Document:

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                                                                   EXHIBIT 10.28

                        FORM OF REPRESENTATIVE'S WARRANT

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                                          Option to Purchase ________
                                          Shares of Common Stock

                            REPRESENTATIVE'S WARRANT

                            Dated: ____________, 2000

         THIS CERTIFIES THAT JOSEPH CHARLES & ASSOCIATES, INC. (herein sometimes
called the "Holder" or the "Representative") is entitled to purchase from VITECH
AMERICA, INC., a Florida corporation (the "Company"), at the price and during
the period as hereinafter specified, up to ____________________________
(_______) shares (the "Shares") of common stock, no par value per share (the
"Common Stock") at a purchase price of $____ per share (125% of the initial
public offering price) subject to adjustment as described below, at any time
during the four-year period commencing one (1) year from the effective date of
the Registration Statement (as defined herein) (the "Effective Date").

         This Representative's Warrant (the "Representative's Warrant") is
issued pursuant to an Underwriting Agreement between the Company and Joseph
Charles & Associates, Inc., as Representative of the several Underwriters set
forth in Schedule I to said Underwriting Agreement, in connection with a public
offering, through the Representative, of ________ Shares as therein described
(and up to _______ additional Shares covered by an over-allotment option granted
by the Company to the Underwriters), and in consideration of $______ received by
the Company for the Representative's Warrant. Except as specifically otherwise
provided herein, the Shares issued pursuant to the Representative's Warrant
shall bear the same terms and conditions as described under the caption
"Description of Securities-Common Stock" in the Registration Statement on Form
S-1, File No. 333-36018 (the "Registration Statement") except that the Holder
shall have registration rights under the Securities Act of 1933, as amended (the
"Act"), for the Representative's Warrant and the Shares issuable pursuant
thereto as more fully described in paragraph 6 herein.

         1. The rights represented by the Representative's Warrant shall be
exercised at the price, set forth in the first paragraph hereof subject to
adjustment in accordance with Section 8 hereof (the "Exercise Price"), and
during the periods as follows:

                  (a) During the period from the Effective Date to and through
_________, 2001 (the "First Anniversary Date"), inclusive, the Holder shall have
no right to purchase any Shares hereunder, except that in the event of any
merger, consolidation or sale of substantially all the assets of the Company as
an entirety prior to the First Anniversary Date (other than (i) a merger or
consolidation in which the Company is the continuing corporation and which does
not result in any reclassification or reorganization of any outstanding shares
of Common Stock or (ii) any sale/leaseback, mortgage or other financing
transaction), the Holder shall have the right to exercise the Representative's
Warrant concurrently with such event and into the kind and amount of shares of
stock and other securities and property (including cash) receivable by a holder
of the

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number of Shares into which the Representative's Warrant were exercisable
immediately prior thereto.

                  (b) Between ___________, 2001 and 2005, (five (5) years from
the Effective Date, i.e. the "Expiration Date") inclusive, the Holder shall have
the option to purchase Shares hereunder at the Exercise Price.

                  (c) After the Expiration Date, the Holder shall have no right
to purchase any Shares hereunder.

         2. (a) The rights represented by the Representative's Warrant may be
exercised at any time within the periods above specified, in whole or in part,
by (i) the surrender of the Representative's Warrant (with the purchase form at
the end hereof properly executed) at the principal executive office of the
Company (or such other office or agency of the Company as it may designate by
notice in writing to the Holder at the address of the Holder appearing on the
books of the Company); (ii) payment to the Company of the exercise price then in
effect for the number of Shares specified in the above-mentioned purchase form
together with applicable stock transfer taxes, if any; and (iii) delivery to the
Company of a duly executed agreement signed by the person(s) designated in the
purchase form to the effect that such person(s) agree(s) to be bound by the
provisions of paragraph 6 and subparagraphs (b), (c) and (d) of paragraph 7
hereof. The Representative's Warrant shall be deemed to have been exercised, in
whole or in part to the extent specified, immediately prior to the close of
business on the date the Representative's Warrant is surrendered and payment is
made in accordance with the foregoing provisions of this paragraph 2, and the
person or persons in whose name or names the certificates for the Shares shall
be issuable upon such exercise shall become the holder or holders of record of
such Shares at that time and date. The Shares and the certificates for the
Shares so purchased shall be delivered to the Holder within a reasonable time,
not exceeding ten (10) business days, after the rights represented by this
Representative's Warrant shall have been so exercised.

                  (b) Notwithstanding anything to the contrary contained in
paragraph 2(a), the Holder may elect to exercise this Representative's Warrant
in whole or in part by receiving Shares equal to the value (as determined below)
of this Representative's Warrant, or any part hereof, upon surrender of the
Representative's Warrant at the principal office of the Company together with
notice of such election in which event the Company shall issue to the Holder a
number of Shares computed using the following formula: (a)

                                   X = Y(A-B)
                                       ------
                                        A

         Where    X =      the number of Shares to be issued to the Holder;

                  Y =      the number of Shares issuable upon exercise of this
                           Representative's Warrant;

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                  A =      the current fair market value of one share of Common
                           Stock;

                  B =      the Exercise Price of the Representative's Warrant;

                                    As used herein, current fair market value of
                           Common Stock shall mean with respect to each share of
                           Common Stock the average of the closing prices of the
                           Common Stock sold on the principal national
                           securities exchanges on which the Common Stock is at
                           the time admitted to trading or listed, or, if there
                           have been no sales on any such exchange on such day,
                           the average of the highest bid and lowest ask price
                           on such day as reported by NASDAQ, or any similar
                           organization if NASDAQ is no longer reporting such
                           information, either (i) on the date which the form of
                           election is deemed to have been sent to the Company
                           (the "Notice Date") or (ii) over a period of five (5)
                           trading days preceding the Notice Date, whichever of
                           (i) or (ii) is greater. If on the date for which
                           current fair market value is to be determined the
                           Common Stock is not listed on any securities exchange
                           or quoted in the NASDAQ System or the
                           over-the-counter market, the current fair market
                           value of Common Stock shall be the highest price per
                           share which the Company could then obtain from a
                           willing buyer (not a current employee or director)
                           for shares of Common Stock sold by the Company, from
                           authorized but unissued shares, as determined in good
                           faith by the Board of Directors of the Company,
                           unless prior to such date the Company has become
                           subject to a binding agreement for a merger,
                           acquisition or other consolidation pursuant to which
                           the Company is not the surviving party, in which case
                           the current fair market value of the Common Stock
                           shall be deemed to be the value to be received by the
                           holders of the Common Stock for each share thereof
                           pursuant to the Company's acquisition.

