Document:

BUSINESS LOAN AGREEMENT

BUSINESS LOAN AGREEMENT

	Borrower:	Ideal Accents, Inc. - Taylor 	Lender: Charter Bank
	 	(TIN: 38-3309441)	3058 First St.
	 	10200 W. Eight Mile	Wyandotte, MI 48192
	 	Ferndale, MI 48174	(734) 285-1900

THIS BUSINESS LOAN AGREEMENT dated November 26, 2001, is made and executed
between IDEAL ACCENTS, INC. - TAYLOR ("Borrower") and Charter Bank ("Lender") on
the following terms and conditions. Borrower has received prior commercial loans
from Lender or has applied to Lender for a commercial loan or loans or other
financial accommodations, including those which may be described on any exhibit
or schedule attached to this Agreement ("Loan)". Borrower understands and agrees
that: (A) In granting, renewing, or extending any Loan, Lender is relying upon
Borrower's representations, warranties, and agreements as set forth in this
Agreement, and (B) all such Loans shall be and remain subject to the terms and
conditions of this Agreement.

TERM. This Agreement shall be effective as of November 26, 2001, and
shall continue in full force and effect until such time as all of Borrower's
Loans in favor of Lender have been paid in full, including principal, interest,
costs, expenses, attorneys' fees, and other fees and charges, or until such time
as the parties may agree in writing to terminate this Agreement.

CONDITIONS PRECEDENT TO EACH ADVANCE. Lender's obligation to make the
initial Advance and each subsequent Advance under this Agreement shall be
subject to the fulfillment to Lender's satisfaction of all of the conditions set
forth in this Agreement and in the Related Documents.

Loan Documents. Borrower shall provide to Lender the following documents
for the Loan: (1) the Note; (2) Security Agreements granting to Lender security
interests in the Collateral; (3) financing statements and all other documents
perfecting Lender's Security Interests; (4) evidence of insurance as required
below; (5) guaranties; (6) together with all such Related Documents as Lender
may require for the Loan; all in form and substance satisfactory to Lender and
Lender's counsel.

Borrower's Authorization. Borrower shall have provided in form and
substance satisfactory to Lender properly certified resolutions, duly
authorizing the execution and delivery of this Agreement, the Note and the
Related Documents. In addition, Borrower shall have provided such other
resolution, authorization, documents and instruments as Lender or its counsel,
may require.

Payment of Fees and Expenses. Borrower shall have paid to Lender all
fees, charges, and other expenses which are then due and payable as specified in
this Agreement or any Related Document.

Representations and Warranties. The representations and warranties set
forth in this Agreement, in the Related Documents, and in any document or
certificate delivered to Lender under this Agreement are true and correct.

No Event of Default. There shall not exist at the time of any Advance a
condition which would constitute an Event of Default under this Agreement or
under any Related Document.

REPRESENTATIONS AND WARRANTIES. Borrower represents and warrants to
Lender, as of the date of this Agreement, as of the date of each disbursement of
loan proceeds, as of the date of any renewal, extension or modification of any
Loan, and at all times any Indebtedness exists:

Organization. Borrower is a corporation for profit which is, and at all
times shall be, duly organized, validly existing, and in good standing under and
by virtue of the laws of the State of Michigan. Borrower is duly authorized to
transact business in all other states in which Borrower is doing business,
having obtained all necessary filings, governmental licenses and approvals for
each state in which Borrower is doing business. Specifically, Borrower is, and
at all times shall be, duly qualified as a foreign corporation in all states in
which the failure to so qualify would have a material adverse effect on its
business or financial condition. Borrower has the full power and authority to
own its properties and to transact the business in which it is presently engaged
or presently proposes to engage. Borrower maintains an office at 10200 W. EIGHT
MILE, FERNDALE, MI 48174. Unless Borrower has designated otherwise in writing,
the principal office is the office at which Borrower keeps its books and records
including its records concerning the Collateral. Borrower will notify Lender
prior to any change in the location of Borrower's state of organization or and
change in Borrower's name. Borrower shall do all things necessary to preserve
and to keep in full force and effect its existence, rights and privileges, and
shall comply with all regulations, rules, ordinances, statutes, orders and
decrees of any governmental or quasi-governmental authority or court applicable
to Borrower and Borrower's business activities.

Assumed Business Names. Borrower has filed or recorded all documents or
filings required by law relating to all assumed business names used by Borrower.
Excluding the name of Borrower, the following is a complete list of all assumed
business names under which Borrower does business: None.

Authorization. Borrower's execution, delivery and performance of this
Agreement and all the Related Documents have been duly authorized by all
necessary action by Borrower and do not conflict with, result in a violation of,
or constitute a default under (1) any provision of Borrower's articles of
incorporation or organization, or bylaws, or any agreement or other instrument
binding upon Borrower or (2) any law, governmental regulation, court decree, or
order applicable to Borrower or to Borrower's properties.

Financial Information. Each of Borrower's financial statements supplied
to Lender truly and completely disclosed Borrower's financial condition as of
the date of the statement, and there has been no material adverse change in
Borrower's financial condition subsequent to the date of the most recent
financial statement supplied to Lender. Borrower has no material contingent
obligations except as disclosed in such financial statements.

Legal Effect. This Agreement constitutes, and any instrument or agreement
Borrower is required to give under this Agreement when delivered will constitute
legal, valid, and binding obligations of Borrower enforceable against Borrower
in accordance with their respective terms.

Properties. Except as contemplated by this Agreement or as previously
disclosed in Borrower's financial statements or in writing to Lender and as
accepted by Lender, and except for property tax liens for taxes not presently
due and payable, Borrower owns and has good title to all of Borrower's
properties free and clear of all Security Interests, and has not executed any
security documents or financing statements relating to such properties. All of
Borrower's properties are titled in Borrower's legal name, and Borrower has not
used or filed a financing statement under any other name for at least the last
five (5) years.

Hazardous Substances. Except as disclosed to and acknowledged by Lender
in writing, Borrower represents and warrants that: (1) During the period of
Borrower's ownership of Borrower's Collateral, there has been no use,
generation, manufacture, storage, treatment, disposal, release or threatened
release of any Hazardous Substance by any person on, under, about or from any of
the Collateral. (2) Borrower has no knowledge of, or reason to believe that
there has been (a) any breach or violation of any Environmental laws; (b) any
use, generation, manufacture, storage, treatment, disposal, release or
threatened release of any Hazardous Substance on, under, about or from the
Collateral by any prior owners or occupants of any of the Collateral; or (c) any
actual or threatened litigation or claims of any kind by any person relating to
such matters. (3) Neither Borrower nor any tenant, contractor, agent or other
authorized user of any of the Collateral shall use, generate, manufacture,
store, treat, dispose of or release any Hazardous Substance on, under, about or
from any of the Collateral; and any such activity shall be conducted in
compliance with all applicable federal, state and local laws, regulations, and
ordinances, including without limitation all Environmental Laws. Borrower
authorizes Lender and its agents to enter upon the Collateral to make such
inspections and tests as Lender may deem appropriate to determine compliance of
the Collateral with this section of the Agreement. Any inspections or tests made
by Lender shall be at Borrower's expense and for Lender's purposes only and
shall not be construed to create any responsibility or liability on the part of
Lender to Borrower or to any other person. The representations and warranties
contained herein are based on Borrower's due diligence in investigating the
Collateral for hazardous waste and Hazardous Substances. Borrower hereby (1)
releases and waives any future claims against Lender for indemnity or
contribution in the event Borrower becomes liable for cleanup or other costs
under any such laws, and (2) agrees to indemnify and hold harmless Lender
against any and all claims, losses, liabilities, damages, penalties, and
expenses which Lender may directly or indirectly sustain or suffer resulting
from a breach of this section of the Agreement or as a consequence of any use,
generation, manufacture, storage, disposal, release or threatened release of a
hazardous waste or substance on the Collateral. The provisions of this section
of the Agreement, including the obligation to indemnify, shall survive the
payment of the Indebtedness and the termination, expiration or satisfaction of
this Agreement and shall not be affected by Lender's acquisition of any interest
in any of the Collateral, whether by foreclosure or otherwise.

