Document:

Bank Credit Line - AutoFun Canada Inc.

EXHIBIT 10.5

Demand Loan Financing Agreement

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

Demand Operating Loan

	Maximum Amount: *$150,000.00   	Revolvement Account # ____________   	Minimum Retained Balance $___________ 

	Interest Rate: Royal Bank Prime plus 2% per
    annum payable on the 26th day of each month.   	Minimum Revolvement Amount: $5,000

Fees

$10 per transaction to Revolve Demand Operating Loan

Business Loan Insurance Plan

	Application for Creditor Life completed   	Date: _____________   
	[x]  declined Autofun Canada Inc.   	By: Karim Suleman   	By: _________________________

Margin Requirement

N/A

Reports to be provided by Borrower

Accountant Review Year End Statements required frequency: Annually

90 days after fiscal year end.

Security (*security to be obtained and registered prior to first advance)

	Bank Form #   	Description
	924   	General Security Agreement
	812   	Guaranteed Postponement of Claim from Karim Suleman
	3460   	Waiver - Royal Bank Business Loan Insurance Plan

This Demand Loan Financing Agreement cancels and supercedes any and all
previous Demand Loan Financing Agreements. We agree that the Loans will be
subject to the Terms and Conditions on the reverse, 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 3rd day of February, 2000
	   	AUTOFUN CANADA INC.
	   	By: /s/ Karim Suleman                                 
    
	   	Name and Title of Authorized Signatory
	 
	Accepted and agreed   	By:                                                               
    
	ROYAL BANK OF CANADA   	                                                                    
    
	By: __________________________   	 Name and Title of Authorized Signatory

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 daily on the
    basis of a year of 365 days and will be calculated, payable and compounded
    monthly in arrears on the day of the mouth 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 judgment. 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 and Temporary Demand Operating Loans

The outstanding amount of a Demand Operating Loan or a Temporary Demand
    Operating Loan may revolve up to an amount equal to the lesser of the
    Maximum Amount specified and the amount calculated by you in accordance with
    the Margin Requirement, until the earlier of your demand for repayment or
    any 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 Installment Loan(s)

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

    Installment Payments. With respect to any Demand Installment Loan, we
    will (unless and until you make demand for repayment) make the specified
    Installment Payments. If the Installment 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 (be on a Demand Installment Loan, together with all
    outstanding principal over the Amortization Period specified, then the
    allotment of the Blended Payments will lie 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, constitute 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 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 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
    tons les documents qui s'y rattachent soient rediges en langue anglaise.

     

  

GENERAL SECURITY AGREEMENT

1. SECURITY INTEREST

  

        (a) For value
received the undersigned ("Debtor") hereby grants to ROYAL BANK OF CANADA 
("RBC"), a security interest (the "Security Interest") in the undertaking of
Debtor and in all of Debtor's present and after acquired personal property
including without limitation , in all Goods (including all parts, accessories,
attachments, special tools, additions and accessions thereto), Chattel Paper.
Documents of Title (whether negotiable or not), Instruments, Intangibles, Money
and Securities now owned or hereafter owned or acquired by or on behalf of
Debtor including such as may be returned to or repossessed by Debtor) and in all
proceeds and renewals thereof, accretions thereto and substitutions therefore
(hereinafter collectively called "Collateral"), and including, without
limitation, all of the following now owned or hereafter owned or acquired by or
on behalf of Debtor:

(i) all inventory of whatever kind and wherever situate:

(ii) all equipment (other than inventory) of whatever kind
and whatever situate, including, without limitation, all machinery, tools,
apparatus, plant, furniture, fixtures and vehicles of whatsoever nature or kind;

(iii) all Accounts and book deals and generally all debts,
dues, claims, choses in action and demands of every nature and kind howsoever
arising or secured including letters of credit and advices of credit, which are
now due, owing or accruing or growing due to or owned by or which may hereafter
become due. owing or accruing or growing due to or owned by Debtor ("Debts");

(iv) all deeds documents, writings. papers, books of account
and other books relating to or being records of Debts, Chattel Paper or
Documents of Title or by which such are or may hereafter be secured, evidenced,
acknowledged or made payable:

(v) all contractual rights and insurance claims:

(vi) all patents, industrial designs. trade-marks, trade
secrets and know-how including without limitation environmental technology and
biotechnology. confidential information, trade-names goodwill copyrights,
personality rights, plant breeders' rights, integrated circuit topographies
software and all other forms of intellectual and industrial property, and
any registrations and applications for registration of any of the foregoing
(collectively "Intellectual Property"); and

(vii) all property described in Schedule "C" or any schedule
now or hereafter annexed hereto.

(b) The Security Interest granted hereby shall not
extend or apply to and Collateral shall not include the last day of the term of
any lease or agreement therefor but upon the enforcement of the Security
Interest, Debtor shall stand possessed of such last day in trust to assign the
same to any person acquiring such term.

