Document:

EXHIBIT 10.1

                                   DATED 2004

                                 THE VENDORS (1)

                                       AND

                         RS GROUP OF COMPANIES, INC. (2)

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                                    AGREEMENT
                     FOR THE SALE AND PURCHASE OF 49% OF THE
                             ISSUED SHARE CAPITAL OF
                        DASHWOOD, BREWER & PHIPPS LIMITED

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                       [GRAPHIC OMITTED][GRAPHIC OMITTED]

                                  51 Eastcheap
                                 London EC3M 1JP
                               Tel: 020 7623 1244
                               Fax: 020 7623 5427
                              Ref: JOG/GMT/0302012

<PAGE>

                                    CONTENTS

1.    DEFINITIONS AND INTERPRETATION ..................................... 1

2.    SALE AND PURCHASE .................................................. 4

3.    CONSIDERATION ...................................................... 4

4.    COMPLETION ......................................................... 5

5.    WARRANTIES ......................................................... 7

6.    LIMITATION ON LIABILITY ............................................ 8

7.    INTEREST ........................................................... 9

8.    PAYMENTS ........................................................... 9

9.    ANNOUNCEMENTS ..................................................... 10

10.   FURTHER ASSURANCE ................................................. 10

11.   WAIVER ............................................................ 10

12.   ENTIRE AGREEMENT .................................................. 11

13.   VARIATION ......................................................... 12

14.   GENERAL ........................................................... 12

15.   COSTS ............................................................. 12

16.   ASSIGNMENT ........................................................ 12

17.   COUNTERPARTS ...................................................... 13

18.   NOTICES ........................................................... 13

19.   GOVERNING LAW AND JURISDICTION .................................... 14

SCHEDULE ................................................................ 15

   THE VENDORS .......................................................... 15

<PAGE>

THIS AGREEMENT is made on                            2004

BETWEEN:

(1)      THE PERSONS whose names and addresses are set out in column (1) of the
         Schedule (the "VENDORS"); and

(2)      RS GROUP OF COMPANIES, INC. (a company incorporated in the State of
         Florida, U.S.A.) whose corporate address is 200 Yorkland Blvd., Suite
         200, Toronto, Ontario, M2J 5C1 (the "PURCHASER").

IT IS AGREED as follows:

1.       DEFINITIONS AND INTERPRETATION

1.1      In this Agreement, unless the context otherwise requires, the following
         expressions shall have the meanings set opposite them:

         "ACT"                        the Companies Act 1985;

         "BUSINESS DAY"               a day other than a Saturday or Sunday or a
                                      bank holiday or public holiday in England
                                      and Wales;

         "CLAIM"                      a claim by the Purchaser involving or
                                      relating to a breach of a Warranty, a
                                      representation or any provision of this
                                      Agreement;

         "COMPANY"                    Dashwood, Brewer & Phipps Limited (a
                                      company incorporated in England & Wales
                                      with registered number 687923);

         "COMPLETION"                 completion of the sale and purchase of the
                                      Sale Shares pursuant to clause 4;

<PAGE>

         "ESCROW                      ACCOUNT" the bank account to be opened in
                                      the joint names of the Purchaser and the
                                      Company with Natwest Bank Plc, 15
                                      Bishopsgate, London EC2P 2AP;

         "ESCROW                      AGREEMENT" the agreement, in the agreed
                                      form, between the Purchaser (1), the
                                      Company (2) and the Vendors (3), regarding
                                      the operation of the Escrow Account;

         "ESCROW TERMS"               the joint bank mandate between RSC and DBP
                                      in relation to the Escrow Account;

         "NASDAQ"                     the exchange known as NASDAQ;

         "NEW ARTICLES OF             the new articles of association, in the
          ASSOCIATION"                agreed form, to be adopted by the Company;

         "SALE                        SHARES" the ordinary shares of (pound)1
                                      each in the capital of the Company set out
                                      in the Schedule, which constitute 49% of
                                      the issued share capital of the Company;

         "VENDORS' SOLICITORS"        Clyde & Co. of 51 Eastcheap, London EC3M
                                      1JP (Ref: JOG/GMT/0302012); and

         "WARRANTIES"                 the statements contained or referred to in
                                      clause 5.1 (and "WARRANTY" means any one
                                      of them).

1.2      In this Agreement (except where the context otherwise requires):

         (a)      words in the singular include the plural and vice versa and
                  words importing any gender include every gender;

         (b)      references to persons include individuals, firms,
                  partnerships, companies, corporations, unincorporated
                  associations, governments, authorities, agencies and trusts
                  (in each case, whether or not having separate legal
                  personality);

                                       2

<PAGE>

         (c)      any phrase introduced by the terms "INCLUDING", "INCLUDE", "IN
                  PARTICULAR" or any similar expression shall be construed as
                  illustrative and shall not limit the sense of the words
                  preceding those terms;

         (d)      references to "LIABILITIES" are to all liabilities of any
                  nature whatsoever, including actual or contingent liabilities
                  and unquantified or disputed liabilities (and "LIABILITY"
                  shall be construed accordingly);

         (e)      a reference to a statute or statutory provision includes a
                  reference to any subordinate legislation made under it from
                  time to time and a reference to a statute, statutory provision
                  or subordinate legislation includes a reference to:

                  (i)      any statute, statutory provision or subordinate
                           legislation which it re-enacts or replaces (with or
                           without modification); and

                  (ii)     such statute, statutory provision or subordinate
                           legislation as from time to time amended, re-enacted
                           or replaced (whether before or after the date of this
                           Agreement) save to the extent that any such
                           amendment, re-enactment or replacement which takes
                           effect after the date of this Agreement would impose
                           any new or extended obligation or liability on, or
                           otherwise adversely affect the rights of, any party;

         (f)      any reference to a document being "IN THE AGREED FORM" means a
                  document in the form agreed by the parties to it and signed or
                  initialled for the purposes of identification by them or on
                  their behalf, with such alterations (if any) as may
                  subsequently be agreed by or on behalf of such parties;

         (g)      references to clauses and the Schedule are to clauses of, and
                  the Schedule to, this Agreement;

         (h)      the table of contents and clause headings are included for
                  ease of reference only and shall not affect the interpretation
                  of this Agreement;

         (i)      all references in this Agreement to time are to U.K. time; and

                                       3

<PAGE>

         (j)      any reference to any English legal term for any action,
                  remedy, method of judicial proceeding, legal document, legal
                  status, court, official or any legal concept or thing shall,
                  in respect of any jurisdiction other than England, be deemed
                  to include a reference to the term which most nearly
                  approximates in that jurisdiction to the English legal term.