Litigation and Claims. No litigation, claim, investigation,
administrative proceeding or similar action (including those for unpaid taxes)
against Borrower is pending or threatened, and no other event has occurred which
may materially adversely affect Borrower's financial condition or properties,
other than litigation, claims, or other events, if any, that have been disclosed
to and acknowledged by Lender in writing.

Taxes. To the best of Borrower's knowledge, all of Borrower's tax returns
and reports that are or were required to be filed, have been filed, and all
taxes, assessments and other governmental charges have been paid in full, except
those presently being or to be contested by Borrower in good faith in the
ordinary course of business and for which adequate reserves have been provided.

Lien Priority. Unless otherwise previously disclosed to Lender in
writing, Borrower has not entered into or granted any Security Agreements, or
permitted the filing or attachment of any Security Interests on or affecting any
of the Collateral directly or indirectly securing repayment of Borrower's Loan
and Note, that would be prior or that may in any way be superior to Lender's
Security Interests and rights in and to such Collateral.

Binding Effect. This Agreement, the Note, all Security Agreements (if
any), and all Related Documents are binding upon the signers thereof, as well as
upon their successors, representatives and assigns, and are legally enforceable
in accordance with their respective terms.

AFFIRMATIVE COVENANTS. Borrower covenants and agrees with Lender that, so
long as this Agreement remains in effect, Borrower will:

Notices of Claims and Litigation. Promptly inform Lender in writing of
(1) all material adverse changes in Borrower's financial condition, and (2) all
existing and all threatened litigation, claims, investigations, administrative
proceedings or similar actions affecting Borrower or any Guarantor which could
materially affect the financial condition of Borrower or the financial condition
of any Guarantor.

Financial Records. Maintain its books and records in accordance with GAAP,
applied on a consistent basis, and permit Lender to examine and audit Borrower's
books and records at all reasonable times.

Financial Statements. Furnish Lender with the following:

Annual Statements. As soon as available, but in no event later than
one-hundred-twenty (120) days after the end of each fiscal year, Borrower's
balance sheet and income statement for the year ended, compiled by a certified
public accountant satisfactory to Lender.

Tax Returns. As soon as available, but in no event later than
one-hundred-twenty (120) days after the applicable filing date for the tax
reporting period ended, Federal and other governmental tax returns, prepared by
a certified public accountant satisfactory to Lender.

All financial reports required to be provided under this Agreement shall be
prepared in accordance with GAAP, applied on a consistent basis, and certified
by Borrower as being true and correct.

Additional Information. Furnish such additional information and
statements, as Lender may request from time to time.

Insurance. Maintain fire and other risk insurance, public liability
insurance, and such other insurance as Lender may require with respect to
Borrower's properties and operations, in form, amounts, coverages and with
insurance companies acceptable to Lender. Borrower, upon request of Lender, will
deliver to Lender from time to time the policies or certificates of insurance in
form satisfactory to Lender, including stipulations that coverages will not be
cancelled or diminished without at least ten (10) days prior written notice to
Lender. Each insurance policy also shall include an endorsement providing that
coverage in favor of Lender will not be impaired in any way by any act, omission
or default of Borrower or any other person. In connection with all policies
covering assets in which Lender holds or is offered a security interest for the
Loans, Borrower will provide Lender with such lender's loss payable or other
endorsements as Lender may require.

Insurance Reports. Furnish to Lender, upon request of Lender, reports on
each existing insurance policy showing such information as Lender may reasonably
request, including without limitation the following: (1) the name of the
insurer; (2) the risks insured; (3) the amount of the policy; (4) the properties
insured; (5) the then current property values on the basis of which insurance
has been obtained, and the manner of determining those values; and (6) the
expiration date of the policy. In addition, upon request of Lender (however not
more often than annually), Borrower will have an independent appraiser
satisfactory to Lender determine, as applicable, the actual cash value or
replacement cost of any Collateral. The cost of such appraisal shall be paid by
Borrower.

Guaranties. Prior to disbursement of any Loan proceeds, furnish executed
guaranties of the Loans in favor of Lender, executed by the guarantors named
below, on Lender's forms, and in the amounts and under the conditions set forth
in those guaranties.

	 	Names of Guarantors	Amounts
	 	THOMAS T. SULLIVAN	Unlimited
	 	GEORGE J. WELCH	Unlimited
	 	TAMARA A. DAHLMAN	Unlimited
	 	JOSEPH P. O'CONNER	Unlimited

Other Agreements. Comply with all terms and conditions of all other
agreements, whether now or hereafter existing, between Borrower and any other
party and notify Lender immediately in writing of any default in connection with
any other such agreements.

Loan Proceeds. Use all Loan proceeds solely for the following specific
purposes: Amortize balance of former Line of Credit..

Taxes, Charges and Liens. Pay and discharge when due all of its
indebtedness and obligations, including without limitation all assessments,
taxes, governmental charges, levies and liens, of every kind and nature, imposed
upon Borrower or its properties, income, or profits, prior to the date on which
penalties would attach, and all lawful claims that, if unpaid, might become a
lien or charge upon any of Borrower's properties, income or profits.

Performance. Perform and comply, in a timely manner, with all terms,
conditions, and provisions set forth in this Agreement, in the Related
Documents, and in all other instruments and agreements between Borrower and
Lender. Borrower shall notify Lender immediately in writing of any default in
connection with any agreement.

Operations. Maintain executive and management personnel with
substantially the same qualifications and experience as the present executive
and management personnel; provide written notice to Lender of any change in
executive and management personnel; conduct its business affairs in a reasonable
and prudent manner.

Environmental Studies. Promptly conduct and complete, at Borrower's
expense, all such investigations, studies, samplings and testings as may be
requested by Lender or any governmental authority relative to any substance, or
any waste or by-product of any substance defined as toxic or a hazardous
substance under applicable federal, state, or local law, rule, regulation, order
or directive, at or affecting any property or any facility owned, leased or used
by Borrower.

Compliance with Governmental Requirements. Comply with all laws,
ordinances, and regulations, now or hereafter in effect, of all governmental
authorities applicable to the conduct of Borrower's properties, businesses and
operations, and to the use or occupancy of the Collateral, including without
limitation, the Americans With Disabilities Act. Borrower may contest in good
faith any such law, ordinance, or regulation and withhold compliance during any
proceeding, including appropriate appeals, so long as Borrower has notified
Lender in writing prior to doing so and so long as, in Lender's sole opinion,
Lender's interests in the Collateral are not jeopardized. Lender may require
Borrower to post adequate security or a surety bond, reasonably satisfactory to
Lender, to protect Lender's interest.

Inspection. Permit employees or agents of Lender at any reasonable time
to inspect any and all Collateral for the Loan or Loans and Borrower's other
properties and to examine or audit Borrower's books, accounts, and records and
to make copies and memoranda of Borrower's books, accounts, and records. If
Borrower now or at any time hereafter maintains any records (including without
limitation computer generated records and computer software programs for the
generation of such records) in the possession of a third party, Borrower, upon
request of Lender, shall notify such party to permit Lender free access to such
records at all reasonable times and to provide Lender with copies of any records
it may request, all at Borrower's expense.

Compliance Certificates. Unless waived in writing by Lender, provide
Lender at least annually, with a certificate executed by Borrower's chief
financial officer, or other officer or person acceptable to Lender, certifying
that the representations and warranties set forth in this Agreement are true and
correct as of the date of the certificate and further certifying that, as of the
date of the certificate, no Event of Default exists under this Agreement.

