Document:

INTERNATIONAL TELEMEDIA ASSOCIATES, INC.
                    CUSTOMER BILLING AND COLLECTION CONTRACT

     This contract  (hereinafter  referred to as this  "CONTRACT"),  dated 6/20.
1997, is entered into by and between International Telemedia Associates, Inc., a
Georgia  corporation  whose principal place of business is 340 Interstate  North
Parkway, Suite 200, Atlanta,  Georgia 30339,  (hereinafter referred to as "ITA")
and RCP Enterprises Group, Inc. a Delaware  corporation whose principal place of
business  is  42  Harrisson  St.,  Bedford,  Ohio  (hereinafter  referred  to as
"CUSTOMER"),  CUSTOMER  and  ITA are  hereinafter  collectively  referred  to as
"PARTIES."

     WHEREAS, ITA is engaged in the business of providing BILLING AND COLLECTION
SERVICES, as defined in Section 2.2 of this CONTRACT, and related services; and

     WHEREAS,  CUSTOMER is an IP or SB, as defined  below,  and desires to enter
into this CONTRACT for ITA to provide BILLING AND COLLECTION  SERVICES,  and any
related services referred to herein, in accordance with the terms hereof;

     NOW,   therefore,   for  and  in  consideration  of  the  mutual  promises,
agreements,   and  covenants   contained   herein,   the  sufficiency  of  which
consideration is hereby acknowledged, ITA and CUSTOMER hereby agree as follows:

1.   ADDITIONAL  DEFINITIONS:  The  following  definitions  shall  apply for all
purposes of this Agreement:

     1.1       ADVERTISEMENTS(S):   layouts,  artwork,  pictures,  text,  video,
               audio,  programs  and  materials  used  in  selling,   promoting,
               marketing and advertising  CUSTOMER CALL TRANSACTIONS  including,
               but not limited to, those used in print media,  radio  broadcast,
               television broadcast, and direct mail.

     1.2       ANI:  automatic  number   identification  (the  telephone  number
               identifying the CALLER).

     1.3       BILLING AND COLLECTION SERVICES: See 2.2

     1.4       CALL  DETAIL(S):  data  relating  to CALL  TRANSACTIONS  which si
               provided to ITA for billing  purposes.  The data  relating to the
               charges  for any one CALL  TRANSACTION  is referred to as a "CALL
               DETAIL."

     1.5       CALLER(S):  customer of both  CUSTOMER  and other IP's engaged in
               CALL TRANSACTIONS.

     1.6       CALL  TRANSACTION(S):  the  providing  of a service or product by
               telephone (or  otherwise)  with respect to which  billings can be
               placed on the local telephone bills of purchasers of the services
               and products.

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     1.7       CERTIFICATION  AGREEMENT:  any agreement  signed by ITA and an IP
               and/or  an SB  whereby  such IP and/or SB  warrant,  among  other
               things, that the CALL DETAILS submitted or to be submitted to ITA
               on behalf of an IP for billing  and  collection  represent  valid
               arms length CALL  TRANSACTIONS  between that IP and IP's CALLERS.
               CALL  DETAILS may be submitted  directly  from an IP or SB to ITA
               only  pursuant  to and in strict  accordance  with the terms of a
               CERTIFICATION AGREEMENT.

     1.8       CERTIFICATION  REQUIREMENTS:  the requirements and conditions set
               forth in any  CERTIFICATION  AGREEMENT which must be met in order
               for an IP or SB to transmit CALL DETAILS directly to ITA.

     1.9       CHARGEBACK: The amount of a credit or adjustment to a LOCAL PHONE
               BILLING issue by ITA pursuant to its rights under this  CONTRACT,
               or issued by a LEC pursuant to an applicable  LEC B&C  AGREEMENT,
               or the amount of any LOCAL PHONE BILLING which is not paid by the
               CALLER.

     1.10      CHARGEBACK  RESERVES:  portions and percentages of sums collected
               from LECs which are withheld from sums paid over to IP's and SB's
               and  held  as  a  reserve   against  the  possibility  of  future
               chargebacks by LECs against ITA resulting from  non-payments  by,
               chargeoffs of and reimbursements to CALLERS.

     1.11      CUSTOMER CALL TRANSACTIONS: all CALL TRANSACTIONS OF CUSTOMER.

     1.12      INFORMATION  PROVIDER  OR  IP:  any  originator  of  services  or
               products  available  via telephone  (or  otherwise)  that are the
               subject of CALL TRANSACTIONS.

     1.13      IP B&C AGREEMENT:  any billing and collection  agreement  between
               ITA and an IP including this CONTRACT.

     1.14      ITA  CHARGES:  per  CALL  TRANSACTION,  per  validation,  and per
               inquiry charges imposed by ITA.

     1.15      IXC: Interchange (long-distance) carrier.

     1.16      LAWS  AND  REGULATIONS:   all  federal,  state  and  local  laws,
               regulations, and ordinances and LEC and IXC policies, procedures,
               terms,  and conditions,  applicable now or in the future,  to the
               relationship  between  ITA  and  CUSTOMER  and  their  respective
               operations.

     1.17      LEC: local exchange carrier (local telephone company).

     1.18      LEC B&C AGREEMENTS: billing and collection agreements between ITA
               and any LEC.

     1.19      LEC CHARGES:  all per message,  per bill rendering,  per inquiry,
               and miscellaneous charges imposed by any LEC.

     1.20      LOCAL PHONE  BILLING OR LPB: the billing added to the local phone
               bill of any CALLER for CALL TRANSACTIONS or that CALLER.

     1.21      PROGRAMS:  the  services or products  being  provided by CUSTOMER
               that are the  subject of  CUSTOMER  CALL  TRANSACTIONS  which may
               include,  but are not limited to,  audiotext  communications  and
               information,  live  voice  communications  and  information,  fax
               transmissions  and  services,  data  transmissions  and services,
               video  transmissions  and  services,  pager and beeper  services,
               voice mail services,  fulfillment  services,  sales of goods, and
               computer  online  services with respect to which  billings can be
               placed on the local telephone bills of purchasers of the services
               and products.

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     1.22      REGULATORY   AUTHORITY:   any  entity  which  is   authorized  to
               investigate   activities   and   practices  of  ITA  or  CUSTOMER
               concerning  CALL  TRANSACTIONS  and   ADVERTISEMENTS.   The  term
               REGULATORY AUTHORITY includes, but is not limited to, the Federal
               Communications  Commission  (FCC),  the Federal Trade  Commission
               (FTC),   state  attorneys  general  (AG),  state  Public  Service
               Commissions  (PSC),  and Public Utility  Commissions  (PUC),  and
               internal regulatory and/or investigatory departments within LEC's
               and IXC's.

     1.23      SERVICE  BUREAU OR SB: any entity that is not an IP but  supports
               an IP's operations by causing  content  supplied by that IP to be
               accessible  via  telephone  lines.  By way of  illustration  (not
               limitation),  SB's generally  provide these services  through the
               set-up and  operation of necessary  telecommunications  equipment
               and  through   arrangements  with  IXC's  for  900-NXX  or  other
               pay-per-call telephone line access.

     1.24      TAXES:  taxes and tax-like  fees,  penalties,  and charges of any
               governmental authority.

     1.25      TELEPHONE TRAFFIC: the aggregate number of CALL DETAILS generated
               by CUSTOMER and submitted to ITA for billing and collection.

     1.26      UNPAID LEGITIMATE CHARGES: That portion of the sums billed by the
               LECs on behalf of  CUSTOMER  that are  disputed  by  CALLERS,  or
               simply  not  paid  by  CALLERS,  including  CHARGEBACKS,   which,
               pursuant to applicable LAWS AND  REGULATIONS,  may be pursued for
               collection by CUSTOMER or its designee. Please see the Collection
               Addendum to CONTRACT which is attached hereto as Exhibit "D".

2.   DESCRIPTION OF BILLING AND COLLECTION SERVICES

     2.1       ITA  has  entered  into  LEC  B&C  AGREEMENTS  with a  number  of
               different  LEC's  providing  that ITA,  subject  to the terms and
               conditions set forth in those  agreements,  may transmit to those
               LEC's  CALL  DETAILS  for  specified  CALL  TRANSACTIONS  for the
               purposes of having  bills based on those CALL  DETAILS  placed on
               the  local  phone  bills  of  the  CALLERS.  Under  the  LEC  B&C
               AGREEMENTS,  the  LEC's  reserve  the right to  approve  each new
               program  prior to the start of  billing.  Subject  to each  LEC's
               right to  reject  any  program,  a list of the LEC's  which  will
               ordinarily  add billings for ITA's  customers will be supplied in
               diskette format or through ITA's bulletin board system.

     2.2       BILLING AND COLLECTION  SERVICES are understood by the PARTIES to
               include the following components:

     2.2.1     CALL  DETAIL  Transmission:  IXC's that are not  affiliated  with
               CUSTOMER  shall provide  CUSTOMER"S  CALL DETAILS to ITA,  except
               that  CUSTOMER or any SB of CUSTOMER  may  transmit  CALL DETAILS
               directly to ITA if CUSTOMER  and any SB of CUSTOMER  have entered
               into a CERTIFICATION AGREEMENT and all CALL DETAILS are submitted
               in strict accordance with the terms of such Agreement.

     2.2.2     CALLER   BILLING:   ITA  will  perform  certain  data  processing
               functions,  including the editing and rating of  CUSTOMER'S  CALL
               DETAILS for  submission  to LEC's with which ITA  maintains a LEC
               B&C AGREEMENT. In the event that IP's CALL DETAILS are determined
               to be  unsuitable  for  submission  to the LEC's for placement on
               CALLERS'  local phone bills for any  reason,  including,  but not
               limited to, technical  problems with CALL DETAILS,  nonconformity
               with  LAWS  AND  REGULATIONS<  failure  to meet  ITA of LEC  edit
               criteria,  ITA  policy  considerations,  and/or  LEC  contractual
               limitations  and  considerations,   thos  CALL  DETAILS  will  be
               returned to CUSTOMER by ITA as provided for herein.  Upon such an
               occurrence,  ITA shall have no further obligation to liability to
               perform BILLING AND COLLECTION  SERVICES relative to the returned
               CALL DETAILS. ALL CALL DETAILS passing the ITA edit criteria will
               be forwarded to each applicable LEC, as required, for billing

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               and  collection.  The LEC's will  purchase the CALL  TRANSACTIONS
               from  ITA,  on  behalf  of  CUSTOMER,  subject  to the  terms and
               conditions  contained in the  applicable  LEC B&C AGREEMENT  with
               that  LEC,  and  remit  funds to ITA  under  the  terms of and in
               accordance  with the schedule  provided in the applicable LEC B&C
               AGREEMENT.  Upon  receipt of these LEC remitted  funds,  ITA will
               account for an allocate  those funds,  ITA fees,  and  associated
               charges  and  CHARGEBACK   RESERVES,   in  accordance  with  this
               CONTRACT.

     Further, it is understood that pursuant to its LEC B&C AGREEMENTS, each LEC
has the  right  to  return  to ITA all CALL  DETAILS  it  deems  unsuitable  for
placement  on a  CALLER's  local  phone  bill.  This may occur  for any  reason,
including,  but not limited to,  incomplete or out-of-date ANI, blocked ANI, LEC
sale or transfer of an exchange, and/or any other changes of availability of LEC
coverage,  whether  instituted  by LEC,  ITA, any third party,  or a REGULATORTY
AUTHORITY.  ITA will account for and allocate  these LEC returns to CUSTOMER and
other  appropriate Ips pursuant to this CONTRACT or any other  applicable IP B&C
AGREEMENT.

     In addition,  it is understood  that pursuant to ITA's LEC B&C  AGREEMENTS,
the :LEC's retain the right to issue  adjustments or credits to CALLERS who may,
from time to time,  call the LEC's inquiry  centers.  When a ALL  TRANSACTION is
adjusted or credited by a LEC, the funds are deducted from ITA's remittance from
the LEC.  ITA will  account for and  allocate  these LEC returns to CUSTOMER and
other  appropriate IPs pursuant to this Contract and any other applicable IP B&C
AGREEMENT.

     Furthermore,  the  LEC's  will  calculate  for a bad  debt  reserve,  which
represents,  among other things,  gross billable revenue submitted by ITA to the
LECs that will not be collected  because of CALLERS'  nonpayment of local,  long
distance, and/or enhanced or premium rate pay-per-call services, The LEC's, from
time to time, will "true-up" or reconcile any overages or  insufficient  amounts
relative to maintenance of such LEC allocated bad debt reserves.  ITA will exert
reasonable  efforts to accurately  allocate such amounts among  CUSTOMER and any
other appropriate Ips.

     It is  expressly  agreed  that ITA shall have the right to make  reasonable
non-detailed accounting entries and corresponding adjustments to the amounts due
to CUSTOMER  under this  CONTRACT  relative to any CALL  TRANSACTIONS  or dollar
amounts where reasonable,  such as for example, where the LEC's fail to provide,
among other things,  the  completeness  of data necessary to make IP specific or
detailed   allocations.   In  assuming  and  making  the  distribution  of  such
non-detailed  adjustments  across all applicable  IP's including  CUSTOMER,  ITA
shall  take into  account  such  factors  as the IP's  gross  billable  revenue,
adjustment and credit history, and bad debt allowances.