         3. The Representative's Warrant shall not be sold, transferred,
assigned, or hypothecated for a period of one year commencing on the Effective
Date except that it may be transferred to successors of the Holder, and may be
assigned in whole or in part to any person who is an officer of the Holder to
any members of the selling group and/or the officers or partners thereof during
such period. This Representative's Warrant must be executed immediately upon its
transfer at any time after one year from the Effective Date, and if not so
executed, shall lapse. Any such assignment shall be effected by the Holder by
(i) executing the form of assignment at the end hereof and (ii) surrendering the
Representative's Warrant for cancellation at the office or agency of the Company
referred to in paragraph 2 hereof, accompanied by a certificate (signed by an
officer of the Holder if the Holder is a corporation) stating that each
transferee is a permitted transferee under this paragraph 3; whereupon the
Company shall issue, in the name or names specified by the Holder (including the
Holder), a new Representative's Warrant or Warrants of like tenor and
representing in the aggregate rights to purchase the same number of Shares as
are purchasable hereunder at such time.

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         4. The Company covenants and agrees that all Shares which may be
purchased hereunder will, upon issuance and delivery against payment therefor of
the requisite purchase price, be duly and validly issued, fully paid and
nonassessable. The Company further covenants and agrees that, during the periods
within which the Representative's Warrant may be exercised, the Company will at
all times have authorized and reserved a sufficient number of shares of its
Common Stock to provide for the exercise of the Representative's Warrant.

         5. The Representative's Warrant shall not entitle the Holder to any
voting rights or other rights, including without limitation notice of meetings
of other actions or receipt of dividends, as a stockholder of the Company.

         6. (a) The Company shall advise the Holder or its permitted transferee,
whether the Holder holds the Representative's Warrant or has exercised the
Representative's Warrant and holds Shares, by written notice at least four weeks
prior to the filing of any new registration statement thereto under the Act, or
the filing of a notification on Form 1-A under the Act for a public offering of
securities, covering any securities of the Company, for its own account or for
the account of others, except for any registration statement filed on Form S-4
or S-8 (or other comparable form), and will, during the five (5) year period
from the Effective Date, upon the request of the Holder, include in any such new
registration statement (or notification as the case may be) such information as
may be required to permit a public offering of, all or any of the Shares
underlying the Representative's Warrant (the "Registrable Securities"). For so
long as the Warrants remain outstanding and as long as required by the Act (so
long as the Holder's ability to exercise any Warrant is not adversely affected),
the Company currently intends to file post-effective amendments to the
Registration Statement (or any new registration statement filed by the Company)
setting forth or otherwise incorporating certain information contained in the
then most recent quarterly report on Form 10-Q or annual report on Form 10-K
filed by the Company (each such post-effective amendment, a "Quarterly
Amendment"). The parties hereby agree that if at any time during such five (5)
year period the Company receives written notice from the Holder at least two
weeks prior to the filing of any such Quarterly Amendment indicating such
Holder's intention to offer Registrable Securities in such Quarterly Amendment,
the Company will include in such Quarterly Amendment such information as may be
required to permit a public offering of such Registrable Securities. The
delivery by the Holder of any such notice shall not constitute a demand made
pursuant to Section 6(b). The Company shall supply prospectuses and such other
documents as the Holder may reasonably request in order to facilitate the public
sale or other disposition of the Registrable Securities, use its best efforts to
register and qualify any of the Registrable Securities for sale in such states
(i) as such Holder designates and (ii) with respect to which the Company
obtained a qualification in connection with its initial public offering; and do
any and all other acts and things which may be necessary or desirable to enable
such Holder to consummate the public sale or other disposition of the
Registrable Securities, all at no expense to the Holder or the Representative
(other than sales commissions, underwriting discounts or commissions, or other
expenses of such sale), and furnish indemnification in the manner provided in
paragraph 7 hereof. The Holder shall furnish information and indemnification as
set forth in paragraph 7.

