Document:

EXHIBIT 10.3

AGREEMENT (the "Agreement") dated as of November 22, 1999 by and among
INVESTAMERICA, INC., a Nevada corporation ("INVT"), OAKBAY TRADING LIMITED
(a BVI corporation to be re-named Optica Communications Group Inc., and
which shall hereinafter be referred to as "Optica"), and the shareholders
of Optica (collectively referred to herein as the "Optica Shareholders")

WHEREAS The Board of Directors of INVT and the Board of Directors of Optica
and the Optica Shareholders, respectively, deem it advisable and in the best
interests of INVT and Optica, and their respective shareholders that INVT
acquire Optica in exchange for a controlling interest in INVT upon the terms
and subject to the conditions of this Agreement.

Accordingly, the parties hereto hereby agree as follows:

1.	DEFINITIONS

1.1	Defined Terms. As used in this Agreement, the following terms have
the following meanings:

(a)	"Agreement": this Agreement, as amended, supplemented or otherwise
modified from time to time.

(b)	"Capital Stock": any and all shares, interests, participations or other
equivalents (however designated) of capital stock of a corporation, and
any and all equivalent ownership interests in a partnership or other
Person (other than a corporation).

(c)	"Closing": has the meaning set forth in Section 2.1.

(d)	"Contractual Obligation": as to any Person, any provision of any
agreement, instrument or other undertaking to which such Person is a
party or by which it or any of its property is bound.

(e)	"Convertible Securities": options, warrants, subscriptions or other
commitments or rights of any nature to purchase, or securities
convertible into or exchangeable for, Capital Stock.

(f)	"Exchange Act": the Securities Exchange Act of 1934, as amended from
time to time, and the regulations and rulings issued thereunder.

(g)	"Governmental Authority": any nation or government, any state or other
political subdivision thereof and any federal, state, county, local or
foreign entity or body exercising executive, legislative, judicial,
regulatory or administrative functions of or pertaining to government.

(h)	"INVT Common Shares": shares of voting Common Stock, par value $.001 per
share, of INVT.

(i)	"INVT Preferred Shares": 450,000 shares of Preferred Stock, par value
$.001 per share, of INVT, to be issued on Closing, each having attached
thereto the right of conversion into 185 INVT Common Shares.

(j)	"Lien": any mortgage, pledge, hypothecation, assignment, deposit
arrangement, encumbrance, lien (statutory or other), or preference,
priority or other security interest or agreement or preferential
arrangement of any kind or nature whatsoever (including, without
limitation, any conditional sale or other title retention agreement, any
financing lease having substantially the same economic effect as any of
the foregoing, and the filing of any financial statement under the
Uniform Commercial Code or comparable law of any jurisdiction in respect
of any of the foregoing).

(k)	"Optica Common Shares": shares of voting Common Stock without par value
of Optica.

(l)	"Person": an individual, partnership, corporation, business trust, joint
stock company, trust, unincorporated association, joint venture,
Governmental Authority or other entity of whatever nature.

(m)	"Requirement of Law": as to any Person, any law, treaty, rule or
regulation or determination of an arbitrator or a court or other
Governmental Authority, in each case applicable to or binding upon such
Person or any of its property or to which such Person or any of its
property is subject.

(n)	"SEC": the Securities and Exchange Commission.

(o)	"Securities Act": the Securities Act of 1933, as amended, and the rules
and regulations thereunder.

1.2	Other Definitional Provisions; Interpretation.

(a)	Unless otherwise specified therein, all terms defined in this Agreement
shall have the defined meanings when used in any certificate or other
agreement, instrument or document made or delivered pursuant hereto.

(b)	The words "hereof", "herein" and "hereunder" and words of similar import
when used in this Agreement shall refer to this Agreement as a whole and
not to any particular provision of this Agreement, and Section and
Schedule references are to this Agreement unless otherwise specified.
(c)	The headings in this Agreement are included for conveniences of
reference only and shall not in any way affect the meaning or
interpretation of this Agreement.

(d)	The meanings given to terms defined herein shall be equally applicable
to both the singular and plural forms of such terms.

2.	THE ACQUISITION

2.1	Closing.   The acquisition described herein shall be consummated at a
closing (the Closing) to take place at the Offices of INVT or at such other
place as may be agreed by the parties.  The Closing shall take place on
November 22, 1999 or as soon as practicable thereafter.

2.2	Transfer of Optica Common Shares.  Subject to the terms and conditions
of this Agreement, at the Closing the Optica Shareholders will transfer all of
the issued and outstanding Optica Common Shares (being 45,000 Common Shares)
to INVT in exchange for 450,000 INVT Preferred Shares such that each Optica
Shareholder shall receive 10 INVT Preferred Shares for each Optica Common
Share held by it.

3.	CONVERSION OF INVT PREFERRED SHARES INTO INVT COMMON SHARES

3.1	Conversion Right.  On Closing, each INVT Preferred Share shall be
convertible into 185 INVT Common Shares.

3.2  Procedure for Exercise of Conversion Right.  The Conversion Right
shall be exercisable at any time following Closing and may be exercised
in respect of all or part of the INVT Preferred Shares.  The holder of
INVT Preferred Shares wishing to exercise its Conversion Right shall
deliver to INVT written notice of such exercise indicating the number
of INVT Preferred Shares that it wishes to convert, together with stock
certificates, duly endorsed, representing such INVT Preferred Shares.
Upon delivery of such notice and surrender of such stock certificate,
new stock certificates representing INVT Common Shares shall be issued
to the holder within ten (10) days.

3.3	No Fractional Shares.  No certificates or scrip for fractional INVT
Common Shares will be issued pursuant to the Conversion Right.  Fractional
INVT Common Shares that would otherwise be issuable shall be rounded upward or
downward to the nearest whole share (with fractions of .5 or higher being
rounded upward).

