Document:

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                                                                    EXHIBIT 10.2

                          REGISTRATION RIGHTS AGREEMENT

         THIS REGISTRATION RIGHTS AGREEMENT ("AGREEMENT") is entered into as of
December 8, 2000 between Visual Data Corporation, a Florida corporation with
offices at 1291 S.W. 29th Avenue, Pompano Beach, Florida 33069 (the "COMPANY")
and each of the entities listed under "PURCHASERS" on the signature page hereto
(each a "PURCHASER" and collectively the "PURCHASERS"), each with offices at the
address listed under such Purchaser's name on Schedule I hereto.

                              W I T N E S S E T H:

         WHEREAS, pursuant to that certain Purchase Agreement by and between the
Company and the Purchasers (the "PURCHASE AGREEMENT"), the Company has agreed to
sell and issue to the Purchasers, and the Purchasers have agreed to purchase
from the Company, an aggregate of $2 million principal amount of the Company's
6% Convertible Debentures Due December 8, 2003 (the "INITIAL DEBENTURES") on the
terms and conditions set forth therein;

         WHEREAS, the Purchase Agreement contemplates that the Debentures will
be convertible into shares (the "INITIAL COMMON SHARES") of common stock, par
value $.0001, of the Company ("COMMON STOCK");

         WHEREAS, pursuant to the terms of, and in partial consideration for,
the Purchasers' agreement to enter into the Purchase Agreement, the Company has
agreed to issue warrants exercisable for shares of Common Stock (the "INITIAL
WARRANT SHARES") (the "INITIAL WARRANTS") in connection with the issuance of the
Debentures;

         WHEREAS, pursuant to the terms of the Purchase Agreement, the Company
has the right, under certain conditions, to sell, in the aggregate, in two
separate tranches, an additional $2,040,000 principal amount of Debentures (the
"ADDITIONAL DEBENTURES") and Warrants to purchase 100,000 Warrant Shares (the
"ADDITIONAL WARRANTS") (collectively the "ADDITIONAL SECURITIES")

         WHEREAS, pursuant to the terms of, and in partial consideration for,
the Purchasers' agreement to enter into the Purchase Agreement, the Company has
agreed to provide the Purchasers with certain registration rights with respect
to the Common Shares, Warrant Shares, shares of Common Stock issuable upon
conversion of the Additional Debentures (the "ADDITIONAL COMMON SHARES") and
upon exercise of the Additional Warrants (the "ADDITIONAL WARRANT SHARES") and
certain other rights and remedies with respect to the Debentures as set forth in
this Agreement;

         NOW, THEREFORE, in consideration of the mutual promises,
representations, warranties, covenants and conditions set forth in the Purchase
Agreement and this Agreement, the Company and the Purchasers agree as follows:

         1. Certain Definitions. Capitalized terms used herein and not otherwise
defined shall have the meaning ascribed thereto in the Purchase Agreement, the
Warrants or the

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Debentures. As used in this Agreement, the following terms shall have the
following respective meanings:

         "CLOSING" and "CLOSING DATE" shall have the meanings ascribed to such
terms in the Purchase Agreement.

         "COMMON SHARES" shall mean the Initial Common Shares and the Additional
Common Shares.

         "CONVERSION PRICE" shall have meaning ascribed to such term in Section
5(c) of the Debentures.

         "CONVERSION VALUE" shall mean the value that a Holder would be entitled
to receive upon (i) conversion of the Debentures at the Conversion Price then in
existence, without reference to Section 11 of the Debentures or to Section 3.13
of the Purchase Agreement, followed by (ii) the subsequent sale of the Common
Shares received thereby at the greater of the Market Price for Shares of Common
Stock in existence at the time (A) of the closing of a redemption of a Debenture
or (B) of the event triggering the right to redemption.

         "COMMISSION" or "SEC" shall mean the Securities and Exchange Commission
or any other federal agency at the time administering the Securities Act.

         "DEBENTURE AMOUNT" shall mean the Outstanding Principal Amount of, the
accrued but unpaid interest on, and the accrued but unpaid Delay Payments on,
the Debentures.

         "DEBENTURES" shall mean the Initial Debentures and the Additional
Debentures.

         "DELAY PAYMENT" shall mean a payment equal to 2% of the Debenture
Amount held by the relevant Holder.

         "EFFECTIVENESS DEADLINE" shall have the meaning set forth in Section
2(a).

         "EXCHANGE ACT" shall mean the Securities Exchange Act of 1934, as
amended.

         "EXERCISE PRICE" shall have the meaning set forth in the Warrants.

         "HOLDER" and "HOLDERS" shall mean the Purchaser or the Purchasers,
respectively, and any transferee of the Debentures, Warrants, Warrant Shares,
Common Shares, Additional Securities or Registrable Securities which have not
been sold to the public to whom the registration rights conferred by this
Agreement have been transferred in compliance with this Agreement.

         "INTERFERING EVENTS" shall have the meaning set forth in Section 2(b).

         "MARKET PRICE FOR SHARES OF COMMON STOCK" shall have the meaning
ascribed to such term in the Debentures.

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         "OUTSTANDING PRINCIPAL AMOUNT" shall have the meaning ascribed to such
term in the Debentures.

         "PREMIUM REDEMPTION PRICE" shall mean the following:

                  (a) as to the Debentures, the greater of (i) 120% of the
Debenture Amount and (ii) the Conversion Value;

                  (b) as to the Warrant Shares, 120% of the dollar amount which
is the product of (i) the number of shares to be redeemed, and (ii) the Market
Price for Shares of Common Stock in existence at the time (x) of the closing of
a redemption of the Warrant Shares or (y) of the event triggering the right to
redemption, whichever results in a greater Premium Redemption Price.

         "PUT NOTICE" shall have the meaning set forth in Section 2(b)(i)(B).

         "REGISTRABLE SECURITIES" shall mean: (a) the Common Shares and Warrant
Shares issued or issuable to each Holder or its permitted transferee or designee
upon conversion of the Debentures or exercise of the Warrants, as applicable, or
upon any stock split, stock dividend, recapitalization or similar event with
respect to such Common Shares or Warrant Shares; (b) any securities issued or
issuable to each Holder upon the conversion, exercise or exchange of any
Debentures, Warrants, Warrant Shares or Common Shares; and (c) any other
security of the Company issued as a dividend or other distribution with respect
to, conversion or exchange of, or in replacement of, Registrable Securities.

         The terms "REGISTER", "REGISTERED" and "REGISTRATION" shall refer to a
registration effected by preparing and filing a registration statement in
compliance with the Securities Act and applicable rules and regulations
thereunder, and the declaration or ordering of the effectiveness of such
registration statement.

         "REGISTRATION EXPENSES" shall mean all expenses to be incurred by the
Company in connection with each Holder's registration rights under this
Agreement, including, without limitation, all registration and filing fees,
printing expenses, fees and disbursements of counsel for the Company, "BLUE SKY"
fees and expenses, reasonable fees and disbursements of counsel to Holders
(using a single counsel selected by a majority in interest of the Holders) for a
"due diligence" examination of the Company and review of the Registration
Statement and related documents, which shall in no event exceed $5,000 and the
expense of any special audits incident to or required by any such registration
(but excluding the compensation of regular employees of the Company, which shall
be paid in any event by the Company).

         "REGISTRATION STATEMENT" shall have the meaning set forth in Section
2(a) herein.

         "REGULATION D" shall mean Regulation D as promulgated pursuant to the
Securities Act, and as subsequently amended.

         "SECURITIES ACT" or "ACT" shall mean the Securities Act of 1933, as
amended.

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         "SELLING EXPENSES" shall mean all underwriting discounts and selling
commissions applicable to the sale of Registrable Securities, all fees and
disbursements of counsel for Holders not included within "REGISTRATION EXPENSES"
and if the Holders engage a third party as an underwriter for the purpose of
distributing Registrable Securities on an underwritten basis, the fees and
expenses of such underwriting and any additional expenses of an accountant
incurred in order to obtain a "COMFORT LETTER."

         "WARRANTS" shall mean the Initial Warrants and the Additional Warrants.

         "WARRANT SHARES" shall mean the Initial Warrant Shares and the
Additional Warrant Shares.

         2. Registration Requirements. The Company shall use its best efforts to
effect the registration of the Registrable Securities (including without
limitation the execution of an undertaking to file post-effective amendments,
appropriate qualification under applicable "BLUE SKY" or other state securities
laws and appropriate compliance with applicable regulations issued under the
Securities Act) as would permit or facilitate the sale or distribution of all
the Registrable Securities in the manner (including manner of sale) reasonably
requested by the Holder and in all U.S. jurisdictions. Such best efforts by the
Company shall include the following:

                  (a) The Company shall, as expeditiously as reasonably possible
after the Closing Date:

                      (i) But in any event by the later of: (A) 30 days after
                  the Closing Date; (B) 10 days after the filing of the
                  Company's Annual Report on Form 10-KSB, pursuant to the
                  Exchange Act; or (C) January 24, 2001, prepare and file a
                  registration statement with the Commission on Form S-3 under
                  the Securities Act (or in the event that the Company is
                  ineligible to use such form, such other form as the Company is
                  eligible to use under the Securities Act) covering the
                  Registrable Securities (such registration statement, including
                  any amendments or supplements thereto and prospectuses
                  contained therein, is referred to herein as the "REGISTRATION
                  STATEMENT"), which Registration Statement, to the extent
                  allowable under the Securities Act and the rules promulgated
                  thereunder (including Rule 416), shall state that such
                  Registration Statement also covers such number of additional
                  shares of Common Stock as may become issuable to prevent
                  dilution resulting from stock splits, stock dividends or
                  similar events. The number of shares of Common Stock initially
                  included in such Registration Statement shall be no less than
                  the sum of (A) 175% of the sum of the number of shares of
                  Common Stock that as of the date of this Agreement would be
                  issuable upon conversion of the Debentures and the Additional
                  Debentures plus (B) the number of Warrant Shares that would be
                  issuable upon exercise of the Warrants and the Additional
                  Warrants in each case without regard to any limitation on the
                  Purchaser's ability to convert or exercise such securities.
                  Thereafter, the Company shall use its best efforts to cause
                  such Registration Statement to be declared effective as soon
                  as

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                  practicable, and in any event prior to 90 days after the
                  Closing Date, in the event that the Registration Statement is
                  not reviewed by the SEC or the NASD or 150 days after the
                  Closing Date, in the event that such review takes place (the
                  "EFFECTIVENESS DEADLINE"). The Company shall provide Holders
                  and their legal counsel reasonable opportunity to review any
                  such Registration Statement or amendment or supplement thereto
                  prior to filing.

