Document:

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                                                                    Exhibit 10.4

(HSBC LOGO)

Commercial Banking -GP 3, Div M
(CARM 050608)

PRIVATE AND CONFIDENTIAL

Concord Camera HK Ltd
14/F Concord Technology Centre
98 Texaco Road
Tsuen Wan
NEW TERRITORIES                                               20 September 2005

Attn: Mr Harlan Press /Mr Paul Wong

Dear Sirs

BANKING FACILITIES
A/C NO. 500-166012

With reference to our recent discussion, we are pleased to advise that we have
reviewed your banking facilities and offer a renewal within the following
revised limits which will be made available on the specific terms and conditions
outlined herein. These facilities are subject to review at any time and, in any
event by 30 November 2005, and also subject to our overriding right of
suspension, withdrawal and repayment on demend, including the right to call for
cash cover on demand for prospective and contingent liabilities.

                                          New                 Previously
                                          ---                 ----------

Import Facilities                         HKD60,000,000.-     HKDl07,500,000.-*
-----------------

Documentary Credits to your
suppliers and Import Loan
Facilities in either HK Dollars
or Foreign Currency for up to
120 days, less any usance/credit
periods granted by your
suppliers

within which                              HKD60,000,000.-)    HKDl07,500,000.-)*
------------

Goods under your control and/or Trust Receipts

We may, at our sole and absolute discretion, refuse to allow drawings under the
facilities if the transaction in question does not meet operational requirements
in respect of these facilities.

Interest on import loans will continue to be charged on a daily basis as
follows and payable monthly in arrears to the debit of your account:-

HK Dollar        :   1.75% over HIBOR on import loans

Foreign currency :   1.75% over SIBOR or 1% below our standard Trade Finance
                     Rates as published by us

THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED
HSBC MAIN BUILDING, 1 QUEEN'S ROAD CENTRAL, HONG KONG
Tel: (852) 2822 1111 Fax: (852) 2899 8846
Telex: 73205 HSBC HX Telegrams: Hongbank Hongkong
Web: www.hsbc.com.hk

Incorporated in the Hong Kong SAR with limited liability
Registered at the Hong Kong Companies Registry No. 263876

<PAGE>

(HSBC LOGO)

Concord Camera HK Ltd                                          20 September 2005
--------------------------------------------------------------------------------

Interest at the above-mentioned rates over HIBOR (Hong Kong Interbank Offered
Rate) and SIBOR (Singapore Interbank Offered Rate) are subject to fluctuation at
our discretion and payable at the end of each interest period to the debit of
your account.

                                               New               Previously
                                               ---               ----------

Guarantee                                      EUR380,000.-      EUR380,000.-
---------

For issuance of a EUR380,000.- open-ended
guarantee in favour of Rabobank

Commission on the above guarantee facility
will be charged at 1.25% per annum on the
amount of guarantee issued/renewed, which is
subject to change at the Bank's discretion.

Please note the full amount of the
commission will be payable in advance on a
yearly basis to the debit of your current
account with us notwithstanding subsequent
return/cancellation of the guarantee
issued/renewed prior to expiry.

The commission rate specified above will
apply to the guarantee issued/renewed on
your behalf notwithstanding that a different
rate may have been specified in any
Counter-Indemnity issued by you in our favour
prior to the date of this letter in respect
of such guarantee and it is agreed that the
rate specified above will apply with effect
from the issue/renewal of such guarantee or
otherwise as indicated above. All other
terms of any such Counter-Indemnity remain
unchanged.

                                              New                Previously
                                              ---                ----------

Foreign Exchange Limit                        HKD15,000,000.-    HKD15,000,000.-
----------------------

For booking foreign exchange contracts
up to this limit in aggregate, with
individual contracts for periods of
up to a maximum of three months forward.

<PAGE>

(HSBC LOGO)

Concord Camera HK Ltd                                          20 September 2005
--------------------------------------------------------------------------------

Contracts may only be entered into to cover trade related exchange exposure
incurred in the normal course of business.

