has been confirmed by
signatures of both party A and party B.

Party B obtains the land use right of the above land block for 50 years at the
transfer fee for land use right (hereinafter referred to as transfer fee) of USD
831,280 (Eight Hundred and Thirty-one Thousand Two Hundred and Eighty United
States Dollars).

Party B shall, within the land use term, pay the land use fee of RMB 1
yuan/m/2/ to party A every year.

Article 2  Party B shall, within 10 days from the date of signing the contract,
i.e. by January 7, 2001, make the payment of USD 80,000 (Eighty Thousand United
States Dollars) to party A as the deposit for ensuring the actual execution of
the contract. The said deposit constitutes part of the transfer fee.

Party B shall, within 60 days from the date of signing the contract, pay off the
remaining sum of the transfer fee USD 751, 280 (Seven Hundred and Fifty-one
Thousand Two Hundred and Eighty United States Dollars).

Article 3  Should party B fail to pay the transfer fee (including deposit, the
same below) as scheduled, party A enjoys the right to terminate the contract,
and may demand compensation for breach of contract; Party B has no right to
demand return of the transfer fee paid. If party B intends to defer payment of
the transfer fee, it shall make the written application prior to the payment
deadline as set forth in the contract. After approval by party A, the overdue
fine of 3% for breach of contract shall be charged per day.

Article 4  After party A receives all the transfer fees, and issues the relevant
receipt, party B shall, within 7 days, apply to Shanghai Real Estate Registry
Office for the primary registration of land use right, and Shanghai Real Estate
Registry Office shall, within 30 days from the date of accepting the
application, issue the Shanghai Real Property Right Certificate to party B.

In case party B fails to pay the fees as specified in the Agreement on
Construction of Complete Municipal Facilities as signed with Shanghai Songjiang
Export Processing Zone Administrative Committee, party A has the right to
terminate the contract, and the transfer fees paid shall not be returned.

Article 5  The document Shanghai Songjiang District Songkai Land Block No.
III-11 State-owned Land Use Conditions (hereinafter referred to as Land Use
Conditions)
<PAGE>

attached to the contract constitutes part of the contract, and enjoys equal
legal effect with the contract.

Article 6  For the land with the use right transferred, its ownership still
belongs to the People's Republic of China. The state and government enjoys
judicial jurisdiction, administrative power and other powers as endowed by law,
as well as the rights and interests necessary for the public interest.

Article 7  Shanghai Municipal People's Government reserves the urban planning
and design right for the land block. When the buildings constructed on the land
block according to the Land Use Conditions need reconstruction within the land
use term, or the application for the renewal of land use term is made after the
previous term expires, it shall be handled according to the plan effective at
the time, and the government shall hold no liability for damages with regard to
the effect brought to party B due to the change of plan.

Article 8  If party B requires to change the Land Use Conditions, it shall get
the approval of party A, and sign a supplementary contract, make up a deficiency
in transfer fee, and carry out the re-registration of the real estate.

Article 9  Within the land use term, party A enjoys the right by law to conduct
supervision and examination over the exploitation & utilization, transfer,
lease, mortgage and termination of the land use right for the land block
transferred.

Article 10  In case party A infringes upon the transfer contract , party B
enjoys the right to demand damages for the breach of contract.

In case party B infringes upon the transfer contract, party A enjoys the right
to request party B to make corrections within the specified period, and may,
according to the seriousness of the case, impose punishment of warning, fine,
and even taking back the use right for part or all of the land, as well as the
buildings and attachments for free.

Article 11  Only after more than 25% of the total sum for the development and
investment of building construction project (exclusive of transfer fee, project
expenses at earlier stages, and relocation compensation ) is accomplished on the
transferred land block under the contract, may the land use right be transferred
according to law. When the land use right is transferred by law, the succeeding
land user shall bear all the rights and obligations of party B.

The transferee and the investment proportion of the transferee shall not be
changed unless party B meets the provisions of the preceding paragraph in this
article. After signing the contract, party B may, after approval by the relevant
department, establish a company which is involved in the development and
construction of the project on the land block according to the related
regulations, and may, in the name of the company, carry out the formalities of
obtaining or changing the real property right certificate, and registering real
estate.

Article 12  When the land use right undergoes transfer, lease, mortgage and
inheritance by law, all the economic contracts, drawings, certificates, and the
documents that shall be registered according to the parties' opinion, relating
to the corresponding change of the property right of the buildings and
attachments on the land block, shall be subject to registration as prescribed in
law.