1.3      The Schedule forms part of this Agreement and shall have effect as if
         set out in full in the body of this Agreement, and any reference to
         this Agreement includes the Schedule.

2.       SALE AND PURCHASE

2.1      Each of the Vendors shall sell the Sale Shares to the Purchaser with
         full title guarantee.

2.2      Each of the Vendors shall sell and the Purchaser shall purchase the
         Sale Shares fully paid and free from all claims, liens, charges and
         encumbrances, and together with all benefits and rights attaching to
         the Sale Shares, including all dividends and other distributions
         declared on or after the date of Completion (but excluding all
         dividends and other distributions declared prior to the date for
         Completion, whether or not paid or made by such date).

2.3      Each of the Vendors irrevocably and unconditionally waives all
         pre-emption rights and any other rights of first refusal he may have in
         relation to any of the Sale Shares under the articles of association of
         the Company or otherwise.

3.       CONSIDERATION

3.1      The aggregate consideration shall be the sum of (pound)1,475,426.25
         (being (pound)3.75 per Sale Share) which shall be payable by the
         Purchaser in cash on Completion.

3.2      The consideration shall be apportioned between the Vendors in the
         manner set out in column (3) of the Schedule.

                                       4

<PAGE>

4.       COMPLETION

4.1      Completion shall take place at the offices of the Vendors' Solicitors
         on a date which is not earlier than 31 December 2004 and not later than
         5 Business Days after 31 December 2004.

4.2      On Completion:

         (a)      each Vendor will deliver to the Purchaser:

                  (i)      duly executed transfers of the Sale Shares held by
                           him in favour of the Purchaser (or as it directs)
                           together with any power of attorney under which such
                           transfers have been executed;

                  (ii)     the certificates representing the Sale Shares; and

                  (iii)    any waiver, consent or other document necessary to
                           give the Purchaser (or its nominees) full legal and
                           beneficial ownership of the Sale Shares; and

         (b)      each Vendor shall approve, or vote in favour of, a resolution
                  to adopt the New Articles of Association.

4.3      Immediately upon the signing of this Agreement and on Completion, the
         Purchaser will deliver to the Vendors' Solicitors a legal opinion,
         addressed to the Vendors and the Company, in a form acceptable to the
         Vendors and the Company, confirming that:

         (a)      the Purchaser is a corporation duly incorporated and validly
                  existing under the laws of the State of Florida, U.S.A.;

         (b)      the Purchaser has all necessary corporate power, authority and
                  capacity to enter into this Agreement and to perform its
                  obligations hereunder and this Agreement constitutes a valid
                  and binding obligation of the Purchaser, enforceable against
                  it in accordance with the terms hereof; and

                                       6

<PAGE>

         (c)      no governmental or regulatory authorisation, approval, order,
                  consent or filing is required on the part of the Purchaser in
                  connection with the execution, delivery and performance of
                  this Agreement or any documents or agreements to be delivered
                  under this Agreement.

4.4      The Vendors will use their reasonable endeavours to procure that a
         board meeting of the Company is held at which the directors of the
         Company shall resolve to:

         (a)      register the transfers of the Sale Shares to the Purchaser or
                  as it directs (subject to stamping); and

         (b)      appoint such person as the Purchaser nominates as a director
                  of the Company.

4.5      Upon Completion the Purchaser will pay the consideration stated in
         clause 3.1 by means of an electronic funds transfer to the account of
         the Vendors' Solicitors with National Westminster Bank PLC, City of
         London Office, PO Box 12258, 1 Princes Street, London EC2R 8PA, Sort
         Code 60-00-01 and account number 13569732.

4.6      Without prejudice to the obligation of the Purchaser to pay the
         consideration pursuant to clause 4.5, the parties acknowledge that the
         Purchaser may pay the consideration stated in clause 3.1:

         (a)      by an electronic funds transfer of the balance standing to the
                  credit of the Escrow Account to the account set out in clause
                  4.5; and/or

         (b)      if the said consideration exceeds the amount standing to the
                  credit of the Escrow Account referred to in clause 4.6(a)
                  above, the difference shall be payable by the Purchaser in
                  accordance with clause 4.5 to the account set out in clause
                  4.5.

4.7      None of the parties is obliged to complete this Agreement unless:

         (a)      the other parties comply with all their obligations under
                  clause 4; and

         (b)      the purchase of all the Sale Shares is completed
                  simultaneously,

                                       6

<PAGE>

         PROVIDED ALWAYS that this clause shall be without prejudice to the
         Vendors' rights under the Escrow Agreement in respect of any breach by
         the Purchaser of clauses 4.3 or 4.5.

4.8      Each of the Vendors hereby undertakes to the Purchaser that so long as
         he remains the registered holder of any of the Sale Shares after
         Completion he will:

         (a)      not represent himself as the beneficial owner of any of the
                  Sale Shares;

         (b)      stand and be possessed of the Sale Shares and (subject to
                  clause 2.2) the dividends and other distributions of profits
                  or surplus or other assets in respect thereof and all rights
                  arising out of or in connection therewith in trust for the
                  Purchaser;

         (c)      at all times hereafter deal with and dispose of the Sale
                  Shares and the dividends, distributions, surpluses, assets and
                  rights referred to in clause 4.8(b) above as the Purchaser may
                  direct;

         (d)      if so requested by the Purchaser:

                  (i)      vote at all meetings which he shall be entitled to
                           attend as the registered holder of the Sale Shares in
                           such manner as the Purchaser may direct; and

                  (ii)     execute all instruments of proxy or other documents
                           which the Purchaser may require and which may be
                           necessary or desirable or convenient to enable the
                           Purchaser to attend and vote at any such meeting.

5.       WARRANTIES

5.1      Each of the Vendors severally warrants to the Purchaser, in respect of
         the Sale Shares set opposite his name in column (2) of the Schedule,
         that at date of this Agreement:

                                       7

<PAGE>

         (a)      the Vendor is the beneficial owner and registered holder of
                  the Sale Shares registered in his name;

         (b)      the Vendor has full power and authority and has taken all
                  action necessary to enter into, deliver and perform this
                  Agreement and the documents to be delivered by the Vendor at
                  Completion, which constitute, or when executed will
                  constitute, valid and binding obligations enforceable in
                  accordance with their terms; and

         (c)      the Sale Shares which are owned by that Vendor are
                  beneficially owned free from encumbrances and rights of third
                  parties and the Vendor will be entitled to transfer the
                  ownership of such Sale Shares to the Purchaser (or as it
                  directs) on the terms of this Agreement without the consent of
                  any third party.

5.2      Immediately before the date of Completion, each Vendor shall be deemed
         to warrant that the Warranties contained in clause 5.1 are true and
         accurate at the date of Completion.

