Document:

EXHIBIT 10.6

CREDIT LINE

HOLDER: ARROW CARS S.L.

C.IF. B92914282.

ADDRESS: AV. MIJAS 1, OFICINA 1. BENALMADENA. MALAGA 29630

(hereinafter the Client)

BANKINTER  S.A.  with  address  in Paseo de la  Castellana,  29,  registered  in
Madrid's  Companys House,  in Book 1.857,  Page 220, Sheet 9643, ID Tax Number A
28157360,  represented by ANNETTE KURZYNSKI, with ID number X6047215D and PALOMA
CHAVES PALOMA with ID number 52848877Y, signing this contract the holder and the
guarantor  mentioned  and before the Notary sign this  mercantile  contract that
will be ruled by the following

CONDITIONS

1ST. - CREDIT GRANTED. -

BANK, gives the client a loan for a maximum amount of 250.000,00  EUROS.  Within
the  limit  mentioned  the  client  will use the  credit  only for the  purposes
outlined  in the  application  thereof.  Any  movement  of the  credit  will  be
reflected in a current  account  opened in the name of the client,  whose number
matches the outlined at the  beginning of this contract  empowering  the BANK to
debit in the account agreed  commissions,  fees, taxes and any amount due by the
client.

1.2. USE OF CREDIT ACCOUNT. -

The client can use and cancel the credit account. The client may do all kinds of
banking transactions with debit and credit amounts on the Bank Account.

Consequently  they can issue  postdated  checks,  set direct debits,  payment of
payrolls and any operations it deems appropriate, all prior notice to the BANK.

The client  undertake to use only the checks provided by the BANK, being obliged
to issue the same with all the  requirements  of commercial and tax  legislation
and must be written and signed with  indelible  substances.  BANK  declines  any
responsibility for damages caused if the owner had not used such substances also
obliged to keep in safe locked checks received and, in case of theft or loss, to
formalize the police reporting and immediately notify to the BANK.

The  instructions  placed  by the  client  shall  indicate  the  concept  of the
transaction,  clear and precisely, not being forced the BANK to fill orders BANK
in its view, with sufficient data to guarantee their authenticity.

The  Client  authorizes  the BANK to  charge  in his  Credit  Account  checks or
postdated  checks  accepted by the client and served by other  entities  without
necessarily  be  accompanied  by such  documents,  subject to later  delivery or
justification.

The client may accept as  authorized  signature of another  person or persons by
letter,  together with a power of attorney if the client is a legal  person,  to
use the credit  account,  for and on behalf of those  entitled  to use it.  Such
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authorizations  remain valid while the bank does not receive certified notice of
changes in the  authorization  or they would not be  registered at the Company's
House.

2ND. - CUSTOMER DATA USE. -

In accordance with current  legislation,  the CLIENT and the guarantor,  in case
there is one,  authorize the  inclusion of their data at the Bank  Databases and
its / their automated treatment for commercial and operational purposes..

The client and guarantor have right of access,  rectification  and cancellation,
and accept their data may be transferred  for commercial and management to other
companies part of the Bank Company group or serving BANK.  These  companies that
are authorized to send information in relation any goods or services marketed or
marketable, being able to be revoked this authorization at any time.

3RD. - TERM AND EARLY TERMINATION. -.

The term of this  contract is  indefinite  from the date of this  policy.  While
either party can unilaterally cancel it, giving notice to the other with 30 days
notice.

The Bank  reserves  the right to,  once the  credit is  cancelled,  prevent  the
disposal  of any  amount to the  credit  facility,  accepting  no charge on this
account,  for any reason.  This  limitation  does not affect payments and income
made  ??before  the due  expiry  has  been  communicated.  This  faculty  may be
exercised by the Bank since,  under the  preceding  paragraph,  notify the other
party the expiry date of the loan.

4TH. - INTERESTS. -

Any interests,  agreed commissions, or any other costs due by the client will be
considered  charges  in the credit  account.  It will be  considered  income any
payment into the credit account.