Article 13  In case disagreements arise in the enforcement of the contract,
party A and party B may settle it through negotiations; or the parties concerned
may bring the lawsuit to the court where the place of signing the contract is
located.
<PAGE>

Article 14  The term of validity of the contract extends from the date that
party A and party B signs the contract till the date of expiry of the land use
term as specified in the Shanghai Real Property Right Certificate of the land
block issued by Shanghai Building and Land Administrative Bureau.

Article 15  This contract and the attached document Land Use Conditions are of 8
pages in total, and are written in Chinese.

This contract shall not be altered.

The original of the contract is made in duplicate, with party A and party B
holding one each, and the two originals of the contract are of equal effect.
Article 16  The contract is officially signed in Shanghai, the People's Republic
of China on December 28, 2000.

<TABLE>
<S>                                                    <C>
Party A:   Shanghai Songjiang District                 Party B:   OmniView Technology
           Building and Land Administrative                       International Ltd.
           Bureau

Legal Representative or                                Legal Representative or
Entrusted Representative:                              Entrusted Representative:

Legal Address:     30, Guyang Rd. (N),                 Contact Address:     81, Rongle Rd. (E),
                   Songjiang District,                                      Songjiang Industrial
                   Shanghai                                                 Zone

Tel: 57820063                                          Contact Tel: 62812222

Fax: 57820906                                          Fax: 62812222
</TABLE>
<PAGE>

            Shanghai Songjiang District Songkai Land Block III-11

                       State-owned Land Use Conditions

The state-owned land use conditions for Songkai land block III-11 located in
Shanghai Songjiang Industrial Zone (hereinafter referred to as Land Use
Conditions) are stipulated as follows:

1.    Land Use Requirements:

1.1   Purpose of land: Class one industrial land.

1.2   Land use term: 50 years.

1.3   Construction density: not greater than 40%.

1.4   Capacity rate of construction: not greater than 10,000 m2/hectare (The
total construction area shall not exceed 41,564 m2).

1.5   Coverage rate of green area: not lower than 35%, of which the concentrated
green area shall not be lower than 15% of the total land area.

1.6   Garage: The parking berth shall be established for motor vehicles and
bicycles according to Shanghai Parking Area (Garage) Establishment
Standard.

1.7   The other planning parameters concerned shall be based on the planning
document approved.

1.8   The buildings within the land block shall meet the requirements of the
Technical Regulations on Shanghai Urban Planning and Administration.

1.9   The buildings on the land block transferred shall be constructed strictly
according to the above regulations and the project design drawings approved.
Party B shall, within 10 days prior to the start of the construction, submit a
set of project design drawings to party A for examination.

1.10  After the construction of the buildings on the land block transferred is
completed, party B shall notify party A to participate in the examination and
acceptance of the work.

1.11  When the land use right is recalled after the term expires, the land user
shall, on the date of expiry, carry out the formalities of returning the land to
party A.

1.12  If the land user intends to renew the land use term, it shall apply to
party A one year prior to the date of expiry. After being approved for renewal,
party B shall carry out the formalities for the transfer of land use right
again.

2.   Urban Construction and Administration Requirements

2.1  When it is related to the urban construction and administration such as
green area, the appearance of the city, environmental protection and hygiene,
fire protection and safety, traffic control, and design and construction, party
B shall abide by the relevant regulations of the country and Shanghai.

2.2  Party B shall allow the various pipes and pipelines laid by the government
for the purpose of public utilities to pass through the land block transferred.
If the buildings or other attachments on the land block transferred are damaged
due to the
<PAGE>

above operations, party B may demand damages from the competent
authorities according to law.

2.3  Party B shall guarantee the smooth entrance into the land block by the
government administrative, public security, fire control and first-aid
personnel, as well as the emergency appliances and vehicles involved in
emergency rescue or official business.

2.4  If the activities that party B conducts on the land block transferred
damages or destroys the surroundings and facilities, and brings loss to the
state or individual, party B shall hold liability for damages.

3.  Construction and Administration Requirements:

3.1  When party B fulfills the formalities for land transfer according to the
Agreement on the Construction of Complete Municipal Facilities as signed with
Shanghai Songjiang Export Processing Zone Administrative Committee, it shall
start construction and development of the land block as soon as possible, and
complete the construction by June 30, 2003.

