Document:

ARTICLES OF MERGER

                                       OF

                             HOMESIDE HOLDINGS, INC.

                                      INTO

                             HOMESIDE LENDING, INC.

         Pursuant  to the  provisions  of Chapter  607,  Florida  Statutes,  the
parties hereto hereby adopt the following  Articles of Merger for the purpose of
merging them into one corporation:

     1.  HOMESIDE   HOLDINGS,   INC.,  a  Florida   corporation   (the  "Merging
Corporation"),  shall be merged with and into HOMESIDE LENDING,  INC., a Florida
corporation  (the  "Surviving  Corporation"),   which  shall  be  the  surviving
corporation in the merger.

     2. The merger shall become effective on the date on which these Articles of
Merger are filed with the Florida Department of State (the "Effective Date").

     3. The Articles of  Incorporation  of the Merging  Corporation as in effect
immediately   prior  to  the  Effective   Date  shall  become  the  Articles  of
Incorporation of the Surviving Corporation.

     4. The Plan of Merger,  a copy of which is attached  hereto and made a part
hereof, was adopted and approved by the directors of the Merging  Corporation on
February 15, 2000 and by the directors of the Surviving  Corporation on February
15, 2000.

     5. Pursuant to Section 607.1104,  Florida Statutes, no shareholder approval
was required for this merger.

     6. The name of the Surviving  Corporation after the Merger shall remain and
be HOMESIDE LENDING, INC.

         IN  WITNESS  WHEREOF,   the  Surviving   Corporation  and  the  Merging
Corporation  have  caused  these  Articles  of  Merger to be  executed  by their
respective officers as of February 15, 2000.

HOMESIDE HOLDINGS, INC.                         HOMESIDE LENDING, INC.

By:               /S/                           By:               /S/
   -------------------------------------           ------------------
         Name: Robert J. Jacobs                          Name: Robert J. Jacobs
         Its: Vice President                             Its: Vice PresidentPLAN OF MERGER

         THIS PLAN OF MERGER (the  "Plan") is made and  entered  into as of this
15th day of February,  2000 by and between  HOMESIDE  HOLDINGS,  INC., a Florida
corporation (the "Merging  Corporation"),  and HOMESIDE LENDING, INC., a Florida
corporation  (the  "Surviving  Corporation").  The Merging  Corporation  and the
Surviving  Corporation are hereinafter sometimes referred to collectively as the
"Constituent Corporations."

                              W I T N E S S E T H:

         WHEREAS, the directors of the Constituent  Corporations have determined
that it would be in the best interest of such  corporations and their respective
shareholders  for the Merging  Corporation  to merge with and into the Surviving
Corporation in accordance with Florida Business Corporation Act.

         NOW,  THEREFORE,  in  consideration  of the  premises,  and the  mutual
covenants,  agreements,  provisions and grants herein contained, the Constituent
Corporations hereby agree and prescribe the terms and conditions of this Plan of
Merger and the mode of carrying the same into effect, as follows:

     1. Merger.  Subject to and on the terms and conditions set forth herein, on
the  Effective  Date (as defined in Section 2 below),  the  Merging  Corporation
shall be merged (the "Merger") with and into the Surviving Corporation, with the
Surviving Corporation remaining the surviving corporation.

     2. Effective Date. The Merger shall become effective upon the filing of the
Articles of Merger with the Florida Department of State (the "Effective Date").

     3. Effect of Merger.  Upon the Effective Date: (a) the Merging  Corporation
and the Surviving Corporation shall become a single corporation and the separate
corporate  existence of the Merging  Corporation  shall cease; (b) the Surviving
Corporation shall succeed to and posses all the rights, privileges,  powers, and
immunities of the Merging  Corporation  which,  together with all of the assets,
properties,   business,  patents,   trademarks,  and  goodwill  of  the  Merging
Corporation,  of every type and description wherever located,  shall vest in the
Surviving  Corporation  without further act or deed; (c) all rights of creditors
and all liens upon any  property of the  Constituent  Corporations  shall remain
unimpaired;  and (d) the name of the  Merging  Corporation  shall  remain and be
HOMESIDE LENDING, INC., without further act or deed.

