Document:

Exhibit 10.5

[THIS EXHIBIT HAS BLACKED OUT CERTIN FINANCIAL INFORMATION IN SECTIONS 4.2 AND
5.3 WHICH CONFIDENTIAL TREATMENT HAS BEEN REQUESTED]

                               IMS-dodo Agreement

THIS IMS-dodo Agreement (hereinafter "Agreement") is made and entered into as of
March 5, 2001 (the "Effective Date") by and between:

(i)      IMS, Innovative Medical Services, a business duly organized under the
         laws of the State of California with its principal of place of business
         at 1725 Gillespie Way, El Cajon, CA 92020 (hereinafter "IMS"); and,

(ii)     dodo & Company, a business duly organized and doing business under the
         Laws of Korea with its principal place of business at Dabo Bldg., 577
         Shinsa-Dong, Kangnam-Ku, Seoul, Korea (hereinafter "dodo"). Each shall
         be designated "Party" and collectively, the "Parties" hereinafter with
         reference to the following:

                                    RECITALS

The following provisions form the basis for, and are hereby made a part of, this
Agreement:

A.   WHEREAS IMS (Innovative Medical Services) is a US corporation in the
     business of manufacturing and developing array of products and is being
     traded on the Nasdaq Small Cap, located in El Cajon, California;

B.   WHEREAS dodo is a Korean company doing business in the arena of cosmetics
     and beauty enhancement products; and

C.   WHEREAS THE PARTIES, now mutually desire to establish and maintain a
     relationship pursuant to which IMS, as the holder of proprietary rights to
     Axen, grant dodo an exclusive right to utilize Axen to formulate dodo's
     premium brand cosmetic line for the purposes of manufacturing and
     distribution of dodo Axen-based products to Korean market and non-exclusive
     rights to distribute Products to dodo's normal marketing channels in
     countries other than Korea.

                                    AGREEMENT

NOW THEREFORE, in consideration of the mutual promises and mutual covenants
contained herein and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the Parties hereby agree to all of
the following provisions:

                             ARTICLE 1 - DEFINITIONS

1.1  Axen: shall mean the non-toxic, environmentally friendly silver ion (Ag+)
     based aqueous disinfectant formulated for the specific use as prevention
     against contamination by potentially pathogenic bacteria and viruses. Axen
     has been approved by the U.S. Patent Office and is pending issuance. Axen
     is protected under U.S. Patent Application Number 09/169.229, allowed on
     July 18, 2000.

1.2  Product: shall mean all products and technologies of IMS utilizing Axen and
     its derivative technologies as used in cosmetic products.
<PAGE>
1.3  dodo Products: shall mean all cosmetic related products developed by dodo
     with the aid of IMS, utilizing Axen as its active ingredient and shall
     include among others all Silverion line of products.

1.4  Agreement: shall mean this contract being entered in to by and between IMS
     and dodo.

1.5  Effective Date: shall mean March 5, 2001. However, a formal signing
     ceremony for official publicizing of this Agreement is to be held on March
     16, 2001 at Seoul, Korea where the Parties shall be signing a document not
     inconsistent with the terms and provisions of this Agreement, solely for
     the purposes of memorializing this Agreement.

1.6  Know-how: means all technology, techniques, processes, methods and other
     trade secrets and confidential information developed or controlled by IMS
     and disclosed to dodo during the Term of this Agreement, and relating to
     the manufacturing and or/ packaging of a Product, whether or not any such
     Know-how is covered or protected by any Patents.

1.7  Patents: means and includes any United States or corresponding foreign
     Patents relating to Axen method of formulation and conformed chemistry of
     Axen and any continuations, continuations-in-part, divisions and/or
     reissues thereof that relate to Axen.

1.8  Quarter: means a calendar quarter during the Term hereof, except that the
     first Quarter shall be from the Effective Date hereof to the end of the
     then current calendar quarter.

1.9  Term: means the Term of this Agreement, as set forth and defined in article
     5 of this Agreement.

1.10 Territory: means the Territory as set forth and defined in article 3 of
     this Agreement.

1.11 IMSA: means Innovative Medical Services Asia, a business under
     incorporation process under the appropriate laws of the Republic of Korea,
     and will have its principal place of business at Hanra Classic Officetel,
     Suite 710, Yeoksam-Dong, Kangnam-Ku, 824-11, Seoul, Korea.

                        ARTICLE 2 - TECHNOLOGY OWNERSHIP

2.1  Parties acknowledge the ownership and Intellectual Property Rights of IMS,
     according to the following:

    2.1.1 The term "Intellectual Property Rights" shall mean all forms of
          proprietary rights, titles, interests, and ownership relating to
          patents, copyrights, trademarks, trade dresses, trade secrets,
          know-how, mask works, droit moral (moral rights), and all similar
          rights of every type that may exist now or in the future in any
          jurisdiction, including without limitation all applications and
          registrations thereof.

    2.1.2 IMS shall have and retain all ownership, right, title, interest, and
          all Intellectual Property Rights and proprietary rights of every kind
          whatsoever in and to all Products and IMS Property shall under no
          circumstances be deemed to be "joint works of authorship," "works made
          for hire," or any other designation tending to imply that dodo has or
          retains ownership or authorship rights therein or thereto. To the
          extent that any such rights vest initially with dodo by operation of
          law or for any other reason, dodo hereby perpetually and irrevocably
          assigns, transfers, and quitclaims all such rights to IMS.

    2.1.3 dodo shall retain all ownership, right title, interest, and all
          Intellectual Property Rights and proprietary rights of every kind in
          and to all dodo Products. dodo will provide IMS with all data,
          including but are not limited to, test results; marketing data; and,
          further research and development of dodo Products upon request of IMS
          on an as needed basis. Dodo Products shall under no circumstances be
          deemed to be "joint works of authorship," "works made for hire," or
          any other designation tending to imply that dodo has or retains
          ownership or authorship rights therein or thereto.

<PAGE>
                      ARTICLE 3 - LICENSE GRANT (Territory)

3.1  dodo shall be granted exclusive right to use Axen for developing,
     manufacturing, marketing and distribution of dodo Products within Korea and
     shall further be granted non-exclusive marketing and distribution rights of
     the Axen based dodo Products to any established dodo distribution channel
     in countries other than Korea. Dodo is hereby strictly prohibited from
     reselling or redistribution of Axen to any entity other than dodo.

3.2  The Agreement does not prohibit foreign cosmetic manufacturers marketing
     and distributing their own Axen based formulation in Korea. However, IMS
     agrees to protect the Korean market for dodo by providing a temporary ban
     of any sales of Axen based cosmetics manufactured by foreign makers within
     anywhere in Korea, until August 31, 2002 provided that the launching of the
     dodo Product occurs before September 1, 2001.

                    ARTICLE 4 - ROYALTIES AND OTHER PAYMENTS

4.1  Research & Development Reimbursement (Lumpsum): In consideration of the
     rights being granted herein, dodo shall pay IMS in the amount of $200,000
     USD to be wire transferred to IMS designated account in appropriate
     currency at the exchange rate available at the time of payment. This
     payment shall be designated as dodo's payment for reimbursing IMS for Axen
     related research and Development costs and shall be paid according to the
     following schedule:

    4.1.1 10% or $20,000 USD to be paid at the time of signing the Agreement
          (Mar. 4, 2001). This initial 10% payment is refundable within first 90
          days or before June 5, 2001 should dodo decide not to pursue further
          on this Agreement. However, the 10% payment shall be non-refundable
          for any reason after June 5, 2001. The refund if necessary shall be
          paid by IMS within 30 days of dodo's notice to IMS;

    4.1.2 30% or $60,000 USD to be paid within 10 days of the approval from
          Korean Food & Drug Administration as to the safety of the dodo
          Products. dodo shall be responsible for the due diligence proceeding
          of the development of dodo Products and subsequent governmental
          approval process;

    4.1.3 30% or $60,000 USD shall be paid on or before September 1, 2001
          provided that the KFDA has made final approval. This 30% is payable
          regardless of the status of the dodo Products launch ; and,

    4.1.4 remaining 30% or $60,000 USD shall be paid exactly one year from the
          launching of dodo Products unless the Parties have mutually agreed to
          terminate the Agreement prior to the one year from launch date.

