EXHIBIT 10.4 ESCROW TRANSFER AGREEMENT ESCROW TRANSFER AGREEMENT (this "Agreement"), dated as of September 9, 2005, between EUROFORTUNE HOLDING, S.A., a Luxembourg company ("Buyer"), HEM MUTUAL ASSURANCE LLC, a Colorado limited liability company...Escrow Transfer Agreement • September 15th, 2005 • Heritage Worldwide Inc • Non-operating establishments • New York
