Document:

Exhibit 10.1

 Exhibit
10.1

First
Amendment To 

Amended
and Restated Multicurrency Credit Agreement

 

This
First Amendment to Amended and Restated Multicurrency Credit Agreement (herein,
the “Amendment”) is
entered into as of March 31, 2005, by and among Jones Lang LaSalle Finance
B.V., the Guarantors party hereto, the Banks party hereto and Harris Trust and
Savings Bank, as Administrative Agent.

Preliminary
Statements

A.  The
Borrower, the Guarantors, the Banks and Harris Trust and Savings Bank, as
Administrative Agent, entered into a certain Amended and Restated Multicurrency
Credit Agreement, dated as of April 13, 2004 (the “Credit
Agreement”). All
capitalized terms used herein without definition shall have the same meanings
herein as such terms have in the Credit Agreement.

B.  The
Borrower has requested that the Banks agree to certain amendments to the Credit
Agreement, and the Banks are willing to do so under the terms and conditions set
forth in this Amendment.

Now,
Therefore, for good
and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties hereto agree as follows: 

	
      Section 1.
	
      Amendments.

Subject
to the satisfaction of the conditions precedent set forth in Section 2
below, the Credit Agreement shall be and hereby is amended as follows:

1.1  Section
7.23 of the Credit Agreement is hereby amended by deleting the percentage
“20%”
appearing in the third and eighth lines thereof and inserting in its place the
percentage “30%”.

	
      Section 2.
	
      Conditions
      Precedent.

This
Amendment shall become effective as of March 31, 2005 upon the Administrative
Agent’s receipt of counterparts hereof executed by the Borrower, the Guarantors,
the Required Banks and the Administrative Agent.

	
      Section 3.
	
      Representations.

In order
to induce the Banks to execute and deliver this Amendment, each of the Borrower
and the Parent hereby represents to the Banks and the Administrative Agent that
as of the date hereof the representations and warranties set forth in
Section 5 of the Credit Agreement are and shall be and remain true and
correct and the Borrower and the Parent are in compliance with the terms and
conditions of the Credit Agreement and no Default or Event of Default has
occurred and is continuing under the Credit Agreement or shall result after
giving effect to this Amendment.

   

	
      Section 4.
	
      Miscellaneous.

4.1.  Except as
specifically amended herein, the Credit Agreement shall continue in full force
and effect in accordance with its original terms. Reference to this specific
Amendment need not be made in the Credit Agreement, the Notes, or any other
instrument or document executed in connection therewith, or in any certificate,
letter or communication issued or made pursuant to or with respect to the Credit
Agreement, any reference in any of such items to the Credit Agreement being
sufficient to refer to the Credit Agreement as amended hereby.

4.2.  The
Borrower agrees to pay on demand all costs and expenses of or incurred by the
Bank in connection with the negotiation, preparation, execution and delivery of
this Amendment, including the fees and expenses of counsel for the
Administrative Agent.

4.3.  This
Amendment may be executed in any number of counterparts, and by the different
parties on different counterpart signature pages, all of which taken together
shall constitute one and the same agreement. Any of the parties hereto may
execute this Amendment by signing any such counterpart and each of such
counterparts shall for all purposes be deemed to be an original. This Amendment
shall be governed by the internal laws of the State of Illinois.

[Signature
Page to Follow]

 

This
First Amendment to Credit Agreement is entered into as of the date and year
first above written.

 

			
       

	 	
      
      
      Jones
      Lang LaSalle Finance B.V.

	 
 	 
 	 
 
		By:  	/s/ Brian P.
Hake
	 	 	
      

    
	 	Title Managing Director
	 	
      

    

	 	 	
       

	 	
      
      
      Jones
      Lang LaSalle Incorporated, as
      Guarantor

	 
 	 
 	 
 
		By:  	/s/ Brian P.
Hake
	 	 	
      

    
	 	Title Treasurer
	 	
      

    

	 	 	 
	 	
      
      
      Jones
      Lang LaSalle Co-Investment, Inc., as
      Guarantor

	 
 	 
 	 
 
		By:  	/s/ Brian P.
Hake
	 	 	
      

    
	 	Title Treasurer
	 	
      

    

	 	 	  
	 	
      
      
      Jones
      Lang LaSalle International, Inc.,
      as Guarantor

	 
 	 
 	 
 
		By:  	/s/ Brian P.
Hake
	 	 	
      

    
	 	Title Treasurer
	 	
      

    
	 	

	 	 	  
	 	
      
      
      LaSalle
      Investment Management, Inc.,
      as Guarantor

	 
 	 
 	 
 
		By:  	/s/ Brian P.
Hake
	 	 	
      

    
	 	Title Treasurer
	 	
      

    
	 	

 

[First
Amendment to Credit Agreement]

S-1

	 	 	 
       

	 	
      
      
      Jones
      Lang LaSalle Americas, Inc., as
      Guarantor

	 
 	 
 	 
 
		By:  	/s/ Brian P.
Hake
	 	 	
      