Foreign Exchange facility remains subject to our overriding right to call for
cash cover on demand if in the Bank's view a negative foreign exchange position
requires such cover. Further, the Bank may, after having discussed the position
with yourselves, close out any or all of your outstanding forward foreign
exchange contracts and demand settlement of the balance due.

Foreign exchange contracts will be governed by the conditions appearing on the
reverse of the standard contract form. These contract forms should be checked
upon receipt and the copy signed and returned to the Bank.

Default Interest
----------------

Please note that interest will be payable on sums which are overdue, drawings
which are in excess of agreed limits and amounts demanded and not paid, at the
maximum rate stipulated in the Bank's Tariff which is accessible at
http://www.hsbc.com.hk/hk/commercial/tool/pdf/c_tariff.pdf. The Bank will
provide you with a hard copy of the Tariff at your request. Interest at the
applicable rate will be payable monthly in arrears to the debit of your current
account.

Accrual of Interest and Other Sums
-----------------------------------

Please note that interest and other sums expressed to be chargeable or payable
on a periodic basis will nonetheless accrue from day to day and amounts so
accrued may be demanded at any time.

Security
--------

As security for the foregoing facilities, we continue to hold: -

l)  An "all monies" debenture over all the assets and undertakings of your
    company with minutes of meeting both dated 10 June 2004.

2)  A Letter of Awareness dated 24 August l998 from Concord Camera Corp together
    with a Certificate of Assistant Secretary dated 3 September 1998.

3)  A Corporate Guarantee for USD4,200,000.-from Concord Camera Corp with
    minutes of meeting both dated l9 August l999 and a copy of legal opinion
    dated 9 August l999 from Holland & Knight LLP.

4)  A Corporate Guarantee for USD4,000,000.-from Concord Camera Corp with
    minutes of meeting and Certification all dated 11 November 1999.

5)  A Corporate Guarantee USD5,500,000.-from Concord Camera Corp with minutes
    of meeting and Certification all dated 18 October 2000.

<PAGE>

(HSBC LOGO)

Concord Camera HK Ltd                                          20 September 2005
--------------------------------------------------------------------------------

6)  A Corporate Guarantee for EUR380,000.-dated 16 December 2003 from Concord
    Camera Corp with minutes of meeting and Certification both dated 31 January
    2004.

7)  A Letter of Undertaking from your company together with the minutes of
    meeting both dated 24 August 1998 undertaking:
    (a) to direct to us bills business of not less than HKD100,000,000.- on an
        annual basis;
    (b) to maintain the tangible net worth of your company above
        HKD110,000,000.- at all times;
    (c) to maintain the net gearing ratio (after netting cash balance) of your
        company below 45% at all times;
    (d) not to declare dividends of more than 50% of recurrent net profit in any
        financial year.

8)  A Letter of Undertaking dated 20 July 1999 from your company together with
    the minutes of meeting dated 19 July 1999 undertaking:
    (a) to direct to us all I/E bills business of your company;
    (b) to maintain the tangible net worth of your company above
        HKD110,000,000.- at all times;
    (c) to maintain the net gearing ratio (after netting cash balance) of your
        company below 45% at all times;
    (d) not to declare dividends of more than 50% of recurrent net profit in any
        financial year.

9)  A Letter of Undertaking from your company together with the minutes of
    meeting both dated 28 August 2000 undertaking:
    (a) to direct to us all I/E bills business of your company;
    (b) to maintain the tangible net worth of your company at least
        HKD250,000,000.- at all times;
    (c) to maintain the net gearing ratio (after netting cash balance) of your
        company at 45% or less at all times;
    (d) not to declare dividends of more than 50% of recurrent net profit in any
        fiscal year.