Environmental Compliance and Reports. Borrower shall comply in all
respects with any and all Environmental Laws; not cause or permit to exist, as a
result of an intentional or unintentional action or omission on Borrower's part
or on the part of any third party, on property owned and/or occupied by
Borrower, any environmental activity where damage may result to the environment,
unless such environmental activity is pursuant to and in compliance with the
conditions of a permit issued by the appropriate federal, state or local
governmental authorities; shall furnish to Lender promptly and in any event
within thirty (30) days after receipt thereof a copy of any notice, summons,
lien, citation, directive, letter or other communication from any governmental
agency or instrumentality concerning any intentional or unintentional action or
omission on Borrower's part in connection with any environmental activity
whether or not there is damage to the environment and/or other natural
resources.

Additional Assurances. Make, execute and deliver to Lender such
promissory notes, mortgages, deeds of trust, security agreements, assignments,
financing statements, instruments, documents and other agreements as Lender or
its attorneys may reasonably request to evidence and secure the Loans and to
perfect all Security Interests.

RECOVERY OF ADDITIONAL COSTS. If the imposition of or any change in any
law, rule, regulation or guideline, or the interpretation or application of any
thereof by any court or administrative or governmental authority (including any
request or policy not having the force of law) shall impose, modify or make
applicable any taxes (except federal, state or local income or franchise taxes
imposed on Lender), reserve requirements, capital adequacy requirements or other
obligations which would (A) increase the cost to Lender for extending or
maintaining the credit facilities to which this Agreement relates, (B) reduce
the amounts payable to Lender under this Agreement or the Related Documents, or
(C) reduce the rate of return on Lender's capital as a consequence of Lender's
obligations with respect to the credit facilities to which this Agreement
relates, then Borrower agrees to pay Lender such additional amounts as will
compensate Lender therefor, within five (5) days after Lender's written demand
for such payment, which demand shall be accompanied by an explanation of such
imposition or charge and a calculation in reasonable detail of the additional
amount payable by Borrower, which explanation and calculations shall be
conclusive in the absence of manifest error.

LENDER'S EXPENDITURES. If any action or proceeding is commenced that
would materially affect lender's interest in the Collateral or if Borrower fails
to comply with any provision of this Agreement or any Related Documents,
including but not limited to Borrower's failure to discharge or pay when due any
amounts Borrower is required to discharge or pay under this Agreement or any
Related Documents, Lender on Borrower's behalf may (but shall not be obligated
to) take any action that Lender deems appropriate, including but not limited to
discharging or paying all taxes, liens, security interests, encumbrances and
other claims, at any time levied or placed on any Collateral and paying all
costs for insuring, maintaining and preserving any Collateral. All such
expenditures incurred or paid by Lender for such purposes will then bear
interest at the rate charged under the Note from the date incurred or paid by
Lender to the date of repayment by Borrower. All Such expenses will become a
part of the Indebtedness and, at Lender's option, will (A) be payable on demand;
(B) be added to the balance of the Note and be apportioned among and be payable
with any installment payments to become due during either (1) the term of any
applicable insurance policy; or (2) the remaining terms of the Note; or (C) be
treated as a balloon payment which will be due and payable at the Note's
maturity.

NEGATIVE COVENANTS. Borrower covenants and agrees with Lender that while
this Agreement is in effect, Borrower shall not, without the prior written
consent of Lender:

Indebtedness and Liens. (1) Except for trade debt incurred in the normal
course of business and indebtedness to Lender contemplated by this Agreement,
create, incur or assume indebtedness for borrowed money, including capital
leases, (2) sell, transfer, mortgage, assign, pledge, lease, grant a security
interest in, or encumber any of Borrower's assets (except as allowed as
Permitted Liens), or (3) sell with recourse any of Borrower's accounts, except
to Lender.

Continuity of Operation. (1) Engage in any business activities
substantially different than those in which Borrower is presently engaged, (2)
cease operations, liquidate, merge, transfer, acquire or consolidate with any
other entity, change its name, dissolve or transfer or sell Collateral out of
the ordinary course of business, or (3) pay any dividends on Borrower's stock
(other than dividends payable in its stock), provided, however that
notwithstanding the foregoing, but only so long as no Event of Default has
occurred and is continuing or would result from the payment of dividends, if
Borrower is a "Subchapter S Corporation" (as defined in the Internal Revenue
Code of 1986, as amended), Borrower may pay cash dividends on its stock to its
shareholders from time to time in amounts necessary to enable the shareholders
to pay income taxes and make estimated income tax payments to satisfy their
liabilities under federal and state law which arise solely from their status as
Shareholders of a Subchapter S Corporation because of their ownership of shares
of Borrower's stock, or purchase or retire any of Borrower's outstanding shares
or alter or amend Borrower's capital structure.

Loans, Acquisitions and Guaranties. (1) Loan, invest in or advance money
or assets, (2) purchase, create or acquire any interest in any other enterprise
or entity, or (3) incur any obligation as surety or guarantor other than in the
ordinary course of business.

CESSATION OF ADVANCES. If Lender has made any commitment to make any Loan
to Borrower, whether under this Agreement or under any other agreement, Lender
shall have no obligation to make Loan Advances or to disburse Loan proceeds if:
(A) Borrower or any Guarantor is in default under the terms of this Agreement or
any of the Related Documents or any other agreement that Borrower or any
Guarantor has with Lender; (B) Borrower or any Guarantor dies, becomes
incompetent or becomes insolvent, files a petition in bankruptcy or similar
proceedings, or is adjudged a bankrupt; (C) there occurs a material adverse
change in Borrower's financial condition, in the financial condition of any
Guarantor, or in the value of any Collateral securing any Loan, or (D) any
Guarantor seeks, claims or otherwise attempts to limit, modify or revoke such
Guarantor's guaranty of the Loan or any other loan with Lender.

RIGHT OF SETOFF. To the extent permitted by applicable law, Lender
reserves a right of setoff in all Borrower's accounts with lender (whether
checking, savings, or some other account). This includes all accounts Borrower
holds jointly with someone else and all accounts Borrower may open in the
future. However, this does not include any IRA or Keogh accounts, or any trust
accounts for which setoff would be prohibited by law. Borrower authorizes
Lender, to the extent permitted by applicable law, to charge or setoff all sums
owing on the Indebtedness against any and all such accounts.

DEFAULT. Each of the following shall constitute an Event of Default under
this Agreement:

Payment Default. Borrower fails to make any payment when due under the
Loan.

Other Defaults. Borrower fails to comply with or to perform any other
term, obligation, covenant or condition contained in this Agreement or in any of
the Related Documents or to comply with or to perform any term, obligation,
covenant or condition contained in any other agreement between Lender and
Borrower.

Default in Favor of Third Parties. Borrower or any Grantor defaults under
any loan, extension of credit, security agreement, purchase or sales agreement,
or any other agreement, in favor of any other creditor or person that may
materially affect any of Borrower's or any Grantor's property or Borrower's or
any Grantor's ability to repay the Loans or perform their respective obligations
under this Agreement or any of the Related Documents.

False Statements. Any warranty, representation or statement made or
furnished to Lender by Borrower or on Borrower's behalf under this Agreement or
the Related Documents is false or misleading in any material respect, either now
or at the time made or furnished or becomes false or misleading at any time
thereafter.

Insolvency. The dissolution or termination of Borrower's existence as a
going business, the insolvency of Borrower, the appointment of a receiver for
any part of Borrower's property, any assignment for the benefit of creditors,
any type of creditor workout, or the commencement of any proceeding under any
bankruptcy or insolvency laws by or against Borrower.

Defective Collateralization. This Agreement or any of the Related
Documents ceases to be in full force and effect (including failure of any
collateral document to create a valid and perfected security interest or lien)
at any time and for any reason.

