<PAGE>

                               EXCHANGE AGREEMENT
                               ------------------

         EXCHANGE AGREEMENT, entered into and effective this 21st day of
January, 2003, by and between Currency Charting Corp. ("CCC"), a New York
corporation, and BIOFARM, INC. ("BIOF"), a Nevada corporation.

                                   BACKGROUND

         The Common Stock (par value $.001 per share) of BIOF is publicly traded
on the NASDAQ Bulletin board as the result of a Registration Statement declared
effective under the 1933 Act by the SEC in 1992. BIOF is current in all of its
required filings under the 1934 Act, is registered as a Business Development
Company under the 1940 Act, and is entering into the currency day trading
business through its wholly owned subsidiary Ideal 4X Corporation.

         Subject to all of the terms and conditions set forth in this Agreement,
below is the agreement of the parties relative to the consummation of the
following transactions:

         (a)  at the closing of the transactions contemplated herein
              ("Closing"), the issuance by BIOF of an aggregate of 2,300,000
              shares of BIOF Common Stock to the shareholders of CCC and the
              payment of Three Hundred Fifty Thousand Dollars ($350,000);

                                                                               1
<PAGE>

         (b)  at Closing, the delivery to BIOF by the shareholders of CCC of
              100% of the issued and outstanding shares of capital stock of CCC
              of whatever class; and,

         (c)  the filing by BIOF with the SEC under the 1934 Act of Form 10-KSB
              on or before January 29, 2003, satisfying the requirements thereof
              and of Form 8-K and attaching this Agreement as an Exhibit
              thereto, and (within sixty days thereafter) the filing of an Form
              8-K containing in compliance with Regulation S-X the required
              financial statements of CCC.

         NOW, THEREFORE, in consideration of the agreements, representations,
warranties and mutual covenants hereinafter set forth, and intending to be
legally bound hereby, the parties agree as follows:

         1.   Representations and Warranties:

              (a) Representations of BIOF. BIOF represents, warrants, covenants
                  and agrees as follows, all of which are true and correct in
                  all material respects as of the date hereof and will be true
                  and correct in all material respects as of the Closing Date
                  (as defined in Paragraph 3 hereof) with the same force and
                  effect as if then made:

                                                                               2
<PAGE>


                  (1) Corporate. BIOF is a corporation duly organized and
                      existing under Nevada law and is in good standing in the
                      State of Nevada, BIOF has all requisite power and
                      authority to conduct its business as it is now being
                      conducted and to own or use the properties and assets it
                      purports to own or use;

                  (2) Authority. The execution and delivery by BIOF of this
                      Agreement and each other agreement or instrument
                      contemplated by this Agreement, the performance by
                      BIOF of its covenants and obligations under this
                      Agreement, and the consummation by BIOF of the
                      transactions contemplated by this Agreement, have
                      been authorized by all necessary corporate action.
                      Assuming due execution and delivery, this Agreement
                      constitutes the valid and legally binding obligation
                      of BIOF and is enforceable in accordance with its
                      terms.

                  (3) No Violation. Neither the execution and delivery of
                      this Agreement, nor the consummation of the
                      transactions contemplated by this Agreement:

                      (A) violates any provisions of any of BIOF's
                          organizational documents;

                                                                               3
<PAGE>

                      (B) violates any statute, ordinance, law, writ,
                          injunction, ruling, regulation, order, judgment or
                          decree of any court or governmental agency or board
                          ("Laws") by which BIOF or any of its assets or
                          properties is bound, which violation could reasonably
                          be expected to have a material, adverse effect on the
                          financial position, results of operations or business
                          of BIOF; or

                      (C) conflicts with, violates, or will result in any breach
                          of (or give rise to any right of termination,
                          cancellation, modification, amendment, rescission,
                          refusal to perform or acceleration of) any of the
                          terms of, or constitute a default under, or result in
                          the creation of any lien pursuant to the terms of, any
                          note, bond, lease, mortgage, deed of trust, franchise,
                          guaranty, certificate of occupancy, indenture,
                          license, permit, contract or agreement ("Contracts")
                          or other instrument or obligation to which BIOF is a
                          party or by which BIOF's assets are encumbered and
                          which, individually or in the aggregate, could
                          reasonably be expected to have a material adverse
                          effect on the financial position, results of
                          operations or business of BIOF;