    
	 	Title Treasurer
	 	
      

    

	 	 	 
	 	
      
      
      Jones
      Lang LaSalle Limited,
      as Guarantor

	 
 	 
 	 
 
		By:  	/s/ Brian P.
Hake
	 	 	
      

    
	 	Title Attorney-in-fact
	 	
      

    

	 	 	
       

	 	
      
      
      Jones
      Lang LaSalle Gmbh,
      as Guarantor

	 
 	 
 	 
 
		By:  	/s/ Brian P.
Hake
	 	 	
      

    
	 	Title Attorney-in-fact
	 	
      

    
	 	

 

[First
Amendment to Credit Agreement]

S-2

 

	 	 	 
	 	
      Harris Trust and Savings Bank,
      in its individual capacity as a Bank and as Administrative
      Agent

	 
 	 
 	 
 
		By:  	/s/ Thomas A.
    Batterham
	 	 	
      

    
	 	Title Managing Director
	 	
	 	

 

[First
Amendment to Credit Agreement]

S-3

 
  

	 	 	 
	 	
      Royal
      Bank of Scotland plc

	 
 	 
 	 
 
		By:  	/s/ Richard H.
      Meddleton
	 	 	
      

    
	 	Title Head of Professional
  Practices
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-4

 
  

	 	 	 
	 	
      LaSalle
      Bank National Association

	 
 	 
 	 
 
		By:  	/s/ Joshua A.
    Proctor
	 	 	
      

    
	 	Title AVP
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-5

 

	 	 	 
	 	
      Bank
      of America, N.A.

	 
 	 
 	 
 
		By:  	/s/ Adam M.
    Goettsche
	 	 	
      

    
	 	Title Vice President 
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-6

 

	 	 	 
	 	
      U.S.
      Bank National Association

	 
 	 
 	 
 
		By:  	/s/ R. Michael
    Newton
	 	 	
      

    
	 	Title Vice President 
	 	
      

       
	 	

 

 

[First
Amendment to Credit Agreement]

S-7

 
  

	 	 	 
	 	
      Barclays
      Bank plc

	 
 	 
 	 
 
		By:  	/s/ David Barton
	 	 	
      

    
	 	Title Associate Director 
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-8

 
   

	 	 	 
	 	
      HSBC
      Bank PLC

	 
 	 
 	 
 
		By:  	/s/ Paul
Saunders
	 	 	
      

    
	 	Title Global Relationship Manager 
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-9

 

	 	 	  
	 	
      
      
      Fifth
      Third Bank (Chicago), a Michigan banking
      corporation

	 
 	 
 	 
 
		By:  	/s/ Joseph A.
    Wemhoff
	 	 	
      

    
	 	Title Vice President
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-10

 

	 	 	  
	 	
      
      
      Bank
      of Scotland

	 
 	 
 	 
 
		By:  	/s/ Karen Welch
	 	 	
      

    
	 	Title Assistant Vice President
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-11

 

	 	 	  
	 	
      
      
      National
      City Bank of
Michigan/Illinois

	 
 	 
 	 
 
		By:  	/s/ James M.
    Kershner
	 	 	
      

    
	 	Title Vice President 
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-12

 

	 	 	  
	 	
      
      
      PNC
      Bank, National Association

	 
 	 
 	 
 
		By:  	/s/ Michael E.
  Smith
	 	 	
      

    
	 	Title Senior Vice President 
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-13

 

	 	 	  
	 	
      
      
      Wells
      Fargo Bank, N.A.

	 
 	 
 	 
 
		By:  	/s/ Andrew
  Cavallari
	 	 	
      

    
	 	Title Vice President 
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-14

 

	 	 	  
	 	
      
      
      The
      Bank of New York

	 
 	 
 	 
 
		By:  	/s/ Mark O’Connor
  
	 	 	
      

    
	 	Title Vice President 
	 	
      

       
	 	

 

[First
Amendment to Credit Agreement]

S-15

 

	 	 	
       

	 	
      
      
      The
      Northern Trust Company

	 
 	 
 	 
 
		By:  	/s/ Kurt
Prusener
	 	 	
      

    
	 	Title Vice President 
	 	
      

       
	 	

[First
Amendment to Credit Agreement]
     

S-16<PAGE>
EXHIBIT 10.9

                 -----------------------------------------------

                     THIS CONTRACT FOR SALE AND PURCHASE OF
                  CERTAIN INTEREST IN THE REGISTRED CAPITAL OF
                          ENJOY MEDIA HOLDINGS LIMITED

                 -----------------------------------------------

                                 PAVLOVA LIMITED

                               ASIA TIMES LIMITED

                                   LU YONGCHAO

                                  CHEN ZHONGWEN

                                       AND

                                Fintel Group Ltd.

                                 MARCH 25, 2005

<PAGE>

THIS CONTRACT is dated the March 25, 2005.