Creditor or Forfeiture Proceedings. Commencement of foreclosure or
forfeiture proceedings, whether by judicial proceeding, self-help, repossession
or any other method, by any creditor of Borrower or by any governmental agency
against any collateral securing the Loan. This includes a garnishment of any of
Borrower's accounts, including deposit accounts, with Lender. However, this
Event of Default shall not apply if there is a good faith dispute by Borrower as
to the validity or reasonableness of the claim which is the basis of the
creditor or forfeiture proceeding and if Borrower gives Lender written notice of
the creditor or forfeiture proceeding and deposits with Lender monies or a
surety bond for the creditor or forfeiture proceeding, in an amount determined
by Lender, in its sole discretion, as being an adequate reserve or bond for the
dispute.

Events Affecting Guarantor. Any of the preceding events occurs with
respect to any Guarantor of any of the Indebtedness or any Guarantor dies or
becomes incompetent, or revokes or disputes the validity of, or liability under,
any Guaranty of the Indebtedness. In the event of a death, Lender, at its
option, may, but shall not be required to, permit the Guarantor's estate to
assume unconditionally the obligations arising under the guaranty in a manner
satisfactory to Lender, and, in doing so, cure any Event of Default.

Change in Ownership. Any change in ownership of twenty-five percent (25%)
of more of the common stock of Borrower.

Adverse Change. A material adverse change occurs in Borrower's financial
condition, or Lender believes the prospect of payment or performance of the Loan
is impaired.

Right to Cure. If any default, other than a default on Indebtedness, is
curable and if Borrower or Grantor, as the case may be, has not been given a
notice of a similar default within the preceding twelve (12) months, it may be
cured (and not Event of Default will have occurred) if Borrower or Grantor, as
the case may be, after receiving written notice from Lender demanding cure of
such default; (1) cure the default within fifteen (15) days; or (2) if the cure
requires more than fifteen (15) days, immediately initiate steps which Lender
deems in Lender's sole discretion to be sufficient to cure the default and
thereafter continue and complete all reasonable and necessary steps sufficient
to produce compliance as soon as reasonably practical.

EFFECT OF AN EVENT OF DEFAULT. If any Event of Default shall occur,
except where otherwise provided in this Agreement or the Related Documents, all
commitments and obligations of Lender under this Agreement or the Related
Documents or any other agreement immediately will terminate (including any
obligation to make further Loan Advances or disbursements), and, at Lender's
option, all Indebtedness immediately will become due and payable, all without
notice of any kind to Borrower, except that in the case of an Event of Default
of the type described in the "Insolvency" subsection above, such acceleration
shall be automatic and not optional. In addition, Lender shall have all the
rights and remedies provided in the Related Documents or available at law, in
equity, or otherwise. Except as may be prohibited by applicable law, all of
Lender's rights and remedies shall be cumulative and may be exercised singularly
or concurrently. Election by Lender to pursue any remedy shall not exclude
pursuit or any other remedy, and an election to make expenditures or to take
action to perform an obligation of Borrower or of any Grantor shall not affect
Lender's right to declare a default and to exercise its rights and remedies.

ADDITIONAL LOAN COVENANTS AND CONDITIONS. It is the expressed intent of
Lender to cross-collateralize and cross-default any and all borrowings,
obligations, debts and liabilities, plus interest thereon, of Borrower to
Lender, as well as all claims by Lender against Grantor, or any one or more of
them, whether now existing or hereafter arising, whether related or unrelated to
the purpose of the Note or Credit Agreement, whether voluntary or otherwise,
whether due or not due, direct or indirect, absolute or contingent, liquidated
or unliquidated and whether Grantor may be liable individually or jointly with
others, whether obligated as guarantor, surety, accommodation party or
otherwise, and whether recovery upon such amounts may be or hereafter may become
barred by any statue of limitation, and whether the obligation to repay such
amounts may be or hereafter may become otherwise unenforceable. The breach of
terms of any Note, Security Agreement, Mortgage, Pledge or Loan Agreement of
whatsoever nature between Borrower and or Grantor and the Lender, shall
constitute default and breach of all such agreements, including this Agreement.

ADDITIONAL FINANCIAL STATEMENT REQUIREMENTS. Borrower to furnish to
Lender, financial statements, in form and substance acceptable to Lender, and
copies of Federal Tax returns on all principal owners and/or related business
entities annually, or as may be requested by Lender from time to time.

MISCELLANEOUS PROVISION. The following miscellaneous provisions are a
part of this Agreement:

Amendments. This Agreement, together with any Related Documents,
constitutes the entire understanding and agreement of the parties as to the
matters set forth in this Agreement. No alteration of or amendment to this
Agreement shall be effective unless given in writing and signed by the party or
parties sought to be charged or bound by the alteration or amendment.

Attorneys' Fees; Expenses. Borrower agrees to pay upon demand all of
Lender's costs and expenses, including Lender's reasonable attorneys' fees and
Lender's legal expenses, incurred in connection with the enforcement of this
Agreement. Lender may hire or pay someone else to help enforce this Agreement,
and Borrower shall pay the costs and expenses of such enforcement. Costs and
expenses include Lender's reasonable attorneys' fees and legal expenses whether
or not there is a lawsuit, including reasonable attorneys' fees and legal
expenses for bankruptcy proceedings (including efforts to modify or vacate any
automatic stay or injunction), appeals, and any anticipated post-judgment
collection services. Borrower also shall pay all court costs and such additional
fees as may be directed by the court.

Caption Headings. Caption headings in this Agreement are for convenience
purposes only and are not to be used to interpret or define the provisions of
this Agreement.

Consent to Loan Participation. Borrower agrees and consents to Lender's
sale or transfer, whether now or later, of one or more participation interests
in the Loan to one or more purchasers, whether related or unrelated to Lender.
Lender may provide, without any limitation whatsoever, to any one or more
purchasers, or potential purchasers, any information or knowledge Lender may
have about Borrower or about any other matter relating to the Loan, and Borrower
hereby waives any rights to privacy Borrower may have with respect to such
matters. Borrower additionally waives any and all notices of sale of
participation interests, as well as all notices of any repurchase of such
participation interests. Borrower also agrees that the purchasers of any such
participation interests will be considered as the absolute owners of such
interests in the Loan and will have all the rights granted under the
participation agreement or agreements governing the sale of such participation
interests. Borrower further waives all rights of offset or counterclaim that it
may have now or later against Lender or against any purchaser or such a
participation interest and unconditionally agrees that either Lender or such
purchaser may enforce Borrower's obligation under the Loan irrespective of the
failure or insolvency of any holder of any interest in the Loan. Borrower
further agrees that the purchaser of any such participation interests may
enforce its interests irrespective of any personal claims or defenses that
Borrower may have against Lender.

No Waiver by Lender. Lender shall not be deemed to have waived any rights
under this Agreement unless such waiver is given in writing and signed by
Lender. No delay or omission on the part of Lender in exercising any right shall
operate as a waiver of such right or any other right. A waiver by Lender of a
provision of this Agreement shall not prejudice or constitute a waiver of
Lender's right otherwise to demand strict compliance with that provision or any
other provision of this Agreement. No prior waiver by Lender, nor any course of
dealing between Lender and Borrower, or between Lender and any Grantor, shall
constitute a waiver of any of Lender's rights or of any of Borrower's or any
Grantor's obligations as to any future transactions. Whenever the consent of
Lender is required under this Agreement, the granting of such consent by Lender
in any instance shall not constitute continuing consent to subsequent instances
where such consent is required and in all cases such consent may be granted or
withheld in the sole discretion of Lender.

