Document:

EXHIBIT 10.3

                          CONSULTING SERVICE AGREEMENT

This Agreement is made effective as of January 1, 2005 (the  "Effective  Date"),
by and between Schooner Realty Inc.  ("CONSULTANT") of 3409 Ash Lane,  McKinney,
Texas 75070,  and RG America,  Inc.  ("Client") of 2100 Valley View Lane,  Suite
100, Dallas, TX 75234.

In this  Agreement,  the party who is contracting  to receive  services shall be
referred to as "CLIENT",  and the party who will be providing the services shall
be referred to as "CONSULTANT".

CONSULTANT  has a background in corporate  operations,  oversight,  material and
labor construction coordination consulting and is willing to provide services to
CLIENT based on this background.

CLIENT desires to have services provided by CONSULTANT.

Therefore, the parties agree as follows:

1.    DESCRIPTION OF SERVICES.  Beginning on the Effective Date, CONSULTANT will
      provide the following services (collectively,  the "Services") in the case
      of:

      A)    Use of  CONSULTANT'S  directors  name,  Edward P. Rea, as  Executive
            Chairman of CLIENT.

      B)    CONSULTANT  will  act in the  capacity  of  Executive  Chairman  and
            review,  oversee  and sign all  matters as would be  required  by an
            Executive Chairman in relation to the CLIENT and it's subsidiaries.

      C)    CONSULTANT will act in the capacity of an Executive  Chairman and if
            necessary,  review,  oversee and sign all documents as required by a
            Executive Chairman in relation to the CLIENT and it's subsidiaries

      D)    Use of CONSULTANT'S name on all of CLIENT'S literature and web page.

      E)    Attend  CLIENT  Board  of  Director  and  Shareholder   Meetings  as
            Executive Chairman

      F)    Attend meetings and events as requested by CLIENT.

      G)    Other  matters as  requested  by CLIENT  pursuant to the position of
            Executive  Chairman.

      H)    CONSULTANT  will agree to assist the  company on all  matters in the
            event of any SEC, IRS or legal issues.

2.    PERFORMANCE  OF  SERVICES.  The  manner  in which the  Services  are to be
      performed  and the  specific  hours to be  worked by  CONSULTANT  shall be
      determined by CONSULTANT after discussing with CLIENT.

3.    CASH PAYMENT.  CLIENT will pay a fee to CONSULTANT  for the Services based
      on a rate of  $4,250.00  bi-weekly.  CLIENT  Agrees  to remit  payment  to
      CONSULTANT by the 5th day of each month for the services performed.

4.    STOCK PAYMENT.  In recognition  of prior and current  services  performed,
      CLIENT will grant CONSULTANT Two Hundred Fifty Thousand  (250,000) Options
      to  purchase  CLIENT  common  stock  at a price  of  $.30  per  share  and
      exercisable  for in accordance  with the attached  schedule as approved by
      CLIENT Board of Directors.

<PAGE>

4.    EXPENSE REIMBURSEMENT.  CONSULTANT shall be entitled to reimbursement from
      CLIENT for all reasonable "out-of-pocket" expenses directly related to the
      case such as, but not  limited  to:  travel,  copying  expenses,  etc.  as
      approved by client in advance.

5.    NEW PROJECT  APPROVAL.  CONSULTANT and CLIENT recognize that  CONSULTANT's
      Services will include working on various  projects for CLIENT.  CONSULTANT
      shall obtain the approval of CLIENT prior to the  commencement of each new
      project.

6.    TERM/TERMINATION.  This  Agreement is for a five (5) year period and shall
      terminate  automatically  on  December  31,  2009,  unless both CLIENT and
      CONSULTANT agree in writing to an amendment of the agreement.

7.    RELATIONSHIP  OF PARTIES.  It is understood by the parties that CONSULTANT
      is an independent  contractor with respect to CLIENT,  and not an employee
      of  CLIENT.  However,  CLIENT  will  offer  to  provide  fringe  benefits,
      including health insurance  benefits,  or any other employee benefit,  for
      the benefit of CONSULTANT.