3.4 Adjustments Upon Changes in Capitalization.  Subject and pursuant to the
provisions of this Section 3.4, the number of INVT Common Shares subject
to the Conversion Right shall be subject to adjustment from time to time
as set forth hereinafter:

3.4.1 If INVT shall at any time subdivide its outstanding shares of Stock by
recapitalization, reclassification or split-up thereof, or if INVT shall
declare a stock dividend or distribute INVT Common Shares to its
shareholders, the number of INVT Common Shares subject to the Conversion
Right immediately prior to such subdivision, stock dividend or
distribution shall be proportionately increased, and if INVT shall at
any time combine the outstanding INVT Common Shares by recapitalization,
reclassification or combination thereof, the number of INVT Common
Shares subject to the Conversion Right immediately prior to such
combination shall be proportionately decreased.  Any such adjustment
pursuant to this Section 3.4 shall be effective at the close of business
on the effective date of such subdivision of combination or, in the case
of any adjustment which is the result of a stock dividend or
distribution, the effective date for such adjustment shall be the record
date therefor.

3.4.2	In case of any reclassification of the outstanding shares of Stock,
other than a change covered by Section 3.4.1 hereof or which solely affects
the par value of INVT Common Shares, or in the case of any merger or
consolidation of INVT with or into another company (other than a merger or
consolidation in which INVT is the continuing company and which does not
result in any reclassification or capital reorganization of the outstanding
INVT Common Shares), or in the case of any sale or conveyance to another
company of the property of INVT as an entirety or substantially as an entirety
in connection with which INVT is dissolved, the holders of INVT Preferred
Shares shall have the right thereafter to receive upon the exercise of the
Conversion Right, for the same INVT Preferred Shares deliverable hereunder
immediately prior to such event, the kind and amount of shares of Capital
Stock or other property receivable upon such reclassification, capital
reorganization, merger or consolidation, or upon the dissolution following any
sale or other transfer, by a holder of the number of INVT Common Shares
obtainable upon exercise of the Conversion Right immediately prior to such
event; and if any reclassification also results in a change in INVT Common
Shares covered by Section 3.4.1, then such adjustment shall be made pursuant
to both Section 3.4.1 and this Section 3.4.2.  The provisions of this Section
3.4 shall similarly apply to any successive reclassification, capital
reorganization, merger, consolidation, sale or other similar transaction.

4.	REPRESENTATIONS AND WARRANTIES OF OPTICA

	Optica and the Optica Shareholders hereby represent and warrant to INVT
that, except as disclosed on any Schedule:

4.1	Organization of Optica.  Optica is a corporation duly organized, validly
existing and in good standing under the laws of BVI and has the corporate
power and lawful authority to own, lease and operate its assets, properties
and business and to carry on its businesses in all material respects as now
being conducted.

4.2	Authority.  Optica and the Optica Shareholders have all requisite power
and authority to execute, deliver and perform this Agreement and Optica has
taken all necessary corporate action to authorize the execution, delivery and
performance by it of this Agreement and to consummate the transactions
contemplated by this Agreement.  This Agreement (i) has been duly executed and
delivered by Optica and the Optica Shareholders, and (ii) constitutes legal,
valid and binding obligations of Optica and the Optica Shareholders
enforceable against Optica and the Optica Shareholders in accordance with its
terms, except as such enforceability may be limited by applicable bankruptcy,
insolvency, reorganization, moratorium or similar laws affecting creditors'
rights generally or by principles governing the availability of equitable
remedies.

4.3	Capitalization.  Optica's authorized Capital Stock consists of
50,000,000 Optica Common Shares, of which 45,000 are issued and outstanding as
of the date of this Agreement.  Prior to Closing, no additional shares of
Optica Capital Stock or Convertible Securities to acquire Optica Capital Stock
may be issued.  No other class of Capital Stock of Optica is authorized or
outstanding.  All of the issued and outstanding Optica Common Shares are duly
authorized and are legally and validly issued, fully paid and nonassessable.

4.4	Optica Convertible Securities.  There are no outstanding Convertible
Securities to acquire any Capital Stock of Optica from Optica or from any of
the Optica Shareholders, except pursuant to the Conversion Right contemplated
by this Agreement.  No shares of Capital Stock of Optica are reserved or set
aside as treasury shares for any purpose and no shareholder of Optica has
preemptive rights.  There are no voting trusts or other agreements or
understanding with respect to the voting of shares of any class of Capital
Stock of Optica.

4.5	Subsidiaries.  Optica Communications Inc., a British Columbia
corporation, is a wholly owned subsidiary of Optica.  Optica has no other
subsidiaries and Optica is not a party to any partnership or joint venture
agreement or arrangement or owns any equity interest in any other corporation,
partnership or other entity.

4.6	Charter Documents.  Optica has made available to INVT true, correct and
complete copies of the corporate charter documents of Optica and its
subsidiary, Optica Communications Inc., and all amendments thereto as of the
date hereof (collectively the "Optica Charter Documents").

4.7	No Conflicts.  Neither the execution and delivery of this Agreement, nor
the consummation of any of the transactions contemplated hereby, conflict with
or will conflict with or has resulted or will result in the breach of or
violation of any of the terms or conditions of, or constitute (or, with notice
or lapse of time or both, would constitute) a default or result in the
acceleration of any material obligation of Optica under: (i) any Optica
Charter Documents; or (ii) any Requirement of Law or Contractual Obligation of
Optica and will not result in, or require, the creation of imposition of any
Lien on any of its assets, properties or revenues pursuant to any such
Requirement of Law or Contractual Obligation.

4.8	Permits.  Optica has all licenses, permits, orders, authorizations,
notifications and approvals of any Governmental Authority material to the
conduct of its business as presently conducted.

4.9	No Consents.  No consent, approval, order or authorization of, or
registration, declaration or filing with, any Governmental Authority or any
other Person is required in connection with the execution, delivery or
performance of this Agreement by Optica and the consummation by Optica of any
of the transactions contemplated hereby.