3.2  Should party B fail to complete the construction by the deadline as
     specified in clause 3.1, it shall, at the latest 6 months prior to the
     date of expiry of the construction term, apply to party A for extension
     of construction term with sufficient reasons, and the extended term shall
     not exceed one year.

Apart from being approved by party A, starting from the expiry date of the
construction term as set forth in clause 3.1, till the date of completion of the
construction work specified, if the construction term is exceeded by less than 6
months, 1% of the total transfer fee shall be fined; if it is exceeded by more
than 6 months and less than 1 year, 3% of the total transfer fee shall be fined;
if it is exceeded by more than 1 year and less than 2 years, 7% of the total
transfer fee shall be fined; if the construction is not completed more than 2
years on top of the construction term, party A shall take back the land use
right of the land block, as well as all the buildings or other attachments on
the land block for free.

3.3  Party B shall not occupy the land beyond the range of the land block
     transferred with any reason without authorization. If it is necessary for
     temporary occupation, party B shall get the approval of the relevant
     department, and go through the procedures for examination and approval of
     the temporary land use as specified, and pay the fees incurred herein.
     Otherwise, it shall be dealt with as illegal occupation of land.

4.  Marking and Boundary Post Establishment :

4.1  Party A shall establish boundary posts at the inflection points of the land
block based on the red-line diagram of the land which is marked with
coordinates. Party B shall adopt effective protective measures with regard to
the boundary posts established by party A, to ensure that the above boundary
posts are not moved or damaged. If the above boundary posts are moved or damaged
within the land use term, party B shall promptly submit a written report to
party A, and apply for re-measurement and re-establishment of boundary posts.
<PAGE>

4.2  Party B shall be responsible for paying all the expenses incurred in the
re-measurement and re-establishment of boundary posts due to their missing,
damage and removal.

5.  Requirements for Municipal Facilities and Removal of Buildings:

5.1  Party B shall be responsible for the affairs involved in the construction
of basic municipal facilities for the land block and the related expenses.

5.2  Party B shall accomplish the removal of the existing buildings on the land
block transferred, and bear the expenses incurred herein according to the
Detailed Rules of Implementation on the Management of Removal of Urban Buildings
in Shanghai, and the Measures of Implementation.

5.3  When undertaking construction within the land block, party B shall fulfill
the application formalities with regard to the connection of the water,
electricity, gas facilities, sewage and rain water discharge facilities and
other facilities with the main pipelines for the main road beyond the land
block, and pay the fees incurred herein.

5.4  Party B or the project construction unit entrusted shall timely repair the
damage done to the open drain, waterway, cable, other pipeline facilities and
buildings in the neighboring areas due to construction, or undertake
reconstruction, and bear the fees incurred herein.

5.5  Party B shall, within the land use term, give proper protection to the
municipal facilities within the land block, shall not do damage to it,
otherwise, it shall bear all the expenses involved in the repair work.

6  Requirements for the Transfer, Lease and Mortgage of Land Use Right

6.1  When the construction meets the stipulations of Article 11 in this
contract, the land use right may be transferred together with the buildings on
the land block according to law, and taxes shall be paid according to the
Taxation Law of the People's Republic of China.

6.2  When the land use right is transferred by law, it shall be based on the
land block specified in the Transfer Contract as a unit, and shall not be
divided for transfer.

6.3  If the Transfer Contract and the Land Use Conditions are not observed in
the investment, development and utilization of the land, the land use right of
the land block shall not be transferred or leased.

6.4  The land use right of the land block can be mortgaged, however, prior to
the completion of the construction of buildings, the mortgage loans must be used
in the development and construction of the land block. After the construction
project as specified in clause 3.1 of the Land Use Conditions is completed, when
the land use right is mortgaged, the buildings and attachments on the land block
shall be mortgaged together with it. The interests of the mortgager and
mortgagee are protected by the Provisional Regulations of Shanghai for
Administration on Mortgage Loans in Foreign Exchange and the Provisional
Regulations of Shanghai for Administration on Mortgage Loans in Renminbi.

6.5  The sale, lease, gift or inheritance of buildings by floor (by suite) is
not restricted by clause 6.2, however, it shall be handled according to the
Measures, Measures of
<PAGE>

Implementation, and the rules of Shanghai Building and Land Administrative
Bureau.

Prior to the sale of the buildings by floor (by suite), party B shall draft the
plan and contract concerning the future use, management and maintenance of the
related buildings, and apply to party A for checking the proportion of land use
right corresponding to the floors (suites) of the buildings.