8.    CONFIDENTIALITY and Non-Compete. CONSULTANT recognizes that CLIENT has and
      will have medical and legal  information  which need to be protected  from
      improper   disclosure.   In  consideration   for  the  disclosure  of  the
      Information,  CONSULTANT agrees that CONSULTANT will not at any time or in
      any  manner,  either  directly  or  indirectly,  use any  Information  for
      CONSULTANT's  own benefit,  or divulge,  disclose,  or  communicate in any
      manner  any  Information  to any third  party  without  the prior  written
      consent of CLIENT. CONSULTANT will protect the Information and treat it as
      strictly  confidential.  A violation of this paragraph shall be a material
      violation  of this  Agreement.  Additionally,  CONSULTANT  agrees  to sign
      CLIENTS  standard   non-compete   agreement  as  well  as   non-disclosure
      agreements.

9.    UNAUTHORIZED DISCLOSURE OF INFORMATION.  If it appears that CONSULTANT has
      disclosed (or has threatened to disclose) Information in violation of this
      Agreement,   CLIENT  shall  be  entitled  to  an  injunction  to  restrain
      CONSULTANT from disclosing, in whole or in part, such Information, or from
      providing  any  services  to any party to whom such  Information  has been
      disclosed  or may be  disclosed.  CLIENT shall not be  prohibited  by this
      provision from pursuing other  remedies,  including a claim for losses and
      damages.

10.   SERVICES TO THIRD  PARTIES.  The parties  recognize  that  CONSULTANT  may
      provide consulting services to other parties. However, CONSULTANT is bound
      by the  confidentiality  provisions of this Agreement,  and CONSULTANT may
      not use the information,  directly or indirectly, for the benefit of third
      parties.

11.   RETURN OF RECORDS.  Upon  termination of this Agreement,  CONSULTANT shall
      deliver all records, notes, data, memoranda,  models, and equipment of any
      nature that are in CONSULTANT's  possession or under CONSULTANT's  control
      and that are CLIENT's property or relate to CLIENT's business.

                                       2
<PAGE>

12.   NOTICES.  All notices  required or permitted under this Agreement shall be
      in  writing  and shall be deemed  delivered  when  delivered  in person or
      deposited  in the  United  States  mail,  postage  prepaid,  addressed  as
      follows:

IF for CLIENT:                             IF for CONSULTANT:
John E. Rea                                Schooner Realty, Inc.
Chief Executive Officer                    3409 Ash Lane
RG America, Inc.                           McKinney, TX 75070
2100 Valley View Lane, Suite 100           Attn: Edward P. Rea
Dallas, TX 75234

Such  address  may be  changed  from time to time by either  party by  providing
written notice to the other in the manner set forth above.

14.   ENTIRE  AGREEMENT.  This  Agreement  contains the entire  agreement of the
      parties  and  there  are no other  promises  or  conditions  in any  other
      agreement  whether  oral or  written,  save and accept the  aforementioned
      non-disclosure and non-compete  agreements.  This Agreement supersedes any
      prior written or oral  agreements  between the parties save and accept the
      aforementioned non-disclosure and non-compete agreements.

15.   AMENDMENT.  This  Agreement may be modified or amended if the amendment is
      made in writing and is signed by both parties.

16.   SEVERABILITY.  If any  provision  of this  Agreement  shall  be held to be
      invalid or unenforceable  for any reason,  the remaining  provisions shall
      continue to be valid and enforceable.  If a court finds that any provision
      of this Agreement is invalid or  unenforceable,  but that by limiting such
      provision it would become valid and enforceable, then such provision shall
      be deemed to be written, construed, and enforced as so limited.

17.   WAIVER OF  CONTRACTUAL  RIGHT.  The failure of either party to enforce any
      provision  of  this  Agreement  shall  not be  construed  as a  waiver  or
      limitation of that party's right to subsequently enforce and compel strict
      compliance with every provision of this Agreement.

18.   APPLICABLE  LAW. This Agreement shall be governed by the laws of the State
      of Texas.

RG America, Inc.

By:______________________________
   John E. Rea
   Chief Executive Officer

Schooner Realty, Inc.