                      (ii) Prepare and file with the SEC such amendments and
                  supplements to such Registration Statement and the prospectus
                  used in connection with such Registration Statement as may be
                  necessary to comply with the provisions of the Act with
                  respect to the disposition of all securities covered by such
                  Registration Statement in accordance with the intended methods
                  of disposition by the seller thereof as set forth in the
                  Registration Statement and notify the Holders of the filing
                  and effectiveness of such Registration Statement and any
                  amendments or supplements.

                      (iii) After the registration, furnish to each Holder such
                  numbers of copies of a current prospectus conforming with the
                  requirements of the Act, copies of the Registration Statement,
                  any amendment or supplement thereto and any documents
                  incorporated by reference therein and such other documents as
                  such Holder may reasonably require in order to facilitate the
                  disposition of Registrable Securities owned by such Holder.

                      (iv) Use its best efforts to register and qualify the
                  securities covered by such Registration Statement under such
                  other securities or "BLUE SKY" laws of all U.S. jurisdictions;
                  provided that the Company shall not be required in connection
                  therewith or as a condition thereto to qualify to do business
                  or to file a general consent to service of process in any such
                  states or jurisdictions.

                      (v) Notify each Holder promptly of the happening of any
                  event as a result of which the prospectus (including any
                  supplements thereto or thereof and any information
                  incorporated or deemed to be incorporated by reference
                  therein) included in such Registration Statement, as then in
                  effect, includes an untrue statement of material fact or omits
                  to state a material fact required to be stated therein or
                  necessary to make the statements therein not misleading in
                  light of the circumstances then existing, use its best efforts
                  to promptly update and/or correct such prospectus.

                      (vi) Notify each Holder promptly of the issuance by the
                  Commission or any state securities commission or agency of any
                  stop order suspending the effectiveness of the Registration
                  Statement or the initiation of any proceedings for that
                  purpose. The Company shall use its best efforts to prevent the
                  issuance of any stop order and, if any stop order is issued,
                  to obtain the lifting thereof at the earliest possible time.

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                      (vii) Permit a single firm of counsel, designated as
                  Holders' counsel by the Holders of a majority of the
                  Registrable Securities included in the Registration Statement,
                  to review the Registration Statement and all amendments and
                  supplements thereto within a reasonable period of time prior
                  to each filing, and shall not file any document in a form to
                  which such counsel reasonably objects.

                      (viii) Use its best efforts to list the Registrable
                  Securities covered by such Registration Statement with all
                  securities exchange(s) and/or markets on which the Common
                  Stock is then listed and prepare and file any required filings
                  with the National Association of Securities Dealers, Inc. or
                  any exchange or market where the Common Stock is then traded.

                      (ix) If applicable, take all steps necessary to enable
                  Holders to avail themselves of the prospectus delivery
                  mechanism set forth in Rule 153 (or successor thereto) under
                  the Act.

                      (x) File additional Registration Statements if the number
                  of Registrable Securities at any time exceeds 85% of the
                  number of shares of Common Stock then registered in the
                  existing Registration Statements hereunder.

                  (b) Set forth below in this Section 2(b) are (I) events that
may arise that the Purchasers consider will interfere with the full enjoyment of
their rights under the Debentures, Warrants, Additional Securities, the
Registrable Securities, the Purchase Agreement and this Agreement (the
"INTERFERING EVENTS"), and (II) certain remedies applicable in each of these
events.

                  Paragraphs (i) through (iv) of this Section 2(b) describe the
                  Interfering Events, provide a remedy to the Purchasers if an
                  Interfering Event occurs and provide that the Purchasers may
                  require that the Company redeem outstanding Debentures,
                  Warrants, or Registrable Securities at a specified price if
                  certain Interfering Events are not timely cured.

                  Paragraph (v) provides, inter alia, that each Holder shall
                  have the option as to whether it would like to receive any
                  payment required as a remedy in the case of certain of the
                  Interfering Events in cash or shares of Common Stock.

                  Paragraph (vi) provides, inter alia, that if payments required
                  as the remedy in the case of certain of the Interfering Events
                  are not paid when due, the Company may be required by the
                  Purchasers to redeem outstanding Debentures, Warrants, or
                  Registrable Securities at a specified price.

                  Paragraph (viii) provides, inter alia, that the Purchasers
                  have the right to specific performance.

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         The preceding paragraphs in this Section 2(b) are meant to serve only
as an introduction to this Section 2(b), are for convenience only, and are not
to be considered in applying, construing or interpreting this Section 2(b).

                      (i) Delay in Effectiveness of Registration Statement.

                          In the event that the Registration Statement has not
                      been declared effective by the Effectiveness Deadline,
                      unless such failure is as a result of any action or
                      inaction taken or not taken, as the case may be, by the
                      Holders, then the Conversion Price and the Exercise Price
                      shall each be reduced by 2% for each 30 day period (or
                      portion thereof) thereafter during which the Registration
                      Statement has not been declared effective; provided,
                      however, that if the Registrable Securities can be resold
                      by the Holders pursuant to Rule 144 under the Act, the
                      aggregate amount of adjustments to each of the Conversion
                      Price and the Exercise Price shall not exceed 16%.

                      (ii) No Listing; Premium Price Redemption for Delisting of
                  Class of Shares.

                          (A) In the event that the Company fails, refuses or is
                      unable to cause the Registrable Securities covered by the
                      Registration Statement to be listed with the applicable
                      Approved Markets and each other securities exchange and
                      market on which the Common Stock is then traded at all
                      times during the period ("Listing Period") commencing the
                      earlier of the effective date of the Registration
                      Statement or the 90th day following the Closing Date, and
                      continuing thereafter for so long as the Debentures are
                      outstanding, then the Company shall pay in cash or Common
                      Stock, as provided in Section 2(b)(v), to each Holder a
                      Delay Payment for each 30-day period (or portion thereof)
                      during the Listing Period from and after such failure,
                      refusal or inability to so list the Registrable Securities
                      until the Registrable Securities are so listed, which
                      Delay Payments shall not in the aggregate exceed the
                      maximum percentage permitted by law.

                          (B) In the event that shares of Common Stock of the
                      Company are delisted from the applicable Approved Markets
                      at any time following the Closing Date and remain delisted
                      for 5 consecutive business days, then at the option of
                      each Holder and to the extent such Holder so elects, the
                      Company shall on 5 business days notice either (1) pay in
                      cash or Common Stock (as provided in Section 2(b)(v)) to
                      such Holder a Delay Payment for each 30-day period that
                      the shares are delisted or (2) redeem the Debentures
                      and/or Warrants and/or Common Shares and/or Warrant Shares
                      held by such Holder, in whole or in part, at a

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                      redemption price equal to the Premium Redemption Price (as
                      defined above); provided, however, that such Holder may
                      revoke such request at any time prior to receipt of
                      payment of such Delay Payments or Premium Redemption
                      Price, as the case may be. Delay Payments shall no longer
                      accrue on Debentures after such Debentures have been
                      redeemed by the Company pursuant to the foregoing
                      provision.

                      (iii) Blackout Periods. In the event any Holder is unable
                  to sell Registrable Securities under the Registration
                  Statement for more than (A) seven (7) consecutive days or (B)
                  an aggregate of thirty (30) days in any 12 month period
                  ("Suspension Grace Period"), including without limitation by
                  reason of a suspension of trading of the Common Stock on the
                  Approved Market, any suspension or stop order with respect to
                  the Registration Statement or the fact that an event has
                  occurred as a result of which the prospectus (including any
                  supplements thereto) included in such Registration Statement
                  then in effect includes an untrue statement of material fact
                  or omits to state a material fact required to be stated
                  therein or necessary to make the statements therein not
                  misleading in light of the circumstances then existing, or the
                  number of shares of Common Stock covered by the Registration
                  Statement is insufficient at such time to make such sales (a
                  "Blackout"), then the Company shall pay in cash or Common
                  Stock (as provided in Section 2(b)(v)) to each Holder a Delay
                  Payment for each 30-day period (or portion thereof) from and
                  after the expiration of the Suspension Grace Period, which
                  Delay Payment shall not exceed the maximum percentage
                  permitted by law. In lieu of receiving the Delay Payment as
                  provided above, a Holder shall have the right but not the
                  obligation to elect to have the Company redeem its Debentures,
                  Warrants, Common Shares and Warrant Shares at the price equal
                  to the Premium Redemption Price.

                      (iv) Conversion Deficiency; Premium Price Redemption for
                  Conversion Deficiency. In the event that the Company does not
                  have a sufficient number of Common Shares available to satisfy
                  the Company's obligations to any Holder upon receipt of a
                  Conversion Notice (as defined in the Debenture) or is
                  otherwise unable or unwilling to issue such Common Shares in
                  accordance with the terms of the Debenture for any reason
                  after receipt of a Conversion Notice, then:

                          (A) The Company shall pay in cash or Common Stock (as
                      provided in Section 2(b)(v)) to each Holder a Delay
                      Payment for each 30-day period (or portion thereof) that
                      the Company fails or refuses to issue Common Shares in
                      accordance with the Debenture terms, which Delay Payment
                      shall not exceed the maximum percentage permitted by law;
                      provided, however, that if such failure is the result of
                      there being insufficient shares authorized to make such
                      issuance, such amount shall not be

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                      payable if the Company promptly (but in any event within
                      five (5) calendar days) authorizes and issues such shares,
                      and

                          (B) At any time five days after the commencement of
                      the running of the first 30-day period described above in
                      clause (A) of this paragraph (iv), at the request of any
                      Holder pursuant to a redemption notice, the Company
                      promptly (1) shall purchase from such Holder, at a
                      purchase price equal to the Premium Redemption Price, the
                      Debenture Amount of Debentures equal to such Holder's pro
                      rata share of the Deficiency (as such term is defined
                      below), if the failure to issue Common Shares results from
                      the lack of a sufficient number thereof and (2) shall
                      purchase all (or such portion as such Holder may elect) of
                      such Holder's Debentures at such Premium Redemption Price
                      if the failure to issue Common Shares results from any
                      other cause. The "Deficiency" shall be equal to the
                      Debenture Amount of Debentures that would not be able to
                      be converted for Common Shares, due to an insufficient
                      number of Common Shares available, if all the outstanding
                      Debentures were submitted for conversion at the Conversion
                      Price set forth in the Debentures as of the date such
                      Deficiency is determined. Any request by a Holder pursuant
                      to this paragraph (iv)(B) shall be revocable by that
                      Holder at any time prior to its receipt of the Premium
                      Redemption Price.

