Document:

Exhibit 10.5

                                  SECURED NOTE

     FOR  VALUE  RECEIVED,   TELTRAN   INTERNATIONAL  GROUP,  LTD.,  a  Delaware
corporation  (hereinafter  called  "Maker"),  hereby promises to pay to Relocate
411.com, Inc.(the "Holder") or order, on November 25, 2000 (the "Maturity Date")
the sum of One Million One Hundred Thousand Dollars ($1,117,602.00), with simple
interest  accruing at the annual rate of nine and one half (9 1/2%) percent,  as
such date may be accelerated by the Holder.  Notwithstanding the foregoing, this
Note shall  immediately  become due and payable  within three (3) business  days
after the Maker receives net proceeds from financing or sale of an assets of the
Maker or any subsidiary.

     The Note is  secured  with all share of Teltran  Web  Factory  Limited  per
separate Charge Over Share Agreement and 600,000 shares of common stock of Antra
Holdings  Group,  Inc. and 600,000  shares of Maker's  common stock per separate
Stock Pledge Agreement.

     Maker may,  at any time,  prepay  the unpaid  Loan  Amount,  including  any
accrued interest thereon,  in whole or in part,  without penalty or premium,  by
paying to Lender,  in cash or by wire transfer or immediately  available federal
funds, the amount of such prepayment. If any such prepayment is less than a full
repayment, then such prepayment shall be applied first to the payment of accured
interest and the remaining balance shall be applied to the payment of principal.

     Except as set forth  elsewhere  herein,  Maker,  for  itself  and its legal
representatives, successors, and assigns, expressly waives presentment, protest,
demand, notice of dishonor, notice of nonpayment,  notice of maturity, notice of
protest, notice of intent to accelerate, notice of acceleration, presentment for
the purpose of accelerating maturity, and diligence in collection.

     Occurrence  of any of the following  shall  constitute an event of default:
(a) the  nonpayment  of any  principal  or  interest  by Maker on the Note for a
period of five (5) business days after the same becomes due and payable; (b) the
entry of a decree or order by a court having appropriate  jurisdiction adjudging
Maker a bankrupt or insolvent, or approving as properly filed a petition seeking
reorganization or liquidation of Debtor under the Federal  Bankruptcy Act or any
other  applicable  federal or state law, or  appointing a receiver,  liquidator,
assignee or trustee  over any  substantial  portion of the  Maker's  property or
ordering the winding up or  liquidation of its affairs,  and the  continuance of
any such  decree  or order  unstayed  and in effect  for a period of sixty  (60)
consecutive  days; (c) the institution by Maker of proceedings to be adjudicated
a bankrupt or insolvent,  or the consent by it to the  institution of bankruptcy
or  insolvency  proceedings  against  it, or the filing by it of a  petition  or
answer or consent seeking  reorganization or relief under the

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<PAGE>

Federal  Bankruptcy Act or any other applicable federal or state law, or consent
by it to the filing of any such  petition or to the  appointment  of a receiver,
liquidator,  assignee or trustee of the Maker, or of any substantial part of its
property,  or the  Collateral,  as defined in the Loan and  Security  Agreement,
shall  become  subject  to the  jurisdiction  of a federal  bankruptcy  court or
similar state court, or if Maker shall make an assignment for the benefit of its
creditors,  or if  there  is an  attachment,  receivership,  execution  or other
judicial  seizure,  or if  there  is an  admission  in  writing  by Maker of its
inability  to pay its debts  generally  as they  become  due,  or the  taking of
corporate  action by Maker in furtherance of any such action;  (d) any warranty,
covenant,  or  representation  made to Holder under the Loan  Agreement,  or any
related  agreement  executed in connection with the loan made by Holder to Maker
on May 25, 2000  (collectively  Loan Documents) proves to have been false in any
material respect when made or furnished;  (e) Maker's failure to comply with any
material  term,  obligation,  covenant,  or  condition  contained  in  Loan  and
Securities  Purchase  Agreement dated this date; or (f) any sale,  transfer,  or
disposition of any interest in the Collateral, other than in the ordinary course
of business,  without the prior  written  consent of Secured  Party;  or (g) any
other default under the terms of the Note;  or (h) any money  judgment,  writ or
similar  final  process  shall be entered or filed  against  maker or any of its
property or other  assets for more than  $50,000,  and shall  remain  unvacated,
unbonded  or  unstayed  for a period of  forty-five  (45) days or (i) failure to
register the shares of common stock of Maker as provided in Loan Agreement.