4.1.  The  annual  interest  rate  for the bank  will be the sum of the  initial
reference index and the differential:

Initial reference index: 0,75%

Differential interest: 2,50%

Thus the initial interest rate applicable to this loan is: 3,25%

4.2.  During the term of this  contract the reference  index is average  Euribor
over  three-months  published  daily  by the  European  Banking  Federation  for
deposits in Euros over three months,  calculated by European Banking  Federation
of the rates offered by a sample of banks for operations of similar rating Banks
and disseminated by Reuters on its Web EURIBOR.

If this  interest  rate  cease to exist or was not  possible  to  calculate  the
interest, making impossible the use of it, the new interest rate will be the new
interbank rate applicable in Spain.

In case this interest rate does not exist,  the new base rate to be applied will
consist in a basic index of  reference,  calculated  with the simple  arithmetic
average of the  preferential  interest rates  published by SA BBVA,  BSCH SA and
BANCO POPULAR S.A., or any entity  resulting from the merger or consolidation of
the same, corresponding to the previous month of the review plus three per cent.
In the absence of publication of the indexes by one of them, the  publication of
the two remaining will be used, or the remainder, in case.

4.5.  Working  days will be  considered  that have such  character in the Madrid
Interbank Market.

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4.6. In case of  variation  BANKINTER  will notify the Client the new  reference
rate,  according to the  provisions  of the previous  paragraphs,  the resulting
interest rate and its effective date by letter,  to the address provided in this
contract and / or publication in any Journal.

Also will be valid,  notification  via telephone,  fax or computer when the Bank
and the Client have agreed these communication channels.

According to the Rules 6 and 8 of Rule 8/1990 of the Bank of Spain, the Bank may
change the interest rate  applicable to this  transaction,  after complying with
the  requirements and conditions set forth in each Rule.  BANKINTER  communicate
the  reference  rate  and  date of  validity  by  letter  or by  publication  in
newspapers.

4.7. In the event the client does not accept the reference rate,  within 15 days
from  the  validity  date of the new  type,  the  client  should  let it know to
BANKINTER  and repay  principal  and interest in  accordance  with the last rate
applicable.  In case the Client does not  reimburse  to  BANKINTER  on time,  as
indicated,  BANKINTER may consider the credit  expired,  closing the account and
requiring repayment of the balance. The silence of the client during that period
shall be deemed as acceptance of the new reference rate notified by the BANK.

4.8.  If the  interest  rate will very more than once per  month,  the Bank will
notify the client once every 30 days the changes  produced  during that  period,
being the term of 15 days mentioned above counted since the validity date of the
last interest rate applicable.

4.9. The interest  will accrue  daily and be settled  following  the last day of
each quarter or the corresponding date if the credit is canceled early.

4.10. Interest shall be payable upon settlement.

4.11. The formula agreed between the parties to calculate the amount of interest
earned will be:

Interest = Principal x Revenue x term/36.000

Capital: Average balance provided during the settlement period.

Revenue: Nominal interest rate.

Term: Calendar days of the settlement period.

4.12.  According to the current  regulations  for  information is set as APR the
percentage  calculated as indicated in Annex V of the Rule 8/1990 of 7 September
Bank of Spain or later Rules that supersede or modify.

4.13.  The APR is calculated  under the assuming the total use of the credit and
does not include additional costs, which will be borne to the Client.

4.14. To determine the APR it has been used the annual  interest rate  mentioned
in clause 4.1.

4.15.  The interest  will be accrued  daily and will be settled  quarterly.  The
resulting  daily credit  balance in the account  will accrue  interest at a rate
0.00% to the client. The formula agreed for the payment of interest will be:

Interest = Capital x Yield x time/36.600 (in leap years).

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5TH. - OVERDRAWN INTERESTS.-

The  lack of  payment  of the  agreed  interest,  or the  principal  of the loan
principal at maturity,  will accrue  automatically,  on the following day to the
maturity date, the current interest plus 9.50%, without further notification.