5.3      Each of the Warranties is a separate and independent Warranty and,
         except where expressly stated, no Warranty or other clause in this
         Agreement restricts or limits the extent or application of any other
         Warranty or any other clause.

5.4      The Warranties shall remain in full force and effect notwithstanding
         Completion.

5.5      Any breach of any of the Warranties or any other breach of this
         Agreement by any of the Vendors shall give rise only to an action by
         the Purchaser for damages and shall not entitle the Purchaser to
         rescind or terminate this Agreement.

6.       LIMITATION ON LIABILITY

6.1      In the absence of fraud, dishonesty or wilful concealment (together,
         "PROSCRIBED CONDUCT") by or on behalf of a Vendor, the aggregate
         liability of such Vendor in respect of all Claims shall not exceed the
         amount of the consideration which he is to receive pursuant to this
         Agreement, being that amount set opposite his name in the third column
         of the Schedule.

                                       8

<PAGE>

6.2      No Vendor shall be liable in respect of a Claim unless notice of the
         Claim has been given by or on behalf of the Purchaser to the Vendors'
         Solicitors on or before 31 March 2005.

6.3      No Vendor shall be liable in respect of a Claim to the extent that the
         Claim results from or is increased by:

         (a)      without prejudice to clause 1.2(e) the making of, or any
                  change in, any law (including case law) statute, statutory
                  provision or subordinate legislation (together "LEGAL
                  PROVISIONS") or any change in the interpretation of any legal
                  provision; or

         (b)      the making of or any change in any rule, regulation,
                  interpretation or practice of any government, government
                  department, agency or regulatory authority; or

         (c)      any judgement delivered,

         in each case, after the date of this Agreement and whether or not such
         change purports to be effective retrospectively in whole or in part.

7.       INTEREST

         If the Purchaser defaults in the payment when due of any sum payable by
         it under this Agreement (whether determined by agreement or pursuant to
         an order of a court or otherwise) interest shall be payable by the
         Purchaser on such sum from the date when such payment is due until the
         date of actual payment (as well after as before judgment) at a rate per
         annum of 4 per cent above the base rate from time to time of Natwest
         Bank Plc. Such interest shall accrue from day to day and be compounded
         quarterly.

8.       PAYMENTS

8.1      All amounts due under this Agreement shall be paid in full without any
         deduction or withholding other than as required by law and no party

                                       9

<PAGE>

         shall be entitled to assert any credit, set-off or counterclaim against
         the other in order to justify withholding payment of any such amount in
         whole or in part.

8.2      If any deduction or withholding is required by law to be made by any
         party, that party shall be obliged to pay the receiving party such
         additional amount as will result in the receipt by the receiving party
         of a net amount equal to what it would have been entitled to receive in
         the absence of the requirement to make a deduction or withholding.

9.       ANNOUNCEMENTS

9.1      Subject to clause 9.2, no party may make any public announcement or
         disclosure or issue any communication or publicity relating to the
         subject matter or terms of this Agreement without first obtaining each
         of the other parties' written consent, which shall not be unreasonably
         withheld or delayed.

9.2      Clause 9.1 shall not apply to any announcement, disclosure,
         communication or publicity required by law, by any tax or regulatory
         authority or NASDAQ or any other recognised stock exchange provided
         that the party required to make or issue it has, if practicable,
         consulted with and taken into account the reasonable requirements of
         each of the other parties.

10.      FURTHER ASSURANCE

         Each of the Vendors shall at his own cost and expense use all
         reasonable endeavours to do, or procure to be done, all such further
         acts and things and execute, or procure the execution of, all such
         other documents as the Purchaser may from time to time reasonably
         require for the purpose of giving the Purchaser the full benefit of the
         provisions of this Agreement.

11.      WAIVERS

11.1     The failure to exercise or delay in exercising a right or remedy
         provided by this Agreement or by law does not constitute a waiver by
         any party of the right or remedy or a waiver of other rights or
         remedies and no single or partial exercise of any right or remedy by

                                       10

<PAGE>

         any party will preclude or restrict the further exercise or enforcement
         by any party of any such right or remedy.

11.2     A waiver by any party of a breach of any provision of this Agreement
         does not constitute a waiver of any other breach and shall not affect
         the other provisions of this Agreement. A waiver by any party of a
         breach of any provision of this Agreement shall not (unless the terms
         of the waiver expressly provide otherwise) be construed as a waiver by
         such party of any continuing or subsequent breach of any provision or a
         modification of such provision.

11.3     A waiver of any right under this Agreement is only effective if it is
         in writing, and any such waiver shall (unless the terms of the waiver
         expressly provide otherwise) apply only to the party to whom the waiver
         is addressed and the circumstances for which it is given.

12.      ENTIRE AGREEMENT

12.1     This Agreement, the Escrow Agreement and the Escrow Terms constitute
         the entire agreement and understanding between the parties relating to
         its subject matter and supersedes any and all previous agreements,
         arrangements and/or understandings (whether written or oral) between
         the parties relating to such subject matter.

12.2     Each of the parties acknowledges and agrees that:

         (a)      in entering into this Agreement it does not rely on, and shall
                  have no remedy in respect of, any statement, representation,
                  warranty or understanding (whether negligently or innocently
                  made) of any person (whether a party to this Agreement or not)
                  other than as are expressly set out in this Agreement; and

         (b)      the only remedy available to it under or in respect of this
                  Agreement shall be for breach of contract under terms of this
                  Agreement.

12.3     Nothing in this clause shall operate to limit or exclude any liability
         for fraud.

                                       11

<PAGE>

13.      ASSIGNMENT

         A party may not (whether at law or in equity) without the prior written
         consent of each of the other parties (such consent not to be
         unreasonably withheld or delayed) assign, transfer, charge or deal in
         any other manner with this Agreement or any of its rights under this
         Agreement, nor sub-contract any or all of its obligations under this
         Agreement, nor purport to do any of the same.

14.      VARIATION

         No variation of this Agreement shall be effective unless it is in
         writing and signed by or on behalf of each of the parties to this
         Agreement.

15.      GENERAL

15.1     All provisions of this Agreement shall continue in full force and
         effect notwithstanding Completion, except those provisions already
         performed at Completion.

15.2     A person who is not a party to this Agreement has no right under the
         Contracts (Rights of Third Parties) Act 1999 to enforce any term of
         this Agreement but this does not affect any right or remedy of a third
         party which exists or is available apart from that Act.