                                                                               4
<PAGE>


                  (4) Regarding Financial Statements. All of BIOF's audited
                      financial statements, including, but not limited to,
                      BIOF's audited consolidated balance sheet (including the
                      notes thereto), and the related audited consolidated
                      statement of income, changes in stockholders' equity and
                      cash flow for the two year fiscal period ended October 31,
                      2001 (the "BIOF Audited Financial Statements"), and all of
                      BIOF's unaudited financial statements for the fiscal
                      quarters ended January 31, April 30, and July 31, 2002
                      (the "BIOF Unaudited Financial Statements"), fairly
                      present, in all material respects, the financial condition
                      and the results of operations, changes in stockholders'
                      equity and cash flow of BIOF as of the respective dates
                      thereof and for the accounting periods referenced therein,
                      all in accordance with generally accepted accounting
                      principles and practices applied on a consistent basis,
                      and are collectively referred to herein as the "BIOF
                      Financial Statements."

                  (5) No Omissions. This Agreement and the information furnished
                      by BIOF, whether set forth in this Agreement or in any
                      filing made by BIOF under the 1934 Act, contains no untrue
                      statement of a material fact and does not omit to state a
                      material fact necessary to make the statements made not
                      misleading.

                                                                               5
<PAGE>


              (b) Representations of CCC. CCC represents, warrants, covenants
                  and agrees as follows, all of which are true and correct in
                  all material respects as of the date hereof and will be true
                  and correct in all material respects as of the Closing Date
                  with the same force and effect as if then made:

                  (1) Corporate. CCC is a corporation duly organized and
                      existing under New York law and is in good standing in the
                      State of New York. CCC has all requisite power and
                      authority to conduct its business as it is now being
                      conducted and to own or use the properties and assets it
                      purports to own and use, CCC is registered to do business
                      in all jurisdictions where the failure to obtain such
                      registration could reasonably be expected to result in a
                      material adverse effect on the financial position, results
                      of operations or business of CCC. CCC is in compliance
                      with all federal and state regulations applicable to the
                      business conducted by CCC;

                  (2) Authority. The execution and delivery by CCC of this
                      Agreement and each other agreement or instrument


                                                                               6
<PAGE>


                      contemplated by this Agreement, the performance by CCC of
                      its covenants and obligations under this Agreement, and
                      the consummation by CCC of the transactions contemplated
                      by this Agreement, have been authorized by all necessary
                      corporate action. Assuming due execution and delivery, the
                      Agreement constitutes the valid and legally binding
                      obligation of CCC and is enforceable in accordance with
                      its terms;

                  (3) No Violation. Neither the execution and delivery of this
                      Agreement, nor the consummation of the transactions
                      contemplated by this Agreement:

                      (A) violates any provision of any of CCC's organizational
                          documents;

                      (B) violates any statute, ordinance, law, writ,
                          injunction, ruling, regulation, order, judgment or
                          decree of any court or governmental agency or board
                          ("Laws") by which CCC or any of its assets or
                          properties is bound, which violation could reasonably
                          be expected to have a material adverse effect on the
                          financial position, results of operations or business
                          of CCC; or,


                                                                               7
<PAGE>

                      (C) conflicts with, violates or will result in any breach
                          of (or give rise to any right of termination,
                          cancellation, modification, amendment, rescission,
                          refusal to perform or acceleration of) any of the
                          terms of, or constitute a default under, or result in
                          the creation of any lien pursuant to the terms of, any
                          note, bond, lease, mortgage, deed of trust, franchise,
                          guaranty, certificate of occupancy, indenture,
                          license, permit, contract or agreement ("Contracts")
                          or other instrument or obligation to which CCC is a
                          party or by which CCC's assets are encumbered and
                          which, individually or in the aggregate, could
                          reasonably be expected to have a material adverse
                          effect on the financial position, results of
                          operations or business of CCC;