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                  (b) At any time during the four (4) year period beginning one
(1) year after the Effective Date, a 50% Holder (as defined below) may request,
on two occasions, that the Company register under the Act any and all of the
Registrable Securities held by such 50% Holder, once at the Company's expense
and on the second occasion, at the 50% Holder's expense. Upon the receipt of any
such notice, the Company will promptly, but no later than four weeks after
receipt of such notice, file a post-effective amendment to the current
Registration Statement or a new registration statement pursuant to the Act, so
that such designated Registrable Securities may be publicly sold under the Act
as promptly as practicable thereafter and the Company will use reasonable
efforts to cause such registration to become and remain effective (including the
taking of such reasonable steps as are necessary to obtain the removal of any
stop order) within 120 days after the receipt of such notice, provided, that
such Holder shall furnish the Company with appropriate information in connection
therewith as the Company may reasonably request in writing. The 50% Holder may,
at its option, request the registration of any of the Shares underlying the
Representative's Warrant in a registration statement made by the Company as
contemplated by Section 6(a) or in connection with a request made pursuant to
this Section 6(b) prior to acquisition of the Shares issuable upon exercise of
the Representative's Warrant. The 50% Holder may, at its option, request such
post-effective amendment or new registration statement during the described
period with respect to the Representative's Warrant and/or the Shares and such
registration rights may be exercised by the 50% Holder prior to or subsequent to
the exercise of the Representative's Warrant. Within ten days after receiving
any such notice pursuant to this subsection (b) of paragraph 6, the Company
shall give notice to any other Holders of the Representative's Warrant, advising
that the Company is proceeding with such post-effective amendment or
registration statement and offering to include therein the Shares underlying
that part of the Representative's Warrant held by the other Holders, provided
that they shall furnish the Company with such appropriate information (relating
to the intentions of such Holders) in connection therewith as the Company shall
reasonably request in writing. All costs and expenses of the post-effective
amendment or new registration statement shall be borne by the Company, except
that the Holder(s) shall bear the fees of their own counsel and any other
advisors retained by them and any underwriting discounts or commissions
applicable to any of the securities sold by them. The Company will use its best
efforts to maintain such registration statement or post-effective amendment
current under the Act for a period of at least 180 days from the effective date
thereof. The Company shall supply prospectuses, and such other documents as the
Holder(s) may reasonably request in order to facilitate the public sale or other
disposition of the Registrable Securities, use its best efforts to register and
qualify any of the Registrable Securities for sale in such states (i) as such
Holder(s) designate and (ii) with respect to which the Company obtained a
qualification in connection with its initial public offering and furnish
indemnification in the manner provided in paragraph 7 hereof. Notwithstanding
the foregoing set forth in this paragraph 6(b), the Company shall not be
required to include in any registration statement any Registrable Securities
which in the opinion of counsel to the Company (which opinion is reasonably
acceptable to counsel to the Representative) would be saleable immediately
without restriction under Rule 144 (or its successor) if the Representative's
Warrant was exercised pursuant to paragraph 2(b) herein.

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                  (c) The term "50% Holder" as used in this paragraph 6 shall
mean the Holder(s) of at least 50% of the Representative's Warrant and/or the
Shares underlying the Representative's Warrant (considered in the aggregate).

         7. (a) Whenever pursuant to paragraph 6 a registration statement
relating to any Shares issued upon exercise of the Representative's Warrant is
filed under the Act, amended or supplemented, the Company will indemnify and
hold harmless each Holder of the securities covered by such registration
statement, amendment or supplement (such Holder being hereinafter called the
"Distributing Holder"), and each person, if any, who controls (within the
meaning of the Act) the Distributing Holder, and each underwriter (within the
meaning of the Act) of such securities and each person, if any, who controls
(within the meaning of the Act) any such underwriter, against any losses,
claims, damages or liabilities, joint or several, to which the Distributing
Holder, any such controlling person or any such underwriter may become subject,
under the Act or otherwise, insofar as such losses, claims, damages or
liabilities, or actions in respect thereof, arise out of or are based upon any
untrue statement or alleged untrue statement of any material fact contained in
any such registration statement as declared effective or any final prospectus
constituting a part thereof or any amendment or supplement thereto, or arise out
of or are based upon the omission or the alleged omission to state therein a
material fact required to be stated therein or necessary to make the statements
therein not misleading and will reimburse the Distributing Holder or such
controlling person or underwriter for any legal or other expense reasonably
incurred by them in connection with investigating or defending any such loss,
claim, damage, liability or action; provided, however, that the Company will not
be liable in any such case to the extent that any such loss, claim, damage or
liability arises out of or is based upon an untrue statement or alleged untrue
statement or omission or alleged omission made in said registration statement,
said preliminary prospectus, said final prospectus or said amendment or
supplement in reliance upon and in conformity with written information furnished
by such Distributing Holder or any other Distributing Holder for use in the
preparation thereof and provided further, that the indemnity agreement provided
in this Section 7(a) with respect to any preliminary prospectus shall not inure
to the benefit of any Distributing Holder, controlling person of such
Distributing Holder, underwriter or controlling person of such underwriter from
whom the person asserting any losses, claims, charges, liabilities or litigation
based upon any untrue statement or alleged untrue statement of a material fact
or omission or alleged omission to state therein a material fact, received such
preliminary prospectus, if a copy of the prospectus in which such untrue
statement or alleged untrue statement or omission or alleged omission was
corrected has not been sent or given to such person within the time required by
the Act and the Rules and Regulations thereunder.

                  (b) The Distributing Holder will indemnify and hold harmless
the Company, each of its directors, each of its officers who have signed said
registration statement and such amendments and supplements thereto, and each
person, if any, who controls the Company (within the meaning of the Act) against
any losses, claims, damages or liabilities, joint or several, to which the
Company or any such director, officer or controlling person may become subject,
under the Act or otherwise, insofar as such losses, claims, damages or
liabilities, or actions in respect thereof, arise out of or are based upon any
untrue or alleged untrue statement of any

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material fact contained in said registration statement, said preliminary
prospectus, said final prospectus, or said amendment or supplement, or arise out
of or are based upon the omission or the alleged omission to state therein a
material fact required to be stated therein or necessary to make the statements
therein not misleading, in each case to the extent, but only to the extent, that
such loss, claim, damage or liability arises out of or is based upon an untrue
statement or alleged untrue statement or omission or alleged omission made in
said registration statement, said preliminary prospectus, said final prospectus
or said amendment or supplement in reliance upon and in conformity with written
information furnished by such Distributing Holder for use in the preparation
thereof; and will reimburse the Company or any such director, officer or
controlling person for any legal or other expenses reasonably incurred by them
in connection with investigating or defending any such loss, claim, damage,
liability or action.

                  (c) Promptly after receipt by an indemnified party under this
paragraph 7 of notice of the commencement of any action, such indemnified party
will, if a claim in respect thereof is to be made against any indemnifying
party, give the indemnifying party notice of the commencement thereof, but the
omission so to notify the indemnifying party will not relieve it from any
liability which it may have to any indemnified party otherwise than under this
paragraph 7.