Notices. Any notice required to be given under this Agreement shall be
given in writing, and shall be effective when actually delivered, when actually
received by telefacsimile (unless otherwise required by law), when deposited
with a nationally recognized overnight courier, or, if mailed, when deposited in
the United States mail, as first class, certified or registered mail postage
prepaid, directed to the addresses shown near the beginning of this Agreement.
Any party may change its address for notices under this Agreement by giving
formal written notice to the other parties, specifying that the purpose of the
notice is to change the party's address. For notice purposes, Borrower agrees to
keep Lender informed at all times of Borrower's current address. Unless
otherwise provided or required by law, if there is more than one Borrower, any
notice given by Lender to any Borrower is deemed to be notice given to all
Borrowers.

Severability. If a court of competent jurisdiction finds any provision of
this Agreement to be illegal, invalid, or unenforceable as to any circumstance,
that finding shall not make the offending provision illegal, invalid, or
unenforceable as to any other circumstance. If feasible, the offending provision
shall be considered modified so that it becomes legal, valid and enforceable. If
the offending provision cannot be so modified, it shall be considered deleted
from this Agreement. Unless otherwise required by law, the illegality,
invalidity, or unenforceability of any provision of this Agreement shall not
affect the legality, validity or enforceability of any other provision of this
Agreement.

Subsidiaries and Affiliates of Borrower. To the extent the context of any
provisions of this Agreement makes it appropriate, including without limitation
any representation, warranty or covenant, the word "Borrower" as used in this
Agreement shall include all of Borrower's subsidiaries and affiliates.
Notwithstanding the foregoing however, under no circumstances shall this
Agreement be construed to require Lender to make any Loan or other financial
accommodation to any of Borrower's subsidiaries or affiliates.

Successors and Assigns. All covenants and agreements contained by or on
behalf of Borrower shall bind Borrower's successors and assigns and shall inure
to the benefit of Lender and its successors and assigns. Borrower shall not,
however, have the right to assign Borrower's rights under this Agreement or any
interest therein, without the prior written consent of Lender.

Survival of Representations and Warranties. Borrower understands and
agrees that in making the Loan, Lender is relying on all representations,
warranties, and covenants made by Borrower in this Agreement or in any
certificate or other instrument delivered by Borrower to Lender under this
Agreement or the Related Documents. Borrower further agrees that regardless of
any investigation made by Lender, all such representations, warranties and
covenants will survive the making of the Loan and delivery to Lender of the
Related Documents, shall be continuing in nature, and shall remain in full force
and effect until such time as Borrower's Indebtedness shall be paid in full, or
until this Agreement shall be terminated in the manner provided above, whichever
is the last to occur.

Time is of the Essence. Time is of the essence in the performance of this
Agreement.

Waive Jury. All parties to this Agreement hereby waive the right to any jury
trial in any action, proceeding, or counterclaim brought by any party against
any other party.

DEFINITIONS. The following capitalized words and terms shall have the
following meanings when used in this Agreement. Unless specifically stated to
the contrary, all references to dollar amounts shall mean amounts in lawful
money of the United States of America. Words and terms used in the singular
shall include the plural, and the plural shall include the singular, as the
context may require. Words and terms not otherwise defined in this Agreement
shall have the meanings attributed to such terms in the Uniform Commercial Code.
Accounting words and terms not otherwise defined in this Agreement shall have
the meanings assigned to them in accordance with generally accepted accounting
principles as in effect on the date of this Agreement:

Advance. The word "Advance" means a disbursement of Loan funds made, or
to be made, to Borrower or on Borrower's behalf on a line of credit or multiple
advance basis under the terms and conditions of this Agreement.

Agreement. The word "Agreement" means this Business Loan Agreement, as
this Business Loan Agreement may be amended or modified from time to time,
together with all exhibits and schedules attached to this Business Loan
Agreement from time to time.

Borrower. The word "Borrower" means IDEAL ACCENTS, INC. - TAYLOR, and all
other persons and entities signing the Note in whatever capacity.

Collateral. The word "Collateral" means all property and assets granted
as collateral security for a Loan, whether real or personal property, whether
granted directly or indirectly, whether granted now or in the future, and
whether granted in the form of a security interest, mortgage, collateral
mortgage, deed of trust, assignment, pledge, crop pledge, chattel mortgage,
collateral chattel mortgage, chattel trust, factor's lien, equipment trust,
conditional sale, trust receipt, lien, charge, lien or title retention contract,
lease or consignment intended as a security device, or any other security or
lien interest whatsoever, whether created by law, contract, or otherwise.

Environmental Laws. The words "Environmental Laws" mean any and all
state, federal and local statutes, regulations and ordinances relating to the
protection of human health or the environment, including without limitation the
Comprehensive Environmental Response, Compensation, and Liability Act of 1980,
as amended, 42 U.S.C. Section 9601, et seq. ("CERCLA"), the Superfund Amendments
and Reauthorization Act of 1986, Pub. L. No. 99-499 ("SARA"), the Hazardous
Materials Transportation Act, 49 U.S.C. Section 1801, et seq., the Resource
Conservation and Recovery Act, 42 U.S.C. Section 6901, et seq., or other
applicable state or federal laws, rules, or regulations adopted pursuant
thereto.

Event of Default. The words "Event of Default" mean any of the events of
default set forth in this Agreement in the default section of this Agreement.

GAAP. The word "GAAP" means generally accepted accounting principles.

Grantor. The word "Grantor" means each and all of the persons or entities
granting a Security Interest in any Collateral for the Loan, including without
limitation all Borrowers granting such a Security Interest.

Guarantor. The word "Guarantor" means any guarantor, surety, or
accommodation party of any or all of the Loan.

Guaranty. The word "Guaranty" means the guaranty from Guarantor to
Lender, including without limitation a guaranty of all or party of the Note.

Hazardous Substances. The words "Hazardous Substances" mean materials
that, because of their quantity, concentration or physical, chemical or
infectious characteristics, may cause or pose a present or potential hazard to
human health or the environment when improperly used, treated, stored, disposed
of, generated, manufactured, transported or otherwise handles. The words
"Hazardous Substances" are used in their very broadest sense and include without
limitation any and all hazardous or toxic substances, materials or waste as
defined by or listed under the Environmental Laws. The term "Hazardous
Substances" also includes, without limitation, petroleum and petroleum
by-products or any fraction thereof and asbestos.

Indebtedness. The word "Indebtedness" means the indebtedness evidenced by
the Note or Related Documents, including all principal and interest together
with all other indebtedness and costs and expenses for which Borrower is
responsible under this Agreement or under any of the Related Documents.

Lender. The word "Lender" means Charter Bank, its successors and assigns.

Loan. The word "Loan" means any and all loans and financial
accommodations from Lender to Borrower whether now or hereafter existing, and
however evidenced, including without limitation those loans and financial
accommodations described herein or described on any exhibit or schedule attached
to this Agreement from time to time.

Note. The word "Note" means the Note or Credit Agreement of Even Date,
from Borrower to Lender, or any indebtedness, plus interest thereon, as well as
all claims by Lender against Grantor, or any one or more of them, whether
existing now or hereafter arising, together with all renewals of, extensions of,
modifications of, refinancing of, consolidations of, and substitutions for the
note(s) or credit agreement(s).

Permitted Liens. The words "Permitted Liens" mean (1) liens and security
interests securing Indebtedness owed by Borrower to Lender; (2) liens for taxes,
assessments, or similar charges either not yet due or being contested in good
faith; (3) liens of materialmen, mechanics, warehousemen, or carriers, or other
like liens arising in the ordinary course of business and securing obligations
which are not yet delinquent; (4) purchase money liens or purchase money
security interests upon or in any property acquired or held by Borrower in the
ordinary course of business to secure indebtedness outstanding on the date of
this Agreement or permitted to be incurred under the paragraph of this Agreement
titled "Indebtedness and Liens"; (5) liens and security interests which, as of
the date of this Agreement, have been disclosed to and approved by the Lender in
writing; and (6) those liens and security interests which in the aggregate
constitute an immaterial and insignificant monetary amount with respect to the
net value of Borrower's assets.