     The following terms shall apply to this Note:

     Except for  monetary  amounts  due on the  Maturity  Date,  accelerated  or
otherwise,  the Maker shall have a ten (10) day grace period to pay any monetary
amounts due under this Note, after which grace period a default interest rate of
16% per annum shall apply to the amounts owed hereunder.

     Any notice herein required or permitted to be given shall be in writing and
may be personally served or sent by fax transmission (with copy sent by regular,
certified or registered mail or by overnight courier).  For the purposes hereof,
the  address  and fax  number of the  Holder  is as set forth on the first  page
hereof.  The address and fax number of the Maker shall be Teltran  International
Group, Ltd., One Penn Plaza, New York, New York 10119,  telecopier number: (212)
643-1997.  Both  Holder  and Maker may  change  the  address  and fax number for
service  by  service  of  notice  to the  other as  herein  provided.  Notice of
Conversion  shall be deemed given when made to the Escrow Agent  pursuant to the
Escrow Agreement.

     The  term  "Note"  and  all  reference  thereto,  as used  throughout  this
instrument,  shall mean this  instrument  as  originally  executed,  or if later
amended or supplemented, then as so amended or supplemented.

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<PAGE>

     This Note shall be binding upon the Maker and its  successors  and assigns,
and shall inure to the benefit of the Holder and its successors and assigns, and
may be assigned by the Holder.

     This Note shall be governed by and construed in accordance with the laws of
the State of New York.  Any action  brought by either  party  against  the other
concerning the transactions contemplated by this Agreement shall be brought only
in the state courts of New York or in the federal courts located in the state of
New York.  Both parties and the  individual  signing this Agreement on behalf of
the Maker agree to submit to the  jurisdiction  of such courts.  The  prevailing
party  shall  be  entitled  to  recover  from the  other  party  its  reasonable
attorney's fees and costs.

     Nothing  contained  herein  shall be deemed to  establish  or  require  the
payment  of a rate of  interest  or  other  charges  in  excess  of the  maximum
permitted by applicable law. In the event that the rate of interest  required to
be paid or other charges hereunder exceed the maximum permitted by such law, any
payments in excess of such maximum shall be credited against amounts owed by the
Maker to the Holder and thus refunded to the Maker.

