Document:

EXHIBIT 10.55

Seattle, Washington.  Friday, September 28,2001

                                                                    Loan #211148

                                 PROMISSORY NOTE

For value received, the undersigned promise to pay to the order of, Beneficiary,

Bismark Mortgage Company, LLC

at the office of Bismark  Mortgage  Company,  LLC at 2835 82nd Ave.  SE,  Mercer
Island,  WA  98040-3055  or at such other  place as payee or its  successors  or
assigns may from time to time direct, the sum of ($600,000.00)

Six Hundred Thousand and No/100 Dollars

together  with any  charges or fees due under the terms of this note,  financial
statement(s) and/or deed(s) of trust, which provide security for this note, with
interest  thereon at the rate of 9.500  percent  per annum from  October 1, 2001
until paid.

The entire amount due under the terms of this note, if not sooner paid, shall be
due and payable, in lawful money of the United States, not later than October 1,
2002.  If this amount  shall  remain  unpaid  after the date it becomes due then
additional  default  interest in any amount equal to 3% of the entire amount due
shall be added to the principal amount due.

Until such time as the total amount due herein has been paid Borrower  shall pay
monthly installments of ($4,750.00)

Four Thousand Seven Hundred Fifty and No/100 Dollars

on or before the first (1st) day of each and every month  beginning  December 1,
2001.

In the event any  monthly  installment  due shall not have been  fully  paid and
received by holder within 10 days of its due date,  late charge(s) of 10% of the
amount of the installment(s) due or $40.00, whichever is larger, will e assessed
and I agree to pay the same in addition to the  installment(s) due as liquidated
damages for additional expense of handling such delinquent installments.

It is understood that acceptance by Beneficiary, its successors or assigns, of a
late or  delinquent  installment,  or  installments,  does  not and  will not be
considered by either party  involved as a waiver of its right to demand  payment
in full should this note become  delinquent at some later date.  Beneficiary  or
any subsequent  holder of this  instrument  may, at its option,  sell,  transfer
and/or assign this promissory note. I agree that payee, at its sole option,  may
(a) return my late installment(s) and demand that I return same with late charge
included,  or may (b)  accept  my late  installment(s)  and add  back  the  late
charge(s) and all unpaid interest then due on this loan to my principal balance,
or may (c) keep a separate accounting of late charges as they occur and if payee
shall choose  either (b) or (c) herein I agree to pay same upon demand but in no
event later than the due date of this note.

I  understand  this  loan is  secured  in part by a  Deed(s)  of  Trust  on real
property, and that my responsibility for and/or control of such real property is
a material  inducement to make the loan and upon the terms  agreed.  If title to
said property shall pass from me by deed or otherwise, or said property shall be
sold on  contract  or wrap or shall have been leased or rented with an option to
purchase agreement,  then such change in title and/or control shall be deemed to
increase the risk of lender,  and therefore the entire unpaid  balance(s)  shall
upon such change in title and/or control, without notice, become immediately due
and payable.

Prepayment  Penalty:  I agree to pay at least  n/a  months  of  interest  on the
original principal balance whether or not I should pre-pay the principal in part
or in full at an earlier date.

If default be made in the  payment of any  installment  when due,  then,  at the
option of the holder of this note, without prior notice, the entire debt thereby
represented shall immediately  become due and any waiver of such right shall not
prevent the holder from  enforcing the right upon any recurrence of the default.
After maturity,  or after failure to pay any installment as above specified,  in
addition  to the late  charges  noted  above,  this note shall bear  interest at
twelve  percent (12%) per annum above the face interest rate (or the  prevailing
interest rate if the rate has been  increased per holder's  option herein and/or
changed by other  agreement  between holder and debtors  herein) and said higher
interest rate shall  continue until the default has been cured by payment of all
amounts in default plus all interest accrued by application of the terms of this
paragraph.

If this note is placed in the hands of an attorney for collection, or if suit or
action is  commenced  to collect this note,  or any portion  thereof,  or if the
holder of this note is required to appear in any  Bankruptcy  action in order to
collect hereunder or make claim therein,  or for any other action connected with
this note,  I promise and agree to pay, in addition to all other sums  described
herein,  all the costs and attorney's fee(s) incurred by the holder of this note
in said suit(s) or action(s).

In addition to all other terms found herein, I promise to pay the following fees
for each,  if any, of the  following  occurrences  and I further agree that said
fees shall be added to my outstanding  principal balance: a. $40.00 for each NSF
or returned  check and b. $40.00 for each written  payoff demand or each written
verification of mortgage request.