BETWEEN:

1)   Pavlova Limited, Registry No.: 577781, Address: Room 203, 139-141, Wai Yip
     Street, Kwun Tong, Kowloon, Hong Kong
2)   Asia Times Limited, Registry No.:574814, Address: Room 203, 139-141, Wai
     Yip Street, Kwun Tong, Kowloon, Hong Kong
3)   Lu Yongchao, Passport No.: G10438026, Address: Room 2608, Floor 11, East
     New World, No. 158 ZhongShan West Road GuangZhou, China
4)   Chen Zhongwen, Passport No.: G01371891, Address: Room 703, No.7, HaiYin
     Garden, DaShaTou 4 Road, Guangzhou, Guangdong, China (Pavlova Limited, Asia
     Times Limited, Lu Yongchao and Chen Zhongwen ) are hereinafter collectively
     referred to as the "Vendors" and each individually referred to as the
     "Vendor"); and
5)   Fintel Group Ltd., a company incorporated in HONG KONG with its registered
     office situate at 306, Hang Bang Center, 28 Shanghai St., Kowloon, Hongkong
     (the "Purchaser").

WHEREAS:

(A)  Enjoy Media Holdings Limited (the "Company") is a company with limited
     liability incorporated in the British Virgin Islands and has as at the date
     hereof a net asset of RMB2,000,000 and its office address is Room 203, Siu
     Fat Industrial Building, 139-141 Wai Yip Street, Kwun Tong, Kowloon, Hong
     Kong.
(B)  As at the date of this Contract, the Purchaser is a wholly owned subsidiary
     of Financial Telecom Limited (USA) Inc. (the "Fintel Company"), the shares
     of which are currently listed on the Over-the-Counter Bulletin Board
     ("OTCBB") of the United States (OTCBB Symbol: FLTL.OB).
(C)  The Vendors have agreed to sell and the Purchaser has agreed to purchase
     certain interests in the registered capital of the Company, the aggregate
     of which represents 19.5% of the entire interest in the registered capital
     of the Company (the "Sale Interests") in accordance with the terms and
     conditions of this Contract.
(D)  The Purchaser procures that Fintel Company shall allot and issue the new
     restricted shares which are calculated by RMB 682,500 equal to US$
     82,727(1US$=RMB8.25) / 50% of the average share price of 30 business days
     before Completion and are restricted according to Rule 144 promulgated
     under the U.S Securities Act and which symbol is FLTL.OB in the
     Over-the-Counter Bulletin Board ("OTCBB") of the United States.

NOW, THEREFORE, FOR AND IN CONSIDERATION of the mutual promises and agreements
contained herein, the terms and conditions hereby are agreed upon by the Parties
in this Contract:

                                       2

<PAGE>

1.   INTERPRETATION

     1.1  In this Contract (including the Recitals), unless the context
          otherwise requires, the following words and expressions shall have the
          following meanings ascribed to each of them below:

"CONTRACT"                  this Contract for the sale and purchase of the Sale
                            Interest, as amended or supplemented from time to
                            time;

"BUSINESS DAY"              From Monday to Friday except British Virgin Island's
                            public holidays;

"SALE INTERESTS"            19.5% of the entire interest in the registered
                            capital of the Company to be sold by the Vendors to
                            the Purchaser, in which 10.101% of the entire
                            interest in the registered capital of the Company is
                            sold by Pavlova Limited to the Purchaser and 1.175%
                            of the entire interest in the registered capital of
                            the Company is sold by Asia Times Limited to the
                            Purchaser and 7.049% of the entire interest in the
                            registered capital of the Company is sold by Lu
                            Yongchao to the Purchaser and 1.175% of the entire
                            interest in the registered capital of the Company is
                            sold by Chen Zhongwen to the Purchaser;

"FINTEL COMPANY"            Financial Telecom Limited (USA) Inc., a company
                            incorporated under the laws of the state of XXXX,
                            United States, the shares of which are currently
                            listed on the Over-the-Counter Bulletin Board
                            ("OTCBB") of the United States (OTCBB Symbol:
                            FITG.OB).

"CONSIDERATION SHARES"      New restricted shares of the Fintel Company to be
                            allotted and issued in the name of the Vendors or
                            their nominees for the consideration of Sale
                            Interests according to Clause 4.1, which are
                            restricted according to Rule 144 promulgated under
                            the U.S Securities Act and are calculated by the
                            Consideration regulated in Clause 4.1 /50% of the
                            average share price of 30 business days before
                            Completion;

"RESTRICTED TRADING         a period of twelve (12) & twenty-four (24) &
PERIOD"                     thirty-six (36) months from the date on which the
                            Consideration Shares being allotted and issued to
                            the Vendors or their nominees; twelve months for 1/3
                            of the Consideration Shares, twenty-four months for
                            another 1/3 of the Consideration Shares, thirty-six
                            months for another 1/3 shares of the Consideration
                            Shares;

"COMPLETION"                completion of the sale and purchase of the Sale
                            Interests in accordance with the terms and
                            conditions of this Contract;