Related Documents. The words "Related Documents" mean all promissory
notes, credit agreements, loan agreements, environmental agreements, guaranties,
security agreements, mortgages, deeds of trust, security deeds, collateral
mortgages, and all other instruments, agreements and documents, whether now or
hereafter existing, executed in connection with the Loan.

Security Agreement. The words "Security Agreement" mean and include
without limitation any agreements, promises, covenants, arrangements,
understandings or other agreements, whether created by law, contract, or
otherwise, evidencing, governing, representing, or creating a Security Interest.

Security Interest. The words "Security Interest" mean, without
limitation, any and all types of collateral security, present and future,
whether in the form of a lien, charge, encumbrance, mortgage, deed of trust,
security deed, assignment, pledge, crop pledge, chattel mortgage, collateral
chattel mortgage, chattel trust, factor's lien, equipment trust, conditional
sale, trust receipt, lien or title retention contract, lease or consignment
intended as a security device, or any other security or lien interest whatsoever
whether created by law, contract, or otherwise.

BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS BUSINESS LOAN
AGREEMENT AND BORROWER AGREES TO ITS TERMS. THIS BUSINESS LOAN AGREEMENT IS
DATED NOVEMBER 26, 2001.

BORROWER:

IDEAL ACCENTS, INC. - TAYLOR

By: _______________________________

JOSEPH P. O'CONNER, President of 

IDEAL ACCENTS, INC. - TAYLOR

LENDER:

CHARTER BANK

By: _______________________________

Authorized SignerDemand Loan Financing Agreement

EXHIBIT 10.4

To: ROYAL BANK OF CANADA - We hereby apply for the following loan(s):

Minimum Amount: $.3,500,000.00 Revolvement Account #1038918\00192 Minimum
Retained Balance $0.00

Interest rate: Royal Bank Prime plus 2.500 % per annum payable on the 26th
day of each month.

Minimum Revolvement Amount: $5,000.00

Original Amount: $29,174.00

Installment Payments: interest plus $2,083.00 principal.

Interest rate: Royal Bank Prime plus 2.500 % per annum. Amortization Period:
1 years 8 months.

Frequency and Date(s) of Payments (Unless and until you make demand) monthly
on the 20th

Set up fee $350.00

RFA fee $100.00 monthly

Date: 12/20/99

                    
                  
                
              
              Applied for by SOMANI HOLDINGS INC.

              
               

               

            
          
        
      
    
  
  Review engagement financial statements annually within 120 days

  See attached Schedule 'A' for Security requirements

    
  

This Demand Loan Financing Agreement cancels and supercedes any ahd all
Previous Demand Loan Financing Agreements. We agree that Loans will be subject
to the Terms and Conditions attached, which are incorporated into and form part
of this Agreement. We expressly acknowledge that the Loans will be and remain
repayable upon your demand at any time and that you may cancel any undrawn
portion of the Loans at any time without prior notice.

Dated the 23rd day of November

                          SOMANI HOLDINGS INC.

                          
                          By: /s/ ___________________

                        
                      
                    
                  
                
              
            
          
        
      
    
  
  Accepted and agreed

  ROYAL BANK OF CANADA

  

  By:_______________________

TERMS AND CONDITIONS

Interest and Fees

    Interest. We will pay interest on each loan at the fluctuating annual
    rate specified with respect to that Loan. Interest will accrue on the basis
    of a year of 365 days and will be calculated, payable and compounded monthly
    in arrears on the day of the meeth specified. "Royal Bank Prime" means the
    annual rate of interest announced from time to time by you as a reference
    rate then in effect for determining interest rates on Canadian dollar
    commercial loans made in Canada. Any change in "Royal Bank Prime" will be
    effective as of the opening of business on the day such change takes place.
    Interest and fees are payable both before and after any or all of default,
    demand and judgement. In no event will interest and fees exceed the rate
    permitted by law.

    
    Fees. We will pay you fees in the amounts and at the times specified.

    
    Interest Act Disclosure. The annual rates of interest to which the
    rates calculated in accordance with this Agreement are equivalent, are the
    rates so calculated multiplied by the actual number of days in the calendar
    year and divided by 365.

  

Demand Operating Loans

The outstanding amount of a Demand Operating Loan may revolve up to the
    Maximum Amount specified until the earlier of your demand for repayment or
    Final Repayment Date specified with respect to such Loan. With respect to
    each loan you are authorized (but not obliged):

    (a) whenever there is a credit balance in the Revolvement Account that
      exceeds the sum of the Minimum Retained Balance plus the Minimum
      Revolvement Amount, to apply all or any part of such credit balance as a
      repayment on account of the loan, and

      (b) whenever the balance in the Revolvement Account is less than the
      Minimum Retained Balance, to make an advance on account of the Loan in an
      amount which is equal to the Minimum Revolvement Amount.

    
    Unless you otherwise agree in writing with us, no interest will be
    payable at any time upon a credit balance in the Revolvement Account.

  

Demand Instalment Loan(s)

    General. A Demand Instalment Loan will not revolve. We will draw down
    the Original Amount specified with respect to a Demand Instalment Loan, or
    such lesser amount as you may in your sole discretion determine, as soon as
    you confirm that such amount is available.

    
    Instalment Payments. With respect to any Demand Instalment Loan, we
    will (unless and until you make demand for repayment) make the specified
    Instalment Payments. If the Instalment Payments are blended payments of
    principal and interest "Blended Payments"), they will first be applied to
    interest due and the balance, if any, will be applied to the outstanding
    principal. If the amount of any Blended Payment is insufficient to pay all
    interest then due on a Demand Instalment Loan, together with all outstanding
    principal over the Amortization Period specified, then the amount of the
    Blended Payments will be increased to an amount specified by you for such
    purposes.

  

Evidence of Indebtedness

You will maintain accounts and records showing all advances by you in
    respect of each Loan, together with all accrued interest, and all payments
    of principal, interest and fees made by us. Such accounts and records will
    constitute, in the absence of manifest error, conclusive evidence of the
    amounts of all such advances, interest and payments and of the indebtedness
    owing by us from time to time in respect of each loan.

  

Debiting of Accounts

You are authorized, but not obliged, to debit any of our accounts with
    any amounts due and payable by us under this Agreement.

  

Compliance with Law

We are in compliance and agree that in the future we will comply with all
    laws, regulations, official directives and authorizations applying to us or
    any of our property or business, including any relating to the environment
    or public health and safety ("Environmental Laws"). We will notify you
    immediately of any breach of Environmental Laws. We will also promptly
    advise you of all communications and reports in connection with any matters
    materially affecting us, our property or business and relating to
    Environmental Laws.

  

Expenses

We will pay all fees, expenses and legal costs (on the basis of a
    solicitor and its own client or, where applicable, including extra-judicial
    costs) incurred by you in connection with this Agreement and any security
    provided to you and the enforcement of your rights against us or under any
    security. These costs and expenses include (but are not limited to ) costs
    of amendments, appraisals, inspections, environmental reviews,
    registrations, searches, discharges and actions taken in connection with the
    preservation of your rights under this Agreement or under your security.

  

Whole Agreement

This Agreement and any documents or instruments referred to in, or
    delivered pursuant to, this Agreement constitute the whole and entire
    agreement between us with respect to the Loans.

  

Amendments and Waivers

No amendment or waiver of any provision of this Agreement will be
    effective unless it is in writing and signed by you.

  

Language

The parties acknowledge that they have required that this document and
    all related documentation be drawn up in the English language. Les parties
    reconnaissent avoir demande que la presente convention ainsi que tous les
    documents qui s'y rattachent soient rediges en langue anglaise.