By:______________________________
   Edward P. Rea

                                       3EXHIBIT 10.4
                                [GRAPHIC OMITTED]
                                RESTORATION GROUP

                              EMPLOYMENT AGREEMENT

This Agreement is made by and between RG Restoration, Inc. d/b/a The Restoration
Group,  a Texas  corporation,  with its principal  office located at 2100 Valley
View Lane, Suite 110, Dallas,  Texas 75234 (the "Company") and Frank I. Dahlberg
,("Employee').  In consideration of the mutual promises and covenants  contained
herein, the adequacy and receipt of which are hereby  acknowledged,  the parties
agree to the following:

1.  Employment.  The Company  employs  Employee  commencing  on March 1st,  2005
("Start  Date"),  (subject to a probationary  period of ten days from employment
Start  Date to allow The  Company  to  complete a  background  check,  including
criminal,  employment, and education verification,  and findings satisfactory to
The Company), to perform such duties and have such responsibilities as set forth
from time to time by The Company's  Management.  Employee  shall comply with all
policies and  procedures  set forth by the Company from time to time,  including
but not limited to the Company's Employee  Handbook.  Either party may terminate
this employment  agreement at any time and for any or no reason,  and no term is
implied herein. If the Company terminates Employee without Cause,  employee will
be entitled to 3 months of  compensation  and all stock  options  granted  shall
immediately  vest.  "Cause" means: a) failing to carryout all lawful requests of
the  Company  including   strictly   following  its  policies,   procedures  and
performance criterion or any breach of this Employment Agreement;  or b) any act
of  subordination,  dishonesty,  or moral  turpitude  which could be potentially
damaging to the Company;  or c) violations  of any law or code that  potentially
could directly affect the Company.

                                                                  Initials:_____

2. Base  Compensation.  Employee  shall earn an  initial  annual  salary  ("Base
Salary") of $100,000  per year,  which  shall be paid  pro-rata  pursuant to the
Company's  regular  payroll  practices,  less  any  and  all  applicable  taxes,
withholdings, and other deductions required by law. Additionally, Employee shall
receive increases in Base Salary upon the Company's achievement of certain goals
with regard to its business.  Employee shall receive  performance  reviews on an
annual  basis at which time  incremental  future  increases  may be  determined.
Additionally,  Employee  shall  receive a minimum of $ 500 per month  automobile
allowance  and up to a maximum of $ 500 per month  health  insurance  allowance.
Employee  shall  further be entitled to  reimbursement  for usual and  customary
business  expenses  approved in advance by the Company and  properly  documented
with  receipts  and  timely   submitted   pursuant  to  the  Company's   expense
reimbursement  policies in effect from time to time.  Employee shall be entitled
to participate in the Company's Senior  Management  Bonus Policy,  and any other
benefits to which  Employee  may be eligible,  including  but not limited to the
Company's  2005 Long Term  Incentive  Plan or other  benefit  programs  that the
Company offers from time to time to similar employees.

                                                                  Initials:_____

2.1 Stock Option Plan (to be determined by the compensation committee)
The Employee shall receive an incentive  stock option grant  effective March 1st
2005  of________restricted  common shares of RG America,  Inc. The options shall
expire 5 years from the date each option  shares  vest and shall be  exercisable
for a price of  $_______per  share.________shares  of this  grant  shall vest on
January l s, 2006. The remaining________option  shares will be vested equally on
a quarterly basis over 2 years, equating  to_______shares per quarter. Any stock
option(s)  granted to Employee  shall be strictly  conditioned  and governed and
controlled by Inwision  Capital,  Inc.'s stock option  plan(s) and the documents
related thereto,  and not by this Agreement unless where  specifically  outlined
herein.

                                                                  Initials:_____

2.2 Other benefits.
Sales commissions: Employee has the ability to earn additional sales commissions
per the  following  schedule:  a) Direct Sale : defined as any sale  originated,
developed,  and closed by the employee  with no  assistance  from other  company
sales employees. Commission defined as 3 % of the contract proceeds.