"COMPLETION DATE"           the date falling on the 5th Business Day after the
                            conditions set out in Clause 3.1, 3.2 and 3.4 have
                            been fulfilled or waived by the Purchaser;

"LONG STOP DATE"            Within six months after the date of this Contract;

"THE DATE OF THE            February 28, 2005.
BALANCE SHEET"

                                       3

<PAGE>

2.   SALE AND PURCHASE OF THE SALE INTERESTS

     2.1  Subject to the terms and conditions of this Contract, each of the
          Vendors, agrees to sell and the Purchaser agrees to purchase the Sale
          Interests which is beneficially held by each of the Vendors, in which
          10.101% of the entire interest in the registered capital of the
          Company is sold by Pavlova Limited to the Purchaser and 1.175% of the
          entire interest in the registered capital of the Company is sold by
          Asia Times Limited to the Purchaser and 7.049% of the entire interest
          in the registered capital of the Company is sold by Lu Yongchao to the
          Purchaser and 1.175% of the entire interest in the registered capital
          of the Company is sold by Chen Zhongwen to the Purchaser. The
          consideration for Sale Interests is the Consideration Shares. From the
          date of this Contract, the Purchaser is the beneficial owner of the
          Sale Interests with all rights now or hereafter attaching thereto.

     2.2  Subject to Clause 2.1 of this Contract, on the Date of the Balance
          Sheet, the Company`s net assets which are audited by independent third
          party CPA are RMB2,000,000.

     2.3  After the date of this Contract, The Vendors will not assume any debts
          and any other duties regards to the Sale Interests, which exist after
          the date of this Contract and will not have any creditor's rights and
          any other rights regards to the Sale Interests, which exists after the
          date of this Contract. After the date of this Contract, The Purchaser
          will assume any debts and any other duties regards to the Sales
          Interests, which exist after the date of this Contract and will have
          any creditor's rights and any other rights regards to the Sale
          Interests, which exists after the date of this Contract.

3.   COMPLETION

     3.1  On Completion, The Vendors shall meet the following requirements:

     (a)  The Vendors shall get all necessary consents permits and approval
          (whether governmental, regulatory or otherwise) as may be required in
          respect of the sale and purchase of the Sale Interests from the
          relevant British Virgin Islands' governmental authorities, including
          but not limited to the ratification from the PRC foreign trade
          economic bureau or the provincial foreign trade economic department
          and the Vendors shall inform the Purchaser all the relevant letters,
          the ratification documents and other relevant documents;

     (b)  In relation to Clause 3.2 (a), the Vendors shall give and shall
          procure that the Purchaser and/or any persons authorized by it in
          writing will be given such access to the premises and all books,
          documents, title deeds, records, returns, approvals, correspondence
          and accounts of the Company and its subsidiaries and all such
          information relating to the Company as may be reasonably requested by
          or on behalf of the Purchaser to undertake and conduct a full due
          diligence (including but without limitation, in all legal, financial
          and commercial aspects) against the Company and be permitted to take
          copies of any such books, documents, title deeds, records and accounts
          and that the directors and employees of the Company shall be
          instructed to give promptly all such information and explanations to
          any such persons as aforesaid as may be requested by it or them.

     (c)  Each of the Vendors shall jointly and/or severally ( as the case may
          be ) deliver or procure the delivery to the Purchaser of all the
          following:

          (i)  all constitutional documents, contracts, minute books and records
               (which shall be written up to date as at Completion);

          (ii) copies of the business license, the name of the shareholders, the
               copies of the shareholders' identity card, the structure of the
               shareholding and financial statements of the Company;

                                       4

<PAGE>

          (iii) other documentsi(cent)letters and material which the Purchaser
               may require;

     (d)  The Vendors shall hold a shareholder meeting approving the following
          items according to the Purchaser's requirements:

          (i)  the sale and purchase of the Sale Interests;

          (ii) amending the constitution of the Company according to the
               Purchaser;

     (e)  The Vendors shall complete the change procedures regards to the Sale
          Interests in relevant Commercial and Industrial bureau and inform the
          Purchaser all the relevant letters, ratification documents and other
          relevant documents regards to the above the change procedures..

     3.2  On Completion, The Vendors shall meet the following requirements:

     a)   The Purchaser having completed its due diligence (including without
          limitation, legal, financial and commercial aspects) in respect of the
          Company and its subsidiaries referred to in Clause 3.1 and the results
          of which are, in the absolute opinion of the Purchaser, satisfactory
          and acceptable to the Purchaser in all respects;

     b)   If so required, passing of necessary resolutions by shareholders of
          the Purchaser at a shareholder meeting approving (i) the purchase of
          the Sale Interests from the Vendors and (ii) this Contract.

     c)   The Purchaser shall procure that the directors of the board of Fintel
          Company make the resolutions and approve: the allotment and issue of
          the Consideration Shares to the Vendors credited as fully paid;

     d)   the Purchaser having obtained a legal opinion issued by a qualified
          lawyer (acceptable by the Purchaser) in respect of:

          (i)  the legality and validity of this Contract and the transactions
               contemplated herein;

          (ii) the completion of all necessary procedures and obtaining of all
               necessary approvals regarding the sale and purchase of the Sale
               Interests;

          (iii) no change in the permitted scope business of the Company after
               the transfer of the Sale Interests; (iv) all other matters
               reasonably requested by the Purchaser.