10) A Registered Assignment of DC Proceeds form dated 4 May 2001 together with
    the minutes of meeting dated 28 August 2000 executed by your company.

ll) A Counter Indemnity dated 5 December 2003 in respect of the above guarantee
    issued on your behalf (Re: L/G No. 46026).

12) A Capitalization and Subordination Agreement dated 31 March 2005 from
    Concord Camera Corp undertaking to recapitalize Concord Camera HK Ltd by
    converting HKD85,000,000.- advance to Concord Camera HK Ltd into equity.

13) A Subordination Agreement dated 31 March 2005 from Concord Camera Corp in
    respect of advances of HKD 155,000,000.- to Concord Camera HK Ltd together
    with the Board Resolution dated 29 March 2005.

Please note that we require legal opinions from qualified solicitor in USA
confirming the authority and power of Concord Camera Corp to enter into the
above security items (12) and (13) and that the relevant documents will also be
properly executed.

<PAGE>

(HSBC LOGO)

Concord Camera HK Ltd                                          20 September 2005
--------------------------------------------------------------------------------

As additional security, please let us have a charge over your deposit for
USD2,000,000.- or its equivalent in other foreign currencies to be placed with
us. We enclose our standard form of Security Over Deposit for your completion
and return, together with with a certified copy of a Board Resolution in
substantially the form as that enclosed with this facility letter.

In the event of the value of the foreign currency deposit charged to us falling
below the required level and upon our request, you should immediately pledge to
us additional security acceptable to us to bring the value back to the
threshold.

Pursuant to Section 80 of the Companies ordinance, a charge will have to be
formally registered with the Companies Registry within 5 weeks from the date of
the document. After the "Security Over Deposit" has been duly executed and
returned by you, we shall proceed with the filing on your behalf and the filing
fee of HKD340.-will automatically be debited to your current account under
advice to you.

Upon receipt of your acceptance to this facility letter and satisfactory
completion of the above security, we shall cancel the following:

l)  A Corporate Guarantee for USD10,300,000.-from Concord Camera Corp with
    minutes of meeting and Certification all dated 3l January 2004.

2)  A Corporate Guarantee for EUR10,000,000.-dated 3 June 2004 from Concord
    Camera Corp with minutes of meeting dated 27 April 2004 and Certification
    dated 3 June 2004.

As a special condition, Concord Camera HK Ltd is required to submit to our Bank
aged debtors' listing and inventory summary on a quarterly basis.

You will be required for so long as these facilities are available to you to
comply with the above covenants/undertakings. Your compliance or otherwise with
the above covenants/undertakings will not in any way prejudice or affect our
right to suspend, withdraw or make demand in respect of the whole or any part of
the facilities made available to you at any time. By signing this letter, you
expressly acknowledge that we may suspend, withdraw or make demand for repayment
of the whole or any part of the facilities at any time notwithstanding the fact
that the above covenants/undertakings are included in this letter and whether or
not you are in breach of any such covenants/undertakings.

Please note that all costs and expenses (including legal fees) incurred by us in
connection with the extension of these facilities and any matters arising are to
be reimbursed by you on demand.

Concord Camera Corp("the Surety")confirms by countersigning this letter that
their security remains in full force and effect and continues to secure the
indebtedness referred to in this letter. Furthermore, such liability under the
security will not be discharged or affected by the Bank extending, increasing,
renewing, or otherwise varying the indebtedness referred to in this letter or by
any other act, omission or circumstance which might discharge the Surety to any
extent.

Please arrange for the AUTHORISED SIGNATORIES OF YOUR COMPANY, in accordance
with the terms of the mandate given to the Bank, to sign and return to us the
duplicate copy of this letter to signify your confirmation as to the correctness
of the security held, and your continued understanding and acceptance of the
terms and conditions under which these revised facilities are granted.

<PAGE>

(HSBC LOGO)

Concord Camera HK Ltd                                          20 September 2005
--------------------------------------------------------------------------------

A review fee of HKD20,000.- will be charged to the debit of your current account
upon receipt of your acceptance of this facility letter.