(c) The terms "Goods", "Chattel Paper", "Document of Title",
"Instrument", "Intangible", "Security", "proceed", "inventory", "accession",
"Money", "Account", "financing statement" and "financing change statement"
whenever used herein shall be interpreted pursuant to their respective meanings
when used in The Personal Property Security Act of the province referred to in
Clause 14(r), as amended from time tot me, which Act, including amendments
thereto and any Act substituted therefor and amendments thereto is herein
referred to as the "P.P.S.A.". Provided always that the term "Goods" when used
herein shall not include "consumer goods" of Debtor as that term is defined in
the P.P.S.A., and the term "Inventory" when used herein shall include livestock
and the young thereof after conception and crops that become such within one
year of execution of this Security Agreement. Any reference herein to
"Collateral" shall, unless the context otherwise requires, be deemed a reference
to "Collateral" or any part thereof.

2. INDEBTEDNESS SECURED

The Security Interest granted hereby secures payment and
performance of any and all obligations. indebtedness and liability of Debtor to
RBC (including interest thereon) present or future, direct or indirect, absolute
or contingent, matured or not, extended or renewed, wheresoever and howsoever
incurred and any ultimate unpaid balance thereof and whether the same is from
time to time reduced and thereafter increased or entirely extinguished and
thereafter incurred again and whether Debtor be bound alone or with another or
others and whether as principal or surety (hereinafter collectively called the
"Indebtedness"). If the Security Interest in the Collateral is not sufficient,
in the event of default, to satisfy all Indebtedness of the Debtor, the Debtor
acknowledges and agrees that Debtor shall continue to be liable for any
indebtedness remaining outstanding and RBC shall be entitled to pursue full
payment thereof.

3. REPRESENTATIONS AND WARRANTIES OF DEBTOR

Debtor represents and warrants and so long as this Security
Agreement remains in effect shall be deemed to continuously represent and
warrant that:

        (a) that the Collateral is genuine and owned by Debtor free
of all security interests, mortgages, liens, claims, charges, licenses, leases
infringements by third parties, encumbrances or other adverse claims or
interests (hereinafter collectively called "Encumbrances"), save for the
Security interest and those Encumbrances shown on Schedule "A" or hereafter
approved in writing by RBC, prior to their creation or assumption;

        (b) all Intellectual Property applications and registrations
are valid and in good standing and Debtor is the Owner of the applications and
registrations;

        (c) each Debt, Chattel Paper and Instrument constituting
Collateral is enforceable in accordance with its terms against the party
obligated to pay the same (the "Account Debtor"), and the amount represented by
Debtor to RBC from time to time as owing by each Account Debtor or by all
Account Debtors will be the correct amount actually and unconditionally owing by
such Account Debtor or Account Debtors, except for normal cash discounts where
applicable, and no Account Debtor will have any defense, set off, claim or
counterclaim against Debtor which can be asserted against RBC, whether in any
proceeding to enforce Collateral or otherwise;

        (d) the locations specified in Schedule B as to business
operations and records are accurate and complete and with respect to Goods
(including Inventory) constituting Collateral, the locations specified in
Schedule "B" are accurate and complete save for Goods in transit to such
locations and Inventory on lease or consignment; and all fixtures or Goods about
to become fixtures and all crops and all oil gas or other minerals to be
extracted and all timber to be cut which forms part of the Collateral will be
situate at one of such locations; and

        (e) the execution, delivery and performance of the
obligations under this Security Agreement and the creation of any security
interest in or assignment hereunder of Debtor's rights in the Collateral to RBC
will not result in a breach of any agreement to which Debtor is a party.

4. COVENANTS OF THE DEBTOR

So long as this Security Agreement remains in effect
Debtor covenants end agrees:

        (a) to defend the Collateral against the claims and demands
of all other parties claiming the same or an interest therein; to diligently
initiate and prosecute legal action against all intruders of Debtor's rights in
intellectual Property; to take all reasonable action to keep the Collateral free
from all Encumbrances, except for the Security Interest, licenses which are
compulsory under federal or provincial legislation and those shown on Schedule
"A" or hereafter approved in writing by RBC, prior to the r creation or
assumption, and not to sell, exchange transfer, assign, lease license or
otherwise dispose of Collateral or any interest therein without the prior
written consent of RBC:

provided always that, until default, Debtor may in the
ordinary course of Debtor's business, sell or lease inventory and, subject to
Clause 7 hereof, use Money available to Debtor;

        (b) to notify RBC promptly of:

(i) any change in the information contained
            herein or in the Schedules hereto relating to Debtor, Debtor's
            business or Collateral,

            

            (ii) the details of any significant acquisition
            of Collateral,

(iii) the details of any claims or litigation affecting Debtor or
Collateral,

(iv) any loss or damage to Collateral,

(v) any default by any Account Debtor in payment or other
performance of its obligations with respect to Collateral, and

(vi) the return to or repossession by Debtor of Collateral;

  

        (c) to keep Collateral in good order, condition and repair
and not to use Collateral in the provisions of this Security Agreement or any
other agreement relating to collateral or any policy insuring Collateral or any
applicable statute, law, by-law, rule regulation or ordinance, to keep all
agreements, registrations and applications relating to Intellectual Property and
intellectual property used by Debtor in its business in good standing and to
renew all agreements and registrations as may be necessary or desirable to
protect Intellectual Property , unless otherwise agreed in writing by RBC, to
apply to register all existing and future copyrights, trade-marks, patents,
integrated circuit topographies and industrial designs whenever it is
commercially reasonable to do so,

        (d) to do, execute, acknowledge and deliver such financing
statements, financing change statements and further assignments, transfers,
documents, acts, matters and things (including further schedules hereto) as may
be reasonably requested by RBC of or with respect to Collateral in order to give
effect to these presents and to pay all costs for searches and filings in
connection therewith;

