Certain terms used in this Annual Report, such as "we," "us" and "our" and words of similar import refer to Spearhead Limited, Inc., formerly known as Total First Aid, Inc., and First Aid Direct, Inc., a Florida corporation, including its operating subsidiaries. Incorporating by reference is Item 6. Management discussion and analysis or plan of operation.

Unless otherwise specifically set forth to the contrary, all dollar amounts in this Annual Report refer to United States Dollars.