Page: 1 of 4

<PAGE>

b) Joint  Sale:  defined as any sale  originated,  developed,  and closed by the
above named employee with assistance from another company  employee.  Commission
structure  will be worked out equitably  between the parties  involved (a normal
commission structure might be defined as 1.0% for contract origination, 1.0% for
contract  development  and 1.0% for  contract  closing)  on a sale by sale basis
depending on the value and effort  contributed by each party.  In the event of a
dispute,  employee agrees to allow the company president to arbitrate and decide
a fair and equitable commission split.

c) Sales  Referrals:  defined as any referral to another  company sales employee
ultimately  resulting in a contract closure.  Commission  defined as 0.5% of the
contract proceeds.

d) Sales  Override:  defined as any sale  originated  and developed by a company
junior sales employee under the direction of the above named employee and closed
with the assistance of the above named employee.  Commission defined as 0.5 % to
the above named employee, and 2.5 % to junior sales employee.

Sales commissions  payment:  Sales  commissions will be paid as follows:
a) 10% sales commission will be paid within 14 days following contract closing.
b) 50% sales  commission will be paid within 14 days following the completion of
   50% of the project.
c) 40% sales  commission will be paid within 14 days following the completion of
   100% project.

Commissions versus Base Compensation:

a) Commissions will be absorbed by the base  compensation as defined above until
the base salary is exceeded, and then commissions shall be paid above and beyond
the base compensation.
b) If, for any reason,  employment  shall be  discontinued  at the initiative of
either  party,  commissions  earned  will be paid as earned,  if they exceed the
prorated base compensation at that point.

                                                                  Initials:_____

3.  Confidentiality  and Trade  Secret.  Confidential  Information  received  by
Employee shall be held by Employee in secrecy and  confidence,  and shall not be
disclosed by Employee to any person or other entity at any time.  Employee shall
not remove,  distribute,  publish,  copy, download,  or otherwise extract in any
manner from The Company's premises or its databases and records any Confidential
Information.  Upon  termination of this Agreement,  Employee shall return to The
Company any and all Confidential  Information received from The Company which is
in written or computer readable form, together with a letter certifying that the
information contained therein has in no way been reproduced, copied or disclosed
in  an  unauthorized   manner.  The  provisions  of  this  Agreement   regarding
Confidential Information and trade secrets shall survive the termination of this
Agreement.

                                                                  Initials:_____

4.  Representations  and Warranties.  Employee  represents and warranties to the
Company that i) he is duly  qualified to be employed by the Company;  and ii) he
is not  prohibited  from  being  employed  with the  Company  by  virtue  of any
non-competition or other restrictive agreement with any other person or company;
and iii)  Employee's  employment  with the Company does and will not infringe on
the rights of any other person; and iv) the Company did not solicit nor seek out
the Employee for employment with the Company but rather the Employee  approached
the Company and sought employment with the Company; and iv) the Employee has not
obtained any confidential or proprietary  intellectual property,  trade secrets,
or other information or knowledge particular to Employee's former employers that
Employee  will  utilize  in  his  employment  with  the  Company;   and  v)  the
information,  skills  and other  knowledge  that  Employee  will  utilize in his
employment with the Company is all the sort of  information,  knowledge that any
person in the Company's field would possess and be familiar with.

                                                                  Initials:_____

5.  Non-Competition/Non-Solicitation.  Employee acknowledges and agrees that the
pursuit of the activities  forbidden by this section would  necessarily  involve
the use or disclosure of  Confidential  Information in breach of this Agreement,
but that proof of such a breach would be extremely difficult.  To forestall this
disclosure,  use, and breach,  and in consideration of the employment under this
Agreement,  and in order to protect the goodwill and other business interests of
The Company,  and  provided  that the Company  remains in  business,  then for a
period of twelve (12) months after employment is terminated, Employee shall not,
directly or indirectly, or through any other person acting on Employee's behalf:

            (a) solicit  business  from or perform  services  for,  any persons,
company or other entity which at any time during the  Employee's  employment  by
the Company is a client or customer of the Company if such  business or services
are of the same  general  character  as those  engaged  in or  performed  by the
Company;

Page: 2 of 4

<PAGE>

            (b) solicit for  employment  or in any other fashion hire any of the
employees of the Company;