     This Note is secured by a security interest granted to Holder pursuant to a
Security  Agreement  delivered by Maker to Holder.  The Maker  acknowledges  and
agrees  that should a  proceeding  under any  bankruptcy  or  insolvency  law be
commenced by or against the Maker,  or if any of the  Collateral  (as defined in
the  Security  Agreement)  should  become  the  subject  of  any  bankruptcy  or
insolvency proceeding, then the Holder should be entitled to, among other relief
to which  the  Holder  may be  entitled  under  the  ("Loan  Documents")  and/or
applicable  law,  an order from the court  granting  immediate  relief  from the
automatic  stay  pursuant  to 11  U.S.C.  Section  362 to permit  the  Holder to
exercise all of its rights and remedies  pursuant to the Loan  Documents  and/or
applicable  law. THE MAKER  EXPRESSLY  WAIVES THE BENEFIT OF THE AUTOMATIC  STAY
IMPOSED BY 11 U.S.C. SECTION 362. FURTHERMORE,  THE Maker EXPRESSLY ACKNOWLEDGES
AND AGREES  THAT  NEITHER  11 U.S.C.  SECTION  362 NOR ANY OTHER  SECTION OF THE
BANKRUPTCY  CODE OR OTHER STATUTE OR RULE  (INCLUDING,  WITHOUT  LIMITATION,  11
U.S.C. SECTION 105) SHALL STAY, INTERDICT,  CONDITION,  REDUCE OR INHIBIT IN ANY
WAY THE  ABILITY OF THE HOLDER TO ENFORCE ANY OF ITS RIGHTS AND  REMEDIES  UNDER
THE LOAN  DOCUMENTS  AND/OR  APPLICABLE  LAW. The Maker  hereby  consents to any
motion for relief  from stay which may be filed by the Holder in any  bankruptcy
or insolvency proceeding initiated by or against the Maker and, further,  agrees
not to file any  opposition  to any  motion  for  relief  from stay filed by the
Holder.  The Maker represents,  acknowledges and agrees that this provision is a
specific and material  aspect of the Loan  Documents,  and that the Holder would
not agree to the terms of the Loan  Documents  if this waiver were not a part of
this Note.  The Maker  further  represents,  acknowledges  and agrees  that this
waiver is knowingly, intelligently and voluntarily made, that neither the Holder
nor any person acting

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<PAGE>

on behalf of the Holder has made any representations to induce this waiver, that
the Maker has been represented (or has had the opportunity to be represented) in
the signing of this Note and the Loan Documents and in the making of this waiver
by  independent  legal counsel  selected by the Maker and that the Maker has had
the  opportunity  to discuss this waiver with counsel.  The Maker further agrees
that any bankruptcy or insolvency proceeding initiated by the Maker will only be
brought in courts within the geographic boundaries of New York State.

     IN WITNESS WHEREOF,  Maker has caused this Note to be signed in its name by
its Chief Executive Officer on this 25th day of May. 2000.

                                            TELTRAN INTERNATIONAL GROUP, LTD.

                                            By: /s/ [ILLEGIBLE]
                                               ----------------------------

WITNESS:

/s/ [ILLEGIBLE]
-------------------------------

                                       4Exhibit 10.6

                             STOCK PLEDGE AGREEMENT

     STOCK PLEDGE AGREEMENT, dated as of May 25, 2000 (the "Agreement"), between
TELTRAN  INTERNATIONAL GROUP, LTD. (the "Pledgor"),  and RELOCATE 411.COM,  INC.
(the "Pledgee").

                               W I T N E S E T H :
                                - - - - - - - - -

     WHEREAS,  the Pledgor has  delivered  to the Pledgee a Secured Note made on
May 25, 2000 (the "Promissory  Note")pursuant to a Loan and Securities  Purchase
Agreement (the "Agreement");

     WHEREAS,  the Pledgor wishes to grant security and assurance to the Pledgee
in order to secure the payment of the Pledgor's obligations under the Promissory
Note; and

     NOW,  THEREFORE,  in  consideration  of the  foregoing  and other  benefits
accruing  to the  Pledgor,  the  receipt  and  sufficiency  of which are  hereby
acknowledged,  the  Pledgor  hereby  makes  the  following  representations  and
warranties  to the Pledgee and hereby  covenants and agrees with the Pledgee and
Pledge Agent as follows:

     1. SECURITY FOR  OBLIGATIONS  This Agreement is made by the Pledgor for the
benefit of the Pledgee to secure:

          (i) the full  and  prompt  payment  when due  (whether  at the  stated
     maturity,  by  acceleration or otherwise) of the principal of, and interest
     on, the Promissory Note; and

          (ii) in the event of any  proceeding for the collection or enforcement
     of any indebtedness,  obligations or liabilities of the Pledgor referred to
     in clause (i) above,  after an Event of Default  (as defined  below)  shall
     have  occurred  and be  continuing,  the  reasonable  expenses of retaking,
     holding, preparing for sale, selling or otherwise disposing of or realizing
     on  the  Collateral,  or of  any  exercise  by the  Pledgee  of its  rights
     hereunder, together with reasonable attorneys' fees and court costs;

all such  obligations,  liabilities,  sums and expenses set forth in clauses (i)
and (ii) of this Section 1 being collectively called the "Obligations".