5.2. The same interest  will accrue  amounts due for  commissions,  interests or
repayment installments not paid within the time stipulated in this contract.

5.3. Such interest  shall accrue from day to day and will be settled  quarterly.
If the lack of payment  exceeds the period of 90 days,  the interest will not be
settle until the debt will be paid and the interest applicable will be those set
in this contract.

5.4. The same  interests  applies to the capital,  interest,  fees and expenses,
will  produce to the account  closed,  until  BANKINTER  will be fully repaid in
accordance with the provisions of Article 316 of the CC

5.5. Interest due and unpaid upon settlement, whether ordinary or referred to in
this clause,  shall be considered as capital increase and since then will accrue
new interests in accordance with the provisions of Article 317 CC.

6TH. - COMMISSIONS. -

As a commission, the Client will pay to the Bank, the following:

-Opening  commission:  defined as the  percentage  to be applied  over the total
credit granted, when the client accepts it, and for once, to be 0.5%

-Study commission: 0.00% on credit limit.

- Non Use  Commission:  defined  as the  percentage  to be  applied on the total
amount of credit not used by the client,  to be 0.25%,  over the average balance
used during the quarter.  This commission is accrued daily and is settled on the
following day to the last day of each quarter.

-  Overdrawn  Commission:  defined  as the  percentage  received  by  the  BANK,
regardless  of the agreed  interest,  over the  overdrawn  amount of the credit,
being 0.5% and settled quarterly.

- Maintenance and Administration Commission of 60.10 EUROS per year, this fee is
accrued and settled following day to the last day of each quarter.

- Commission  for renewal of 0.50% over the maximum credit  available.  The Bank
may,  on an  annual  basis,  request  the  Client  to  provide  the  appropriate
documentation to study and analyze its financial  situation.  This commission is
payable on the last day of the period of validity.

7TH. - COMPENSATION OF CREDITS AND DEBTS. -

The Client agrees to Set in favor of the bank the right to  compensate  debts of
the client with credits whatsoever,  supplemented as necessary with a mandate or
express  authorization by the Client and the guarantor given to the Bank by this
contract.  The client  authorize the Bank until the credit account will be fully
cancelled,  to apply to its capital,  interests or fees, any amounts existing in
cash exist in favor of the client or  guarantor  in all kind of  accounts in the
Bank,  even fixed  deposits,  postdated check or similar credits in favor of the
client or the  guarantor.  This  authorization  includes  the  faculty  to close

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accounts,  cash  postdated  checks or similar  documents,  cancel  deposits  and
securities,  even without the title  requirement  collection or receipt that the
bank issued.

Equally the BANK is authorized to charge in the credit account, overdrafts of as
many accounts the client is holding.

8TH. - INFORMATION. -

BANKINTER will consider the address of the client and the guarantor those set in
this contract or those that have been notified by certified post to the Bank.

Although the  notifications  made by the bank in the above  mentioned  addressed
will be refused or received by third parties, they will be considered valid.

8.2.  During the term of this contract the client will provide to BANKINTER with
all the information which could affect their obligations with the Bank.

8.3.  Especially  but not  restricted to it the Bank can request from the Client
the following information:

a)  Financial  Information:  Annual  Accounts,  produced  as  per  the  Standard
Accounting principles accepted in Spain.

b) Certificate of payments and charges to third parties.

c) Facts that can affect the solvency of the client.

d) Copies of the Annual Company General Meetings.

e) Conversations about Company restructuring.

 9TH. - CANCELLATION OF CONTRACT. -

Notwithstanding the agreed term, the Bank may cancel the credit early and demand
what is owed as  capital,  interest,  fees and  other  expenses  in the event of
breach  of any  of the  conditions  agreed  to in  this  contract,  which  is of
commercial nature.  Especially is cause of early termination of the contract the
lack of payment when due of any interest  settlements and commissions as well as
deposit the Client the amounts  needed for partial  redemption  when between the
parties.

