Document:

EXHIBIT 4.3

DATE: December 29, 2000                                          AMOUNT: $11,000

                        CONVERTIBLE PROMISSORY NOTE

         1.       Makers, LEBLANC & ASSOCIATES, INC., a Florida
corporation,(hereinafter referred to as the "Maker")  hereby  agrees to pay to
ZODIAC CAPITAL CORP. ("Payee")  at P.O. Box 1320 G.T., Grand Cayman, Cayman
Islands,  or such other address as may be designated by Payee, its successors
and assigns the sum of $11,000 together with interest on the outstanding
principal balance at the rate of 10% per annum calculated daily pursuant to the
following schedule;

                  Interest only on the outstanding principal balance shall be
payable quarterly with the first payment due March 31, 2001 and continuing
thereafter on the last day of each calendar quarter.

                  The remaining outstanding principal balance together with all
accrued interest shall be due and payable December 31, 2002.

                  Maker may prepay any portion of the outstanding principal
balance of this Note without penalty at any time during the term of this Note.
Any partial payment will be applied first to accrued interest and the remainder
to the outstanding principal balance.

         2.   Maker shall be deemed in Default if any quarterly payment is not
received within 15 days of its Due Date.

           In the event of any Default which is not cured within any curative
period, Payee may declare the entire unpaid principal balance to be due and
payable under the note. During any time that this Note is in Default, the
obligation shall accrue interest at the rate of 18% per annum.

           A Default shall be deemed to have occurred in the payment of the
obligations contained herein if the Maker:

(a) Fails to pay the Payee all amounts due by the Due Date and said payment
remains unpaid for three days, or otherwise fails to comply with or observe any
of the terms of this Promissory Note.

(b) Applies for the appointment of a receiver, trustee or custodian for any of
Purchaser's assets;

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(c) Files a petition under any section of the Bankruptcy Code or any similar law
or regulation;

(d) Makes an assignment for the benefit of their creditors;

(e) Becomes insolvent or becomes the subject of a petition under any section of
the Bankruptcy Code or any similar law or regulation.

         3. In lieu of repayment of principal, but not interest, Holder may, in
its sole and absolute discretion on written notice to the Maker choose to
convert any portion (but not less than $2,500 at a time) or all of the
outstanding debt into shares of common stock of the Maker at the conversion rate
of one share of common stock for every $.05 of indebtedness. In addition, for
every $1.00 of debt which the Holder chooses to convert into equity, the Holder
shall be granted a common stock purchase warrant which will grant to the holder
thereof, the right to purchase 20 shares of the Maker's $.001 par value common
stock at an exercise price of $.05 per share. Said warrant to expire two years
following each conversion notice sent by Holder to Maker. It is further agreed
and understood that there shall be no adjustment in the exercise price or
conversion ratio of this warrant in the event of any recapitalization or
reorganization of the Maker.

         4. Maker hereby waives presentment for payment, demand, notice of
demand, notice of nonpayment or dishonor, protest and notice of protest, and all
other notices connected with the delivery, acceptance, performance default or
enforcement of the payment of this Note.

         5. If any provision of this Note is held to be invalid or unenforceable
by a court of competent jurisdiction, the other provisions of this Note shall
remain in full force and effect.

         6. In the event of any breach of the obligations of Maker and any
litigation shall be required to secure repayment of the obligation the
prevailing party shall be entitled to recover all costs including reasonable
attorney's fees.

         7. This obligation shall be construed pursuant to the laws of the state
of Florida. By entering into this agreement the parties agree to be bound by the
jurisdiction of the Florida courts with venue for any dispute in Palm Beach
County, Florida.

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                           [Intentionally Blank]

         9.  This Note is freely assignable by the Holder.

         This promissory note executed this 29th day of December, 2000.

MAKER:                                                       WITNESS

LEBLANC & ASSOCIATES, INC.

  /s/Clarence LeBlanc
  ---------------------------------------            --------------------------
BY: Clarence LeBlanc, president

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                       BEFORE THE INSURANCE COMMISSIONER
                                     OF THE
                          COMMONWEALTH OF PENNSYLVANIA

IN RE:                           :   ORDER OF SUPERVISION
                                 :
RELIANCE INSURANCE COMPANY       :   Pursuant to Sections 510 and 511 of the
Three Parkway                    :   Insurance Department Act of 1921, P.L. 789,
Philadelphia, PA 19102           :   as amended, 40 P.S. ss.ss.221.10, 221.11.
                                 :
                                 :   Confidential Docket No. SP 81-01-031

                  -------------------------------------------
                              ORDER OF SUPERVISION
                  -------------------------------------------

                  AND NOW this 29th day of January 2001, pursuant to and in
accordance with Section 511 of the Insurance Department Act of 1921, Act of May
17, 1921, P.L. 789, as amended, 40 P.S. ss.221.11, and pursuant to the Consent
to Order of Supervision executed by Reliance Insurance Company ("Reliance")
under 40 P.S. ss.221.11(a), the Insurance Commissioner of the Commonwealth,
("Commissioner") issues this Order of Supervision, hereby placing Reliance under
the supervision of the Commissioner and/or her designated Supervisor upon the
following terms and conditions:

         1. Reliance has consented to the entry of this Order of Supervision and
has provided proper documentation of its consent.

