MORTGAGE NOTE

This Mortgage Note is made on November2, 1998.

      BETWEEN the Borrower(s) OHIO KEY I, INC. and OHIO KEY II, INC., both
      Florida corporations whose addresses are 100 NORTH ALEXANDER STREET, MT.
      DORA. FLORIDA 32757

      referred to as "I", AND the Lender, KEYDOCROM, INC., a New Jersey
      corporation whose addresses 205 MAIN STREET, P.O. BOX 268, CHATHAM, NEW
      JERSEY 07928 referred to as the Lender".

If more than one Borrower signs this Note, the word 1" shall mean each Borrower
named above. The word "Lender" means the original Lender and anyone else who
takes this Note by transfer.

       Borrower's Promise to Pay Principal and Interest. In return for a loan
that I received, 1 promise to pay $ 4,000,000 (called the "principal"), plus
interest to the Lender. Interest, at a yearly race of eight (8) % will be
charged on that part of the principal which has not been paid from the date of
this Note until all principal has been paid, except that interest during the
first six (6) months of the loan shall be at 7 1/2 % per annum.

       Payments. I will pay interest only with monthly payments of $ 25,000.00
on the first day of each month beginning on January 1,1999. I will pay all
amounts owed under this Note no later than May 25, 2000. All payments will be
made to the Lender at the address shown above or at a different place if
required by the Lender. The monthly payment amount will increase to $26,666.67
staring with the payment due July 1, 1999.

       Early Payments. I have the right to make payments at any time before they
are due. These early payments will mean that this Note will be paid in less
time. However, unless I pay this Note in full, my monthly payments will remain
the same.

       Late Charge for Overdue Payments. If the Lender has not received any
monthly payment within ten (10) days after the due date, I will pay the Lender a
late charge of five (5%) % of the monthly payment. This payment will be made
along with the late monthly payment.

       Mortgage to Secure Payment. The Lender has been given a second mortgage
dated 1998 to protect the Lender if the promises made in this Note are not kept.
I agree to keep all promises made in the Mortgage covering property I own
located at 3499 BRUNSWICK PINE (US Route 1, South) in the TOWNSHIP of WEST
WINDSOR in the County of MERGER and State of New Jersey. All of the terms of the
Mortgage are made a part of this Note.

       Default. If I fail to make any payment required by this Note within 30
days after the due date, the Lender may declare that lam in default on the
Mortgage and this Note. Upon default, I must immediately pay the full amount of
all unpaid principal, interest, other amounts due on the Mortgage and this Note,
the Lender's costs of collection and reasonable attorney fees. The Lender does
not give up its right to declare a default due to any previous delay or failure
to declare a default.

       Waivers. I give up my right to require that the Lender do the following:
(a) to demand payment (called "presentment"); (h) to notify me of nonpayment
(called "notice of dishonor"); and,(c) to obtain an official certified statement
showing nonpayment (called a "protest").

       Each Person Liable. The Lender may enforce any of the provisions of this
Note against any one or more of the Borrowers who sign this Note.

       No Oral Changes. This Note can only be changed by an agreement in writing
signed by both the Borrower(s) and the Lender.

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       Signatures. I agree to the terms of this Note. If the Borrower is a
corporation, its proper corporate officers sign and its corporate seal is
affixed.

Witnessed or Attested by:
                                                  OHIO KEY I, INC.

                                                  By  /s/  C. John Knorr, Jr. 
                                                     ------------------------- 
                                                        C. John Knorr, Jr.
                                                         Its    President    

                                                  OHIO KEY II, INC.

                                                  By  /s/  C. John Knorr, Jr.  
                                                     ------------------------- 
                                                        C. John Knorr, Jr.
                                                         Its    President    



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