<PAGE>

Every  person or entity at any time  liable for the  payment of the debt  hereby
evidenced,  waives presentment for payment,  demand and notice of non-payment of
this note,  and consents  that the holder may at its option,  extend the time of
payment or  otherwise  modify the terms of payment of any part,  or the whole of
the debt at any time at the request of any other person now or hereafter liable.

Special Terms of this Note:

Interest rate increase:
Beginning 4/1/2002 the non-default face interest rate (9.50%) described above
shall permanently increase to 13.99% and the interest-only payment shall
permanently increase, accordingly. All other terms of this note and related loan
documents and/or security instruments remain unchanged.

------------------------------          ----------------------------------------
                    Date                                             Date

                                        Brookhaven Homes LP, a Nevada Limited
                                        Partnership
                                        By:  Entity Planners International, Inc.
                                        a Nevada Corporation By:

                                        /s/ Cynthia C. Britten          10/3/01
                                        ----------------------------------------
                                        by:  Cynthia C. Britten,          Date
                                             Authorized Agent
                                        its:  Chief Financial OfficerEXHIBIT 10.56

                MARKETING AND RETAIL SALES DISTRIBUTION AGREEMENT

This marketing and retail sales distribution agreement (the "Agreement") is made
by and between Wade Cook Financial  Corporation,  Inc.TM ("WCFC") and/or assigns
(the  "Assigns") to market and  distribute  the products  listed in Attachment A
hereto  (the  "Products"),   and  First  Scientific,   IncorporatedTM   ("FST"),
collectively the "Parties", on this 9th of November, 2001.

Whereas,  FSI has certain  Products  which are  manufactured  as  anti-microbial
agents, of which a non-exclusive list is provided in Attachment A, and WCFC, and
its  Assigns are in the  business of  marketing  and  distributing  items to the
General Public, the Parties agree as follows:

     1.   A.   FSI agrees to  manufacture  the Products and fill WCFC's  written
               orders for Products in a timely manner, and in any event will use
               its best efforts to fill placed  orders within a period of thirty
               days (30) days or less following receipt of any written order.

          B.   WCFC or Assigns has two  options to pay for  Product  released by
               FSI to WCFC  under this  Agreement:  Option 1: If WCFC or Assigns
               elects to pick up the Products  directly from FSI, then WCFC will
               pay 100% of the Price upon receipt of the  Product;  Option 2: If
               WCFC or  Assigns  elects  to  have  FSI  ship  the  Product  to a
               designated  location,  WCFC or  Assigns  shall  prepay 50% of the
               Price  up-front and then satisfy the  remaining  50% of the Price
               upon delivery of the Products to the designated location.

     2.   A.   FSI  agrees to  deliver to WCFC  copies of all  current  reports,
               articles,  tests,  investigations,  information  on  discoveries,
               testimonials,   and  any  other  comments  or  other  information
               (collectively  the  "Information")  made by scientists,  doctors,
               agencies, or governmental  organizations  immediately after FSI's
               receipt of such Information.

          B.   WCFC and Assigns may use the  Information  in all  marketing  and
               distribution  efforts to sell the  Products.  WCFC  agrees not to
               make any marketing  claims in regard to the Products that are not
               supported by the Information supplied by FSI.

     3.   Price  will be  determined  according  to  Attachment  A  Product  and
          Pricing.

     4.   A.   If FSI has  existing  Products,  and WCFC  agrees  to sell  those
               existing  Products,  a discount  will be made on the  purchase of
               those  Products,   in  that  it  comes  from  a  product  overrun
               situation.

          B.   WCFC  agrees  to pay the Price in cash or cash  equivalent.  WCFC
               will pay shipping, unless other arrangements have been made.

     5.   Term.  This  agreement will run in  perpetuity,  unless  terminated by
          either of the Parties.

     6.   Termination.  Termination  of this  Agreement  may be  commenced  upon
          thirty (30) days written Notice.  Termination  will be effective sixty
          days  (60) days  following  the date that  Notice  of  termination  is
          received  by the  non-terminating  Party.  WCFC  or  Assigns  will  be
          permitted to sell,  market,  and  distributes  all Products (that have
          been ordered from FSI, or are in the  possession of WCFC or Assigns at
          termination).