                  Notwithstanding the foregoing, in the event that the Company
                  is in compliance with its obligations under Section 3.13 of
                  the Purchase Agreement, and has not yet obtained the
                  stockholder approval set forth therein, then the Company shall
                  not be obligated to redeem Debentures to the extent that the
                  failure to satisfy the Company's obligations pursuant to a
                  Conversion Notice is due to the limitation set forth in
                  Section 3.13 of the Purchase Agreement.

                      (v) Delay Payment Terms; Status of Unpaid Delay Payments.
                  All Delay Payments (which payments shall be pro rata on a per
                  diem basis for any period of less than 30 days) required to be
                  made in connection with the above provisions shall be paid at
                  any time upon demand, by the fifteenth (15th) day of each
                  calendar month for the partial or full calendar month
                  occurring prior to that date. Such Delay Payments shall be
                  payable in cash or Common Stock, as determined by each Holder
                  in its sole discretion. If the Holder elects to be paid in
                  Common Stock, the Holder shall be entitled to that number of
                  shares of Common Stock as shall equal to the amount of such
                  Delay Payment multiplied by a fraction, the numerator of which
                  is one and the denominator of which is equal to the average of
                  the Market Price for Shares of Common Stock for the three (3)
                  business days prior to, but not including, the date upon which
                  such payments are due. Unless the Company shall receive
                  written notice to the contrary from the respective Holder, the
                  Delay Payments shall be paid in

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                  cash. Until paid as required in this Agreement, Delay Payments
                  shall be deemed added to, and a part of, the Outstanding
                  Principal Amount of a Holder's Debentures.

                      (vi) Premium Price Redemption for Delay Payment Defaults.
                  In the event that the Company fails or refuses to pay any
                  Delay Payment provided for in the foregoing paragraphs (i)
                  through (iv) when due, at any Holder's request and option, the
                  Company shall purchase all or a portion of the Debentures,
                  Warrants, Common Shares and/or Warrant Shares held by such
                  Holder (with Delay Payments accruing through the date of such
                  purchase), within five (5) days of such request, at a purchase
                  price equal to the Premium Redemption Price (as defined
                  above); provided that such Holder may revoke such request at
                  any time prior to receipt of such payment of such purchase
                  price. Until such time as the Company purchases such
                  Debentures at the request of such Holder pursuant to the
                  preceding sentence, at any Holder's request and option the
                  Company shall as to such Holder pay such amount by adding and
                  including the amount of such Delay Payment to the Outstanding
                  Principal Amount of a Holder's Debentures.

                      (vii) Cumulative Remedies. Each Delay Payment triggered by
                  an Interfering Event provided for in the foregoing paragraphs
                  (ii) through (iv) shall be in addition to each other Delay
                  Payment triggered by another Interfering Event; provided,
                  however, that in no event shall the Company be obligated to
                  pay to any Holder Delay Payments in an aggregate amount
                  greater than one Delay Payment for any 30-day period (or
                  portion thereof). The Delay Payments and mandatory redemptions
                  provided for above are in addition to and not in lieu or
                  limitation of any other rights the Holders may have at law, in
                  equity or under the terms of the Debentures, the Purchase
                  Agreement, the Warrants or this Agreement, including without
                  limitation the right to specific performance. Each Holder
                  shall be entitled to specific performance of any and all
                  obligations of the Company in connection with the registration
                  rights of the Holders hereunder.

                      (viii) Certain Acknowledgments. The Company acknowledges
                  that any failure, refusal or inability by the Company
                  described in the foregoing paragraphs (i) through (iv) and
                  paragraph (vi) will cause the Holders to suffer damages in an
                  amount that will be difficult to ascertain, including without
                  limitation damages resulting from the loss of liquidity in the
                  Registrable Securities and the additional investment risk in
                  holding the Registrable Securities. Accordingly, the parties
                  agree that it is appropriate to include in this Agreement the
                  foregoing provisions for Delay Payments and mandatory
                  redemptions in order to compensate the Holders for such
                  damages. The parties acknowledge and agree that the Delay
                  Payments and mandatory redemptions set forth above represent
                  the parties' good faith effort to quantify such damages and,
                  as such, agree that the form and amount of such Delay Payments
                  and mandatory redemptions are

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                  reasonable and will not constitute a penalty. The parties
                  agree that the provisions of this clause (viii) consist of
                  certain acknowledgments and agreements concerning the remedies
                  of the Holders set forth in clauses (i) through (iv) and
                  paragraph (vi) of this paragraph; nothing in this clause
                  (viii) imposes any additional default payments and mandatory
                  redemptions for violations under this Agreement.

                  (c) If the Holder(s) intend to distribute the Registrable
Securities by means of an underwriting, the Holder(s) shall so advise the
Company. Any such underwriting may only be administered by investment bankers
reasonably satisfactory to the Company.

                  (d) The Company shall enter into such customary agreements for
secondary offerings (including a customary underwriting agreement with the
underwriter or underwriters, if any) and take all such other reasonable actions
reasonably requested by the Holders in connection therewith in order to expedite
or facilitate the disposition of such Registrable Securities. In the event that
the offering in which the Registrable Securities are to be sold is deemed to be
an underwritten offering or an Purchaser selling Registrable Securities is
deemed to be an underwriter, the Company shall:

                      (i) make such representations and warranties to the
                  Holders and the underwriter or underwriters, if any, in form,
                  substance and scope as are customarily made by issuers to
                  underwriters in secondary offerings;

                      (ii) cause to be delivered to the sellers of Registrable
                  Securities and the underwriter or underwriters, if any,
                  opinions of independent counsel to the Company, on and dated
                  as of the effective day (or in the case of an underwritten
                  offering, dated the date of delivery of any Registrable
                  Securities sold pursuant thereto) of the Registration
                  Statement, and within ninety (90) days following the end of
                  each fiscal year thereafter, which counsel and opinions (in
                  form, scope and substance) shall be reasonably satisfactory to
                  the Holders and the underwriter(s), if any, and their counsel
                  and covering, without limitation, such matters as the due
                  authorization and issuance of the securities being registered
                  and compliance with securities laws by the Company in
                  connection with the authorization, issuance and registration
                  thereof and other matters that are customarily given to
                  underwriters in underwritten offerings, addressed to the
                  Holders and each underwriter, if any.

                      (iii) cause to be delivered, immediately prior to the
                  effectiveness of the Registration Statement (and, in the case
                  of an underwritten offering, at the time of delivery of any
                  Registrable Securities sold pursuant thereto), and at the
                  beginning of each fiscal year following a year during which
                  the Company's independent certified public accountants shall
                  have reviewed any of the Company's books or records, a
                  "COMFORT" letter from the Company's independent certified
                  public accountants addressed to the Holders and each
                  underwriter, if any, stating that such

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                  accountants are independent public accountants within the
                  meaning of the Securities Act and the applicable published
                  rules and regulations thereunder, and otherwise in customary
                  form and covering such financial and accounting matters as are
                  customarily covered by letters of the independent certified
                  public accountants delivered in connection with secondary
                  offerings; such accountants shall have undertaken in each such
                  letter to update the same during each such fiscal year in
                  which such books or records are being reviewed so that each
                  such letter shall remain current, correct and complete
                  throughout such fiscal year; and each such letter and update
                  thereof, if any, shall be reasonably satisfactory to the
                  Holders.

                      (iv) if an underwriting agreement is entered into, the
                  same shall include customary indemnification and contribution
                  provisions to and from the underwriters and procedures for
                  secondary underwritten offerings;

                      (v) deliver such documents and certificates as may be
                  reasonably requested by the Holders of the Registrable
                  Securities being sold or the managing underwriter or
                  underwriters, if any, to evidence compliance with clause (i)
                  above and with any customary conditions contained in the
                  underwriting agreement, if any; and

                      (vi) deliver to the Holders on the effective day (or in
                  the case of an underwritten offering, dated the date of
                  delivery of any Registrable Securities sold pursuant thereto)
                  of the Registration Statement, and at the beginning of each
                  fiscal quarter thereafter, a certificate in form and substance
                  as shall be reasonably satisfactory to the Holders, executed
                  by an executive officer of the Company and to the effect that
                  all the representations and warranties of the Company
                  contained in the Purchase Agreement are still true and correct
                  except as disclosed in such certificate; the Company shall, as
                  to each such certificate delivered at the beginning of each
                  fiscal quarter, update or cause to be updated each such
                  certificate during such quarter so that it shall remain
                  current, complete and correct throughout such quarter; and
                  such updates received by the Holders during such quarter, if
                  any, shall have been reasonably satisfactory to the Holders.

                  (e) The Company shall make available for inspection, upon
reasonable written notice and during regular business hours, by the Holders,
representative(s) of all the Holders together, any underwriter participating in
any disposition pursuant to a Registration Statement, and any attorney or
accountant retained by any Holder or underwriter, all financial and other
records customary for purposes of the Holders' due diligence examination of the
Company and review of any Registration Statement, all SEC Documents (as defined
in the Purchase Agreement) filed subsequent to the Closing, pertinent corporate
documents and properties of the Company, and use its reasonable best efforts to
cause the Company's officers, directors and employees to supply all information
reasonably requested by any such representative, underwriter, attorney or
accountant in

                                       12
<PAGE>   13

connection with such Registration Statement, provided that such parties agree to
keep such information confidential.

                  (f) The Company shall file a Registration Statement with
respect to any newly authorized and/or reserved shares, with respect to its
obligation to reserve or register Registrable Securities, within 30 days of any
corporate action authorizing or reserving same and shall file a Registration
Statement with respect to additional Registrable Securities within 30 days of
the occurrence of an event referred to in Section 2(a)(x) and shall use its best
efforts to cause, in either case, such Registration Statement to become
effective within seventy-five (75) days of such corporate action or such
occurrence, as the case may be. If the Holders become entitled, pursuant to an
event described in clause (iii) of the definition of Registrable Securities, to
receive any securities in respect of Registrable Securities that were already
included in a Registration Statement, subsequent to the date such Registration
Statement is declared effective, and the Company is unable under the securities
laws to add such securities to the then effective Registration Statement, the
Company shall promptly file, in accordance with the procedures set forth herein,
an additional Registration Statement with respect to such newly Registrable
Securities. The Company shall use its best efforts to (i) cause any such
additional Registration Statement, when filed, to become effective under the
Securities Act, and (ii) keep such additional Registration Statement effective
during the period described in Section 5 below. All of the registration rights
and remedies under this Agreement shall apply to the registration of such newly
reserved shares and such new Registrable Securities, including without
limitation the remedy provisions contained in Section 2(b) herein.

         3. Expenses of Registration. All Registration Expenses incurred in
connection with any registration, qualification or compliance with registration
pursuant to this Agreement shall be borne by the Company, and all Selling
Expenses of a Holder shall be borne by such Holder.