     4. Articles of Incorporation,  Bylaws,  Officers and Directors of Surviving
Corporation.  Upon the Effective Date: (a) the Articles of  Incorporation of the
Merging  Corporation shall become the Articles of Incorporation of the Surviving
Corporation  until amended in the manner  provided by law; (b) the Bylaws of the
Surviving  Corporation  shall remain and continue as the Bylaws of the Surviving
Corporation  until  amended in the manner  provided by law; and (c) the officers
and  directors  of the  Surviving  Corporation  shall remain and continue as the
officers and directors of the Surviving  Corporation  until their successors are
duly  elected  and  qualified  in the manner  provided  for in the Bylaws of the
Surviving Corporation or by law.

     5. Cancellation of Shares.  Upon the Effective Date, all of the then-issued
and  outstanding  shares of capital  stock of the Merging  Corporation  shall be
automatically  canceled,  without any action on the part of the holder  thereof,
and  converted,  on a  one-for-one  basis,  into  shares of common  stock of the
Surviving Corporation.

     6.  Articles of Merger.  At the closing of the  Merger,  the parties  shall
promptly  execute the Articles of Merger  attached hereto and file the same with
the Florida Department of State.

     7.  Governing  Law.  This Plan of Merger shall be governed and construed in
accordance with the laws of the State of Florida.

     8. Counterparts.  This Plan of Merger may be executed in counterparts, each
of which when so executed shall constitute an original copy hereof,  but both of
which together shall be considered but one and the same document.

         IN WITNESS  WHEREOF,  the parties have  executed this Plan of Merger on
the date first above written.

                                             HOMESIDE HOLDINGS, INC.

                                             By:               /S/
                                                ------------------
                                             Name: Robert J. Jacobs
                                             Title: Vice President

                                             HOMESIDE LENDING, INC.

                                             By:               /S/
                                                ------------------
                                             Name: Robert J. Jacobs
                                             Title: Vice PresidentEXHIBIT 10.47

                                 FIFTH AMENDMENT

         This Fifth Amendment (the "5th Amendment") is made and entered into as
of this 23th day of February 2000 by and between NATIONAL DIAGNOSTICS, INC., an
Florida corporation ("NDI") and American Enterprise.com, Corp., formerly known
as American Enterprise Solutions, Inc., a Florida corporation ("AESI").

                                    RECITALS

         WHEREAS, NDI and AESI have entered into that certain Merger Agreement
dated February 23, 1998 as amended by that certain First Amendment dated March
17, 1998 and that certain Second Amendment dated April 29, 1998 and that Third
Amendment dated July 24, 1998 and that certain Fourth Amendment dated December
27, 1999 (the "Agreement") pursuant to which it is contemplated with AESI will
be merged (the "Merger") with and into NDI under the terms and conditions
specified in the Agreement; and

         WHEREAS, both parties to the Agreement have authorized and agreed to a
four to one reverse split of the NDI common stock; and

         WHEREAS, AESI and NDI have mutually agreed that it would be in the best
interest of the corporations that AESI oversee the operations and management of
the Brandon Diagnostic Centers, Ltd. and Sunpoint Diagnostics, Inc. effective
immediately;

         NOW, THEREFORE, in consideration of the premises set forth herein, and
for other good and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, the parties hereto, intending to be legally bound,
agree that the Agreement is hereby amended to incorporate and reflect the
following facts, terms and conditions:

         1) the NDI common stock shall be subject to a four to one reverse
         split;

         2) AESI shall oversee the operations and management of the Brandon
         Diagnostics, Ltd. and Sunpoint Diagnostics, Inc. effective as of the
         date of this Amendment.

         This Amendment may be executed in two or more counterparts, each of
which shall be

<PAGE>

deemed an original and all of which together shall constitute but one and the
same instrument.

         IN WITNESS WHEREOF, the parties hereto have executed this Amendment as
of the day and year first written above.

                           NATIONAL DIAGNOSTICS, INC.

By: /s/ CURTIS L. ALLISTON
    ------------------------------
                           Name:  Curtis L. Alliston
                           Title: President

                           AMERICAN ENTERPRISE.COM, CORP.

