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EXHIBIT 10.16


$16,670.78                                              Date:   August 1, 2002

                               PROMISSORY NOTE

     WHEREAS, As of July 31, 2002, Wrap-N-Roll USA, Inc. formerly known as
Oxy General Corporation ("Maker"), owed Ken Kurtz ("Holder"), an individual
residing in Utah, a total of sixteen thousand six hundred seventy dollars and
seventy-eight cents ($16,670.78).  Such amount consisted of an April 1, 2000
Promissory Note in the amount of eight hundred twelve dollars and forty-eight
cents ($812.48) which was due on April 1, 2001 and extended through April 1,
2002, a November 1, 2000 Promissory Note in the amount of ten thousand dollars
($10,000.00), which was due October 31, 2001, and accrued interest through
July 31, 2001 in the amount of eight hundred fifty eight dollars and thirty
cents ($858.30) on both the April 1, 2000 and the November 1, 2000 Promissory
Notes and an August 1, 2001 Promissory Note in the amount of five thousand
dollars ($5,000.00).

     NOW THEREFORE, FOR VALUE RECEIVED, The undersigned, jointly and
severally ("Maker"), promises to pay to Ken Kurtz (?Holder?), an individual
residing in Utah, the principal sum of sixteen thousand six hundred seventy
dollars and seventy-eight cents ($16,670.78), together with interest thereon
from August 1, 2002 at the rate of ten percent (10%) per annum on the unpaid
principal accrued on a monthly basis.

1.   Payments.  The principal amount of $16,670.78 and interest of $1,667.80
     on the principal obligation represented hereby shall be repaid in full
     upon demand.  Demand shall be made in writing by "Holder" to "Maker" at
     1056 East Platinum Way, Sandy, UT  84094.

2.   Type and Place of Payments.  Payments of principal and interest shall be
     made in lawful money of the United States of America to the above-named
     Holder and mailed to 3434 East 7800 South, #237, Salt Lake City, Utah
     84121.

3.   Penalty.  Maker shall pay a penalty equal to one percent (1%) of the
     current unpaid principal balance due for each month any payment  is past
     due after the demand is made.  Advance payment or payments may be made
     on the principal or interest, without penalty or forfeiture.  There
     shall be no penalty for any prepayment.

4.   Default.  Upon the occurrence or during the continuance of any one or
     more of the events listed below, Holder may, by notice in writing to the
     Maker, declare the unpaid balance of the principal and interest on the
     Note to be immediately due and payable, and the principal and interest
     shall then be immediately due and payable without presentation, demand,
     protest, notice of protest, or other notice of dishonor, all of which
     are hereby expressly waived by Maker, such events being as follows:

          (a)  Default in any portion of the payment of the principal and
               interest of this Note when the same shall become due and
               payable, unless cured within five (5) days after notice
               thereof by Holder or the holder of such Note to Maker.

          (b)  Maker shall file a voluntary petition in bankruptcy or a
               voluntary petition seeking reorganization, or shall file an
               answer admitting the jurisdiction of the court and any
               material allegations of an involuntary petition filed
               pursuant to bankruptcy or any form of insolvency, or Maker
               shall make an assignment to an agent authorized to liquidate
               any part of its assets; or

          (c)  Death of Maker.  In the event of Death of Maker, such notice
               of default shall be made to the trustee of Maker's estate.

5.   ATTORNEYS' FEES.  Maker shall be responsible to Holder for any costs
     incurred by Holder in collecting on the obligation herein including
     reasonable attorney's fees.

6.   CONSTRUCTION.  This Note shall be governed by and construed in
     accordance with the laws of Utah.

Wrap-N-Roll USA, Inc. ("Maker")



Cliff Halling, President
                                                                  Approved By:



                                                         Ken Kurtz  ("Holder")