TERM NOTE


$2,625,000                                                         July 30, 1999


     FOR VALUE RECEIVED, the undersigned, U.S. AUTOMOTIVE MANUFACTURING, INC., a
Delaware corporation (the "Borrower"), unconditionally promises to pay to the
order of IBJ WHITEHALL BUSINESS CREDIT CORPORATION (the "Lender") the principal
sum of TWO MILLION SIX HUNDRED TWENTY-FIVE THOUSAND DOLLARS ($2,625,000) or, if
less, the aggregate unpaid principal amount of all the Term Loans made by the
Lender pursuant to that certain Credit Agreement, dated as of July 30, 1999
(together with all amendments, supplements, restatements and other
modifications, if any, from time to time made thereto, the "Credit Agreement"),
among the Borrower, the other Borrowers named therein, the various financial
institutions (including the Lender) as are, or may from time to time become,
parties thereto, and IBJ Whitehall Business Credit Corporation, as agent (in
such capacity, the "Agent") for the Lenders, payable in installments as set
forth in the Credit Agreement, with a final installment (in the amount necessary
to pay in full this Note) due and payable on the Stated Maturity Date.

     The Borrower also promises to pay interest on the unpaid principal amount
hereof from time to time outstanding from the date hereof until maturity
(whether by acceleration or otherwise) and, after maturity, until paid, at the
rates per annum and on the dates specified in the Credit Agreement.

     Payments of both principal and interest are to be made without set-off or
counterclaim in lawful money of the United States of America in same day or
immediately available funds to the account designated by the Agent pursuant to
the Credit Agreement.

     This Note is one of the Term Notes referred to in, and evidences
Indebtedness incurred under, the Credit Agreement, to which reference is made
for a description of the security for this Note and for a statement of the terms
and conditions on which the Borrower is permitted and required to make
prepayments and repayments of principal of the Indebtedness evidenced by this
Note and on which such Indebtedness may be declared to be or shall automatically
become immediately due and payable. Unless otherwise defined, terms used herein
have the meanings provided in the Credit Agreement.

     The Borrower hereby irrevocably authorizes the Lender to make (or cause to
be made) appropriate notations on the grid attached to the Lender's Note (or on
any continuation of such grid), which notations, if made, shall evidence, inter
alia, the date of, the outstanding principal of, and the interest rate and
Interest Period applicable to, the Loans evidenced hereby. Such notations shall
be, absent manifest error, evidence of the information so set forth therein;
provided, however, that the failure of the Lender to make any such notations
shall not limit or otherwise affect any Obligations of the Borrower.

     All parties hereto, whether as makers, endorsers, or otherwise, severally
waive presentment for payment, demand, protest and notice of dishonor.

<PAGE>

     THIS NOTE HAS BEEN DELIVERED IN NEW YORK, NEW YORK AND SHALL BE DEEMED TO
BE A CONTRACT MADE UNDER AND GOVERNED BY THE INTERNAL LAWS OF THE STATE OF NEW
YORK.

                                      U.S. AUTOMOTIVE MANUFACTURING, INC.



                                      By  /s/ Unintelligible
                                          --------------------------------------
                                              Name:
                                              Title:

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<PAGE>


<TABLE>
<CAPTION>

                                      TERM LOANS AND PRINCIPAL PAYMENTS

                                   Interest Period                                Unpaid
Date      Amount of Revolving      (If Applicable)   Amount of Principal Repaid   Balance  Principal      Total     Notation Made By
----      ----------------------   ---------------   --------------------------   --------------------    -----     ----------------
          Loan Made
          Base Rate    LIBO Rate                     Base Rate        LIBO Rate   Base Rate  LIBO Rate
          ---------    ---------                     ---------        ---------   ---------  ---------
<S>       <C>          <C>         <C>               <C>              <C>         <C>        <C>          <C>       <C>


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