     CUSTOMER  hereby  acknowledges  and  agrees  that the  CHARGEBACK  RESERVES
withheld by ITA pursuant to this  CONTRACT  and  Schedule A attached  hereto are
merely  estimates  of the  actual  chargeback  activity  related  to  CUSTOMER's
TELEPHONE  TRAFFIC  described by the  illustrations  set forth above, and do not
affect or in any way liit ITA's  rights to recourse,  reimbursement  and set-off
against CUSTOMER  pursuant to Section 19.1 below for all sums due by CUSTOMER to
ITA under this CONTRACT,  including  without  limitation the actual  chargeback,
unbillable and returns activity for CUSTOMER's TELEPHONE TRAFFIC.

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     2.2.3     Inquiry Handling:  ITA will handle CALLERS' inquiry and complaint
               calls,  and treat them in a manner  consistent  with the LAWS AND
               REGULATIONS and this CONTRACT.

     2.2.4     Disbursement:  ITA will remit funds to CUSTOMER or its designated
               payee  after  the  funds  have  been  received  fro the  LEC's as
               provided herein. If there exists no factoring relationship with a
               third-party  factor or if there exists no expedited  payment plan
               or option with ITA, remittance of funds will be as follows:

               Total of Funds Remitted from LEC Applicable to CUSTOMER

               minus   LEC Bad Debt Reserve Holdback (LEC Holdbacks  are subject
                       to change)
               minus   Applicable LEC CHARGES
               minus   ITA CHARGES
               minus   CHARGEBACK RESERVE Payments and Adjustments (See Schedule
                       A)
               minus   Other Fees, Interest, and/or Taxes

               equals  Net Funds Received by CUSTOMER

               ITA will exert  reasonable  efforts to promptly  direct all funds
               remitted from the LECs into a LEC depository  account.  ITA shall
               perform the  settlement  accounting in accordance  with the above
               outlined calculation, subject to any reserve adjustments pursuant
               to Section 2.2.2 and Schedule "A", and remit any net funds due to
               CUSTOMER or third party FACTOR.  CUSTOMER or its designated payee
               will instruct ITA in what manner and to what  location  funds are
               to be remitted. All funds due to FACTORS will be disbursed at the
               joint  direction  of ITA  and the  factors  as  described  in the
               applicable  factoring  agreement(s).  True-up  will  occur  at 18
               months  unless ITA  determines  there is a reasonable  likelihood
               that such true-up could result in overpayment being made.

     2.2.5     On a  periodic  basis,  ITA shall  provide  to  CUSTOMER  reports
               providing information such as calls paid, settled, unbillable, or
               uncollectible  and  any  portion  of a  settled  amount  that  is
               forgiven.

3.   OTHER DOCUMENTS

     3.1       It is expressly  understood and acknowledged that the BILLING AND
               COLLECTION SERVICES described herein are provided pursuant to and
               under the terms,  conditions,  rates, and charges as set forth in
               Schedule  A, which is hereby  made a part of this  CONTRACT.  The
               rates offered for any other services,  if any are to be provided,
               will be negotiated separately as the need arises.

4.   PRECEDENCE OF LAWS AND REGULATIONS

     4.1       It is expressly  understood and  acknowledged  that both CUSTOMER
               and ITA shall comply with all LAWS AND  REGULATIONS  which may be
               in effect from time to time.

     4.2       The PARTIES  further agree that this CONTRACT  shall at all times
               be  subject  to such  changes  or  modifications  of the LAWS AND
               REGULATIONS  as  may,  from  time to  time,  be  directed  by any
               REGULATORY AUTHORITY with appropriate jurisdiction; or as may, in
               the reasonable  view of ITA,  become  necessary due to changes or
               modifications of the LAWS AND REGULATIONS.

5.   DETARIFFING OF THE SERVICES

     5.1       Should it be  determined by any  appropriate  regulatory or other
               authority  that any or all of the  services  should  no longer be
               construed to fall under the  jurisdiction  and purview of some or
               all of the LAWS AND REGULATIONS, and provided that continuance of
               said services is otherwise legally permissible, the PARTIES agree
               to comply with and continue this CONTRACT for such services under
               the terms and  conditions  of this  CONTRACT  and  Schedule A and
               subject to any LAWS AND REGULATIONS that continue to apply.

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6.   TERM

     6.1       The term of this  CONTRACT  shall extend  twelve (12) months from
               the date of execution of this  CONTRACT.  Either PARTY shall have
               the right to terminate the obligations of CUSTOMER to forward new
               CALL  DETAILS  and of ITA to  accept  and bill  new CALL  DETAILS
               effective  at any time after the  expiration  of the twelve  (12)
               month period  provided the party  desiring to terminate has given
               the other party written notice a minimum of sixty (60) days prior
               to the  date of  termination.  Upon  any  such  termination,  the
               provisions of 17.2 shall apply.

     6.2       In the event any CALL DETAILS are provided by CUSTOMER to ITA and
               billed by ITA after the  termination  of this CONTRACT and before
               any other  contract is entered into,  the terms or this CONTRACT,
               with  any  modifications  in  effect  as  of  the  date  of  such
               termination,  shall  be  applicable  with  respect  to such  CALL
               DETAILS.

7.   CALL DETAIL TRANSMISSION

     7.1       CUSTOMER  will cause CALL DETAILS  (subject to the  CERTIFICATION
               REQUIREMENTS)  to be delivered to ITA via tape or other  mutually
               agreed upon data  medium.  ITA shall,  upon  request of CUSTOMER,
               rate CALL DETAILS as they are received from CUSTOMER according to
               pricing  informati9on  provided by CUSTOMER at least two weeks in
               advance of the effective daye of said pricing.

     7.2       All  such  CALL  DETAILS  delivered  to  ITA  will  be on an  "as
               processed  basis" and may represent CALL  TRANSACTIONS  occurring
               over more than one billing cycle.  However, no CALL DETAILS shall
               be delivered to ITA which represents CALL TRANSACTIONS  occurring
               more than  sixty  (60) days  prior to  delivery,  unless  special
               arrangements have been agreed to by the PARTIES in advance.

     7.3       CUSTOMER represents and warrants that CUSTOMER has clear title to
               and the right to collect for all CALL  DETAILS  submitted  to ITA
               for billing.

     7.4       The technical  method and schedule of data  transference  of CALL
               DETAILS shall be decided upon jointly by CUSTOMER and ITA.

8.   CALLER BILLING

     8.1       ITA does not purchase the CALL  DETAILS from  CUSTOMER  under the
               provisions of this CONTRACT,  but only agrees to exert reasonable
               efforts  to  cause  a  LOCAL  PHONE  BILLING.  Pursuant  to  this
               provision, CUSTOMER authorizes ITA to act in whatever capacity is
               necessary  to bill and collect the sums  represented  by the CALL
               DETAILS CUSTOMER submits. In particular,  CUSTOMER authorizes ITA
               to convey  these CALL DETAILS as accounts  receivable  solely for
               the  purpose  of  billing  and  collection  for  CUSTOMER  and/or
               factoring for CUSTOMER.

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     8.2       ITA agrees to make reasonable  efforts to keep CUSTOMER  informed
               of phone  numbers for which ITA has the ability to provide an LPB
               (by  providing  such  information  as  NPA's/NXX's,  territories,
               and/or local phone companies covered);  however, it is understood
               that  such  coverage  changes  regularly.  In that  regard  it is
               expressly  agreed that ITA shall have no liability for failing to
               notify  CUSTOMER for up to 3 months after ITA has lost particular
               coverage that ITA no longer has such  coverage.  CUSTOMER may, at
               its discretion, block traffic from potential CALLERS for whom ITA
               does not have the ability to provide an LPB.

     8.3       All CALL  TRANSACTIONS  shall be validated  through an authorized
               validation provider prior to service being provided. ITA RESERVES
               THE RIGHT,  AT ITA'S SOLE  DISCRETION,  TO POST-CALL  VALIDATE AT
               CUSTOMER's EXPENSE, ANY AND ALL CALLS PRIOR TO SUBMISSION OF CALL
               DETAILS TO THE LEC'S FOR  BILLING  AND  COLLECTION.  Pricing  for
               post-call validation is listed in Schedule A.

     8.4       ITA is not liable in any way to CUSTOMER  should CALL DETAILS not
               be placed on a local phone bill for any reasons  associated  with
               post-call validation criteria.

     8.5       It is further  agreed  that ITA shall not be liable in any way to
               CUSTOMER  should CALL DETAILS not be placed on a local  telephone
               bill  because it is not  financially  feasible to bill such calls
               (such as the  total of the CALL  DETAILS  is not of a  sufficient
               amount) or because  CALL  DETAILS are in violation of any term of
               this  CONTRACT or of any of the LAWS AND  REGULATIONS  or because
               not placeable  under any LEC B&C  Agreement,  or due to an honest
               mistake of ITA.

     8.6       The PARTIES to this CONTRACT are experienced in this industry and
               both realize  that no tape of CALL  DETAILS  which is supplied to
               ITA by CUSTOMER will be 100% billable.  ITA will attempt to cause
               as many of the CALL DETAILS to be billed as  reasonably  feasible
               with the exceptions set forth above,  and to perform such billing
               and collection in a reasonably efficient manner. ITA reserves the
               right to decide not to have billed or rebilled  any CALL  DETAILS
               of CUSTOMER.

9.   INQUIRY HANDLING

     9.1       It is  understood  that a  principal  part of ITA's  BILLING  AND
               COLLECTION SERVICES product is the handling of CALLER inquiries.

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     9.2       ITA shall process telephone  inquires and complaints from CALLERS
               related to the bills they have  received./  ITA my provide one or
               more 800 numbers or other telephone numbers for this purpose.

     9.3       CUSTOMER  shall  promptly  provide ITA with any  information  and
               materials  in regard to the nature of the  PROGRAMS  relating  to
               CALL  TRANSACTIONS  which  CUSTOMER has requested ITA to bill, or
               that ITA has billed,  including, but not limited to, any PROGRAMS
               that are the subject of one or more inquiries or complaints.  The
               information  and  materials  ITA may  request  at its  discretion
               include,  but  shall  not be  limited  to,  the  identity  of the
               provider of said  programming (in the event CUSTOMER is acting as
               an SB), current pricing and price history,  advertising  history,
               history of  chargebacks,  copies of PROGRAMS and  ADVERTISEMENTS,
               copies of advertising and promotional materials,  contracts,  and
               communications  between  CUSTOMER and other  companies  providing
               BILLING AND  COLLECTION  SERVICES  to  CUSTOMER  and a listing of
               other telephone numbers which carry the same or similar PROGRAMS.

     9.4       CUSTOMER  authorizes  ITA to notify CALLERS of  disconnection  of
               some  or  all  telephone   services   provided  by  CUSTOMER  for
               non-payment.

     9.5       CUSTOMER authorizes ITA to forgive charges incurred by any CALLER
               (or  remove  such  charges  from the LEC phone  bill) in the sole
               discretion  of ITA.  Said charges once  forgiven or removed shall
               become  chargebacks to CUSTOMER pursuant to Schedule A, and shall
               not be  re-billed  to the CALLER in  question  by CUSTOMER in any
               fashion.

     9.6       CUSTOMER  authorizes ITA to notify any CALLER of the  possibility
               of implementing call blocking,  both at the LEC level and also at
               the IP or SB level.

     CUSTOMER  authorizes ITA to accept  requests for call blocking at the IP or
SB level fro any CALLER or, in accordance with ITA determined  procedures and at
the sole discretion of ITA, to order call blocking at the IP or SB level for any
CALLER.  The  requesting  or  ordering of call  blocking  shall take the form of
notification  to CUSTOMER by ITA.  Upon  receipt of said  notification  CUSTOMER
agrees to  implement  such call  blocking  within a maximum of five (5) business
days.

     9.7       In no event  shall ITA be liable in any form  whatsoever  for any
               charges   pertaining  to  any  traffic  which  ITA  finds  to  be
               reasonably  uncollectible or which ITA forgives or removes from a
               CALLER's phone bill as per the provisions of this CONTRACT.

     9.8       It is understood that it is not the intent of the PARTIES for ITA
               to become involved in dispute  between  CUSTOMER and its CALLERS.
               Consequently,   the  procedures  for  inquiry   services  provide
               specifically (and it is hereby  specifically  agreed) that at any
               time in the collection process,  ITA may remove a disputed charge
               from a  CALLER's  bill and deduct  that  amount  from  CUSTOMER's
               receivables,  CUSTOMER  may  not  pursue  the  collection  of any
               CALLER'S  charges once those  charges have been  submitted to ITA
               for  billing  and  collection,  even if those  charges  have been
               forgiven by ITA, unless agreed to, in advance, by ITA.

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10.  COLLECTION OF UNPAID LEGITIMATE CHARGES

     10.1      It is likely that these will be occasions  when LEC's and\/or ITA
               will remove  billings  of CUSTOMER  from the local phone bills of
               CALLERS,  but not  release  those  CALLERS  from the  obligations
               represented by those billings.  In such event,  direct collection
               efforts may be permissible. In the event that CUSTOMER decides to
               have ITA and/or a subsidiary of ITA attempt to collect (or engage
               an outside  collection  agency to attempt to collect)  CUSTOMER's
               UNPAID LEGITIMATE  CHARGES, it will be necessary for CUSTOMER and
               ITA  and/or  an ITA  subsidiary  to  enter  into  an  appropriate
               supplemental collection agreement.

