Document:

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                                                                   EXHIBIT 10.15

THIS INSTRUMENT PREPARED BY:
Robert O. Sammons
Floyd & Sammons, P.A.
1552 Sixth Street
Winter Haven, FL 33880
Attorney for Grantor

                Agreement Regarding Deeds in Lieu of Foreclosure

         THIS AGREEMENT made the 29 day of Oct. , 2001 by TOHO HOLDINGS, INC., A
FLORIDA CORPORATION, hereinafter referred to as Toho, R WHOSE address is 3650
Cypress Gardens Boulevard, Winter Haven FL 33880, and FIDRA HOLDINGS, INC., A
LIMITED PARTNERSHIP FORMED UNDER THE LAWS OF ______________, whose federal
taxpayer identification number is (        ) and whose address is Suite 1, West
Bay Street, P. O. Box CB-11728, Nassau Bahamas, hereinafter referred to as
Fidra:

         The parties agree as follows:

1.       Toho is indebted to Fidra under three mortgages Toho agrees to convey
         the following properties to Fidra:

         Begin at a point 551 .9 feet East and 25 feet South of the Northwest
         Corner of Section 1, Township 29 South, Range 26 East, run South
         89 degrees 39' 30" East along road right-of-way of 540A, 70.1 feet,
         thence South 140 feet, West 70.1 feet, North 130 feet to the point of
         beginning; being part of Lots 6 and 7 of Villa Estates Subdivision,
         according to the plat thereof, recorded in Plat Book 14, page 10 of
         the Public Records of Polk County, Florida.

         Tax Identification Number: 012926-663500-000061

         and:

         Commence at the intersection of the North right-of-way of Interstate
         No. 4 and the West boundary of Section 11, Township 27 South, Range 24
         East, Polk County, Florida, run thence North 72 degrees 50' 19" East,
         along said right-of-way a distance of 450.00 feet, thence leaving said
         right-of-way run North 00 degrees 11' 36" West, a distance of 535.10
         feet for the Point of Beginning, thence continue North 00 degrees 11'
         36" West a distance of 598.47 feet; thence run North 81 degrees 28'
         25" East, a distance of 145.42 feet; thence run North 00 degrees 10'
         20" West, a distance of 370.35 feet to the southerly right-of-way
         boundary of State Road 33; thence run North 72 degrees 50' 50" East,
         along the southerly right-of-way boundary of said State Road 33, a
         distance of 154,69 feet; thence run South 00 degrees 0' 50" West, a
         distance of 882,63 feet; thence run South 62 degrees 00' 04" along the
         centerline of a ditch as now located, a

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         distance of 326.71 feet to the Point of Beginning.

         Tax Identification Number: 112724-000000-043050

         and

         Commence at the intersection of the North right-of-way of Interstate
         No. 4 and the West boundary of Section 11, Township 27 South, Range 24
         East, Polk County, Florida, run thence North 72 degrees 50' 19" East,
         along said right-of-way a distance of 750.00 feet, thence leaving said
         right-of-way run due North a distance of 763.49 feet for the Point of
         Beginning, thence continue North a distance of 719.09 feet to a point
         lying on the southerly right-of-way of S.R. 33; thence run North
         70 degrees 50' 50" East, along said right-of-way a distance of 150
         feet, thence leaving said right-of-way run South 00 degrees 00' 06"
         West, a distance of 763.33 feet, thence run North 89 degrees 50' 54"
         West a distance of 143.32 feet to said Point of Beginning.

         Tax Identification Number: 112724-000000-043060

2.       Fidra agrees to accept the conveyances of the property in full payment
         of the personal obligation for any potential deficiency judgement or
         further obligation of Toho to Fidra under the following mortgages:

         A.       that mortgage between Toho and Fidra, dated December 13, 1999,
                  and recorded on January 12, 2000 in O.R. Book 4385, page
                  1107, of the public records of Polk County, Florida, and

         B.       that mortgage between Toho and Fidra, dated December 13, 1999,
                  and recorded on January 12, 2000 in O.R. Book 4385, page 1110,
                  of the public records of Polk County, Florida.

         C.       that mortgage between Toho and Fidra dated December 13, 1999
                  and recorded on November 15, 2001 in O.R. Book 4850, page 96,
                  of the public records of Polk County, Florida.