                  (d) In case any such action is brought against any indemnified
party, and it notifies an indemnifying party of the commencement hereof, the
indemnifying party will be entitled to participate in and, to the extent that it
may wish, jointly with any other indemnifying party similarly notified, to
assume the defense thereof, with counsel reasonably satisfactory to such
indemnified party, and after notice from the indemnifying party to such
indemnified party of its election so to assume the defense thereof, the
indemnifying party will not be liable to such indemnified party under this
paragraph 7 for any legal or other expenses subsequently incurred by such
indemnified party in connection with the defense thereof other than reasonable
costs of investigation.

         8. The Exercise Price in effect at the time and the number and kind of
securities purchasable upon the exercise of the Warrant shall be subject to
adjustment from time to time upon the happening of certain events as follows:

                  (a) In case the Company shall (i) declare a dividend or make a
distribution on its outstanding shares of Common Stock in shares of Common Stock
(other than issuance of Common Stock pursuant to antidilution provisions set
forth in the Registration Statement), (ii) subdivide or reclassify its
outstanding shares of Common Stock into a greater number of shares, (iii)
combine or reclassify its outstanding shares of Common Stock into a smaller
number of shares, or (iv) enter into any transaction whereby the outstanding
shares of Common Stock of the Company are at any time changed into or exchanged
for a different number or kind of shares or other security of the Company or of
another corporation through reorganization, merger, consolidation, liquidation
or recapitalization, then appropriate adjustments in the number of Shares (or
other securities for which such Shares have previously been exchanged or
converted) subject to this Representative's Warrant shall be made and the
Exercise Price in effect at the time

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of the record date for such dividend or distribution or of the effective date of
such subdivision, combination, reclassification, reorganization, merger,
consolidation, liquidation or recapitalization shall be proportionately adjusted
so that the Holder of this Representative's Warrant exercised after such date
shall be entitled to receive the aggregate number and kind of shares of Common
Stock which, if this Representative's Warrant had been exercised by such Holder
immediately prior to such date, he would have been entitled to receive upon such
dividend, distribution, subdivision, combination, reclassification,
reorganization, merger, consolidation, liquidation or recapitalization. For
example, if the Company declares a 2 for 1 stock distribution and the Exercise
Price hereof immediately prior to such event was $______ per Share and the
number of Shares issuable upon exercise of this Representative's Warrant was
_________ , the adjusted Exercise Price immediately after such event would be
$_________ per Share and the adjusted number of Shares issuable upon exercise of
this Representative's Warrant would be ________. Such adjustment shall be made
successively whenever any event listed above shall occur.

                  (b) In case the Company shall fix a record date for the
issuance of rights or warrants to all holders of its Common Stock entitling them
to subscribe for or purchase shares of Common Stock (or securities convertible
into Common Stock) at a price (the "Subscription Price") (or having a conversion
price per share) less than the Exercise Price on a per share basis (the "Per
Share Exercise Price") on such record date, the Exercise Price shall be adjusted
so that the same shall equal the price determined by multiplying the number of
Shares by the Per Share Exercise Price in effect immediately prior to the date
of issuance by a fraction, the numerator of which shall be the sum of the number
of shares of Common Stock then outstanding on the record date mentioned below
and the number of additional shares of Common Stock which the aggregate offering
price of the total number of shares of Common Stock so offered (or the aggregate
conversion price of the convertible securities so offered) would purchase at the
Per Share Exercise Price in effect immediately prior to the date of such
issuance, and the denominator of which shall be the sum of the number of shares
of Common Stock outstanding on the record date mentioned below and the number of
additional shares of Common Stock offered for subscription or purchase (or into
which the convertible securities so offered are convertible). Such adjustment
shall be made successively whenever such rights or warrants are issued and shall
become effective immediately after the record date for the determination of
stockholders entitled to receive such rights or warrants; and to the extent that
shares of Common Stock are not delivered (or securities convertible into Common
Stock are not delivered) after the expiration of such rights or warrants the
Exercise Price shall be readjusted to the Exercise Price which would then be in
effect had the adjustments made upon the issuance of such rights or warrants
been made upon the basis of delivery of only the number of shares of Common
Stock (or securities convertible into Common Stock) actually delivered.

                  (c) In case the Company shall hereafter distribute to all
holders of its Common Stock evidences of its indebtedness or assets (excluding
cash dividends or distributions and dividends or distributions referred to in
Subsection (a) above) or subscription rights or warrants (excluding those
referred to in Subsection (b) above), then in each such case the Exercise Price
in effect thereafter shall be determined by multiplying the number of Shares by

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the Per Share Exercise Price in effect immediately prior thereto, multiplied by
a fraction, the numerator of which shall be the total number of shares of Common
Stock then outstanding multiplied by the current market price per share of
Common Stock (as defined in Subsection (e) below), less the fair market value
(as determined by the Company's Board of Directors) of said assets, or evidences
of indebtedness so distributed or of such rights or warrants, and the
denominator of which shall be the total number of shares of Common Stock
outstanding multiplied by such current market price per share of Common Stock.
Such adjustment shall be made whenever any such distribution is made and shall
become effective immediately after the record date for the determination of
stockholders entitled to receive such distribution.

                  (d) Whenever the Exercise Price payable upon exercise of the
Representative's Warrant is adjusted pursuant to Subsections (a), (b) or (c)
above, the number of Shares purchasable upon exercise of this Representative's
Warrant shall simultaneously be adjusted by multiplying the number of Shares
issuable upon exercise of this Representative's Warrant by the Exercise Price in
effect on the date hereof and dividing the product so obtained by the Exercise
Price, as adjusted.

                  (e) For the purpose of any computation under Subsection (c)
above, the current market price per share of Common Stock at any date shall be
deemed to be the average of the daily closing prices of the Common Stock for 30
consecutive business days before such date. The closing price for each day shall
be the last sale price regular way or, in case no such reported sale takes place
on such day, the average of the last reported bid and asked prices regular way,
in either case on the principal national securities exchange on which the Common
Stock is admitted to trading or listed, or, if not listed or admitted to trading
on such exchange, the average of the highest reported bid and lowest reported
asked prices as reported by NASDAQ, or other similar organization if NASDAQ is
no longer reporting such information, or if not so available, the fair market
price as determined by the Board of Directors as set forth in Section 2(b)
herein.