11. TAXES

     11.1      ITA shall be responsible for paying to  governmental  authorities
               the net sums (net sums being the sums  received for such purposes
               less later  deductions  relating to such sums due to chargebacks,
               nonpyments by callers and other  reasons) which ITA receives from
               the LECs to cover TAXES relating to CUSTOMER's TELEPHONE TRAFFIC.
               CUSTOMER shall be responsible for paying all TAXES not covered by
               the net sums  which  ITA  received  from  the LECs to cover  such
               TAXES.  CUSTOMER  agrees to indemnify  and hold ITA harmless from
               and against any  liability or loss  resulting  from any actual or
               claimed  failure  to  pay  any  TAXES,  or  tariffs,   penalties,
               interest,  addition to TAXES, surcharges, or other TAX related or
               tariff  related  charges  relating to CUSTOMER and CUSTOMER  CALL
               TRANSACTIONS   including,   but  not   limited  to,  any  related
               attorney's fees and litigation expenses that may be incurred.

12.  CONFIDENTIALITY AND PUBLICITY

     12.2      CUSTOMER  may  disclose  to and  discuss  with third  parties the
               identify of ITA and the  functions  ITA  performs  for  CUSTOMER.
               However, the terms of this CONTRACT,  its specific provisions and
               any price  information  contained  herein,  shall remain strictly
               proprietary  and  confidential  to ITA,  and  CUSTOMER  shall not
               disclose (or permit disclosure of) or use (or permit use of) this
               information   other  than  by  CUSTOMER's  own  organization  for
               CUSTOMER's  billing  and  collection  activities  with ITA.  With
               respect to any such  information  that constitutes a trade secret
               of ITA,  the terms of this  provision  shall apply for so long as
               such information  does not become public by legitimate  means. As
               to any confidential  information that does not constitute a trade
               secret under applicable law, this provision expires two (2) years
               from the date of the  expiration  of  other  termination  of this
               CONTRACT.

       12.2    Unless  otherwise  required  by  applicable  law or a  regulatory
               agency,  ITA and CUSTOMER agree that they shall not,  without the
               prior written consent of the other, make any news release, public
               announcement,  or denial or  confirmation  about the whole or any
               part of this CONTRACT which names the other,  or any affiliate of
               the other.

                                      Page 242
<PAGE>

13.  ASSIGNMENT

     13.1      CUSTOMER  has not and shall not  assign or  delegate  any  right,
               title,  obligations,  or duty in whole or in part,  or any  other
               interest hereunder,  or in the CALL DETAILS,  without the written
               consent of ITA. Any such assignment, transfer, sale, exchange, or
               gift is null and void.

14.  AMENDMENTS AND WAIVERS

     14.1      This CONTRACT or any part thereof or any attachment hereto may be
               amended,  modified  or  additional  provisions  may be  added  by
               written agreement signed by or on behalf of both PARTIES.

     14.2      No consent or waiver of any default under this CONTRACT  shall be
               effective  unless the same shall be in writing and signed by o on
               behalf  of the PARTY  against  whom such  waiver  or  consent  is
               claimed.  The  failure to  strictly  enforce  any term,  right or
               condition,  or of any other term,  right,  or condition  provided
               under this CONTRACT.

15.  CERTIFICATIONS

     15.1      CUSTOMER  certifies that all CALL DETAILS which are being or will
               be  submitted  to ITA by  CUSTOMER  under the  provisions  of the
               CONTRACT do and will relate to CALL  TRANSACTIONS,  the  carrying
               and  provision  of which  conflict in no way with any  applicable
               federal, state, or local tariffs, laws, or regulations.

     15.2      CUSTOMER  certifies that all CALL DETAILS which are being or will
               be submitted  to ITA under the  provisions  of this  CONTRACT are
               valid and accurate.

     15.3      CUSTOMER  represents  and warrants  that it has obtained and will
               keep  current all  federal,  state,  and local  licenses or other
               approvals  and  comply  with all LAWS AND  REGULATIONS  as may be
               applicable to the CUSTOMER'S CALL TRANSACTIONS.

     15.4      COPIES OF ALL LICENSES,  CERTIFICATIONS, AND APPROVALS, AND OTHER
               DOCUMENTS  REQUIRED  OF  CUSTOMER  UNDER THIS  CONTRACT  OR UNDER
               APPLICABLE LAWS AND REGULATIONS SHALL BE FURNISHED BY CUSTOMER TO
               ITA UPON REQUEST OF ITA.

     15.5      CUSTOMER hereby  represents and warrants to ITA that its PROGRAMS
               and  ADVERTISEMENTS  are and will continue to be legal and at all
               times in conformity  with applicable LAWS AND REGULATIONS and the
               requirements  of this  CONTRACT,  including  Schedule A attached.
               Such LAWS AND REGULATIONS and CONTRACT terms include, but are not
               limited to, rate caps, preambles,  validation  requirements,  age
               certification requirements,  contract certification requirements,
               and tariffs.  CUSTOMER agrees to protect,  defend,  indemnify and
               hold ITA harmless from and against any and all expenses,  claims,
               demands or causes of action of every kind and character including
               attorney's  fees  and  expenses   because  of,  incident  to,  or
               resulting  directly or  indirectly  from the acts,  omissions  or
               defaults   of   CUSTOMER   and/or   from   CUSTOMER's   PROGRAMS,
               ADVERTISEMENTS,  CALL  TRANSACTIONS  AND CALL DETAILS that are in
               breach of the  representations  and  warranties set forth in this
               subsection.

                                      Page 243
<PAGE>

16.  INDEMNIFICATION

     16.1      CUSTOMER  hereby  agrees to indemnify  and hold ITA harmless from
               and  against  any claims or losses ITA may incur,  including  any
               attorney's fees and related expenses,  resulting from any failure
               by CUSTOMER to perform in accordance  with or as agreed under the
               terms of this CONTRACT, or any other breach by CUSTOMER of any of
               the terms of this CONTRACT,  including any breach of any warranty
               or  representation  provided  hereunder,  and including,  but not
               limited to,  claims for any fees,  penalties,  or any  judgements
               incurred by such failure to perform or breach.

17.  SUSPENSION AND TERMINATION

     17.1      Notwithstanding  Section 8 above,  ITA may suspend billings under
               this  CONTRACT  immediately  in the  event a charge  is made by a
               REGULATORY  AUTHORITY  that any  ADVERTISEMENTS<  PROGRAMS<  CALL
               TRANSACTIONS  or CALL DETAILS or CUSTOMER were made in, or are in
               violation of, any of the LAWS AND  REGULATIONS  and, in the event
               of such a violation,  ITA may  terminate  all billing  under this
               CONTRACT.  If  ITA,  in  its  sole  discretion,  determines  that
               CUSTOMER  has  provided  PROGRAMS  or  ADVERTISEMENTS  which  are
               objectionable and/or may reflect adversely on ITA or may harm its
               good  business  name,  it may suspend or terminate  billing under
               this  CONTRACT  in the  event of any  other  breach of any of the
               terms of this  CONTRACT,  which breach is not cured within thirty
               (30) days of written notice to CUSTOMER of such breach.  Any such
               termination  shall  not  limit  ITA  from  any  additional  legal
               remedies it may elect to pursue.

     17.2      In the event of any  termination  of this  Agreement,  all of the
               provisions of this CONTRACT shall  continue to apply,  except for
               CUSTOMER's  obligations  to provide CALL DETAILS to ITA and ITA's
               obligations  to  transmit  CALL DETAIL  information  to LEC's for
               billing purposes. In the event of any such termination, ITA shall
               account for and disburse funds to CUSTOMER in accordance with the
               terms of and subject to all of ITA's rights under this  CONTRACT,
               applicable LAWS AND  REGULATIONS  and/or rulings of an arbitrator
               or by any court or other agency of competent jurisdiction.

     17.3      No portion of the  start-up  fee shall be  refundable  due to any
               early termination.

18.  NOTIFICATION

     18.1      Except  as  otherwise  provided  under  this  CONTRACT  or in the
               attachments  hereto, all notices,  demands, or requests which may
               be given by one Party top the other Party shall be in writing and
               shall be deemed to have been duly given on the date  delivered in
               person or deposited,  postage prepaid,  in the United States Mail
               via Certified Mail return receipt requested,  or sent by telex or
               cable to the other Party's notification address. The notification
               addresses of the PARTIES are as follows:

                                      ITA:

                    International Telemedia Associates, Inc.

                           c/o Office of the President
                          340 Interstate North Parkway

                                    Suite 200
                             Atlanta, Georgia 30339

                                      Page 244
<PAGE>

               With a copy to:
                    International Telemedia Associates, Inc.
                        c/o Rob Hassett, Attorney at Law
                 HASSETT, COHEN, BEITCHMAN & GOLDSTEIN, LLP
               One Lakeside Commons 990 Hammond Drive, Suite 990
                             Atlanta, Georgia 30328

                                    Customer:
                           RCP Enterprises Group, Inc.
                     c/o Viatech Communications Group, Inc.

                            676 South Military Trail
                            Deerfield Beach, FL 33442

     18.2      The above notification addresses may be changed by written notice
               given by one Party to the other Party pursuant to this Section.

19.  RIGHT OF RECOURSE, REIMBURSEMENT AND SET-OFF

     19.1      Notwithstanding  any other term of this CONTRACT,  and whether or
               not this CONTRACT has been  terminated  or breached,  the PARTIES
               agree that ITA is hereby entitled to recourse  against  CUSTOMER,
               and CUSTOMER is hereby  obligated to reimburse  ITA, for all sums
               due by CUSTOMER  to ITA under this  CONTRACT,  including  without
               limitation reimbursement required to be paid to ITA to CALLERS or
               LECs  for  amounts   attributable   or   allocable  to  CUSTOMER,
               overpayments  by ITA to CUSTOMER due to  insufficient  CHARGEBACK
               RESERVES,  any claims ITA may have  against  CUSTOMER  for TAXES,
               failure  o\f  CUSTOMER  to  comply  with  any  of  the  LAWS  AND
               REGULATIONS  to the extent  CUSTOMER's  noncompliance  negatively
               impacts ITA financially or proximately causes damages to ITA, and
               any  attorneys'  fees and  arbitration  expenses  ITA  incurs  in
               enforcing this right of recourse and reimbursement and any of its
               other rights hereunder. ITA and CUSTOMER agree that ITA is hereby
               entitled to pursue al  available  legal  remedies to enforce this
               right of recourse  and  reimbursement,  and further that ITA may,
               without  prejudice  o any other  remedies,  set-off  against  any
               amounts  that would  otherwise be due to CUSTOMER any sums due by
               CUSTOMER to ITA under this CONTRACT.

20.  LIMITATION OF LIABILITY

     20.1      ITA shall not, in any event,  be liable for  special  incidental,
               consequential, indirect, or other similar damages, even if ITA or
               any  of  its  agents  or  employees  have  been  advised  of  the
               possibility of such damages.  Additionally, ITA and its agents or
               employees  shall  not,  in any event,  be liable  for  exemplary,
               punitive, or similar damages under any circumstances.  CUSTOMER's
               sole and exclusive remedy for any breach by ITA of this Agreement
               or any other claims against ITA relating to this Agreement  shall
               be the refund of fees paid by CUSTOMER for  services  rendered or
               to be rendered by ITA hereunder.

                                      Page 245
<PAGE>

21.  THIRD PARTY BENEFICIARIES

     21.1      The  provisions  of this  CONTRACT  are for  the  benefit  of the
               PARTIES  hereto and not for any other person  except as otherwise
               agreed upon in writing by the PARTIES.

22.  COUNTERPARTS

     22.1      This agreement may be executed in multiple counterparts,  any one
               of which  shall be deemed  an  original,  but all of which  shall
               constitute one and the same agreement.

23.  OBLIGATIONS SURVIVE TERMINATION

     23.1      Provisions  contained  in this  CONTRACT  that by their sense and
               context are intended to survive the performance,  termination, or
               cancellation of this CONTRACT shall so survive.

24.  SEVERABILITY

     24.1      In the event that any one or more of the provisions  contained in
               this   CONTRACT   shall  for  any  reason  be  held   invalid  or
               unenforceable  in any  respect  under  the  laws of the  state of
               Georgia,  the remaining provisions shall not be affected thereby,
               but rather,  the entire  CONTRACT  shall be  construed  as if not
               containing the particular invalid or unenforceable provision, and
               the rights and obligations of the party hereto shall be construed
               and enforced accordingly.

25.  FORCE MAJEURE

     25.1      ITA  shall  not be  held  liable  for any  delay  or  failure  in
               performance  of any part of this  CONTRACT  from any cause beyond
               its control and without its fault or negligence,  such as acts of
               God,  acts of  civil  or  military  authority,  current  LAWS AND
               REGULATIONS  and  changes  thereto,  embargoes,   epidemics,  ar,
               terrorist  acts,   riots,   insurrections,   fires,   explosions,
               earthquakes, nuclear accidents, floods, strikes, power blackouts,
               volcanic   action,   other  major   environmental   disturbances,
               unusually severe weather conditions, inability to secure products
               or services of other  persons or  transportation  facilities,  or
               acts or omissions of transportation or telecommunications  common
               carriers.

