Document:

<PAGE>

                                                                   EXHIBIT 10.13

                                 PROMISSORY NOTE

$300,000                                                       DECEMBER 13, 1999
                                             WINTER HAVEN, POLKA COUNTY, FLORIDA

FOR VALUE RECEIVED, the undersigned promise to pay to the order of FIDRA
HOLDINGS, LTD AT SUITE 1, WEST BAY STREET, P.O. BOX CB-11728, NASSAU, BAHAMAS or
at such other address as may be indicated in writing, in the manner hereinafter
specified, the principal sum of THREE HUNDRED THOUSAND AND 00/100 DOLLARS
($300,000) with interest from the date hereof, at the rate of NINE PERCENT (9% )
per annum on the balance from time to time remaining unpaid. The said principal
and interest shall be payable in lawful money of the United States of America,
on the date and in the following manner:

         The sum of $6,750.00 representing interest only shall be due and
         payable on March 13, 2000, and on the 13th day of each quarter (June, &
         Sept.) thereafter until December 13, 2000. The sum of representing a
         payment of principal and interest shall be due and payable on January
         13, 2001, and on the 13th day of each month thereafter until December
         13, 2002 at which time the remaining principal balance, together with
         any accrued but unpaid interest shall be due.

         All payments shall be first applied to late charges, if any, then to
         the payment of accrued interest, and the balance remaining, if any,
         shall be applied to the payment of the principal sum.

         This note may be prepaid, in whole or in part, without penalty, at any
         time prior to maturity.

This note with interest is secured by a purchase money mortgage, of even date
herewith, the terms of which are incorporated herein by reference, made by the
makers hereof in favor of the said payee, is given as part of the purchase price
of the real property described in the mortgage, and shall be construed and
enforced according to the laws of the State of Florida.

If default be made in the payment of any installment under this note, and if
such default is not made good within 15 days, the entire principal sum and
accrued interest shall at once become due and payable without notice at the
option of the holder of this Note. Failure to exercise this option shall not
constitute a waiver of the right to exercise the same at a later time for the
same default or for any subsequent default. Any payment not received with 10
days of the due date shall include a late charge of 5% of the payment due. In
the event of default in the payment of this note, and if the same is placed in
the hands of any attorney for collection, the undersigned hereby agree to pay
all costs of collection, including a reasonable attorney's fee.

Makers waive demand, presentment for payment, protest, and notice of nonpayment
and dishonor.

                                     TOHO HOLDINGS, INC.

                                     By: /s/ Frank Dolney
                                         ---------------------------
                                         Frank Dolney, President

The state documentary tax due on this Note has been paid on the Mortgage
securing this indebtedness.<PAGE>

                                                                   EXHIBIT 10.14

                                             INSTR # 2000006116
                                             OR BK 04385 PG 1107
Prepared by and return to: Frank Dolney      RECORDED 01/12/2000 10:28 AM
TOHO HOLDINGS, INC.                          RICHARD M. WEISS CLERK OF COURT
3560 CYPRESS GARDENS ROAD                    POLK COUNTY
WINTER HAVEN, FLORIDA 33884                  DOC TAX PD(F.S.201.08)    1,050.00
                                             INT. TAX PD(F.S. 199)       600.00
                                             DEPUTY CLERK B Beachar

                                    MORTGAGE

THIS INDENTURE, Made this DECEMBER 13, 1999 by and between TOHO HOLDINGS, INC.,
A FLORIDA CORPORATION whose address is 3560 CYPRESS GARDENS ROAD, WINTER HAVEN,
FLORIDA 33884, hereinafter called the Mortgagor, AND FIDRA HOLDINGS, LTD, whose
address is SUITE 1, WEST BAY STREET, P,O. BOX CB-1 1728, NASSAU, BAHAMAS,
hereinafter call the Mortgagee:

         The terms "Mortgagor" and "Mortgagee" shall include heirs, personal
         representatives, successors, legal representatives and assigns, and
         shall denote the singular and/or the plural, and the masculine and/or
         the feminine and natural and/or artificial persons, whenever and
         wherever the context so admits or requires.

WITNESSETH, that the said Mortgagor, for and in consideration of the aggregate
sum named in the promissory note, a copy of which is attached hereto and made a
part hereof, the receipt of which is hereby acknowledged, does grant, bargain
and sell to the said Mortgagee, his successors and assigns, in fee simple, the
following described land situate, lying and being in POLK COUNTY, FLORIDA
to-wit:

         Commence at the intersection of North right-of-way of Interstate No. 4
and the West boundary of Section 11, Township 27 South, Range 24 East, Polk
County, Florida, run thence N 72 degrees 50' 19" E. along said right-of-way a
distance of 750.00 feet, thence leaving said right-of-way run due North a
distance of 763.49 feet from the point of beginning, thence continue North a
distance of 719.09 feet to a point laying on the Southerly right-of-way of S.R.
33; thence run N. 70 degrees 50' 50" E. along said right-of-way a distance of
150.00 feet, thence leavings said right-of-way run S 00 degrees 00' 06" W. a
distance of 763.33 feet, thence run N 89 degrees 50' 54" W. a distance of 143.32
feet to said point of beginning.