                  (f) No adjustment in the Exercise Price shall be required
unless such adjustment would require an increase or decrease of at least five
cents ($0.05) in such price; provided, however, that any adjustments which may
by reason of this Subsection (f) are not required to be made shall be carried
forward and taken into account in any subsequent adjustment required to be made
hereunder. All calculations under this Section 8 shall be made to the nearest
cent or to the nearest one-hundredth of a share, as the case may be. Anything in
this Section 8 to the contrary notwithstanding, the Company shall be entitled,
but shall not be required, to make such changes in the Exercise Price, in
addition to those required by this Section 8, as it shall determine, in its sole
discretion, to be advisable in order that any dividend or distribution in shares
of Common Stock, or any subdivision, reclassification or combination of Common
Stock, hereafter made by the Company shall not result in any Federal income tax
liability to the holders of the Common Stock or securities convertible into
Common Stock.

                  (g) Whenever the Exercise Price is adjusted, as herein
provided, the Company shall promptly cause a notice setting forth the adjusted
Exercise Price and adjusted number of Shares issuable upon exercise of the
Representative's Warrant to be mailed to the Holder, at its

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address set forth herein, and shall cause a certified copy thereof to be mailed
to the Company's transfer agent, if any. The Company may retain a firm of
independent certified public accountants selected by the Board of Directors (who
may be the regular accountants employed by the Company) to make any computation
required by this Section 8, and a certificate signed by such firm shall be
conclusive evidence of the correctness of such adjustment.

                  (h) In the event that at any time, as a result of an
adjustment made pursuant to the provisions of this Section 8, the Holder of the
Representative's Warrant thereafter shall become entitled to receive any shares
of the Company other than Common Stock, thereafter the number of such other
shares so receivable upon exercise of the Representative's Warrant shall be
subject to adjustment from time to time in a manner and on terms as nearly
equivalent as practicable to the provisions with respect to the Common Stock
contained in Subsections (a) to (f), inclusive, above.

         9. This Agreement shall be governed by and in accordance with the laws
of the State of Florida without regard to conflict of laws provision.

         IN WITNESS WHEREOF, VITECH AMERICA, INC. has caused this
Representative's Warrant to be signed by its duly authorized officers under its
corporate seal, and this Representative's Warrant to be dated ____________,
2000.

                                            VITECH AMERICA, INC.

                                            By:
                                                --------------------------------
                                                    William C. St. Laurent
                                                    President

Attest:

------------------------------
Edward A. Kelly
Chief Financial Officer

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                                  PURCHASE FORM

                  (To be signed only upon exercise of Warrant)

         The undersigned, the holder of the foregoing Representative's Warrant,
hereby irrevocably elects to exercise the purchase rights represented by such
Warrant for, and to purchase thereunder, _______________ Shares of Common Stock,
no par value per share (the "Shares") VITECH AMERICA, INC. payment of $_______
therefor, and requests that the certificates for the Shares issued in the
name(s) of, and delivered to ________________________, whose address(es) is
(are):

Dated:  _______________, ____

                                             By:
                                                 -------------------------------

                                             -----------------------------------

                                             -----------------------------------
                                             Address

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                                  TRANSFER FORM

          (To be signed only upon transfer of Representative's Warrant)

         For value received, the undersigned hereby sells, assigns, and
transfers unto ______________________________ the right to purchase Shares
represented by the foregoing Representative's Warrant to the extent of
__________ Shares, and appoints _________________________ attorney to transfer
such rights on the books of _________________ ____________, with full power of
substitution in the premises. The undersigned believes that each transferee is a
permitted transferee under Section 3 of the Representative's Warrant.

Dated:  _______________, ____

                                             By:
                                                 -------------------------------

                                             -----------------------------------

                                             -----------------------------------
                                             Address

In the presence of:

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                                                                   EXHIBIT 10.24

                              EMPLOYMENT AGREEMENT

         THIS EMPLOYMENT AGREEMENT dated March 1, 2000 between Quest Net Corp.
(the "Company"), and Charles Wainer (the "Executive").

         WHEREAS, the Company desires to employ Executive and to ensure the
continued availability to the Company of the Executive's services, and the
Executive is willing to accept such employment and render such services, all
upon and subject to the terms and conditions contained in this Agreement;

         NOW, THEREFORE, in consideration of the premises and the mutual
covenants set forth in this Agreement, and intending to be legally bound, the
Company and the Executive agree as follows:

         1. TERM OF EMPLOYMENT.

                  (a) TERM. The Company hereby employs the Executive, and the
         Executive hereby accepts employment with the Company, for a period
         commencing on April 1, 2000 and ending five (5) years from that date
         (the "Term").

                  (b) CONTINUING EFFECT. Notwithstanding any termination of this
         Agreement at the end of the Term or otherwise, the provisions of
         Sections 6 and 7 shall remain in full force and effect and the
         provisions of Sections 6(b) and 7 shall be binding upon the legal
         representatives, successors and assigns of the Executive, except as
         otherwise provided in Section 5(d).

         2. DUTIES.

                  (a) GENERAL DUTIES. The executive shall serve as
         President/Chief Operating Officer of the Company, with duties and
         responsibilities that are customary for such executives. The Executive
         will use his best efforts to performs his duties and discharge his
         responsibilities pursuant to this Agreement competently, carefully and
         faithfully.

                  (b) DEVOTION OF TIME. The Executive will devote all of his
         time, attention, and energies during normal business hours (exclusive
         of periods of sickness and disability and of such normal holiday and
         vacation periods as have been established by the Company) to the
         affairs of the Company. The Executive will not enter the employ of or
         serve as a consultant to, or in any way perform any services with or
         without compensation to, any other persons, business or organization,
         except as previously disclosed, without the prior consent of the board
         of directors of the Company; provided, that the Executive shall be
         permitted to devote a limited amount of his time, without compensation,
         to charitable or similar organizations.