                  (4) Regarding Financial Statements. All of CCC's audited
                      financial statements, including CCC's opening audited
                      balance sheet (including the notes thereto) (the "CCC
                      Opening Audited Financial Statements"), fairly present, in
                      all material respects, the financial condition of CCC as
                      of the date thereof, in accordance with generally accepted
                      accounting principles and practices, and is referred to
                      herein as the "CCC Opening Financial Statements."

                                                                               8
<PAGE>


                  (5) No Omissions. This Agreement and the information furnished
                      by CCC, whether set forth in this Agreement or in any
                      document, contains no untrue statement of a material fact
                      and does not omit to state a material fact necessary to
                      make the statements made not misleading.

         2.   Conduct of the Business. Other than as contemplated by this
              Agreement, each of CCC and BIOF covenants and agrees that, from
              and after the date hereof and until Closing, neither will:

              (a) Operation of its Business. Conduct its business, or introduce
                  any material change in its business practices or the
                  accounting methods in respect of its business, except in a
                  manner consistent with prior practices; provided, however,
                  that nothing contained herein shall prevent CCC from acquiring
                  additional businesses in any manner satisfying the business
                  judgment of CCC;

              (b) Payment of Certain Indebtedness. Except in the ordinary course
                  of Business, pay, discharge or liquidate any outstanding
                  indebtedness or incur any obligation not relating to the
                  conduct of its business;

                                                                               9
<PAGE>

              (c) Books and Records. Fail to maintain its books and records in
                  accordance with sound business practices, on a basis
                  consistent with prior practice;

              (d) No Solicitation. For a period of sixty (60) days from the date
                  hereof (the "Non-Solicitation Period"), neither directly nor
                  indirectly, (i) solicit or initiate any Acquisition Proposal
                  (as hereinafter defined), or (ii) engage in negotiations with,
                  or disclose any non-public information relating to it or
                  afford access to its properties, books and records to any
                  person or entity in connection with any Acquisition Proposal.
                  For purposes of this Agreement, "Acquisition Proposal" means
                  any offer or proposal for, or any written indication on
                  interest in, a merger, acquisition or other business
                  combination involving either CCC or BIOF, or the acquisition
                  of any equity interest in either CCC or BIOF, other than the
                  transactions contemplated by this Agreement; provided,
                  however, that CCC is not precluded from taking any action
                  which, in its business judgment, furthers the business of CCC
                  and is entered into on terms consistent with this Agreement;
                  and

              (e) make any announcement or submit any filing(s) to the SEC
                  without having received the approval of the other party
                  hereto.

                                                                              10
<PAGE>


         3.   Closing Date. Provided all conditions precedent have been
              satisfied, closing of the transactions contemplated by this
              Agreement (the "Closing") shall take place at the principal office
              of CCC not more than sixty (60) days from the date hereof (the
              "Closing Date"), or on such other date and at such other time and
              place as is agreed to by the parties. Absent written confirmation
              to the contrary, this Agreement shall automatically terminate in
              the event that all conditions precedent have not been satisfied
              prior to the Closing Date.

         4.   Conditions Precedent to the Obligation of CCC to Close. The
              obligation of CCC and of each CCC shareholder to close and
              consummate the transactions contemplated by this Agreement, is
              subject to the satisfaction of the following conditions precedent,
              any or all of which may be waived by CCC and by each CCC
              shareholder, and BIOF agrees to use commercially reasonable
              efforts to satisfy each of the following conditions precedent at
              or prior to Closing;

              (a) Representations and Warranties. The representations and
                  warranties made by BIOF shall be true and correct as of the
                  Closing Date with the same force and effect as if then made.
                  On the Closing Date, BIOF shall deliver to CCC a certificate
                  dated the Closing Date to such effect;