4.10	Litigation.  Optica is not a party to, nor, to its knowledge, threatened
with, any litigation or judicial, administrative or arbitration proceeding or
investigation.  There is no dispute with any Person under contract with Optica
which has a material adverse effect on Optica, or is reasonably likely to have
a material adverse effect on Optica.

4.11	Liabilities.  As at the date of this Agreement, Optica did not have any
material direct or indirect indebtedness or liabilities accrued, absolute, or
contingent (and likely of occurring) or otherwise, whether or not of a kind
required by United States Generally Accepted Accounting Principles to be set
forth, accrued, reserved for or reflected in a financial statement ("Optica
Liabilities"), except Optica Liabilities incurred in the ordinary course of
business or in connection with this Agreement.

4.12	Employee Benefit Plans.  There are no written or oral pension, profit
sharing, retirement, deferred compensation, stock purchase, stock option,
incentive compensation, bonus, vacation, severance, sickness or disability,
hospitalization, individual and group health and accident insurance,
individual and group life insurance or other material employee benefit plans,
programs, commitments or funding arrangements maintained by Optica, to which
Optica is a party, or under which Optica has any obligations, present or
future.

4.13	Potential Conflicts of Interest.  No officer, director or shareholder of
Optica:  (i)  owns, directly or indirectly, any interest in (excepting not
more than 5% stock holdings for investment purposes in securities of publicly
held and traded companies) or is an officer, director, employee or consultant
of any entity which is a competitor, lessor, lessee, customer or supplier of
Optica; (ii) has any interest, direct or indirect, in any material property or
assets of Optica (except in his capacity as a shareholder of Optica); (iii)
owns directly or indirectly, in whole or in part, any material copyright,
trademark, trade name, service mark, franchise,  patent, invention, permit,
license, secret or confidential information of the nature requiring a license
for use by Optica which Optica is using or the use of which is necessary for
the business of Optica; or

iv) has any material cause of action or other claim whatsoever against, or
owes any material amount to, Optica.

4.14	Opportunity to Investigate.  Each of the Optica Shareholders and Optica
(i)  has had an opportunity to ask questions concerning INVT and all such
questions posed have been answered to its satisfaction; (ii) has been given an
opportunity to obtain any additional information it deems necessary to verify
the accuracy of any information obtained concerning INVT; and (iii) has such
knowledge and experience in financial and business matters that it is able to
evaluate the merits and risks of entering into this Agreement and consummating
the transactions contemplated herein.

4.15	Accredited Investor.  Each of the Optica Shareholders is an "accredited
investor" as such term is defined in Regulation D under the Securities Act.

4.16	Investment Intent.  Each of the Optica Shareholders who exercises the
Conversion Right will acquire the INVT Common Shares thereunder for its own
account for the purpose of investment and not with a view to, or for sale in
connection with, the distribution thereof, and it will not acquire the INVT
Common Shares with the intention of distributing or selling such shares.  The
Optica Shareholders understand that the INVT Common Shares have not been
registered under the Securities Act, or the securities laws of any state or
other jurisdiction, and hereby agrees not to make any sale, transfer or other
dispositions off such INVT Common Shares unless either (i) such INVT Common
Shares have been registered under the Securities Act and all applicable state
and other securities laws and any such registration remains in effect or (ii)
registration is not required under the Securities Act or applicable state
securities laws with respect to such sale, transfer or other disposition.

4.17	Full Disclosure.  None of the information supplied or to be supplied by
Optica for inclusion in the documents to be prepared in connection with the
transactions contemplated by this Agreement including, without limitation, (i)
documents to be filed with the SEC, including the Registration Statement and
(ii) filings pursuant to any Sate securities and blue sky laws, will, in the
case of the Registration Statement (as defined in Section 6.6) at the time of
the mailing thereof, and in the case of other documents at the time such
documents are filed with any federal or state regulatory authority, contain or
will contain any untrue  statements of a material fact or omit to state any
material fact necessary in order to make the statements therein not misleading
(or, in the case of the Registration Statement, in order to make the
statements therein, in light of the circumstances under which they were made,
not misleading).

5.	REPRESENTATIONS AND WARRANTIES OF INVT.

INVT hereby represents and warrants to Optica and the Optica Shareholders
that, except as disclosed on any Schedule:

5.1	Organization of INVT.  INVT is a corporation duly organized, validly
existing and in good standing under the laws of the State of Nevada and has
the corporate power and lawful authority to own, lease and operate its asset,
properties and business and to carry on its business in all material respects
as now conducted.  INVT is publicly trading on the NASD-OTCBB Exchange under
the symbol INVT.

5.2	Authority.  INVT has all requisite corporate power and authority to
execute, deliver and perform this Agreement, and has taken all necessary
corporate action to authorize the execution, delivery and performance by it of
this Agreement, and to consummate the transactions contemplated by this
Agreement.  This Agreement has been executed and delivered by INVT and
constitutes legal, valid and binding obligations of INVT, enforceable against
INVT in accordance with its terms, except as such enforceability may be
limited by applicable bankruptcy, insolvency, reorganization, moratorium or
similar laws affecting creditors' rights generally or by principles governing
the availability of  equitable remedies.

5.3	Capitalization.  On the date hereof, INVT's authorized Capital Stock
consists of  50,000,000 INVT Common Shares, of which 17,480,000 shares are
issued and outstanding as of the date hereof and 5,000,000  shares of
Preferred Stock, par value $.001 per share, none of which is outstanding.  On
Closing the number of issued and outstanding INVT Common Shares will not
exceed 20,480,000.  INVT has no treasury shares outstanding.  No other class
of Capital Stock of INVT is authorized or outstanding.  All of the issued and
outstanding INVT Common Shares are duly  authorized and are legally and
validly issued, fully paid and non-assessable.  The INVT Preferred Shares and
the INVT Common Shares issued puursuant to the Conversion Right will be
validly issued, fully paid, non-assessable shares free and clear of all Liens.