    4.1.5 The foregoing R&D Reimbursement shall be deducted from the royalty
          due IMS at the rate of: 40% deduction for the first calendar year of
          this Agreement ending on December 31, 2001; additional 40% deduction
          for the second calendar year period from January 1, 2002 through
          December 31, 2002; and, the remaining 20% deduction for the third
          calendar year period from January 1, 2003 through December 31, 2003.
          The deduction under this Section 4.1.5 shall be on royalty payment
          alone and if a royalty for the said time period is less than the
          deduction to be made for the same time period, it shall accrue for the
          deduction on the subsequent calendar year thereafter.
<PAGE>
4.2  Royalty: Further in consideration of the rights being granted herein, dodo
     shall pay royalties to IMS for Axen according to the following schedule and
     terms:

    4.2.1 The royalty shall be payable out of the Net Sales of dodo Products.
          Net Sales is defined as dodo's gross sales of the Axen based dodo
          Products less 15% of the dodo's gross sales less Axen raw material
          costs incurred by dodo [dodo gross sales - (15% + Axen raw material
          cost)] for the period;

    4.2.2 The royalty for the first year is set at XXX% of the Net Sales;

    4.2.3 The royalty for the second year of operation is set at XXX% of the Net
          Sales;

    4.2.4 The royalty for the third year of operation is set at XXX% of the Net
          Sales;

    4.2.5 The royalty for the fourth year of operation is set at XXX% of the Net
          Sales;

    4.2.6 The royalty for the fifth year of operation is set at XXX% of the Net
          Sales;

    4.2.7 The royalty shall be paid semi-annually (every two quarters). The
          first royalty payment shall be calculated based on the Net Sales from
          the launch date to the end of December, 2001 and thereafter. dodo must
          provide the royalty report for approval to IMS no later than fifteen
          (15) days from the completion of accounting on the previous quarter.
          The royalty payment then must be wire transferred to IMS account
          within fifteen (15) days of IMS' approval of dodo's report;

    4.2.8 Any adjustment necessitated by dodo's overpayment or underpayment of
          royalties shall be made within a reasonable time after discovery of
          such overpayment or underpayment;

    4.2.9 Parties agree to adhere with all applicable laws governing the
          taxation on royalties hereunder. Furthermore, any tax withholdings on
          royalties mandated by applicable laws shall be deducted accordingly by
          dodo with proper tax credits issued to IMS.

                        ARTICLE 5 - TERM AND TERMINATION

5.1  The Term of the Agreement shall be for five (5) years from the launching of
     the dodo Product provided that the launching of the dodo Product occurs
     before September 1, 2001. Any extension of this Agreement must be
     re-negotiated between the Parties at least six (6) months prior to the
     expiration of the Agreement.

5.2  Agreement Assignment to IMSA: Upon the establishment of IMSA and the
     completion of the Joint Venture relationship between IMS and IMSA, all
     rights, obligations, terms and provisions of this Agreement will be fully
     assigned to IMSA and IMSA shall thereafter assume the rights and
     obligations of IMS under this Agreement. Dodo acknowledges and fully
     accepts that IMS may assign this Agreement to IMSA at IMS's sole
     discretion. However, assignment to IMSA specified hereunder shall not
     relieve IMS of the claims arising out of Axen product liabilities. Parties
     agree that as the future assignee of this Agreement, IMSA shall be a
     signatory of this Agreement.

5.3  Axen Price & Required Minimum Purchase: As the initial pricing point, IMS
     guarantees the following price to dodo in return for dodo's purchase of the
     following minimum quantities:
<PAGE>
    5.3.1 One 55 gallon barrel of Axen at 100 PPM solution priced at $XXXXXX
          USD;

    5.3.2 dodo to purchase minimum of 40 barrels for the next three years at
          the price stated in Section 5.3.1 above, and minimum of 12 barrels in
          the first twelve (12) months of Effective Date and fourteen (14)
          barrels minimum per each succeeding twelve months increment;

    5.3.3 When and if a more favorite price than the price of Section 5.3.1
          above is negotiated between IMS and Foretech of Hong Kong, dodo shall
          immediately benefit by receiving the Foretech price for dodo's
          subsequent purchases of Axen.

    5.3.4 dodo is strictly prohibited from discussing, revealing or divulging
          the price as specified in section 5.3.1 above to any party not a
          signatory to this Agreement.

5.4  Termination by IMS: The license rights granted to dodo by virtue of this
     Agreement can be terminated in whole or in part by IMS at any time by
     notifying dodo with the Defects for such termination at a ninety (90) days'
     notice to dodo. dodo shall then have the right to cure the Defects to the
     satisfaction of IMS within the ninety (90) days notice period. Upon curing
     the Defects satisfactorily by dodo within the notice period, IMS shall not
     terminate the Agreement for the Defects. If no actions to cure the Defects
     are taken by dodo, the termination will be effective at the conclusion of
     such ninety (90) day Notice. For the purposes of this Section 5.4, Defects
     shall mean: (1) bankruptcy of dodo; (2) insolvency of dodo; (3) any
     fraudulent acts of dodo; and, (4) default on payments of royalty and other
     payments.

5.5  Termination for Breach: Either party may terminate this Agreement on sixty
     (60) days' prior written notice if the other party is in default or breach
     of any material provision of this Agreement, provided, however, that if the
     other party causes or diligently commences to cure the breach or default
     within such sixty (60) day period, this Agreement shall continue in full
     force and effect. Failure to terminate this Agreement for any default or
     breach shall not constitute a waiver by the aggrieved party of its right to
     terminate the Agreement for any other default or breach. Upon breach by
     dodo and the subsequent termination by IMS, the provisions of section 4.1.5
     above shall be vacated in its entirety. Upon breach by IMS, dodo shall have
     the right to bring necessary legal claims against IMS.

5.6  Continuing Rights: No termination of this Agreement shall affect the rights
     of IMS to earned royalty payments and any other payments due IMS.
     Confidentiality obligations pursuant to Article 9 herein shall survive
     termination of this Agreement.

5.7  Cessation of Marketing: If dodo ceases efforts to market and sell dodo
     Product for a period of one (1) Quarter in an commercially reasonable
     manner as represented in dodo's Marketing Plan to be provided by dodo as
     specified in section 6.2 below, through no fault of IMS, IMS shall have the
     right to terminate this Agreement immediately with a notice given to dodo
     and the provisions of section 4.1.5 shall be vacated in its entirety.

5.8  Right to Sell-off Inventory: Upon termination of this Agreement for any
     reason dodo shall have the right to sell-off any remaining inventory of
     dodo Product subject to all the terms and conditions.

                        ARTICLE 6 - DUTIES OF THE PARTIES

6.1  Product Development Costs: dodo shall manage and fund further development
     of dodo Products at its discretion. Dodo shall be responsible for
     development of approximately ten (10) cosmetic products utilizing Axen for
     dodo's premium brand.
<PAGE>
6.2  Marketing Plan: dodo shall provide IMS with dodo's marketing plans
     detailing the future planned marketing efforts throughout the term of this
     Agreement to be reviewed by IMS in advance, before or on June 1, 2001and
     the marketing plan, and dodo's performance thereof shall be attached to
     this Agreement as APPENDIX A.

6.3  Manufacturing: dodo shall be solely responsible for manufacturing,
     advertising, promoting, pricing and selling dodo Products in the Territory
     during the Term.

6.4  Regulatory Approval: dodo shall use diligent efforts to obtain, at its own
     expense, any necessary regulatory approval required to market dodo
     Products.

6.5  Trademark Supervision: dodo shall provide samples of dodo Product bearing
     any IMS or Silverion trademark to IMS prior to offering such dodo Product
     for sale to third parties. dodo further agrees to give IMS access to dodo
     manufacturing facilities, to permit IMS to determine and assure that a
     consistently high level of quality is maintained for all Products that bear
     a licensed IMS or Silverion trademark. IMS shall be responsible for
     registration of Silverion trademark in countries other than Korea at IMS's
     own expense. IMS further grants and dodo shall have no restrictions to use
     Silverion trademark on a world-wide basis for dodo Products.

6.6  Technology Support: IMS shall provide dodo with all necessary support in
     order for dodo to develop dodo Products utilizing Axen. Such support shall
     include but are not limited to all test conducted by IMS or independent lab
     in so far as it is related to the development of dodo Product in IMS's sole
     discretion; provision of IMS formula chemist; free and clear dialogs
     between dodo engineers IMS engineers; and, any proprietary information
     reasonably necessary for the development of dodo Products.

    6.6.1 On-Site Support: upon request by dodo, IMS shall make available IMS's
          formula chemist, engineers and marketing staff to visit dodo's
          facilities in an effort to develop dodo Product as necessary. Upon
          such visitation, IMS shall be responsible for all transportation costs
          for up to two (2) visits in any calendar year and dodo shall be
          responsible for the cost of room and board of such staff during their
          official visitation period. dodo shall be responsible for
          transportation and room and board of any further on-site support
          beyond the two(2) visits per calendar year specified above.