         4. Registration on Form S-3; Other Forms. The Company shall use its
best efforts to qualify for registration on Form S-3 or any comparable or
successor form or forms, or in the event that the Company is ineligible to use
such form, such form as the Company is eligible to use under the Securities Act.

         5. Registration Period. In the case of the registration effected by the
Company pursuant to this Agreement, the Company will use its best efforts to
keep such registration effective until sales are permitted of all Registrable
Securities without registration under Rule 144(k).

         6. Indemnification.

                  (a) The Company Indemnity. The Company will indemnify each
Holder, each of its officers, directors and partners, and each person
controlling each Holder, within the meaning of Section 15 of the Securities Act
and the rules and regulations thereunder with respect to which registration,
qualification or compliance has been effected pursuant to this Agreement, and
each underwriter, if any, and each person

                                       13
<PAGE>   14

who controls, within the meaning of Section 15 of the Securities Act and the
rules and regulations thereunder, any underwriter, against all claims, losses,
damages and liabilities (or actions in respect thereof) arising out of or based
on any untrue statement (or alleged untrue statement) of a material fact
contained in any prospectus, offering circular or other document (including any
related registration statement, notification or the like) incident to any such
registration, qualification or compliance, or based on any omission (or alleged
omission) to state therein a material fact required to be stated therein or
necessary to make the statements therein, in light of the circumstances when
made, not misleading, or any violation by the Company of the Securities Act or
any state securities law or in either case, any rule or regulation thereunder
applicable to the Company and relating to action or inaction required of the
Company in connection with any such registration, qualification or compliance,
and will reimburse each Holder, each of its officers, directors and partners,
and each person controlling such Holder, each such underwriter and each person
who controls any such underwriter, for any legal and any other expenses
reasonably incurred in connection with investigating and defending any such
claim, loss, damage, liability or action, provided that the Company will not be
liable in any such case to a Holder to the extent that any such claim, loss,
damage, liability or expense arises out of or is based on any untrue statement
or omission based upon written information furnished to the Company by such
Holder or the underwriter (if any) therefor and stated to be specifically for
use therein. The indemnity agreement contained in this Section 6(a) shall not
apply to amounts paid in settlement of any such loss, claim, damage, liability
or action if such settlement is effected without the consent of the Company
(which consent will not be unreasonably withheld).

                  (b) Holder Indemnity. Each Holder will, severally and not
jointly, if Registrable Securities held by it are included in the securities as
to which such registration, qualification or compliance is being effected,
indemnify the Company, each of its directors, officers, partners, and each
underwriter, if any, of the Company's securities covered by such a registration
statement, each person who controls the Company or such underwriter within the
meaning of Section 15 of the Securities Act and the rules and regulations
thereunder, each other Holder (if any), and each of their officers, directors
and partners, and each person controlling such other Holder(s), against all
claims, losses, damages and liabilities (or actions in respect thereof) arising
out of or based on any untrue statement (or alleged untrue statement) of a
material fact contained in any such registration statement, prospectus, offering
circular or other document, or any omission (or alleged omission) to state
therein a material fact required to be stated therein or necessary to make the
statement therein not misleading, and will reimburse the Company and such other
Holder(s) and their directors, officers and partners, underwriters or control
persons for any legal or any other expenses reasonably incurred in connection
with investigating and defending any such claim, loss, damage, liability or
action, in each case to the extent, but only to the extent, that such untrue
statement (or alleged untrue statement) or omission (or alleged omission) is
made in such registration statement, prospectus, offering circular or other
document in reliance upon and in conformity with written information furnished
to the Company by such Holder and stated to be specifically for use therein, and
provided that the maximum amount for which such Holder shall be liable under
this indemnity shall not exceed the net proceeds received by such Holder from
the sale of the Registrable Securities. The indemnity agreement

                                       14
<PAGE>   15

contained in this Section 6(b) shall not apply to amounts paid in settlement of
any such claims, losses, damages or liabilities if such settlement is effected
without the consent of such Holder (which consent shall not be unreasonably
withheld).

                  (c) Procedure. Each party entitled to indemnification under
this Section 6 (the "INDEMNIFIED PARTY") shall give notice to the party required
to provide indemnification (the "INDEMNIFYING PARTY") promptly after such
Indemnified Party has actual knowledge of any claim as to which indemnity may be
sought, and shall permit the Indemnifying Party to assume the defense of any
such claim in any litigation resulting therefrom, provided that counsel for the
Indemnifying Party, who shall conduct the defense of such claim or any
litigation resulting therefrom, shall be approved by the Indemnified Party
(whose approval shall not be unreasonably withheld), and the Indemnified Party
may participate in such defense at such party's expense, and provided further
that the failure of any Indemnified Party to give notice as provided herein
shall not relieve the Indemnifying Party of its obligations under this Article
except to the extent that the Indemnifying Party is materially and adversely
affected by such failure to provide notice. No Indemnifying Party, in the
defense of any such claim or litigation, shall, except with the consent of each
Indemnified Party, consent to entry of any judgment or enter into any settlement
which does not include as an unconditional term thereof the giving by the
claimant or plaintiff to such Indemnified Party of a release from all liability
in respect to such claim or litigation. Each Indemnified Party shall furnish
such information regarding itself or the claim in question as an Indemnifying
Party may reasonably request in writing and as shall be reasonably required in
connection with the defense of such claim and litigation resulting therefrom.

         7. Contribution. If the indemnification provided for in Section 6
herein is unavailable to the Indemnified Parties in respect of any losses,
claims, damages or liabilities referred to herein (other than by reason of the
exceptions provided therein), then each such Indemnifying Party, in lieu of
indemnifying each of such Indemnified Parties, shall contribute to the amount
paid or payable by each such Indemnified Party as a result of such losses,
claims, damages or liabilities as between the Company on the one hand and any
Holder on the other, in such proportion as is appropriate to reflect the
relative fault of the Company and of such Holder in connection with the
statements or omissions which resulted in such losses, claims, damages or
liabilities, as well as any other relevant equitable considerations. The
relative fault of the Company on the one hand and of any Holder on the other
shall be determined by reference to, among other things, whether the untrue or
alleged untrue statement of a material fact or omission or alleged omission to
state a material fact relates to information supplied by the Company or by such
Holder.

         In no event shall the obligation of any Indemnifying Party to
contribute under this Section 7 exceed the amount that such Indemnifying Party
would have been obligated to pay by way of indemnification if the
indemnification provided for under Section 6(a) or 6(b) hereof had been
available under the circumstances.

         The Company and the Holders agree that it would not be just and
equitable if contribution pursuant to this Section 7 were determined by pro rata
allocation (even if the

                                       15
<PAGE>   16

Holders or the underwriters were treated as one entity for such purpose) or by
any other method of allocation which does not take account of the equitable
considerations referred to in the immediately preceding paragraphs. The amount
paid or payable by an Indemnified Party as a result of the losses, claims,
damages and liabilities referred to in the immediately preceding paragraphs
shall be deemed to include, subject to the limitations set forth above, any
legal or other expenses reasonably incurred by such Indemnified Party in
connection with investigating or defending any such action or claim.
Notwithstanding the provisions of this section, no Holder or underwriter shall
be required to contribute any amount in excess of the amount by which (i) in the
case of any Holder, the net proceeds received by such Holder from the sale of
Registrable Securities or (ii) in the case of an underwriter, the total price at
which the Registrable Securities purchased by it and distributed to the public
were offered to the public exceeds, in any such case, the amount of any damages
that such Holder or underwriter has otherwise been required to pay by reason of
such untrue or alleged untrue statement or omission or alleged omission. No
person guilty of fraudulent misrepresentation (within the meaning of Section
11(f) of the Securities Act) shall be entitled to contribution from any person
who was not guilty of such fraudulent misrepresentation.

         8. Survival. The indemnity and contribution agreements contained in
Sections 6 and 7 and the representations and warranties of the Company referred
to in Section 2(d)(i) shall remain operative and in full force and effect
regardless of (i) any termination of this Agreement or the Purchase Agreement or
any underwriting agreement, (ii) any investigation made by or on behalf of any
Indemnified Party or by or on behalf of the Company, and (iii) the consummation
of the sale or successive resales of the Registrable Securities.

         9. Information by Holders. Each Holder shall reasonably promptly
furnish to the Company such information regarding such Holder and the
distribution and/or sale proposed by such Holder as the Company may reasonably
request in writing and as shall be reasonably required in connection with any
registration, qualification or compliance referred to in this Agreement. The
intended method or methods of disposition and/or sale (Plan of Distribution) of
such securities as so provided by such Purchaser shall be included without
alteration in the Registration Statement covering the Registrable Securities and
shall not be changed without written consent of such Holder, except that such
Holder may not require an intended method of disposition which violates
applicable securities law.

         10. NASDAQ Limit on Stock Issuances. Section 3.13 of the Purchase
Agreement shall govern limits imposed by NASDAQ National Market rules on the
conversion of Debentures to the extent provided in the Purchase Agreement.

         11. Replacement Certificates. The certificate(s) representing the
Common Shares, Warrant Shares or Additional Shares held by the Purchaser (or
then Holder) may be exchanged by the Purchaser (or such Holder) at any time and
from time to time for certificates with different denominations representing an
equal aggregate number of Common Shares, Warrant Shares or Additional Shares, as
reasonably requested by the

                                       16
<PAGE>   17

Purchaser (or such Holder) upon surrendering the same. No service charge will be
made for such registration or transfer or exchange.

         12. Transfer or Assignment. Except as otherwise provided herein, this
Agreement shall be binding upon and inure to the benefit of the parties and
their successors and permitted assigns. The rights granted to the Purchasers by
the Company under this Agreement to cause the Company to register Registrable
Securities may be transferred or assigned (in whole or in part) to a transferee
or assignee of Debentures, Warrants or Additional Securities, and all other
rights granted to the Purchasers by the Company hereunder may be transferred or
assigned to any transferee or assignee of any Debentures Warrants or Additional
Securities; provided in each case that: (i) any transfer of Debentures or New
Debentures shall be for at least $50,000 in principal amount thereof; and (ii)
the Company must be given written notice by the such Purchaser at the time of or
within a reasonable time after said transfer or assignment, stating the name and
address of said transferee or assignee and identifying the securities with
respect to which such registration rights are being transferred or assigned;
provided that the transferee or assignee of such rights agrees in writing to be
bound by the provisions of this Agreement.

         13. Miscellaneous.

                  (a) Remedies. The Company and the Purchasers acknowledge and
agree that irreparable damage would occur in the event that any of the
provisions of this Agreement were not performed in accordance with their
specific terms or were otherwise breached. It is accordingly agreed that the
parties shall be entitled to an injunction or injunctions to prevent or cure
breaches of the provisions of this Agreement and to enforce specifically the
terms and provisions hereof, this being in addition to any other remedy to which
any of them may be entitled by law or equity.