5.4	INVT Convertible Securities.  There are no outstanding Convertible
Securities to acquire any Capital Stock of INVT from INVT or, to INVT's
knowledge, from any of the shareholders of INVT except pursuant to the
Conversion Right contemplated by this Agreement; (b) no shares of Capital
Stock of INVT are reserved or set aside as treasury shares for any purpose and
no shareholder of INVT has preemptive rights; and (c) there are no voting
trusts or other agreements or understanding of which INVT has knowledge with
respect to the voting of shares of any class of Capital Stock of INVT.

5.5	Subsidiaries.  INVT has no subsidiaries and INVT is not a party to any
partnership or joint venture agreement or arrangement or owns any equity
interest in any other corporation, partnership or other entity.

5.6	Charter Documents.  INVT has made available to Optica and the Optica
Shareholders true, correct and complete copies of the Articles of
Incorporation, by-laws, and all amendments thereto as of the date hereof.

5.7	No Conflicts.  Neither the execution and delivery of this Agreement, nor
the consummation of any of the transactions contemplated hereby, nor the
issuance or delivery of the INVT Common Shares by INVT in the Conversion Right
pursuant to this Agreement conflict with or will conflict with or has resulted
or will result in the breach of or violation of any of the terms or conditions
of, or constitute (or, with notice or lapse of time or both, would constitute)
a default or result in the acceleration of any material obligation of INVT
under: (i) the articles of incorporation or by-laws of INVT; or (ii) any
Requirement of Law or Contractual Obligation of INVT and will not result in,
or require, the creation of imposition of any Lien on any of its assets,
properties or revenues pursuant to any such Requirement of Law or Contractual
Obligation.

5.8	Permits.  INVT has all licenses, permits, orders, authorizations,
notifications and approvals of any Governmental Authority material to the
conduct of its business as presently conducted.

5.9	No Consents.  Except for applicable requirements of the Nevada corporate
laws, the Securities Act, the Exchange Act, NASD and state securities or blue
sky laws, no consent, approval, order or authorization of, or registration,
declaration or filing with, any Governmental Authority or any other Person is
required in connection with the execution, delivery or performance of this
Agreement by INVT, the consummation by INVT of any of the transactions
contemplated hereby or thereby or the issuance or delivery of INVT Common
Shares under the Conversion Right pursuant to this Agreement.

5.10	Litigation.  INVT is not a party to, or to its knowledge, threatened
with, any material litigation or judicial, administrative or arbitration
proceeding or investigation.  There is no dispute with any Person under
contract with INVT which has a material  adverse effect on INVT, or is
reasonably likely to have a material adverse effect on  INVT.

5.11	Liabilities.  As at the date of this Agreement, INVT did not have any
material direct or indirect indebtedness or liabilities accrued, absolute, or
contingent (and likely of occurring) or otherwise, whether or not of a kind
required by United States Generally Accepted Accounting Principals to be set
forth, accrued, reserved for or reflected in a financial statement ("INVT
Liabilities"), except INVT Liabilities incurred in the ordinary course of
business or in connection with this Agreement.

5.12	Employee Benefit Plans.  There are no written or oral pension, profit
sharing, retirement, deferred compensation, stock purchase, stock option,
incentive compensation, bonus, vacation, severance, sickness or disability,
hospitalization, individual and group health and accident insurance,
individual and group life insurance or other material employee benefit plans,
programs, commitments or funding arrangements maintained by INVT, to which
INVT is a party, or under which INVT has any obligations, present or future.

5.13	Opportunity to Investigate.  Subject to its continuing right of due
diligence investigation of Optica, INVT (i) has had an opportunity to ask
questions concerning Optica and all such questions posed have been answered to
its satisfaction; (ii) has been given an opportunity to obtain any additional
information it deems necessary to verify the accuracy of any information
obtained concerning Optica; and (iii) has such knowledge and experience in
financial and business matters that it is able to evaluate the merits and
risks of entering into this Agreement and consummating the trans-actions
contemplated herein.

5.14	Investment Intent.  INVT is acquiring the Optica Common Shares at the
Closing for its own account for the purpose of investment and not with a view
to, or for sale in connection with, the distribution thereof, and it has no
present intention of distributing or selling such Optica Common Shares.  INVT
understands that the Optica Common Shares have not been registered under the
Securities Act, or the securities laws of any state or other jurisdiction, and
hereby agrees not to make any sale, transfer or other disposition of such
Optica Common Shares unless either (i) such Optica Common Shares have been
registered under the Securities Act and all applicable state and other
securities laws and any such registration remains in effect or (ii)
registration is not required under the Securities Act or applicable state
securities laws with respect to such sale, transfer or other disposition.

5.15	Full Disclosure.  None of the information supplied or to be supplied by
INVT for inclusion in the documents to be prepared in connection with the
transactions contemplated by this Agreement including, without limitation, (i)
documents to be filed with the SEC, including the Registration Statement, (ii)
filings pursuant to any State securities and blue sky laws, will, in the case
of the Registration Statement at the time of the mailing thereof, and in the
case of other documents at the time such documents are filed with any federal
or state regulatory authority, contain or will contain any untrue statements
of a material fact or omit to state any material fact necessary in order to
make the statements thereon not misleading (or, in the case of the
Registration Statement, in order to make the statements therein, in light of
the circumstances under which they were made, not misleading).

6.	COVENANTS AND AGREEMENTS

The parties covenant and agree as follows:

6.1	Directors of INVT.  At any time following the Closing, upon written
notice to INVT, the Optica Shareholders, so long as they collectively are
beneficial owners of at least fifty percent (50%) of the issued and
Outstanding INVT Common Shares, or have the right collectively pursuant to the
Conversion Right to acquire at least such amount, shall have the right to
designate up to four directors of INVT.  Upon receipt of such notice, INVT
shall take any and all steps required to cause such designees to be nominated
for election.