     As used herein the term "Event of Default"  shall mean any payment  default
on any of the  Obligations  after the expiration of any applicable  grace period
and the term "Default" as used herein shall mean any event which, with notice or
lapse of time, or both, would become an Event of Default.

<PAGE>

     2.  DEFINITION OF PLEDGED  STOCK.  As used herein the term "Pledged  Stock"
shall mean the shares of capital stock described in Annex I hereto.  The Pledgor
represents  and  warrants  that on the date  hereof the Pledgor is the holder of
record and sole beneficial owner of the Pledged Stock and there exist no options
or preemptive rights in respect of any of the Pledged Stock.

     3. PLEDGE OF STOCK, ETC.

     (a) To secure the Obligations as set forth in Section 1 hereof, the Pledgor
hereby (i) grants to the Pledgee a security  interest in all of the  Collateral,
(ii)  pledges and  deposits  with the Pledge  Agent on behalf of the Pledgee the
Pledged  Stock  owned by the  Pledgor on the date  hereof,  and  delivers to the
Pledgee  certificates  or  instruments  therefor,  accompanied  by undated stock
powers  duly  executed in blank by the  Pledgor,  or such other  instruments  of
transfer  as are  reasonably  acceptable  to the  Pledgee,  and  (iii)  assigns,
transfers,  grants,  hypothecates  and  sets  over  to  the  Pledgee  all of the
Pledgor's  right,  title and interest in and to the Pledged Stock (and in and to
the certificates or instruments evidencing the Pledged Stock), to be held by the
Pledgee upon the terms and conditions set forth in this Agreement.

     (b) All  Pledged  Stock at any  time  pledged  or  required  to be  pledged
hereunder together with all other securities and moneys received and at the time
held by the Pledgee hereunder, is hereinafter called the "Collateral."

     (c) The shares of Pledged Stock  constituting  the Collateral have not been
registered  under the  Securities Act of 1933 (the "Act").  Consequently,  these
shares  may not be sold  unless  there  is an  existing  registration  statement
covering  the resale of these  shares or these  shares are sold  pursuant  to an
exemption  from  such  registration   requirements.   Pledgee  acknowledges  the
foregoing  and  will  only  dispose  of  these  shares   consistent   with  such
requirements.  Pledgor is obligated to register Pledgor's shares pursuant to the
Acquisition  Agreement.  Pledgor also  represents  the shares of Antra  Holdings
Group,  Inc. have been held for one year the required  holding period under Rule
144 promulgated under the Act.

     4. DIVIDENDS AND OTHER  DISTRIBUTIONS.  All dividends payable in respect of
the  Pledged  Stock  shall  be  paid  to the  Pledgee  and  held  as  additional
Collateral.

     5. REMEDIES IN CASE OF EVENT OF DEFAULT.  In case an Event of Default shall
have occurred and be  continuing,  the Pledgee shall be entitled to exercise all
of the rights, powers and remedies (whether vested in it by this Agreement,  the
Promissory  Note or by law) for the protection and  enforcement of its rights in
respect  of  the  Collateral,   and  the  Pledgee  shall  be  entitled,  without
limitation, to exercise the following rights, and the following provisions shall
apply, all of which the Pledgor hereby agrees to be commercially reasonable:

     (a) (i) sell,  assign and/or  deliver all or any part of the  Collateral at
public or  private  sale upon such  commercially  reasonable  terms and for such
considerations as the Pledgee, in his sole discretion, shall deem advisable, and
without demand, advertisement or notice of any

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<PAGE>

kind,  except to the extent  required by  applicable  law, (ii) exercise all the
rights and  remedies of a secured  party under the  Uniform  Commercial  Code in
effect in the State of New York at that time (the  "UCC")(whether or not the UCC
applies to the Collateral at issue) and (iii) exercise any other right or remedy
set forth  herein in lieu of or in  addition  to the  foregoing  or which may be
available to it under applicable law or proceeded by appropriate court action to
enforce the terms of any or all of this Agreement or to recover  damages for the
breach hereof.