The BANK,  can also  terminate  this  contract if the  solvency of the client or
guarantor,  has suffered a reduction,  especially  in the event of bankruptcy or
insolvency  proceedings of any kind. The client can replace the  cancellation of
the contract with additional security or with a new guarantor, in addition to or
instead of the existing in this contract.

10TH. - LEGAL ENFORCEMENT. -

This contract as is formalized in front of a Notary  intervention may be legally
enforced.  In order the contract to be enforced will only be necessary to submit
this contract together with appropriate certification pursuant to the provisions
of Article  517.2.5  (degree) of the Civil Procedure Act and for the purposes of
the  provisions  of Article  572,  the parties  expressly  agree that the amount
payable in case of enforcement, will be the one included in the certification to
that effect issued by the bank,  which will contain the current  account balance
once practiced the corresponding settlement, which will be certified by a Notary

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<PAGE>
Public. The certificate from the Notary must state that the balance matches with
the remaining balance in the credit account and that settlement has practiced as
agreed in this policy.

In case of  enforcement  the BANK may  choose  to claim  from all or some of the
clients or creditor as they are equally and jointly  liable for the  obligations
set in this contract.

11TH. - EXPENSES. -

The client will be responsible of all costs, fees, taxes,  duties,  fees, levies
and duties of any kind levied directly, now or in the future, for this contract.
Also the client will be responsible of all legal fees, although the intervention
of the  lawyer was  optional,  if the bank use them if the  client  breachs  the
conditions of the contract.

12TH.- GUARANTEE.-

12.1.  The  guarantors of this contract is oblige  together and jointly with the
Client to fulfill the obligations of this contract,  especially those related to
capital, interest and commissions payments.

12.2  The  client  will  notify  the  guarantor  any  changes  in the  interests
applicable, not being BANKINTER obliged to do it.

The guarantor cannot claim he is not been informed by the client of the interest
rate applicable to refuse payment.

12.3 The guarantee will be extended until the debt with the bank will be settled
in full.

13TH. - ASSIGNMENT. -

The Bank may assign to any person or Company all or any of the  rights,  actions
and obligations under this contract by notifying the assignment to the Client by
telegram addressed to the address stated in this contract .

14TH. - PARI PASSU CLAUSE. -

The client is obliged to maintain  the  creditor  position  for this credit line
during the whole term of it. In case the client will not maintain this position,
the Bank will be allowed to cancel this contract.

15TH. - GENERAL CONDITIONS. -

 In accordance with the provisions of the LGCC (Law 7/98 of April 13, 1998). The
Clauses of this contract have the status of  conditions  except those  governing
the  contract  amount,  maturity,  repayments,  interest  rate and  fees.  These
conditions have been individually negotiated with the client.

In Marbella, on the 4th of August 2.009.

THE CLIENT/ ARROW CARS S.L.                            BANK (PP)

PP. JEREMY DEAN HARRIS                                 ANNETTE KURZYNSKI

THE GUARANTOR/ JEREMY DEAN HARRIS                      PALOMA CHAVES PALOMA

                                                       Signature and notary seal

                                       6EXHIBIT 10.7

CREDIT LINE CONTRACT

BANK ACCOUNT NUMBER      EXPIRY DATE         CURRENCY          C.C.C.

050-10449-95             14/07/2013            EURO    0075 0953 66 05010*****95

CREDIT LIMIT

45.000,00 (FORTY FIVE THOUSAND EURO)

PLACE & DATE OF THE CONTRACT

BENALMADENA 19/07/2012

ACTING, BANCO POPULAR ESPANOL S.A., (The Bank) represented by

BANK REPRESENTATIVES:

D. ALVARO PEREZ MOLINA,  with ID card number 074661628V and D(a). MACARENA OTEOR
BONILLA, with ID card number 014614395B

And on behalf of the other party:

ACTING AS      ID TAX NUMBER             NAME          LIABILITY GUARANTOORS OR
                                                              ON BEHALF OF
HOLDER         C.IF. B92914282       ARROW CARS S.L.