                  (b) Jurisdiction. THE COMPANY AND EACH OF THE PURCHASERS (I)
HEREBY IRREVOCABLY SUBMITS TO THE EXCLUSIVE JURISDICTION OF THE UNITED STATES
DISTRICT COURT, THE NEW YORK STATE COURTS AND OTHER COURTS OF THE UNITED STATES
SITTING IN NEW YORK COUNTY, NEW YORK FOR THE PURPOSES OF ANY SUIT, ACTION OR
PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT AND (II) HEREBY WAIVES,
AND AGREES NOT TO ASSERT IN ANY SUCH SUIT ACTION OR PROCEEDING, ANY CLAIM THAT
IT IS NOT PERSONALLY SUBJECT TO THE JURISDICTION OF SUCH COURT, THAT THE SUIT,
ACTION OR PROCEEDING IS BROUGHT IN AN INCONVENIENT FORUM OR THAT THE VENUE OF
THE SUIT, ACTION OR PROCEEDING IS IMPROPER. THE COMPANY AND EACH OF THE
PURCHASERS CONSENTS TO PROCESS BEING SERVED IN ANY SUCH SUIT, ACTION OR
PROCEEDING BY MAILING A COPY THEREOF TO SUCH PARTY AT THE ADDRESS IN EFFECT FOR
NOTICES TO IT UNDER THIS AGREEMENT AND AGREES THAT SUCH SERVICE SHALL CONSTITUTE
GOOD AND SUFFICIENT SERVICE OF PROCESS AND NOTICE THEREOF. NOTHING IN THIS
PARAGRAPH SHALL AFFECT OR LIMIT ANY RIGHT TO SERVE PROCESS IN ANY OTHER MANNER
PERMITTED BY LAW.

                                       17
<PAGE>   18

                  (c) Notices. Any notice or other communication required or
permitted to be given hereunder shall be in writing by facsimile, mail or
personal delivery and shall be effective upon actual receipt of such notice. The
addresses for such communications shall be:

                  to the Company:

                           1291 S.W. 29th Avenue
                           Pompano Beach, Florida 33069
                           Phone: (954) 917-6655
                           Fax: (954) 917-0525
                           Attention: Randy Selman,
                                      Chief Executive Officer

                  with copies to:

                           Atlas Pearlman, P.A.
                           350 East Las Olas Boulevard
                           Fort Lauderdale, Florida 33301
                           Phone: (954) 766-7816
                           Fax: (954) 766-7800
                           Attention: Joel Mayersohn, Esq.

                  to the Purchasers:

                           To each Purchaser at the address and/or fax number
                           set forth on Schedule I of this Agreement

                  with copies to:

                           Kleinberg, Kaplan, Wolff & Cohen, P.C.
                           551 Fifth Avenue
                           New York, New York 10176
                           Phone: (212) 986-6000
                           Facsimile: (212) 986-8866
                           Attention: Stephen M. Schultz, Esq.

         Any party hereto may from time to time change its address for notices
by giving at least 10 days' written notice of such changed address to the other
parties hereto.

                  (d) Indemnity. Each party shall indemnify each other party
against any loss, cost or damages (including reasonable attorney's fees)
incurred as a result of such parties' breach of any representation, warranty,
covenant or agreement in this Agreement.

                  (e) Waivers. No waiver by any party of any default with
respect to any provision, condition or requirement of this Agreement shall be
deemed to be a

                                       18
<PAGE>   19

continuing waiver in the future or a waiver of any other provision, condition or
requirement hereof, nor shall any delay or omission of any party to exercise any
right hereunder in any manner impair the exercise of any such right accruing to
it thereafter. The representations and warranties and the agreements and
covenants of the Company and each Purchaser contained herein shall survive the
Closing.

                  (f) Execution. This Agreement may be executed in two or more
counterparts, all of which shall be considered one and the same agreement, it
being understood that all parties need not sign the same counterpart.

                  (g) Publicity. The Company agrees that it will not disclose,
and will not include in any public announcement, the name of any Purchaser
without its express written approval, unless and until such disclosure is
required by law or applicable regulation, and then only to the extent of such
requirement. The Company agrees to deliver a copy of any public announcement
regarding the matters covered by this Agreement or any agreement or document
executed herewith to each Purchaser and any public announcement including the
name of an Purchaser to such Purchaser, prior to the publication of such
announcements.

                  (h) No Piggyback on Registration. Except as set forth on
Schedule 3.18 to the Purchase Agreement, neither the Company nor any of its
security holders (and other than the Holders in such capacity pursuant hereto)
may include securities of the Company in the Registration Statement other than
the Registrable Securities, and the Company shall not after the date hereof
enter into any agreement providing any such right to any of its security
holders.

                  (i) Entire Agreement. This Agreement, together with the
Purchase Agreement, the Debentures, the Warrants and the agreements and
documents contemplated hereby and thereby, contains the entire understanding and
agreement of the parties, and may not be modified or terminated except by a
written agreement signed by both parties.

                  (j) Governing Law. THIS AGREEMENT AND THE VALIDITY AND
PERFORMANCE OF THE TERMS HEREOF SHALL BE GOVERNED BY AND CONSTRUED AND ENFORCED
IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW YORK APPLICABLE TO
CONTRACTS EXECUTED AND TO BE PERFORMED ENTIRELY IN SUCH STATE.

                  (k) Severability. The parties acknowledge and agree that the
Purchasers are not agents, affiliates or partners of each other, that all
representations, warranties, covenants and agreements of the Purchasers
hereunder are several and not joint, that no Purchaser shall have any
responsibility or liability for the representations, warrants, agreements, acts
or omissions of any other Purchaser, and that any rights granted to "PURCHASERS"
hereunder shall be enforceable by each Purchaser hereunder.

                  (l) Jury Trial. EACH PARTY HERETO WAIVES THE RIGHT TO A TRIAL
BY JURY.

                                       19
<PAGE>   20

                  (m) Titles. The titles used in this Agreement are used for
convenience only and are not to be considered in construing or interpreting this
Agreement.

                  (n) Amendments and Waivers. The provisions of this Agreement,
including the provisions of this sentence, may not be amended, modified or
supplemented, and waivers or consents to departures from the provisions hereof
may not be given, unless the same shall be in writing and signed by the Company
and the Holders of at least a majority of the then issued or issuable
Registrable Securities; provided, however, that, for the purposes of this
sentence, Registrable Securities that are owned, directly or indirectly, by the
Company, or an affiliate of the Company are not deemed outstanding.

                             Signature page follows

                                       19
<PAGE>   21

           IN WITNESS WHEREOF, the parties hereto have caused this Agreement to
be duly executed as of the date first above written.

                                    VISUAL DATA CORPORATION

                                    By:
                                        ----------------------------------------
                                        Name:
                                        Title:

                                    INVESTORS:

                                    HALIFAX FUND, L.P.

                                    By:
                                        ----------------------------------------
                                        Name:
                                        Title:

                                    PALLADIN OPPORTUNITY FUND, L.L.C.

                                    By:
                                        ----------------------------------------
                                        Name:
                                        Title:

                 SIGNATURE PAGE TO REGISTRATION RIGHTS AGREEMENT

<PAGE>   22

                                   SCHEDULE I

PURCHASER

Halifax Fund, L.L.C.
Palladin Opportunity Fund, L.L.C.
c/o The Palladin Group, L.P.
    195 Maplewood Avenue
    Maplewood, New Jersey 07040<PAGE>   1

                                                                   EXHIBIT 10.13

                                   AGREEMENT

         The parties set forth below, evidenced by their signatures affixed
hereto, do hereby agree as follows:

         1.  The Board of Directors of United States Telecommunications, Inc.
shall be configured as follows:

                  A. Reuben Pat Ballis

                  B. Paul Gregory

                  C. Aaron Grunfeld

                  D. Sam Dean

                  E. Richard Pollara or his assign

         Said Board shall remain in power for at least eleven (11) months.

         In the event, that Aaron Grunfeld does not accept his appointment to
the Board of Directors of United States Telecommunications, Inc., Richard
Pollara shall nominate and Richard Inzer shall have a first right of refusal
regarding the appointment of any prospective replacement Board member.

         2.  That certain I-NEX Consulting Group Agreement, a copy of which is
attached hereto as Exhibit A, shall be executed by the appropriate corporate
authorities.

         3.  That certain Law Suit titled United States Telecommunications, Inc.
Plaintiff v. Stephen Henderson et al. Defendant case No. 99 CA-010079, shall
upon execution of this agreement be immediately dismissed. A copy of the caption
page is attached hereto as Exhibit B.

         4.  Those certain United States Telecommunications Promissory Notes
made to the order of Richard Pollara in the approximate amount of Four Hundred
Sixty Thousand ($460,000) Dollars, copies of which are attached hereto as
Exhibit C, shall remain uncollected/unpaid until approximately January 2, 2000.
On or about January 2, 2000, Mr. Richard Pollara shall abandon and/or completely
release United States Telecommunications from any actual obligations with
respect to said notes.

         5.  All shares of United States Telecommunications, Inc. previously
issued to Prime Equities Group, Inc., Richard Inzer and/or his assigns shall be
deemed

<PAGE>   2

recognized by United States Telecommunications, Inc. as valid and properly
issued.

         6.       United States Telecommunications, Inc. shall immediately
issue to Prime Equities Group, Inc., or its assigns eighty-five thousand
(85,000) shares pursuant to the Agreement attached hereto as Exhibit D.

         7.       Seven thousand, five hundred ($7,500) Dollars shall be
immediately returned to R.L. Inzer and Company, Ltd.

Facsimile signature shall be deemed as original for the purpose of this
document.

         This Agreement shall be governed by and construed and enforced in
accordance with and subject to the laws of the State of Florida.

Signed this 21 day of December, 1999 (year).

                                    By: /s/ CHARLES POLLEY
                                       ------------------------------
                                       Intercontinental Brokers, Inc.
                                       Director

By:                                 By: /s/ RICHARD POLLARA
   --------------------------          ------------------------------
   Prime Equities Group, Inc.          Quantum Law, Inc.

Addendum:

         1.       The parties to this agreement will take all reasonable
measures to make sure the provisions are complied with.

         2.       The Board of Directors shall determine no later than January
10, 2000 where the books and records of the Corporation shall reside.

         3.       Richard Pollara and Sam Dean shall immediately reappoint Pat
Ballis and Paul Gregory to the Board of Directors and offer such position to
Aaron Grunfeld.