26.  ARBITRATION

     26.1      Any  controversy  or  claim  arising  out of or  related  to this
               CONTRACT, and any other disputes between the PARTIES hereto shall
               be settled  by  arbitration  in  accordance  with the  Commercial
               Arbitration Rules of the American Arbitration Association then in
               effect.  There shall be only one arbitrator  selected pursuant to
               the AAA Commercial Arbitration Rules then in effect, and the fees
               for the  arbitrator  shall not exceed  the lesser of $200.00  per
               hour or $1,200.00 per day.  Judgement  upon the award rendered by
               the  arbitrator  may be entered in any court having  jurisdiction
               thereof. All arbitration proceedings shall be held at the offices
               of the American Arbitration  Association in Atlanta,  Georgia. It
               is expressly  agreed that the  arbitrator  shall be empowered and
               permitted to grant preliminary and permanent  equitable relief in
               addition to awarding damages.

27.  AUTHORIZATION

     27.1      Each  of the  persons  executing  this  CONTRACT  represents  for
               herself/himself  that  she/he  has the  authority  and  power  to
               execute  this  CONTRACT  for  herself/himself  and any  entity on
               behalf of which she/he executes this CONTRACT.

                                      Page 246
<PAGE>

28.  SUCCESSORS AND ASSIGNS

     28.1      This CONTRACT will be binding upon,  and inure to the benefit of,
               each party hereto and its or his/her heirs, devisees,  successors
               and assigns.

29.  ADVICE OF COUNSEL

     29.1      The  PARTIES  agree  that  each  has  obtained  or  has  had  the
               opportunity  to obtain the advice of legal  counsel  prior to the
               execution  of this  CONTRACT,  that each has read  this  CONTRACT
               carefully,  that  each has  obtained  or had the  opportunity  to
               obtain advice from counsel regarding this CONTRACT's meanings and
               consequences,  and that each has signed this CONTRACT  freely and
               voluntarily.

30.  SURVIVAL

     30.1      The  representation  and warranties  contained herein will not be
               extinguished  upon  execution   hereof,   but  will  survive  the
               execution hereof and may be asserted without  limitation,  except
               as otherwise provided by law.

31.  GOVERNING LAW

     31.1      Except as otherwise  expressly  provided in this  CONTRACT,  this
               CONTRACT  shall be deemed to be a contract made under the laws of
               the State of Georgia,  and the construction,  interpretation  and
               performance of this CONTRACT and all transactions hereunder shall
               be governed by the laws of that State.

32.  CONSTRUCTION

     32.1      Although the initial draft of this CONTRACT was drafted on behalf
               of ITA, this agreement  shall not be construed for or against any
               party but shall be construed in accordance  with the tenor of the
               language contained herein.

33.  ENTIRE AGREEMENT

     33.1      This  CONTRACT  and the  attachments,  and  referenced  LAWS  AND
               REGULATIONS,  and  any  CERTIFICATION  AGREEMENT  constitute  the
               entire  agreement  between CUSTOMER and ITA, which supersedes and
               replaces all prior oral or written agreements or contracts,  oral
               or    written    representations,    statements,    negotiations,
               understandings,  proposals and  undertakings  with respect to the
               subject matter hereof. The terms of this CONTRACT are contractual
               and not mere recitals.

     IN WITNESS WHEREOF,  the PARTIES hereto have duly executed this CONTRACT as
of the  date  appearing  on the  first  page of this  CONTRACT.  Any  individual
executing this CONTRACT on behalf of any party hereto does hereby  represent and
warrant that such  execution is made with full  authority and that such party is
bound by the terms hereof.

Read, Understood, and Agreed:

Dated as of this 20th Day of June, 1997.

INTERNATIONAL TELEMEDIA                             CUSTOMER:
ASSOCIATES, INC. ("ITA")
                                                    /s/ RCP Enterprises

By: /s/ International Telemedia Asscoiates        By: /s/ Richard C. Peplin,Jr.

Print Name: _______________                     Print Name:Richard C. Peplin,Jr.

Title: _____________________                     Title: President

                Place an "X" next to the statement that applies:

            _______ CUSTOMER has executed a CERTIFICATION AGREEMENT.

          _______ CUSTOMER has not executed a CERTIFICATION AGREEMENT.

                                Page 247
<PAGE>

                                   SCHEDULE A
 Customer Name _______________ Product Type: ___________ Account #____________
             (Addendum to CUSTOMER BILLING AND COLLECTION CONTRACT)

START UP FEES:                      $1,000
MONTHLY MINIMUMS:                   $1,500 (in Pr Call Charges)
CALL CAPS:                          Per Call                   Per ANI/Per Tape
                                    --------                   ----------------
                                    $ 50.00                    $150.00

The following charges shall apply to all CALL DETAILS billed through ITA Billing
and Collection Services:

Per CALL TRANSACTION                $.10, plus LEC costs

Per INQUIRY                         $2.50 per inquiry

Per VALIDATION                      $.07 per query

     A "Per CALL TRANSACTION" charge applies to every CALL TRANSACTION processed
by ITA.

     "Per INQUIRY"  charges are generated when ITA or a LEC processes an inquiry
call from a CALLER of  CUSTOMER.  A "Per  Inquiry"  charges is assessed for each
CALL  TRANSACTION  for which an  inquiry  is made and the  charge  for that CALL
TRANSACTION is either sustained or removed from the bill by either ITA or a LEC.

     A "Per VALIDATION" charge is assessed when ITA validates a CALL TRANSACTION
through an authorized data base provider.

     All of the above charges are in addition to LEC CHARGES which vary from LEC
to LEC and are passed through to the CUSTOMER.

     ITA  shall  maintain  a  CHARGEBACK  RESERVE  and a LEC Bad  Debt  Holdback
reserve,  to be withheld  from  whatever  funds are  disbursed to CUSTOMER.  ITA
reserves  the  right to adjust  the  reserves  from time to time to  approximate
actual  chargeback  and LEC bad debt history  and,  upon the  discontinuance  or
reduction of billing for CUSTOMER, as is reasonably determined to be required to
assure that  CHARGEBACK  RESERVES are sufficient to cover any sums that CUSTOMER
may end up owing to ITA. The reserves will initially be set as follows:

                           ITA CHARGEBACK RESERVE 30%
                   LEC Reserve Actual (varies from LEC to LEC)

     Please note that ITA reserves  the right to modify the reserve  percentages
and rates for Billing and Collection  Services at its sole  discretion  provided
that rates for Billing and  Collection  Services will not be changed except upon
thirty (30) days prior written notice. CUSTOMER represents and warrants that the
services  that will be  provided  by  CUSTOMER to be billed by ITA will be those
described in CUSTOMER's  Approval  Package  submitted to ITA and approved by the
LEC's.represents  and  warrants  that the  services  that  will be  provided  by
CUSTOMER  to be billed by ITA will be those  described  in  CUSTOMER's  Approval
Package submitted to ITA and approved by the LEC's.

                                      Page 248
<PAGE>

                                    EXHIBIT 1
                             CERTIFICATION AGREEMENT

     This  Certification  Agreement,  dated 6/20,  1997,  is entered into by and
between RCP Enterprises Group, Inc. (hereinafter  referred to as "CUSTOMER"),  a
Delaware  corporation  whose  principal  place of business is 42 Harrisson  St.,
Bedford, OH and International  Telemedia Associates,  Inc. (hereinafter referred
to as "ITA"),  a Georgia  corporation  whose  principal place of business is 340
Interstate North Parkway,  Suite 200, Atlanta,  Georgia 30339.  CUSTOMER and ITA
are hereinafter collectively referred to as the "PARTIES."

     Whereas,  the PARTIES have entered into a Billing and Collection  Agreement
signed and executed on 6/20, 1997 (hereinafter referred to as the "CONTRACT", it
being hereby agreed that the definitions in the CONTRACT also apply hereto); and

     Whereas,  CUSTOMER  wishes  to become  certified  by ITA to  transmit  CALL
DETAILS directly to ITA as contemplated in 1.7, 1.8 and 2.2.1 of the CONTRACT;

     Now,  therefore,  in  consideration  of the terms and conditions  contained
herein, ITA and CUSTOMER hereby covenant and mutually agree as follows:

1.   Exchange for certain warranties,  representations,  and guarantees,  ITA is
willing to accept CALL  DETAILS  directly  from  CUSTOMER.  See Section 2 of the
Agreement.

2.   CUSTOMER hereby warrants that all CALL DETAILS submitted by CUSTOMER to ITA
will represent arm's length transactions  between CUSTOMER and its customers and
that these  transactions  will  reflect  actual CALL  TRANSACTIONS  generated by
end-users who have no right, title or interest in the revenues generated by said
ALL TRANSACTIONS

3.   CUSTOMER  agrees that ITA may audit and/or  examine  CUSTOMER's  equipment,
facilities,  accounts,  and programs upon  reasonable  written notice and during
normal business hours to determine to ITA's reasonable satisfaction the validity
of CALL DETAILS submitted by CUSTOMER to ITA for billing and collection.

4.   Should ITA reasonably  determine through any reasonable means that CUSTOMER
has  submitted  CALL  DETAILS  not based on arm's  length  transactions  between
CUSTOMER and its customers or not reflecting actual CALL TRANSACTIONS  generated
by end-users who have no right,  title or interest in the revenues  generated by
sad CALL  TRANSACTIONS,  ITA  shall  have an  absolute  right to  terminate  its
obligations to CUSTOMER  without  recourse to CUSTOMER.  Such CALL  TRANSACTIONS
include,  but are not limited to,  fraudulent  or doctored call records that are
terminated to locations  other than what has been  represented,  calls that have
been generated to a CUSTOMER's  service by auto dialers,  agents or employees of
CUSTOMER or calls that are knowingly double-billed.

                                      Page 249
<PAGE>

5.   ITA reserves the right to pursue any other legal rights  provided by law or
agreement against CUSTOMER for any breach of the warranties set forth herein.

6.   It is understood  and agreed that in the event of any conflict  between the
terms  of the  CONTRACT  and this  Certification  Agreement,  the  terms of this
Certification Agreement shall control.

7.   Any  individual  executing  this  agreement  on  behalf  of a party  hereby
represents and warrants that such execution is made with fully authority.

8.   CUSTOMER further agrees to execute and deliver an additional  certification
agreement   having  terms  and  conditions   substantially   the  same  as  this
Certification  Agreement with respect to any  particular  CALL DETAILS as may be
requested by ITA which additional agreements shall be supplemental to and not in
lieu of the terms hereof.

Read, Understood and Agreed:

Dated as of this 20 day of June, 1997

INT'L. TELEMEDIA ASSOC., INC.                       CUSTOMER:

                                                    RCP Enterprises Group, Inc.

                                                    Print Name of Customer

By: /s/ Richard C. Peplin, Jr.                    C/o Viatech Comm. Group, Inc.
                                                   -----------------------------
Print Name: Richard C. Peplin, Jr.                  676 South Military Trail
            ----------------------                      ------------------------

Title: President                                    Deerfield Beach, FL 33442
       ---------                                       -------------------------

                                      Page 250LOAN AGREEMENT

     This  Loan  Agreement  ("Agreement")  is  entered  into  this  13th  day of
October.,  1997 ("Effective  Date"), by and between TROY D. WISEMAN,  TRUSTEE OF
THE WISEMAN FAMILY TRUST, UDT 10/31/89,  RICHARD C. PEPLIN, SR., and those other
persons who become  lenders  under this  Agreement  by adopting  this  Agreement
(individually, "Lender" and collectively,  "Lenders"), RICHARD C. PEPLIN, SR. as
the initial agent for Lenders  ("Agent") and RCP ENTERPRISES  GROUP,  L.L.C., an
Ohio limited liability company ("Borrower").

                                    RECITALS

         A.    The Wiseman  Family Trust UDT 10/.31/89 has  previously  advanced
               Forty Thousand Dollars ($40,000) ro Borrower;

         B.    Borrower has requested that Lenders  advance funds to Borrower in
               the  maximum  sum of Four  Hundred  Thousand  Dollars  ($400,000)
               secured by Borrower's accounts receivable; and

         C.    Lenders  have  agreed  to  advance  up to Four  Hundred  Thousand
               Dollars  ($400,000)  to  Borrower  on the  terms  and  conditions
               hereof.

                                    AGREEMENT

     NOW, THEREFORE, in consideration of the foregoing and other good and
valuable  consideration,  the  receipt,  sufficiency  and  adequacy of which are
hereby acknowledged and confessed, the parties do hereby agree as follows:

     1.  Definitions.  All terms used  herein  which are defined in Article 1 or
Article 9 of the Uniform  Commercial Code shall have  themeanings  given therein
unless  otherwise  defined in this  Agreement.  Any accounting  term used herein
unless otherwise  defined or set forth in this Agreement shall have the meanings
customarily given to such term in accordance with generally accepted  accounting
principles.  For purposes of this Agreement,  the following terms shall have the
respective meanings given to them below:

     1.1  "Accounts"  shall mean all  present  and future  rights of Borrower to
payment for goods sold or leased or for services rendered, whether or not earned
by performance.