                  ARTICLE 7 - WARRANTIES AND INDEMINIFICATIONS

7.1  IMS Warranties: IMS hereby warrants that it has the right to enter into
     this Agreements and that no other party has any other interest in the
     subject matter hereof. IMS further warrants that it is not under any
     pre-existing obligations inconsistent with the provisions of this
     Agreement.

    7.1.1 Additional IMS Warranties: As of the Effective Date, IMS warrants
          that: (1) there are no fact or circumstance that may make any Patent
          invalid or unenforceable; (2) there are no other patent rights that
          may prevent dodo from using Product; (3) there are no claims,
          judgements, or settlements to be paid by IMS or pending claims
          relating to any patent; and (4) there are no infringement of any
          Patent by any third party in the Territory.

    7.1.2 Nothing in this Agreement shall be construed as an obligation to
          furnish any manufacturing process information except as otherwise
          specified under Section 6.6.

    7.1.3 Nothing in this Agreement shall be construed as a representation that
          any Product or any trademark will support the successful promotion,
          marketing or sale of the dodo Product.
<PAGE>
7.2  dodo Warranties: dodo hereby warrants that it has the right to enter into
     this Agreements and that no other party has any other interest in the
     subject matter hereof. dodo further warrants that it is not under any
     pre-existing obligations inconsistent with the provisions of this
     Agreement.

    7.2.1 Additional dodo Warranties: As of the Effective Date, dodo warrants
          that: (1) there are no fact or circumstance that may make any Patent
          invalid or unenforceable; (2) there are no other patent rights that
          may prevent dodo from using Product; (3) there are no claims,
          judgements, or settlements to be paid by dodo or pending claims
          relating to any patent; and (4) there are no infringement of any
          Patent by any third party in the Territory.

    7.2.2 Nothing in this Agreement shall be construed as an obligation to
          furnish any manufacturing process information except as otherwise
          specified under Section 6.6.

    7.2.3 Nothing in this Agreement shall be construed as a representation that
          any Product or any trademark will support the successful promotion,
          marketing or sale of the dodo Product.

7.3  EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, THE PARTIES EXPRESSLY
     DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION,
     WARRANTIES OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE.

7.4  Indemnification by dodo: dodo shall indemnify, defend and hold harmless IMS
     and its officers, agents, servants and employees against any and all claims
     of or liabilities to third parties, including expenses and costs of claims
     and suits for any such third party's loss, damage, injury or loss of life,
     if such claims or liabilities:

    7.4.1 arise from commercial sale of any dodo Products;

    7.4.2 arise from actions of dodo or its officers, servants, or agents, or
          third parties acting on behalf of or under authorization from in the
          performance of this Agreement; or,

    7.4.3 Arise from the breach of this Agreement by dodo.

    7.4.4 Notification of Claim dodo shall promptly notify IMS upon dodo's
          receipt of notification of claims or liabilities described herein and
          shall cooperate fully with IMS , at dodo's expense, in the defense of
          such claims.

7.5  Indemnification by IMS: IMS shall indemnify, defend and hold harmless dodo
     and its officers, agents, servants and employees against any and all claims
     of or liabilities to third parties, including expenses and costs of claims
     and suits for any such third party's loss, damage, injury or loss of life,
     if such claims or liabilities:

    7.5.1 arise from commercial sale of Axen;

    7.5.2 arise from actions of IMS or its officers, servants, or agents, or
          third parties acting on behalf of or under authorization from in the
          performance of this Agreement; or,

    7.5.3 Arise from the breach of this Agreement by IMS.

    7.5.4 Notification of Claim IMS shall promptly notify dodo upon IMS's
          receipt of notification of claims or liabilities described herein and
          shall cooperate fully with dodo, at IMS's expense, in the defense of
          such claims.
<PAGE>
7.6  Reimbursement: As the Parties intend full indemnification, all costs,
     expenses and fees, including attorney's fees and disbursements, incurred in
     enforcing this Article 7 shall also be reimbursed. Upon filing of any such
     claim or suit, aggrevied Party shall immediately notify the other Party
     thereof and the non-damaged Party may defend or settle any such action, or
     any part thereof brought against the damaged Party or pay damaged Party's
     counsel to defend same. Both parties' obligations under this Section are
     conditioned upon its being given (i) prompt notice of each such claim
     received in writing by either Party; and, (ii) the right to control and
     direct the investigation, defense and settlement of each such claim. The
     provisions of this Section shall survive the termination of this Agreement.

7.7  Claims by Third Parties: In the event a party to this Agreement is
     threatened with a suit by a third party rising out of this Agreement, the
     party being threatened shall give prompt Notice to the other party. The
     parties agree to confer together in such event and consult with one another
     with respect to the action to be taken.

                     ARTICLE 8 - CONFIDENTIALITY PROVISIONS

8.1  Confidentiality: IMS and dodo realize that some information received by one
     party from the other pursuant to this Agreement may be Confidential
     Information. Parties are responsible for specifying which information being
     provided are confidential in nature. Any Confidential Information shall not
     be disclosed by the receiving party to any third party and shall not be
     used by the receiving party for purposed other than those contemplated by
     this Agreement for a period of three (3) years from the cessation of this
     Agreement.

8.2  Additional Confidentiality Provisions: With respect to the Confidential
     Information provisions set forth in Paragraph 8.1:

    8.2.1 each party will use that level of care to prevent the use or
          disclosure of the other party's Confidential Information as it
          exercises in protection its own Confidential Information.

    8.2.2 Notwithstanding the foregoing dodo is permitted to disclose and use
          such Confidential Information to the extent reasonable necessary to
          exercise dodo license hereunder, provided that the Confidential
          Information is made subject to confidentiality restrictions consistent
          with those in this Agreement

    8.2.3 Upon termination of this Agreement each party shall return to the
          other or destroy all Confidential Information as to which the
          obligation of confidentiality has not expired, together with all
          copies and other forms of reproduction, except that a single archive
          copy of such Confidential Information my be retained by each party to
          monitor compliance with this Agreement.

8.3  Limitations on Confidentiality: The restrictions imposed under this
     Agreement shall not apply to the disclosure of any information necessary to
     obtain patents on inventions of the parties relating to the subject matter
     of this agreement, or to comply with the Korean or US laws or regulations,
     including, but not limited to, Korean and US laws governing the
     registration and sale of securities.

8.4  No Use of the name, of either party in any form of promotion or in
     connection with the sale of products, processes, devices, or designs or in
     license negotiations with third parties is permitted without prior written
     approval from the other party.

<PAGE>
                               ARTICLE 9 - NOTICE

9.1  Notice: Notices to either Party required under the Agreement shall be in
     writing and shall for all purposes be deemed to be fully given and received
     by a party if actually received by such party or on the fifth (5th) day
     after mailing by express air mail, to such party at its address set forth
     above or to such other person or persons or address as may be designated by
     such party from time to time by written notice given as provided herein.

9.2  Oral Notice Ineffective: Notice not given in writing shall not be effective
     against the party to whom such Notice was given.

                           ARTICLE 10 - MISCELLANEOUS

10.1 Choice of Law and Forum: All disputes, controversies, or differences which
     may arise between the Parties, out of or in relation to or in connection
     with this Agreement, or for the breach thereof, shall be finally settled by
     arbitration or a court of confident jurisdiction in Korea. This Agreement
     shall be interpreted and construed and the legal relations created herein
     shall be determined in accordance with the laws of the Republic of Korea.

10.2 Parties are Independent: Nothing in this Agreement shall be construed or
     interpreted as creating an agency, partnership, joint venture or similar
     business relationship between IMS and dodo. It is understood that the
     parties hereto are independent contractors with respect to each other and
     engage in the conduct of their own respective businesses. Neither party
     shall have any responsibility for the hiring, termination, compensation or
     benefits of the other party's employees. Neither IMS nor dodo is to be
     considered the agent or employee of the other for any purpose, and neither
     party has the right or authority to enter into any contracts or assume
     obligations for the other or to give any warranty or make any
     representation on behalf of the other party except where and to the extent
     specifically authorized in writing to do so.

10.3 Severability: Should any provision of this Agreement be held unenforceable
     or in conflict with the law of any jurisdiction, the validity of the
     remaining provisions shall not be affected by such holding.