<PAGE>   3

                                                      EXHIBIT A to EXHIBIT 10.13

                      CONSULTANT AND MANAGEMENT AGREEMENT

         AGREEMENT dated the __ day of December, 1999, between United States
Telecommunications, Inc., a Florida corporation (hereinafter the "Company")
with an office at 5251 110th Avenue North, Suite 118, Clearwater, Florida 33760
(the "Company"), and I-NEX Consulting Group, Inc., a Nevada corporation, 675
Fairview, Suite 246, Carson City, Nevada 89701 (hereinafter the "Consultant").

                                  WITNESSETH:

         WHEREAS, the Company desires to engage the services of the consultant
and the Consultant is willing to accept such engagement, all on the terms
hereinafter set forth;

         NOW, THEREFORE, the parties agree as follows:

         1.   ENGAGEMENT. The Company hereby engages the Consultant as its
              Business Coordinating Specialist, Compliance Consultant and Keeper
              of the records, on the terms hereinafter set forth for a period of
              thirty (30) months, from the date of this Agreement or to
              terminate upon the date UST becomes a publicly traded company and
              a Chief Financial Officer has been appointed, from outside the
              present company's employee and/or management team, as well as
              approved by the Board of Directors of the Company, which ever
              occurs first and the Consultant hereby accepts such engagement.
              Consultant may select from among its employees, subject to the
              written approval of the Company, a "Managing Consultant," who
              shall render the services required of Consultant by the terms
              hereof.

         2.   DUTIES. The Consultant will render services in such executive,
              supervisory and general administrative capacities as the Board of
              Directors of the Company shall from time to time reasonably
              determine. Without limiting the foregoing, the Consultant shall
              oversee the Company's Regulatory compliance, including but not
              limited to Regulatory filings and records, attached hereto as
              Exhibit A is non exclusive list of some of those Regulatory
              matters and/or filings. The Consultant may travel wherever the
              Company may reasonably require. In connection with all such trips,
              the Consultant will be advanced or reimbursed all reasonable
              travel and living expenses provided the Consultant submits
              appropriate documentation for such expenses to the Company. The
              Consultant's employees will be entitled to first class travel and
              hotel accommodations.

         3.   EXCLUSIVITY. During its engagement with the Company neither the
              Consultant nor its employees, will (i) act for its or their own
              account in any manner which would interfere with the performance
              of Consultant's duties under this Agreement. Notwithstanding the
              foregoing, the Consultant and its employees may own equity
              securities of any Company engaged in securities exchange or
              regularly quoted in an over-the-counter market by one or more
              members of a

                                       1
<PAGE>   4

              national or an affiliated securities association and/or in a
              company(s) no so listed.

         4.   COMPENSATION.

              4.1  As of the date of execution of the agreement the Company will
              pay the Consultant a consulting fee at the rate of $10,000 per
              month in equal, daily (business day) installments unless otherwise
              approved by Consultant. Said payments shall be direct deposit into
              Consultant bank account unless otherwise approved by Consultant.
              Thereafter the Company shall raise the Consultant's consulting fee
              by not less than eight percent (8%) annually on the month and date
              on which this Agreement was signed for a period of thirty (30)
              months, from the date of this Agreement or until the company is
              sold, which ever occurs first and the Consultant hereby accepts
              such engagement. The Consultant will not be entitled to overtime
              or other additional compensation as a result of services performed
              during evenings, weekends, and or, holidays. Company shall supply
              and pay for not less than one (1) operational local and long
              distance cellular telephone to Consultant.

              4.2  ADDITIONAL COMPENSATION. Consultant shall be entitled to any
              additional compensation that in their official capacity the Board
              of Directors approve.

              4.3  DEDUCTIONS. The Company and Consultant agree that by the
              terms of this agreement Consultant, and the employees of
              Consultant, shall be independent contractors and not "employees"
              of the Company as the term "employee" is defined in any code,
              statute or administrative regulation of the United States of
              America or the State of Florida. Consultant expressly agrees that
              during or after the pendency of this agreement it will not contend
              that its employees are "employees" of the Corporation. For the
              purpose of procuring any benefits (monetary or otherwise) or
              remedies provided to "employees" and not provided to "independent
              contractors", by any code, statute or administrative regulation of
              the United States of America or the State of Florida. Consultant
              further expressly agrees that in keeping with its status as an
              independent contractor it will declare any consulting fee paid it
              pursuant to the terms of this agreement on IRS Form 1040, Schedule
              C, or its successor, and will be responsible for and pay its own
              income and employer's taxes in whatever sum they might be.

         5.   EXPENSES. The Company will reimburse the Consultant for all
              proper, normal and reasonable expenses incurred by the Consultant
              in performing its obligations under this Agreement upon the
              Consultant's furnishing the Company with

                                       2
<PAGE>   5

              evidence of such expenditures. The Consultant will not incur any
              unusual or major expenditures (in excess of $1,750.) without the
              Company's prior written approval. Without limiting the foregoing,
              the Consultant will not, without the Company's prior written
              approval, incur any travel expenses (including the cost of
              transportation, meals and lodging) in excess of $1,750 in the
              aggregate for any one trip.

         6.  BENEFITS.

              6.1  The Company and the Consultant agree that the Consultant will
              be responsible for the cost of Consultant's employees' medical,
              hospital, dental, or disability insurance, and that the Company
              shall not be responsible for procuring or paying for any such
              coverage. The Company and the Consultant agree that the Company
              shall not be responsible for the cost of an automobile to enable
              the Consultant to perform its duties under this agreement, nor
              shall the Company be responsible for the costs of insuring,
              maintaining, repairing or operating such automobile. The Company
              and the Consultant acknowledge that all of the expenses
              represented in this Section 6.1 were contemplated by, and included
              in, Consultant's annual consulting fee set forth in Section 4.1
              above.

              6.2  The Managing Consultant will be entitled to 30 days paid
              vacation during each calendar year (January 1 to December 31) in
              addition to any paid holidays which the Company observes. In
              addition, the Managing Consultant shall be entitled to fourteen
              (14) days-paid sick leave. Vacation and sick leave must be used
              during each calendar year; if it is not used, it will be
              forfeited. No payment will be made for unused vacation or sick
              leave time.

              6.3  The Consultant's consulting fee and other rights and benefits
              under this Agreement will not be suspended or terminated because
              the Managing Consultant is absent from work due to illness,
              accident or other disability, provided that such absence is deemed
              medically necessary as set forth under Section 7 below. The
              provisions of this Section 6.3 will not limit or affect the rights
              of the Company under Section 7.

         7.  TERMINATION.

              7.1  DEATH. Absent a written agreement between the Company and
              Consultant to replace the Managing Consultant, this Agreement
              shall automatically terminate upon the death of the Managing
              Consultant, and all monetary obligations of Company to Consultant
              as set forth herein (including Consultant's consulting fee set
              forth in Section 4.1 above and reimbursement for expenses as set
              forth in Section 5 above) shall be prorated to the date of death
              of the Managing Consultant and paid to Consultant.

              7.2  DISABILITY. If the Managing Consultant is unable to perform
              substantially all

                                       3
<PAGE>   6
              of his duties under this Agreement because of illness, accident or
              other disability (collectively referred to as "Disability"), and
              the Disability continues for more than three (3) consecutive
              months or an aggregate of more than six (6) months during any
              twelve (12) month period, then the Company may cause the Managing
              Consultant to be examined by a doctor or doctors selected by the
              Company, and the Managing Consultant will submit to all required
              examinations and will cooperate fully with such doctor or doctors
              and, if requested to do so, will make available to them his
              medical records. The Managing Consultant's own doctor may be
              present.

                  (i) If the examining doctor or doctors and the Managing
                  Consultant's own doctor determine that the Managing
                  Consultant's absence from work is medically necessary, the
                  Company will not suspend its obligations to the Consultant
                  under this Agreement.

                  (ii) If the examining doctor or doctors and the Managing
                  Consultant's own doctor determine that the Managing
                  Consultant's absence from work is not medically necessary, the
                  Company may suspend its obligations to the Consultant under
                  Sections 4.1, 4.2 and 5 on or after the expiration of said 3-
                  or 6-month period until the Company terminates such suspension
                  as hereinafter provided. The Company will terminate any such
                  suspension after the Disability has, in fact ended and after
                  it has received written notice from the Managing Consultant
                  that the Disability has ended and that he is ready, willing
                  and able to perform fully his services under this Agreement.
                  Termination of such suspension will be no later than one week
                  after the Company has received such notice from the Managing
                  Consultant. If any one or more periods of suspension continue
                  pursuant to the provisions of this Section for 3 consecutive
                  months or 6 months in the aggregate, then the Company may at
                  any time prior to termination of the then current period of
                  suspension, terminate the Consultant's engagement hereunder.

                  (iii) If the examining doctor or doctors and the Managing
                  Consultant's doctor do not agree as to whether the Managing
                  Consultant's absence from work is medically necessary, they
                  shall consult with a third doctor whom they choose by
                  agreement, and whose determination as to the medical necessity
                  of Consultant's absence shall be final.

              7.3 ADDITIONAL GROUNDS FOR AND METHODS OF TERMINATION. In addition
              to the methods of termination set forth in Sections 7.1 and 7.2
              above, this Agreement may be terminated before its normal
              expiration date by any of the following methods:

                  (i) By Consultant upon the giving of sixty (60) days written
                  notice to Company:

                                       4

<PAGE>   7

                  (ii) By Company giving written notice to Consultant for cause,
                  which said cause shall be limited to (a) Managing Consultant's
                  habitual intoxication or drug addiction; (b) Managing
                  Consultant's being finally convicted of a felony involving
                  moral turpitude; (c) a final adjudication by a Court of
                  competent jurisdiction of Managing Consultant being mentally
                  "incapacitated," as that term is defined in accordance with
                  the statutes or case law of the State of Florida.

              7.4 SEVERANCE. If this Agreement is terminated pursuant to
              Sections 7.1, 7.2, or 7.3.

              7.5 Consultant shall only be entitled to payment of any accrued
              consulting fee and outstanding expense reimbursement. If this
              Agreement is terminated for any other reason, the Company shall
              pay as severance to the Consultant the compensation to which
              Consultant would be entitled pursuant to this Agreement had the
              Agreement not been terminated.

              7.6 There are no other conditions or reasons for which the
              Consultant may be terminated other than those set forth above.