     1.2 "Collateral" shall mean all the property in which Borrower grants or is
required  to grant to Lenders a  security  interest  or lien,  as  described  in
Section 5 hereof.

     1.3 "Eligible Accounts" of Borrower shall mean Accounts created by Borrower
which are and  continue to be  acceptable  to Lenders  based on the criteria set
forth below. In general, Accounts shall be Eligible Accounts if:

     1.3.1 such  Accounts  arise from the actual and bona fide sale and delivery
of goods by Borrower or rendition of services by Borrower in the ordinary course
of Borrower's business,  which transactions are completed in accordance with the
terms and provisions contained in any documents related thereto;

     1.3.2 such  Accounts  are not unpaid  more than  ninety (90) days after the
date of the original invoice thereto;

     1.3.3 the chief executive office of the account debtor with respect to such
Accounts  is  located  in the  United  States of  America,  or such  Account  is
otherwise acceptable in all respects to Lenders (subject to such lending formula
with respect thereto as Lenders may determine);

     1.3.4 such  Accounts  do not consist of  progress  billings,  bill and hold
invoices or retainage invoices;

                                      Page 251
<PAGE>

     1.3.5 the account  debtor with respect to such  Accounts has not asserted a
counterclaim,  defense  or  dispute  and does not have,  and does not  engage in
transactions which may give rise to, any right of setoff against such Accounts;

     1.3.6 there are no facts,  events or  occurrences  which  would  impair the
validity, enforceability or collectability of such Accounts or reduce the amount
payable or delay payment thereunder;

     1.3.7 such Accounts are subject to the first priority,  valid and perfected
security  interest of Lenders and any good giving rise thereto are not, and were
not at the time of the sale thereof, subject to any liens except those permitted
in this Agreement.

     1.3.8 neither the account debtor nor any officer,  employee or agent of the
account debtor with respect to such Accounts is an officer, employee or agent of
or  affiliated  with  Borrower  directly  or  indirectly  by  virtue  of  family
membership, ownership, control, management or otherwise;

     1.3.9 the account debtors with respect to such Accounts are not any foreign
government,  the  United  States  of  America  or  any  political  subdivision.,
department, agency or instrumentality thereof;

     1.3.10 there are no  proceedings or actions which are threatened or pending
against  any account  debtor with  respect to such  Accounts  from such  account
debtor  which might result in any  material  adverse  change in any such account
debtor's financial condition;

     1.3.11 such Accounts of a single  account  debtor or its  affiliates do not
constitute  more  than  twenty-five  percent  (25%)  of all  otherwise  Eligible
Accounts (but the portion of the Accounts not in excess of such  percentage  may
be deemed Eligible Accounts); and

     1.3.12 such  Accounts  are not owed by any account  debtor who has Accounts
unpaid  more than  ninety  (90)  days  after  the date of the  original  invoice
therefor and which constitute more than  twenty-five  percent (25%) of the total
Accounts from such account debtor.

     General criteria for Eligible  Accounts may be established and revised from
time to time by Lenders  in good  faith.  Any  Accounts  which are not  Eligible
Accounts shall nevertheless be part of the Collateral.

     1.4 "Event of Default"  shall mean the occurrence or existence of any event
or condition described in the Notes or the Security Agreement.

     1.5 "Loan  Documents"  shall mean,  collectively,  this  Agreement  and all
notes, security agreements, and other agreements,  documents and instruments now
or at any time  hereafter  executed  and/or  delivered by Borrower in connection
with  this  Agreement,  as the  same  now  exist or may  hereafter  be  amended,
modified, supplemented, extended, renewed, restated or replaced.

     1.6 "Loans" to Borrower  shall mean advances made by Lenders to Borrower as
set forth in Section 2 hereof.

     1.7 "Notes" shall have the meaning set forth in Section 3 hereof.

     1.8 "Records" of Borrower  shall mean all of Borrower's  present and future
books of  account  of  every  kind or  nature,  purchase  and  sale  agreements,
invoices, ledger cards, bills of lading and other shipping evidence, statements,
correspondence,   memoranda,  credit  files  and  other  date  relating  to  the
Collateral or any account debtor,  together with the tapes, disks, diskettes and
other data and software  storage media and devices,  file cabinets or containers
in or on which the foregoing are stored  (including  any rights of Borrower with
respect to the foregoing maintained with or by any other person).

     1.9  "Rights to  Payment" of  Borrower  shall mean all  Accounts,  contract
rights,  chattel  paper,  documents,  instruments,  letters of  credit,  bankers
acceptances  and  guaranties,   and  all  present  and  future  liens,  security
interests,  rights,  remedies,  title  and  interest  in, to and in  respect  of
Accounts and other Collateral,  and shall include without limitation, (a) rights
and remedies under or relating to guaranties,  contracts of suretyship,  letters
of credit and  credit and other  insurance  related  to the  Collateral  and (b)
deposits  by and  property  of account  debtors or other  persons  securing  the
obligations of account debtors, monies, securities,  credit balances,  deposits,
deposit  accounts  and other  property  of  Borrower  now or  hereafter  held or
received by or in transit to Lenders or any of their  affiliates or at any other
depository or other institution from or for the account of Borrower, whether for
safekeeping, pledge, custody, transmission, collection or otherwise.

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     2. Line of  Credit.  Subject to and upon the terms and  conditions  of this
Agreement,  Lenders  hereby agree to make Loans to Borrower from time to time in
amounts  requested by Borrower up to an aggregate  outstanding  principal amount
equal to the lesser of (i) Four Hundred  Thousand  Dollars  ($400,000),  or (ii)
thirty  percent  (30%) of Borrower's  Eligible  Accounts,  The funds  previously
advanced by the Wiseman  Family Trust UDT 10/31/89  shall be deemed to have been
an initial advance of $40,000 pursuant to this Loan Agreement. In the event that
the  outstanding  amount of the Loans to Borrower  exceeds the amount  available
under the above lending formula,  such event shall not limit, waive or otherwise
affect any rights of Lenders in that  circumstance  or on any future  occasions,
and  Borrower  shall,  upon demand by Lenders,  which may be made at any time or
from time to time,  immediately  repay to Lenders the entire  amount of any such
excess(s) for which payment is demanded.

     3. Line of Credit Notes.  Borrower's obligation to repay advances under the
Loans shall be evidenced  by  promissory  notes  exected by Borrower in favor of
each Lender  substantially in the form of Exhibit "A" attached hereto ("Notes"),
the terms of which are incorporated herein by this reference.

     4. Pro Rata Treatment.

     4.1 Each payment and  prepayment to Lenders under this  Agreement  shall be
made according to each Lender's percentage of the principal amount of the Loan.

     4.2 Each Lender's  percentage of all payments and prepayments  delivered to
Agent or received by Agent for the account of Lenders under this Agreement shall
be promptly delivered by Agent to each Lender at such Lender's address specified
below such Lender's signature to this Agreement.

     5. Grant of Security Interest. As security for all indebtedness of Borrower
to Lenders  pursuant  to this  Agreement,  Borrower  grants to Lenders  security
interests of first priority in the following property and interests in property,
whether now owned or hereafter  acquired or existing,  and whether located:  all
Accounts, Rights to Payment and Records, and all products and proceeds of any of
the foregoing, in any form, including without limitation, insurance proceeds and
all claims  against third parties for loss or damage to or destruction of any or
all of the foregoing.  All of the foregoing shall be evidenced by and subject to
the terms of a  Security  Agreement  substantially  in the form of  Exhibit  "B"
attached  hereto and such other documents as Lenders shall  reasonably  require,
all in form and substance  satisfactory  to Lenders.  Borrower  shall  reimburse
Lenders, immediately upon demand, for all costs and expenses incurred by Lenders
in connection with any of the foregoing  security,  including without limitation
filing and recording fees.

     6.  Conditions  of  Lending.  Lenders  shall not be  obligated  to make any
advances  under the Loans.  Lenders shall not make any advances  under the Loans
unless  all the  following  conditions  relating  to the Loans  shall  have been
satisfied.  All  documents to be executed or delivered  pursuant to Sections 6.1
ands 6.2 shall be dated,  or certified as, the Effective Date or the date of the
advance, as the case may be.

     6.1 Effective Date. On the Effective Date, Agent shall have received:

     6.1.1 This Agreement,  or counterparts  thereof, duly executed by Borrower,
Lenders and Agent.

     6.1.2  Notes in favor of Troy D.  Wiseman,  Trustee of the  Wiseman  Family
Trust UDT  10/31/89 in the amount of $50,000 for the initial  advance of $40,000
and  $10,000 to be  advanced  on the  Effective  Date and in favor of Richard C.
Peplin,  Sr.,  in the  amount of  $40,000  for  $40,000  to be  advanced  on the
Effective Date.

     6.1.3 The Security Agreement and Form UCC-1 Financing  Statement inthe form
of Exhibit "B" hereto, duly executed by Borrower, Lenders and Agent.

     6.1.4 Such other documents as any Lenders may reasonably request.

     All legal matters  incident to the execution and delivery of this Agreement
and the documents contemplated hereby shall be satisfactory to Lenders.

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     6.2 Additional Advances.  Additional advances may be made from time to time
in the sole  discretion of Lenders not to exceed the Loan amount of Four Hundred
Thousand Dollars ($400,000).  On each additional Loans advance date, Agent shall
have received:

     6.2.1 A Note payable to each Lender who is loaning funds for the additional
Loans advance.

     6.2.2 Such other documents as any Lender may reasonably request.

     6.2.3 The representations, warranties and covenants contained herein and in
the Security  Agreement shall be true in all material  respects on and as of the
date of the signing of this  Agreement and on the date of each such extension of
credit  by  Lenders  pursuant  hereto,  with  the same  effect  as  though  such
representations and warranties had been made on and as of each such date, and on
each such date, no default hereunder or in the Notes or the Security  Agreement,
and no condition, event or act which with the giving of notice or the passage of
time or both  would  constitute  such a  default,  shall  have  occurred  and be
continuing  or shall exist.  Borrower  shall  deliver a  certificate  evidencing
compliance with this Section 6.2.3.

     6.2.4 All legal  matters,  incident to the  execution  and  delivery of the
Agreement  and the  documents  contemplated  hereby  shall  be  satisfactory  to
Lenders.

     7.   Representations   and   Warranties.   Borrower   makes  the  following
representations and warranties to Lenders,  which representations and warranties
shall survive the execution of this  Agreement and shall  continue in full force
and effect until the full and final payment, and satisfaction and discharge,  of
all obligations of Borrower to Lenders subject to this Agreement.

     7.1 Legal status.  Borrower is a limited  liability  company duly organized
and  existing  and in good  standing  under the laws of the State of Ohio and is
qualified  or  licensed  to do  business,  and is in good  standing as a foreign
corporation,  if  applicable,  in all  jurisdictions  in which the failure to so
qualify or to be so licensed could have a material adverse effect on Borrower.

     7.2  Authorization  and  Validity.   The  Loan  Documents  have  been  duly
authorized,  and  upon  their  execution-and  delivery  in  accordance  with the
provisions  hereof  will  constitute  legal,  valid and binding  agreements  and
obligations of Borrower enforceable in accordance with their respective terms.

     7.3 No Violation.  The execution,  delivery and  performance by Borrower of
each  of the  Loan  Documents  do  not  violate  any  provision  of  any  law or
regulation,  or  contravene  any provision of the Articles of  Incorporation  or
Bylaws of  Borrower,  or result in a breach of or  default  under any  contract,
obligation,  indenture or other  instrument  to which  Borrower is a party or by
which Borrower may be bound.

     7.4  No  Subordination.  There  is no  agreement,  indenture,  contract  or
instrument to which  Borrower is a party or by which  Borrower may be bound that
requires the subordination in right of payment of any of Borrower's  obligations
subject to this Agreement to any other obligation of Borrower.

     7.5 Other  Obligations.  Borrower is not in default on and  obligation  for
borrowed  money,  any purchase  money  obligation or any other  material  lease,
commitment, contract, instrument or obligation.

     8. Covenants.  Borrower  covenants that so long as Lenders remain committed
to extend  credit to  Borrower  pursuant to the terms of this  Agreement  or any
liabilities  (whether  direct or  contingent,  liquidated  or  unliquidated)  of
Borrower to Lender under any of the Loan Documents remain outstanding, and until
payment in full of all obligations of Borrower subject hereto, Borrower shall:

     8.1 Punctual  Payments.  Punctually  pay all principal,  interest,  fees or
other  liabilities due under any of the Loan Documents to which it is a party at
the times and place and in the manner  specified  therein,  and immediately upon
demand by Lenders, the amount by which the outstanding  principal balance of the
Loans to Borrower at any time exceeds any limitation applicable thereto.