                                                                              11
<PAGE>


              (b) Compliance with Covenants. All of the covenants and
                  obligations required to be performed by BIOF or with which
                  BIOF is to comply at or prior to Closing, must have been duly
                  performed and complied with in all material respects;

              (c) Other Certificates. CCC shall have received such other
                  certificates, instruments and other documents, in form and
                  substance satisfactory to CCC and its counsel, as CCC shall
                  have reasonably requested in connection with the consummation
                  of the transactions contemplated hereby; and,

              (d) Biofarm Capitalization. BIOF shall have issued and outstanding
                  (i) no shares of its Preferred Stock and (ii) not in excess of
                  9,950,000 shares of its Common Stock. No shares of BIOF Common
                  Stock shall be reserved for issuance for any purpose
                  whatsoever. All options, warrants, subscriptions receivable,
                  intermediary shares, and other rights to acquire shares of
                  BIOF Common Stock shall have been exercised, issued or
                  cancelled. Giving effect to the 2,300,000 shares of BIOF
                  Common Stock to be issued to the shareholders of CCC, the
                  total capitalization of BIOF shall consist of no shares of
                  Preferred Stock and 12,250,000 shares of Common Stock of BIOF
                  being issued and outstanding.

         5.   Conditions Precedent to the Obligation of BIOF to Close. The
              obligation of BIOF to close is subject to satisfaction of the
              following conditions precedent, any one of which may be waived by


                                                                              12
<PAGE>


              BIOF in its sole discretion, and, as to each of which, CCC agrees
              to use commercially reasonable efforts to satisfy at or prior to
              Closing:

              (a) Approval of CCC Financial Statements. Within ten (10) days of
                  the receipt by BIOF of the CCC Financial Statements, BIOF
                  shall have approved the CCC Financial Statements. BIOF shall
                  have also, within the same time frame, approved all other
                  documents or submissions delivered to BIOF by CCC pursuant to
                  this Agreement. Any Financial Statement, document or
                  submission not disapproved within such ten (10) day period by
                  BIOF shall be deemed to have been approved. Any basis for
                  disapproval shall be explicitly stated by BIOF;

              (b) Approval by CCC Shareholders. This Agreement and the
                  obligations, representations and warranties of the CCC
                  shareholders described herein shall have been duly adopted or
                  ratified by the CCC shareholders pursuant to valid and legally
                  binding shareholder action; and BIOF shall be provided with a
                  copy of resolutions duly adopted by the CCC shareholders and
                  certified by the Secretary of CCC;

              (c) Representations and Warranties. The representations and
                  warranties made by CCC herein shall be correct as of the
                  Closing Date with the same force and effect as if then made,
                  and CCC shall deliver to BIOF a certificate dated the Closing
                  Date to such effect; and,


                                                                              13
<PAGE>

              (d) Other Certificates. BIOF shall have received such other
                  certificates, instruments and other documents, in form and
                  substance satisfactory to BIOF and its counsel, as BIOF shall
                  have reasonably requested in connection with the consummation
                  of the transactions contemplated hereby.

         6.   Procedures at Closing. Provided all conditions precedent to
              Closing have been satisfied or waived, at Closing each party shall
              execute and deliver such other instruments, certificates,
              authorizations, releases, resolutions and documents as may be
              necessary to effect the transactions described in or as is
              otherwise required by this Agreement and the following shall
              occur:

              (a) Issuance of BIOF Common Stock. BIOF shall issue and deliver to
                  the CCC shareholders an aggregate of 2,300,000 shares of
                  unregistered BIOF Common Stock, fully paid and non-assessable,
                  free and clear of all liens and encumbrances of any kind, to
                  be distributed among the CCC shareholders as the latter shall
                  determine. Such issuance shall constitute an exempt
                  transaction pursuant to Section 4(2) of the 1933 Act and such
                  exemption shall be appropriately documented. The 2,300,000


                                                                              14
<PAGE>

                  shares shall be appropriately legended and stop transfer
                  instructions shall be issued to the Transfer Agent for BIOF
                  Common Stock.