By: /s/ CHARLES BROES
    ------------------------------
                           Name:  Charles Broes
                           Title: C.E.O.EXHIBIT 10.3

                                     [LOGO]

                   Carey Agri International Poland Sp. z o.o.
                         ul. Lubelska 13, 03-802 Warszawa
                  Phone: (022) 618-50-25 Fax: (022) 618-02-38

                              EMPLOYMENT CONTRACT

Concluded on 10th January 2000
between:
CAREY AGRI INTERNATIONAL POLAND SP. Z O.O., with its registered seat in Warsaw,
13 Lubelska Street, represented by MR. WILLIAM V. CAREY hereinafter referred to
as "EMPLOYER"
and
MR. NEIL CROOK, residing at W. Kajle; 20, 04-634 Warsaw, hereinafter referred to
as "EMPLOYEE"

                                       ss1

The EMPLOYER hires the EMPLOYEE as the CHIEF FINANCIAL OFFICER.

                                       ss2

The agreement herewith is signed for a 3-YEAR PERIOD and can be dissolved by a
6-MONTH NOTICE.

                                      ss3

The range of duties of the employed party is the following but not limited to:
1. Preparing and presenting the reports regarding the:
 - P/L;
 - balance sheet;
 - actual overhead vs. projected overhead;
 - profitability ratios of the Company.
2. Cooperation with the Chief Accountant.
3. Cooperation with the controller in analyzing the overhead costs of Warsaw
   branch and other branches, as well as all subsidiaries of Carey.
4. All deferred tax work.
5. Preparation of the GAAP reports on a quarterly basis. Cooperation with the
   Company Management.

<PAGE>

6. Creation of the internal procedures on finances of the Company.
7. Creation of the internal procedures of reporting.

                                       ss4

The employment will begin as of February 7

                                       ss5

Throughout the duration of the contract the EMPLOYEE will be paid as follows:
1. Monthly remuneration of 2,000 USD (BRUTTO) paid in the equivalent of Polish
zlotys.
2. The average exchange rate announced on the day of payment by the National
Bank of Poland will be used to calculate the equivalent.

                                       ss6

The EMPLOYEE will be entitled to use a Company car in the range of a Ford Mondeo
for business purposes.

                                      ss7

The EMPLOYEE is entitled to annual vacation according to the Labor Code
provisions.

                                      ss8

All issues not regulated herein shall be settled in accordance with the Polish
Labor Code.

                                      ss9

Any modifications of this contract must be made in writing under the penalty of
nullity.

                                      ss10

This contract has been made in two identical copies, one for each Party.

      [ILLEGIBLE]                                    [ILLEGIBLE] 10/1/2000
---------------------------                          -----------------------
        Employer                                             Employee

<PAGE>

I declare that I have received a copy of this contract and after acknowledging
its substance, I accept the proposed terms of employment and remuneration.
Simultaneously, I acknowledge the work regulations presently in force within the
firm. I hereby confirm my undertaking to keep confidential all information
relating to my Employer and employment and not to convey them to any third
party.

       [ILLEGIBLE]                                        [ILLEGIBLE]
-----------------------                            -------------------------
        EMPLOYEE                                   RECIPIENT OF THE STATEMENT

<PAGE>

                             EMPLOYMENT AGREEMENT

     THIS EMPLOYMENT AGREEMENT ("Agreement") is entered into as of February 7th,
2000, by and between Central European Distribution Corporation, Inc., a Delaware
corporation (the "Company"), and Neil Crook ("Officer").

     WHEREAS, the Company desires to employ the Officer and the Officer desires
to be employed by the Company, on the terms and conditions set forth herein.

     NOW, THEREFORE, in consideration of the mutual covenants and agreements set
forth herein and other good and valuable consideration, the receipt and
sufficiency of which hereby are acknowledged, the parties hereto agree as
follows:

     1. TERM. The employment of the Officer by the Company shall commence on the
date of February 7th, 2000 and end three (3) years thereafter (the "Expiration
Date").

     2. POSITION AND DUTIES. The Officer shall serve as chief financial officer
of the Company. The job description is outlined in the employment contract with
the Company's subsidiary, Carey Agri. The Officer shall devote the Officer's
reasonable best efforts and substantially full business time to the performance
of the Officer's duties and advancement of the business and affairs of the
Company and the Subsidiary. Officer acknowledges that it is the intent of the
Company that his primary responsibilities shall be in connection with the
business of the Subsidiaries.