     (b) The Pledgor hereby waives and releases to the fullest extent  permitted
by law any right or equity of redemption with respect to the Collateral, whether
before or after sale  hereunder,  and all  rights,  if any,  of  marshaling  the
Collateral and any other security for the Obligations or otherwise.  At any such
sale,  unless prohibited by applicable law, the Pledgee may bid for and purchase
all or any part of the  Collateral so sold free from any such right or equity of
redemption.  The  Pledgee  shall  neither  be liable  for  failure to collect or
realize upon any or all of the Collateral or for any delay in so doing nor shall
it be under any obligation to take any action whatsoever with regard thereto.

     6. REMEDIES,  ETC.,  CUMULATIVE.  Each and every right, power and remedy of
the Pledgee  provided for in this  Agreement,  the  Promissory  Note,  or now or
hereafter  existing at law or in equity or by statute  shall be  cumulative  and
concurrent and shall be in addition to every other such right, power or remedy.

     7. APPLICATION OF PROCEEDS.  Any cash held by the Pledgee as Collateral and
all cash  proceeds  received by the Pledgees in respect of any sale,  collection
from, or other  realization  upon all or any part of the Collateral  may, in the
discretion of the Pledgee, be held by the Pledgee as collateral for, and/or then
or at any time  thereafter  applied in whole or in part by the Pledgee  against,
all or any part of the Obligations in such order as the Pledgee shall elect. Any
surplus of such cash or cash proceeds  held by the Pledgee and  remaining  after
payment  in full of all  Obligations  shall be paid  over to the  Company  or to
whomever may be lawfully  entitled to receive such  surplus.  If the proceeds of
the sale of the Collateral are insufficient to pay all of the  Obligations,  the
Company agrees to pay upon demand any deficiency to the Pledgee.

     8. PURCHASERS OF COLLATERAL. Upon any sale of the Collateral by the Pledgee
hereunder  (whether by virtue of the power of sale herein  granted,  pursuant to
judicial process or otherwise), the receipt of the Pledgee or the officer making
the sale shall be a sufficient  discharge to the  purchaser or purchasers of the
Collateral so sold, and such  purchaser or purchasers  shall not be obligated to
see to the  application  of any  part of the  purchase  money  paid  over to the
Pledgee or such officer or be  answerable in any way for the  misapplication  or
non-application thereof.

     9. INDEMNITY. The Pledgor agrees to indemnify and hold harmless the Pledgee
from and against any and all claims, demands,  losses, judgments and liabilities
(including  liabilities  for  penalties)  of whatsoever  kind or nature,  and to
reimburse  the  Pledgee  for  all  costs  and  expenses,   including  reasonable
attorneys'  fees,  growing  out of or  resulting  from the  enforcement  of this

                                       3

<PAGE>

Agreement  or the  exercise by the Pledgee of any right or remedy  granted to it
hereunder or under the Promissory  Note,  provided that the Pledgee shall not be
indemnified pursuant to this Section 9 for losses, damages or liabilities to the
extent  caused  by  such  Pledgee's  gross  negligence,  bad  faith  or  willful
misconduct.  In no event  shall the Pledgee be liable for any matter or thing in
connection  with this  Agreement  other  than to  account  for  moneys  actually
received by it in  accordance  with the terms hereof and thereof.  If and to the
extent  that  the   obligations   of  the  Pledgor  under  this  Section  9  are
unenforceable  for any  reason,  the Pledgor  hereby  agrees to make the maximum
contribution  to the  payment  and  satisfaction  of such  obligations  which is
permissible under applicable law.