         8.  RESULTS OF THE CONSULTANT'S SERVICES.

              8.1 The Company will be entitled to and will own all the results
              and proceeds of the Consultant's services under this Agreement,
              including, without limitation, all rights throughout the world to
              any copyright, patent, trademark or other right and to all ideas,
              inventions, products, programs, procedures, formats and other
              materials of any kind created or developed or worked on by the
              Consultant during and as a result of its engagement by the
              Company; the same shall be the sole and exclusive property of the
              Company; and the Consultant will not have any right, title or
              interest of any nature, or kind therein. Without limiting the
              foregoing, it will be presumed that any copyright, patent,
              trademark or other right and any idea, invention, product,
              program, procedure, format or material created, developed or
              worked on by the Consultant at any time during the term of, and as
              a result of its engagement will be a result or proceed of the
              Consultant's services under this Agreement. The Consultant will
              take such action and execute such documents as the Company may
              request to warrant and confirm the Company's title to ownership of
              all such results and proceeds and to transfer and assign to the
              Company any rights which the Consultant may have therein. The
              Consultant's right to any compensation or other amounts under this
              Agreement will not constitute a lien on any results or proceeds of
              the Consultant's services under this Agreement.

              8.2 The Consultant acknowledges that the violation of any of the
              provisions of Section 8.1 will cause irreparable loss and harm to
              the Company which cannot

                                       5
<PAGE>   8

              be reasonably or adequately compensated by damages in an action at
              law, and, accordingly, that the Company will be entitled to
              injunctive and other equitable relief to enforce the provisions of
              that Section; but no action for any such relief shall be deemed to
              waive the right of the Company to an action for damages.

         9.   USE OF CONSULTANT'S NAME, ETC. The Company is hereby granted the
              right during the term of its engagement to make use of and to
              permit others to make use of the Managing Consultant's name,
              pictures, photographs, and other likenesses, and voice, in
              connection with the advertising, publicity and exploitation of any
              products, or in connection with the use or implementation of any
              of the Managing Consultant's services hereunder or the proceeds
              thereof. This right shall cease after termination of this
              Agreement by either party.

         10.  NEGATIVE COVENANTS.

              10.1 The Consultant, and its employees, will not, during or after
              the term of this Agreement, disclose to any third person or use or
              take any personal advantage of any confidential information or any
              trade secret of any kind or nature obtained during the term of
              this engagement.

              10.2 To the full extent permitted by law, neither the Consultant
              nor its employees will for a period of six months following the
              termination of this engagement with the Company:

                  (i) attempt to cause any person, firm or corporation which is
                  a customer of or has a contractual relationship with the
                  Company at the time of the termination of this engagement to
                  terminate such relationship with the Company, and this
                  provision shall apply regardless of whether such customer has
                  a valid contractual arrangement with the Company:

                  (ii) attempt to cause any employee of the Company to leave
                  such employment; engage any person who was an employee of the
                  Company at the time of the termination of this engagement or
                  cause such person otherwise to become associated with the
                  Consultant or with any other person, corporation, partnership
                  or other entity with which the Consultant may thereafter
                  become associated:

              10.3 The Consultant acknowledges that the violation of any of the
              provisions of this Section 10 will cause irreparable loss and harm
              to the Company which cannot be reasonably or adequately
              compensated by damages in an action at law, and, accordingly, that
              the Company will be entitled to injunctive and other equitable
              relief to prevent or cure any breach or threatened breach thereof,
              but no action for any such relief shall be deemed to waive the
              right of the Company to an action for damages.

                                       6
<PAGE>   9

              10.4 The Company shall immediately terminate any employee who
              states in either oral or written form a negative or untrue
              statement regarding Consultant.

         11.  GOVERNING LAW; REMEDIES.

              11.1 This agreement has been executed in the State of Florida and
              shall be governed by and construed in all respects in accordance
              with the law of the State of Florida.

              11.2 Except as otherwise expressly provided in this Agreement,
              any dispute or claim arising under or with respect to this
              Agreement will be resolved by arbitration in Tampa, Florida, in
              accordance with the Rules of the American Arbitration Association
              before a panel of three (3) arbitrators, one appointed by the
              Consultant, one appointed by the Company, and the third appointed
              by said Association. The decision or award of a majority of the
              arbitrators shall be final and binding upon the parties. Any
              arbitral award may be entered as a judgment or order in any court
              of competent jurisdiction.

              11.3 Notwithstanding the provisions for arbitration contained in
              this Agreement, the Company will be entitled to injunctive and
              other equitable relief from the courts as provided in Section
              6.2, 11 and 12.3 and as the courts may otherwise determine
              appropriate; and the Consultant agrees that it will not be a
              defense to any request for such relief that the Company has an
              adequate remedy at law. For purposes of any such proceeding the
              Company and the Consultant submit to the non-exclusive
              jurisdiction of the courts of the State of Florida and of the
              United States located in the County of Hillsborough, State of
              Florida, and each agrees not to raise and waives any objection to
              or defense based on the venue of any such court of forum non
              convenient.

              11.4 A court of competent jurisdiction, if it determines any
              provision of this Agreement to be unreasonable in scope, time or
              geography, is hereby authorized by the Consultant and the Company
              to enforce the same in such narrower scope, shorter time or
              lesser geography as such court determines to be reasonable and
              proper under all circumstances.

              11.5 The Company and the Consultant will also have such other
              legal remedies as may be appropriate under the circumstances
              including, inter alia, recovery of damages occasioned by a
              breach. The rights and remedies of the Company and the Consultant
              are cumulative and the exercise or enforcement of any one or more
              of them will not preclude the Company or the Consultant from
              exercising or enforcing any other rights or remedy.

         12.  INDEMNITY. To the extent permitted by law, the Company will
              indemnify the Consultant, and its employees, against any claim or
              liability and will hold the

                                       7
<PAGE>   10
              Consultant, and its employees, harmless from and pay any expenses
              (including, without limitation, legal fees and court costs),
              judgments, fines, penalties, settlements and other amounts
              arising out of or in connection with any act or omission of the
              Consultant, or any of its employees, performed or made in good
              faith on behalf of the Company pursuant to this Agreement,
              regardless of negligence. The Company will not be obligated to pay
              the Consultant's, or its employees' legal fees and related charges
              of counsel during any period that the Company furnishes, at its
              expense, counsel to defend the Consultant, or its employees; but
              any counsel furnished by the Company must be reasonably
              satisfactory to the Consultant. The foregoing provisions will
              survive termination of the Consultant's engagement by the Company
              for any reason whatsoever and regardless of fault. This provision
              shall apply to any and all time periods prior to the execution of
              this Agreement.

         13.  SEVERABILITY OF PROVISIONS. If any provision of this Agreement or
              the application of any such provision to any person or
              circumstance is held invalid, the remainder of this Agreement, and
              the application of such provision other than to the extent it is
              held invalid, will not be invalidated or affected thereby.

         14.  WAIVER. No failure by the Company or the Consultant to insist upon
              the strict performance of any term or condition of this Agreement
              or to exercise any right or remedy available to it will
              constitute a waiver. No breach or default of any provision of
              this Agreement will be waived, altered or modified. The Company
              may not waive any of its rights, except by a written instrument
              executed by the Company; the Consultant may not waive any of its
              rights, except by a written instrument executed by the
              Consultant. No waiver of any breach or default will affect or
              alter any term or condition of this Agreement, and such term or
              condition will continue in full force and effect with respect to
              any other then existing or subsequent breach or default thereof.

         15.  MISCELLANEOUS.

              15.1 This Agreement may be amended only by an instrument in
              writing signed by the Company and the Consultant.

              15.2 This Agreement shall be binding upon the parties and their
              respective successors and assigns. The Company may, without the
              Consultant's consent, transfer or assign any of its rights and
              obligations under this Agreement to any corporation which,
              directly or indirectly, controls or is controlled by the Company
              or is under common control with the Company or to any corporation
              succeeding to all or a substantial portion of the Company's
              business and assets, provided that the Company shall not be
              released from any of its obligations under this Agreement, and
              provided further that any such transferee or assignee agrees in
              writing to assume all the obligations of the Company hereunder.
              Control means the power to elect a majority of the directors of a
              corporation or in any other

                                       8
<PAGE>   11
              manner to control or determine the management of a corporation.
              Except as provided above, neither the Company nor the Consultant
              may without the other's prior written consent, transfer or assign
              any of its rights or obligations under this Agreement, and any
              such transfer or assignment or attempt thereat without such
              consent shall be null and void.

              15.3  All notices under or in connection with this Agreement shall
              be in writing and may be delivered personally or sent by mail,
              courier, fax, or other written means of communication to the
              parties at their addresses and fax numbers so forth below or to
              such other addresses and fax numbers as to which notice is given:

                  (a) if to the Company:
                  United States Telecommunications, Inc.
                  Attn: President
                  5251 110th Avenue North
                  Suite 118
                  Clearwater, Florida 33760

                  (b) if to the Consultant:
                  c/o Robert J. Huston III
                  Attorney at Law
                  4299 MacArthur Boulevard
                  Suite 100
                  Newport Beach, CA 92660

              Notice will be deemed given on receipt.

              15.4  Section headings are for purposes of convenient reference
              only and will not affect the meaning or interpretation of any
              provision of this Agreement.

              15.5  This Agreement constitutes the entire agreement of the
              parties and supersedes any and all prior agreements or
              understandings between them.

              15.6  The Consultant has reviewed this Agreement with counsel of
              his choice, and has not signed this Agreement under coercion,
              force or duress.

              15.7  The prevailing party in any dispute arising between the
              Company and the consultant under this Agreement shall be entitled
              to an award of reasonable attorney fees.

         Facsimile signatures shall be deemed as original for the purpose of
         this document.

                                       9
<PAGE>   12

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

                                    UNITED STATES TELECOMMUNICATIONS, INC.

                                    By:/s/ Richard Pollara
                                       --------------------------
                                       Richard Pollara, President
                                       For the Board of Directors of
                                       United States Telecommunications, Inc.

                                    I-NEX Consulting Group, Inc.

                                    By:/s/Richard Inzer
                                       --------------------------------
                                       For I-Nex Consulting Group, Inc.

                                       10
<PAGE>   13
                                                      EXHIBIT B TO EXHIBIT 10.13

            IN THE CIRCUIT COURT OF THE THIRTEENTH JUDICIAL CIRCUIT
                    IN AND FOR HILLSBOROUGH COUNTY, FLORIDA
                                 CIVIL DIVISION

UNITED STATES TELECOMMUNICATIONS,
INC., a Florida corporation,

                          Plaintiff,

vs.                                                           Case No.: 99-10079

STEPHEN HENDERSON, RUBEN P. BALLIS,
and PAUL GREGORY,

                          Defendants.

____________________________________________

                    VERIFIED COMPLAINT FOR INJUNCTIVE RELIEF

         1.  This is an action for temporary and permanent injunctive relief.

         2.  Plaintiff, UNITED STATES TELECOMMUNICATIONS, INC. ("UST") is now,
as at all times herein mentioned, a duly organized, validly existing Florida
corporation. UST is a telecommunications service provider licensed to do
business in 26 states. UST is currently providing service to customers in 19
states.