        (e) to pay all taxes, rates, levies, assessments and other
charges of every nature which may be lawfully levied, assessed or imposed
against or in respect of Debtor or Collateral as and when the same become due
and payable;

        (f) to insure Collateral for such period, in such amounts, on
such terms and against loss or damage by fire and such other risks as RBC shall
reasonably direct with loss payable to RBC and Debtor, as insured, as their
respective interests may appear, and to pay all premiums therefor;

        (g) to prevent Collateral, save inventory sold or leased as
permitted hereby, from being or becoming an accession to other property not
covered by this Security Agreement;

        (h) to carry on and conduct the business of Debtor in a
proper and efficient manner and so as to protect and preserve Collateral and to
keep, in accordance with generally accordance with generally accepted accounting
principles, consistently applied, proper books of account for Debtor's business
as well as accurate and complete records concerning Collateral, and mark any and
all such records and Collateral at RBC's request so as to indicate the Security
Interest;

        (i) to deliver to RBC from time to time promptly upon
request:

(i) any Documents of Title, Instruments, Securities and
Chattel Paper constituting, representing or relating to Collateral,

(ii) all books of account and all records, ledgers, reports,
correspondence, schedules, documents, statements, lists and other writings
relating to Collateral for the purpose of inspecting auditing or copying the
same,

(iii) all financial statements prepared by or for Debtor
regarding Debtor's business,

(iv) all policies and certificates of insurance relating to
Collateral, and

(v) such information concerning Collateral, the Debtor and
Debtor's business and affairs as RBC may reasonably request.

5. USE AND VERIFICATION OF COLLATERAL

Subject to compliance with Debtor's covenants contained
herein and Clause 7 hereof, Debtor may, until default, possess, operate,
collect, use and enjoy and deal with Collateral in the ordinary course of
Debtor's business in any manner not inconsistent with the provisions hereof
provided always that RBC shall have the right at any time and from time to time
to verify the existence and state of the Collateral in any manner RBC may
consider appropriate and Debtor agrees to furnish all assistance and information
and to perform all such acts as RBC may reasonably request in connection
therewith and for such purpose to grant to PRO or its agents access to
all places where Collateral may be located and to all premises occupied by
Debtor.

6. SECURITIES

If Collateral at any time includes Securities, Debtor
authorizes RBC to transfer the same or any part thereof into its own name or
that of its nominee(s) so that RBC or its nominee(s) may appear of record as the
sole owner thereof, provided that, until default, RBC shall deliver promptly to
Debtor all notices or other communications received by it or its nominee(s) as
such registered owner and upon demand and receipt of payment of any necessary
expenses thereof, shall issue to Debtor or its order a proxy to vote and take
action with respect to such Securities. After default, Debtor waives a rights to
receive any notices or communications received by RBC or to nominee(s) as such
registered Owner and agrees that no proxy issued by RBC to Debtor or its order
as aforesaid shall thereafter be effective.

7. COLLECTION OF DEBTS

Before or after default under this Security Agreement. RBC
may notify all or any Account Debtors of the Security Interest and may also
direct such Account Debtors to make all payments on Collateral to RBC. Debtor
acknowledges that any payments on or other proceeds of Collateral received by
Debtor from Account Debtors whether before or after notification of this
Security Interest to Account Debtors and whether before or after default under
this Security Agreement, shall be received and held by Debtor in trust for RBC
and shall be turned over to RBC upon request.

8. INCOME FROM AND INTEREST ON COLLATERAL

(a) Until default, Debtor reserves the right to receive any
Money constituting income from or interest on Collateral and RBC receives any
such Money prior to default. RBC shall either credit the same against the
indebtedness or pay the same promptly to Debtor.

(b) After default, Debtor will not request or receive any
Money constituting income from or interest on Collateral and if Debtor receives
any such Money without any request by it, Debtor will pay the same promptly to
RBC

9. INCREASES, PROFITS, PAYMENTS OR DISTRIBUTIONS

(a) Whether or not default has occurred, Debtor
authorizes RBC;

(i) to receive any Increase in or profits on
            Collateral (other than Money) and to hold the same as part of
            Collateral. Money so received shall be treated as income for the
            purposes of Clause 8 hereof and dealt with accordingly;

            

            (ii) to receive any payment or distribution upon
            redemption or retirement or upon dissolution and liquidation of the
            issuer of Collateral: to surrender such Collateral in exchange
            therefore and to hold any such payment or distribution as part of
            Collateral.

            

  

(b) If Debtor receives any such increase or profits (other
than Money) or payments or distributions, Debtor will deliver the same promptly
to RBC to be held by RBC as herein provided.

10. DISPOSITION OF MONEY

Subject to any applicable requirements of the P.P.S.A., all
Money collected or received by RBC pursuant to or in exercise of any right it
possesses with respect to Collateral shall be applied on account of Indebtedness
in such manner as RBC deems best or, at the option of RBC, may be held
unappropriated in a collateral account or released to Debtor, all without
prejudice to the liability of Debtor or the rights of RBC hereunder, and any
surplus shall be accounted for as required by law.