6.2	Brian Kitts.  Following Closing, Brian Kitts shall remain a director for
at least one year from the date of Closing and each of the Optica
Shareholders, to the extent it owns INVT Common Shares agrees to vote such
shares in favour of Brian Kitts as a director during the said one-year period.

6.3	Officers of INVT.  Following the Closing, INVT's President and CEO shall
be Douglas Smith and its Treasurer and Secretary shall be Brian Kitts.

6.4	Corporate Examination and Investigations.  INVT shall continue to afford
to the Optica Shareholders, directly or through representatives, the
opportunity to make such reasonable investigation of the property and plant of
INVT as are reasonable and appropriate for them to make a decision with
respect to exercising the Conversion Right.  In order that the Optica
Shareholders may have full opportunity to make such business, accounting,
regulatory and legal review, examination or investigation, INVT shall furnish
the Optica Shareholders until such time that the Conversion Right is exercised
in full, all such information as the Optica Shareholders may reasonably
request and cause its officers, employees, consultants, accountants and
attorneys to cooperate fully with them in connection with such review and
examination and to make full disclosure of all material facts affecting such
party's financial condition, regulatory affairs and business operations.

6.5  Cooperation in Preparing SEC Reports and Filings.  The parties agree
that they and each of them will assist and cooperate fully with each other
in the prompt preparation and filing of any applications, approvals,
consents or similar documents necessary or advisable in connection with the
transactions contemplated hereunder or under any qualifications under state
securities laws, which are required for the proper and effective consummation
of the transactions provided for in this Agreement and for the future business
operations of INVT and Optica.  The Optica Shareholders hall also provide such
assistance and cooperation with respect to the preparation and filing by INVT
of all other proxy statements, reports and filings that are required by a
reporting company under the Exchange Act.

6.7  Registration Statement.  As soon as practicable after execution of
this Agreement, INVT shall file with the SEC a registration statement on
Form 10 (the "Registration Statement") to register the Common Stock of INVT.
The parties hereto agree to fully cooperate in connection with the
preparation and filing of the Registration Statement.  Without limiting the
generality of the foregoing, each of Optica, INVT and the Optica Shareholders
agrees to furnish, and to cause its independent public accountants and
attorneys to furnish, INVT's and Optica's counsel and accountants, as the
case may be, promptly with such information as they may reasonably request
in order to complete the preparation and filing of the Registration Statement,
and any amendments thereto.

6.7	Further Registrations.  INVT shall file in a timely manner all such
Registration Statements as may be necessary to register the Common Stock of
INVT acquired pursuant to the Conversion Right.

6.8	Issuance of Capital Stock.  Neither Optica nor INVT shall issue, commit
to issue, redeem or purchase, or amend the terms of, any of its Capital Stock
or Convertible Securities after the date hereof and prior to the Closing,
except that INVT may issue such additional INVT Common Shares as will increase
the total issued and outstanding INVT Common Shares on Closing to not more
than 20,480,000.

6.9	Financing of Start-Up Costs.  INVT will undertake to maintain at least
$250,000 to finance the start-up costs of Optica (less any amounts previously
advanced).

6.10	Implementation of Business Plan.  Upon receipt of the financing referred
to in Section 6.9, Optica will undertake fo develop and implement the business
described in its business plan dated April 15, 1999.

6.11	Further Assurances.  Each of the parties shall execute such documents
and other papers and take such further action as may be reasonably required or
desirable to carry out the provisions of this Agreement and the transactions
contemplated hereby.  Each party shall use its best efforts to fulfill or
obtain the fulfillment of the conditions to the Closing.

7.	MISCELLANEOUS

7.1	Broker.  Each of the parties represents and warrants to the other that
no broker, finder or other financial consultant has acted on their or its
behalf in connection with the negotiation and execution of this Agreement.
Each such party agrees to indemnify and save the other harmless from any claim
or demand for commission or other compensation by any broker, finder,
financial consultant or similar agent not so disclosed claiming to have been
employed by or on behalf of such party, and to bear the cost of legal expenses
incurred in defending against any such claim.

7.2	Schedules and Exhibits.  The Schedules and Exhibits to this Agreement
are part of this Agreement as if set forth in full herein.

7.3	Notices.  Any notice or other communication required or which may be
given hereunder shall be in writing and shall be delivered personally,
telegraphed or telecopied, or sent overnight delivery by FedEx or UPS or sent
by certified or registered mail, postage prepaid, and shall be deemed given
when so delivered personally telegraphed or telecopied or if sent by FedEx or
UPS, one business day after the date of mailing, or if sent by certified or
registered mail, four business days after the date of mailing, as follows (or
to such other address as any party may from time to time specify in writing
pursuant to the notice provisions hereof):
(i)	if to Optica to:
      Euro-American Building , R.G. Hodge Plaza, 3rd floor, Wickhams Cay 1,
      Road Town, Tortola, British Virgin Islands

(ii)	if to the Optica Shareholders, to:
    	Suite 61, Grosvenor Close, Shirley Street, PO Box N7521, Nassau, New
      Providence, Bahamas

(iii)	if to INVT, to:
     	1776 Park Avenue, Unit 4, Park City, Utah 84060

7.4	Entire Agreement.  This Agreement (including all Schedules and Exhibits
hereto and all agreements or covenants contained therein) contains the entire
agreement among the Parties with respect to the Acquisition contemplated under
Section 2 and the Conversion Right contemplated under Section 3, and all
transactions related thereto, and supersedes all prior agreements or
understandings, written or oral, with respect thereto.