         3.  STEPHEN HENDERSON ("Henderson") is a resident of Hillsborough
County, Florida.

         4.  RUBEN P. BALLIS ("Ballis") is a resident of Illinois, and is
subject to the jurisdiction of this Court pursuant to Florida Statute, Section
48.193, Fla. Stat. Specifically, Ballis is illegally and improperly purporting
to act as a director of a Florida corporation, as set forth herein, and is
purporting to operate, conduct, engage in or carry on a business or business
venture in this State. Further, this action seeks to enjoin the commission of
torts in the State of Florida.

         5.  PAUL GREGORY ("Gregory") is a resident of Colorado, and is subject
to the jurisdiction of this Court pursuant to Section 48.193, Fla. Stat.
Specifically, Gregory is illegally and improperly purporting to act as a
director of a Florida corporation, as set forth herein, and is
<PAGE>   14
purporting to operate, conduct, engage in or carry on a business or business
venture in this State. Further, this action seeks to enjoin the commission of
torts in the State of Florida.

          6.      All conditions precedent to the institution of this action
have occurred or otherwise been performed.

          7.      Between October 11 and December 15, 1999, Henderson, Ballis
and Gregory were directors of UST.

          8.      On December 15, 1999, Henderson, Ballis and Gregory were
removed as directors pursuant to a Written Consent of the Shareholders of
United States Telecommunications, Inc., executed pursuant to Section 607.0704,
Fla. Stat. A true and correct copy of the Written Consent is attached hereto as
Exhibit "A."

          9.      Notwithstanding the fact that they have been removed as
directors of UST, on December 17, 1999, Henderson, Ballis and Gregory have
given written notice of a "Special Meeting of the Board of Directors of United
States Telecommunications, Inc. to be Held on December 23, 1999" in
Hillsborough County, Florida. A copy of this Notice is attached hereto as
Exhibit "B."

         10.      Because they have been removed as directors, Henderson,
Ballis and Gregory have no legal authority to convene any meeting of the board
of directors of UST, and can take no valid legal action on behalf of UST.

         11.      As shown by Exhibit "B," the agenda for the meeting which
Henderson, Ballis and Gregory have purported to call includes removal and
election of officers for UST, consideration and action upon the corporation's
S-1 Registration Statement with the United States Securities and Exchange
Commission, and consideration and action "upon the use of the corporation's
funds."
<PAGE>   15
         12.      In addition to conducting its significant daily business
operations arising out of provision of telecommunications services, UST is
filing an S-1 Registration Statement with the U.S. Securities and Exchange
Commission in connection with a rescission offering being made pursuant to a
consent order entered into with the State of Florida Department of Banking, and
in connection with its efforts to address issues arising out of an action which
has been filed by the SEC styled United States Securities and Exchange
Commission v. Physician's Guardian Unit Investment Trust, et al., Case No.
99-1117-CIV-T-17A, United States District Court, Middle District of Florida,
Tampa Division (the "SEC Action").

         13.      UST will suffer irreparable harm unless Henderson, Ballis and
Gregory are enjoined and restrained from purporting to take any actions on
behalf of UST, which actions could include the following:

                  - Attempting to notify the banks used by UST that management
                    is not authorized to sign checks on its account;

                  - Withdrawal or dissipation of UST funds;

                  - Attempting to remove or terminate employment of UST
                    officers, managing agents and employees;

                  - Interference with the filing and consideration of UST's S-1
                    Registration Statement with the SEC; and

                  - Attempting to bind UST in business transactions or contracts
                    contrary to the best interests of UST, which transactions or
                    contracts would jeopardize UST's S-1 registration, and its
                    ability to avoid liability or exposure in the SEC Action,
                    and to the Florida Department of Banking.

         14.      UST has no adequate remedy at law.

<PAGE>   16
         WHEREFORE, United States Telecommunications, Inc. respectfully requests
this Court enter a temporary and permanent injunction, enjoining Stephen
Henderson, Ruben P. Ballis and Paul Gregory from purporting to take any actions
on behalf of United States Telecommunications, Inc., including specifically,
without limitation, the removal or termination of any officer or employee of
U.S. Telecommunications, Inc., interference with the filing or processing of
UST's S-1 Registration with the Securities and Exchange Commission, interference
with UST's relationship with its banks, any attempt to change authorized
signatories on UST's bank accounts, any appropriation or use of UST funds or
assets, and any acts of a similar nature.

Dated: December 20, 1999

                                    /s/ WILLIAM C. GUERRANT, JR.
                                    ----------------------------
                                    William C. Guerrant, Jr.
                                    Florida Bar No. 516058
                                    Robert A. Shimberg
                                    Florida Bar No. 816043
                                    HILL, WARD & HENDERSON, P.A.
                                    Suite 3700 - Barnett Plaza
                                    101 East Kennedy Boulevard
                                    Post Office Box 2231
                                    Tampa, Florida 33601
                                    Telephone: (813) 221-3900
                                    Facsimile: (813) 221-2900
                                    Attorneys for Plaintiff

<PAGE>   17
                                  VERIFICATION

STATE OF FLORIDA

COUNTY OF HILLSBOROUGH

         BEFORE ME, the undersigned authority, personally appeared RICHARD
POLLARA, President and Director of United States Telecommunications, Inc., who
is personally known to me and upon first being duly sworn and cautioned,
deposes and states that he has read the foregoing and that it is true and
correct to the best of his knowledge.

         SWORN to and subscribed before me by RICHARD POLLARA, who took an
oath, this 20th day of December, 1999.

                                    /s/ RICHARD POLLARA
                                    --------------------------------

                                    /s/ VALARIE A. TAYLOR
                                    --------------------------------
                                    Name: VALARIE A. TAYLOR
                                          --------------------------
                                    Notary Public - State of Florida
                                    Commission No.
                                                  ------------------
                                    My Commission Expires:
                                                          ----------

                                             [NOTARY PUBLIC SEAL]

                                              VALARIE A. TAYLOR
                                          MY COMMISSION # CC 805965
                                          EXPIRES: February 2, 2003
                                    Bonded Thru Notary Public Underwriters
<PAGE>   18

                                                      EXHIBIT C to Exhibit 10.13

                                 PROMISSORY NOTE

$59,002.54
                                  Tampa, Florida              November 22, 1999

         FOR VALUE RECEIVED, the undersigned, United States Telecommunications,
Inc. (referred to as the "Maker"), promises to pay to the order of Richard
Pollara (and together with any other holder hereof hereinafter referred to as
"Holder"), the principal sum of Fifty-Nine Thousand Two Dollars and Fifty-four
Cents ($59,002.54), which principal amount plus accrued interest shall be
payable on demand, in legal tender of the United States of America for debts and
dues, public and private. Interest shall accrue on the unpaid principal balance
at a rate equal to 8.5% per annum. Interest shall be calculated on the basis of
a 360 day year for the actual number of days elapsed. Payments due hereunder
shall be made to Holder at: 3320 South San Miguel Street, Tampa, Florida 33629
or at such other place as Holder may from time to time notify Maker of in
writing.

         Maker hereby reserves the right to prepay the indebtedness evidenced by
this Promissory Note in whole or in part, at any time without penalty, or
premium. Any partial prepayment shall be attributed to the principal amount
hereof.

         Time is of the essence with respect to this Promissory Note.

         This Note evidences the obligation of the Maker and its successors in
interest to Easy Cellular, Inc. and its successors in interest pursuant to that
certain Joint Venture Agreement entered into between Tel Com Plus California,
LLC and Easy Cellular, Inc. dated as of July 24, 1997. United States
Telecommunications, Inc. is the successor in interest to Tel Com Plus
California, LLC and Richard Pollara is the successor in interest to Easy
Cellular, Inc.

         This Promissory Note shall be governed by and construed in accordance
with the laws of the State of Florida. If this Promissory Note is collected by
or through an attorney-at-law, all costs of collection including reasonable
attorneys' fees and expenses shall be payable by the undersigned.

         IN WITNESS WHEREOF, Maker has executed this Promissory Note the day and
year first above written.

                                    MAKER:

                                    UNITED STATES TELECOMMUNICATIONS, INC.

                                    By: /s/ Terrence G. Battle
                                       ----------------------------
                                            Terrence G. Battle
                                            Vice President

                                    By: /s/ Bill D. Van Aken
                                       ----------------------------
                                            Bill D. Van Aken
                                            Vice President

<PAGE>   19

                                                      EXHIBIT C to Exhibit 10.13

                                 PROMISSORY NOTE

$400,000
                                 Tampa, Florida                November 22, 1999

         FOR VALUE RECEIVED, the undersigned, United States Telecommunications,
Inc. (referred to as the "Maker"), promises to pay to the order of Richard
Pollara (and together with any other holder hereof hereinafter referred to as
"Holder"), the principal sum of Four Hundred Thousand Dollars ($400,000), which
principal amount plus accrued interest shall be payable on demand, in legal
tender of the United States of America for debts and dues, public and private.
Interest shall accrue on the unpaid principal balance at a rate equal to 8.5%
per annum. Interest shall be calculated on the basis of a 360 day year for the
actual number of days elapsed. Payments due hereunder shall be made to Holder
at: 3320 South San Miguel Street, Tampa, Florida 33629 or at such other place as
Holder may from time to time notify Maker of in writing.

         Maker hereby reserves the right to prepay the indebtedness evidenced by
this Promissory Note in whole or in part, at any time without penalty, or
premium. Any partial prepayment shall be attributed to the principal amount
hereof.

         Time is of the essence with respect to this Promissory Note.

         This Note evidences the obligation of the Maker and its successors in
interest to Easy Cellular, Inc. and its successors in interest pursuant to that
certain Joint Venture Agreement entered into between Tel Com Plus Miami, LLC and
Easy Cellular, Inc. dated as of February 28, 1997. United States
Telecommunications, Inc. is the successor in interest to Tel Com Plus Miami, LLC
and Richard Pollara is the successor in interest to Easy Cellular, Inc.

         This Promissory Note shall be governed by and construed in accordance
with the laws of the State of Florida. If this Promissory Note is collected by
or through an attorney-at-law, all costs of collection including reasonable
attorneys' fees and expenses shall be payable by the undersigned.

         IN WITNESS WHEREOF, Maker has executed this Promissory Note the day and
year first above written.

                                    MAKER:

                                    UNITED STATES TELECOMMUNICATIONS, INC.

                                    By: /s/ Terrence G. Battle
                                       ------------------------------
                                            Terrence G. Battle
                                            Vice President

                                    By: /s/ Bill D. Van Aken
                                       ------------------------------
                                            Bill D. Van Aken
                                            Vice President

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