GUARANTOR      X3570493L             JEREMY DEAN HARRIS          100,00

PROXY          X3570493L             JEREMY DEAN HARRIS   HOLDER 001 DOCUM 76

POWER OF ATTORNEY:  NOTARY: AMELIA MARIN GARCIA; PLACE: ARROYO DE LA MIEL; DATE:
13/01/2010; NR. 76.

ADDRESS: AV. MIJAS 1, OFICINA 1. BENALMADENA. MALAGA 29630

                              SETTLEMENT CONDITIONS

INTEREST

OUTSTANDING BALANCES                                     OVERDRAWN BALANCES

  - Settlement                        10,00%        Settlement interest: 19,000%

ON CREDITOR BALANCES

The  creditor  balances  will be settled at the interest  rate  according to the
following list:
<PAGE>
NET AVERAGE BALANCE                     APR INTEREST           ANNUAL INTEREST

-From 0,01 euros                          0,000%                    0,000%

Settlement period: Monthly

COMISSIONS

- Renewal 1,50%

- Availability 0,50%

- Overdraft 4,50%. Monthly. Minimum 12 Euros This minimum will not be applicable
to excess lower than 60 Euros.

- Administration 0,55%

- Renegotiation of debt 3,50%

COSTS

- Study 0,50%

- Post: will depend on the official tariff applicable.

- Claim of overdrawn payments: 34,00 euros.

APR: 13.294%

                   SETTLEMENT TRANSACTION AND CREDIT REDUCTION

- Fix rate transaction.

The interest  settlement  will be made in arrears,  being made the first one for
the days between the date of this  contract and the  19/08/2012.  The  following
settlements will be done monthly since that date.

The  maximum  amount of credit  will be reduced on the dates and for the amounts
expressed  in the  dates of  settlement/credit  reduction,  in a way that on the
expiry date the credit will be fully settled.

The  guarantor  jointly  and  severally  will be  obliged  to settle  the amount
corresponding to the debt, on the day agreed according to the following:

                                   CONDITIONS

FIRST.-

This is a mercantile  credit and will work through the bank account mentioned in
the condition second. It will incur in the following costs or commissions:

     a)   Opening commission calculated on the total amount and will be received
          once, at the signing of this contract or in a few settlements.

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     b)   Study costs or other costs,  calculated calculated on the total amount
          and will be received once, at the signing of this contract.

     c)   Availability commission,  calculated on the total amount of the credit
          charged once.

     d)   In case the account  becomes  overdrawn it will charge,  together with
          the interest  agreed in the condition  fourth,  it will be charged the
          commission for overdraft. In order to set the amount of the commission
          it will be taken into account the highest  outstanding  balance of the
          account  during  the  period   corresponding   to  the  settlement  of
          interests.  This commission will be charged in the debtor bank account
          together with the settlement of interests of the period.

     e)   Administration  commission  will  be  charged  for  each  entry.  This
          commission  will  not  be  charged  for  settlement  of  interests  or
          commissions  of the account nor the movements  caused by  corrections.
          The  charged  will  be  made  together  with  the  settlement  of  the
          interests.

     f)   Early redemption commission calculated on the actual limit on the date
          of the  application and that will be paid together with the settlement
          of the interests.

     g)   Costs of  communication  and request of repayment  for each  overdrawn
          amount of the bank account.

     h)   Renegotiation  commission,  of the outstanding and unpaid debt in case
          the holder once the credit  will be unpaid  request to the Bank not to
          cancel  this  credit  line but  study the  possibilities  given by the
          holder to repay the credit  line,  and the Bank  accepts the  request.
          This commission will be calculated on the highest  outstanding  amount
          that  the  accounts  have  had  during  the  settlement   period.  The
          commission will not be due either if the client let the Bank know that
          he is not  interested  in the study  requested  or if the Bank decides
          accordingly with condition seventh,  close the credit account or if it
          is accepted by the Bank refinancing the outstanding debt.

     i)   Renewal  commission  in case the credit line will be renewed  when the
          client  request it. The  commission  will be  calculated  on the total
          amount of the credit subject of renewal.