15.3     If any provision of this Agreement is held to be illegal, void, invalid
         or unenforceable (in whole or in part) by any court or administrative
         body of competent jurisdiction, that provision shall to that extent be
         deemed not to form part of this Agreement but the enforceability of the
         remainder of this Agreement shall not be affected.

16.      COSTS

         In relation to the negotiation, preparation, execution and performance
         of this Agreement and of each document referred to in it, the Purchaser
         shall pay its own costs and the costs of the Vendors shall be paid from
         the moneys held in the Escrow Fund.

                                       12

<PAGE>

17.      COUNTERPARTS

         This Agreement may be executed in any number of counterparts each of
         which when executed shall be an original but all the counterparts shall
         together constitute one and the same instrument.

18.      NOTICES

18.1     Any notice or other communication to be given under this Agreement
         shall be in writing and shall be delivered personally or sent by
         pre-paid first class recorded delivery post (if sent to an address
         which is in the same country to the party giving the notice or
         communication) or by airmail (if sent to an address which is in a
         different country to the party giving the notice or communication) or
         by fax to the parties' respective registered office or other addresses
         set out in this Agreement or as otherwise notified by the relevant
         party from time to time (in accordance with the provisions of this
         clause).

18.2     A notice or other communication given under this Agreement shall be
         deemed to have been received:

         (a)      if delivered personally, upon delivery to the address referred
                  to in clause 18.1;

         (b)      if sent by pre-paid first class recorded delivery post, at 9
                  a.m. on the next Business Day after the date of posting;

         (c)      if sent by airmail, at 9 a.m. on the third Business Day after
                  the date of posting; and

         (d)      if sent by fax, when confirmation of its uninterrupted
                  transmission has been recorded by the sender's fax machine
                  provided that, in such a case, if deemed receipt would
                  otherwise occur before 9 a.m. on a Business Day the notice or
                  other communication shall be deemed to have been received at 9
                  a.m. on that Business Day, and if deemed receipt would
                  otherwise occur after 5 p.m. on a Business Day, or on any day

                                       13

<PAGE>

                  that is not a Business Day, the notice or other communication
                  shall be deemed to have been received at 9 a.m. on the next
                  Business Day.

18.3     For the purposes of this Agreement, notices or other communication
         shall not be validly given if sent by e-mail.

19.      GOVERNING LAW AND JURISDICTION

19.1     This Agreement shall be governed by and construed in accordance with
         English law.

19.2     Each party irrevocably agrees to submit to the exclusive jurisdiction
         of the courts of England and Wales over any claim or matter arising
         under or in connection with this Agreement or the legal relationships
         established by this Agreement.

19.3     The Purchaser irrevocably appoints Charles Napper Hanley of Down Farm,
         Catsfield, East Sussex, TN33 9BN (fax number 01424 830 598) as its
         agent to receive on its behalf in England service of any proceedings
         arising out of or in connection with this Agreement. Such service shall
         be deemed completed on delivery to such agent (whether or not it is
         forwarded to and received by the Purchaser. If for any reason such
         agent ceases to be able to act as agent or no longer has an address in
         England, the Purchaser irrevocably agrees that within 10 Business Days
         it shall appoint a substitute agent acceptable to each of the Vendors
         with an address in England and deliver to each of the Vendors a copy of
         the new agent's acceptance of that appointment, together with its name,
         address and fax number. Nothing contained in this Agreement shall
         affect the right to serve process in any other manner permitted by law.

IN WITNESS of which this Agreement has been entered into on the date set out at
the head of this Agreement.

<PAGE>

                                    SCHEDULE
                                   THE VENDORS

<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------------------------------
                      (1)                                                     (2)                      (3)
                NAME AND ADDRESS                                        NUMBER OF SALE            CONSIDERATION
                  OF VENDORS                                           SHARES TO BE SOLD            ((POUND))
-----------------------------------------------------------------------------------------------------------------
<S>             <C>                                                        <C>                        <C>
     (1)        Lydia Lawrie                                               56,535                     212,006.25
-----------------------------------------------------------------------------------------------------------------
     (2)        Anne Dallmen                                                2,000                       7,500.00
-----------------------------------------------------------------------------------------------------------------
     (3)        D.W. Trust Fund                                            16,824                      63,090.00
-----------------------------------------------------------------------------------------------------------------
     (4)        Rosamond Jane Hills                                         2,666                       9,997.50
-----------------------------------------------------------------------------------------------------------------
     (5)        Ian McDonald                                                  486                       1,822.50
-----------------------------------------------------------------------------------------------------------------
     (6)        Isabella McDonald                                           8,938                      33,517.50
-----------------------------------------------------------------------------------------------------------------
     (7)        Gillian Orbell                                                972                       3,645.00
-----------------------------------------------------------------------------------------------------------------
     (8)        Gary Nicholas Phipps                                       14,005                      52,518.75
-----------------------------------------------------------------------------------------------------------------
     (9)        Mary Norah Phipps                                          40,000                     150,000.00
-----------------------------------------------------------------------------------------------------------------
     (10)       Muriel Joy Richardson                                           1                           3.75
-----------------------------------------------------------------------------------------------------------------
     (11)       Maureen Bobette Robinson                                   58,442                     219,157.50
-----------------------------------------------------------------------------------------------------------------
     (12)       Ann Wallis                                                 15,267                      57,251.25
-----------------------------------------------------------------------------------------------------------------
     (13)       Wendy Caroline Williams                                     9,005                      33,768.75
-----------------------------------------------------------------------------------------------------------------
     (14)       Yessa Limited                                             156,156                     585,585.00
-----------------------------------------------------------------------------------------------------------------
     (15)       Christopher John York                                      12,150                      45,562.50
-----------------------------------------------------------------------------------------------------------------
TOTAL                                                                     393,447            (pound)1,475,426.25
-----------------------------------------------------------------------------------------------------------------
</TABLE>

                                       15
<PAGE>

SIGNED by                           )
duly authorised on behalf of        )
RS GROUP OF COMPANIES, INC.         )

SIGNED by                           )
LYDIA LAWRIE                        )

SIGNED by                           )
ANNE DALLMEN                        )

SIGNED by                           )
duly authorised on behalf of        )
D. W. TRUST FUND                    )

SIGNED by                           )
ROSAMOND JANE HILLS                 )

SIGNED by                           )
IAN MCDONALD                        )

SIGNED by                           )
ISABELLA MCDONALD                   )

SIGNED by                           )
GILLIAN ORBELL                      )

SIGNED by                           )
GARY NICHOLAS PHIPPS                )

SIGNED by                           )
MARY NORAH PHIPPS                   )

                                       16
<PAGE>

SIGNED by                           )
MURIEL JOY RICHARDSON               )

SIGNED by                           )
MAUREEN BOBETTE ROBINSON            )