         3. COMPENSATION AND EXPENSES.

                  (a) SALARY. For the services of the Executive to be rendered
         under this Agreement, the Company will pay the Executive an annual base
         salary of $100,000 during the Term, with a 20% cost of living increase
         per annum. The annual salary under this Section 3(a) will be reduced,
         however, to the extent that the Executive elects to defer any portion
         thereof under the terms of any deferred compensation or savings plan
         maintained by the Company. The Company will pay the Executive his
         annual salary in equal installments no less frequently than bi-monthly.

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                  (b) EXPENSES. In addition to any compensation received
         pursuant to Section 3(a), and 3(b), the Company will reimburse or
         advance funds to the Executive for all reasonable travel, entertainment
         and miscellaneous expenses incurred in connection with the performance
         of his duties under this Agreement, provided that the Executive
         properly accounts for such expenses to the Company in accordance with
         the Company's practices. Such reimbursement or advances will be made in
         accordance with policies and procedures of the Company in effect from
         time to time relating to reimbursement of or advances to executive
         officers.

         4. BENEFITS.

                  (a) VACATION. For each 12-month period during the Term, the
         Executive will be entitled to three (3) weeks of vacation without loss
         of compensation or other benefits to which he is entitled under this
         Agreement, to be taken at such times as the Executive may select and
         the affairs of the Company may permit.

                  (b) EMPLOYEE BENEFIT PROGRAMS. Without limiting the
         compensation to which the Executive is entitled pursuant to the
         provisions of Section 3 or this Section 4, during the Term, the
         Executive will be entitled to immediately participate in any pension,
         insurance or other employee benefit plan that is maintained at that
         time by the Company for its executive officers, including programs of
         life and medical insurance and reimbursement of membership fees in
         civic, social and professional organizations.

                  (c) OPTIONS. The Executive shall receive incentive options to
         purchase up to an aggregate of 1,000,000 shares of the Company's common
         stock at an exercise price equal to 110% of the fair market value of
         the Company's common stock on the date of this Employment Agreement.
         The options may be exercised as follows:

                           (i) Options to purchase 50,000 shares may be
                  exercised every six months during the term of this Agreement,
                  beginning 6 months from the date hereof.

                           (ii) Options for an additional 50,000 shares can be
                  exercised every time the Company has increased its revenue by
                  one million dollars and has retained that revenue for a period
                  of not less than two months.

         Once vested, the options will remain exercisable for one year from the
         date of vesting. After one year from the vesting date, the options will
         become null and void. All unvested options shall become null and void
         upon termination of Executive's Employment. All vested options that
         have not been terminated will become null and void 3 months after the
         termination of Executive's employment with the Company.

                  (d) STOCK GRANT. The executive shall also receive as a stock
         grant, 50,000 shares of the Company's common stock upon execution of
         this Agreement.

         5. TERMINATION.

                  (a) TERMINATION WITHOUT CAUSE. The Company may terminate the
         Executive's employment pursuant to the terms of this Agreement without
         cause. Such termination will take effect at least 30 days from the date
         of such notice. Upon any such termination without cause for such 30 day
         period and for 30 days thereafter the following shall be applicable (i)
         the Company will continue to pay the Executive his annual salary
         pursuant to Section 3(a) and (ii) the Company will continue to maintain

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         for such period, for the benefit of the Executive, the employee benefit
         programs referred to in Section 4(b) that were in effect on the date of
         such termination.

                  (b) TERMINATION FOR CAUSE. The Company may terminate the
         Executive's employment pursuant to the terms of this Agreement at any
         time for cause by given written notice of termination. Such termination
         will become effective upon the giving of such notice, except that
         termination based upon clause (v) below shall not become effective
         unless the Executive shall fail to correct such breach within 10 days
         of receipt of written notice thereof provided pursuant to the preceding
         sentence. Upon any such termination for cause, the Executive shall have
         no right to compensation, commission, bonus, or reimbursement under
         Section 3, or to participate in any employee benefit programs under
         Section 4 for any period subsequent to the effective date of
         termination. For purposes of this Section 5(c), "cause" shall mean: (i)
         the Executive is convicted of a felony which is related to the
         Executive's employment or the business of the Company; (ii) the
         Executive, in carrying out his duties hereunder, has been found in a
         civil action to have committed willful gross negligence or willful
         gross misconduct resulting, in either case, in material harm to the
         Company; (iii) the Executive misappropriates Company funds or otherwise
         defrauds the Company; (iv) the Executive materially breaches any
         provision of Section 6 or Section 7; and (v) the Executive materially
         fails to perform his duties under Section 2.

                  (c) DEATH OR DISABILITY. Except for the conditions and
         obligations contained in this Section 5(d), this Agreement, and the
         obligations of the Company hereunder will terminate upon the death or
         disability of the Executive. For purposes of this Section 5(d),
         "disability" shall mean that for a period of one (1) months in any
         twelve (12) month period the Executive is incapable of substantially
         fulfilling the duties set forth in Section 2 because of physical,
         mental or emotional incapacity resulting from injury, sickness or
         disease.

         Upon termination by death or disability, the Company will pay the
         Executive or his legal representative, as the case may be: (i) his
         annual salary at such time pursuant to Section 3(a) through the date of
         such termination of employment.

                  (d) SPECIAL TERMINATION. In the event that (i) the Executive,
         with or without change in title or formal corporate action, shall no
         longer exercise all of the duties and responsibilities and shall no
         longer possess substantially all the authority set forth in Section 2;
         or (ii) the Company materially breaches this Agreement or the
         performance of its duties and obligations hereunder; or (iii) any
         entity or person not now an executive officer or majority shareholder
         of the Company becomes either individually or as part of a group the
         beneficial owner of 51% or more of the Company's common stock, the
         Executive, by written notice to the Company, may elect to deem the
         Executive's employment hereunder to have been terminated by the Company
         without cause under Section 5(a) hereof, in which event the Executive
         shall be entitled to the compensation payable pursuant to clauses (i)
         and (ii) of Section 5(a).