11. EVENTS OF DEFAULT

The happening of any of the following events or conditions
shall constitute default hereunder which is herein referred to as "default":

        (a) the nonpayment when due, whether by acceleration or
otherwise of any principal or Interest forming part of Indebtedness or the
failure of Debtor to observe or perform any obligation, covenant, term,
provision or condition contained in the Security Agreement or any other
agreement between Debtor and RBC;

        (b) the death of or a declaration of Incompetency by a court
of competent jurisdiction with respect to Debtor, if an individual;

        (c) the bankruptcy or Insolvency of Debtor: the filing
against Debtor of a petition in bankruptcy; the making of an assignment for the
benefit of creditors by Debtor' the appointment of a receiver or trustee for
Debtor or for any assets of Debtor or the Institution by or against Debtor of
any other type of insolvency proceeding under the Bankruptcy Act or otherwise;

        (d) the institution by or against Debtor of any formal or
informal proceeding for the dissolution or liquidation of, settlement of claims
against or winding up of affairs of Debtor;

        (e) if any Encumbrance affecting Collateral becomes
enforceable against Collateral;

        (f) it Debtor ceases or threatens to cease to carry on
business or makes or agrees to make a bulk sale of assets without complying with
applicable law or commits or threatens to commit an act of bankruptcy;

        (g) if any execution, sequestration. extent or other process
of any court becomes enforceable against Debtor or if distress or analogous
process is levied upon the assets of Debtor or any part thereof;

        (h) if any certificate, statement, representation, warranty
or audit report heretofore or hereafter furnished by or on behalf of Debtor
pursuant to or in connection with this Security Agreement, or otherwise
(including, without limitation, the representations and warranties contained
herein) or as an inducement to RBC to extend any credit to or to enter into this
or any other agreement with Debtor, proves to have been false in any material
respect at the time as of which the facts therein set forth were stated or
certified, or proves to have omitted any substantial contingent or unliquidated
liability or claim against Debtor-, or if upon the date of execution of this
Security Agreement, there shall have been any material adverse change in any of
the facts disclosed by any Such certificate, representation, statement, warranty
or audit report, which change shall not have been disclosed to RBC at or prior
to the time of such execution.

12. ACCELERATION

        RBC, in its sole discretion, may declare all or any part of
Indebtedness which is not by its terms payable on demand to be immediately due
and payable, without demand or notice of any kind, in the event of default, or
if RBC considers itself Insecure or that the Collateral Is in jeopardy. The
provisions of this clause are not intended in any way to affect any rights of
RBC with respect to any Indebtedness which may now or hereafter be payable on
demand.

13. REMEDIES

        (a) Upon default, RBC may appoint or reappoint by instrument
in writing. any person or persons, whether an officer or officers or an employee
or employees of RBC, or not, to be a receiver or receivers (hereinafter called a
"Receiver", which term when used herein shall include a receiver and manager) of
Collateral (including any interest, income or profits therefrom) and may remove
any Receiver so appointed and appoint either in his/her stead. Any such Receiver
shall. so far as concerns responsibility for his/hear acts, be deemed the agent
of Debtor and not RBC, and RBC shall not be In any way responsible for any
misconduct negligence or non-feasance on the part of any such Receiver, his/her
servants, agents or employees. Subject to the provisions of the instrument
appointing him/her, any such Receiver shall have power to take possession or
Collateral, to preserve Collateral or its value to carry on or concur in
carrying on all or any part of the business of Debtor and to sell, lease,
license or otherwise dispose of or concur in selling, leasing, licensing or
otherwise disposing of Collateral. To facilitate the foregoing powers. any such
Receiver may. to the exclusion of all others, including Debtor, enter upon, use
and occupy all premises owned or occupied by Debtor wherein Collateral may be
situate, maintain Collateral upon such premises borrow money on a secured or
unsecured basis and use Collateral directly in carrying on Debtors business or
as security for loans or advances to enable the Receiver to carry on Debtors
business or otherwise, as such Receiver shall, in its discretion, determine.
Except as may be otherwise directed by RBC, all Money received from time to time
by such Receiver in carrying out his/her appointment shall be received in trust
for and paid over to RBC. Every such Receiver may, in the discretion of RBC, be
vested with all or any of the rights and powers of RBC.

        (b) Upon default, RBC may, either directly or through its
agents or nominees, exorcise any or all of the powers arid rights given to a
Receiver by virtue of the foregoing sub-clause (a).

        (c) RBC may take possession of, collect, demand, sue on,
enforce, recover and receive Collateral and give valid and binding receipts and
discharges therefor and in respect thereof and, upon default. RBC may sell,
license, lease or otherwise dispose of Collateral in such manner, at such time
or times and place or places, for such consideration and upon such terms and
conditions as to RBC may seem reasonable.

        (d) In addition to those rights granted herein and in any
other agreement now or hereafter in effect between Debtor and RBC and in
addition to any other rights RBC may have at law or in equity, RBC shall have,
both before and after default, all rights and remedies of a secured party under
the P.P.S.A. Provided always, that RBC shall not be liable or accountable for
any failure to exercise its remedies, take possession of, collect enforce,
resize, sell, lease, license or otherwise dispose of Collateral or to institute
any proceedings for such purposes. Furthermore, RBC shall have no obligation to
take any steps to preserve rights against prior parties to any Instrument or
Chattel Paper whether Collateral or proceeds and whether or not in RBC s
possession and shall not be liable or accountable for failure to do so.