10.4 Merger and Integration: This Agreement embodies the entire understanding
     between the parties and merges all prior discussions between them, and
     neither party shall be bound by any definition, condition, warranty,
     representation or term other then as expressly stated in this Agreement or
     as subsequently or concurrently set forth in a writing signed by duly
     authorized representative of the parties hereto.

10.5 Counterparts: This agreement can be executed in any number of counterparts,
     each of which shall be deemed on original hereof, but all of which shall
     constitute one and the same instrument.

10.6 No Waiver of Rights: No waiver of any term, provision, or condition of this
     Agreement, whether by conduct or otherwise, in any one or more instances,
     shall be deemed to be construed as a further or continuing waiver of any
     such term, provision, or condition of this Agreement.

10.7 Force Majeure: Neither Party shall be liable hereunder to the other Party
     nor shall be in breach for failure to deliver, provided failure to deliver
     is no greater than the delay in time caused by circumstances beyond control
     for either party, including but not limited to acts of God, fires, floods,
     riots, wars, civil disturbances, sabotage, accidents, labor disputes,
     government actions (including but not limited to priorities, requisitions,
     allocations and price adjustment restrictions).

10.8 Further Assurance: The parties hereto shall each perform such acts, execute
     and deliver such instruments and documents and do all such other things as
     may be reasonably necessary to accomplish the transactions contemplated in
     this Agreement. The parties shall cooperate in all respects and, to the
     extent possible, have their employees testify when requested and make
     available relevant records, papers, information, samples, specimens, and
     the like.
<PAGE>
10.9 Records and Audit Rights: During the term of this Agreement and for five
     (5) years thereafter, dodo shall keep, complete, true and accurate records
     containing all the particulars that may be necessary to enable royalties
     payable to IMS hereunder to be determined, and permit said records to be
     inspected at any time during regular business hours, upon reasonable
     notice, but in no event more frequently than once during any twelve (12)
     month period, by an independent auditor appointed by IMS for this purpose
     and acceptable to dodo who shall report to IMS only the amount of royalty
     payable hereunder. This audit shall be at IMS expense unless audit shows an
     underpayment in amounts due IMS by five percent (5%) or more for any
     six-month royalty period in the periods subject to audit, in which case the
     reasonable costs of such audit shall be borne by dodo. The results of any
     such audit shall be Confidential Information.

10.10 Successors & Assigns: this Agreement shall bind and inure to the benefit
      of the heirs, successors and assigns of the parties hereto.

10.11 No Strict Construction: This Agreement has been prepared jointly and shall
      not be strictly construed against either part.

10.12 Consent Not Unreasonably Withheld: Whenever provision is made in this
      Agreement for either party to secure the consent or approval of the other,
     such consent or approval shall not unreasonably be withheld or delayed, and
      whenever in this Agreement provision is made for one party to object to or
      disapprove a matter, such objection or disapproval shall not unreasonably
      be exercised or delayed.

10.13 Bankruptcy: At least ninety (90) days prior to filing a petition in
     bankruptcy, each Party must Notify the other of its intention to file a
     petition in bankruptcy or, if known through statements or letters from a
     creditor or otherwise. A Party's failure to perform this obligation shall
     be deemed to be a material pre-petition incurable default and breach under
     this Agreement.

10.14 Assignment: Except for the provisions of section 5.2 above, neither Party
     shall transfer or assign any of its rights or delegate any of its
     obligations hereunder, in whole or in part, whether voluntarily or by
     operation of law, without the written consent of the other Party. Any
     purported transfer, assignment, or delegation by either Party without such
     or written consent shall be null and void ab initio and of no force or
     effect. Notwithstanding the foregoing, without securing such consent,
     either Party may upon written notice to the other Party assign this
     Agreement and its rights and obligations hereunder to any successor of such
     first Party by way of merger, consolidation, or the acquisition of
     substantially all of such first Party's business and assets relating
     hereto.

10.15 Singular and Plural: The use herein of the singular form shall also denote
     the plural form, and the use herein of the plural form shall denote the
     singular form as in each case the context may require.

10.16 Headings: The headings of the Articles of this Agreement are inserted for
     convenience only, and shall not constitute a part hereof.

10.17 References: All references herein to articles, section paragraphs and
     attachments shall be to articles, section paragraphs and attachments of
     this Agreement.

10.18 No Finder's Fee: The parties acknowledge that no "finder" has been
     involved in bringing the parties together and that no compensation is due
     to any third party(s) as a result of the execution of this Agreement.

10.19 Third Party Royalties: Except as otherwise expressly provided herein dodo
     shall not be liable for any royalty payments to any third party.

10.20 Costs of Agreement: The parties hereto shall each bear their own costs and
     expenses (including attorneys' fees) incurred in connection with the
     negotiation and preparation of this Agreement and consummation of the
     transactions contemplated hereby.
<PAGE>
10.21 Amendment.: This Agreement shall not be amended, modified, or supplemented
     by the Parties in any manner, except by an instrument in writing signed on
     behalf of each Party and otherwise as set forth herein.

IN WITNESS WHEREOF, the parties hereto have caused this instrument to be signed
in duplicate by their duly authorized officers.

Innovative Medical Services, Inc.               dodo & Company
Michael Krall, President                        Gyu Gun Choi, President
1725 Gillespie Way,                             Dabo Bldg., 577 Shinsa-Dong,
El Cajon, CA 92020                              Kangnam-Ku, Seoul, Korea

Sign: /s/ Michael L. Krall                      Sign:/s/ G. G. Choi
--------------------------                      -------------------
Date: 3/16/01                                   Date:3/5/01

                    Innovative Medical Services Asia (under incorporation)
                    Min Sang Lee, President
                    Hanra Classic Officetel, Suite 710, Yeoksam-Dong,
                    Kangnam-Ku, 824-11, Seoul, Korea

                    Sign: /s/ Min Sang Lee
                    ----------------------
                    Date: 3/16/01

<PAGE>

Dodo Agreement Dated March 5, 2001

Appendix A:       Marketing Plan

[NOTE TO SEC EXHIBIT 10.5: THE MARKETING PLAN REFERENCED IN SECTION 6.2 OF THE
AGREEMENT WAS NEVER PROVIDED TO THE REGISTRANT BY DODO]

<PAGE>EXHIBIT 10.9

                             SALES FINANCE AGREEMENT

This Agreement is entered into as of this 15th day of August, 2000 (the
"Effective Date") by and among MBNA AMERICA BANK, N.A., a national banking
association having its principal place of business in Wilmington,, Delaware
("MBNA"), INNOVATIVE MEDICAL SERVICES, INC., a California corporation having its
principal place of business in El Cajon, CA ("'IMS") and AUTOMATED PAYMENT
SERVICE, INC., a Pennsylvania corporation having its principal place of business
in Jenkintown, Pennsylvania ("AP S"), for themselves and their respective
successors and assigns.

1.       DEFINITIONS
         -----------
When used in this Agreement, "Agreement" means this agreement and Schedules A
and B and Exhibit 1.

"Customer" means any Dealer Customer who establishes a Loan Account under the
Program.

"Dealer" means an authorized retail seller of IMS Products to consumers pursuant
to a written agreement with IMS.

"Dealer Customer" means any purchaser or potential purchaser of IMS Products.

"Dealer Agreement" means the MBNA agreement to be executed by a Qualified
Dealer.

"Financial Service Products'" means unsecured credit card programs, unsecured
charge card programs, unsecured installment loan programs, unsecured revolving
loan programs.

"IIMS Affiliate" means any entity which, directly or indirectly, owns or
controls, is owned or controlled by, or is under common ownership or control
with IMS.

"IIMS Products" means the water purification system products and related goods,
or services sold or provided by IMS.

"Loan Account" means a consumer credit account established by an Dealer Customer
in response to marketing efforts made pursuant to the Program.

"Pilot Period" means the first 120 days of this Agreement beginning on the
Effective Date.

"Program" means those Financial Service Products and related Services offered to
the Dealer Customers from time to time,

"Qualified Dealer" means a Dealer mutually selected by MBNA, APS and IMS for
Participation in the Program and which is bound by a Dealer Agreement.

MBNA Contract.doc

<PAGE>

"Settlement Account" means APS' bank account described on Schedule B hereto
which the parties agree shall be used solely for the Program, for depositing
certain Loan Account proceeds.

"Trademarks" means any design, image, visual representation, logo, service mark,
trade dress, trade name, or trademark used or acquired by MBNA or IMS, as the
case may be, during the term of this Agreement.