                  (e) VOLUNTARY TERMINATION. The Executive, on 30 days prior
         written notice to the Company, may terminate his employment voluntarily
         (i) at any time following termination of the initial Term or (ii) at
         any time following the death or disabling illness of a member of the
         Executive's immediate family or similar personal, non-business related
         occurrence as a result of which the Executive concludes he must devote
         a substantial amount of his time and energies to his family or other
         personal matter and not to his business activities so as to preclude
         his fulfilling his obligations under this Agreement. Upon any such
         termination, the Company will pay the Executive (i) his annual salary
         at such time pursuant to Section 3(a) through the date of such

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         termination of employment; and (ii) any bonus which would have been
         payable through the date of termination pursuant to Section 3(c). Such
         sums shall be paid upon the same terms and conditions as if this
         Agreement were in fully force and effect.

                  (f) CONTINUING EFFECT. Notwithstanding any termination of the
         Executive's employment as provided in this Section 5 or otherwise, the
         provisions of Sections 6 and 7 shall remain in full force and effect,

         6. NON-COMPETITION AGREEMENT.

                  (a) COMPETITION WITH THE COMPANY. Until termination of his
         employment and for a period of twenty four (24) months commencing on
         the date of termination, the Executive, directly or indirectly, in
         association with or as a stockholder, director, officer, consultant,
         employee, partner, joint venturer, member or otherwise of or through
         any person, firm, corporation, partnership, association or other
         entity, will not compete with the Company or any of its affiliates in
         the offer, sale or marketing of products or services that are
         competitive with the products or services offered by the Company,
         within any metropolitan area in the United States or elsewhere in which
         the Company is then engaged in the offer and sale of competitive
         products or services; provided, however, the foregoing shall not
         prevent Executive from accepting employment with an enterprise engaged
         in two or more lines of business, one of which is the same or similar
         to the Company's business (the "Prohibited Business") if Executive's
         employment is totally unrelated to the Prohibited Business; provided,
         further, the foregoing shall not prohibit Executive from owning up to
         5% of the securities of any publicly-traded enterprise provided
         Executive is not an employee, director, officer, consultant to such
         enterprise or otherwise reimbursed for services rendered to such
         enterprise. Provided, however, that should the Company be declared
         insolvent, file for bankruptcy, become unable to continue operations
         for any reason or, be found to be in violation of any provisions
         contained herein, the Executive shall be released from the provisions
         of this Section 6.

                  (b) SOLICITATION OF CUSTOMERS. During the twenty four (24)
         month period in which the provisions of Section 6(a) shall be in
         effect, the Executive, directly or indirectly, will not seek Prohibited
         Business from any Customer (as defined below) on behalf of any
         enterprise or business other than the Company, refer Prohibited
         Business from any Customer to any enterprise or business other than the
         Company or receive commissions based on sales or otherwise relating to
         the Prohibited Business from any Customer, or any enterprise or
         business other than the Company. For purposes of this Section 6(b), the
         term "Customer" means any person, firm, corporation, partnership,
         association or other entity to which the Company or any of its
         affiliates has transacted business with, sold, purchased or provided
         goods or services to during the 24-month period prior to the time at
         which any action of the Executive requires that a determination is
         required to be made as to whether any such person, firm, corporation,
         partnership, association or other entity is a Customer.

                  (c) NO PAYMENT. The Executive acknowledges and agrees that no
         separate or additional payment will be required to be made to him in
         consideration of his undertakings in this Section 6.

         7. NONDISCLOSURE OF CONFIDENTIAL INFORMATION. The Executive
acknowledges that during his employment he will learn and will have access to
confidential information regarding the Company and its affiliates, including
without limitation (i) confidential or secret plans, programs, documents,
agreements or other material relating to the business, services or activities of
the Company and its affiliates and (ii) trade secrets, market reports, customer
investigations, customer lists and other similar information that is proprietary
information of the Company or its affiliates (collectively referred to as
"Confidential Information"). Provided, however, that Confidential Information
shall not include information, knowledge or training obtained by the Executive
in the normal course of business, which is not specific to the Company, its
business operations or practices. The Executive acknowledges that such
confidential

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information as is acquired and used by the Company or its affiliates is a
special, valuable, and unique asset. All records, files, materials, and
confidential information obtained by the Executive in the course of his
employment with the Company are confidential and proprietary and shall remain
the exclusive property of the Company or its affiliates, as the case may be. The
Executive will not, except in connection with and as required by his performance
of his duties under this Agreement, for any reason use for his own benefit or
the benefit of any person or entity with which he may be associated or disclose
any such confidential information to any person, firm, corporation, association
or other entity for any reason or purpose whatsoever without the prior written
consent of the board of directors of the Company, unless such confidential
information previously shall have become public knowledge through no action by
or omission of the Executive.

      8. EQUITABLE RELIEF.

                  (a) The Company and the Executive recognize that the services
         to be rendered under this Agreement by the Executive are special,
         unique and of extraordinary character, and that in the event of the
         breach by the Executive of the terms and conditions of this Agreement
         or if the Executive, without the prior consent of the board of
         directors of the Company, shall (i) leave his employment for any
         reason; and (ii) take any action in violation of Section 6 or Section
         7, the Company will be entitled to institute and prosecute proceedings
         in any court of competent jurisdiction referred to in Section 8(b)
         below, to enjoin the Executive from breaching the provisions of Section
         6 or Section 7. Nothing contained in this Section 8 shall be construed
         to prevent the Company from seeking such other remedy in arbitration in
         case of any breach of this Agreement by the Executive, as the Company
         may elect.

