EXHIBIT 4.1 REAL ESTATE JOINT VENTURE AGREEMENT This JOINT VENTURE AGREEMENT made June 2, 2005, between: J. Holder, Inc., a New Jersey Corporation (hereinafter "J. Holder") and Groveland Estates, L.L.C., a Delaware corporation (hereinafter...Real Estate Joint Venture Agreement • June 22nd, 2005 • Velocity Asset Management Inc • Short-term business credit institutions • New Jersey