3.       Fidra's interest as a mortgagee under any mortgage and the fee simple
         ownership in the property encumbered by the mortgage shall not merge
         unless and until Fidra executes a warranty deed conveying the property
         without exception for the mortgage, or records an affidavit expressly
         stating an intent to merge those interests. Fidra reserves the right to
         foreclose any or all mortgages, but if so, no judgment shall be applied
         for against Toho other than against any interest of Toho in the
         properties described above, Other than for the interest of Toho in the
         properties described above, Fidra hereby releases Toho of all further
         liability under the notes and mortgages described above.

4.       The references to any potential interest of Toho in the properties is
         for caution and to allow Toho to be joined in any foreclosure to
         accomplish the quieting of title and Toho does not intend to retain any
         interest in the properties described above.

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         IN WITNESS WHEREOF, the said parties have signed and seated these
presents the day and year first above written.

Witnesses:

/s/ Helen Taillefer                          Toho Holdings, Inc.
---------------------------
   (witness signature)
witness print name: Helen Taillefer

                                             By: /s/ Frank Dolney
___________________________                     ----------------------
    (witness signature)                         Frank Dolney, president
witness print name:

Witnesses:

___________________________                  Fidra Holdings, Inc.
    (witness signature)

witness print name:

___________________________                  By:__________________________
    (witness signature)                                  (Signature)
witness print name:                          Print name:
                                             Title:<PAGE>

                                                                   EXHIBIT 10.16

THIS INSTRUMENT PREPARED BY:                 INSTR # 2001189641
ROBERT O. SAMMONS                            OR BK 04836 PG 1041
FLOYD & SAMMONS, P.A.                        RECORDED 10/30/2001 03:34 PM
1552 Sixth Street                            RICHARD M. WEISS CLERK OF COURT
Winter Haven, FL 33880                       POLK COUNTY
ATTORNEY FOR GRANTOR                         DOC TAX PD(F.S. 201.02)    395.50
                                             DEPUTY CLERK B NORRELL
RETURN TO:
Robert O. Sammons
1552 Sixth Street SE
Winter Haven, FL 33880

         THIS DEED IN LIEU OF FORECLOSURE made the 27 day of October, 2001
by TOHO HOLDINGS, INC., A FLORIDA CORPORATION, hereinafter referred to as
grantor whose address is 3650 Cypress Gardens Boulevard, Winter Haven FL 33880,
and FIDRA HOLDINGS, INC., A LIMITED PARTNERSHIP FORMED UNDER THE LAWS OF
______________________________, whose federal taxpayer identification number is
(     ) and whose address is Suite 1, West Bay Street, P.O. Box CB-11728, Nassau
Bahamas, hereinafter referred to as grantee:

         WITNESSETH: That the grantor, for and in consideration of the sum of
$10.00, receipt of which is hereby acknowledged, hereby grants, bargains, sells,
aliens, remises, releases, conveys and confirms unto the grantee, all that
certain land situate in Polk County Florida, viz:

         Begin at a point 551.9 feet East and 25 feet South of the Northwest
         Corner of Section 1, Township 29 South, Range 26 East, run South
         89 degrees 39' 30" East along road right-of-way of 540A, 70.1 feet,
         thence South 140 feet, West 70.1 feet, North 130 feet to the point of
         beginning; being part of Lots 6 and 7 of Villa Estates Subdivision,
         according to the plat thereof, recorded in Plat Book 14, page 10 of the
         Public Records of Polk County, Florida.

         Tax Identification Number: 012926-663500-000061

         This deed was prepared based upon information provided by the grantor.
         No title insurance or other title assurance was requested or given.

         TOGETHER with all the tenements, hereditaments and appurtenances
thereto belonging or in anywise appertaining.

         TO HAVE AND TO HOLD, the same in fee simple forever.

         IN WITNESS WHEREOF, the said grantor has signed and sealed these
presents the day and year first above written.

Witnesses as to grantor:

/s/ ROBERT SAMMONS                           Toho Holdings, Inc.
--------------------------------------
    (witness signature) ROBERT SAMMONS

witness print name:

   /s/ Helen Taillefer                       By: /s/ Frank Dolney
--------------------------                      ------------------------
     Helen Taillefer                         Frank Dolney, president

witness print name:

STATE OF FLORIDA
COUNTY OF POLK

The foregoing instrument was acknowledged before me this 29 day of October, 2001
by Frank Dolney, as president of Toho Holdings, Inc. on behalf of the
corporation. Frank Dolney is personally known to me or who

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                                                        POLK OR BK 04836 PG 1042

produced a driver's license as identification and who did take an oath.

                                            /s/ Robert O. Sammons
                                            ------------------------------
My Commission Expires:                      Notary Public, state of
                                            Florida, at large
                                            print name:

                                            [STAMP OF ROBERT O. SAMMONS]

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