The  amount of the costs and  commissions  are set in the  paragraph  SETTLEMENT
CONDITIONS, which will set the timing of the charges.

SECOND.-

The amounts used or paid on account of this credit,  also the  interests and the
commissions  will be accounted in the bank account opened in the above mentioned
office  with the same  number of this credit  line  contract.  The  transactions
regulated  by the Law 16/2009 are  suitable  in this  credit  account.  For this
purpose, the holder will have to agree a separated contract with the Bank.

Outstanding  and creditor  balances will incur the daily the annual  interest as
set in Settlement  Conditions.  The timing of the charges will set in Settlement
conditions too. The interests will be calculated following the next formula:

I=C*R*T/36.000

Being:

C= Average used amount of the account within the settled period.

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R= annual Interest Rate.

T= Number of days since the previous settlement or since agreement of the credit
account.

The interest rate applicable to the  outstanding  balance of the account will be
set in the Settlement  Conditions.  The changes in the interest rate  applicable
will be notified to the Holder 7 days before the bank apply them.  These changes
can be notified  also through their  publishing in the offices  notice board not
less than two month before the new conditions become  enforceable.  The Bank can
also choose to publish  the changes in the B.O.E.  seven days before they become
applicable.

If the credit  account  is agreed on  variable  interest  rate,  the  additional
condition will set the way the interest rate will be calculated.

THIRD.-

The  parties  agree  that the limit of the  credit  lent to the  Holder  will be
reduced  on the dates and  amounts  set in  SETTLEMENT  TRANSACTION  AND  CREDIT
REDUCTION  in such a way  that on the  expiry  date  the  credit  will be  fully
cancelled.

The holder will make  whatever  deposits are required in the account in order to
adjust the balance on the account to the maximum limit of credit available.  The
limit of the credit will be  considered  reduced,  only,  after  fulfilling  the
repayments agreed.

Nevertheless,  the  credit  limit  will be  automatically  reduced if the Holder
request the Administration  process,  at the amount used when the Administration
is being requested.

FOURTH.-

The holder  will  respect the credit  limit.  The excess of the limit will incur
since the day of the excess and until its payment the interest set in Settlement
Conditions.

The parties  agree that the  interests  outstanding  in the credit  account will
incur toghether with the principal of the credit interests.

FIFTH.-

The Holder and the guarantor give to the Bank the following faculties:

     a)   The Bank is entitled to use,  whatever  amounts of money received,  to
          pay the charges of this  contract  although  the purpose of the client
          for this amount would be different.

     b)   The Bank is entitled to sell any stock or financial  assets  deposited
          in the Bank in  favor  of the  holder  or its  guarantor,  in order to
          cancel totally or partially the credit subject of this contract.

     c)   The Bank is entitled to use whatever cash balance existing in favor of
          the holder or the guarantor to cancel  totally or partially the credit
          subject of this contract.

SIXTH.-

 Creditor  balances in the account and any other cash  balances or any financial
assets as described  before will be  considered  guarantees in favor of the Bank
until the total  redemption of all the debts related to this contract.  The Bank
can charge in this credit account,  postdated checks, or outstanding balances of
other accounts.

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<PAGE>
SEVENTH.-

Nevertheless  the Term of this contract the Holder can cancel the credit account
after  repayment of the  outstanding  balance and  notifying the Bank 15 natural
days in advance through  certified  post. The Bank can charge the  corresponding
Early Repayment Commission set in Condition First f).