     10.  FURTHER  ASSURANCES.  The  Pledgor  agrees  that it will join with the
Pledgee in executing and, at its own expense,  file and refile under the Uniform
Commercial  Code such financing  statements,  continuation  statements and other
documents  in such  offices as the  Pledgee may  reasonably  deem  necessary  or
appropriate  and  wherever  required or permitted by law in order to perfect and
preserve the Pledgee's security interest in the Collateral and hereby authorizes
the Pledgee to file financing  statements and amendments thereto relative to all
or any  part of the  Collateral  without  the  signature  of the  Pledgor  where
permitted  by law,  and agrees to do such further acts and things and to execute
and deliver to the Pledgee such additional conveyances,  assignments, agreements
and instruments as the Pledgee may reasonably require or deem advisable to carry
into effect the purposes of this Agreement or to further assure and confirm unto
the Pledgee its rights, powers and remedies hereunder.

     11. REPRESENTATIONS, WARRANTIES AND COVENANTS OF THE PLEDGOR.

     (a) The  Pledgor  represents,  warrants  and  covenants  that (i) it is the
legal, record and beneficial owner of all Pledged Stock pledged by it hereunder,
free and clear of any and all  adverse  claims,  except  the liens and  security
interests  created by this  Agreement;  (ii) (if an entity) it has the corporate
power and  authority to pledge all the Pledged  Stock  pledged by it pursuant to
this  Agreement,  and  this  Agreement  is its  valid  and  binding  obligation,
enforceable against it in accordance with its terms; (iii) all the shares of the
Pledged  Stock  have  been  duly  and  validly   issued,   are  fully  paid  and
non-assessable;  (iv) the pledge,  assignment  and delivery of the Pledged Stock
pursuant to this Agreement creates a valid and perfected first security interest
in the Pledged  Stock,  and the  proceeds  thereof,  subject to no prior lien or
encumbrance or to any agreement purporting to grant to any third party a lien or
encumbrance  on the  property or assets of the Pledgor  which would  include the
Pledged Stock; and (v) the Pledged Stock are not subject to any restriction upon
transfer pursuant to federal or state securities laws.

     (b) The Pledgor  covenants  and agrees  that it will  defend the  Pledgee's
right,  title and security interest in and to the Pledged Stock and the proceeds
thereof  against  the claims  and  demands of all  persons  whomsoever;  and the
Pledgor covenants and agrees that it will have like title to and right to pledge
any other  property at any time  hereafter  pledged to the Pledgee as Collateral
hereunder  and will  likewise  defend the right  thereto and  security  interest
therein of the Pledgee.

                                       4

<PAGE>

     12.  PLEDGORS'  OBLIGATIONS  ABSOLUTE,  ETC. The obligations of the Pledgor
under this  Agreement  shall be absolute and  unconditional  and shall remain in
full force and effect without  regard to, and shall not be released,  suspended,
discharged,  terminated or otherwise affected by, any circumstance or occurrence
whatsoever, including, without limitation: (a) any renewal, extension, amendment
or  modification of or addition or supplement to or deletion from the Promissory
Note  or any  other  instruments  or  agreements  referred  to  therein,  or any
assignment  or transfer of any  thereof;  (b) any  waiver,  consent,  extension,
indulgence or other action or inaction under or in respect of any such agreement
or instrument including,  without limitation, this Agreement; (c) any furnishing
of any  additional  security to the Pledgee or its  respective  assignees or any
acceptance  thereof  or any  release  of any  security  by  the  Pledgee  or its
respective assignees; (d) any limitation on any party's liability or obligations
under any such instrument or agreement or any invalidity or unenforceability, in
whole or in part, of any such  instrument  or agreement or any term thereof;  or
(e) any  bankruptcy,  insolvency  or other  similar  proceeding  relating to the
Pledgor,  or any action taken with  respect to this  Agreement by any trustee or
receiver,  or by any court, in any such  proceeding,  whether or not the Pledgor
shall have notice or knowledge of any of the foregoing.