        (e) Debtor acknowledges that RBC or any Receiver appointed by
it may take possession of Collateral wherever it may be located and by any
method permitted by law and Debtor agrees upon request from RBC or any such
Receiver to assemble and deliver possession of Collateral at such place or paces
as directed.

        (f) Debtor agrees to be liable for an to pay all costs,
charges and expenses reasonably incurred by RBC or any Receiver; appointed by it
whether directly or for services rendered (including reasonable solicitors and
auditors cots and other legal expenses and Receiver remuneration) in operating
Debtor's accounts, in preparing or enforcing this Security Agreement, taking and
maintaining custody or, preserving, repairing, processing. preparing for
disposition and disposing of Collateral and enforcing or collecting indebtedness
and all such costs, charges and expenses together with any amounts owing as a
result of any borrowing by RBC or any Receiver appointed by it, as 
permitted hereby shall be a first charge on the proceeds of realization,
collection or disposition of Collateral and shall be secured hereby.

        (g) RBC will give Debtor such notice, if any, of the date,
dime and place of any public sale or of the date after which any private
disposition of Collateral is to be made as may be required by the P.P.S.A.

        (h) Upon default an receiving written demand from RBC, Debtor
shall take such further action as may be necessary to evidence and effect an
assignment or licensing of Intellectual Property to whomever RBC directs,
including to RBC. Debtor appoints any officer or director or branch manager of
RBC upon default to be its attorney in accordance with applicable legislation
with full power of substitution and to do so on Debtor's behalf anything that is
required to assign, license or transfer, and to record any assignment, license
or transfer, and to record any assignment, license or transfer of the
Collateral. This power of attorney which is coupled with an interest, is
irrevocable until the release or discharge of the Security Interest.

14. MISCELLANEOUS

        (a) Debtor hereby authorizes RBC to file such financing
statements, financing change statements and other documents and do such acts.
matters and things (including completing and adding schedules hereto identifying
Collateral or any permitted Encumbrances affecting Collateral or identifying the
locations at which Debtor's business is carried on and Collateral and records
relating thereto are situate) as RBC may deem appropriate to perfect on an
ongoing basis and continue the Security Interest, to protect and preserve
Collateral and to realize upon the Security Interest and Debtor hereby
irrevocably constitutes and appoints the Manager or Acting Manager from time to
time of the herein mentioned branch of RBC the true and lawful attorney of
Debtor, with full power of substitution, to do any of the foregoing in the name
of Debtor whenever and wherever it may be deemed necessary or expedient.

        (b) Without limiting any other right of RBC, whenever
indebtedness is immediately due and payable or RBC has the right to declare
indebtedness to be immediately due and payable (whether or not it has so
declared), RBC may, in its sole discretion, set o ff against indebtedness any
and all amounts then owed to Debtor by RBC in any capacity, whether or not due,
and RBC shall be deemed to have exercised such right to set off immediately at
the time of making its decision to do so even though any charge therefore is
made or entered on RBC's records subsequent thereto.

        (c) Upon Debtor's failure to perform any of its duties
hereunder, RBC may, but shall not be obligated to, perform any or all of such
duties, and Debtor shall pay to RBC, forthwith upon written demand therefor, an
amount equal to the expense incurred by RBC in so doing plus interest thereon
from the date such expense is incurred until it is paid at the rate of 15% per
annum.

        (d) RBC may grant extensions of time and other indulgences,
take and give up security, accept compositions, compound, compromise, settle,
grant releases and discharges and otherwise deal with Debtor, debtors of Debtor,
sureties and others and with Collateral and other security as RBC may see fit
without prejudice to the liability of Debtor or RBC's right to hold and realize
the Security Interest. Furthermore, RBC may demand, collect and sue on
Collateral in either Debtor's or RBC's name, at RBC's option, and may endorse
Debtor's name on any and all cheques, commercial paper, and any other
instruments pertaining to or constituting Collateral.

        (e) No delay or omission by RBC in exercising any right or
remedy hereunder or with respect to any indebtedness shall operate as a waiver
thereof or of any other right or remedy, and no single or partial exercise
thereof shall preclude any other or further exercise thereof or the exercise of
any other right or remedy. Furthermore, RBC may remedy any default by Debtor
hereunder or with respect to any indebtedness in any reasonable manner without
waiving the default remedied and without waiving any other prior or subsequent
default by Debtor. All rights and remedies of RBC granted or recognized herein
are cumulative and may be exercised at any time and from time to time
independently or in remedies of RBC granted or recognized herein are cumulative
and may be exercised at any time and from time to time independently or in
remedies of RBC granted or recognized herein are cumulative and may be exercised
at any time and from time to time independently or in combination.

        (f) Debtor waives protest of any instrument constituting
Collateral at any time held by RBC on which Debtor is in any way liable and
subject to Clause 13(g) hereof, notice of any other action taken by RBC

        (g) This Security Agreement shall enure to the benefit of and
be binding upon the parties hereto and their respective heirs, executors,
administrators, successors, and assigns. In any action brought by an assignee of
this Security Agreement and the Security Interest or any part thereof to enforce
any rights hereunder Debtor shall not assert against the assignee any claim or
defense which Debtor now has or hereafter may nave against RBC. If more
than one Debtor executes this Security Agreement the obligations of such Debtors
hereunder shall be joint and several. 