6.6  The companies, enterprises, other organizations and individuals within and
outside the territory of the people's Republic of China may, unless otherwise
specified in law, become the transferee of the buildings on the land block and
the related land use right.

6.7  When the buildings are leased, the lessor and lessee shall sign the lease
contract, making clear the lease relations, and the respective rights and
obligations, and be subject to the management by the relevant government
departments.

The lease contract shall be registered and filed with Shanghai Real Estate
Registry Office.

7. Requirements for Conservation, Maintenance, Renovation and Reconstruction of
Buildings

7.1  Party B shall, within the land use term, guarantee that all the buildings
constructed and to be constructed on the land block, and the related facilities
shall be in the sound, and practically operable conditions, and shall bear all
the expenses incurred herein.

7.2  Within the land use term, party B shall not, without the approval by party
A, demolish, renovate, or reconstruct the public facilities and buildings on the
land block.<PAGE>

                                                                     EXHIBIT 4.5

                          COMMERCIAL BANCSHARES, INC.

                 INCENTIVE STOCK OPTION PLAN FOR KEY EMPLOYEES

                           (Adopted August 27, 1992)

1. PURPOSE

   The purpose of the Plan is to provide an incentive, in the form of a
proprietary interest in the Corporation, to key employees who are in a position
to contribute materially to the successful operation of the business of the
Corporation, to increase their interest in the Corporation's welfare, and to
provide a means through which the Corporation can attract and retain employees
of outstanding abilities. This Plan is intended to meet the provisions of
Section 422 of the Internal Revenue Code of 1986, as amended.

2. DEFINITIONS

   As used in the Plan, "Corporation" means Commercial Bancshares, Inc. and its
subsidiary corporations designated by the Board of Directors of Commercial
Bancshares, Inc. to participate in the Plan; "Board of Directors" means the
Board of Directors of Commercial Bancshares, Inc.; "employee" means any officer
or key employee of the Corporation; "Director" means any full director, not
advisory, of the Corporation; and "fair market value" means the fair market
value of the stock at the time of the grant as determined (i) by the Board of
Directors, if there is no discernible market for the stock, (ii) the closing
bid price for the stock if traded over the counter, or (iii) the closing price
if traded on a national stock exchange.

3. STOCK OPTION COMMITTEE

   (a) The Stock Option Committee (the "Committee") shall consist of two or
more members of the Board of Directors. If any member of the committee is
eligible to receive a stock option, such member shall not be entitled to vote
on the motion to grant him/her the stock option.

   (b) The Committee shall determine the employees to whom options may be
granted and the number of shares to be subject to each option.

   (c) As and to the extent authorized by the Board of Directors, the Committee
may exercise the powers and authority vested in the Board of Directors under
the Plan.

4. TERMS OF OPTIONS

   The terms of each option granted under the Plan shall be determined by the
Board of Directors, consistent with the provisions of the Plan, including the
following:

     (a) The purchase price of the stock subject to option shall not be less
  than the fair market value of the stock on the date the option is granted,
  except that the purchase price shall not be less than 110% of the fair
  market value of the stock on the date the option is granted for an employee
  who owns ten percent (10%) or more of the stock of the Corporation at the
  time the option is granted.

     (b) Each option may be exercised in whole or in part from time to time
  during such period as the option shall specify, provided that no option
  shall be exercisable prior to one year nor after ten (10) years from the
  date of the grant thereof, except that any option granted to an employee
  who owns ten percent (10%) or more of the stock of the Corporation at the
  time the option is granted must be exercised within five (5) years of the
  date of grant.

     (c) Each option may provide for related stock appreciation rights.
<PAGE>

     (d) Each option may provide that the optionee shall represent at the
  time of each exercise of option or stock appreciation right that the shares
  purchased are being acquired for investment and not with a view to
  distribution thereof.

     (e) The purchase price of the shares with respect to which an option is
  exercised may be payable in full in cash or stock of the Corporation, or
  combination thereof, on such exercise. No fractional shares shall be
  issued.

     (f) An option or stock appreciation right shall not be assignable or
  transferable by the employee to whom granted otherwise than by will or by
  the laws of descent and distribution, and shall be exercisable, during
  his/her lifetime, only by him/her, except as provided in paragraph 7,
  hereof.

     (g) No person shall have the rights of a stockholder with respect to
  shares subject to an option, but shall have such rights only with respect
  to shares acquired on exercise of an option or stock appreciation right.

