Amendment 1 EXCLUSIVE PATENT LICENSE AGREEMENT

                                                                    EXHIBIT 10.5





                                   Amendment 1

                       EXCLUSIVE PATENT LICENSE AGREEMENT

                                      Waver

                                      from

                                XXXXXXXX XXXXXXX
                                  ("Licensor")

                                       to


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

                          Dated as of February 9, 2005


Xxxxxxxx  Xxxxxxx wave his rights from the exclusive  patent license  agreement,
dated as of July 13, 2000 for his rights to receive  royalties and agrees to the
change of control of Licensee.




La Jolla, February 9, 2005



/s/ Xxxxxxxx Xxxxxxx
--------------------------
Xxxxxxxx Xxxxxxx