     3.3  When any of the conditions set out in the Clause 3.1 has been
          satisfied by the Vendors, unless that the Purchaser may by notice in
          writing inform the Vendors to waive any of the conditions set out in
          Clause 3.1, the Purchaser shall procure Fintel Company to allot, issue
          and credit the Consideration Shares to the Vendors as fully paid.

     3.4  From the date of this Contract to the Completion Date, the Purchaser
          has the rights at any time in writing to inform the Vendors to waive
          any of the conditions set out in Clauses 3.1; the Vendors also have
          the rights at any time in writing to inform the Purchaser to waive any
          of the conditions set out in Clause 3.2 from the date of this Contract
          to the Completion Date.

                                       5

<PAGE>

     3.5  The Completion Date is not later than the Long Stop Date, otherwise,
          any of Parties can terminate this Contract.

     3.6  Clauses 5 to Clause 13 shall survive the Completion.

4.   CONSIDERATION

     4.1  The Consideration for the sale and purchase of the Sale Interests
          shall be the sum of RMB682,500 equal to US$ 82,727(1USD=RMB8.25) which
          shall be satisfied by the Purchaser in the following manner:

          i.   RMB682,500, being payment and consideration for 19.5% of the
               entire equity interest in the registered capital of the Company ,
               shall be satisfied by the Purchaser procuring the Fintel Company
               to allot, issue and credit the Consideration Shares to the
               Vendors in the Relevant Proportions as fully paid; The Purchaser
               shall not be obliged to complete the purchase of any of the Sale
               Interests unless the purchase of all the Sale Interests is
               completed simultaneously.

     4.2  The Vendors shall notify the Purchaser in writing at least ten (10)
          Business Days before the Completion Date of the name(s) and other
          particulars of the registered holder(s) of the Consideration Shares
          and the board lot denomination of the share certificate(s) in respect
          of the Consideration Shares to be issued to them or their nominee(s)
          and all necessary information and details as is reasonably required to
          enable the share registrars of the Fintel Company to issue the
          definitive share certificates for such Consideration Shares upon
          Completion.

     4.3  The Vendors understand that the Consideration Shares will not be
          registered under the U.S. Securities Act. The Vendors also understand
          that the Consideration Shares are being allotted and issued pursuant
          to an exemption from registration contained in the U.S. Securities Act
          based in part upon the Vendors' representations contained in this
          Contract. The Vendors hereby represent and warrant as follow:

          (a)  Vendors bear economic risk: the Vendors have substantial
               experience in evaluating and investing in private placement
               transactions of securities in companies similar to the Purchaser
               so that it is capable of evaluating the merits and risks of its
               investments in the Purchaser and have the capacity to protect its
               own interests. The Vendors are able to bear the economic risk of
               this investment;

          (b)  Acquisition for own account: the Vendors are acquiring the
               Consideration Shares for their respective own account for
               investment only, and not with a view towards their distribution;

          (c)  Vendors can protect their interest: the Vendors represent that by
               reason of their management, business or financial experience, the
               Vendors have the capacity to protect their own interests in
               connection with the transactions contemplated in this Contract.
               Further, the Vendors are aware of no publication of any
               advertisement in connection with the transactions contemplated in
               this Contract;

          (d)  Company information: the Vendors have had an opportunity to
               discuss the Purchaser's business, management and financial
               affairs with directors, officers and management of the Purchaser
               and have had the opportunity to review the Purchaser's operations
               and facilities. The Vendors have also had the opportunity to ask
               questions of and receive answers from the Purchaser and its
               management regarding the terms and conditions of this investment;
               Purchaser will provide balance sheet and income statement to
               Vendors.

                                       6

<PAGE>

          (e)  Rule 144: The Vendors have been advised or are aware of the
               provisions of Rule 144 promulgated under the U.S. Securities Act,
               which permits limited resale of shares purchased in a private
               placement subject to the satisfaction of certain conditions;

          (f)  Legends: The Vendors understand and agree that the Purchaser will
               cause the legends set forth below or legends substantially
               equivalent thereto, to be placed upon any certificate(s)
               evidencing ownership of the Consideration Shares, together with
               any other legends that may be required by state or federal
               securities laws, or by the Articles of Association and Bye laws
               of the Company, or by any other agreement between the Vendors and
               the Purchaser or between the Vendors and any third party:

               THE SECURITIES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED UNDER
               THE SECURITIES ACT OF 1933, AS AMENDED (THE "ACT"), OR UNDER THE
               SECURITIES LAWS OF CERTAIN STATES. THESE SECURITIES ARE SUBJECT
               TO RESTRICTIONS ON TRANSFERABILITY AND RESALE AND MAY NOT BE
               TRANSFERRED OR RESOLD EXCEPT AS PERMITTED UNDER THE ACT AND THE
               APPLICABLE STATE SECURITIES LAWS, PURSUANT TO REGISTRATION OR
               EXEMPTION THEREFROM. INVESTORS SHOULD BE AWARE THAT THEY MAY BE
               REQUIRED TO BEAR THE FINANCIAL RISKS OF THIS INVESTMENT. THE
               ISSUER OF THESE SECURITIES MAY REQUIRE AN OPINION OF COUNSEL IN
               FORM AND SUBSTANCE SATISFACTORY TO THE ISSUER TO THE EFFECT THAT
               ANY PROPOSED TRANSFER OR RESALE IS IN COMPLIANCE WITH THE ACT AND
               ANY APPLICABLE STATE SECURITIES LAWS.

     4.4  The Purchaser agrees that upon expiry of the Restricted Trading
          Period, upon presentation of the Consideration Shares to Purchaser,
          under the terms and conditions of this Contract, Purchaser will
          commerce within 7 business days all necessary formalities and
          registration procedures as may be required under the U.S. Securities
          Act and the applicable State securities law to enable the
          Consideration Shares becoming freely transferable and resalable.

5.   THE SHAREHOLDERS MEETING, BOARD AND MANAGEMENT OF THE COMPANY

     5.1  The shareholders meeting which is formed by all shareholders shall be
          the highest power organization of the Company. The way and the
          procedures of discussing business in the shareholders meeting and the
          scope of power of the shareholders meeting shall be ruled by British
          Virgin Islands' relevant laws and the Company's constitution amended
          under Clause 3.1 of this Contract.

     5.2  The Company shall set up the Board, the members of the Board are not
          more than 5 people and the Purchaser has the rights to designate 1
          director in the Board. The business and operations of the Group shall
          be managed by the Board.

     5.3  The Chairman of the Board and the legal representative of the Company
          shall be nominated and appointed by the Board.

     5.4  The financial controller and/or the chief financial officer of the
          Company shall be nominated and appointed by the Board.

                                       7

<PAGE>

     5.5  The scope of the power, the rules and the way of discussing the
          business in the Board and the matters which are not concerned in
          Clause 5 are ruled by British Virgin Islands' relevant laws and the
          Company's constitution amended under Clause 3.1 of this Contract.

     5.6  The General Manager takes charge of the Company under the leading of
          the Board. The scope of the power, the rules and the way of discussing
          the business of the General Manager are ruled by British Virgin
          Islands' relevant laws and the Company's constitution amended under
          Clause 3.1 of this Contract.

6.   DISPOSAL OF CONSIDERATION SHARES

     Each of the Vendors agrees and acknowledges that the Consideration Shares
     are subject to the United States Securities and Exchange Commission ("SEC")
     Rule 144 and in particular, hereby jointly and severally undertakes to and
     covenants with the Purchaser and the Fintel Company that it will not,
     during the Restricted Trading Period, dispose of (including without
     limitation by the creation of any option, charge or other Encumbrance or
     rights over or in respect of) any of the Consideration Shares or any
     interests therein owned by it/him/her or in which it/he/she is, directly or
     indirectly, interested immediately after Completion.

7.   WARRANTIES

     7.1  THE WARRANTIES FROM THE VENDORS

          1.   The Company is a company with limited liability duly established
               and validly existing under the laws of British Virgin Islands and
               has the corporate powers and authorizes to carry on the business
               presently carried on by it and to own and hold the assets used
               therewith. Each member of the Company are duly established and
               validly existing under the laws of the place of its incorporation
               and has the corporate powers and authorizes to carry on the
               business presently carried on by it and to own and hold the
               assets used therewith.

          2.   The facts and information set out in the recitals and Clause
               3.1(C), the Schedules and all documents attached are true and all
               information which has been provided in writing to the Purchaser
               or its representatives or advisers by the Vendors or by any
               Director, officer or other official of the Company by its
               professional advisers or other agents was when given and is now
               true and accurate in all material respects. There is no fact or
               matter which has not been disclosed which renders any such
               information untrue, inaccurate or misleading or the disclosure of
               which might reasonably affect the willingness of a willing
               purchaser to purchase the Sale Interests in accordance with the
               provisions of this Agreement.

          3.   The information disclosed to the Purchaser or its representatives
               or professional advisers, by the Vendors and the directors,
               officers or other officials of the Company regarding its current
               status or prospects comprises all information which is material
               for the reasonable assessment of the financial and trading
               prospects of the Company or its subsidiaries as a whole.

                                       8

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          4.   The copy of the memorandum and articles of association of the
               Company which have been provided to the Purchaser are true and
               complete in all respects and have embodied in them or annexed to
               them a copy of every such resolution and agreement required by
               law to be annexed thereto and the Company has at all times
               carried on its business and affairs in all respects in accordance
               with its respective memorandum and articles of association and
               all such resolutions and agreements.