        (h) Save for any schedules which may be added hereto pursuant
to the provisions hereof, no modification, variation or amendment of any
provision of this Security Agreement shall be made except by a written
agreement, executed by the parties hereto and no waiver of any provision hereof
shall be effective unless in writing.

        (i) Subject to the requirements of Clauses 13(g) and 14(j)
hereof, whenever either party hereto is required or entitled to notify or direct
the other such notice, direction, demand or request shall be in writing and
shall be sufficiently given, in the case of RBC, if delivered to it or sent by
prepaid registered mail addressed to it at its address herein set forth or as
changed pursuant hereto, and in the case of Debtor, if delivered to it or if
sent by prepaid registered mail addressed to it at its last address known to RBC.
Either party may notify the other pursuant hereto of any change in such party's
principal address to be used for the purposes hereof.

        (j) This Security Agreement and the security afforded hereby
is in addition to and not in substitution for any other security now or
hereafter held by RBC and is intended to be a continuing Security Agreement and
shall remain in full force and effect until the Manager or Acting Manager from
time to time of the herein mentioned branch of RBC shall actually receive
written notice of its discontinuance, and notwithstanding such notice, shall
remain in full force and effect thereafter until all indebtedness contracted for
or created before the receipt of such notice by RBC, and any extensions or
renewals thereof (whether made before or after receipt of such notice) together
with interest accruing thereon after such notice, shall be paid in full.

        (k) The headings used in this Security Agreement are for
convenience only and are not to be considered a part of this Security Agreement
and do not in any way limit or amplify the terms and provisions of this Security
Agreement.

        (l) When the context so requires, the singular number shall
be read as if the plural were expressed and the provisions hereof shall be read
with and grammatical changes necessary dependent upon the person referred to
being a male, female, firm or corporation.

        (m) In the event any provisions of this Security Agreement,
as amended from time to time, shall be deemed invalid or void, in whole or in
part, by any Court of competent jurisdiction, the remaining terms and provisions
of this Security Agreement shall remain in full force and effect.

        (n) Nothing herein contained shall in any way obligate RBC to
grant, continue, renew, extend time for payment of or accept anything which
constitutes or would constitute indebtedness.

        (o) The Security Interest created hereby is intended to
attach when this Security Agreement is assigned by Debtor and delivered to RBC.

        (p) Debtor acknowledges and agrees that in the event it
amalgamates with any other company or companies it is the intention of the
parties hereto that the term "Debtor" when used herein shall apply to each of
the amalgamating companies and to the amalgamated company, such that the
Security Interest granted hereby

(i) shall extend to "Collateral" (as that term is herein
defined) owned by each of the amalgamating companies and the amalgamated company
at the time of amalgamation and to any "Collateral" thereafter owned or acquired
by the amalgamated company, and

(ii) shall secure the "indebtedness" (as that term is herein
defined) of each of the amalgamating companies and the amalgamated company to RBC at the time of amalgamation and any
"indebtedness" of the amalgamated
company to RBC thereafter arising. The Security Interest shall attach to
"Collateral" owned by each company amalgamating with Debtor, and by the
amalgamated company, at the time of the amalgamation, and shall attach to any
"Collateral" thereafter owned or acquired by the amalgamated company when such
becomes owned or is acquired.

(q) In the event that Debtor is a body corporate, it is
hereby agreed that The Limitation of Civil Rights Act of the Province of
Saskatchewan, or any provision thereof, shall have no application to this
Security Agreement or any agreement or instrument renewing or extending or
collateral to this Security Agreement. In the event that Debtor is an
agricultural corporation within the meaning of The Saskatchewan Farm Security
Act, Debtor agrees with RBC that all of Part IV (other than Section 46) of that
Act shall not apply to Debtor.

(r) This Security Agreement and the transactions evidenced
hereby shall be governed by and construed in accordance with the laws of the
province in which the herein mentioned branch of RBC is located, as those laws
may from time to time be in effect, including, where applicable, the P.P.S.A.

15. COPY OF AGREEMENT

        (a) Debtor hereby acknowledges receipt of a copy of this Security Agreement.

        (b) Debtor waives Debtor's right to receive a copy of any financing statement
or financing change statement registered by RBC, or of any verification
statement with respect to any financing statement or financing change statement
registered by RBC. (Applies in all PPSA provinces except Ontario.)

16. Debtor represents and warrants that the following information is
accurate:

INDIVIDUAL DEBTOR

	SURNAME (LAST NAME)	FIRST NAME	SECOND
    NAME	BIRTH DATE
	ADDRESS OF
    INDIVIDUAL DEBTOR	CITY	PROVINCE	POSTAL CODE
	SURNAME (LAST NAME)	FIRST NAME	SECOND
    NAME	BIRTH DATE
	ADDRESS OF
    INDIVIDUAL DEBTOR	CITY	PROVINCE	POSTAL CODE

BUSINESS DEBTOR

	NAME OF BUSINESS
    DEBTOR
	ADDRESS OF BUSINESS
    DEBTOR	CITY	PROVINCE	POSTAL CODE

TRADE NAME (IF APPLICABLE)

	trade name of debtor
	principal address
    (if different from above)	city	province	postal code

IN WITNESS WHEREOF Debtor has executed this Security Agreement this
____________________ day of ___________________________________________

 

_____________________________________ ____________________________________

WITNESS

 

 

_____________________________________ ____________________________________

WITNESS

 

	BRANCH ADDRESSReal Estate Lease

EXHIBIT 10.6

REAL ESTATE LEASE

This Lease Agreement (this "Lease") is made effective as of November 1, 1999,
by and between East Washington Partnership ("Landlord"), and Ideal Accents,
Inc. ("Tenant"). The parties agree as follows:

PREMISES. Landlord, in consideration of the lease payments provided in this
Lease, leases to Tenant the land, building and building improvements (the
"Premises") located at 10200 West Eight Mile Road, Ferndale, Michigan 48220.

