Exhibit 10.4 CYBERBANK CORP. 18TH Floor Mirae Bldg., 1306-6 Seucho-dong, Seocho-gu, Seoul, Korea 137-855 Tel: 02-3483-4500 Fax: 02-3483-4600 PC-Ephone Inc. 5375 Mira Sorrento Place, Suite 290 San Diego, California 92121 Attention: Mr. David Meltzer /...

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