SIGNED by                           )
ANN WALLIS                          )

SIGNED by                           )
WENDY CAROLINE WILLIAMS             )

SIGNED by                           )
duly authorised on behalf of        )
YESSA LIMITED                       )

SIGNED by                           )
CHRISTOPHER JOHN YORK               )

                                       17EXHIBIT 10.2

                                   DATED 2004

                         RS GROUP OF COMPANIES, INC. (1)

                                       AND

                      DASHWOOD, BREWER & PHIPPS LIMITED (2)

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

                               BROKERAGE AGREEMENT

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

                       [GRAPHIC OMITTED][GRAPHIC OMITTED]
                                  51 Eastcheap
                                     London
                                    EC3M 1JP
                               Tel: 020 7623 1244
                               Fax: 020 7623 5427
                              Ref: JOG/GMT/0302012

<PAGE>

                                      INDEX

1.    INTERPRETATION...................................................... 1

2.    REPRESENTATIONS, WARRANTIES AND UNDERTAKINGS........................ 6

3.    RSGC'S OBLIGATIONS.................................................. 6

4.    COMMISSION.......................................................... 7

5.    GROSS PREMIUMS...................................................... 8

6.    INTRODUCED BROKERS.................................................. 9

7.    TERMINATION........................................................ 10

8.    DATA PROTECTION.................................................... 11

9.    CONFIDENTIALITY.................................................... 12

10.   ASSIGNMENT......................................................... 13

11.   VARIATION.......................................................... 13

12.   ANNOUNCEMENTS...................................................... 13

13.   COSTS.............................................................. 14

14.   AGREEMENT NOT A PARTNERSHIP........................................ 14

15.   GENERAL............................................................ 14

16.   COUNTERPARTS....................................................... 15

17.   NOTICES............................................................ 15

18.   ENGLISH LAW........................................................ 17

SCHEDULE................................................................. 18

EXISTING AGENTS.......................................................... 18

<PAGE>

THIS AGREEMENT is made on                                                2004

BETWEEN:

(1)      RS GROUP OF COMPANIES, INC. (a company incorporated in the State of
         Florida, U.S.A.) whose corporate address is 200 Yorkland Blvd., Suite
         200, Toronto, Ontario, M2J 5C1 ("RSGC"); and

(2)      DASHWOOD, BREWER & PHIPPS LIMITED (registered in England and Wales No.
         687923) whose registered office is at Independent House, 7 Cutler
         Street, London E1 7DJ ("DBP").

BACKGROUND:

(A)      RSGC is a company whose shares are listed in New York on the
         Over-the-Counter Bulletin Board, which offers RSGC's Products as part
         of an affinity programme, via CIL, its subsidiary, and VGV, its
         business partner.

(B)      DBP is a placing broker.

(C)      RSGC hereby appoints DBP, as its broker of choice, to place the
         insurance business in relation to RSGC's Products with Insurers,
         subject to the terms of this Agreement, and agrees to allow DBP
         Commission as remuneration for such services on the terms of this
         Agreement.

(D)      In addition to the Commission, Escrow Commission shall be payable into
         the Escrow Account.

IT IS AGREED as follows:

1.       INTERPRETATION

1.1      In this Agreement, unless the context otherwise requires, the following
         expressions shall have the following meanings:

<PAGE>

         "APPLICABLE REGULATIONS"     all statutory and other laws, rules,
                                      regulations and provisions from time to
                                      time in force relating to the subject
                                      matter of or having an impact on this
                                      Agreement, including (without limitation)
                                      the Financial Services and Markets Act
                                      2000, the DPA, and the rules, codes of
                                      conduct, codes of practice, practice
                                      requirements and accreditation terms
                                      stipulated by any regulatory authority or
                                      body (including the FSA, the GISC and
                                      Lloyd's);

         "BUSINESS DAY"               a day other than a Saturday or Sunday or
                                      public holiday in England and Wales;

         "CIL"                        Canadian Intermediaries Limited (a company
                                      incorporated in Canada, under The Canada
                                      Business Corporations Act), which is a
                                      subsidiary of RSGC;

         "COMMISSION"                 the commission allowed to DBP pursuant to
                                      clause 4.1;

         "CONFIDENTIAL INFORMATION"   information (however stored) relating to
                                      or connected with the business, products
                                      services, clients, customers, suppliers or
                                      financial or other affairs of a party to
                                      this Agreement, including information
                                      concerning or relating to RSGC's Products,
                                      Insureds, Insurers, Gross Premiums,
                                      intellectual property, any technical
                                      process, or the marketing of goods or
                                      services and any other matters concerning
                                      the clients, customers or suppliers of, or
                                      other persons having dealings with, such
                                      party;

                                       2

<PAGE>

         "DPA"                        the Data Protection Act 1998;

         "ESCROW                      ACCOUNT" the bank account to be opened in
                                      the joint names of RSGC and DBP with
                                      Natwest Bank plc, 15 Bishopsgate, London
                                      EC2P 2PA (or such other account as the
                                      parties may from time to time designate);

         "ESCROW COMMISSION"          the commission allowed to RSGC and
                                      credited to the Escrow Account pursuant to
                                      clause 4.2;

         "ESCROW TERMS"               the joint bank mandate between RSGC and
                                      DBP in relation to the Escrow Account;

         "EXISTING                    AGENTS" those intermediaries who, as at
                                      the date of this Agreement, place the
                                      insurance business in relation to RSGC's
                                      Products on behalf of RSGC, as set out in
                                      the Schedule;

         "FSA"                        the Financial Services Authority (or any
                                      successor to it);

         "GISC"                       the General Insurance Standards Council (a
                                      company limited by guarantee and
                                      registered in England and Wales under
                                      number 3705388) (or any successor to it);

                                       3
<PAGE>

         "GROSS PREMIUMS"             the gross premiums in respect of RSGC's
                                      Products payable by, or on behalf of,
                                      Insureds, to Insurers;

         "INSUREDS"                   persons whose risks are insured under
                                      RSGC's Products;

         "INSURERS"                   those insurers (including syndicates at
                                      Lloyd's) with which DBP places the
                                      insurance business in relation to RSGC's
                                      Products;

         "INTRODUCED BROKERS"         the brokers introduced by RSGC to DBP
                                      pursuant to clause 6.1;

         "INTRODUCTORY COMMISSION"    the commission payable by DBP into the
                                      Escrow Account pursuant to clause 6.3;

         "LLOYD'S"                    Lloyd's of London; and

         "RSGC GROUP"                 RSGC, any subsidiary or subsidiary
                                      undertaking of RSGC, any holding company
                                      of RSGC and any subsidiary or subsidiary
                                      undertaking of any such holding company,
                                      from time to time;

         "RSGC'S PRODUCTS"            RSGC's Products offered by CIL, VGV, or
                                      any member of the RSGC Group in relation
                                      to which DBP places the insurance business
                                      with Insurers, including rent guarantee
                                      insurance, F.A.C.T., mortgage indemnity
                                      insurance, time-share value guarantee
                                      protection, utility underwriting - Toronto
                                      Hydro and Hamilton Hydro, and such other
                                      RSGC's Products as the parties may, from
                                      time to time, agree; and

                                       4

<PAGE>

         "VGV"                        Value Guaranteed Vacations Inc. (a company
                                      incorporated in the State of Florida,
                                      USA), which is a business partner of RSGC.