Unless expressed in writing from you to the contrary, we may provide any
information relating to any of your accounts with us and any facilities we may
provide to you from time to time or their conduct or any other information
concerning your relationship with us to any other company or office which at the
relevant time belongs to or is part of the HSBC Group.

Section 83 of the Banking Ordinance
-----------------------------------

Please note that Section 83 of the Banking Ordinance has imposed on us as a bank
certain limitations on advances to persons related to our directors or
employees. In acknowledging this facility letter you should advise us whether
you are in any way related to any of our directors or employees within the
meaning of Section 83 and in the absence of such advice we will assume that you
are not so related. We would also ask, should you become so related subsequent
to acknowledging this facility letter, that you immediately advise us in
writing.

These revised facilities will remain open for acceptance until the close of
business on 12 October 2005 and if not accepted by that date will be deemed to
have lapsed.

We are pleased to be of continued assistance.

Yours faithfully

                                                    For and on behalf of Concord
                                                    Camera HK Ltd

/s/ Nelson Ho                                      /s/ Harlan Press 19/10/05
-----------------------                            -----------------------------
   Nelson Ho
   Senior Vice President

   ac

   Encl

                                                   For and on behalf of
                                                   Concord Camera Corp

                                                   /s/ Ira B. Lampert 19/10/05
                                                   -----------------------------October 21, 2005

PRIVATE AND CONFIDENTIAL

Island Corporation
260 Edgeley Blvd
Unit 32
Concord, Ontario
L4K 3Y4

Attn    Norm Drolet
        Ettore Naccarato

Dear Mr. Naccarato & Drolet

Re:  Letter of Intent ("LOI") for the Acquisition of the shares of Island
Corporation ("ISLAND" or the "Company"). The purpose of this LOI is to set
forth certain nonbinding intentions of, and certain binding agreements between
On The Go Healthcare, Inc, (the "Purchaser") and the shareholders of ISLAND,
the Company, (the "Vendors"), (collectively, the "Parties") both personally
and in their capacity as trustees with respect to the transaction described
in subparagraph 1 of Part One of this LOI (the "Transaction").

Further details are provided in Schedule A to this LOI.

PART ONE - NONBINDING PROVISIONS

The following numbered paragraphs of this Part One (collectively, the
"Nonbinding Provisions") reflect the Purchaser's current intentions with
respect to the matters described herein, but the Parties acknowledge that
neither the Nonbinding Provisions nor any prior or subsequent course of
conduct or dealing between the Parties is intended to create or constitute
any legally binding obligation, and neither the Purchaser nor the Vendors
shall have any liability with respect to the Nonbinding Provisions.  Whether
or not a fully-integrated, definitive agreement facilitating the sale by the
Vendors of the Company (the "Definitive Agreement") and other related documents
are prepared, authorized, executed or delivered by the Parties, no party to,
or recipient of, this LOI shall have any liability to any other party to, or
recipient of, this LOI based upon, arising from, or relating to the Nonbinding
Provisions.  This LOI does not constitute an agreement to negotiate or
otherwise enter into any agreement relating to the acquisition by the Purchaser
of the Company.

1. The Transaction

        The Transaction will entail the acquisition by the Purchaser of all
        shares of the Company.  If the proposed Transaction is consummated, the
        Parties intend that the closing shall occur on or before
        October 31, 2005, or another date agreed to by the Parties
        (the "Closing Date").

2. Assumptions

        This LOI is based on the understanding that the Company is a private
        company incorporated under the laws Ontario and that management and the
        board of directors control a majority of the stock needed in order to
        approve the intended sale.

3. Proposed Financial Terms

        The total consideration will be payable to the Vendors according to
        the terms set forth on Schedule A of this LOI.

<PAGE>

4. Conditions for Closing

        The Purchaser and Vendors will be required to cooperate to satisfy the
        Conditions set forth in Schedule B of this LOI, prior to the Closing
        Date.