              (b) Transfer of CCC Capital Stock to BIOF. Simultaneously with the
                  issuance of the BIOF Common Stock described in Paragraph 7(a)
                  above, each CCC shareholder will assign and transfer to BIOF
                  all of such CCC shareholder's right, title and interest in and
                  to all of the capital stock of CCC owned by such shareholder.
                  To do so, each CCC shareholder will deliver to BIOF its stock
                  certificate representing all of the CCC capital stock owned by
                  such CCC shareholder, such certificate to be duly endorsed in
                  blank or accompanied by an irrevocable stock power and
                  assignment separate from certificate and endorsed in blank.
                  All signatures on stock certificates and stock powers shall
                  bear appropriate Medallion signature guarantees from a bank,
                  trust company or member of a national securities exchange.

         7.   Procedures after Closing. Following closing, each of CCC and BIOF
              shall, from time-to-time, execute and deliver such additional
              instruments, documents, conveyances or assurances and take such
              other action as shall be necessary, or otherwise reasonably
              requested by the other party, to confirm and assure the rights and
              obligations provided for in this Agreement and render effective
              the consummation of the transactions contemplated by this
              Agreement.

                                                                              15
<PAGE>



         8.   Survival of Representations; Indemnification.

              (a) Survival.

                  (1) The representations and warranties set forth in Paragraph
                      1(a) and (b) of this Agreement shall survive the Closing
                      but shall terminate and be of no further force and effect
                      on the first anniversary of the Closing Date. Unless a
                      specific period is set forth herein (in which event such
                      specified period shall control), all other covenants and
                      agreements contained in this Agreement shall survive the
                      Closing and remain in effect until waived or otherwise
                      fulfilled,

              (b) Indemnifiable Losses. The term "Indemnifiable Losses" shall
                  mean any and all liabilities, obligations, claims, actions,
                  damages, civil and criminal penalties and fines, out-of-pocket
                  costs and expenses (including any reasonable attorneys' and
                  other professional fees), relating to, resulting from or
                  arising out of any breach of any representation, warranty,
                  covenant, agreement or undertaking by the indemnifying party
                  and contained in this Agreement.


                                                                              16
<PAGE>



              (c) Indemnification by BIOF and CCC. On the terms and subject to
                  the limitations (if any) set forth in this Agreement, BIOF
                  shall indemnify, defend and hold harmless CCC and its
                  shareholders, and each of the past, present and future
                  directors, officers and employees of CCC, and CCC and its
                  shareholders shall indemnify, defend and hold harmless BIOF
                  and its shareholders, and each of its past, present and future
                  directors, officers and employees of BIOF, from and against
                  any and all Indemnifiable Losses relating to, resulting from
                  or arising out of any breach of any representation, warranty,
                  covenant, agreement or undertaking by either such party set
                  forth in this Agreement.

              (d) Indemnification Procedure. In the case of any claim asserted
                  by a third party against a party entitled to indemnification
                  under this Agreement (the "Indemnified Party"), notice shall
                  be given by the Indemnified Party to the party required to
                  provide indemnification (the "Indemnifying Party") promptly
                  after such Indemnified Party has actual knowledge of any claim
                  as to which indemnity may be sought, and the Indemnified Party
                  shall permit the Indemnifying Party (at the expense of such
                  Indemnifying Party) to assume the defense of any claim or any
                  litigation resulting therefrom provided that (i) counsel for
                  the Indemnifying Party who shall conduct the defense of such
                  claim or litigation shall be reasonably satisfactory to the
                  Indemnified Party, (ii) the Indemnified Party may participate