  

Acknowledgement of Terms and Conditions 

FOR SOMANI HOLDINGS INC.

Please initial _______

  
   

Page 2 of 3

 

 

 

SCHEDULE A

SECURITY

	Bank Form #	Description (*security to be
    obtained and registered prior to first advance)
	924	General Security Agreement
    covering all company assets other than real property.
	 	 
	812	Guarantee & Postponement of
    Claim in the amount of $275,000.00 signed by Ayaz Somani and Naseem Somani
    joint and severally.
	 	 
	918	Postponement of Claim signed by
    Ayaz Somani.
	 	 
	610	Collateral Security Agreement
    covering Guaranteed Investment Certificate in the amount of $50,000.00,
    signed by Naseem Somani.

Please initial _________________

 

 

Page 3 of 3

ROYAL BUSINESS OPERATINGLINE LOAN AGREEMENT

The following terms and conditions of this loan agreement
(the "Agreement") apply to the Royal Business OperatingLine (the "OperatingLine")
offered by Royal Bank of Canada ("RBC") to a customer (the "Customer").

1. Definitions

"Account" means the Customer's OperatingLine loan account that RBC has
opened in the Customer's name at the Branch; 

"Branch" means the branch indicated in section 21 of the Agreement;

"Credit Limit" means the maximum amount set out under the heading "Credit Limit"
in section 21 of the Agreement;

"Debt" means, on any day, the total principal amount that is debited or
transferred from the Account under the Agreement, plus interest and fees; 

"Interest Payment Day" means the day indicated as such in section 21 of the
Agreement;

"Interest Rate" means the annual interest rate indicated in section 21 of the
Agreement;

"Minimum Retained Balance" means the minimum retained balance indicated in
section 21 of the Agreement;

"Minimum Revolvement Amount" means the minimum revolvement amount indicated in
section 21 of the Agreement;

"Royal Bank Prime" means the annual rate of interest RBC announces from time to
time as a reference rate then in effect for determining interest rates on
Canadian dollar commercial loans in Canada; and

"Transaction" means a transfer of funds from the Account to the Customer's
business current account, made by RBC pursuant to section 3 of the Agreement.

2. General Terms of Agreement

If requested by RBC, the Customer must give RBC up-to-date credit and
financially-related information about the Customer. The Customer agrees to tell
RBC at once about any unfavourable change in the Customer's financial position
that seriously weakens the Customer's ability to pay the Debt to RBC as required
under the Agreement. Until the Customer does so, RBC may assume that all
information the Customer has supplied to RBC about the Customer's financial
position is true and complete at the time the Customer gives it to RBC and that
each change in the Customer's financial position after that time is not an unfavourable one of the nature outlined above.

Unless RBC otherwise agrees, the Customer must make all payments under the
Agreement in money which is legal tender at the time of payment. As well, the
mere lapse of the time fixed for performing an obligation under the Agreement
will have the effect of putting the Customer in default of it.

Unless the Customer and RBC otherwise agree in writing, no interest will be
payable at any time by RBC on a credit balance in the Account.

3. Account Use

The Account is a revolving line of credit and such credit is available only
to cover transactions made through the Customer's business current account
(including without limitation, transactions by way of a withdrawal request,
debit request, payment of a cheque or other payment instrument) where there are
no sufficient funds in that account to fund the transaction. Whenever the
balance in the Customer's business current account is less than the Minimum
Retained Balance, RBC will, once a day, debit the Account such that the
Customer's business current account is thereafter nil or in positive balance.
The amount of such debit will be the Minimum Revolvement Amount or a whole
multiple of the Minimum Revolvement Amount, and RBC will then deposit such
amount to the Customer's business current account. The amount of each such
transfer will form part of the Debt as of the day of the transfer.

If, pursuant to the preceding paragraph, a transfer of funds from the Account to
the Customer's business current account to fund a transaction in the Customer's
business current account (including without limitation, a transaction by way of
a withdrawal request, a debit request, a payment of a cheque or other payment
instrument), will exceed or cause the Debt to exceed the Credit Limit, then RBC
will decline the transaction or return the cheque or payment instrument unpaid.

4. Compliance with Law

The Customer represents and warrants that the Customer is in compliance and
agrees that in the future the Customer will comply with all laws, regulations,
official directives and authorizations applying to the Customer or any of the
Customer's property or business, including any relating to the environment or
public health and safety ("Environmental Laws"). The Customer will notify RBC
immediately of any breach of Environmental Laws. The Customer will also promptly
advise RBC of all communications and reports in connection with any matters
materially affecting the Customer, its property or business and relating to
Environmental Laws.

5. OperatingLine PLUS

If the Customer selects the OperatingLine PLUS option, RBC is authorized
(but not obligated to) whenever there is a credit balance in the Customer's
business current account that exceeds the sum of the Minimum Retained Balance
plus the Minimum Revolvement Amount, to apply all or part of such credit balance
in an amount which is equal to the Minimum Revolvement Amount or a whole
multiple of the Minimum Revolvement Amount, as a repayment on account of the
debt.

6. Credit Limit

RBC is not required to proceed with any Transaction on the Account if the
Transaction would cause the Debt to exceed the Credit Limit.

7. Set Off

RBC is authorized (but is not obligated), at any time and without notice, to
apply any credit balance (whether or not then due) to which the Customer is then
beneficially entitled on any account (in any currency) at any branch or agency
of RBC in or towards satisfaction of the Debt and the Customer's other
obligations under the Agreement. For that purpose, RBC is irrevocably authorized
to use all or any part of any such credit balance to buy such other currencies
as may be necessary to effect such application.

8. Debiting of Accounts

RBC is authorized, but not obligated, to debit any of the Customer's
accounts with any amounts due and payable by the Customer under the Agreement.

9. Interest Charges

        (a)    Interest on
Debt: The Customer will pay to RBC, on a monthly basis, interest on the Debt at
a rate equal to the Interest Rate in effect in the manner set out in this
section. In this respect, RBC will use any credit balance in the Customer's
business current account in payment of the interest and if there are
insufficient funds, the Customer must fund the Customer's business current
account to make such payment.

        (b)    Interest
Calculation: RBC will charge the Customer interest on the amount of each
Transaction from (and including) the day it is made to the day RBC receives
payment in full of the Debt.

The interest RBC charges on the Debt accrues daily and is calculated and payable
monthly as well after as before maturity, default and judgment, with interest on
overdue interest at the same rate as on the principal amount of Debt.

        (c)    Interest
Posting: On the Interest Payment Day, RBC will post the amount of interest the
Customer owes on the Debt to a business current account the Customer holds with
RBC which the Customer has selected for this purpose, RBC may post that interest
to the Account instead if, for any reason, it cannot be posted to (or it is
returned unpaid from) such other business current account.

        (d)    Interest Act
Disclosure: The annual rates of interest to which the rates calculated in
accordance with the Agreement are equivalent, are the rates so calculated
multiplied by the actual number of days in the calendar year and divided by 365.

10. Payment of Debt

         (a)    The
Customer must pay all interest on the Debt as required by the Agreement to keep
the Account up-to-date;

        (b)    RBC may, at its
discretion, require the Customer to make minimum principal payments of Debt on a
regular periodic basis and the Customer must make these minimum payments at the
times and in the way RBC advises the Customer to from time to time to keep the
Account up-to-date;

        (c)    The
Customer must pay the amount of any Debt that exceeds the Credit Limit at once
to keep the Account up-to-date. The Customer must pay this excess even though
RBC may not yet have sent the Customer an account statement on which that excess
appears;

        (d)    The Customer
must keep the Account up-to-date at all times, even if RBC is delayed in or
prevented from sending, for any reason, any one or more account statements to
the Customer. The Customer must contact RBC at least once a month during such a
delay or interruption to obtain any payment information the Customer does not
have and needs to know in order to comply with this section; and

         (e)     The
Customer will pay the Debt to RBC on demand.