     7.   Nature of the  Relationship.  This  Agreement  is  non-exclusive  with
          respect to FSI's existing and future  distribution  channel.  However,
          FSI agrees not to sell,  market or distribute the Products directly to
          the General Public,  absent  effective  termination of this Agreement.
          The General Public includes  primarily  retail  consumers who purchase
          the Products  primarily  for  individual  family,  work,  or household
          purposes;  however,  this  restriction  shall  not  prohibit  FSI from
          distributing  the  Products to any third Party who may then attempt to
          sell,  market,  or distribute  to the Products to the General  Public.
          WCFC and its Assigns intends on spending a

                                                                 [Initials:  WBC
                                                                            RLH]
<PAGE>

          large amount of money in advertising the Products, and FSI agrees that
          it will not infringe or  otherwise  interfere  with these  advertising
          efforts to the General  Public by going into  competition in that same
          arena.  WCFC and Assigns may market the  Products as  manufactured  by
          First Scientific  Incorporated and distributed by WCFC and/or Assigns,
          and  may  restructure   labels  affixed  to  the  shipping   materials
          containing the Products to bear  statements  similar to the following:
          "Manufactured by First Scientific, Inc. for Origin Sales, Inc."

     8.   There are no set  minimum  quota  requirements  for sales  under  this
          Agreement. Orders will be taken on a case by cases basis by FSI.

     9.   FSI  warrants  and  guarantees  that  FSI  holds  all of the  relevant
          patents,  trademarks,   servicemarks,   and  other  like  intellectual
          property  rights to the  Products,  and  further  warrants  that FSI's
          Products are not subject to any claim (for infringement or otherwise),
          demand,  or  legal  action  by  any  third  party.  FSI  warrants  and
          guarantees  that to the best of its  knowledge  all claims made by FSI
          about the Products are true and correct.

     10.  All notices and other communications  required or permitted under this
          Agreement  shall be validly  given,  made, or served if in writing and
          delivered  personally or sent by registered  mail, to the other party.
          Address where notice is to be sent: WCFC or Assigns - 14675 Interurban
          Ave.  Seattle,  WA 98168;  FSI - 1877 West 2800 South Suite 200, Ogden
          Utah 84401. Each party may, by notice to the other as provided herein,
          designate a different address.

     11.  FSI agrees to indemnify and hold WCFC and its Assign harmless from all
          actions,  of whatever  kind and nature,  relating to or arising out of
          any  consumer use of the Products  and/or  claims that FSI's  Products
          infringe upon any third party's  patent,  trademark,  servicemark,  or
          other similar intellectual property right.

     12.  Bankruptcy.  In the event of bankruptcy,  insolvency, or receivership,
          and subject to the laws thereto,  this Agreement  shall remain in full
          force and effect and will be binding on FSI's  assigns and  successors
          to the fullest extent permitted by law.

     13.  Disputes.  All disputes arising out of or under this Agreement,  which
          cannot be settled by  agreement  of the parties  shall be submitted to
          the  American  Arbitration  Association  (AAA),  to be  heard  in King
          county,  Washington under the rules then in force, or such other rules
          or venue  agreed  upon by the  parties.  The  prevailing  party in any
          dispute shall be reimbursed  all of its  reasonable  costs,  including
          reasonable attorney's fees by the other party.

     14.  Governing  law. This  Agreement and the rights and  obligations of the
          parties herein,  shall be construed in accordance with the laws of the
          State of Utah and  applicable  federal law. The Parties hereby consent
          to the jurisdiction and venue of the courts of the State of Washington
          or any federal court located in such state.

                                                                 [Initials:  WBC
                                                                            RLH]

/s/ Wade B Cook          11-09-01        [Illegible]                    11-09-01
------------------       --------        ------------------             --------
WCFC Signature            Date           FSI Signature                    Date

<PAGE>

                                  Attachment A

Product & Pricing

1. PureCleanse 2.5 Fl. Oz. Instant Skin Sanitizer                       $1.89/EA
2. PureCleanse 2.0 Fl. Oz Antimicrobial Handwash                        $1.11/EA
3. PureCleanse 2.0 Fl. Oz Hypo-Allergenic Lotion
    (Microbe NZ Compatible)                                             $1.11/EA
4. PureCleanse 2.0 Fl. Oz First Aid Antiseptic Spray                    $1.29/EA

Note:  Some of this product (discontinued) may be in larger sizes

This pricing is to be reviewed every 12 months. However, larger volume purchases
can be negotiated later. Initiated by Wade B. Cook and [Illegible]  [Handwritten
in original]

                                                                 [Initials:  WBC
                                                                            RLH]

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