5. Proposed Form of Agreement

        Following the execution of this LOI, the Purchaser and Vendors will
        promptly begin negotiations with respect to a written Definitive
        Agreement, containing agreed-upon representations, warranties,
        conditions (including due diligence and certain other matters to be
        mutually agreed to by the Purchaser and Vendors) in a mutually
        acceptable form.  The Parties agree that if a Definitive Agreement
        is not executed by the Closing Date, this LOI shall terminate in
        accordance with the provisions of subsection 9 of Part Two of this
        LOI unless both Parties agree to extend the Closing Date.  The
        Parties agree that the closing and the funding of the Transaction
        will occur simultaneously on the Closing Date.

6. Structure of Transaction

        The Parties will do all things as necessary or desirable to give
        effect to the Transaction, including any restructuring by mutual
        agreement in writing to permit all advantages of the Income Tax
        Act (Canada) and the United States Internal Revenue Code.

PART TWO - BINDING PROVISIONS

In consideration of the significant costs to be borne by the Purchaser and
Vendors in pursuing the proposed Transaction and further in consideration of
the mutual undertakings as to the matters described herein, upon execution by
the Purchaser and Vendors of this LOI or counterparts thereof, the following
numbered subparagraphs of this Part Two (collectively, the "Binding
Provisions") shall constitute a legally binding and enforceable agreement
between the Purchaser and the Vendors.

1. Access

        The Vendors shall provide to the Purchaser or the Purchaser's
        representative's reasonable access to all of the financial records
        of the Company and all other such information as may be mutually
        agreed upon in connection with the Purchaser's due diligence review.
        The Purchaser shall have access to such records and information at a
        mutually convenient location. All of the information provided to the
        Purchaser and its professional advisors is and shall remain
        confidential.

2. Exclusive Dealing

        Unless and until the Binding Provisions are terminated pursuant to
        subparagraph nine of Part Two of this LOI, the Vendors shall not
        directly or indirectly solicit or encourage the submission of offers
        from or negotiate with or in any manner encourage any proposal from
        any other person or group relating to the sale of all or any portion
        of the capital stock or assets of the Company.

<PAGE>

3. Disclosure of Negotiations

        Except as and to the extent required by law, without the prior written
        consent of the other party, neither the Purchaser nor the Vendors nor
        their representatives or affiliates shall directly or indirectly make
        any public comment, statement or communication regarding any of the
        terms, conditions or other aspects of the Transaction or other
        pre-emptory or other related discussions between the Parties.  If a
        party is required by law to make any such disclosure, it shall first
        provide to the other party the content of the proposed disclosure,
        the reason why such disclosure is required, the time and place that
        the disclosure will be made. Notwithstanding the foregoing, the
        Vendors hereby grants permission to the Purchaser to disclose the
        existence and terms of this LOI to recognized financial institutions
        or other sources of capital in connection with the Purchaser's
        attainment of acquisition financing (if required), as well as the
        Purchaser's lawyers, accountants and professional advisors.  The
        Purchaser may file an 8k with the SEC giving an outline of the
        transaction if it's lawyers fell it necessary to comply with
        discloser requirements.

4. Costs

        The Purchaser and Vendors shall each be responsible for, and bear all
        of their own respective costs and expenses (including any commissions,
        professional fees and other expenses of their representatives) incurred
        in connection with pursuing or consummating the proposed Transaction
        including the costs associated with the due diligence review.

