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                                                                    EXHIBIT 10.2

                             TIME SHARING AGREEMENT

     This Agreement is made, effective as of January 19, 2001, by and between
Advance America Cash Advance Centers, Inc., a corporation organized under the
laws of the State of Delaware, with principal offices at 961 East Main Street,
Spartanburg, SC 29302 (hereinafter referred to as "Lessor"), and ESA Services,
Inc., with principal offices at 405 East Las Olas Blvd., Suite 11, Ft.
Lauderdale, FL 33301 (hereinafter referred to as "Lessee");

                                    RECITALS

     WHEREAS, Lessor is the owner of that certain civil Aircraft bearing the
United States Registration Number N543WW ("the Aircraft" or "Aircraft"), a 1980
Gates Learjet Model 35A, Manufacturer's Serial Number 332;

     WHEREAS, Lessor employs a fully qualified flight crew to operate the
Aircraft; and

     WHEREAS, Lessor and Lessee desire to lease said Aircraft with flight crew
on a non-exclusive time sharing basis as defined in Section 91.501 (c) (1) of
the Federal Aviation Regulations ("FAR");

     The parties agree as follows:

     1.   Lessor agrees to lease the Aircraft to Lessee pursuant to the
provisions of FAR 91.501 (c) (1) and to provide a fully qualified flight crew
for all operations. This Agreement shall commence on the date that it is signed
and continue for one year after said date. Thereafter, this Agreement shall be
automatically renewed on a month to month basis, unless sooner terminated by
either party as hereinafter provided. Either party may at any time terminate
this Agreement upon thirty (30) days written notice to the other party,
delivered personally or by certified mail, return receipt requested, at the
address for said other party as set forth above.
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     2.   Lessee shall pay Lessor for each flight conducted under this Agreement
the actual expenses of each specific flight as authorized by FAR Part 91.501
(d). These expenses include:

          (a)  Fuel, oil, lubricants, and other additives;

          (b)  Travel expenses of the crew, including food, lodging and ground
               transportation;

          (c)  Hangar and tie down costs away from the Aircraft's base of
               operation;

          (d)  Insurance obtained for the specific flight;

          (e)  Landing fees, airport taxes and similar assessments including,
               but not limited to IRC Section 4261 and related excise taxes;

          (f)  Customs, foreign permit, and similar fees directly related to the
               flight;

          (g)  In-flight food and beverages;

          (h)  Passenger ground transportation;

          (i)  Flight planning and weather contract services; and

          (j)  An additional charge not to exceed 100% of the expenses listed in
               subparagraph (a) of this paragraph.

     3.   Lessor will pay all expenses related to the operation of the Aircraft
when incurred, and will provide an invoice and bill Lessee for the expenses
enumerated in paragraph 2 above on the last day of the month in which any flight
or flights for the account of Lessee occur. Lessee shall pay Lessor for said
expenses within fifteen (15) days of receipt of the invoice and bill therefor.

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     4.   Lessee will provide Lessor with requests for flight time and proposed
flight schedules as far in advance of any given flight as possible, and in any
case, at least twenty-four (24) hours in advance of Lessee's planned departure.
Requests for flight time shall be in a form, whether written or oral, mutually
convenient to, and agreed upon by the parties. In addition to the proposed
schedules and flight times Lessee shall provide at least the following
information for each proposed flight at some time prior to scheduled departure
as required by the Lessor or Lessor's flight crew:

          (a)  proposed departure point;

          (b)  destination;

          (c)  date and time of flight;

          (d)  the number of anticipated passengers;

          (e)  the nature and extent of luggage and/or cargo to be carried;

          (f)  the date and time of return flight, if any; and

          (g)  any other information concerning the proposed flight that may be
               pertinent or required by Lessor or Lessor's flight crew.

     5.   Lessor shall have final authority over the scheduling of the Aircraft,
provided, however, that Lessor will use its best efforts to accommodate Lessee's
needs and to avoid conflicts in scheduling.

     6.   Lessor shall be solely responsible for securing maintenance,
preventive maintenance and required or otherwise necessary inspections on the
Aircraft, and shall take such requirements into account in scheduling the
Aircraft. No period of maintenance, preventative maintenance or inspection shall
be delayed or postponed for the purpose of scheduling the

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Aircraft, unless said maintenance or inspection can be safely conducted at a
later time in compliance with all applicable laws and regulations, and within
the sound discretion of the pilot in command. The pilot in command shall have
final and complete authority to cancel any flight for any reason or condition
which in his judgment would compromise the safety of the flight.

     7.  Lessor shall employ, pay for and provide to Lessee a qualified flight
crew for each flight undertaken under this Agreement.

     8.  In accordance with applicable Federal Aviation Regulations, the
qualified flight crew provided by Lessor will exercise all of its duties and
responsibilities in regard to the safety of each flight conducted hereunder.
Lessee specifically agrees that the flight crew, in its sole discretion, may
terminate any flight, refuse to commence any flight, or take other action which
in the considered judgment of the pilot in command in necessitated by
considerations of safety. No such action of the pilot in command shall create or
support any liability for loss, injury, damage or delay to Lessee or any other
person. The parties further agree that Lessor shall not be liable for delay or
failure to furnish the Aircraft and crew pursuant to this Agreement when such
failure is caused by government regulation or authority, mechanical difficulty,
war, civil commotion, strikes or labor disputes, weather conditions, or acts of
God.