                                      Page 254
<PAGE>

     8.2 Records and Premises.  Maintain  proper books and records in which true
and  complete  entries  shall be made of all dealings or  transactions  of or in
relation to Collateral and the business of Borrower in accordance with generally
acceptable accounting  principles.  From time to time as requested by Lender, at
the cost  and  expense  of  Borrower,  allow  Lenders,  Agent or other  designee
complete  access to all of Borrower's  premises during normal business hours and
after  notice to Borrower,  or at any time and without  notice to Borrower if an
Event of Default exists or has occurred and is  continuing,  for the purposes of
inspecting,  verifying and auditing the Collateral  and all of Borrower's  books
and records, including, without limitation, the Records, and promptly furnish to
Lenders  such copies of such books and records or extracts  therefrom as Lenders
may request,  and allow  Lenders  during  normal  business  hours to use such of
Borrower's  personnel,  equipment,  supplies and  premises as may be  reasonably
necessary for the  foregoing,  and if an Event of Default exists or has occurred
and is  continuing,  for the  collection  fo Accounts and  realization  of other
Collateral.

     8.3 Collateral  Reporting.  Borrower shall provide Agent with the following
documents in a form satisfactory to Agent:

     8.3.1 on a regular  basis as  required by Agent,  a schedule  of  Accounts,
including without  limitation,  daily sales,  credit and adjustment journals and
cash receipts;

     8.3.2 upon Agent's  request,  (i) copies of customer  statements and credit
memos,  remittance  advices and  reports,  and copies of deposit  slips and bank
statements and (ii) copies of shipping and delivery documents;

     8.3.3 within  fourteen  (14)  calendar days after and as of the end of each
month  (or more  frequently  as Agent  may  request),  (i)  agings  of  accounts
receivable and (ii) agings of accounts payable;

     8.3.4 such other  reports as to the  Collateral as Agent shall request from
time to time, including without limitation daily borrowing base certificates. If
any of  Borrower's  records of the  Collateral  are prepared or maintained by an
accounting  service,  contractor,   shipper  or  other  agent,  Borrower  hereby
irrevocably  authorizes  such service,  contractor,  shipper or agent to deliver
such  records,  reports,  and related  documents to Agent and to follow  Agent's
instructions  with  respect  to  further  services  at any time that an Event of
Default exists or has occurred and is continuing.

     8.4 Notices to Lenders.  Promptly  (but in no event more than five (5) days
after the  occurrence  of each such  event or  matter)  give  written  notice to
Lenders in reasonable  detail of the occurrence of any Event of Default,  or any
condition,  event or act which with the giving of notice or the  passage of time
or both would  constitute  such an Event of  Default.  Provide not less than ten
(10) days  prior  written  notice to  Lenders  of any  change in the name or the
organizational structure of Borrower.

     8.5 Further  Assurances At the request of Lenders at any time and from time
to time,  duly execute and deliver,  or cause to be duly executed and delivered,
such further agreements,  documents and instruments,  and do or cause to be done
such further acts as may be necessary or proper to evidence,  perfect,  maintain
and enforce the security  interests and the priority  thereof in the  Collateral
and to otherwise  effectuate the provisions or purposes of this Agreement or any
of the other Loan Documents, at Borrower's expense.  Lenders may ay any time and
from time to time request a certificate from an officer of Borrower representing
that all  conditions  precedent  tot he making  of Loans  contained  herein  are
satisfied.  In the event of such  request  by  Lenders,  Lenders  may,  at their
option,  cease to make any  further  advances on the Loans  until  Lenders  have
received such  certificate  and, in addition,  Lenders have determined that such
conditions are satisfied.  Where permitted by law,  Borrower  hereby  authorizes
Lenders to execute and file one or more UCC financing  statements signed only by
Agent.

     8.6 No Pledge of Assets. Not mortgage,  pledge,  grant or permit to exist a
security  interest in, or lien upon, any of its assets of any kind, now owned or
hereafter acquired, except any of the foregoing in favor of Lenders.

     9. Agent

     9.1  Appointment.  Richard C.  Peplin,  Sr., is hereby  appointed  Agent of
Lenders under the Loan Documents,  and each Lender irrevocably  authorizes Agent
to act as the agent of such Lender. Agent agrees to act as such upon the express
conditions contained in this Section 9.

     9.2  Powers.  Agent  shall  have  and  may  exercise  such  powers  as  are
specifically  delegated  to Agent by the terms of the Loan  Documents,  together
with such powers as are reasonably  incidental thereto,  all as the case may be.
Agent shall have no implied  duties to Lenders,  or any obligation to Lenders to
take any action under the Loan Documents except any action specifically provided
by the Loan Documents to be taken by Agent.

                                      Page 255
<PAGE>

     9.3  General  Immunity.  Neither  Agent nor any of his agents or  employees
shall be liable to Lenders  or any Lender for any action  taken or omitted to be
taken by him or then under the Loan Documents or in connection therewith, as the
case may be, except for his or their own gross negligence or wilful misconduct.

     9.4  No  Responsibility  for  Loans  and  Recitals.   Agent  shall  not  be
responsible to Lenders or any Lender for any recitals, reports, representations,
statements or warranties  contained  in, or made in  connection  with,  the Loan
Documents or the Loans,  as the case may be, or be bound to ascertain or inquire
as to the performance or observance of any of the terms of the Loan Documents.

     9.5  Notice of  Default.  Agent  shall not be deemed to have  knowledge  or
notice of the  occurrence  of any default or  potential  default  under any Loan
Document, unless Agent has received notice from a Lender or Borrower,  referring
to such Loan Document  describing such default or potential default and starting
that such notice is a "Notice of Default." In the event that Agent receives such
a notice,  Agent shall give prompt notice  thereof to Lenders.  Agent shall take
action with respect to such default or potential  default as shall be reasonably
directed by Lenders holding in the aggregate at least sixty-six percent (66%) of
the  aggregate  unpaid  principal  amount  of the  Notes  ("Required  Lenders");
provided that, unless and until Agent shall have received such directions, Agent
may (but shall not be  obligated  to) take such  action,  or refrain from taking
such action,  with respect to such default or potential default as he shall deem
advisable in the best interest of Lenders.

     9.6 Indemnification.  Agent shall be fully justified in failing or refusing
to take any action under the Loan Documents unless he shall first be indemnified
to his satisfaction by Lenders or Required Lenders,  as the case may be, against
any and all liabilities and expenses which may be incurred by Agent by reason of
taking or continuing to take any such action.  Lenders agree to indemnify  Agent
in his  capacity as such (to the extent not  reimbursed  by Borrower and without
limiting the  obligation  of Borrower to do so),  according to their  respective
percentages,   from  and  against   any  and  all   actions,   costs,   damages,
disbursements,   expenses,   judgements,   liabilities,   losses,   obligations,
penalties,  and suits of any kind  whatsoever  which may at any time  (including
without limitation,  at any time following the payment of the Notes), be imposed
on, incurred by or asserted  against Agent in any way relating to or arising out
of any Loan Documents or any documents  contemplated by or referred to herein or
therein or the transactions  contemplated  hereby or thereby or any action taken
or  omitted  to be  taken  by  Agent  under  or in  connection  with  any of the
foregoing,  all as the case may be,  provided that no Lender shall be liable for
the  payment  ofany  portion of such  actions,  costs,  damages,  disbursements,
expenses,  judgements,  liabilities,  losses, obligations,  penalties, and suits
resulting  solely from  Agent's  gross  negligence  or willful  misconduct.  The
agreements contained in this 9.6 shall survive the termination of the Agreement,
the  payment  of the  Notes  and all  other  amounts  payable  under  any of the
foregoing agreements.

     9.7 Loan  Documents.  Agent  shall not be  responsible  to Lenders  for the
effectiveness,  enforcement,  genuineness,  or  validity  of  any  of  the  Loan
Documents.

     9.8 Action of  Instructions  of Lenders.  Agent shall in all cases by fully
protected in acting,  or in refraining from acting,  under the Loan Documents in
accordance with written  instructions  signed by Required Lenders or Lenders, as
the case may be, and such  instructions  and any action  taken or failure to act
pursuant  thereto  shall be binding  on all  Lenders  and on all  holders of the
Notes.

     9.9  Employment of Agents and Counsel.  Agent may execute any of his duties
as  Agent  under  the  Loan  Documents  by or  through  employees,  agents,  and
attorney-in-fact  and shall not be answerable to Lenders,  except as to money or
securities  received  by him or his  authorized  agents  and for the  default or
misconduct  of any such  agents  or  attorneys-in-fact  selected  by Agent  with
reasonable  care.  Agent shall be entitled to advice of counsel  concerning  all
matters pertaining to the Agency hereby crated and his duties hereunder.

     9.10  Reliance on Documents  and  Counsel.  Agent shall be entitled to rely
upon any affidavit, certificate, cablegram, consent, instrument, letter, notice,
Note, order, paper, statement,  telecopy,  telegram,  telex, or teletype message
and writing  believed by him to be genuine and correct and to have been  signed,
sent or  made by the  proper  person  or  persons,  and any  telephonic  or oral
statement  made by the  proper  person or  persons,  and,  in  respect  to legal
matters,  upon the  opinions  of  counsel  selected  by Agent  and  counsel  for
Borrower, as the case may be.

                                      Page 256
<PAGE>

     9.11 May Treat  Payee as Owner,.  Agent may deem and treat the payee of any
Notes as the owner thereof for all purposes  hereof,  unless and until a written
notice of the  assignment or transfer  thereof shall have been filed with Agent,
which such notice shall  reasonably  identify the assignee of transferee of such
Notes. Any request, authority or consent of any person who at the time of making
such request or giving such authority or consent is the holder of any Note shall
be conclusive and binding on any subsequent holder,  assignee,  or transferee of
such Note or of any Note or Notes issued in exchange therefor.

     9.12 Agent's  Reimbursement.  Each Lender agrees to reimburse  Agent in the
amount of such Lender's  percentage for any expenses not reimbursed by Borrower:
(a) for which Agent is entitled to reimbursement by Borrower,  and (b) after the
occurrence of a default,  for any other expenses  incurred by Agent on behalf of
Lenders in connection with the enforcement of the Loan Documents.

     9.13 Rights as Lender.  With  respect to the Loan made by him and the Notes
issued to him,  Agent  shall have the same  rights and powers  hereunder  as any
Lender  and may  exercise  the same as  though it were not  Agent,  and the term
"Lender" or "Lenders," shall,  unless the context otherwise  specifies,  include
Agent in his  individual  capacity  as a  Lender.  Agent  may lend  money to and
generally engage in any kind of business with Borrower as if he were not Agent.

     9.14 Successor  Agent.  Agent may resign as Agent upon ten (10) days' prior
notice to Lenders.  If Agent shall resign as Agent,  then Required Lenders shall
appoint  from  among  Lenders a  successor  agent for  Lenders,  whereupon  such
successor agent shall succeed to the rights,  powers,  and duties of Agent,  and
the term  "Agent"  shall mean such  successor  agent  effective  upon his or its
appointment, and the former Agent's rights, powers, and duties as Agent shall be
terminated,  without any other or further act or deed on the part of such former
Agent or any of the other parties to this Agreement or any holders of the Notes.
After any retiring  Agent's  resignation  hereunder as Agent,  the provisions of
this Section 9 shall inure to his benefit as to any actions  taken or omitted to
be taken by him while he was Agent.

     9.15 Number of Documents. All certificates,  documents,  notices,  reports,
requests,  and  statements  furnished  Agent under the Loan  Documents  shall be
furnished in  sufficient  counterparts  so that Agent may furnish one to each of
Lenders.

     10. General Provisions.

     10.1 Nature of Lenders' Obligations.  The respective obligations of Lenders
under the Loan  Documen6ts,  including,  without  limitation,  the making of the
Loans by Lenders,  are several and not joint and no Lender shall be deemed to be
the  partner  or  agent of  another,  except  to the  extent  to which  Agent is
authorized to act as such.

     10.2 Independent Credit Decision.  Each Lender  acknowledges and represents
to Agent and each other  Lender  that  Lender  has,  independently  and  without
reliance upon Agent or any other Lender and based on the  information  furnished
by  Borrower  and such  other  documents  and  information  as Lender has deemed
appropriate, made Lender's own independent credit analysis and decision to enter
into this Agreement and the transactions  contemplated  hereby. Each Lender also
acknowledges  and  represents  to Agent and each other  Lender that Lender will,
independently  and without  reliance upon Agent or any other Lender and based on
such  documents and  information  as Lender shall deem  appropriate at the time,
continue to make  Lender's  own  independent  credit  decisions in taking or not
taking action under this Agreement and the transaction contemplated hereby.

     10.3 Amendments and Waivers. Required Lenders, or Agent with the consent in
writing of Required Lenders, and Borrower may, subject to the provisions of this
10.3, from time to time enter into written  supplemental  agreements to the Loan
Documents,  as the case may be,  for the  purpose  of  adding  or  deleting  any
provisions to or from any Loan Document or otherwise  changing or varying in any
manner  the  rights  of  Lenders  or  Borrower  thereunder  or  the  conditions,
provisions or terms thereof for waiving any default thereunder,  but only to the
extent specified in such written  agreements;  provided,  however,  that no such
supplemental agreement shall, without the consent of all of Lenders:

     10.3.1 Change the maturity of any Notes or the principal amount thereof, or
change the rate or the time of payment of interest thereon or any fee payable by
Borrower to Lenders of Agent, as the case may be, pursuant to this Agreement.