The  Bank  will be  entitled  to  cancel  the  credit  account  at any  time and
specially:

     a)   In case the holder do not  deposit in the credit  account  the amounts
          for principal and interest needed to avoid the limit set in Settlement
          Transaction and Credit Reduction, no matter what balances there are in
          other accounts in favor of the Holder.

     b)   Lack of payment of any other contractual  obligation  between the Bank
          and the Holder: lack of payment of postdated checks, any legal process
          that  would  imply  the  seize  of the  holders'  goods,  any  kind of
          insolvency  and also in case the Holder  will not  provide to the Bank
          the  guarantees  of the risk in relation to article 1.129 of the Civil
          Code;  the  arrangement  of  mortgages  or any other  charge  over any
          properties  or goods  or the fact  that  appear  in the Land  Registry
          charges  or sales in favor of third  parties  which  might  imply  the
          reduction of the wealth of the Holder but in case new guarantees  will
          be provided to the Bank;  the  application  of  administration  by the
          Holder  or a  third  party  together  by the  lack of  payment  of any
          obligation by the Holder; stop the actual activity.

     c)   The  wealth   reduction  of  the  guarantor  that  might  imply  their
          insolvency,   understanding   as  such  the   administration   process
          application,  arrangement  of mortgages  by the  guarantor in favor of
          creditors;  death  and  seize  of all or any of the  guarantor  goods,
          except in case they provide new guarantees to the Bank.

     d)   Breaching  by the Holder of any of the  essential  conditions  of this
          contract,  specially send the Bank  periodically  the Holder's  Annual
          accounts, P&G and Balance Sheet. It will be also considered a cause of
          early  cancellation  the  opinions of the auditor such as Opinion with
          reserves, non favorable opinion or any of similar meaning.

     e)   In case the economic  situation of the Holder or guarantor will change
          in a way that can affect their  ability to fulfill the  conditions  of
          this contract,  as a consequence of court sentences that could provoke
          the insolvency of them, but new guarantees are provided.

     f)   In case the holder or the  guarantor  agree:  the  dissolution  of the
          company;  the change of its social subject, if this changes can affect
          their solvency, but new guarantees are provided.

     g)   Lack of payment of Social Security, salaries or taxes.

     h)   In case of  companies  when the shares of any of the  holders  will be
          reduced  in a way that will  affect  the right of vote and  majorities
          inside the company,  except if the reduction  just implies an exchange
          of percentages between shareholders.

     i)   If any holder's or guarantor creditor declares expired the obligations
          between them.

In any of the above  cases the Bank will  notify  the  holder in  writing in the
address  mentioned  above  the  cancellation  of this  contract,  being  legally
enforceable  if within 48 hours since it was  notified  the payment has not been
done.

                                       5
<PAGE>
Once  the  credit  account  will  be  cancelled,   the  Bank  will  produce  the
corresponding settlement, obtaining the amount that will be legally enforceable.
As per article 573 of the Civil  Procedure  Law it is agreed by the parties that
the  settlement  to obtain the amount  legally  enforceable  will be done by the
Bank,  issuing a certificate  with the balance of the credit  account the day of
its cancellation.

Therefore  in  order  to the  legal  enforcement  of  this  contract  it will be
sufficient this contract, the certificate of the article 517.2.5(0) of the Civil
Procedure  Law, the  certificate of the balance,  mentioned  before and the bank
statements of the credit account since it was contracted.  The Notary will state
that  the  Balance  is the one  appearing  in the  credit  account  and that the
settlement is being made following what was agreed by the parties.  Also it will
be presented the acknowledgement of receipt of the notification to the Holder or
Guarantor of the outstanding amount.

EIGHTH.-

Once the credit account will be cancelled,  the  outstanding  amounts and unpaid
will incur in penalty interest,  since the next day to the expiry until the full
payment, at the interest agreed on the condition fourth of this contract,  also,
the renegotiation commission agreed in condition first will be calculated taking
into account the amount non repaid.

NINTH.-

All the costs and Taxes of this  contract,  even the Notary Fees will be paid by
the  Holder.  Also the Bank will  charge  the  client  with the mail  costs when
appropriate.

TENTH.-

The Guarantor  guarantees  jointly and  severally  with the Holder of the credit
account the obligations related to this contract.

The guarantee  will be effective at first request of the Bank. The Bank will not
need to prove that the contract has been legally  enforced.  The  application of
Administration  by the Holder plus non fulfilling any other  obligation with the
Bank or with a third creditor will entitle the Bank to cancel this contract.