5. GRANTING OF OPTIONS

   (a) The Board of Directors may grant, from time to time, in accordance with
determinations of the Committee, options to employees to purchase shares of
common stock of the corporation under the Plan. Nonemployee Directors are not
eligible to receive options under the Plan. The total number of shares of stock
which may be purchased pursuant to options granted under the Plan shall not
exceed the number of authorized and unissued shares within the Corporation,
except as provided in Paragraph 8. They may consist in whole or in part of
unissued or reacquired shares. If for any reason (other than surrender of
option rights upon exercise of stock appreciation rights as provided in
Paragraph 6) shares as to which an option has been granted cease to be subject
to purchase thereunder, then such shares shall again be available for option
under the Plan.

   (b) Unless the Board of Directors votes to earlier discontinue the Plan, the
Plan shall terminate ten (10) years from the earlier of (i) the date the Plan
is approved by the stockholders or (ii) the date the Plan is adopted by the
Board of Directors of the Corporation.

6. STOCK APPRECIATION RIGHTS

   As the Board of Directors may determine, stock appreciation rights may be
granted in conjunction with all or any part of any option granted under the
Plan, either at the time of the option grant or at any time thereafter during
the term of the option. Stock appreciation rights shall entitle the optionee,
upon exercise of such rights, to surrender the related option, or any part
thereof, and to receive a payment equal to the excess of the fair market value,
on the date of such exercise, of the shares covered by such option, or part
thereof, over the option price of such shares. Upon exercise of a stock
appreciation right and surrender of the related option or part thereof, such
option, to the extent surrendered, shall not thereafter be exercisable.

   The payment contemplated by this Paragraph may be made in shares of common
stock of Commercial Bancshares, Inc. valued at fair market value on the date of
exercise, or in cash or partly in cash and partly in shares of common stock, as
the Board of Directors may determine. The shares of common stock covered by the
option, or part thereof, so surrendered shall again be available for option
under the Plan. Any shares of common stock delivered as payment upon any such
surrender may consist in whole or in part of unissued or reacquired shares and
shall not be charged against the number of shares of common stock available for
option under the Plan.

7. DEATH OR TERMINATION OF EMPLOYMENT

   (a) If an optionee dies his option may be exercised only within one year
from the date of death. If an optionee's employment by the Corporation is
terminated by the Corporation for cause, his option shall expire at
termination. If an optionee's employment by the Corporation is terminated other
than by death or for cause, his option may be exercised only within three
months from the date of termination of employment.

                                       2
<PAGE>

   (b) Notwithstanding any other provision hereof, an option may be exercised
pursuant to this Paragraph 7 only to the extent the optionee was entitled to
exercise the option by its terms at the time of termination of employment or
death and, in any event, may not be exercised after the expiration of ten (10)
years from the date of the grant thereof (five (5) years in the case of an
employee who was a ten percent (10%) or greater shareholder at the date of
grant).

8. ADJUSTMENTS UPON CHANGES IN STOCK

   If there shall be any change in or affecting the stock subject to the Plan,
or to any option granted thereunder, through merger, consolidation,
reorganization, recapitalization, stock dividend, stock split or combination,
the Board of Directors may make appropriate adjustments to the Plan including
but not limited to the aggregate number of shares subject to the Plan, the
number of shares and the price per share subject to outstanding options, and
assumption of old options or substitution of new options for old options,
regardless of whether the option price of any such option is less than the fair
market value of the subject shares.

9. FINALITY OF DETERMINATIONS

   The Board of Directors shall have the power to interpret the Plan. All
interpretations, determinations and actions by the Board of Directors or by the
Committee shall be final, conclusive and binding upon all parties.

10. AMENDMENT AND TERMINATION

   The Board of Directors shall have the power, in its discretion, to amend,
suspend or terminate the Plan or options or stock appreciation rights granted
under the Plan at any time. No amendment, suspension or termination of the Plan
or options granted under the Plan shall, except with the consent of the
optionee, adversely affect rights under an option previously granted; provided,
however, that any suspension or termination by the Board of Directors of a
stock appreciation right previously granted shall not be deemed to affect
adversely rights under an option previously granted.

11. EFFECTIVE DATE OF PLAN

   The Plan shall become effective upon approval by the stockholders of the
Corporation, which approval must be given within twelve (12) months before or
after the Plan is adopted by the Board of Directors of the Corporation.

                                       3

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