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Exclusive Patent License Agreement

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2005
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<FILENAME>v014719_ex10-4.txt
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                                                                     EXHBIT 10.4

                       EXCLUSIVE PATENT LICENSE AGREEMENT


                                 by and between

                                WOLFGANG GRABHER
                                  ("Licensor")

                                       and


           ADMINISTRATION FOR INTERNATIONAL CREDIT & INVESTMENT, INC.
                                  ("Licensee")

                            Dated as of July 13, 2000




<PAGE>


                                TABLE OF CONTENTS



1.  Definitions...............................................................1


2.  License Grants and Restrictions...........................................3


3.  Compensation..............................................................4


4.  Patent Prosecution........................................................5


5.  Infringement..............................................................6


6.  Representations and Warranties............................................6


7.  Indemnification...........................................................7


8.  Confidentiality...........................................................8


9.  Liability.................................................................9


10. Term and Termination......................................................9


11. General Provisions.......................................................11


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                       EXCLUSIVE PATENT LICENSE AGREEMENT

      THIS EXCLUSIVE PATENT LICENSE  AGREEMENT (this  "AGREEMENT") is made as of
July13,  2000 (the  "EFFECTIVE  DATE"),  between  Wolfgang  Grabher,  a Austrian
national  residing  in  Stuttgart  with an address  located at  Zettachring  2a,
D-70567 Stuttgart ("LICENSOR"),  and Administration For International Credit and
Investment,  Inc.,  an Oregon  corporation  with an address  located at 391 N.W.
179th Ave., Aloha,  Oregon 97006  ("LICENSEE")  (each a "PARTY" and together the
"PARTIES").

                                    RECITALS

      WHEREAS,  Licensor is the owner of certain Technology,  as defined herein;
and

      WHEREAS, Licensor is willing to license the Technology to Licensee for the
development  and  Use of the  Technology  in  the  Voice-Over-Internet  Protocol
("VOIP") market in those  jurisdictions where the Technology has been registered
upon the terms and subject to the conditions set forth in this Agreement.

      NOW,  THEREFORE,  in  consideration  of these  premises  and of the mutual
promises and conditions contained in this Agreement, Licensor and Licensee agree
as follows:

1. DEFINITIONS

      1.1  "AFFILIATE"  of a party shall mean an entity  directly or  indirectly
controlling, controlled by or under common control with that party where control
means the  ownership  or  control,  directly or  indirectly,  of more than fifty
percent  (50%) of all of the voting power of the shares (or other  securities or
rights)  entitled  to vote for the  election  of  directors  or other  governing
authority;  provided that such entity shall be considered an Affiliate  only for
the time during which such control exists.

      1.2 "CHANGE OF CONTROL"  shall mean the occurrence of any of the following
events:

            (a) Any  "person" or "group of  persons"  (as such terms are used in
      Sections  13(d)  and  14(d) of the  Securities  Exchange  Act of 1934,  as
      amended)  is or becomes the  "beneficial  owner" (as defined in Rule 13d-3
      under said Act),  directly or  indirectly,  of  securities  of the Company
      representing  50% or more of the total  voting  power  represented  by the
      Company's then-outstanding voting securities; or

            (b)  The   shareholders   of  the   Company   approve  a  merger  or
      consolidation  of the  Company  with any other  corporation,  other than a
      merger or consolidation  that would result in the voting securities of the
      Company  outstanding  immediately  prior  thereto  continuing to represent
      (either  by  remaining  outstanding  or by  being  converted  into  voting
      securities of the surviving entity) at least 50% of the total voting power
      represented  by the voting  securities  of the  Company or such  surviving
      entity outstanding immediately after such merger or consolidation,  or the
      shareholders of the Company approve a plan of complete  liquidation of the
      Company or an agreement for the sale or  disposition by the Company of all
      or substantially all of the Company's assets.

      1.3 "CONTRACT  QUARTER" shall mean each calendar quarter period (March 31,
June 30,  September 30 and December 31) following the Effective  Date during the
Term.

                                       1

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      1.4  "ENTITY"  shall mean any general  partnership,  limited  partnership,
limited liability company,  corporation,  joint venture,  trust, business trust,
cooperative  or   association,   or  any  foreign  trust  or  foreign   business
organization.

      1.5 "EXCLUSIVE  PERIOD" shall mean the period of time set forth in Section
2.1.

      1.6 "INTELLECTUAL PROPERTY RIGHT" and "INTELLECTUAL PROPERTY RIGHTS" shall
mean all  worldwide  right,  title and interest of a Person in, to and under any
and all: (a) United States or foreign  patents and pending  patent  applications
therefor,  including the right to file new and  additional  patent  applications
based   thereon,    including    provisionals,    divisionals,    continuations,
continuations-in-part,  reissues and  reexaminations;  (b)  copyrights;  and (c)
trade secrets,  know-how,  processes,  methods,  engineering  data and technical
information.

      1.7 "NET  RECEIPTS"  shall mean the gross amount  recognized  as income on
Licensee's  books  (pursuant  to  generally   accepted   accounting   principles
consistently  applied) in  connection  with the sale of a Product or  Processes,
less  deductions  for payment of sales,  value added or any similar  taxes,  and


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