         2. Reliance has acknowledged that it has received proper service of the
filing of this Order of Supervision and with respect to the entry of this Order
of Supervision, has waived its

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rights to hearing before the Commissioner or the Commonwealth Court of
Pennsylvania as provided in Section 510 of the Insurance Department Act of 1921
(40 P.S. ss.221.10) or any other applicable laws.

         3. This Order of Supervision is in addition to and in conjunction with
the Amended Letter of Agreement, dated January 23, 2001.

         4. Stephen J. Johnson, Deputy Insurance Commissioner, Office of
Regulation of Companies, or his successor, is hereby designated and appointed
Supervisor of Reliance ("Supervisor") with full authority under law with respect
to this Order of Supervision and as otherwise set forth in this Order of
Supervision.

         5. Reliance acknowledges the appointment by the Commissioner of an
on-site representative of the Commissioner and the Supervisor ("Representative")
to act as the agent of the Commissioner and the Supervisor to review and monitor
the business and operations of Reliance as follows:

                  a.       Reliance shall provide such facilities within the
                           executive offices of Reliance in both New York and
                           Pennsylvania and shall provide access to any
                           additional Reliance personnel as shall be reasonably
                           necessary for the conduct of the day-to-day duties
                           and responsibilities of the Representative.

                  b.       Reliance shall provide the Representative access to
                           all its directors, officers, and employees and shall
                           direct all such directors, officers and employees to
                           cooperate with the Representative in carrying out its
                           duties hereunder.

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                  c.       Reliance shall provide notice and access to the
                           Representative or his designee to attend, audit, and
                           observe in their entirety, all meetings of the Board
                           of Directors of Reliance and all meetings of any
                           committee of such Board of Directors.

                  d.       The Representative shall have the authority to retain
                           such personnel and consultants as are reasonably
                           necessary to carry out its duties and
                           responsibilities. The remuneration for the
                           Representative and the reasonable expenses of the
                           Representative in retaining any such personnel and
                           consultants shall be paid by Reliance. The Department
                           will not enter into any arrangement for remuneration
                           of the Representative, and the Representative will
                           not enter into any arrangement for personnel and
                           consultants without reasonable prior notice to
                           Reliance.

         6. If Reliance shall have breached any requirement of this Order of
Supervision and has not cured such breach after written notice of 10 days'
opportunity to cure such breach, the Department may take any action authorized
by law or equity, including, but not limited to, application to the Pennsylvania
Commonwealth Court for the appointment of a rehabilitator or liquidator of
Reliance.

         7. This Order of Supervision and its provisions shall remain
confidential pursuant to Sections 510 and 511 of the Insurance Department Act of
1921 (40 P.S. ss.ss.221.10 and 221.11) and shall not be disclosed by the
Department to any third party except for information which is generally
available to the public.

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         8. The authority of the Commissioner and her designated Supervisor to
enforce the provisions of this Order of Supervision is in addition to any and
all other authority under applicable laws including statutes and regulations and
including, but not limited to, the Examination Law (40 P.S. ss.ss.323.1, et
seq.)

         9. This Order of Supervision shall remain in effect until: This Order
of Supervision is superseded by a subsequent regulatory order; or after review
on an annual basis, the Commissioner determines that this Order of Supervision
is no longer necessary; or the Commissioner and Reliance both agree that this
Order of Supervision is no longer necessary.

         NOW, THEREFORE, based upon the Consent to Order of Supervision executed
by Reliance, the Commissioner issues this Order of Supervision pursuant to the
authority specifically granted by Section 511 of the Insurance Department Act of
1921 (40 P.S. ss.221.11.)

                                                /s/ M. Diane Koken
                                                -----------------------------
                                                M. Diane Koken
                                                Insurance Commissioner
                                                Commonwealth of Pennsylvania

DATED: January 29, 2001

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                             CERTIFICATE OF SERVICE
         -------------------------------------------------------------

         I hereby certify that I am this day serving the foregoing document upon
all parties of record in this proceeding in accordance with the requirements of
1 Pa. Code Chapter 33 in the following manner:

                Service by first-class mail, addressed as follows:
                --------------------------------------------------

                Reliance Insurance Company
                Three Parkway
                Philadelphia, PA 19102

                                          /s/ Lynne E. Fitzwater
                                          -------------------------
                                          LYNNE E. FITZWATER
                                          Department Counsel
                                          I.D. # 31951
                                          Pennsylvania Insurance Department
                                          1341 Strawberry Square
                                          Harristown State Office Building No. 1
                                          Harrisburg, PA 17120
                                          (717) 787-2567

                                          Counsel for the Insurance Department,
                                          Commonwealth of Pennsylvania

DATED: January 29, 2001

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