            (c) own, manage,  operate,  finance, join, control or participate in
the ownership,  management,  operation, financing or control of, or be connected
as an officer, director,  employee, partner,  principal, agent,  representative,
consultant or otherwise with any business or enterprise  engaged in the business
of  designing,  developing,  and  implementing  any sort of  business  described
generally as relating to a unique  Habitational  I Apartment  insurance  product
which is made unique by the alignment of interests between Construction, Claims,
Marketing and Underwriting (collectively,  the "Business") within a radius of 35
miles from Company's or any of Company's affiliates principal places of business
(the "Restricted Area");

            (d)  use or  permit  his  name to be used  in  connection  with  any
competitive business or enterprise engaged in the Business within the Restricted
Area; or

            (e) use the name of the  Company or any name  similar  thereto,  but
nothing in this clause shall be deemed,  by implication,  to authorize or permit
use of such name after expiration of such period;  provided,  however, that this
provision  shall not be construed  to prohibit the  ownership by the Employee of
not  more  than 5% of any  class of the  outstanding  equity  securities  of any
corporation  which is engaged in any of the foregoing  businesses having a class
of publicly traded securities.  In the event that the provisions of this Section
should ever be  adjudicated to exceed the time,  geographic,  service or product
limitations  permitted  by  applicable  law  in  any  jurisdiction,   then  such
provisions  shall be deemed  reformed in such  jurisdiction to the maximum time,
geographic, service or product limitations permitted by applicable law.

                                                                  Initials:_____

6.  Inventions.  All work  performed  by Employee and all  materials,  products,
deliverables, inventions, software, ideas, disclosures and improvements, whether
patented or unpatented,  and copyrighted material, made or conceived by Employee
during  Employee's  employment  by  The  Company  (collectively  referred  to as
"inventions")  which  (i)  relate to  methods  apparatuses,  designs,  products,
processes or devices sold,  licensed,  used or under development by The Company,
(ii)  otherwise  relate to or pertain to any present,  proposed or  contemplated
business,  functions or operations of The Company, (iii) relate to The Company's
actual or  anticipated  research  or  development,  (iv)  involve the use of The
Company's  assets,  information,   inventions  or  the  like,  are  Confidential
Information and are the property of The Company and shall be deemed to be a work
made for hire.  To the extent that title to any of the  foregoing  shall not, by
operation of law, vest in The Company,  all right title and interest therein are
hereby  irrevocably  assigned  to The  Company.  Employee  agrees to give or any
person or entity  designated by The Company  reasonable  assistance  required to
perfect its rights therein.

                                                                  Initials:_____

7. Equipment.  All equipment  issued to the Employee by the Company shall at all
times remain the property of The Company. It is the Employee's responsibility to
immediately  notify the Company if any equipment  issued to the employee becomes
inoperable  or damaged.  If and when  equipment is  exchanged  or returned,  the
Employee is responsible for maintaining  receipts  evidencing same. Upon leaving
employment,  Employee shall immediately  return to the Company all equipment and
other items issued to Employee.

                                                                  Initials:_____

8. Offset  Right at  Termination,  Subject to  applicable  law,  the Company may
offset from Employee's wages and any other earned benefits,  any obligations due
the Company, as set forth herein, from the Employee upon termination.

                                                                  Initials:_____

9.  Arbitration.  Other  than  claims  under  paragraphs  2,3,4,5  and 6 of this
Agreement, all disputes between Employee (and Employee's attorneys,  successors,
and assigns)  and The Company,  (and its  Affiliates,  shareholders,  directors,
officers,  employees,  agents,  successors,  attorneys,  and  assigns)  shall be
submitted  to  binding  arbitration  pursuant  to the  National  Rules  for  the
Resolution of Employment Disputes of the American  Arbitration  Association in a
timely  manner.  THE PARTIES  HEREBY  WAIVE ANY RIGHTS THEY MAY HAVE TO TRIAL BY
JURY IN REGARDING  CLAIMS,  INCLUDING  WITHOUT  LIMITATION ANY RIGHT TO TRIAL BY
JURY AS TO THE MAKING,  EXISTENCE,  VALIDITY, OR ENFORCEABILITY OF THE AGREEMENT
TO  ARBITRATE.  THE ARBITOR  SHALL NOT HAVE THE  AUTHORITY TO AWARD EITHER PARTY
ATTORNEYS FEES OR EXEMPLARY DAMAGES.  Notwithstanding the foregoing, pursuant to
appropriate  provisions  of state law,  either  party may, at its  option,  seek
injunctive  relief  through a court of  competent  jurisdiction  to enforce  the
Non-Competition and Non-Solicitation sections of this Agreement. All proceedings
and all documents  prepared in  connection  with any  Arbitrable  Claim shall be
confidential  and, unless otherwise  required by law, the subject matter thereof
shall not be disclosed to any person other than the parties to the  proceedings,
their counsel, witnesses and experts, the