     10.3.2 Alter,  amend,  modify, or waive any term inthe Loan Documents which
would result in any  alteration,  amendment,  change,  modification or reduction
requiring the consent of all Lenders.

     10.3.3 Alter, amend or modify this 10.3.

     10.3.4  Consent to the  assignment  or transfer  by  Borrower  ofany of its
rights and obligations under any Loan Document.

                                      Page 257

<PAGE>

     10.3.5  Change the rights and duties of Agent,  provided  Agent  shall have
given his prior written consent thereto.

     Any such supplement agreements to the Loan Documents shall apply equally to
each of Lenders and shall be binding  upon  Borrower,  Lenders and Agent and all
future  holders of the  Notes.  No waiver by Lenders or Agent of any right or of
any default by Borrower under the Loan  Documents  shall be binding upon Lenders
unless in  writing  executed  by Lenders  or Agent.  In the case of any  waiver,
Borrower,  Lenders,  and Agent shall be restored to their  former  position  and
rights under the relevant Loan  Document and any default  waived shall be deemed
to be  cured  and  not  continuing,  but no  such  waiver  shall  extend  to any
subsequent or other default, or impair any right consequent thereon.

     10.4  Remedies.  No course of dealing  among  Borrower,  Lenders,  Required
Lenders,  and Agent,  as the case may be, and no delay or  omission  of Lenders,
Required  Lenders or Agent,  as the case may be, to exercise any right under the
Loan  Documents  shall  impair such right to be  construed to be a waiver of any
default or an acquiescence  therein,  and any single or partial  exercise of any
such right shall not preclude other or further  exercise thereof or the exercise
of any other  right.  All  remedies  contained  in the Loan  Documents or by law
afforded  shall be cumulative and all shall be available to Lenders and Required
Lenders,  as the case may be, until the Notes and other payment  obligations  in
the Loan Documents have been paid in full. Lenders and Required Lenders,  as the
case may be, may exercise such remedies in any order of priority.

     10.5 Benefit of Agreement.  Each Lender will accept its Note as evidence of
loans made in the ordinary  course of its business and will acquire its Note for
its own account without any present intention of making any sale or distribution
of its Note in any manner,  provided that the  disposition of each Lender's Note
shall be in the control of such  Lender.  The terms and  provisions  of the Loan
Documents shall be binding upon and inure to the benefit of Borrower and Lenders
and their respective successors and assigns, including,  without limitation, all
future holders of the Notes,  except Borrower shall not have any right to assign
its rights or  obligations  under the Loan  Documents or any  interest  therein,
without the prior written consent of Required Lenders.

     10.6 Survival of  Representations.  All  representations  and warranties of
Borrower contained in the Loan Documents shall survive delivery of the Notes and
the making of the Loan.

     10.7 Choice of Law and Construction.  The Loan Documents shall be construed
in  accordance  with the laws of the State of Illinois  applicable  to contracts
made and performed in Illinois by an Illinois  borrower and a lender  located in
Illinois.  Whenever  possible,  each  provision of the Loan  Documents  shall be
interpreted  in such manner as to be effective  and valid under such  applicable
law, but, if any  provisions of any Loan Document shall be held to be prohibited
or invalid under such  applicable law, such  provisions  shall be  ineffectively
only to the extent of such prohibition or invalidity,  without  invalidating the
remainder  of such  provision  or the  remaining  provisions  of any  such  loan
Document.

     10.8  Attorneys'  Fees.  Should any  litigation  be  commenced  between the
parties  hereto  concerning,  this  Agreement,  or the  rights and duties of the
parties in relation hereto, the prevailing party in any such litigation shall be
entitled to such reasonable attorneys' fees as the court may award.

     10.9 Severability.  The unenforceability of any provision of this Agreement
shall not affect the enforceability or validity of any other provision hereof.

     10.10  Section  Headings  and  References.  Section  headings  in the  Loan
Documents  are for  convenience  of  reference  only,  and shall not  govern the
interpretation of any of the provisions of the Loan Documents. All references to
sections in the Loan  Documents are to the section of the Loan Document in which
such section  reference  appears,  unless a different Loan Document is expressly
specified.

     10.11 Exhibits.  All exhibits  referred to in the Loan Documents are hereby
incorporated  into each other Loan  Documents by this reference and all terms as
defined in the Loan  Documents  shall have the same  meanings in such  exhibits,
unless  otherwise  defined in such  exhibits.  All references to exhibits in the
Loan  Documents  are to those  attached  to the  Loan  Document  in  which  such
reference appears, unless a different Loan Document is expressly specified.

                                      Page 258
<PAGE>

     10.12 Notices

     10.12.1  All  notices,  requests  and demands to or upon the parties to any
Loan Document  required or permitted to be given under such Loan Document  shall
be deemed given: (a) three (3) days following deposit in the United States mail,
postage prepaid;  (b) upon delivery to the telegraph  company for  transmission,
charges prepaid;  (c) in the case of a telecopies notice, when sent, and receipt
is  confirmed  by  telephone;  or (d) when  physically  delivered by hand to the
addressee of such notice by or on behalf of the person  initiating  such notice;
in each case addressed to the address or telecopier number of Borrower,  Lenders
and Agent, as the case may be,  appearing below their  respective  signatures to
this  Agreement.  Borrower,  Lenders  and Agent may each  change the  address or
telecopier  number for  service of notice  upon it by a notice in writing to the
others.

     10.12.2  Borrower hereby  authorizes  Lenders and Agent to set Loan closing
dates,  extend Loans  advances and accept  payments and  prepayments  under this
Agreement and the Notes based on oral or  telephonic  notices made by any person
or persons,  Lenders, and Agent, as the case may be, in good faith believe to be
acting on behalf of Borrower.  Borrower agrees to promptly  confirm to Agent any
oral or telephonic notice in writing signed by Borrower on the date such oral or
telephonic notice is made. If such written  confirmation differs in any material
respect from the action taken by Agent and Lenders  pursuant to any such oral or
telephonic  notice,  the  records  of Agent and  Lenders  shall  govern,  absent
manifest error, all as the case may be.

     10.13 Lawful Money.  Each reference in the Loan Documents to payment of any
amount of money is to lawful money of the United States of America.

     10.14 Entire  Agreement.  The Loan Documents and the documents  referred to
therein embody the entire agreements and understandings among Borrower, Lenders,
and Agent, and supersede all prior agreements and understandings among Borrower,
Lenders and Agent relating to the subject matter thereof, as the as may be.

     10.15 Term of Agreement.  The Loan Documents shall become  effective of the
Effective Date and terminate only when all the Notes,  all interest  thereon and
all other payment obligations under the Loan Documents have been paid in full.

     10.16 Further  Assurance.  Borrower  hereby  further agrees with Lenders to
execute,  acknowledge and delivery any and all such further assurances and other
agreements  or  instruments,  and to take or cause to be  taken  all such  other
actions,  as shall be  reasonably  requested by any Lender or Agent from time to
time in order to give full effect to this  Agreement and to maintain,  preserve,
safeguard and continue at all times the rights, remedies,  powers and privileges
of Lenders under this  Agreement,  all without any cost or expense to Lenders or
Agent.

     10.17  Counterparts.  The Loan  Documents  (other  than the  Notes)  may be
executed by the parties hereto and thereto  individually or, in any combinations
of the parties hereto, in several separate counterparts,  each of which shall be
an original and all of which taken  together  shall  constitute one and the same
agreement.

     10.18 Legal Representation.  Bruck & Perry, A Professional Corporation, has
acted as counsel to Borrower  in  connection  with the Loan and Loan  Documents.
Lenders and Agent  acknowledge  that Bruck & Perry, A Professional  Corporation,
have not  represented  Lenders  or Agent  in  connection  with the Loan and Loan
Documents and Lenders and Agent have not relied on Bruck & Perry, A Professional
Corporation.

     IN WITNESS WHEREOF, Borrower, Lenders and Agent have executed this
Agreement as of the date first above written.

                                                                      "Borrower"

                                                   RCP ENTERPRISES GROUP, L.L.C.
                                               an Ohio limited liability company

                                                 By: /s/ Richard C. Peplin, Jr.
                                                 Richard C. Peplin, Jr., Manager
                                                              25100 Detroit Road
                                                            Westlake, Ohio 44145
                                                    Attn: Richard C. Peplin, Jr.
                                                   Facsimile No.: (216) 871-0832

                                    Page 259

<PAGE>

                                                                       "Lenders"

                                               WISEMAN FAMILY TRUST UDT 10/31/89

                                             By: /s/ Troy Wiseman
                                                           Troy Wiseman, Trustee
                                                         1901 North Roselle Road
                                                                      Suite 1030
                                                            Schaumburg, IL 60195
                                                   Facsmilie No.: (847) 490-6519

                                                      /s/ Richard C. Peplin, Sr.
                                                              25100 Detroit Road
                                                            Westlake, Ohio 44145
                                                  Facsimilie No.: (216) 871-0832

                                                                         "Agent"

                                                      /s/ Richard C. Peplin, Sr.
                                                          RICHARD C. PEPLIN, SR.
                                                              25100 Detroit Road
                                                            Westlake, Ohio 44145
                                                   Facsimile No.: (216) 871-0832

                                      Page 260

<PAGE>

                                    EXHIBIT B

                                      NOTE

$50,000.00                                                      October 13, 1997

     1.  Obligation.  For value  received,  RCP  ENTERPRISES<  L.L.C.,  and Ohio
limited liability company (the "Company"), promises to pay to TROY D. WISEMAN AS
TRUSTEE  OF THE  WISEMAN  FAMILY  TRUST UDT  10/31/89  or order  ("Holder")  the
Principal Amount, or so much thereof as may be advanced and be outstanding,  and
Interest  (both  as  defined  below)  in the  manner  and  upon  the  terms  and
condition\s set forth herein (the "Obligation").

     2. Amount and  Payment of  Principal  Amount and  Interest.  The  principal
amount  ("Principal  Amount) of this Note is Fifty  Thousand and no/100  Dollars
($50,000.00). The outstanding principal balance of this Note shall bear interest
("Interest"() at the rate of thirty percent (30%) per annum; provided,  however,
in no event  shall the  Company be  obligated  to pay a rate of  interest  which
exceeds the maximum rate permissible under applicable usury law. This Note shall
be payable in equal monthly installments of principal and interest in the amount
of Two Thousand  Eight  Hundred Four Dollars and  Ninety-Six  Cents  ($2,804.96)
which shall be due on the 17th day o each month  commencing  November  17, 1997.
The entire  unpaid  Principal  Amount and any unpaid  Interest  shall be due and
payable on October 17,  1999.  The entire  amount of this Note may be prepaid on
not less than thirty (30) days notice on or after April 17, 1997.

     3.  Application  of  Payments.  Each  payment  made on this  Note  shall be
credited first to any interest then due and second, to the outstanding principal
balance hereof.

     4.  Manner  and Place of  Payment.  Payments  of the  Principal  Amount and
Interest  shall  be made in  lawful  money  of the  United  States  of  America.
Principal  and  Interest  are  payable to the Holder but shall be  delivered  to
Richard  C.  Peplin,  St.,  as  agent  for the  Holder  in  accordance  with the
provisions of the Revolving Loan  Agreement  dated October 13, 1997 by and among
the  Wiseman  Family  Trust  UDT  10.31.89,  Richard  C.  Peplin,  St.,  and the
additional  lenders who become  parties to the  Revolving  Loan  Agreement,  the
Company and Richard C. Peplin,  Sr.  ("Agent") at the principal office of Agent,
25100 Detroit Road, Westlake, Ohio 44145. At the option of the Company, payments
may be made by check mailed to Agent.

     5.  Security.  The  Obligation  shall be secured by a security  interest in
favor of Holder as set forth in that certain  Security  Agreement  dated October
13, 1997 by and among the Wiseman Family Trust UDT 10/31/89,  Richard C. Peplin,
Sr., and the  additional  lenders who become  parties to the Security  Agreement
("Secured Parties"),  the Company as debtor and Richard C. Peplin, Sr., as agent
for the Secured Parties ("Security Agreement").

                                      Page 261
<PAGE>

     6. Events of Default.  The  following  shall each  constitute  an "Event of
Default"  under this Note: (i) default in the payment when due of an installment
of Principal  Amount or interest under this Note and such default shall continue
for a period  of ten (10)  days;  (ii) any  default  under  the  Revolving  Loan
Agreement or the Security  Agreement;  and (iii) any of the following  events of
bankruptcy or insolvency:  (A) the Company shall file a voluntary  bankruptcy or
reorganization  petition under the provisions of the Federal Bankruptcy Act, any
other  bankruptcy or insolvency law or any other similar  statute  applicable to
the Company  ("Bankruptcy Laws"), (B) the Company shall consent to the filing of
any bankruptcy or  reorganization  petition against it under any Bankruptcy Law,
(C) the  Company  shall file a petition or answer or consent  seeking  relief or
assisting in seeking relief for the Company in a proceeding under any Bankruptcy
Law or any answer admitting the material allegations of a petition filed against
it in such a  proceeding,  (D) the  Company or its  members  shall  take  action
looking tot he dissolution or liquidation of the Company,  (E) the Company shall
make an assignment for the benefit of its creditors, (F) the Company shall admit
in writing its inability to pay its debts  generally as they become due, (G) the
Company shall consent to the appointment of a receiver,  trustee,  or liquidator
of it or of any substantial part of its property, (H) by the order of a court of
competent jurisdiction,  a received,  liquidator or trustee of the Company or of
any  substantial  part of its  property  shall be appointed  and such  receiver,
liquidation or trustee shall not have been discharged  within a period of thirty
(30)  days,  (I) by decree of such a court,  the  Company  shall be  adjudicated
bankrupt or  insolvent  or any  substantial  part of the property of the Company
shall have been  sequestered  and such decree shall have continued  undischarged
and unstayed for a period of thirty (30) days after the entry thereof, or (J) an
involuntary  bankruptcy  reorganization  petition pursuant to any Bankruptcy Law
shall be filed against the Company (and, in the case of any such petition  filed
pursuant  to any  provision  of a statue  which  required  the  approval of such
petition  by a  court,  shall be  approved  by such a court)  and  shall  not be
dismissed within thirty (30) days after such filing.

