Document:

Exhibit 10.13

                                 LOAN AGREEMENT

THIS LOAN AGREEMENT made this 1st day of November, 2002, by and between
AmeriFirst, Inc., a Delaware corporation ("AmeriFirst") and John Tooke.

                                    RECITALS:

      WHEREAS, AmeriFirst is in the viatical and life settlement business; and

      WHEREAS, 100% of the stock of AmeriFirst, Inc. is currently owned by John
Tooke ("Tooke"), I.Y.S. III, LLC and Dow Ridge Associates, LLC; and

      WHEREAS, John Tooke desires to loan up to Two Hundred Fifty Thousand
($250,000) Dollars (the "Loan") to AmeriFirst; and

      WHEREAS, as an inducement to make funds available to AmeriFirst, John
Tooke will receive eleven and one-quarter percent (11.25%) of net operating
income in AmeriFirst, in any affiliates or subsidiaries of AmeriFirst.

      NOW, THEREFORE, in consideration of the mutual covenants contained herein,
the parties hereto agree as follows:

      1.    Loan. Tooke shall loan to AmeriFirst, and AmeriFirst shall borrow
            from Tooke, the sum up to Two Hundred Fifty Thousand ($ 250,000)
            Dollars. Two Hundred Fifty Thousand ($ 250,000) Dollars of the Loan
            shall be advanced to AmeriFirst on or before November 15, 2002.

      2.    Additional Documents. As evidence of said indebtedness, AmeriFirst
            and Tooke shall execute a Promissory Note and a personal Guaranty
            contemporaneous to the advancement of the Loan.

      3.    Repayment of the Loan. The Loan shall be reimbursed to John Tooke
            upon receipt of the first advances of funds from any source to
            AmeriFirst after payment of AmeriFirst's operating expenses. The
            loan shall include interest at a rate equal to 1% over the prime
            rate as charged by Comerica Bank. The distribution of payments will
            be made at the discretion of Tooke based upon the ongoing capital
            reserve requirements of AmeriFirst.

      4.    Equity Interest. As an inducement to make funds available to
            AmeriFirst, John Tooke will receive eleven and one-quarter percent
            (11.25%) of net operating income in AmeriFirst and in any affiliates
            or subsidiaries of AmeriFirst according to the following schedule:

            A.    Upon the advancement of the Two Hundred Fifty Thousand ($
                  250,000) Dollars of the Loan by the required date, John Tooke
                  will receive an 11.25% interest in net operating income of
                  AmeriFirst and in any affiliates or subsidiaries of AmeriFirst
                  by the required date.

            B.    In the event that AmeriFirst begins to repay the certain Five
                  Hundred Thousand ($ 500,000) Dollars loan to I.Y.S. III, LLC,
                  a Michigan limited liability company,

<PAGE>

                  executed contemporaneous to this Loan Agreement, Tooke will
                  receive 11.25% of net operating income.

      5.    Venue. In the event of any litigation, arbitration or dispute
            resolution arising out of or in any way related to this Loan, proper
            venue for resolution of this dispute shall be Oakland County,
            Michigan. At all times, this Agreement shall be construed and
            governed by the laws of the State of Michigan.

      6.    Indemnification. AmeriFirst hereby agrees to indemnify, defend and
            hold harmless Tooke from any and all claims, loss, liability, costs
            and damage, including without limitation court costs and attorney
            fees incurred by Tooke arising out of or connected with, directly or
            indirectly with the operations of AmeriFirst, this Loan Agreement
            and the Guaranty.

      7.    Board of Directors. Tooke's member, John Tooke, shall at all times
            serve on the Board of Directors of AmeriFirst, or any affiliate and
            subsidiary thereof.

      8.    Officer. Tooke shall at all times serve as an officer of AmeriFirst
            or any affiliate or subsidiary thereof.

      9.    Salaries. Any and all salaries or distributions distributed to
            Tooke, Denise Mugerdician ("Mugerdichhian") or Irving Strickstein, a
            member of I.Y. S. III, LLC ("Strickstein"), (collectively, the
            "Principals") shall also be distributed to the other two principals,
            other than a salary paid to Tooke in the amount of Eight Thousand ($
            8,000) Dollars per month.

      10.   Buy-Sell Agreement. The Principals shall enter into a Buy-Sell
            Agreement within two years of the date when the first funds have
            been advanced to AmeriFirst by Tooke, Dow Ridge Associates, LLC or
            I.Y.S. III, LLC, a Michigan limited liability company. In the
            interim, should any of the Principals desire to sell or otherwise
            transfer any interest in AmeriFirst, the other Principals shall have
            the right to purchase the shares to be sold. Tooke shall determine a
            sale price, and the remaining Principal shall have the option to
            purchase the selling Principal's shares at that price and terms, or
            sell their shares at that same price and terms.

      11.   Encumbrances. Any and all outstanding stock certificates as well as
            any stock certificates issued in the future shall bear a legend
            restricting a shareholder from disposing of any shares of
            AmeriFirst, including pledging of shares of AmeriFirst or any other
            encumbrances on the stock, without unanimous written consent of all
            shareholders of AmeriFirst.