5. Conduct of Business

        While this LOI remains in effect:

                (a) The Vendors agree to: (i) conduct its affairs only in the
                    ordinary course of business; (ii) continue to pay all of
                    the Company's customers, suppliers and other parties having
                    business relationships with the Company based on the same
                    terms that it normally exercises; (iii) continue to provide
                    the same terms of sale to its customers and continue to
                    make reasonable attempts to collect monies owed to it by
                    its customers; (iv) notify the Purchaser prior to incurring
                    any financial obligations to make capital expenditures,
                    enter into and/or guarantee leases, obtain third party
                    debt, enter into purchase commitments and any other
                    liabilities that would not arise in the ordinary course
                    of business; and (v) use all commercially reasonable
                    efforts to preserve the Company's business organization,
                    keep available the services of the Company's current
                    employees, preserve the Company's existing relationships
                    and maintain the goodwill that the Company enjoys with
                    these persons; and

<PAGE>

                (b) From the date hereof, the Vendors will not and, without
                    the prior written consent of the Purchaser, will not permit
                    the Company to: (i) declare, make or pay any dividends or
                    bonuses (except for bonuses that are normally paid in order
                    to reduce taxable income to the small business limit
                    according to the Income Tax Act (Canada); (ii) transfer any
                    asset or incur any liability except in the ordinary course
                    of business and consistent with the Company's past
                    practices; (iii) materially change the terms of any
                    agreement with any of the Company's customers, suppliers
                    or others having business relationships with the Company;
                    or (iv) change or make any offers to change any
                    compensation or rate of compensation payable to any of
                    the Company's directors, officers or key employees other
                    than in the ordinary course of business and consistent
                    with past practices.

6. Nonbinding Provisions Not Enforceable

        The Nonbinding Provisions do not create nor constitute any legally
        binding obligations between the Purchaser and Vendors and whether or
        not the Definitive Agreement is prepared, authorized, executed or
        delivered by the Parties, neither the Purchaser nor the Vendors shall
        have any liability to any other party to this LOI based upon, arising
        from, or relating to the Nonbinding Provisions.  No prior or subsequent
        course of conduct or dealing between the Parties, oral communications
        or other actions not reduced to or reflected in writing and executed
        by all of the Parties shall serve to modify this subparagraph in any
        way or cause the Nonbinding Provisions or any provisions covering
        the same subject matter to become in any sense legally binding and
        enforceable.

7. Entire Agreement

        The Binding Provisions constitute the entire agreement between the
        Parties, superseding all prior oral or written agreements,
        understandings, representations and warranties, courses of conduct
        or dealings between the Parties on the subject matter hereof.
        Except as otherwise provided herein, the Binding Provisions may be
        amended or modified only by a written agreement executed by the
        Parties.

8. Governing Law

        The Binding Provisions shall be governed by and construed in accordance
        with the laws of the Province of Ontario.

9. Termination

        The Binding Provisions shall automatically terminate on the earlier of
        the Closing Date or termination in writing by the Purchaser or Vendors.
        Upon termination of the Binding Provisions, the Parties shall have no
        further obligations hereunder, except as stated in subparagraphs
        3 and 4 of this Part Two, which shall survive any such termination.

10.Counterparts and Facsimile Transmissions

        This LOI may be executed in several counterparts, each of which so
        executed will be deemed to be an original and such counterparts
        together will constitute but one and the same instrument. The parties
        agree that this LOI may be transmitted by facsimile or such similar
        device and that the reproduction of signatures by facsimile or such
        similar device will be treated as binding as if originals.

<PAGE>

If you find the foregoing terms to be acceptable, please sign and date this
LOI in the space provided below to confirm the mutual agreements set forth
in the Binding Provisions.

The parties agree that this LOI shall be valid until 11:59 p.m. on the ...25th
day of October 2005 after which time, if not accepted; this LOI and all
related conditions shall be null and void.

Yours truly,

On The Go Healthcare, Inc.

/s/ Stuart Turk
-------------------
Stuart Turk - CEO

Witness:

/s/Randal A. Kalpin
-----------------------
Name:  Randal A. Kalpin

Date:   Oct. 21, 2005

This LOI is hereby accepted and agreed upon by the undersigned.