                  (b) Any proceeding or action must be commenced in federal
         court in Broward or Dade County, Florida, or in the absence of federal
         jurisdiction in state court in Broward County Florida. The Executive
         and the Company irrevocably and unconditionally submit to the
         jurisdiction of such courts and agree to take any and all future action
         necessary to submit to the jurisdiction of such courts. The Executive
         and the Company irrevocably waive any objection that they now have or
         hereafter irrevocably waive any objection that they now have or
         hereafter may have to the laying of venue of any suit, action or
         proceeding brought in any such court and further irrevocably waive any
         claim that any such suit, action or proceeding brought in any such
         court has been brought in an inconvenient forum. Final judgment against
         the Executive or the Company in any such suit shall be conclusive and
         may be enforced in other jurisdictions by suit on the judgment, a
         certified or true copy or which shall be conclusive evidence of the
         fact and the amount of any liability of the Executive or the Company
         therein described, or by appropriate proceedings under any applicable
         treaty or otherwise.

      9. ASSIGNABILITY. The rights and obligations of the Company under this
Agreement shall inure to the benefit of and be binding upon the successors and
assigns of the Company, provided that such successor or assign shall acquire all
or substantially all of the assets and business of the Company. The Executive's
obligations hereunder may not be assigned or alienated and any attempt to do so
by the Executive will be void.

      10.  SEVERABILITY.

                  (a) The Executive expressly agrees that the character,
         duration, and geographical scope of the provisions set forth in this
         Agreement are reasonable in light of the circumstances, as they exist
         on the date hereof. Should a decision, however, be made at a later date
         by a court of competent jurisdiction that the character, duration or
         geographical scope of such provisions is unreasonable, then it is the
         intention and the agreement of the Executive and the Company that this
         Agreement shall be construed by the court in such a manner as to impose
         only those restrictions on the Executive's conduct that are reasonable
         in the light of the circumstances and as are necessary to assure to the
         Company the benefits of this Agreement. If, in any judicial proceeding,
         a court shall refuse to enforce all of the separate covenants deemed
         included herein because taken together they are more extensive than
         necessary to

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         assure to the Company the intended benefits of this Agreement, it is
         expressly understood and agreed by the parties hereto that if any
         provisions of this Agreement, are eliminated, the remaining separate
         provisions may be enforced in such proceeding.

                  (b) If any provision of this Agreement otherwise is deemed to
         be invalid or unenforceable or is prohibited by the laws of the state
         or jurisdiction where it is to be performed, this Agreement shall be
         considered divisible as to such provision and such provision shall be
         inoperative in such state or jurisdiction and shall not be part of the
         consideration moving from either of the parties to the other. The
         remaining provisions of this Agreement shall be valid and binding and
         of like effect as though such provision were not included.

      11. NOTICES AND ADDRESSES. All notices, offers, acceptance and any other
acts under this Agreement (except payment) shall be in writing, and shall be
sufficiently given if delivered to the addressees in person, by Federal Express
or similar receipted delivery, by facsimile delivery during normal business
hours, with such delivery acknowledged in writing or, if mailed, postage
prepaid, by certified mail, return receipt requested, as follows:

      Executive                   Charles Wainer
                                  c/o CWTEL. Inc
                                  1250 East Hallandale Beach Blvd. #502
                                  Hallandale, Florida 33000

      Company                     Quest Net Corp.
                                  2740 E Oakland Park Boulevard
                                  Suite 206
                                  Fort Lauderdale, Florida 33306

      With Copy to:               Rebecca J. Del Medico, Esq.
                                  6281 Floridian Circle
                                  Lake Worth, Florida 33463

or to such other address as either of them, by notice to the other may designate
from time to time.

      12. COUNTERPART. This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument. The execution of this
Agreement may be by actual or facsimile signature.

      13. ARBITRATION. Upon the parties mutual agreement, except for any
controversy or claim seeking equitable relief as provided in Section 8 of this
Agreement, any controversy or claim arising out of or relating to this
Agreement, or to the interpretation, breach or enforcement thereof or any other
dispute between the parties, may, upon the parties mutual agreement, be
submitted to one arbitrator, mutually agreed upon by the parties, and settled by
arbitration in Fort Lauderdale, Florida, in accordance with the rules, then
obtaining, of the American Arbitration Association. In the event that an
arbitrator cannot be mutually agreed upon, each party will pick an arbitrator
who in turn will pick a third arbitrator who will hear the controversy claim.
Any award made by such arbitrator shall be final, binding, and conclusive on all
parties hereto for all purposes, and judgment may be entered thereon in any
court having jurisdiction thereof.

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      14. ATTORNEY'S FEES. In the event that there is any controversy or claim
arising out of or relating to this Agreement, or to the interpretation, breach
or enforcement thereof, and any action or proceeding is commenced to enforce the
provisions of this Agreement, the prevailing party shall be entitled to a
reasonable attorney's fee, costs, including the costs of arbitration, and
expenses.

      15. GOVERNING LAW. This Agreement and any dispute, disagreement, or issue
of construction or interpretation arising hereunder whether relating to its
execution, its validity, the obligations provided therein or performance shall
be governed or interpreted according to the internal laws of the State of
Florida without regard to choice of law considerations.

      16. ENTIRE AGREEMENT. This Agreement constitutes the entire Agreement
between the parties and supersedes all prior oral and written agreements between
the parties hereto with respect to the subject matter hereof. Neither this
Agreement nor any provision hereof may be changed, waived, discharged or
terminated orally, except by a statement in writing signed by the party or
parties against which enforcement or the change, waiver discharge or termination
is sought.

      17. ADDITIONAL DOCUMENTS. The parties hereto shall execute such additional
instruments as may be reasonably required by their counsel in order to carry out
the purpose and intent of this Agreement and to fulfill the obligations of the
parties hereunder.

      18. SECTION AND PARAGRAPH HEADINGS. The section and paragraph headings in
this Agreement are for reference purposes only and shall not affect the meaning
or interpretation of this Agreement.

      IN WITNESS WHEREOF, the Company and the Executive have executed this
Agreement as of the date and year first above written.

WITNESS:                               Quest Net Corp.

/s/ Paul K. Zeller                      By: /s/ Camilo Pereira, Chief Executive
                                                Officer

                                        AGREED AND ACCEPTED:

WITNESS:
/s/ Donald Braxtin                          /s/ Charles Wainer, Executive

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