2.       EXCLUSIVIITY
         ------------
(a) IMS and APS agree that during the term of this Agreement, IMS and APS: (i)
will endorse the Program exclusively and that neither IMS nor APS shall sponsor,
advertise, aid, develop, solicit or enter into any other arrangements for
Financial Service Products of any entity or person other than MBNA; (ii) will
not license or allow others to license any IMS Trademark in relation to or for
promoting any Financial Service Products of any entity or person other than
MBNA; and (iii) will not sell, rent or make available or allow others to sell,
rent or make available any of its mailing lists or any information about any
Dealer Customers in relation to or for promoting any Financial Service Products
of any entity or person other than MBNA. For purposes of this Section 2(a), APS"
covenants in this Section 2(a) only apply to APS's involvement with IMS Products
and the Qualified Dealers. Nothing herein shall be deemed to prohibit IMS or APS
from continuing to accept credit cards, charge cards and checks as a form of
payment for the IMS Products.

(b) Subject to the terms and conditions of this Agreement, IMS agrees to market
the Program to Dealers, and will include its endorsement of the Program in its
various marketing and promotional communications to the Dealers. Upon IMS, APS
and MBNA selecting a Dealer for participation in the Program, APS will send the
Dealer Agreement to such Dealer for execution by.

(c) Nothing in Section 2(a) of this Agreement shall be deemed to prohibit IMS or
APS from entering into an agreement with a third party for the purpose of
referring Loan Account applications which have been declined by MBNA to such
third party for decisioning; provided, however, that (i) such referrals shall be
subject to satisfaction of applicable laws, as reasonably determined by MBNA,
including, but not limited to, the Fair Credit Reporting Act any privacy laws,
MBNA's then existing privacy policy; and (ii) MBNA shall assume no involvement
(other than ensuring that its application complies with all applicable laws),
cost, or expense in such subsequent Loan Account application referral by APS or
IMS.

3.       PROGRAM
         -------

(a) MBNA shall design and administer the Program. The Program will offer Dealer
Customers the opportunity to finance the purchase of IMS Products.

(b) MBNA shall design and produce all Loan Account materials (i.e. applications,
disclosures and related account fulfillment material) at its sole cost. IMS
shall have prior

                                        2

<PAGE>

approval rights aver MBNA's use of IMS's Trademarks, which shall not be
unreasonably withheld or delayed.

(c) In accordance with Section 3(d), IMS and APS, at their sole cost, shall
market the Program to Dealers. IMS and APS shall, where practicable, give MBNA
at least thirty (30) days prior notice of all new marketing initiatives or
campaigns.

(d) IMS and APS shall, and shall cause the IMS Affiliates to, provide
information to or otherwise communicate with Dealer Customers and Dealers about
the Program only with MBNA's prior written approval, except for current
advertising and solicitation materials provided by MBNA to IMS and APS.
Notwithstanding the above, IMS and/or AP'S may respond to individual inquiries
about the Program from Dealer Customers and Dealers, provided that said
responses are accurate and consistent with the then-current materials provided
by MBNA to IMS and/or APS. Correspondence mistakenly sent to IMS or APS that is
intended for MBNA (e.g, direct mall applications, payments, billing inquiries,
etc.) shall be forwarded to the MBNA account executive via overnight courier
within one business day of receipt. All charges incurred for this service will
be paid by MBNA.

(e) MBNA shall have the right of prior approval aver all Program marketing
materials and any other materials which make reference (whether oral, written or
electronic) to MBNA, the Program or the Loan Accounts (including but not limited
to any modification to materials previously approved by MBNA), which approval
shall not be unreasonably withheld or delayed.

(f) All referrals of Dealer Customers to MBNA for a Loan Account will be done in
accordance with MBNA's instructions and its policies and procedures.

(g) MBNA shall, at its sole cost, design all education materials for IMS and
AP'S employees relating to the Loan Accounts. Such materials shall be promptly
distributed by IMS and APS in accordance with MBNA's instructions.

(h) IMS and APS shall each ensure that it and each of its employees and the
Qualified Dealers who market Loan Accounts are knowledgeable regarding the IMS
Products (e.g., door-to-door sales), the referral process, the Loan Accounts and
the laws, rules and regulations applicable to the marketing and processing of
Loan Accounts, and shall comply with each of the same. IMS and APS agree to
permit MBNA to monitor and/or test any Program marketing and any credit
solicitation referral process performed by IMS, APS or a Qualified Dealer
utilizing site visitation (e.g., visiting IMS's, APS's or a Qualified Dealer's
facilities) and remote listening (e.g., listening from an MBNA facility)
"'Monitor"), all in accordance with applicable law.

(i) MBNA shall make all credit decisions under the Program independently of IMS,
APS and the Qualified Dealers.

(j) IMS and MBNA each hereby grants the other party a limited license to use the
IMS's Trademarks and the MBNA's Trademarks, respectively, (collectively,
"Trademarks") solely in conjunction with the Program, including the promotion
thereof. The Trademarks may not be

                                        3

<PAGE>

used by any other person for any other reason except as permitted in accordance
with this Agreement. This license shall remain in effect for the duration of
this Agreement, notwithstanding the transfer of such Trademarks by operation of
law or otherwise to any permitted successor, corporation, organization or
individual.

(k) IMS and APS shall each use their best efforts to cause those Dealers
mutually selected by IMS, APS and MBNA for participation in the Program to
execute the Dealer Agreement. IMS and APS shall have sole responsibility for
handling all correspondence and disputes between IMS, APS and/or the Dealers
regarding IMS Products. APS shall distribute payments to and conduct settlement
with a Qualified Dealer owed money arising from the sale of IMS Products
financed with a Loan Account in accordance with its agreement with such
Qualified Dealer. APS shall transmit the funds to the Qualified Dealers or, if
the Qualified Dealer authorizes in writing, to IMS within one business day after
receipt from MBNA. Except as set forth in a Dealer Agreement, MBNA has no
obligation to, or responsibility regarding, a Qualified Dealer.

(l) IMS and APS each agree to use commercially reasonable efforts to assist MBNA
with its relationship with Qualified Dealers, which includes, but is not limited
to, causing Qualified Dealers to comply with the Dealer Agreement.

4.       SETTLEEMENT
         -----------
(a) For Customers using the Loan Account to finance the purchase of IMS Products
through a funds transfer from the Loan Account to APS and then to IMS or a
Qualified Dealer, settlement of such amounts shall be handled in the following
manner. APS shall transmit to MBNA, using the facilities provided by MBNA,
settlement transactions containing purchases of IMS Products made on Loan
Accounts (only after the IMS Product has been installed and any and all
applicable rights to cancel such purchase contract have lapsed) containing at a
minimum the Loan Account number, amount of transaction, transaction date, and
name and address of the Customer (and other agreed upon information). APS agrees
not to send a settlement transaction to MBNA for any amount due IMS or the IMS
Dealer until the Dealer Customer has signed IMS's Certificate of Completion and
such certificate is in APS's possession and APS has called and spoken to the
Dealer Customer (known as the "Customer Satisfaction Call") and the Dealer
Customer acknowledges 100% satisfaction with the IMS Product and its
installation and/or performance.

(b) Provided that IMS submits a settlement transaction as required above, MBNA
shall credit the Settlement Account within (i) seven (7) business days after
MBNA's receipt of such settlement file on Qualified Purchases generated from
Loan Accounts opened as a result of a direct mail application, a take-one
application, or a telemarketing application; and (ii) two (2) business days
after MBNA's receipt of such settlement file on Qualified Purchases generated
from Loan Accounts opened as a result of an internet application or any other
type of application where the Dealer Customer receives the appropriate
disclosures at the point of sale; provided however that MBNA may delay creating
such Settlement Account until it reasonably believes that the relevant Customers
have received the legally-required disclosures or may expedite the crediting of
such Settlement Account if the relevant Customer has already received the
legally-required disclosures.

                                        4

<PAGE>

5.       ACCOUNT INFORMATION
         -------------------
(a) As a result of the procedures that IMS and APS may use pursuant to this
Agreement to market and refer Loan Account applications, IMS and/or APS may have
in their possession from time to time information contained in Loan Account
applications or concerning MBNA's Loan Accounts with Customers ("Account
Information"). IMS and APS agree that Account Information is confidential and
proprietary to MBNA and that neither IMS not APS has any property right or
interest in any Account Information. Account Information becomes a part of
MBNA's own files and MBNA will not use this separate information in a manner
that would imply an endorsement by IMS or APS. IMS and APS agree to hold Account
Information in strict and absolute confidence and agree not to provide access
to, trade, give away, barter, lend, send, sell or otherwise disclose
(collectively "Transfer") any Account Information and shall not make any copies
of the same of any type. For example, IMS may not Transfer to any entity or
person any list containing Account Information. Notwithstanding this Section 5
(but subject to Section 2), IMS and APS may use or Transfer any information it
obtains in connection with the sale of IMS Products in the ordinary course of
its business (excluding information relating directly to or identifying a
Customer's participation in the Program and/or to the Loan Accounts).