          5.   The Sale Interests at the date of this Agreement are fully paid
               up and are legally owned by the Vendors. There is not any
               guarantees , mortgages or pledges and other forms of third
               party's benefit on, over or affecting the Sale Interests.

          6.   The accounting systems of the Company and its subsidiaries comply
               with `the Accounting Law of British Virgin Islands' and other
               relevant accounting regulations and laws. All the books of the
               account of the Company and its subsidiaries are true and accurate
               in all material respects and there is no loss at the Date of the
               Balance Sheet of the Company;

          7.   At the Date of the Balance Sheet and the future, the Vendors
               shall disclose a true and fair view of the assets and liabilities
               of the Company and its subsidiaries and its profits for the
               financial year ended on such date and the future;

          8.   Every financial year the Vendors and the Purchaser shall hire the
               qualified and licensed CPA to audit the Company.

          9.   On Completion Date, the audited net assets of the Company( the "
               Audited net assets) is not less than the net assets on the Date
               of the Balance Sheet(the "Promised net assets").

          10.  The Company and its subsidiaries have paid all the taxes before
               the Completion or will pay all the taxes according to the tax
               laws and regulations and disclose all tax evasion or legally tax
               evasions or other tax problems which can seriously affect the
               Purchaser's intent to purchase the Sale Interests. The Company
               and its subsidiaries haven't or will not pay any fine, penality
               and interests according to the tax laws , regulations and rules.
               The Company and its subsidiaries have not in the last 3 years
               been the subject of a discovery, audit or investigation by any
               Taxation authority and there are no facts which are likely to
               cause a discovery, audit or investigation to be made.

          11.  The Vendors covenant and undertake that prior to Completion and
               without the prior written consent of the Purchaser, the Vendors
               shall procure that the Company and its subsidiaries shall not:

               a.   incur any expenditure on capital account or enter into any
                    option in respect of any part of its assets;
               b.   dispose of or agree to dispose of or grant any option in
                    respect of any part of its assets;
               c.   borrow any money or make any payments out of or drawings on
                    its bank account(s) other than routine payments;
               d.   enter into any unusual or abnormal contract or commitment;
                    e. make any loan;
               f.   enter into any leasing, hire, purchase or other agreement or
                    arrangements for payment on deferred terms;
               g.   declare, make or pay any dividend or other distribution or
                    do or suffer anything which may render its financial
                    position less favourable than as at the date of this
                    Agreement;
               h.   grant or issue or agree to grant or issue any mortgages,
                    charges, debentures or other securities or give or agree to
                    give any guarantees or indemnities;
               i.   make any change in the terms and conditions of employment or
                    pension benefits of any of its directors or employees or
                    employ or terminate (other than for good cause) the
                    employment of any person;
               j.   create, issue or grant any option in respect of any class of
                    share or loan capital or agree so to do;
               k.   in any other way depart from the ordinary course of its
                    respective day-to-day business either as regards the nature
                    scope or manner of conducting the same;
               l.   voluntarily contravene or fail to comply with any material
                    obligation, statutory or otherwise; and
               m.   do anything whereby its financial position will be rendered
                    less favourable than at the date hereof.

                                       9

<PAGE>

     7.2  THE WARRANTIES FROM THE PURCHASER

          1.   The Company is a company duly established and validly existing
               under the laws of the Hongkong and has the corporate powers and
               authorises to carry on the business presently carried on by it
               and to own and hold the assets used therewith. The Fintel Company
               is a listed company duly established and validly existing under
               the laws of USA.

          2.   The Purchaser procure that Fintel Company will issue the
               Consideration Shares according to the terms and conditions of
               this Contract.

8.   THE LIABILITIES OF THE BREACH OF THE CONTRACT

     8.1. The Vendors and Purchaser shall fulfilled the Contract properly and in
          time, Should all or part of this Contract be unable to be fulfilled
          owing to the fault of one party, the breaching party shall bear the
          responsibilities thus caused.

     8.2. Should the Vendors break the warranties regulated in Clause 7.1 and
          cause the Purchaser's economic loss and expenses (including the legal
          fees), the Vendors shall bear the responsibilities thus caused.

     8.3. Should the Vendors break the warranties regulated in Clause 7.1, the
          Vendors shall pay back to the Purchaser with the difference of Audited
          net assets and Promised net assets.

9.   PRICE ADJUSTMENT

     9.1  If the 12 months, 24 months and 36 months of Restricted Trading Period
          are over, the value of the freely transferable Consideration Shares
          which the Vendors or their designated persons are owner, that is the
          freely transferable Consideration Shares x the average price of 30
          trading days before the end of Restricted Trading Period, is less than
          the twice of the value of the freely transferable Consideration Shares
          on Completion Date, the Vendors inform the Purchaser in written
          note(the Vendors' note) and ask the Purchaser execute the following
          price adjustments. The Purchaser shall choose one of the following
          ways to execute the price adjustments within 30 business days after
          the Vendors' note.