1.2      Unless otherwise stated, references in this Agreement to clauses and
         the Schedule are to clauses of and the Schedule to this Agreement and
         references to this Agreement include the Schedule.

1.3      In this Agreement:

         (a)      where the context admits, words and phrases the definitions of
                  which are contained or referred to in Part XXVI of the
                  Companies Act 1985 shall be construed as having the meanings
                  thereby attributed to them;

         (b)      any phrase introduced by the terms "including", "include", "in
                  particular" or any similar expression shall be construed as
                  illustrative and shall not limit the terms of the words
                  preceding those terms; and

         (c)      words importing the singular include the plural, and vice
                  versa, words importing any gender include every gender and
                  references to persons include bodies corporate, unincorporated
                  associations and partnerships.

1.4      All references in this Agreement to time shall be to U.K. time.

1.5      References in this Agreement to statutory provisions shall be construed
         as references to those provisions as respectively replaced, amended or
         re-enacted or as their application is modified by other provisions from
         time to time (whether before or after the date of this Agreement) and
         shall include any provisions of which they are re-enactments (whether
         with or without modification) and any subordinate legislation made
         under such provisions, save that no party shall have any liability
         under this Agreement for any such replacements, amendments,
         re-enactments or modifications having retrospective effect.

1.6      The Interpretation Act 1978 shall apply to this Agreement in the same
         way as it applies to an enactment.

1.7      The headings to the clauses are for convenience only and have no legal
         effect.

2.       REPRESENTATIONS, WARRANTIES AND UNDERTAKINGS

         Each party represents, warrants and undertakes to the other that:

         (a)      it has full power and authority and has taken all action
                  necessary to enter into and perform this Agreement;

         (b)      its obligations under this Agreement are valid and binding
                  obligations enforceable in accordance with their terms; and

         (c)      it has complied, and will comply during the period of this
                  Agreement, with all Applicable Regulations in relation to this
                  Agreement and the performance of its obligations hereunder.

                                       5

<PAGE>

3.       RSGC'S OBLIGATIONS

3.1      Subject to clause 3.2, RSGC shall use its best endeavours, and shall
         procure that VGV, CIL and each relevant member of the RSGC Group shall
         use its best endeavours, to provide DBP with the opportunity to place
         the insurance business in relation to RSGC's Products and Insurers.

3.2      RSGC shall not, and shall procure that neither VGV, CIL and each
         relevant member of the RSGC Group shall not, provide any person other
         than DBP with the opportunity to place the insurance business in
         relation to RSGC's Products, unless:

         (a)      such person is an Existing Agent;

         (b)      DBP has previously refused in writing the opportunity to place
                  the insurance business with Insurers; or

         (c)      DBP has failed to place the insurance business within 20
                  Business Days of being first requested by RSGC, VGV, CIL or
                  another member of the RSGC Group to place it, except in the
                  case of insurance business which the parties agree is complex,
                  in which case DBP shall have 60 Business Days in which to
                  place such insurance business.

3.3      RSGC shall, and shall procure that VGV, CIL and each relevant member of
         the RSGC Group shall, immediately inform DBP of any material
         information that it receives in relation to any Insured or to RSGC's
         Products.

4.       COMMISSION

4.1      Subject to clause 4.3, RSGC and DBP agree that, in respect of the
         insurance business in relation to RSGC's Products which DBP places with
         Insurers, commission of 2.5% of the Gross Premiums in respect of such
         insurance business shall be paid to DBP for its own account (the
         "COMMISSION").

4.2      Subject to clause 4.3, RSGC and DBP agree that, in respect of the
         insurance business in relation to RSGC's Products which DBP places with
         Insurers, commission of 2.5% of the Gross Premiums in respect of such
         insurance business shall be paid to the Escrow Account, for the account
         of RSGC (the "ESCROW COMMISSION").

4.3      RSGC and DBP agree that upon whichever is the earlier of the money paid
         into the Escrow Account reaching (pound)1,475,450 (whether as a result
         of Escrow Commission or Introductory Commission being paid into the
         Escrow Account or RSGC paying money directly into the Escrow Account)
         and 31 December 2004, the Escrow Commission shall no longer be payable
         and the commission payable to DBP as Commission shall immediately
         increase to 5%.

                                       6

<PAGE>

4.4      If any of the Gross Premiums are refunded by an Insurer to an Insured
         for any reason, DBP shall pay to the relevant Insurer a refund of
         Commission which shall bear the same proportion to the total Commission
         which was originally payable in respect of such Gross Premiums as the
         amount of the Gross Premiums which is refunded bears to the total Gross
         Premiums originally payable. The parties shall also procure that, if
         Escrow Commission was payable in respect of such Gross Premiums, a
         refund of Escrow Commission shall be paid to the relevant Insurer from
         the Escrow Account which shall bear the same proportion to the Escrow
         Commission which was originally payable in respect of such Gross
         Premiums as the amount of the Gross Premiums which is refunded bears to
         the total Gross Premiums originally payable, provided that if it is not
         possible to make such refund from the Escrow Account (whether due to
         there being insufficient funds credited to the Escrow Account or
         otherwise), RSGC alone shall be liable to make such refund.

4.5      All payments to be made under this clause shall be made within 10
         Business Days of the end of each month.

5.       GROSS PREMIUMS

5.1      RSGC shall procure that VGV and CIL shall collect all Gross Premiums
         from Insureds and shall remit such Gross Premiums to DBP.

5.2      DBP agrees to pay to Insurers all Gross Premiums which it receives
         pursuant to clause 5.1, minus:

(a)      all Commission and Escrow Commission which is payable in respect of
         such Gross Premiums pursuant to clauses 4.1 and 4.2; and

(b)      any taxes or other deductions required by law or regulatory
         requirement.