(b) Neither IMS nor APS may use Account Information for any purpose not directly
necessary for its performance under this Agreement IMS and APS both agree to
comply with any security precautions reasonably requested of MBNA to maintain
the security of Account information. Both IMS and APS shall permit access to
these materials only to employees who need such access to perform their duties.
IMS and APS each warrant that it and all its employees who work with Account
Information shall be made aware of the obligations contained in this Section 5
and shall be under strict legal obligation not to copy, Transfer or make any use
of any Account Information other than as specifically approved by this Section
5.

6.       REFUNDS/COMPLAINTS
         ------------------
(a) All refunds due to Dealer Customers regarding IMS Products purchased with a
Loan Account, other than those refunds arising from complaints about such IMS
Products, shall be promptly remitted by IMS to MBNA for crediting.

(b) MBNA shall promptly resolve Dealer Customer complaints regarding the grant
or denial of applications for Loan Accounts and the on-going servicing of Loan
Accounts.

(c) IMS shall (with the assistance of APS and the applicable Qualified Dealer)
resolve all Customer complaints regarding IMS Products financed under the
Program within 45 days from the date the complaint arises (i.e., the date IMS
receives notice of the complaint from MBNA or a Customer). In the event that a
Customer complaint is not resolved as set forth below within the 45 day period,
then IMS and APS agree that MBNA may debit the Settlement Account for payment of
all disputed amounts, which includes related finance charges and account fees
and those shipping and handling fees applicable to return shipment. If MBNA does
not debit the Settlement Account, then, upon MBNA's request, IMS shall pay to
MBNA all such disputed

                                        5

<PAGE>

amounts within three business days. IMS shall provide prompt feedback on the
status of each such complaint when requested by MBNA. For purposes of this
subsection 6(c), IMS has resolved a Customer complaint when IMS has thoroughly
investigated the complaint and:

         (i)      has determined that the complaint is valid and: (I)has
                  credited such disputed amount to MBNA for the relevant
                  Customer's Loan Account, or has authorized MBNA to debit the
                  Settlement Account for such disputed amount and there are
                  sufficient funds in the Settlement Account for such debit; or
                  (II) has agreed with the Customer to repair or replace the IMS
                  Product or otherwise satisfy the Customer; or
         (ii)     has determined that the Customer's complaint is invalid (i.e.,
                  the Customer is not entitled to any remedy pursuant to IMS's
                  terms and conditions of sale, any express or implied warranty,
                  or applicable law) and has provided written evidence to MBNA
                  supporting such determination (e.g, evidence adequately
                  refuting a Customer's claim of non-acceptance or non-delivery
                  of the IMS Product).

(d) IMS and MBNA shall negotiate in good faith to reduce the frequency and
severity of complaints regarding IMS Products financed under the Program. If the
frequency or severity of complaints are unacceptable to MBNA, MBNA reserves the
right to terminate the Agreement upon thirty (30) days notice to IMS and APS.

7.       REPRESENTATIONS AND WARRANTIES
         ------------------------------

(a) Mutual Representations: IMS, APS and MBNA each represents and warrants to
the other that as of the Effective Date and throughout the term of this
Agreement:

     1.   It is duly organized, validly existing and in good standing.

     2.   It has all necessary power, licenses, and authority to execute and
          deliver this Agreement and to perform its obligations under this
          Agreement.

     3.   This Agreement constitutes a legal, valid and binding obligation of
          such party, enforceable against such party in accordance with its
          terms, except as such enforceability may be limited by bankruptcy,
          insolvency, receivership, reorganization or other similar laws
          affecting the enforcement of creditors' rights generally and by
          general principles of equity.

     4.   No consent, approval or authorization from any third party is required
          in connection with the execution, delivery and performance of this
          Agreement, except such as have been obtained and are in full force and
          effect.

     5.   The execution, delivery and performance of this Agreement by such
          party will not constitute a violation of any contract, law, rule,
          regulation, court order or ruling applicable to such party.

                                        6

<PAGE>

     6.   It has the right and power to license its respective Trademarks to the
          other party for use as contemplated by this Agreement.

(b) IMS Representations: IMS additionally represents and warrants, as
applicable, to MBNA that as the Effective Date and throughout the term of the
Agreement:

     1.   IMS will comply with its policies and procedures related to the sale
          of IMS Products (including but not limited to contract or terms of
          sale, warranties, express or implied, and corporate fraud policies)
          and will give MBNA 60 days prior notice of any material change to such
          policies.

     2.   The IMS Products purchased under the Program will be priced the same
          by each Qualified Dealer as those IMS Products purchased with cash or
          using any other extension of credit and each Qualified Dealer will not
          charge a fee to any Dealer Customer for any aspect of the financing
          services offered under the Program.

     3.   Qualified Dealers who market IMS Products through door-to-door
          marketing and retail stores are properly licensed as required by any
          local, state or federal law, rule or regulation and are in compliance
          with all such laws, rules and regulations.

8.       PROGRAM ADJUSTMENTS
         -------------------
A summary of the current features of the Program is set forth in Schedule A.
MBNA reserves the right to make periodic adjustments to the Program and its
terms and features.

9.       CROSS INDEMNIFICATION
         ---------------------
IMS, APS and MBNA each will indemnify and hold harmless the others, their
directors, officers, agents, employees, affiliates, insurers, successors and
assigns (the "Indemnitees") from and against any and all loss, liability,
damage, expense. cause of action, claim, and the reasonable and actual costs
incurred in connection therewith ("Losses"), resulting from the material breach
of this Agreement by IMS, APS or MBNA, respectively as the case may be, or its
directors, officers, employees or agents. IMS will indemnify and hold harmless
MBNA and its Indemnitees from and against any and all Losses arising from: (i)
any actual or alleged damages to any person or property arising from any IMS
Product; (ii) any fraudulent act of any Dealer Customer regarding a Loan Account
application; and (iii) any fraudulent act of IMS or its employees or agents and
(iv) a Qualified Dealer's failure to comply with its Dealer Agreement. APS will
indemnity and hold harmless MBNA and its Indemnitees from and against any and
all Losses arising from any fraudulent act of APS or its employees or agents.
MBNA will indemnify and hold harmless APS and IMS and its Indemnitees from and
against any and all Losses arising from any fraudulent act of MBNA or its
employees or agents. Each party shall promptly notify the other party in the
manner provided herein upon learning of any claim or complaints that may
reasonably result in the indemnification by the other party.

10.      CONFIDENTIALITY OF AGREEMENT
         ----------------------------

                                        7

<PAGE>

The master confidentiality agreement between the parties, dated
_________________ ("Master Confidentiality Agreement"), sets forth the
respective confidentiality obligations of MBNA and IMS. For the avoidance of
doubt, the terms of this Agreement, any proposal, financial information and
proprietary information provided by or on behalf of one party to the other party
prior to, contemporaneously with, or subsequent to, the execution of this
Agreement shall be considered "Confidential Information" within the meaning of
the Master Confidentiality Agreement. The parties agree that, notwithstanding
anything in the Master Confidentiality Agreement to the contrary, the term of
the Master Confidentiality Agreement is hereby amended to expire on the later of
the termination of this Agreement or the Master Confidentiality Agreement.

11.      TERM OF AGREEMENT
         -----------------
The initial term of this Agreement will begin on the Effective Date and end at
midnight on the third year anniversary of the Effective Date. This Agreement
will automatically extend at the end of the initial term or any renewal term for
successive two-year periods, unless either party gives written notice of its
intention not to renew at least ninety (90) days, but not more than one hundred
eighty (180) days, prior to the last date of such term or renewal term, as
applicable. Notwithstanding the above, either party may terminate this Agreement
at the end of the Pilot Period by giving notice to the other not later than 30
days prior to the end of the Pilot Period.

12.      STATE LAW GOVERNING AGREEMENT
         -----------------------------
This Agreement shall be governed by and subject to The laws of the State of
Delaware (without regard to its conflict of laws principles) and shall be deemed
for all purposes to be made and fully performed in Delaware.