                                                                              17
<PAGE>



                  in such defense at such Indemnified Party's expense, and (iii)
                  the omission by any Indemnified Party to give notice as
                  provided herein shall not relieve the Indemnifying Party of
                  its indemnification obligation under this Agreement except to
                  the extent that such omission results in a failure of actual
                  notice to the Indemnifying Party and such Indemnifying Party
                  is materially damaged as a result of such failure to give
                  notice. Except with the prior written consent of the
                  Indemnified Party, no Indemnifying Party, in the defense of
                  any such claim or litigation, shall consent to entry of any
                  judgment or enter into any settlement that provides for
                  injunctive or other non-monetary relief affecting the
                  Indemnified Party or that does not include as an unconditional
                  term thereof the giving by each claimant or plaintiff to such
                  Indemnified Party of a release from all liability with respect
                  to such claim or litigation. In the event that the Indemnified
                  Party shall in good faith determine that the conduct of the
                  defense of any claim subject to indemnification hereunder or
                  any proposed settlement of any such claim by the Indemnifying
                  Party might be expected to affect adversely the Indemnified
                  Party or its ability to conduct its business, or that the
                  Indemnified Party may have available to it one or more
                  defenses or counterclaims that are inconsistent with one or
                  more of those that may be available to the Indemnifying Party


                                                                              18
<PAGE>


                  in respect of such claim or litigation relating thereto, the
                  Indemnified Party shall have the right at all times to take
                  over and assume control over the defense, settlement
                  negotiations or litigation relating to any such claim at the
                  sole cost of the Indemnifying Party, provided that if the
                  Indemnified Party does so take over and assume control, the
                  Indemnified Party shall not settle such claim or litigation
                  without the written consent of the Indemnifying Party, such
                  consent not to be unreasonably withheld. In the event that the
                  Indemnifying Party does not accept the defense of any matter
                  as above provided, the Indemnified Party shall have the full
                  right to defend against any such claim or demand and shall be
                  entitled to settle or arrange to pay in full such claim or
                  demand. In any event, the Indemnifying Party and the
                  Indemnified Party shall cooperate in the defense of any claim
                  or litigation subject to this Section and the records of each
                  shall be available to the other with respect to such defense.

         9.   Legend. All shares of BIOF Common Stock to be issued to the CCC
              shareholders and the Capital Raise investors, shall bear a legend
              in substantially the form set forth below:


                                                                              19
<PAGE>


                  "The securities represented by this certificate have not been
                  registered under the Securities Act of 1933, as amended (the
                  "Act"), and may not be sold, transferred, assigned, made
                  subject to a security interest, mortgaged, pledged,
                  hypothecated or otherwise disposed of unless and until
                  registered under the Act or an opinion of counsel for Company
                  is received that registration is not required under such Act."

         10.  Arbitration. Except in the event an equitable remedy or injunction
              is sought pursuant to this Agreement, any controversy or claim
              arising out of or relating to this Agreement, or the breach
              thereof, shall be settled exclusively by arbitration in New York
              City, New York, before three arbitrators in accordance with the
              then current rules of the American Arbitration Association and
              judgment upon the award rendered may be entered in the highest
              court of the forum, country or state, having jurisdiction.


         11.  Binding Effect; No Assignment. This Agreement shall be binding
              upon and shall inure to the benefit of the parties to this
              Agreement and their respective successors and assigns. This
              Agreement and the Exhibits attached hereto together constitute the
              entire agreement of the parties with respect to the subject matter
              of this Agreement and the Exhibits attached hereto and supersedes
              all prior agreements and understandings relating hereto and
              thereto. Notwithstanding anything to the contrary, no party may


                                                                              20
<PAGE>

              transfer or assign any of its rights or obligations under this
              Agreement without the prior written consent of all other parties,
              which they may withhold in their sole discretion.


         12.  Controlling Law. This Agreement shall be governed by and construed
              and enforced in accordance with the laws of the State of New York.