7.5	Waivers and Amendments.  This Agreement may be amended, modified,
superseded, cancelled, renewed or extended, and the terms and conditions
hereof may be waived, only by a written instrument signed by the Parties or,
in the case of a waiver, signed by the party waiving compliance.  No delay on
the part of any party in exercising any right, power or privilege hereunder
shall operate as a waiver thereof, nor shall any waiver on the part of any
party of any right, power or privilege hereunder, nor any single or partial
exercise of any right, power or privilege hereunder, preclude any other or
further exercise thereof or the exercise of any other right, power or
privilege hereunder.  The rights and remedies herein provided are cumulative
and are not exclusive or any rights or remedies that any party may otherwise
have at law or in equity.

7.6	Governing Law.  This Agreement shall be governed by and construed in
accordance with the laws of the State of Nevada, without giving effect to the
choice of law principles thereof.

7.7	No Assignment.  This Agreement is not assignable except by operation of
law.

7.8	Variations in Pronouns.  All pronouns and any variations thereof refer
to the masculine, feminine or neither singular or plural, as the identity of
the person or persons may require.

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

7.10	Severability.  If any one or more of the provisions of this Agreement is
held invalid, illegal or unenforceable, the remaining provisions of this
Agreement shall be unimpaired, and the invalid, illegal or unenforceable
provision shall be replaced by a mutually acceptable valid, legal and
enforceable provision which comes closest to the intent of the parties.

7.11	Binding Effect.  This Agreement shall be binding upon and inure to the
benefit of the parties and their respective successors and legal
representatives and permitted assigns.

IN WITNESS WHEREOF, this Agreement has been duly executed and delivered
by the duly authorized officers of the corporate parties hereto on the date
first above written.

INVESTAMERICA, INC.		                   		OPTICA SHAREHOLDERS:

                                          RUSSELLS SYSTEMS LIMITED
----------------------------------
By: Brian Kitts, President
		                                        ------------------------------
                                          By:
OAKBAY TRADING LIMITED
          	                              	CRYSTSAL MARRIOTT S.A.

-----------------------------------       ------------------------------
By:                                       By:

                                          WINJOY SERVICES CENTRE LIMITED

                                          ------------------------------
                                          By:

                                          VIRGIL SECURITIES S.A.

                                          ------------------------------
                                          By:Lessor : Leon Bankier                              Subject Property:
-----------------------------------------------------------------------

Commercial lease
----------------

THIS COMMERCIAL LEASE, hereafter referred to as the "Lease" executed
this 6th day of August, 1999 between Leon Bankier, hereinafter referred
to as "Lessor" and Hawaiian Vintage Chocolate Company, Inc. hereinafter
referred to as "Lessee".

<PAGE> 35

WITNESSETH:

Lessor for and in consideration of the rent herein to be paid by lessee,
and in consideration of the covenants herein to be kept and performed by
Lessee, does hereby lease and demise unto Lessee the following described
premises, situated lying and being in Champaign County, State of Illinois
for the term of three years beginning on the 1st day of September,1999 and
ending on the 31st day of August 2002.

Location of Premises:

Lessee will yield and pay to Lessor the following rentals: $2,500.00 per
month for the year of this lease, totaling a first year 's rental of
$30,000.00 (approximately $15.50 per sq.ft.gross). Each subsequent year
will be adjusted upward on the anniversary of lease commencement by 4% or
by the Consumer Price Index, (as published in the most recent Wall Street
Journal), whichever is higher. Rental payments are due on the first day
of each month, in advance, payable to: Leon Bankier, 410- East Green St.
Champaign, IL., or to any other location specified by Lessor. Hawaiian
Vintage may terminate the lease with a six-month notice at any time after
the first anniversary. HVC will pay a six month penalty upon early
termination.

Option to Extend: Lessee shall have the option to extend the original term
of this lease for an additional term of six years, with two consecutive
three year options, by giving to Lessor written notice of the intention to
extend at least six months prior to the expiration of the original term of
this lease or any option period. All terms and conditions of the original
lease, including annual increases, would still apply during the options.

Use of Premises: The premises hereby leased shall be used and occupied by
the Lessee and the Lessee's employees for the business of: all types
of food products, excluding products served by competing restaurant
businesses; Bagelmans, Chinese, Thai and or Japanese.  HVC may also sell
non-alcoholic beverages, apparel, gift books, gift baskets, candies and
confections, nutritional supplements, internet time and custom gifts, and
shall conduct the business during all usual working hours for related
business activities, excepting therefrom periods when prevented by acts of
God or other causes beyond the control of Lessee.

Lessee may not assign Lessee's interest in this lease, nor sublet the whole
or any part of the demised premises, nor shall the same be used for any
other purpose without first having obtained the written consent to such
assignment or reletting, or to such change of purpose of the use of the
demised premises, from Lessor. If Lessor shall consent to the assignment
of this Lease or to a subletting of all or a part of the demised premises,
no further assignment or subletting shall be made without written consent
of the Lessor first being obtained. Lessor's consent will not be unreasonably
withheld.

Lessee and Lessor, where applicable, agree to keep, conform to and abide by
each and every of the following which are hereby made conditions of this
Lease:

1. Lessee will not permit or allow any noise, disturbance or nuisance
whatsoever in the demised premises detrimental to same or annoying to the
other adjoining properties. Lessee acknowledges that the demised premises
have been received in thoroughly good order, tenable condition and repair,
of which the execution of this Lease, and taking possession thereunder
shall be conclusive evidence; and that no representation except as may be
attached hereto or set forth herein, as to the condition of the demised
premises have been made by Lessor or Lessor's agents. No obligations,

<PAGE>
<PAGE> 36

except as may be attached hereto or set forth herein, as to the repairing,
adding to, or improving the demised premises have been assumed by Lessor.
No oral arrangements have entered into consideration of making this Lease
and said Lease contains a full statement of the obligations of both parties
hereto. Lessee shall not allow any waste or nuisance of the demised
premises or use or allow the premises to be used for any unlawful purposes.