13.      TERMINATION
         -----------

(a). Breach: Notice: Cure: In the event of any material breach of this Agreement
by MBNA, IMS may terminate this Agreement by giving notice, as provided herein,
to the breaching party. This notice shall: (i) describe the material breach; and
(ii) state the party's intention to terminate this Agreement. if the breaching
party does not cure or substantially cure such breach within sixty (60) days
after receipt of notice, as provided herein (the "Cure Period"), then this
Agreement shall terminate sixty (60) days after the Cure Period.

(b). Insolvency: If MBNA, APS or IMS becomes insolvent in that its liabilities
exceed its assets, or is adjudicated insolvent, or takes advantage of or is
subject to any insolvency proceeding, or makes an assignment for the benefit of
creditors or is subject to receivership, conservatorship or liquidation then
MBNA (if the insolvent party is APS or IMS) or IMS or APS (if MBNA is the
insolvent party) may immediately terminate this Agreement.

(c). Effect on Trademarks: Upon termination of this Agreement, the parties
shall, in a manner consistent with Section 13(d) of this Agreement, cease to use
the other's Trademarks. Each

                                        8

<PAGE>

party agrees that upon such termination it will not claim any right, title, or
interest in or to the Trademarks provided pursuant to this Agreement. However,
MBNA may conclude all solicitation that is required by law.

(d). MBNA Right of Prior Review: MBNA shall have the right to prior review and
approval of any notice in connection with, relating or referring to the
termination of this Agreement to be communicated by IMS, APS or any IMS
Affiliate to the Dealers or Dealer Customers. Such approval shall not be
unreasonably withheld. Upon termination of this Agreement, IMS shall not attempt
to cause the removal of the IMS Trademarks from any person's credit devices,
checks or records of any Customer existing as of the effective date of
termination of this Agreement.

14.      LIMITATION OF LIABILITY
         -----------------------
IN NO EVENT SHALL EITHER PARTY BE LIABLE TO THE OTHER FOR ANY SPECULATIVE,
INDIRECT, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED
TO LOST PROFITS OR LOST REVENUE, EVEN IF ADVISED IN ADVANCE OF THE POSSIBILITY
OF SUCH DAMAGES, IN CONNECTION WITH PERFORMANCE UNDER THIS AGREEMENT.

15.      MISCELLANEOUS
         -------------
(a) This Agreement cannot be amended except by written agreement signed by the
authorized agents of all parties hereto.

(b) The obligations in Sections 5, 6, 9, 10, 13(c), 13(d) and 14 shall survive
any termination of this Agreement.

(c) The failure of any party to exercise any rights under this Agreement shall
not be deemed a waiver of such right or any other rights.

(d) The section captions are inserted only for convenience and are in no way to
be construed as part of this Agreement.

(e) If any part of this Agreement shall for any reason be found or held invalid
or unenforceable by any court or governmental agency of competent jurisdiction,
such invalidity or unenforceability shall not affect the remainder of this
Agreement which shall survive and be construed as if such invalid or
unenforceable part had not been contained herein.

(f) All notices relating to this Agreement shall be in writing and shall be
deemed given (I) upon receipt by hand delivery, facsimile or overnight courier,
or (ii) three (3) business days after mailing by registered or certified mail,
postage prepaid, return receipt requested. All notices shall be addressed as
follows:

(1)      If to IMS:                         (2)      If to MBNA:

                                        9

<PAGE>

Innovative Medical Services, Inc.          MBNA America Bank, N.A.
1725 Gillespie Way                         400 Christiana Road, MS 1522
El Cajon, CA 92020                         Newark, Delaware 19713
Attention: Michael Krall,                  Attention: Director, Sales Finance
Title:   President
Fax#:                                      Fax #: (302) 458-3516

(3) If to APS:

Automated Payment Services, Inc.
614 The Pavilion
Jenkintown, PA 19046
Attention: Brian Engel
Title:   Executive Vice President
Fax#:    215-572-5056

Any party may change the address to which communications am to be sent by giving
notice, as provided herein, of such change of address.

(g) With the exception of the Master Confidentiality Agreement, this Agreement
contains the entire agreement of the parties with respect to the matters covered
herein and supersedes all prior promises and agreements, written or oral, with
respect to the matters covered herein. Without the prior written consent of
MBNA, which shall not be unreasonably withheld, neither IMS nor APS may assign
any of its rights or obligations under or arising from this Agreement. MBNA may
assign or transfer its rights and/or obligations under this Agreement without
the written consent of IMS or APS.

(h) MBNA and IMS are not agents, representatives or employees of each other and
neither party shall have the power to obligate or bind the other in any manner
except as otherwise expressly provided by this Agreement.

(i) Nothing expressed or implied in this Agreement is intended or shall be
construed to confer upon or give any person, including Dealers, other than IMS,
APS and MBNA, their successors and assigns, any rights or remedies under or by
reason of this Agreement.

(j) Neither party shall be in breach hereunder by reason of its delay in the
performance of or failure to perform any of its obligations herein if such delay
or failure is caused by: (i) strikes, acts of God or the public enemy, riots,
incendiaries, interference by civil or military authorities, or (ii) the other
parry's failure to comply with applicable laws, rules, or regulations.

(k) IMS and APS agree to provide MBNA with such information, assistance and
further assurances as may be reasonably requested by MBNA in connection with the
Program.

(l) This Agreement may be executed in two or more counterparts, each of which
shall be deemed an original, but all of which together shall constitute one and
the same instrument.

                                       10

<PAGE>

IN WITNESS WHEREOF, each of the parties, by its representative, has executed
this Agreement as of the Effective Date.

MBNA AMERICA BANK, N.A.                              INNOVATIVE MEDICAL
                                                     SERVICES, INC.

By:      JAMES S. MURPHY                             By:      MICHAEL L. KRALL
         ---------------                                      ----------------
Name:    JAMES S. MURPHY                             Name:    MICHAEL L. KRALL
Title:   EXECUTIVE VICE PRESIDENT                    Title:   PRESIDENT
Date:    8-15-00                                              Date:    8/14/00

AUTOMATED PAYMENT SERVICES, INC.
By       BRIAN ENGEL
Name     BRIAN ENGEL
Title    EXECUTIVE VICE PRESIDENT
Date:    8/15/00

                                      11
<PAGE>
Exhibit 1
                        MUTUAL CONFIDENTIALITY AGREEMENT

         THIS AGREEMENT, dated as of July 12,2000 ("Agreement') between MBNA
America Bank, N.A., a national banking association having its principal place of
business in Wilmington, Delaware ("MBNA America"), and Innovative Medical
Services, mc. ("Company") having its principal office in El Cajon, California.

                                    Recitals

The Company is in the business of offering certain products and services
("Company Products and Services"). MBNA America is in the business of offering
certain financial products and services ("MBNA America Products and Services").

MBNA America and the Company are considering a potential business transaction
involving the marketing of Financing Products and Services to prospective and
present customers of the Company and the marketing of the Company's Products and
Services to customers of MBNA America and other individuals identified by MBNA
America (the "Transaction").

To better assess the proposed Transaction, the parties shall from time to time
directly or indirectly make available to each other Customer lists, documents,
individual account information, computer programs, trade secrets, business
practices and techniques, strategies, development and/or marketing plans which
are proprietary or confidential (collectively, the "Information").

         NOW, THEREFORE, for valuable and lawful consideration, the receipt and
legal sufficiency of which are hereby acknowledged, the parties hereby agree as
follows:

     1. Each party shall use the Information only for the purposes and in
accordance with the terms and conditions established between MBNA America and
the Company under this Agreement and in any writings referencing this Agreement
that accompany any Information. Neither party shall have the authority to use
Information received by such party for any other purpose or in any other manner.
Each party agrees to secure and safeguard the Information in strict accordance
with this Agreement and to permit access to the Information only to their
respective employees who need such access to perform job duties in connection
with the Transaction. Each party shall use best efforts to preserve the
confidentiality of the Information. Each party expressly acknowledges and agrees
that it has no property right or interest whatsoever in the Information of the
other party.

     2. The parties agree that upon completion of analysis of the Transaction,
or upon termination of this Agreement or otherwise at either party's request,
the parties shall, as applicable:

          (a) Within 72 hours after receiving a request therefor, purge and
     destroy all Information from its primary Systems;
          (b) Within 30 days after receiving a request therefor, destroy all
     secondary data storage media containing any Information; and

<PAGE>

          (c) Within 30 days after receiving a request therefor, destroy all
     remaining Information, including any and all full or partial copies, or
     reproductions thereof in any medium whatsoever.