     9.  At all times during the term of this Lease, Lessor shall cause to be
carried and maintained, at Lessor's cost and expense, physical damage insurance
with respect to the Aircraft in the amount set forth below:

         Aircraft Physical Damage    $2,900,000.00
         (No Deductible While
         In Motion or Not in Motion)

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<PAGE>

     At all times during the term of this Lease, Lessor shall also cause to be
carried and maintained, at Lessor's cost and expense, third party aircraft
liability insurance, passenger legal liability insurance, property damage
liability insurance, and medical expense insurance in the amounts set forth
below:

          Combined Liability Coverage for
          Bodily Injury and Property Damage
          Including Passengers -
          Each Occurrence                $100,000,000.00

          Medical Expense Coverage -
          Each Person                    $5,000.00

     Lessor shall also bear the cost of paying any deductible amount on any
policy of insurance in the event of a claim or loss.

     Any policies of insurance carried in accordance with this Lease:  (i) shall
name Lessee as an additional insured; and (ii) shall contain a waiver by the
underwriter thereof of any right of subrogation against Lessee.

     Lessor shall submit this Lease for approval to the insurance carrier for
each policy of insurance on the Aircraft.  Lessor shall arrange for a
Certificate of Insurance evidencing appropriate coverage as to the Aircraft and
the satisfaction of the requirements set forth above to be given by its
insurance carriers to Lessor.

     10.  Lessee warrants that:

          (a) It will use the Aircraft for and on account of its own business
only, and will not use the Aircraft for the purpose of providing transportation
of passengers or cargo in air commerce for compensation or hire;

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<PAGE>

          (b) it shall refrain from incurring any mechanics or other lien in
connection with inspection, preventative maintenance, maintenance or storage of
the Aircraft, whether permissible or impermissible under this Agreement, nor
shall there be any attempt by any party hereto to convey, mortgage, assign,
lease or any way alienate the Aircraft or create any kind of lien or security
interest involving the Aircraft or do anything or take any action that might
mature into such a lien; and

          (c) during the term of this Agreement, it will abide by and conform to
all such laws, governmental and airport orders, rules and regulations, as shall
from time to time be in effect relating in any way to the operation and use of
the Aircraft by a timesharing Lessee.

     11.  For purposes of this Agreement, the permanent base of operation of the
Aircraft shall be Spartanburg, SC.

     12.  Neither this Agreement nor any party's interest herein shall be
assignable to any other party whatsoever. This Agreement shall inure to the
benefit of and be binding upon the parties hereto, their heirs, representatives
and successors.

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<PAGE>

     13.  TRUTH IN LEASING STATEMENT

     THE AIRCRAFT, A 1980 LEARJET MODEL 35A, MANUFACTURER'S SERIAL NO. 332,
CURRENTLY REGISTERED WITH THE FEDERAL AVIATION ADMINISTRATION AS N543WW, HAS
BEEN MAINTAINED AND INSPECTED UNDER FAR PART 91 DURING THE 12 MONTH PERIOD
PRECEDING THE DATE OF THIS LEASE.

     THE AIRCRAFT WILL BE MAINTAINED AND INSPECTED UNDER FAR PART 91 FOR
OPERATIONS TO BE CONDUCTED UNDER THIS LEASE. DURING THE DURATION OF THIS LEASE,
ADVANCE AMERICA CASH ADVANCE CENTERS, INC., 961 EAST MAIN STREET, SPARTANBURG,
SC 29302, IS CONSIDERED RESPONSIBLE FOR OPERATIONAL CONTROL OF THE AIRCRAFT
UNDER THIS LEASE.

     AN EXPLANATION OF FACTORS BEARING ON OPERATIONAL CONTROL AND PERTINENT
FEDERAL AVIATION REGULATIONS CAN BE OBTAINED FROM THE NEAREST FAA FLIGHT
STANDARDS DISTRICT OFFICE.

     THE "INSTRUCTIONS FOR COMPLIANCE WITH TRUTH IN LEASING REQUIREMENTS"
ATTACHED HERETO ARE INCORPORATED HEREIN BY REFERENCE.

     I, THE UNDERSIGNED, WILLIAM M. WEBSTER IV, AS CEO OF ADVANCE AMERICA CASH
ADVANCE CENTERS, INC., 961 EAST MAIN STREET, SPARTANBURG SC 29302, CERTIFY THAT
IT IS RESPONSIBLE FOR OPERATIONAL CONTROL OF THE AIRCRAFT AND THAT I UNDERSTAND
THE RESPONSIBILITIES FOR COMPLIANCE WITH APPLICABLE FEDERAL AVIATION
REGULATIONS.

     IN WITNESS WHEREOF, the parties have executed this Agreement.


ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.

By: /s/ William M. Webster, IV                  1/19/01       11:00 am
    --------------------------             --------------------------------
    William M. Webster, IV, CEO               Date and Time of Execution



ESA SERVICES, INC.

By: /s/ George D. Johnson, Jr.                  1/19/01       11:00 am
    --------------------------             --------------------------------
    George D. Johnson, Jr. President          Date and Time of Execution

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