2. Lessor, or lessor's agent, may at any reasonable time enter and view
the demised premises, and make repairs, if Lessor should elect to do so.

3. If Lessee (1) shall not pay the rents herein reserved at the time and
in the manner stated, or (2) shall fail to keep and perform any other
condition, stipulation or agreement herein contained, on the part of the
Lessee to be kept and performed, or if Lessee (3) shall suffer to be filed
against Lessee an involuntary petition in bankruptcy, or (4) shall be
adjudged a voluntary or involuntary bankrupt, or (5) make an assignment for
the benefit of creditors, or (6) should there be appointed a receiver to
take charge of the demised premises either in the State Courts, or in the
Federal Courts, then, in any of such events, Lessor may, at Lessor's option
and upon proper notice, terminate and end this Lease and re-enter upon the
demised premises whereupon the term hereby granted and, at Lessor's option
, all right, title and interest under it shall end and Lessee shall become
a tenant at sufferance; or else Lessor may at Lessor's option, and upon
proper notice, elect to declare the entire rent for the balance of the
term, or any part thereof, due and payable forthwith and may proceed to
collect the same by distress or otherwise, and thereupon said term shall
terminate, at the option of Lessor, or else upon proper notice, Lessor may
take possession of the demised premises and rent the same for the account
of Lessee, the exercise of any of which options herein contained shall not
be deemed to be Lessor's exclusive remedy. The phrase "entire rent for
the balance of the term" as used herein, shall mean all of the fixed rental
with Consumer Price Index adjustments to that date, required to be paid by
Lessee to Lessor for the full term of the Lease, less, however, any
payments that shall have been made on account of and pursuant to the terms
of the Lease.

4. The Lessee covenants that all personal property placed on the premises
shall be at the risk of the Lessee, and the Lessor shall not be liable for
any damage to the property or person at any time in the Leased premises or
in said building from gas, electricity, water, rain, whether they may leak
into, issue or flow from any part of said building, or from the pipes or
plumbing works of the same or from any other place or quarter, or
irrespective of the foregoing, for any damage from any cause, whether or
not any such damage may result from any act of omission or commission by
any of the Lessor's agents, employees, servants or contractors. The Lessee
shall give the Lessor, or to its agent, prompt written notice of any
accident to or defect in, the water pipes, gas pipes, warming apparatus or
electric wires, and the same will be remedied by the Lessor with due
diligence, subject to the provisions of paragraphs #11 and #12.

5. Lessee shall indemnify and save harmless Lessor from and against any
and all claims, suits, actions, damages, or causes of action arising during
the term of this Lease and any renewals and extensions thereof, for any
personal injury, loss of life, damage to property sustained in or about the
demised premises, or otherwise resulting from Lessee's occupancy thereof
(except those matters which Lessor has obligations or any liability under
this Lease, including without limitation thereof the negligence of Lessor
by acts of commission or omission.)

6. This Lease shall be subject and subordinate to any mortgage or deed of
trust on the property, or which may hereafter be made on account of any
future loan to be placed on the property by Lessor to the full extent of

<PAGE> 37

any debts and charges secured thereby; and to any renewals and extensions
of all or any part thereof, which Lessor may hereafter, at any time, elect
to obtain. Lessee agrees, upon request to hereafter execute any paper or
papers which council for the Lessor may deem necessary to accomplish that
end, and in default of Lessee's so doing, Lessor is hereby empowered to
execute such paper or papers in the name of Lessee and as the act and deed
of Lessee, and this authority is declared to be coupled with an interest
and not revocable.

7. Lessee will use the demised premises in conformity with all laws and
ordinances and fire regulations now or hereinafter applicable, and will
exercise all reasonable care in the use of parking areas and which may be
necessary for the preservation of the property of Lessor and the comfort of
the other tenants.

8. Lessee, without the expressed written consent of the Lessor, shall make
no improvements whatsoever to the premises. Any building code change that
may be required during the course of such improvements will be made at the
expense of the Lessee. Lessee shall make no agreements, improvements, or
take part in any dealings whatsoever which might lead to the filing of a
mechanic's lien against the demised premises or the property, and nothing
in this paragraph or in any other part of this Lease shall be construed so
as to mean that Lessee shall have the right or obligation to make any
improvements to the demised premises, or have done any other work to the
demised premises, or have furnished any materials to the demised premises
which would subject the interest of Lessor to any lien, mechanics or
otherwise. Lessor will tile floor with terre cotta tile, and will do all
neccessary preparation to floor level.

9. Lessor agrees to insure the property at his own expense, keep the
demised premises insured against loss or damage by fire, together with
extended coverage to the extent of the insurable value thereof. Lessee
agrees that during the term hereof he will at his own expense, carry Owners
Landlord and Tenant Public Liability Insurance in minimum liability amount
of $100,000/$300,000 naming Lessor as additional insured thereunder, such
company to be approved by the Lessor or its agent. Any additional
insurance premium that Lessor may have to pay, due to premises being
classified as a "restaurant" or other high-risk business, will be
reimbursed to Lessor by Lessee when premium is due. Lessee must purchase
his own plate glass and flood insurance.

10. Lessee further agrees that if any property owned by Lessee and located
in the demised premises shall be damaged or destroyed by any insured
peril, Lessor shall not have any liability to Lessee nor to any insurer of
Lessee, for or in respect of such damage or destruction and Lessee shall
require all policies of risk insurance carried by lessee under this Lease
to contain or be endorsed with a provision in and by which insurer
designated therein shall waive its rights of subrogation against Lessor.

11. Lessee will keep in good condition during the continuation of the
term herein described the interior of the demised premises, and every part
thereof, including the plumbing, doors and windows, air conditioning and
heating and will keep the same in good, sound, clean condition and repair,
ordinary wear or other Act of God alone excepted, and will not suffer or
permit any strip or waste of the demised premises.

