SERVICES AGREEMENT

THIS AGREEMENT effective as of the ____ day of ___________, 2000 by and between:

EL MORO  FINANCE  LTD.,  a company  incorporated  under the laws of the  British
Virgin Islands,  with a registered address at Pasea Estate, Road Town, Torotola,
B.V.I., ("El Moro"); and

CYBEROAD.COM CORPORATION,  a company incorporated under the laws of the State of
Florida,  with its head office at Oficentro Sabana Sur,  Edificio 7, 5 Piso, San
Jose, Costa Rica, ("Cyberoad")

NATURE OF AGREEMENT

WHEREAS

A.       El Moro  has  expressed  a  desire  to  provide  to  Cyberoad  services
         described herein, and including but not limited to software development
         and marketing, web development,  network systems administration,  human
         resources   administration,   consulting,   operation  and   management
         services.
B.
C.       Cyberoad,  a  technology,  software  development  and  internet  gaming
         company,  has  expressed a desire to retain El Moro for the purposes of
         providing  certain  services  described  herein,  and including but not
         limited to software development and marketing, web development, network
         systems  administration,  human resources  administration,  consulting,
         operation and management services.

NOW THEREFORE  this  Agreement  witnesses  that in  consideration  of the mutual
terms,  covenants and provisions herein  contained,  the parties hereto agree as
follows:

1.       SERVICES

         Subject to the terms,  convenants and provisions  contained  herein, El
         Moro hereby agrees to provide to Cyberoad, and to its subsidiaries,  in
         whole or in part,  joint venture  partners,  merchants and clients,  as
         Cyberoad so shall request in writing, from time to time, those services
         specified  above and  described  more fully in  Schedule  "A"  attached
         hereto, (the "Services").

2.       FEES & PAYMENT TERMS

         The service  fees and payment  terms shall be those  outlined,  but not
         limited  to,  those in Schedule  "B"  attached  hereto.  These fees are
         subject to being adjusted throughout the normal course of business, and
         El Moro agrees herein that Cyberoad and its clients will always receive
         the lowest preferred rate offered.

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3.       TERMS OF AGREEMENT

A)                This  Agreement  is  effective  as of the date  first  written
                  above,  for a period of 1 year,  unless earlier  terminated in
                  accordance with the terms of this Agreement.

B)                This Agreement shall be  automatically  renewed for successive
                  renewal  periods of one year each, on each  anniversary of the
                  effective date of this Agreement.  The terms of this Agreement
                  shall remain in full force and effect as long as it is renewed
                  annually.  All provisions of this  Agreement  shall apply both
                  for the initial  one-year  term of this  Agreement and for all
                  subsequent extensions.

C)                Both  parties  hereto  may  terminate  this  Agreement   after
                  providing 30 days  written  notice or for breach of any of the
                  terms contained herein.

4.       GENERAL

A)            Independent  Contractor.  It is  expressly  agreed that El Moro is
              ------------------------
              acting as an  independent  contractor in  performing  its services
              hereunder.  No act of the parties  hereto  shall be  construed  as
              creating  or   establishing  a   partnership,   joint  venture  or
              association  of any type between them.  Neither party hereto,  not
              their respective directors,  officers,  employees,  consultants or
              agents shall hold themselves out as such of the other party.

B)            Entire Agreement. Except as specifically provided for herein, this
              -----------------
              Agreement contains the entire and only Agreement and understanding
              between the parties, relating to this specific subject matter, and
              supercedes  all   proposals,   written  or  oral,  and  all  other
              communications  between the parties hereto. This Agreement may not
              be modified except in writing, signed by both parties hereto.


C)            Notice.  Any notice  required  herein shall be deemed to have been
              -------
              properly  given 48 hours after being sent to the address of record
              for the other party,  by fax,  email,  mail or commercial  courier
              service. The addresses for such notice shall be:

                                    El Moro Finance Ltd.
                                    Pasea Estate, Road Town
                                    Torotola, B.V.I.

                                    Cyberoad.com Corporation
                                    Oficentro Sabana Sur
                                    Edificio 7, 5 Piso
                                    San Jose, Costa Rica

D)            Governing  Law.  This Agreement shall be governed by and construed
              ---------------
              in accordance with the laws of the State of Florida, U.S.A.
<PAGE>

E)            Enurement.  This Agreement  shall be binding upon and enure to the
              ---------
              benefit of the parties hereto and their respective  successors and
              assigns.

F)            Assigns. This Agreement is not assignable by either party, without
              --------
              the written consent of the other party, which consent shall not be
              unreasonably withheld.

G)            Survivability.  In the event that any provision of this  Agreement
              --------------
              proves to be invalid,  void or illegal,  that  provision  shall be
              deemed  to be  severed  from this  Agreement,  and shall in no way
              affect,  impair or invalidate any other provision or the Agreement
              as a whole. All other  provisions  contained herein will remain in
              full force and effect.

EXECUTION IN COUNTERPART

This instrument may be signed in counterpart,  in as many counterparts as may be
necessary.  Each of which  shall bear the date first  written  above and each of
which shall be deemed to be an original, forming one and the same instrument.

IN WITNESS WHEREOF the parties hereto have caused this instrument to be executed
personally  or by their duly  authorized  officers  as of the day and year first
written above.

EL MORO FINANCE LTD.                                 CYBEROAD.COM CORPORATION

/s/ Kay-Linda Richardson                             /s/ John Coffey
------------------------                             --------------------------
Kay-Linda Richardson,                                John Coffey,
Director                                             President

/s/ Annetta Penn
------------------------
Annetta Penn
Director


<PAGE>



                                  SCHEDULE "A"


         The  services  described  herein,  include  but are not  limited to the
following:

         office space
         human resources services
         staff and administration
         furniture,   fixtures,  supplies  and  equipment
         software  development services
         marketing  services
         website  development services
         network systems administration
         data processing services
         office cleaning
         office security
         telecommunication services
         bandwith services
         cable services
         management and consulting services




<PAGE>



                                  SCHEDULE "B"

Fees for services described herein, include but are not limited to cost plus 10%
U.S. dollars,  and are due and payable from time to time at El Moro's discretion
upon 30 days written notice or annually, upon Cyberoad's year end reconciliation
and accounting.