         13.  Notices. Any notice, communication, request, reply, or advice
              (hereinafter severally and collectively called "notice") in this
              Agreement provided or permitted to be given, made, or accepted by
              either party to the other must be in writing and shall be given or
              be served by telex, telecopy, facsimile, registered, certified or
              other form of mail requiring a return receipt, addressed to the
              party to be notified, postage prepaid, or by reputable overnight
              delivery service, or by delivering the same in person to such
              party and obtaining a receipt for such delivery. Notice deposited
              in the mail in the manner hereinabove described shall be deemed
              received on the earlier of the fifth day after day after deposit
              in the mail or upon receipt, whichever is earlier. Notice sent by
              reputable overnight courier shall be deemed received on the next
              day after sending. Notices given by hand delivery shall be deemed
              received when delivered. Notices may also be sent by facsimile
              transmission with electronic confirmation, and shall be deemed
              received on the date sent or the first business day thereafter, if
              sent after normal business hours or on a non-business day,
              provided that the sender requests and the receiver sends a return
              confirmation by facsimile transmission or by mail.


                                                                              21
<PAGE>


                      For purposes of notice, the address and facsimile
                      numbers of the parties shall, until notice of any
                      change is provided, be as follows:


                      To BIOF                   David Stith, President
                                                1244 Main Street
                                                Linfield, PA  19468
                                                Facsimile:  (610) 495-8417

                      To CCC (or to any
                      CCC shareholder)          c/o Robert Harrison, President
                                                Currency Charting Corp.
                                                400 Chambers Street, Suite 9K
                                                New York, New York
                                                Facsimile:  (212) 784-9138

         14.  Further Assurances. Each of the parties to this Agreement shall
              use such party's commercially reasonable efforts to take such
              actions as may be necessary or reasonably requested by the other
              parties to this Agreement to carry out and consummate the
              transactions contemplated by this Agreement.


                                                                              22
<PAGE>


         15.  Expenses. Each of the parties to this Agreement shall bear such
              party's own expenses and attorneys' fees in connection with the
              negotiation and preparation of this Agreement and the transactions
              contemplated by this Agreement. This provision shall not operate
              to limit any damages due to breach by another party.

         16.  Counterparts. This Agreement may be executed in any number of
              counterparts, each of which will be deemed an original but all of
              which shall constitute one and the same instrument.

         17.  Headings. The headings preceding the text of the paragraphs of
              this Agreement are inserted for convenience of reference only and
              shall not constitute a part of this Agreement, nor shall they
              affect its meaning, construction or effect.

         18.  Amendments, Waivers. Any changes, amendments, waivers or additions
              to this Agreement, must be made in writing by the parties to this
              Agreement in order to be effective. The failure of any party
              hereto to enforce at any time any provision of this Agreement
              shall not be construed as a waiver of such provision nor in any
              way to affect the validity of this Agreement or any part hereof or
              the right of any party thereafter to enforce each and every such
              provision strictly in accordance with its terms. No waiver of any
              breach of this Agreement shall be held to constitute a waiver of
              any other or subsequent breach.

         19.  Invalidity. Should any provision of this Agreement be held by a
              court or arbitration panel of competent jurisdiction to be

                                                                              23
<PAGE>

              enforceable only if modified, such holding shall not affect the
              validity of the remainder of this Agreement, the balance of which
              shall continue to be binding upon the parties to this Agreement
              with any such modification to become a part hereof and treated as
              though originally set forth in this Agreement.

         20.  Interpretation. No provision of this Agreement shall be construed
              against a party because such party of its attorney may have been
              the draftsman thereof.

         IN WITNESS WHEREOF, the parties have executed and delivered this
Agreement on the date first written above.


<TABLE>
<CAPTION>
           <S>                                               <C>
         CURRENCY CHARTING CORP.                              BIOFARM, INC.

         BY                                                   BY
            -----------------------------------------            -----------------------------------------

         Its                                                  Its
             ----------------------------------------             ----------------------------------------

         ATTEST                                               ATTEST

         Its                                                  Its
</TABLE>


         Each of the undersigned, being all of the shareholders of CCC and
intending to be legally bound, joins in this Agreement for the purpose of
confirming his/her/its agreement to be bound by the terms of and the
representations, warranties, indemnities, obligations, agreements or covenants
contained in this Agreement and applicable to each such shareholder.





_________________________________

_________________________________

_________________________________




                                                                              24