Page: 3 of 4

<PAGE>

arbitrator,  and, if involved,  the court and court staff.  All documents  filed
with the arbitrator or with a court shall be filed under sea(. The parties shall
stipulate to all arbitration and court orders  necessary to effectuate fully the
provisions  of  this  subsection  concerning  confidentiality.  The  rights  and
obligations of Employee and The Company set forth in this Section on Arbitration
shall survive the termination of Employee's employment.

                                                                  Initials:_____

10.   Miscellaneous.

      a)    "Confidential   Information'  means  any  and  all  information  and
            materials that are proprietary to The Company (or its affiliates) or
            to any third-party  licensor,  the same having been acquired through
            the expenditure of time, effort and money, including but not limited
            to  the  following  items  and  other  items  of  a  similar  nature
            considered by The Company to be confidential and/or in the nature of
            trade secrets, whether or not reduced to a tangible medium: business
            and marketing plans, sales records,  price lists,  pricing policies,
            market studies, financial and technical information, customer names,
            business  relationships  and other  information  relating  to, among
            other things, customers, supplier's names, discoveries,  algorithms,
            data structures,  concepts,  product plans, software in any stage of
            development,   source  code,  designs,   drawings,   specifications,
            techniques,   models,   data,   technical   manuals,   research  and
            development   materials,   processes,   procedures   and   know-how.
            Confidential  Information shall not include any information publicly
            or generally known or known to the Employee prior to employment with
            the  company.  Because  of the  unique  nature  of the  Confidential
            Information,  Employee  understands and agrees that The Company will
            suffer  irreparable  harm from the breach of any covenant  contained
            herein including the covenant not to compete and the covenant not to
            disclose  Confidential  Information and that monetary damages may be
            inadequate to compensate  for such a breach.  Accordingly,  Employee
            agrees  that,   notwithstanding   the  Arbitration  clause  of  this
            Agreement,  in addition to any other  remedies  available  at law or
            equity,  The  Company  shall be  entitled  to  injunctive  relief to
            enforce the terms of this Agreement.

      b)    The  Agreement  shall be governed in all respects by the laws of the
            State of Texas and the  covenants  and  agreements  hereunder  shall
            inure  to  the  benefit  of  and  be  enforceable  by  each  party's
            successors   and  assigns.   The  parties  hereby  agree  to  submit
            themselves to the exclusive  jurisdiction  and venue of any state or
            federal court located in Dallas County, Texas.

      c)    Employee  agrees that this  agreement is the complete and  exclusive
            statement of the agreement between the parties, which supersedes all
            proposals  or  prior  agreements,  oral or  written  and  all  other
            communications between the parties relating to the subject matter of
            this agreement including any cover letter hereto,

      d)    If any  provision(s) of this Agreement shall be declared invalid for
            any reason,  the remaining  provisions of this  Agreement  remain in
            full force and effect.

            IN WITNESS HEREOF, the parties hereto have voluntarily executed this
Employment Agreement by their person or their duly authorized representatives as
of the date set forth above.

RG RESTORATION, INC.                       EMPLOYEE:

BY: /s/ James Rea                          /s/ Frank I. Dahlberg      3/24/05
  -------------------------------  ------  -------------------------  -------
  JAMES REA                        DATE    FRANK I. DAHLBERG          DATE
  CHIEF OPERATING OFFICER,
  PRESIDENT

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