And the said Mortgagor does hereby fully warrant the title to said land, and
will defend the same against the lawful claims of all persons whomsoever.

PROVIDED ALWAYS, that if said Mortgagor, his successors or assigns, shall pay
unto the said Mortgagee, his successors or assigns, that certain promissory
note, of which a true and correct copy is attached, and Mortgagor shall perform,
comply with and abide by each and every stipulation, agreement, condition and
convenient of said promissory note and of this mortgage, and shall duly pay all
taxes, all insurance premiums reasonably required, all costs and expenses
including reasonable attorneys fees that Mortgagee may incur in collecting money
secured by this mortgage, and also in enforcing this mortgagee by suit or
otherwise, then this mortgage and the estate hereby created shall cease and be
null and void.

Mortgagor hereby covenants and agrees:

1.       To pay the principal and interest and other sums of money payable by
         virtue of said promissory note and this mortgage, or either, promptly
         on the days respectively the same severally come due.

2.       To keep the buildings now or hereafter on the land insured for fire and
         extended coverage in a sum at least equal to the amount owed on the
         above described promissory note, and name the Mortgagee as loss payees,
         and to furnish Mortgagee with a copy of all current policies. If
         Mortgagor does not proved Mortgagee with copies of the policies showing
         Mortgagee as loss payee after 14 days written demand by Mortgagee, then
         Mortgagee may purchase such insurance and shall add any payments made
         for such policy to the principal balance owed on the mortgage, and such
         payments shall accrue interest at the maximum rate of interest allowed
         by law. In the event any sum of money becomes payable under such
         policy, Mortgagee, his legal

<PAGE>

                                                          POLK OR BK 04385 PG 11

         representatives, or assigns, shall have the option to receive and apply
         the same on account of the indebtedness hereby secured or to permit
         Mortgagor to receive and use it or any part thereof for repair or
         replacement, without hereby waiving or impairing any equity, lien or
         right under or by virtue of this mortgage. In the event of loss
         Mortgagor shall give immediate notice to Mortgagee.

3.       To permit, commit or suffer no waste, impairment or deterioration of
         the property, or any part thereof.

4.       To permit no other lien or mortgage to be placed ahead of this
         mortgage.

5.       Mortgagor shall provide proof of payment of annual real estate taxes by
         March 15, for the preceding years taxes. In the event that Mortgagor
         does not pay the taxes by such date, the Mortgagee may pay the taxes
         and the full amount of such payment by Mortgagee shall be added to the
         principal balance owed on the mortgage, and shall accrue interest at
         the maximum rate allowed by law.

6.       The Mortgagee may, at any time pending a suit upon this mortgage, apply
         to the court having jurisdiction thereof for the appointment of a
         receiver, and such court shall forthwith appoint a receiver, and such
         receiver shall have all broad and effective functions and powers in
         anywise entrusted by a court to a receiver, and such appointment shall
         be made by such court as an admitted equity and a matter of absolute
         right to said Mortgagee. The rents, profits, income, issues, and
         revenues shall be applied by such receiver according to the lien of
         this mortgage.

7.       If any of the sums of money due and owing to Mortgagee under the terms
         of the promissory note and this mortgage, including but not limited to
         any advance made by Mortgagee for the payment of insurance or taxes,
         are not paid within 15 days after the same become due and payable, or
         if each of the stipulations, agreements, conditions and covenants of
         the promissory note and this mortgage, or either, are not fully
         performed or complied with the aggregate sum owed on the promissory
         note shall become due and payable forthwith or thereafter at the option
         of Mortgagee, his successors, legal representatives, or assigns.

This mortgage and the note hereby secured shall be construed and enforced
according to the laws of the State of Florida.

The principal sum secured hereby, along with any interest to be paid in
accordance with the terms of the note secured hereby, shall immediately become
due and payable without notice, if a transfer of title to the premises by sale
or otherwise is made without the Mortgagee's written consent, while this
mortgage remains a lien thereon, at the option of Mortgagee, his successors,
legal representatives, or assigns.

Executed at POLK COUNTY, FLORIDA on the date written above.

Signed, sealed and delivered in the presence of:

The foregoing instrument was executed and acknowledged before me this December
13, 1999, by FRANK DOLNEY, President of TOHO HOLDINGS, INC., who is personally
known to me.

/s/ RICHARD J. EMRY                 TOHO HOLDINGS INC.
-----------------------------
Witness Name: RICHARD J. EMRY       BY: /s/ FRANK DOLNEY
              12/27/99                 ----------------------------
              personally known         FRANK DOLNEY, PRESIDENT
                                       3560 Cypress Gardens Rd,
                                       Winter Haven, FL 33884

/s/ DEVIN EDWARDS
---------------------------
Witness Name: DEVIN EDWARDS

                                       [STAMP OF RICHARD J. EMRY]

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00057-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00057-of-00352.parquet"}]]