     3. Destruction of Information shall occur in accordance with the terms of
this Agreement. The parties agree that destruction of all Information could
include, but is not limited to, the following:

          (a) If requested to do so, degauss or physically destroy, through a
     bonded service company, the original and all whole or partial copies of any
     Information contained on any type of media, including but not limited to
     tape or diskette;
          (b) If requested to do so, delete originals and all whole or partial
     copies of any Information contained on any storage media of the receiving
     party; and
          (c) If requested to do so, shred originals and all whole and partial
     copies of any Information contained on any type of hardcopy media.

     4. Each party shall hold the Information in strict and absolute confidence,
shall not trade; give away, barter, lend, send, sell (collectively, "transfer")
any Information. Neither party shall make any copies of the Information of any
type whatsoever, except as absolutely required for the completion of the
project(s) as agreed upon between the parties. In the event either party
generates any Information in any medium whatsoever, each party hereby agrees
that all such Information generated by the generating party shall be covered by
all the terms and conditions of this Agreement. Each party agrees that it will
not provide or disclose any Information to any other organization or individual
under any circumstances, and specifically but not by way of limitation agrees
that no subcontractor shall be provided any Information.

     5. (a) Neither party's obligation under this Agreement shall apply to
Information:

          (i) Known to the receiving party at the time of the disclosure;

          (ii) Entering the public domain but not as a result of a breach of
     this Agreement;

          (iii) Acquired by the receiving party without written restrictions
     against disclosure from a third party which, to the receiving party's
     knowledge, is not prohibited from disclosing the Information; or

          (iv) Independently developed by the receiving party without use of the
     disclosing party's Information.

     (b) In the event a party hereto receives a request to disclose all or any
of the Information pursuant to a subpoena, order of court of competent
jurisdiction or by judicial or administrative agency or legislative body or
committee, such subpoenaed party agrees to:

          (i) Immediately notify the party whose Information is sought of the
     existence, terms and circumstances surrounding such request;

<PAGE>

          (ii) Consult with the subpoenaed party on the advisability of taking
     legally available steps to resist or narrow such request; and

          (iii) If disclosure of such Information is required or deemed
     advisable, exercise its best efforts to obtain an order or other reliable
     assurance that confidential treatment will be accorded to such portion of
     the Information to be disclosed as the party whose Information is sought
     designates.

Each party shall be entitled to reimbursement for its expenses, including
reasonable fees and expenses of its counsel, in connection with action taken
pursuant to this paragraph by law or by any governmental regulatory authority,
but is otherwise subject to all restrictions described herein.

     6. In view of the confidential nature of the Information, each party
warrants that all employees, agents and officers who work with the Information
shall be made aware of the obligations contained in this Agreement and shall be
under strict legal obligation not to copy, transfer or disclose the Information,
or make any other use of the Information other than as specifically described
herein. Each party shall be responsible for any damages incurred by the other
party that result from breach of this Agreement by the employees, officers,
subcontractors or agents. To ensure the integrity of Information, the parties
shall, as applicable, use current virus detection programs to test all software
that the party shall use to transmit Information to one another for viruses,
"time bombs," "Trojan Horses" or other disabling features which in any way may
adversely impact the recipient's use of the software (each a "Software Attack").
The parties warrant that during production, testing or maintenance of software
for the purpose of transferring Information to one another, the parties shall
not input, insert or otherwise program, not cause to be input, inserted or
otherwise programmed, any mechanism that may provide a means for unauthorized
access into such other party's systems. Each party shall be responsible for any
and all losses or costs incurred by the other as a result of such Software
Attacks or unauthorized access.

     7 If either party: (i) becomes insolvent in that liabilities exceed assets,
(ii) is adjudicated insolvent or bankrupt, (iii) takes advantage of or is
subjected to any insolvency or bankruptcy proceeding, (iv) makes an assignment
for the benefit of creditors, (v) is subject to any receivership,
conservatorship or liquidation, (vi) or in any other way has its activities or
powers restricted by vi flue of the exercise of supervisory powers vested in any
governing person or body, then in such event the other parry may, in its sole
discretion, at any time during the continuation of such status or proceeding
immediately terminate this Agreement. In no instance shall any Information
constitute an asset or property of the other party in any such proceeding which
may be assigned or which may accrue to any estate, person, trustee, receiver,
creditor court or to any creditor appointed committee or receiver. All
confidentiality provisions shall survive the termination of this Agreement.

     8. Notification as to breach of this Agreement shall be by certified mail,
return-receipt requested, at the following address or at such other address as
of which the other party is notified in conformance with this paragraph:

  To: Innovative Medical Services, Inc.    To:MBNA America Bank, N.A.
 <PAGE>
      1725 Gillespie Way                   1109 N. King Street, Mailstop
      El Cajon, California 92020           Wilmington,  Delaware 19801
      Attn:  Michael L. Krall              Attn: Corporate Information Security

    With a Copy to:                       With a Copy  to:
                                           MBNA America Bank, N.A.
                                           1100 N. King Street, Mailstop 0124
                                           Wilmington, Delaware 19884-0124
                                           Attn:  Timothy O. Naughton, Counsel

     9.In the event of any inconsistency between this Agreement and any prior
agreements, oral or written, on the subject matter herein, this Agreement shall
prevail. Amendment of this Agreement must be in writing si8ned by both MBNA
America and the Company. This Agreement supplements any and all confidentiality
agreements entered into by the parties, unless specifically named herein. This
Agreement only establishes the agreement between the parties as to
confidentiality and does not establish agreement as to any other matters.

     10. The laws of Delaware govern this Agreement. Each party consents to
submit to the jurisdiction of the courts of the State of Delaware and of the
United States of America located in Delaware for any actions, suits or
proceedings arising out of or relating to this Agreement.

     11. Each party agrees that the other would suffer immediate and irreparable
harm in the event any Information is used in a manner not permitted by this
Agreement. If a of the provisions of this Agreement happens or is threatened,
the non-breaching party shall be entitled to injunctive relief restraining the
other party from such breach or threatened breach and to enforce the provisions
herein in either a state or federal court located in Delaware. Nothing herein
shall be construed as prohibiting either parry from pursuing any other remedy on
account of such breach or threatened breach.

     12. Each party agrees that it shall make no reference to any contractual
arrangements with the other party or to the other party in any other mariner in
any advertising, promotional literature or other public statement, in any medium
whatsoever, without the prior written consent of the other party. In the event
of a breach of this provision, the non-breaching party may terminate this
Agreement and/or any agreements through which the breaching party provides
services to the non-breaching party. All provisions regarding confidentiality
shall survive the termination of this Agreement.

     13. If any court or governmental agency of competent jurisdiction for any
reason shall find or hold any part of this Agreement invalid or unenforceable,
such invalidity or unenforceability shall not affect the remainder of this
Agreement which shall survive and be construed as if such invalid or
unenforceable part of portions had not been contained herein.

     14. This Agreement shall be binding upon the parties hereto, their
successors, personal representatives and assigns. This Agreement shall not be
altered, assigned or modified except by written instrument executed by the
parties hereto This Agreement shall survive termination of all other agreements
or arrangements between MBNA America and the Company.

<PAGE>

     This Agreement shall be effective when signed by a duly authorized agent of
each party. Executed this Twelfth Day of July 2000.

FOR:     Innovative Medical Services, Inc.
BY:      MICHAEL L. KRALL
         Signature
         Michael L. Krall, President & CEO
         Printed Name & Title

FOR:     MBNA America Bank, N.A

BY:
         Signature

         Printed Name & Title

<PAGE>

                                   SCHEDULE A

TERMS AND FEATURES

Subject to (1) MBNA's right to vary the Program and its terms and features, and
(ii) the applicable agreement entered into between MBNA and each Customer:

LOAN ACCOUNTS

1.   There is no annual fee.

2.   APRs may range from 12.99% to 27.99% depending on the Customer's income and
     creditworthiness.

3.   Loan Accounts may be used for any bona fide purpose, except they cannot be
     used solely to payoff or paydown another MUNA account.

4.   MBNA may offer Customers the opportunity to obtain additional advances on
     the Loan Accounts.

5.   MBNA may offer Customers other benefits under the Program, such as credit
     insurance and travel services.

<PAGE>

[NOTE TO SEC EXHIBIT 10.9: THE ABOVE INFORMATION WAS LEFT BLANK IN THE ORIGINAL
DOCUMENT]

                                   SCHEDULE B

                SETTLEMENT INFORMATION FOR ALL ACH TRANSMISSIONS

Name of Account Holder:             APS

Name of Bank:                       ______________

Account #:                          ______________

ABA #:                              ______________

Withdrawals by:                     ______________

<PAGE>

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