In case of the Holder  declared in Bankruptcy or  Administration,  the guarantor
will be liable for the full debt related to this contract.

ELEVENTH.-

Automated treatment of Personal Data: Accordingly with article n(0) 5 of the Ley
Organica  15/1999 de Proteccion de Datos (LOPD),  the Financial Lessor inform to
the parties of this  contract  that the personal data used during the process of
this file and  related  data that could be obtained  from the public  registries
will  be  incorporated  into a data  base  related  to  the  development  of the
contractual relationship, including the transfer of such data, in case of breach
of  contract,   to  data  bases  related  to  credit  rating  and  breaching  of
obligations.  The data base will be used internally by the Financial  Lessor and
the  companies of its group with the ppurpose of offering  financial,  insurance
and investment services.

The BANK is responsible of the data base and the use of it. The people  entitled
to it, can make use before  the Bank of their  rights of access,  rectification,
cancelation  and  opposition  given by the Ley Organica and related  development

                                       6
<PAGE>
Laws,  through document sent to the address of the Bank or through email sent to
atencionaclientes@bancopopular.es.

The  owner  of the data  permit  expressly  the  collection  of the  data  above
described,  its  treatment  and  any  communication  or  transfer  of the  above
mentioned data between the Bank and the other  companies of its group,  with the
purpose  and  activities  mentioned.  The  companies  of the group will be those
mentioned in the web site www.bancopopular.es

The signing  parties of this contract do not accept the transfer of data for any
other purpose not directly  related with the development and fulfillment of this
contract:

TWELVETH.-

According to the Article 22 of the Law 34/2002 of June the 11th, the Bank notify
the Holder the intention of sending them  advertising  emails.  The holder gives
his  consent to receive  this kind of emails.  The  consent of the Holder can be
revoked  sending a written  communication  to the Bank to calle  Velazquez,  34,
28001 Madrid.

THIRTEENTH.-

The Holder might  relinquish to the Bank postdated checks or direct debits to be
cashed into the Holders credit account.  the Holder authorize to the Bank to act
on behalf of the holder as  collector  of those  payments,  in case they  become
unpaid,  allowing the Bank to find information  related to the solvency of those
obliged to pay the above  mentioned  checks or direct  debits.  Once the payment
will be done to the Holder,  he will be obliged to let it know to the Bank.  The
Holder will be liable for any breach of this obligation.

FOURTEENTH.-

According  to the Article 60 of the Law 44/2002 of November the 22nd the Bank is
obliged  to  inform  the Risk  Center  of the Bank of Spain  the data  needed to
identify the people which the Bank has provided  credit,  their  characteristics
and risks, including, specially, the amount and the possibility of redemption of
the same. When the credit risks will be related with sole traders this condition
will be  included.  Also the  client  is  inform  of the right of the Bank to be
informed the report of the Cir about the risks registered.

FIFTEENTH.-

The Bank informs,  that in case of lack of payment of the amounts owed according
to what has been agreed in this contract, and fulfilling the legal conditions of
being: an existing debt, outstanding and unpaid, younger than 6 years old, which
payment  had  been  requested,  the  data  related  to the  debt  wil be sent to
databases including the fulfilling of financial obligations.

                                       7
<PAGE>
                                ADITIONAL CLAUSE

ADITIONAL CLAUSE.-

This  contract  is  renewal  of the  contract  of credit  account  with limit of
45.000,00 (euro), expired on 18/07/2012. Once this was cancelled, the balance of
it is transferred to this one with an outstanding  amount of 44.998,04 (euro) on
18/07/2012, to which the Holder and the creditor agree.

THE HOLDER/

ARROW CARS S.L.                                        BANK (PP)

PP. JEREMY DEAN HARRIS                                 ALVARO PEREZ MOLINAI

THE GUARANTOR/

JEREMY DEAN HARRIS                                     MACARENA OTERO BONILLA

                                                       NOTARY

                                                       Signature and notary seal

                                       8

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