5.3      DBP shall maintain a complete and accurate record of:

         (a)      the Gross Premiums, Commission and Escrow Commission payable
                  in respect of each of RSGC's Products in relation to which it
                  places the insurance business;

         (b)      the relevant details of each Insured; and

         (c)      the relevant details of each Insurer with which DBP places the
                  insurance business in relation to RSGC's Products,

         and shall ensure that such records are available, at reasonable times
         and upon reasonable notice, for inspection by an authorised officer of
         RSGC or by representatives of the FSA, GISC or Lloyd's.

5.4      DBP shall send RSGC a bordereaux showing each of the matters set out in
         clause 5.3 within 20 Business Days of the end of each month.

                                       7

<PAGE>

6.       INTRODUCED BROKERS

6.1      RSGC may introduce brokers to DBP, as potential employees or
         consultants of DBP ("INTRODUCED BROKERS").

6.2      Nothing shall oblige DBP to enter into any agreement with any
         Introduced Brokers or shall affect the terms upon which it may contract
         with any of them.

6.3      Subject to clause 6.4, where DBP employs, or enters into any contract
         for services with, any Introduced Brokers during the period ending 31
         December 2004, DBP shall pay commission into the Escrow Account
         ("INTRODUCTORY Commission"), which shall be calculated on the following
         basis:

         0.15 x Net Profit

         Where "NET PROFIT" is all income, fees, brokerage, commission and other
         remuneration generated for DBP by the relevant Introduced Brokers minus
         all losses, costs, charges, attributable overheads, remuneration and
         expenses incurred by DBP as a result of or which are in any way
         attributable to the employment or engagement of the Introduced Brokers,
         before any adjustment for taxation and excluding any extraordinary
         items, for the period ending 31 December 2004, as calculated in
         accordance with the accounting principles applied in respect of DBP's
         audited accounts for the financial year ending on 30 June 2004.

6.4      Subject to the operation of clause 6.3, DBP shall prepare a draft
         unaudited Net Profit statement in relation to the Introduced Brokers
         and send a copy of such draft statement to RSGC within one month of 31
         December 2004. The parties shall then seek to agree a final version of
         the Net Profit statement within two weeks of the date upon which DBP
         produces the draft. If the parties are unable to agree a final version,
         or to do so within this timescale, the matter shall be settled by DBP's
         auditors, who shall act as experts and not as arbitrators, whose
         decision shall (save in the case of manifest error) be binding on the
         parties and who shall decide which of the parties shall bear their
         costs and in what proportions.

6.5      The Introductory Commission shall cease to be payable as soon as the
         amount of money which has been paid into the Escrow Account reaches
         (pound)1,475,450 (whether as a result of Commission or Introductory
         Commission being paid into the Escrow Account or as a result of RSGC
         making payments into the Escrow Account) or 31 December 2004, whichever
         is the earlier.

7.       TERMINATION

7.1      DBP shall have the right to terminate this Agreement forthwith by
         notice in writing to RSGC if RSGC is in breach of any of its
         obligations under clause 3.

7.2      Either party may terminate this Agreement forthwith if the other party
         commits a serious breach of the terms of this Agreement which, if
         capable of being remedied, such other party has failed to remedy within
         60 Business Days of being notified in writing of such breach by the
         party wishing to terminate this Agreement.

                                       8

<PAGE>

7.3      Except where specifically stated otherwise herein, on any termination
         of this Agreement all obligations and liabilities of the parties
         accrued to the date of such termination shall continue in force until
         fully discharged and all accounts between the parties have been finally
         settled.

8.       DATA PROTECTION

8.1      Subject to clause 8.2, each party warrants and undertakes (both on its
         own behalf and, in the case of RSGC, on behalf of VGV, CIL and each
         relevant member of the RSGC Group) that:

         (a)      it will maintain all necessary registrations in relation to
                  data protection and the processing of personal data
                  (including, if required, an appropriate registration as a data
                  controller under the DPA) during the period of this Agreement;

         (b)      in relation to any personal data processed on behalf of the
                  other party it will act only on the instructions of the other
                  party and will ensure that appropriate technical and
                  organisational measures are taken against unauthorised or
                  unlawful processing of such personal data and against
                  accidental or unlawful destruction, or accidental loss,
                  alteration, unauthorised disclosure of, or access to, such
                  personal data;

         (c)      any personal data which it discloses or transfers to the other
                  party shall not be subject to any prohibition or restriction
                  which restricts or affects the ability of the other party to
                  disclose or transfer that personal data to any third party or
                  of the other party to use that personal data for any
                  reasonable purpose in connection with this Agreement
                  (including the disclosure or transfer of such personal data by
                  the other party for the purpose of claims administration,
                  checking credit references, cross-selling RSGC's Products or
                  the prevention of fraud, or to any party which is providing
                  underwriting capacity to it) and, in particular, that the
                  party disclosing or transferring such personal data has
                  obtained all necessary consents from data subjects in relation
                  to the use of such personal data, and that any such disclosure
                  or transfer will not give rise to any breach of any provision
                  of the DPA, any duty of confidentiality, any intellectual
                  property rights of a third party or any contractual
                  obligation; and

         (d)      it will comply with all relevant provisions of the DPA in
                  relation to the processing of data relating to actual and
                  potential Insureds and RSGC's Products.

8.2      Nothing in clause 8.1 shall require any act or omission of any party
         which would constitute a breach of any Applicable Regulations.

9.       CONFIDENTIALITY

9.1      Each of the parties hereby undertakes with the other that it shall not
         at any time after the date of this Agreement (including after the
         termination of this Agreement) use or disclose to any person any
         Confidential Information relating to the other party and shall use all
         reasonable endeavours to prevent the use or disclosure of such
         Confidential Information.

                                       9

<PAGE>

9.2      This clause shall not prevent disclosure of Confidential Information by
         a party:

         (a)      to a director, officer or employee of it acting in the proper
                  course of his duties and whose function requires him to have
                  the Confidential Information;

         (b)      where it is required to be disclosed by law or by any
                  regulatory authority, tax authority or recognised stock
                  exchange and provided that the party required to disclose such
                  Confidential Information shall, where practicable and unless
                  prohibited from doing so by law or by any regulatory
                  authority, tax authority or recognised stock exchange, first
                  consult with and take into account the reasonable requirements
                  of the other party in connection with the required disclosure;

         (c)      to one of its advisers for the purpose of advising a party but
                  only on terms that clause 9.1 applies (as modified by clause
                  9.2) to the use or disclosure by the adviser; or

         (d)      which has become publicly known except as a result of that
                  party's breach of clauses 9.1 or 9.2.

10.      ASSIGNMENT

         A party may not assign, transfer or sub-contract or purport to assign,
         transfer or sub-contract (whether at law or in equity) a right or
         obligation under this Agreement without the prior written consent of
         the other party, such consent not to be unreasonably withheld.