PARKING. Tenant shall be entitled to use all existing parking space(s) for
the parking of the Tenant's customers'/guests' motor vehicle(s).

STORAGE. Tenant shall be entitled to store items of personal property in and
about the Premises during the terms of this Lease. Landlord shall not be liable
for loss of, or damage to, such stored items.

TERM. The tease term will begin on November 1. 1999 and will terminate on
October 31, 2014.

HOLDOVER. If Tenant maintains possession of the Premises for any period after
the termination of this Lease ("Holdover Period"), Tenant shall pay to Landlord
a lease payment for the Holdover Period based on the terms of the following
Lease Payments paragraph. Such holdover shall constitute a month to month
extension of this Lease.

LEASE PAYMENTS. Tenant shall pay to Landlord a total annual lease payment of
$90,300.00, payable in advance, in installments of $7,525.00 per month on the
first day of each month. Lease payments shall be made to the Landlord at P. 0.
Box 1385, Waukesha, Wisconsin 53187-1385, as may be changed front time to time
by Landlord.

LATE PAYMENTS. Tenant shall pay a late charge equal to $250.00 for each
payment that is not paid within ten (10) day(s) after the due date for such late
payment.

NON-SUFFICIENT FUNDS. Tenant shall be charged $35.00 for each check that is
returned to Landlord for lack of sufficient funds.

POSSESSION. Tenant shall be entitled to possession on the first day of the
term of this Lease, and shall yield possession to Landlord on the last day of
the term of this Lease, unless otherwise agreed by both parties in writing.

REMODELING OR STRUCTURAL IMPROVEMENTS. Tenant shall have the obligation to
conduct any construction or remodeling (at Tenant's expense) that may be
required to use the Premises as specified above. Tenant may also construct such
fixtures on the Premises (at Tenant's expense) that appropriately facilitate its
use for such purposes. Such construction shall be undertaken and such fixtures
may be erected only with the prior written consent of the Landlord which shall
not be unreasonably withheld. At the end of the lease term, Tenant shall be
permitted to remove (or at the request of Landlord shall remove) such fixtures,
and shall restore the Premises to substantially the same condition of the
Premises at the commencement of this Lease.

MAINTENANCE. Tenant's obligation for maintenance shall include:

            - the
roof, outside walls, and other structural parts of the building

            - the parking
lot, driveways. and sidewalks including snow and ice removal

            - the sewer,
water pipes, and other matters related to plumbing

            - the
electrical wiring

            - the air
conditioning system

            - the heating
system

            - all other
items of maintenance not specifically delegated to Landlord under this Lease.

ACCESS BY LANDLORD TO PREMISES. Subject to Tenant's consent (which shall not
be unreasonably withheld). Landlord shall have the right to enter the Premises
to make inspections, provide necessary services. or show the unit to prospective
buyers, mortgagees, tenants or workers. As provided by law, in the case of an
emergency, Landlord may enter the Premises without Tenant's consent.

UTILITIES AND SERVICE& Tenant shall be responsible for the following
utilities and services in connection with the Premises:

            -
electricity

            - water and
sewer

            - gas

            - heating

            - garbage and
trash disposal

            - janitorial
services

            - telephone
service

            - any other
services and/ or utilities required for the conduct of Tenant's business

Tenant acknowledges that Landlord has fully explained to Tenant the utility
rates, charges and services for which Tenant will be required to pay (if any),
other than those to be paid directly to the utility company furnishing the
service.

PROPERTY INSURANCE. Tenant shall maintain casualty insurance on the Premises
in an amount equal to 100.00% of the full replacement value. Landlord shall be
named as an insured in such policies. Tenant shall deliver appropriate evidence
to Landlord as proof that adequate insurance is in force~ Landlord shall have
the right to require that the Landlord receive notice of any termination of such
insurance policies. Tenant shall also maintain any other Insurance which
Landlord may reasonably require for the protection of Landlord's interest in the
Premises.

LIABILITY INSURANCE. Tenant shall maintain liability insurance in total
aggregate sum of at least $2,000,000.00. Tenant shall deliver appropriate
evidence to Landlord as proof that adequate insurance is in force. Landlord
shall have the right to require that the Landlord receive notice of any
termination of such insurance policies.

INDEMNITY REGARDING USE OF PREMISES. Tenant agrees to indemnify, hold
harmless, and defend Landlord from and against any and all losses, claims,
liabilities, and expenses, including reasonable attorney fees, if any, which
Landlord may suffer or incur in connection with Tenant's use of the Premises.