      12.   Legal Fees. All legal fees associated with AmeriFirst or Tooke shall
            be paid by AmeriFirst or Tooke.

      13.   Tooke's Duties. Tooke shall devote his full time and attention to
            his duties at AmeriFirst.

      14.   Non-Compete. Upon execution of a formal agreement, Tooke,
            Mugerdician and Strickstein will enter in to a Non-Compete Agreement
            which will cover a period of three years from the date of the
            termination of his employment with AmeriFirst.

      15.   Binding Effect. This Agreement shall be binding and inure to the
            benefit of the parties hereto and their representatives, respective
            heirs, successors and assigns.

      16.   Amendment. This Agreement may be amended only by written agreement
            signed by all parties hereto.

<PAGE>

      17.   Construction. Words used in the singular, neuter or masculine are to
            be construed in the plural, masculine or feminine, where applicable.

      18.   Severability. If any provision of this Agreement is found by a Court
            of competent jurisdiction to be invalid or unenforceable for any
            reason whatsoever, this shall not affect the validity or
            enforceability of any other provision hereof.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement the year and
date first above written.

WITNESS:                              AMERIFIRST, INC., a Delaware Corporation

   /s/ Dan W. Armstrong               By  /s/ John Tooke
--------------------------------          ------------------------------------
                                              John Tooke

   /s/ Wendy Amaral                   Its Chief Executive Officer
--------------------------------          ------------------------------------

                                      JOHN TOOKE

   /s/ Dan W. Armstrong               By  /s/ John Tooke
--------------------------------          ------------------------------------
                                              John Tooke

   /s/ Wendy Amaral
--------------------------------Exhibit 10.14

                                 PROMISSORY NOTE

$ 250,000                                            Ponte Vedra Beach, Florida
                                                     November 1, 2002

      FOR VALUE RECEIVED, AmeriFirst, Inc., a Delaware corporation, of 814 A1A
North, Suite 300, Ponte Vedra Beach, Florida 32082 (hereinafter referred to as
the "Debtor") promises to pay to the order of John Tooke, 814 A1A North, Suite
300, Ponte Vedra Beach, Florida 32082 (hereinafter referred to as the "Holder"),
at such place as the Holder may designate in writing, the principal sum of Two
Hundred Fifty Thousand ($ 250,000) Dollars, together with interest at a rate
equal to one (1%) percent over the prime rate as charged by Comerica Bank, per
annum, on the unpaid balance in lawful money of the United States, which shall
be legal tender in payment of all debts and due, public and private, at the time
of payment as follows:

      Payments of principal and interest shall be payable in full Holder upon
      receipt of the first advances of funds from any source to Debtor, after
      payment of Debtor's operating expenses.

      This Note may be prepaid, in full or in part, at any time, without the
payment of any prepayment fee or penalty. Any payments shall first be applied to
accrued interest and the balance against the principal. Any partial prepayment
shall not extend or postpone the Due Date.

      If Debtor shall fail to perform any of Debtor's obligations hereunder,
then a default of Debtor's obligations hereunder shall be deemed to have
occurred. If such a default occurs, then during such time as such default
thereafter remains uncured, the Holder of this Note shall have the rights and
remedies of a secured party under the Michigan Uniform Commercial Code.

      No delay on the part of the Holder in exercising any right under this Note
shall operate as a waiver of the right or of any other right under this note.
The waiver of a right on any one occasion shall not be construed as the waiver
of the right or remedy on any future occasion.

      The Debtor hereby waives presentment for payment, demand, notice of
non-payment, notice of protest and protest of this Note, and diligence in
collection or bringing suit.

      If the Debtor is in default and all indebtedness owing under this Note is
due and payable, the Debtor agrees to pay the Holder's costs of collection,
including reasonable attorney's fees and court costs incurred by the Holder in
enforcing collection of this Note.

      Debtor acknowledges that Holder may assign this Note to any person or
entity at any time without prior notice to Debtor.

      This obligation shall bind the Debtor and the Debtor's successors and
assigns, and the benefits hereof shall inure to the Holder hereof and his
successors and assigns.

      This Note shall be executed contemporaneously with a personal guaranty,
wherein John Tooke guarantees to Holder the prompt payment, collection in full
and performance of all obligations under this Note.
<PAGE>

      In the event Debtor borrows an additional sum over and above the Two
Hundred Fifty Thousand ($ 250,000) Dollars represented by this Note, Debtor
agrees to execute any and all documents requested by Holder, including an
amended and restated promissory note to reflect additional borrowed.

      IN WITNESS WHEREOF, the undersigned agree to be liable for the obligations
under this Promissory Note and have duly executed said instrument on November 1,
2002.

                                        Debtor:

                                        AMERIFIRST, INC., a Delaware corporation

                                        By  /s/ John Tooke
                                            ------------------------------------
                                                John Tooke

                                        Its Chief Executive Officer
                                            ------------------------------------

                                PERSONAL GUARANTY

      The undersigned hereby guarantees prompt payment and performance of the
obligations of Debtor under this Promissory Note.

                                        /s/ John Tooke
                                            ------------------------------------
                                            John Tooke

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