11.      VARIATION
         No variation of this Agreement shall be effective unless it is in
         writing and signed by or on behalf of the parties to this Agreement.

12.      ANNOUNCEMENTS

12.1     Subject to clause 12.2, no announcement, disclosure, communication or
         publicity of any kind shall be made or issued by either party to this
         Agreement relating to the subject matter or terms of this Agreement
         without the prior written approval of the other party (such approval
         not to be unreasonably withheld or delayed).

12.2     Clause 12.1 shall not apply to any announcement, disclosure,
         communication or publicity required by law, any regulatory authority,
         tax authority or any recognised stock exchange or by any rule or
         regulation of the FSA, GISC or of Lloyd's, provided that the party
         required to make or issue it has so far as reasonably practicable
         consulted with and taken into account the reasonable requirements of
         the other party as to the timing, contents and manner of making or
         issuing any such announcement.

13.      COSTS

         Each party shall pay its own costs relating to the negotiation,
         preparation, execution and performance of this Agreement and of each
         document referred to in it.

                                       10

<PAGE>

14.      AGREEMENT NOT A PARTNERSHIP

         No provision of this Agreement shall create a partnership between the
         parties to this Agreement.

15.      GENERAL

15.1     This Agreement shall be binding on and shall enure for the benefit of
         the permitted assigns of the parties to this Agreement.

15.2     No neglect, delay or indulgence on the part of any party in enforcing
         any term of this Agreement will be construed as a waiver and no single
         or partial exercise by any party of any rights or remedy under this
         Agreement will preclude or restrict the further exercise or enforcement
         of any such right or remedy.

15.3     Any waiver of any breach of any provision of this Agreement shall not,
         unless the terms of the waiver expressly provides otherwise, be
         construed as a waiver of any continuing or subsequent breach of such
         provision or a modification of that provision.

15.4     If any term or provision of this Agreement is held to be illegal or
         unenforceable, in whole or in part, under any enactment, regulation or
         rule of law, that term or provision shall to that extent be deemed not
         to form part of this Agreement but the enforceability of the remainder
         of this Agreement shall not be affected.

15.5     This Agreement and the Escrow Terms constitute the entire agreement and
         understanding between the parties to this Agreement with respect to the
         subject matter contained in this Agreement and all other agreements
         between the parties relating thereto shall forthwith cease and
         determine and neither party shall have any liability to the other in
         respect thereof. Each party acknowledges that, in agreeing to enter
         into this Agreement, it has not relied on any representation, warranty,
         collateral contract or other assurance made by or on behalf of the
         other party on or before signature of this Agreement. Each party waives
         all rights and remedies (whether in contract or tort, under statute or
         otherwise) which, but for this clause, might otherwise be available to
         it in respect of any such representation, warranty, collateral contract
         or other assurance, provided that nothing in this clause shall limit or
         restrict any liability for fraud.

15.6     A person who is not a party to this Agreement has no right under the
         Contracts (Rights of Third Parties) Act 1999 to benefit from or enforce
         any term of this Agreement but this does not affect any right or remedy
         of a third party which exists or is available apart from that Act.

16.      COUNTERPARTS

         This Agreement may be executed in any number of counterparts each of
         which when executed shall be an original but all the counterparts shall
         together constitute one and the same instrument.

                                       11

<PAGE>

17.      NOTICES

17.1     Any notice to be given under this Agreement shall be in writing and
         shall be delivered personally or sent by air-mail or by fax:

         (a)      In the case of RSGC to:

                  200 Yorkland Boulevard, Suite 200, Toronto, Canada M2J 5C1

                  Fax No: (+001) 416 391 4860

                  Marked for the attention of: Sandro Sordi

         (b)      In the case of DBP to:

                  Independent House, 7 Cutler Street, London E1 7DJ

                  Fax No: (+44) (0)207 626 1333

                  Marked for the attention of: Richard Parkins

         or as otherwise notified by them from time to time (in accordance with
         the provisions of this clause).

17.2     In the absence of evidence of earlier receipt, a notice or other
         communication is deemed given:

         (a)      if delivered personally, when left at the address referred to
                  in clause 17.1;

         (b)      if sent by air-mail, on the third Business Day next following
                  the day of posting it; and

         (c)      if sent by fax, on completion of its transmission if
                  transmitted during normal business hours (9.30 a.m. to 5.30
                  p.m.) on any Business Day. A notice given by a fax transmitted
                  after midnight but on or before 9.30 a.m. on any Business Day
                  shall be deemed to be given at 9.30 a.m. on that Business Day
                  and a notice given by a fax transmitted after 5.30 p.m. but on
                  or before midnight on any Business Day shall be deemed to be
                  given at 9.30 a.m. on the following Business Day.

17.3     In proving the giving of a notice it shall be sufficient to prove that
         the notice was left or that the envelope containing such notice was
         properly addressed and posted or that the fax was transmitted.

18.      ENGLISH LAW

18.1     This Agreement shall be governed by and construed in accordance with
         the laws of England.

18.2     The parties hereby submit for all purposes connected with this
         Agreement to the exclusive jurisdiction of the High Court of Justice in
         England and Wales.

18.3     RSGC irrevocably appoints Charles Napper of Hanley Down Farm,
         Catsfield, East Sussex, TN33 9BN (fax number 01424 830 598) as its
         agent to receive on its behalf in England service of any proceedings
         arising out of or in connection with this Agreement. Such service shall
         be deemed completed on delivery to such agent (whether or not it is
         forwarded to and received by RSGC. If for any reason such agent ceases
         to be able to act as agent or no longer has an address in England, RSGC
         irrevocably agrees that within 10 Business Days it shall appoint a
         substitute agent acceptable to DBP with an address in England and
         deliver to DBP a copy of the new agent's acceptance of that
         appointment, together with its name, address and fax number. Nothing
         contained in this Agreement shall affect the right to serve process in
         any other manner permitted by law.

IN WITNESS of which the authorised representatives of the parties have signed
this Agreement on the date first written above.

                                       12
<PAGE>

                                    SCHEDULE

                                EXISTING AGENTS

                NAME                             TYPE OF INSURANCE PRODUCT
                ----                             -------------------------

   Tysers International Insurance and          o  Canadian Liability
         Reinsurance Brokers                   o  Mortgage Indemnity Insurance

<PAGE>

SIGNED by                            )
for and on behalf of                 )
RS GROUP OF COMPANIES, INC.          )

SIGNED by                            )
for and on behalf of DASHWOOD        )
BREWER & PHIPPS LIMITED              )

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