          A)   to pay back cash according to the following formula: the Cash
               paid back = the twice of the value of freely transferable
               Consideration Shares on Completion Date -(the freely transferable
               Consideration Shares x the average price of 30 trading days
               before the Restricted Trading Period(including the ending day of
               the Restricted Trading Period));

          B)   procure the Fintel Company issue and allot new restricted shares
               of the Fintel Company in the name of the Vendors or their
               nominees, which are restricted according to Rule 144 promulgated
               under the U.S Securities Act and are calculated by the Cash paid
               back / the average share price of 30 business days before the
               Restricted Trading Period(including the ending day of the
               Restricted Trading Period).

     9.2  If the value of the freely transferable Consideration Shares on the
          ending days of the Restricted Trading Period and the days that the
          Vendors sell is more than twice of the value of the freely
          transferable Consideration Shares on Completion, the Purchaser shall
          have the rights to share 50% of difference.

     9.3  If the Company is listed in any security exchange board after within
          12 months after the Completion, the Clause 9 of the Contract shall be
          not valid.

10.  TERMINATION AND AMENDMENTS

     10.1 The Vendors and the Purchaser can agree in writing to terminate this
          Contract after negotiations.

     10.2 The Vendors and the Purchaser can terminate this Contract according to
          the following conditions:

          1.   Should this Contract be unable to be fulfilled materially due to
               the Force Majeure, the Vendors and the Purchaser have the rights
               to terminate this Contract without any liabilities.

                                       10

<PAGE>

          2.   Should one party be unable to fulfil this Contract improperly and
               cause to break this Contract fundamentally, the party who abides
               by this Contract has the rights to terminate this Contract, the
               breaching party shall bear the responsibilities thus caused.

          3.   other conditions regulated by the relevant laws.

11.  CONFIDENTIALITY AND ANNOUNCEMENTS

     11.1. Each of the parties undertakes to the others that it will not, at any
          time after the date of this Agreement, divulge or communicate to any
          person other than to its professional advisers, or when required by
          law or any rule of any relevant stock exchange body or regulatory
          authorities, or to its respective officers or employees whose province
          is to know the same any confidential information concerning the
          business, accounts, finance or contractual arrangements or other
          dealings, transactions or affairs of any of the others which may be
          within or may come to its knowledge and it shall use its best
          endeavours to prevent the publication or disclosure of any such
          confidential information concerning such matters.

     11.2. No public announcement or communication of any kind shall be made in
          respect of the subject matter of this Agreement unless specifically
          agreed between the parties or unless an announcement is required
          pursuant to the applicable laws and the regulations or the
          requirements of any relevant stock exchange or any other regulatory
          body or authority. Any announcement by any party required to be made
          pursuant to any relevant laws or regulation or the requirements of the
          relevant stock exchange or any other regulatory body or authority
          shall be issued only after such prior consultation with the other
          party as is reasonably practicable in the circumstances.

12.  GOVERNING LAW AND JURISDICTION

     12.1. This Agreement shall be governed by and construed in accordance with
          the laws of Hong Kong.

     12.2. Any dispute, controversy or claim arising out of or relating to this
          Agreement, or the breach termination or invalidity thereof, shall be
          settled firstly by friendly negotiations ; In case no settlement can
          be reached through consultations, the disputes shall be submitted to
          the jurisdictional Court in HongKong.

13.  MISCELLANEOUS

     13.1. This Contract constitutes the entire agreement between the parties
          hereto with respect to the matters dealt with herein and supersedes
          all previous agreements, arrangements, statements, understandings or
          transactions between the parties hereto in relation to the matters
          hereof and the parties acknowledge that no claim shall arise in
          respect of any agreement so superseded.

     13.2. Any variation to this Agreement shall be binding only if recorded in
          a document signed by all the parties hereto.

     13.3. The obligations, liabilities (including without limitation, breach of
          Warranties) and undertakings of the Vendors shall be joint and
          several.

     13.4. This Agreement shall be binding upon and ensure for the benefit of
          the successors of the parties but shall not be assignable.

     13.5. All provisions of this Agreement, in so far as the same shall not
          have been performed at Completion, shall remain in full force and
          effect notwithstanding Completion.

     13.6. If any provision of this Agreement shall be held to be illegal or
          unenforceable, the enforceability of the remainder of this Agreement
          shall not be affected.

     13.7. The Purchaser shall not be responsible for any government fees and
          tax and other additional expenses(including lawyer fees) caused by the
          Vendors according to this Contract.

                                       11

<PAGE>

IN WITNESS WHEREOF THIS CONTRACT HAS BEEN DULY EXECUTED BY ALL PARTIES HERETO
THE DAY AND YEAR FIRST ABOVE WRITTEN.

THE VENDORS

PAVLOVA LIMITED

ASIA TIMES LIMITED

LU YONGCHAO

CHEN ZHONGWEN

THE PURCHASER
FINTEL GROUP LTD.(STAMP)
AUTHORIZATION

                                       12

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