     7. Demand Upon Event of Default. Upon the occurrence of an Event of Default
specified in Section 6 above,  all Interest and the unpaid  Principal  Amount of
this Note shall become immediately due and payable, without further presentment,
notice or demand for payment.

     8. Expenses of Enforcement.  The Company agrees to pay all reasonable costs
and expenses,  INCLUDING  WITHOUT  LIMITATION  REASONABLE  ATTORNEYS' FEES, AS A
COURT OF  COMPETENT  JURISDICTION  SHALL  AWARD,  WHICH  Holder  shall  incur in
connection  with  any  legal  action  or  legal  proceeding  commenced  for  the
collection of this Note or the exercise, preservation or enforcement of Holder's
rights and remedies thereunder.

     9. Cumulative Rights and Remedies.  All rights and remedies of Holder under
this Note shall be cumulative  and not  alternative  and shall be in addition to
all rights and remedies available to Holder under applicable Law.

     10.  Governing  Law.  This Note shall be  governed by and  interpreted  and
construed in  accordance  with the laws of the State of Illinois.  Any action or
proceeding  arising  under or  pursuant  to this Note  shall be  brought in Cook
County, Illinois.

     IN WITNESS  WHEREOF,  the Company  has caused this Note to be executed  and
delivered at  Westlake,  Ohio by its duly  authorized  officers as if the da and
year first above written.

                                                   RCP ENTERPRISES GROUP, L.L.C.
                                               an Ohio limited liability company

                                                By: /s/ Richard C. Peplin, Jr.
                                                 Richard C. Peplin, Jr., Manager

                                      Page 262
<PAGE>

<TABLE>
<S>
10-10-97               <C>                   <C>                        <C>                  <C>                      <C>

Wiseman
Loan Amount:                        $50,000.00       Load Date:                                            10-13-1997
Term of Loan:                       24               Annual Interest Rate:                          30.000%
Amortization Method:                Normal, 360 D/Y  Interest Compounded:                           Monthly

PMT               Due Date                  Payment Amount    Interest Principal                 Balance

1                 11-17-97                  2,804.96                   1,420.83         1,384.13                   48,615.87
2                 12-17-97                  2,804.96                   1,215.40         1,589.56                   47,026.31
                                            --------                   --------         --------
                  1997 totals               5,609.92                   2,636.23         2,973.69

3                 01-17-98                  2,804.96                   1,175.66         1,629.30                   45,397.01
4                 02-17-98                  2,804.96                   1,134.93         1,670.03                   43,726.96
5                 03-17-98                  2,804.96                   1,093.17         1,711.79                   42,015.19
6                 04-17-98                  2,804.96                   1,050,38         1,754.56                   40,260.61
7                 05-17-98                  2,804.96                   1,006.52         1,798.44                   38,462.17
8                 06-17-98                  2,804.96                      961.55        1,843.41                   36,618.76
9                 07-17-98                  2,804.96                      915.47        1,889.49                   34,729.27
10                08-17-98                  2,804.96                      868.23        1,936.73                   32,792.54
11                09-17-98                  2,804.96                      819.81        1,985.15                   30,807.39
12                10-17-98                  2,804.96                      770.18        2,034.78                   28,772.61
13                11-17-98                  2,804.96                      719.32        2,085.64                   26,686.97
14                12-17-98                  2,804.96                      667.17        2,137.79                   24,549.18
                                            --------                   ---------        --------

                  1998 totals                 33,659.         11,182.39      22,477.13

15                01-17-99                  2,804.96                      613.73        2,191.23                   22,357.95
16                02-17-99                  2,804.96                      558.95        2,246.01                   20,111.94
17                03-17-99                  2,804.96                      502.80        2,302.16                   17,809.78
18                04-17-99                  2,804.96                      445.24        2,359.72                   15,450.06
19                05-17-99                  2,804.96                      386.25        2,418.71                   13,031.35
20                06-17-99                  2,804.96                      325.76        2,479.18                   10,552.17
21                07-17-99                  2,804.96                      263.80        2,541.16                     8,011.01
22                08-17-99                  2,804.96                      200.28        2,604.68                     5,406.33
23                09-17-99                  2,804.96                      135.18        2,669.80                     2,736.53
24                10-17-99                  2,804.96                        68.41       2,736.53                            0.00
                                            --------                   ----------       --------

                  1999 totals                 28,049.58       3,500.40       24,549.18

                  Grand totals                67,319.          17,319.02      50,000.00
</TABLE>

                                      Page 263
<PAGE>

                                    EXHIBIT C

                                    GUARANTY

     This Guaranty is executed in connection with a Loan Agreement dated October
13,  1997 by and between  the TROY D.  WISEMAN AS TRUSTEE OF THE WISEMAN  FAMILY
TRUST UDT  10/31/89,  RICHARD C. PEPLIN,  SR. and those other persons who become
lenders  under the Term  Loan  Agreement  by  adopting  the Term Loan  Agreement
(collectively,  "Lenders"),  RICHARD C.  PEPLIN,  SR., as the initial  agent for
Lenders (Agent") and RCP ENTERPRISES  GROUP,  L.L.C.,  an Ohio limited liability
company ("Borrower").

     The undersigned  ("Guarantor")  hereby requests Lenders to make all or part
of the Loan to Borrower as  contemplated by the Loan Agreement and to accept the
Notes  issued by Borrower to Lenders  pursuant to the Loan  Agreement  ("Notes")
from Borrower.

     1.  Guarantor  hereby  unconditionally  guarantees  and  promises to pay to
Lenders any and all  indebtedness  of Borrower  to Lenders as  evidenced  by the
Notes.

     2. Either before or after revocation  hereof and in such manner,  upon such
terms and at such times as they  considers  best and with or  without  notice to
Guarantor, Lenders may alter, compromise,  accelerate, extend or change the time
or manner for the payment or performance of any indebtedness  hereby guaranteed,
release or add any one or more  guarantors  or endorsers,  accept  additional or
substituted  security thereof,  or release or subordinate any security therefor.
No exercise or nonexercise by Lenders of any right hereby given them, no dealing
by Lenders  with  Borrower or any other  person,  and no change,  impairment  or
suspension  of any right or remedy of Lenders shall in any way affect any of the
obligations  of Guarantor  hereunder  or any security  furnished by Guarantor or
give Guarantor any recourse against Lenders.

     3. Guarantor  waives and agrees not to assert or take advantage of: (a) any
right to require Lenders to proceed against  Borrower or any other person,  firm
or corporation or to proceed against or exhaust any security held by them at any
time or to  pursue  any other  remedy in their  power;  (b) the  defense  of the
statute of  limitations  in any action  hereunder or for the  collection  of any
indebtedness or the  performance of any obligation  guaranteed  hereby;  (c) any
defense that may arise by reason of the incapacity,  lack of authority, death or
disability  of, or  revocation  hereof by, any other or others or the failure of
Lenders to file or enforce a claim against the estate (either in administration,
bankruptcy,  or other proceeding) of any others; (d) demand,  protest and notice
of any kind including,  without limiting the generality of the foregoing, notice
of the existence,  creation or incurring of new or additional indebtedness or of
any  action  or  non-action  on the part of  Borrower,  Lenders,  any  endorser,
creditor of Borrower or  Guarantor  under this or any other  instrument,  or any
other  person  whomsoever,  in  connection  with any  obligation  or evidence of
indebtedness   held  by  Lenders  as  collateral  or  in  connection   with  any
indebtedness  or  obligation  hereby  guaranteed;  (e) any defense based upon an
election of remedies by Lenders,  including without  limitation,  an election to
proceed by nonjudicial rather then judicial foreclosure, which election destroys
or otherwise impairs  subrogation  rights of Guarantor or the right of Guarantor
proceed against Borrower for reimbursement,  or both, if any, including, without
limitation,  the impairment of subrogation  rights arising by virtue of statute;
(f) any defense or right based upon the fair value  deficiency  protections  and
provisions  of  applicable  law; and (g) any  suretyship  defenses  available to
Guarantor under applicable law.

     4.  Guarantor,  by  execution  hereof,   represents  to  Lenders  that  the
relationship between Guarantor and Borrower is such that Guarantor has access to
all relevant facts and information  concerning the indebtedness and Borrower and
that Lenders can rely upon Guarantor's having such access.  Guarantor waives and
agrees not to assert any duty on the part of Lenders to  disclose  to  Guarantor
any facts that Lenders may now or hereafter know about  Borrower,  regardless of
whether Lenders have reason to believe that any such facts  materially  increase
the risk beyond that which Guarantor intends to assume, or has reason to believe
that such facts are unknown to  Guarantor,  or has a reasonable  opportunity  to
communicate  such facts to Guarantor.  Guarantor is fully  responsible for being
and  keeping   informed  of  the   financial   condition  of  Borrower  and  all
circumstances  bearing  on the final  risk of  non-payment  of the  indebtedness
guaranteed hereby.

                                    Page 264
<PAGE>

     5. Until the Notes have been paid in full, Guarantor shall have no right of
subrogation  and waives any right to enforce any remedy which Lenders now has or
may  hereafter  have  against  Borrower  and any  benefit  of and any  right  to
participate in, any security now or hereafter held by Lenders.

     6. The amount of Guarantor's  liability and all rights, powers and remedies
of Lenders  hereunder and under any other agreement now or at any time hereafter
in force between Lenders and Guarantor shall be cumulative and not  alternative,
and such rights,  powers and remedies shall be in addition to all rights, powers
and remedies given to Lenders by law.

     7. Guarantor's  obligations hereunder are independent of the obligations of
Borrower and in the event of any default hereunder, a separate action or actions
may be  brought  and  prosecuted  against  Guarantor  whether  action is brought
against  Borrower  or whether  Borrower is joined in any such action or actions.
Lenders may maintain  successive  actions for other  defaults.  Lender's  rights
hereunder  shall not be  exhausted  by their  exercise to any of their rights or
remedies or by any such action or by any number of successive  actions until and
unless all  indebtedness  and obligations  hereby  guaranteed have been paid and
fully performed.

     8. Guarantor agrees to pay to Lenders without demand reasonable  attorneys'
fees and all  costs  and  other  expenses  which  Lenders  expends  or incurs in
collecting or  compromising  any  indebtedness  of Borrower or in enforcing this
guaranty against Guarantor including, without limitation,  reasonable attorneys'
fees,  costs and other such  expenses  incurred  in any  bankruptcy  proceeding.
Guarantor  warrants  represents  that it is  fully  empowered  to  execute  this
guaranty.

     9.  This  guaranty  shall  bind  Guarantor's  successors  and  assigns.  No
delegation or assignment of this guaranty by Guarantor  shall be of any force or
effect or release Guarantor from any obligation hereunder.

     10. No  provision  of this  guaranty or right of Lenders  hereunder  can be
waived nor can Guarantor be released from his obligations  hereunder except by a
writing  duly  executed by Lenders.  Should any one or more  provisions  of this
Guaranty be determined to be invalid or unenforceable,  the remaining provisions
hereof shall be deemed  severable  therefrom  and shall remain in full force and
effect.

     11. This  Guaranty  shall be governed  by, and  construed  and  enforced in
accordance  with,  the internal  laws of the State of  Illinois.  All actions or
proceedings with respect to this guaranty may be instituted in the courts of the
State of Illinois or a United States  District  Court located in Illinois.  Each
party consents to the jurisdiction of such courts.

     12.  Except as provided in any other  written  agreement now or at any time
hereafter in force between Lenders and Guarantor, this guaranty shall constitute
the entire  agreement  of  Guarantor  with  Lenders  with respect to the subject
matter  hereof  and  no  representation,  understanding,  promise  or  condition
concerning  the subject  matter  hereof  shall be binding  upon  Lenders  unless
expressed  herein or therein.  Any notice to  Guarantor  shall be deemed to have
been duly given when  delivered  personally or five (5) days after being mailed,
postage prepaid,  to 25100 Detroit Road,  Westlake,  Ohio 44145 or to such other
address(s) as Guarantor may from time to time designate by giving written notice
to Lenders.

         Executed by Guarantor on October 13, 1997.

                                                     /s/ Richard C. Peplin, Jr.
                                                         RICHARD C. PEPLIN, JR.

                                      Page 265

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