12. The Lessor covenants to keep the said building in good structural
repair, so far as concerns the Lessor, except, as herein otherwise
provided, but no liability to the Lessor shall accrue under this covenant
until after the Lessee has given reasonable notice in writing to the Lessor
or its agent of the specific repairs which are so required to be made.
Nothing herein contained shall affect the so required repairs to be made.

<PAGE> 38

Nothing herein contained shall affect the liability of the Lessor in case
of the destruction of the building or the demised premises or injury to the
same by fire or other cause. The Lessor shall provide at its own expense
the following services: the Lessor shall be responsible for roof and other
structural repairs not occasioned by the Lessee's negligence.

13. All notices required to be given under this Lease to Lessor shall be
given at the mailing address of Leon Bankier, 410 East Green Street,
Champaign, Illinois, or at such other place as the Lessor shall from time
to time specify, by written notice to Lessee, mailed to:4614 Kilauea
Avenue, Suite 435, Honolulu, Hawaii 96816, or at such other places as
Lessee shall specify by written notice to Lessor. Any such notice properly
mailed by United States registered or certified mail, postage and fees
prepaid, shall be deemed delivered when mailed.

14. Time is of the essence of this Lease and this applies to all terms and
conditions contained herein.

15. The failure of Lessor to insist upon strict performance or observance
of one or more of the covenants or conditions hereof or to exercise any
remedy, privilege or option herein conferred upon or reserved to Lessor,
shall not operate or be construed as a relinquishment or waiver for the
future of such covenant or condition or the right to enforce the same or to
exercise such privilege, option, or remedy, but the same shall continue in
force and effect. The receipt by Lessor of rent, or additional rent or any
other payment required to be made by Lessee, or any part thereof, shall not
be waiver of any other additional rent or payment then due, nor shall such
receipt, though with knowledge of the breach of any covenant or condition
hereof, operate as or be deemed to have made unless made by Lessor, in
writing. No surrender of the demised premises for the remainder of the
term hereof shall be valid unless accepted by Lessor in writing.

16. The Lessor may encumber the premises by mortgage or mortgages,
securing each sum or sums and upon such terms and conditions as the Lessor
may desire, and any such mortgage or mortgages so given shall be a first
lien on the land and buildings superior to the rights of the Lessee herein.
The Lessor may further sell the premises and assign its right as Lessor in
this lease without first notifying Lessee.

17. The undersigned Lessee further agrees to pay reasonable attorney's
fees should it become necessary for the Lessor or its agent, Miriam Booth,
to secure the services of an attorney to enforce any of the provisions of
this Lease, whether it was necessary for the attorney to institute legal
action or enforce the terms of the Lease without the institution of a
legal action, such as the necessity of a demand letter from an attorney.
(Fees shall include legal service, court costs, etc., comprising any and
all of Lessor's additional expenses to recover moneys due.)

18. All sums of money required to be paid by the Lessee to the Lessor
shall bear interest from due date, or maturity thereof, at the rate of
eighteen percent(18%) per annum until paid, which interest shall be due
and payable to the Lessor upon its written demand.

19. In case of injury to the demised premises or appurtenances by fire or
other cause, the Lessee shall give immediate notice thereof to the Lessor.
If the demised premises shall be damaged by fire or other cause without
the fault or neglect of the lessee, or the agents, clerks, servants or
visitors of the Lessee, the injury shall be repaired at the expense of the
Lessor as speedily as possible after such notice. If, without such fault
or neglect, the demised premises shall be rendered untenable by the
elements or any other cause, the rent shall cease until the same shall be
repaired as aforesaid. If without such fault or neglect, the building

<PAGE> 39

shall be destroyed as to require rebuilding, the rent shall be paid up to
the time of such destruction and from thenceforth this Lease shall cease
and come to an end. No compensation or claim will allowed by the Lessor by
reason of inconvenience, annoyance, or injury to business arising from the
necessity of repairing any portion of the building or its plant or
appurtenances, however the necessity may occur.
20. It is further understood and agreed that any signs or advertising to
be used including awnings in connection with the premises leased thereunder
shall be first submitted to the Lessor for approval before installment of
same. Also, the Lessee shall be responsible for interior maintenance of
the demised premises, including the maintenance of all lighting, plumbing,
heating and air conditioning equipment and plate glass. Lessee shall be
responsible for all interior remodeling, redecorating, painting, and
maintenance.

21. The Lessee agrees that he will pay all charges for rent, gas,
electricity, or other illuminations, sanitary district and for all water
used on said premises or any other expenses Lessee may incur or contract.

22. The terms "Lessor", "Lessee" and "Assignor" as herein contained shall
include singular and plural, masculine, feminine and neuter, heirs,
successors, personal representatives and assigns whenever the context so
requires or admits.

23. A security deposit equal to one month's rent shall be paid to Lessor
by Lessee upon execution of this Lease. In addition the first month's rent
shall also be paid to Lessor upon execution of this Lease. Release of the
security deposit is subject to the following provisions: The full term of
rental agreement has expired; no damage to property beyond normal wear and
tear; no unpaid late charges; no unpaid utility bills; no unpaid rent.
Security shall be held by owner in a non-interest bearing account at owners
bank. Security will be refunded no later than fifteen (15) days after
premises have been vacated in clean and satisfactory condition; ordinary
wear and tear excepted.

IN WITNESS WHEREOF, the parties hereto have caused these presents to be
signed, sealed and delivered on the day and year first above written.

/s/ MIRIAM BOOTH                                     Aug 6, 1999
---------------------------                       ------------------
Leon Bankier, Lessor                                    Date
By: Miriam Booth, his Agent

Lessee: Hawaiian Vintage Chocolate Co., Inc.         Aug 6, 1999
        ------------------------------------      ------------------
                                                        Date

By:     /s/ ANTHONY ROTH
        ------------------------------------
        Anthony Roth

<PAGE>

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