     3. COMPENSATION.

          5(a). BASE SALARY. The Officer shall be paid an annual base salary
(the "Base Salary") at the rate of $39,000 per year.

          5(b). STOCK OPTIONS. As part of the consideration for entering into
this Agreement and performing services hereunder, the Company grants stock
options for 15,000 shares in yearly blocks of 5,000 shares of common stock per
year starting from the employment date of February 7th, 2000. The exercise price
for each 5,000 share block shall be according to the following table:

          February 7th, 2000     5,000 shares of common stock
          February 7th, 2001     5,000 shares of common stock
          February 7th, 2002     5,000 shares of common stock

               (i) Each block shall be valid for a period of 48 months from the
exercise date and cannot be exercised for a statutory holding period of 12
months from the grant date.

<PAGE>

               (ii) If the employment contract is terminated by either party
during any year the options for that year and any future options will be
terminated. Any options received in prior years will still be valid.

          5(c). OTHER BENEFITS. The Officer shall be entitled to participate in
such plans and to receive such bonuses, incentive compensation and fringe
benefits as may be granted or established by the Company from time to time,
including the use of an automobile.

          5(d). VACATION; HOLIDAYS. The Officer shall be entitled to all public
holidays observed by the Subsidiary and vacation in accordance with the
applicable vacation policies for senior officers of the Company, which shall be
taken at a reasonable time or times.

     6. EXPENSES. The Company and the Subsidiary shall reimburse the Officer for
all reasonable expenses incurred by the Officer (in accordance with the policies
and procedures in effect for senior officers of the Company and the
Subsidiaries) in connection with the Officer's services under this Agreement.
The Officer shall account to the Company or the Subsidiary, as the case may be,
for such expenses in accordance with policies and procedures established by the
Company or Subsidiary.

     7. CONFIDENTIAL INFORMATION. The Officer covenants and agrees that the
Officer will not ever, without the prior written consent of the Board or a
person authorized by the Board, publish or disclose to any unaffiliated third
party or use for the Officer's personal benefit or advantage any confidential
information with respect to any of the Company's or Subsidiaries' products,
services, subscribers, suppliers, marketing techniques, methods or future plans
disclosed to the Officer as a result of the Officer's employment with the
Company, to the extent such information has heretofore remained confidential
(except for unauthorized disclosures) and except as otherwise ordered by a court
of competent jurisdiction.

     8. NON-COMPETITION. The Officer covenants and agrees that the Officer will
not, during the Officer's employment hereunder and for a period of one (1) year
thereafter (to the extent permitted by law), at any time and in any state or
other jurisdiction in which the Company or Subsidiary is engaged or has
reasonably firm plans to engage in business, (i) compete with the Company or any
Subsidiaries on behalf of the Officer or any third party; (ii) participate as a
director, agent, representative, stockholder or partner or have any direct or
indirect financial interest in any enterprise which engages in the alcohol
product distribution business or any other business in which the Company or
Subsidiaries are engaged; or (iii) participate as an employee or officer in any
enterprise in which the Officer's responsibility relates to alcohol product
distribution business or any other business in which the Company or Subsidiaries
are engaged

<PAGE>

     9. TERMINATION OF EMPLOYMENT.

          9(a). DEATH. The Officer's employment hereunder shall terminate upon
the Officer's death.

          9(b). BY THE COMPANY. The Company may terminate the Officer's
employment hereunder under the following circumstances with 180 days notice
unless there has been a material breach of the Agreement.

          (i). If the Officer shall have been unable to perform all of the
Officer's duties hereunder by reason of illness, physical or mental disability
or other similar incapacity, which inability shall continue for more than three
(3) consecutive months, the Company may terminate the Officer's employment
hereunder.

          9(c). BY THE OFFICER. The Officer may terminate the Officer's
employment hereunder for "Good Reason" with 180 days notice. For purposes of
this Agreement, "Good Reason" shall mean (i) the Company's failure to perform or
observe any of the material terms or provisions of this Agreement, and the
continued failure of the Company to cure such default within thirty (30) days
after written demand for performances has been given to the Company by the
Executive, which demand shall describe specifically the nature of such alleged
failure to perform or observe such material terms or provisions; or (ii) a
material reduction in the scope of the Officer's responsibilities and duties.
The termination notice is 180 days.

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