Subject to the above provisions of this section, the Customer may pay the Debt
it owes to RBC in full or in part at any time without notice, penalty or bonus.
RBC will apply each payment of the Debt in the following order: reimbursement of
expenses, interest charges and fees; principal amount of Debt.

11. Hold on Funds

RBC has the right to hold any cheque, instrument or other item used to pay
Debt, and to defer a Transaction until RBC receives payment for the cheque,
instrument or other item.

12. Fees and Expenses

The Customer agrees to pay to RBC the set-up fees and the monthly fees, as
indicated in section 21 of the Agreement, for the OperatingLine. Also, the
Customer will pay all expenses and legal costs (on the basis of a solicitor and
its own client, or where applicable including extra-judicial costs) incurred by
RBC in connection with the Agreement and any security provided to RBC and the
enforcement of RBC's rights against the Customer or under any security. These
costs and expenses may include (but are not limited to) costs of amendments,
appraisals, inspections, environmental reviews, registrations, searches,
discharges and actions taken in connection with the preservation of RBC's rights
under the Agreement or under RBC's security.

13. Notices

Any notice or demand under the Agreement shall be given in writing by way of
a letter addressed to the Customer. If the letter is sent by telecopier, it
shall be deemed received on the date of transmission, provided such transmission
is received prior to 5:00 p.m. on a day on which the Customer's business is open
for normal business and otherwise on the next such day. If the letter is sent by
ordinary mail at the address of the Customer, is shall be deemed received on the
date falling five (5) days following the date of the letter, unless the letter
is hand-delivered to the Customer, in which case, the letter shall be deemed to
be received on the date of the delivery. The customer must advise RBC at once
about any changes in the Customer's address.

Page 1 of 2

14.    Changes

        (a)    Interest
Rate: The Interest Rate under the Agreement will change automatically, without
notice, whenever the Royal Bank Prime changes.

        (b)    Other Terms:
RBC may change any other terms of the Agreement periodically. Unless the law
requires RBC to do otherwise, RBC does not have to advise the Customer about
these changes before they take place. If the Account is used or any Debt remains
unpaid after the effective data of a change, it will attest that the Customer
has agreed to the change.

15. Proof of Debt and Interest Rate

RBD will keep records showing the amounts RBC has loaned to the Customer and
transferred from the Account to the Customer's business current account,
together with all accrued interest, and the amounts the Customer has repaid to RBC, under the Agreement, including all payments of principal, interest and fees
made by the Customer. These records will, in the absence of manifest error,
constitute conclusive evidence of the Debt the Customer owes RBC at any time.
RBC may use a microfilm, electronic or other reproduction of any Transaction or
other document evidencing the Debt to establish the Customer's liability for
that Debt.

If it is necessary for RBC to prove the Interest Rate in effect at any time, the
Customer agrees that RBC's written certificate, setting out the Interest Rate at
that time, is sufficient proof for that purpose. 

16.    Collection and Use of Information

From time to time,

        (a)    RBC may collect
credit and other financially-related information (including information related
to the Customer's transactions) about the Customer (defined in this section 16
as "Information") from the Customer, from service agreements the Customer has
made with or through RBC, from credit bureax and other financial institutions,
and from references the Customer has provided to RBC;

        (b) RBC may use information as
follows:

               
(i)    give it to credit bureaux, to other financial
institutions, to persons with whom the Customer has or may have financial or
other business dealings and, with the Customer's consent, to other parties,

               
(ii)    to determine the Customer's financial situation,

               
(iii)    to provide the customer with the services the Customer
requests fcrn RBC and

               
(iv)    give it to anyone who works with or for RBC, but only as
needed for the provision of the services the Customer requests from RBC. RBC may
use the Customer's social insurance number, if applicable, for income tax
reporting purposes if the Customer has given that number to RBD; and

        (c)    RBC may also
use Information for the following purposes:

               
(i)    to promote RBC's services to the Customer and add it to
client lists RBC prepares and uses it for this purpose, and

               
(ii)    share it with other members of Royal Bank Financial Group
(where the law allows this) so that they may promote their services to the
Customer.

RBC may also use the Customer's social insurance number, if applicable, as an
aid to identify the Customer with credit bureaux and other financial
institutions for credit history file matching purposes.

The Customer may tell RBC to stop using Information in the ways described in
sub-section 16(c) at any time by contacting the Branch or by calling RBC
toll-free at 1-800-Royal-7-0 (1-800-769-2570).

RBC acknowledges that the use of information in the ways described in
sub-section 16(c) is at the Customer's option and that the Customer will not be
refused credit or other services just because the Customer has told RBC to stop
using it in those ways.

For the purposes of sub-section 16(c)(ii), other members of Royal Bank Financial
Group include RBC's affiliates which are engaged in the business of providing
any one or more of the following services to the public in Canada: deposits,
loans and other personal financial services; credit, charge and payment card
services; trust and custodial services; securities and brokerage services;
insurance services.

If the Customer is no longer a client of RBC or the Agreement terminates, RBC
may keep information in its records so long as it is needed for the purposes
described in sub-section 16(b) above. The customer consents to, and accepts this
as prior written notice of, RBC obtaining a credit report or other information
about the Customer from time to time.

[RBC publishes a brochure about client privacy - "Straight Talk About Client
Privacy" - which outlines some matters relating to information (e.g. where it is
stored, how to verify or correct it, etc.). The Customer may obtain a copy of
this brochure at any of RBC's branches in Canada or by calling RBC at the
toll-free number shown above.]

17.    Whole Agreement 

The Agreement and any documents or instruments referred to in, or delivered
pursuant to, the Agreement constitute the whole and entire agreement between the
Customer and RBC with respect to the OperatingLine.

18.    Severability

The invalidity or unenforceability of any provision of this Agreement shall
not affect the validity or enforceability of any other provision of this
Agreement; and such invalid provision shall be deemed to be severable.

19.    Governing Law and Submission to Jurisdiction

The Agreement shall be construed in accordance with and governed by the laws
of the Province where the Customer resides and the laws applicable therein. The
Customer irrevocably submits to the non-exclusive jurisdiction of the courts of
such Province and acknowledges the competence of such courts and irrevocably
agrees to be bound by a judgment of any such court.

20.    Language

The Customer and RBC have expressly requested that the Agreement and all
related documents, including notices, be drawn up in the English language. Les
parties ont expressement demande que la presente convention et tous les
documents y afferents, y compris les avis, soient rediges en langue englaise.
(Quebec only/Quebec seulement)

21.    Loan Details

NAME OF CUSTOMER:

SOMANI HOLDINGS INC.

CREDIT LIMIT:

Two Hundred Fifty Thousand Dollars ($250,000.00)

Interest Rate: The Royal Bank Prime in effect from time to time plus 2.500
percent per annum.

Minimum Retained Balance: $.00

Minimum Revolvement Amount: $5,000.00

[X] OperatingLine PLUS

Interest Payment Day: The 26 day of each month

Fees: Set-Up Fees $350.00        
Monthly Fee: $100.00

Customer's Business Current Account Number: 1038918        
Transit: 00192

BRANCH ADDRESS:

HWY 7 & HWY 400 BRANCH STE 100 3300 HIGHWAY, CONCORD ON L4K 4M3

Customer's Address:

UNIT 11-12 595 MIDDLEFIELD RD SCARBOROUGH, ON M1V 3S2

	SIGNED by the
    Customer on ________________________

    Royal Bank of Canada

    by: /s/ Gautam Kwatra

    Gautam Kwatra

    Account Manager	SOMANI HOLDINGS INC.

    /s/ __________________________

    (Name of Customer)

    ____________________________

    (Authorized Signature)

    ____________________________

    (Authorized Signature)

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