DANGEROUS MATERIALS. Tenant shall not keep or have on the Premises any
article or thing of a dangerous, inflammable, or explosive character that might
substantially increase the danger of fire on the Premises, or that might be
considered hazardous by a responsible insurance company, unless the prior
written consent of Landlord is obtained and proof of adequate insurance
protection is provided by Tenant to Landlord.

TAXES. Taxes attributable to the Premises or the use of the Premises shall be
allocated as follows:

Real Estate Taxes - Tenant shall pay all real estate taxes and
    assessments for the Premises.

    Personal Taxes - Tenant shall pay all personal taxes and any other
    charges which may be levied against the Premises and which are attributable
    to Tenant's use of the Premises.

  

DESTRUCTION OR CONDEMNATION OF PREMISES. If the Premises are partially
destroyed in a manner that prevents the conducting of Tenant's use of the
Premises in a normal manner, and if the damage is reasonably repairable within
sixty days after the occurrence of the destruction, and if the cost of repair is
less than $20,000.00, Landlord shall repair the Premises and lease payments
shall abate during the period of the repair. However, if the damage is not
repairable within. sixty days, or if the cost of repair is $20,000.00 or more,
or if Landlord is prevented from repairing the damage by forces beyond
Landlord's control, or if the property is condemned, this Lease shall terminate
upon twenty days written notice of such event or condition. by either party.

MECHANICS LIENS. Neither the Tenant nor anyone claiming through the Tenant
shall have the right to file mechanics liens or any other lend of lien on the
Premises and the filing of this Lease constitutes notice that such liens are
invalid. However, Tenant agrees to give actual advance notice to any
contractors, subcontractors or suppliers of goods, labor, or services that such
liens wilt not be valid.

DEFAULTS. Tenant shall be in default of this Lease. if Tenant falls to follow
any lease obligation or term by which Tenant is bound. Subject to any governing
provisions of law to the contrary, if Tenant falls to cure any financial
obligation within twenty one day(s) (or any other obligation within thirty day(s))
after written notice of such default is provided by Landlord to Tenant, Landlord
may take possession of the Premises without further notice, and without
prejudicing Landlord's rights to damages. In the alternative, Landlord may elect
to cure any default and the cost of such action shall be added to Tenant's
annual obligations under this Lease. Tenant shall pay all costs, damages, and
expenses suffered by Landlord by reason of Tenant's defaults.

ARBITRATION. Any controversy or claim relating to this contract, including
the construction or application of this contract, will be settled by binding
arbitration under the rules of the American Arbitration Association, and any
judgment granted by the arbitrator(s) may be enforced in any court of proper
jurisdiction.

ASSIGNABILITY/SUBLETTING. Tenant may not assign or sublease any interest in
the Premises without the prior written consent of Landlord, which shall not be
unreasonably withheld.

NOTICE.  Notices under this Lease shall not be deemed valid unless given
or served in writing and forwarded by mall, postage prepaid. addressed as
follows:

LANDLORD:

East Washington Partnership

        W229 N2573 Duplainville Road

        P. O. Box 1335

        Waukesha, Wisconsin 53187-1385

      
    
  

TENANT:

Ideal Accents. Inc.

        10200 West Eight Mile Road

        Ferndale, Michigan 48220

      
    
  

Such addresses may be changed from time to time by either party by providing
notice as set forth above.

ENTIRE AGREEMENT/AMENDMENT. This Lease Agreement contains the entire
agreement of the parties and there are no other promises or conditions in any
other agreement whether oral or written. This Lease may be modified or amended
in writing, if the writing is signed by the party obligated under the amendment.

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

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

CUMULATIVE RIGHTS. The rights of the parties under this Lease are cumulative,
and shall not be construed as exclusive unless otherwise required by law.

GOVERNING LAW. This Lease shall be construed in accordance with the laws of
the state of Michigan.

SUBORDINATION OF LEASE This Lease is subordinate to any mortgage that now
exists, or may be given later by Landlord, with respect to the Premises.

ADDITIONAL PROVISIONS It is the intent this Lease be a Net/Net/Net Lease as
commonly understood.

The rent schedule for the Premises is as follows:

November 1, 1999 to October 31, 2002 @ $7,525.00 per month

November 1, 2002 to October 31, 2005 @ $8,100.00 per month

November 1, 2005 to October 31, 2008 @ $8,725.00 per month

November 1, 2008 to October 31, 2011 @ $9,400.00 per month

November 1, 2011 to October 31, 2014 @~$l0,125.00 per month.

Tenant is granted option to purchase Premises at any tine after August 1,
2000 based on the following net purchase price schedule:

August 1, 2000 to October 31. 2002 @ $835,000.00

November 1, 2002 to October 31, 2005 @ $925,000.00

November 1, 2005 to October 31, 2003 @ $1,025,000.00

November 1, 2005 to October 31, 2011 @$1,135,000.00

November 1, 2Q11 to October 31, 2014 @ $l,260.000.00.

Tenant further understands that Tenant will be responsible for any loan
pre-payment penalty imposed by the Landlord's bank.

LANDLORD:

East Washington Partnership

          /s/ John W. Theisen                          
          

          John W. Theisen

          General Partner

        
      
    
  

TENANT:

Ideal Accents, Inc.

          /s/ Joseph O'Connor                           
          

          Joseph O'Connor

          President

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