ISLAND CORPORATION

/s/Norm Drolet                          /s/Ettore Naccarato
--------------                          --------------------
Norm Drolet                             Ettore Naccarato

Witness:

/s/ Robin Ricalis
-------------------
Name: Robin Ricalis

Date:   Oct. 21, 2005

<PAGE>

                                SCHEDULE A - TERM SHEET

Purchaser:              On The Go Healthcare, Inc.  (the "Purchaser")

Vendors:                Island Corporation (the "Vendor")

Target Company:         Island Corporation ("ISLAND" or the "Target Company").

Consideration:                     Allocation           Shareholders
                Certain shares     As a Group           Norm Drolet
                                   100%                 Ettore Naccarato

Shareholders                        Purchase Price       OGHC Shares on Closing

Norm Drolet                               $750,000                500,000
Ettore Naccarato                          $750,000                500,000
                                        ----------              ---------
Total Cash                              $1,500,000
Value of Shares Based on $1.10 USD                              1,100,000 US$

Value in CDN$ @ 1.2                     $1,320,000
                                        ----------
Total Value of the Transaction in CDN$  $2,820,000

On closing $1,000,000 in cash will be paid.  An additional $200,000 in cash
will be paid in 2 equal payments subject to adjustment begging 90 days from
closing. An additional $300,000 will be paid in 12 equal installments of
$25,000 commencing January 31st, 2006. The Balance of the purchase price due
after closing shall be secured by way of security to the vendors.

Key employees will split a Maximum of 60,000 restricted shares of OGHC

The company will Issue a  refundable goodwill deposit of 25,000 shares each
to Norm Drolet and  Ettore Naccarato to  be credited to the purchaser on
closing

<PAGE>

                                SCHEDULE B:
                          CONDITIONS FOR CLOSING

Conditions

A.  Meeting with the Vendors and touring the facilities

B.  Delivery of the Vendors' certain Assets, free and clear of any
    encumbrances.

C.  The Purchaser at its sole discretion must be satisfied with the results of
    its due diligence review to be completed by October 31, 2005 or 30 business
    days after all requested information is provided and that the information
    provided by the Vendors is a true representation of the condition of the
    Target Company both financial and otherwise. This date can be extended by
    mutual agreement between the Purchaser and Vendors.

D.  The Vendors will warrant:

        the collectibility of the accounts receivable net for an allowance of
        doubtful accounts in accordance with US GAAP.

        that Inventory will be current and marketable

        that Furniture & Office Equipment will be free and clear of any
        encumbrance.

E.  If there is a material misrepresentation discovered after the signing of
    the Definitive   Agreement and before closing, the Purchaser may elect not
    to complete the closing.

F.  The Company will have normal and adequate working capital at the time of
    closing, consistent with past business practices.

G.  The Vendor agrees:

        Norm Drolet and  Ettore Naccarato will remain and continue to run the
        ISLAND division for an agreed upon wage of $100,000 per year each for a
        minimum of 3 years from time of closing.  The terms of employment
        benefits will be defined in the employment contract prior to closing.

H.  Purchaser's Board of Directors approval.

I.  The transaction is conditional upon the approval of Laurus Master Fund Ltd
    prior to  October 31, 2005

J.  The transaction is conditional upon the approval by the Vendor of any
    amendment to the quantum of the purchase price or the form of payment of
    the purchase price.

K.  The parties agree to sign a Section 85 Rollover Agreement or other
    agreement as advised by the accountants of the Vendor in regards to the tax
    planning for this transaction provided that any proposed tax planning does
    not adversely affect the purchaser.

<PAGE>

Non-Competition Agreement:      As is customary with transactions of this
                                nature, the Definitive Agreement will require
                                the Vendors to enter into an appropriate
                                Non-compete Agreement to the benefit of the
                                Purchaser.

Due Diligence Information List: With timing that is mutually convenient to
                                both Parties, the Vendors will permit the
                                Purchaser or its representative's sufficient
                                access to its records to complete standard
                                due diligence procedures.  Within 5 business
                                days of the execution of this LOI, the
                                Purchaser will provide a comprehensive due
                                diligence i
<PAGE>

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