     13.  TERMINATION;  RELEASE.  After the Obligations  have been paid in full,
this Agreement and the security interest granted  hereunder shall  automatically
terminate,  and the  Pledgee,  at the request and expense of the  Pledgor,  will
execute and deliver to the Pledgor a proper  release  instrument or  instruments
(including any termination  statements  required to be filed under the UCC Code)
acknowledging the satisfaction and termination of this Agreement and the release
of the security interest granted  hereunder,  and will instruct the Pledge Agent
to duly  assign,  transfer  and deliver to the  Pledgor  (without  recourse  and
without any representation or warranty) such of the Collateral of the Pledgor as
may be in the possession of the Pledgee and as has not theretofore  been sold or
otherwise  applied or released  pursuant to this  Agreement,  together  with any
moneys of the Pledgor at the time held by the Pledgee hereunder.

     14. NOTICES,  ETC. Except as otherwise  specified  herein,  all notices and
other  communications  hereunder  shall be in writing and mailed,  telecopied or
delivered by courier as follows:

     (a)  if to the Pledgor, at:

          Teltran International Group, Ltd.
          One Penn Plaza
          New York, New York 10019

     (b)  if to Pledgee, at:

          Relocate 411.com Inc.
          One Penn Plaza
          New York, NY 10019

          Facsimile number:

                                       5

<PAGE>

or at such other  address as shall be designated in writing by such party to the
other party hereto. All such notices and communications  shall be effective upon
receipt.

     15. WAIVER;  AMENDMENT.  None of the terms and conditions of this Agreement
may be changed,  waived,  modified or varied in any manner  whatsoever except in
writing signed by the Pledgor and the Pledgee.

     16. MISCELLANEOUS.

     (a) This Agreement  shall be binding upon the successors and assigns of the
Pledgor and shall inure to the benefit of and be  enforceable by the Pledgee and
its respective successors and assigns;  provided that the Pledgor may not assign
or  transfer  any of its rights or  obligations  hereunder  without  the written
consent  of the  Pledgee.  Pledgee  and its  assigns  may at any time  transfer,
assign, pledge or grant a security interest in its rights hereunder.

     (b) THIS AGREEMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES  HEREUNDER
AND THE HOLDER OF THE NOTE SHALL BE CONSTRUED  AND ENFORCED IN  ACCORDANCE  WITH
AND GOVERNED BY THE LAW OF THE STATE OF NEW YORK.

     (c) The headings in this  Agreement are for purposes of reference  only and
shall not limit or define the meaning hereof.  This Agreement may be executed in
any number of counterparts, each of which shall be an original, but all of which
shall  constitute  one  instrument.  In the  event  that any  provision  of this
Agreement  shall prove to be invalid or  unenforceable,  such provision shall be
deemed to be severable from the other  provisions of this Agreement  which shall
remain binding on all parties hereto.

     IN WITNESS WHEREOF,  the Pledgor and the Pledgee have caused this Agreement
to be executed by its respective duly elected officer duly  authorized,  in each
case as of the date first above written.

                                              TELTRAN INTERNATIONAL GROUP, LTD.

                                              By: /s/ [ILLEGIBLE]
                                                 ------------------------------
                                                                    (As Pledgor)

                                              RELOCATE 411.COM, INC.

                                              ----------------------------------
                                                                    (As Pledgee)

                                       6

<PAGE>

                                     ANNEX I
                                       to
                             Stock Pledge Agreement

                                  List of Stock

Name of Issuing Corporation            Type of Shares          Number of Shares
---------------------------            --------------          ----------------
Teltran International Group, Ltd.      Common Stock            600,000

Antra Group Holdings, Inc.             Common Stock            600,000

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