Document:

EXHIBIT 10.13
                                 LOAN AGREEMENT

ss.1.  Parties

     1.1. This Agreement is made and entered into the 5th day of April 2000 (the
"Effective  Date"), by and between Cuidao Holding Corp., and Infinity  Financial
Group, Inc.

ss.2.  Definition and Accounting Terms

     2.1. Definitions. As used in this Agreement:

          (a)  "Affiliate"  means any Person  (i) that  directly  or  indirectly
     controls, or is controlled by, or is under common control with the Borrower
     or a Subsidiary;  or (ii) that directly or indirectly  beneficially owns or
     holds  five  percent  (5%) or more of any  class  of  voting  stock  of the
     Borrower  or any  Subsidiary;  or (iii)  five  percent  (5%) or more of the
     voting stock of which is directly or indirectly  beneficially owned or held
     by the Borrower or a Subsidiary.

          (b) "Agreement" means this Loan Agreement, as amended, supplemented or
     modified from time to time.

          (c) "Borrower" means Cuidao Holding Corp., a corporation  incorporated
     under the laws of the U.S. state of Florida.

          (d)  "Business  Day"  means any day other than a  Saturday,  Sunday or
     other day on which  commercial banks in New York are authorized or required
     to close under the laws of the State of New York.

          (e)  "Capital  Lease"  means  all  leases  that have been or should be
     capitalized on the books of the lessee in accordance with GAAP.

          (f)  "Closing  Date"  means  April 5, 2000,  or such other date as the
     Lender,  the Borrower and the Parent may agree in writing to be the Closing
     Date.

          (g) Code" means the US Internal  Revenue Code of 1986, as amended from
     time to time, and the regulations and published interpretations thereof.

          (h)  "Collateral"  means  all  property  that is  subject  to the Lien
     granted by the Security Agreement;

          (i)  "Commitment"  means the Lender's  obligation to make Loans to the
     Borrower pursuant to Section 2.01 in the amounts referred to therein.

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          (j) "Common  Stock" means the  Borrower's  common  stock,  US$.001 par
     value.

          (k)  "Commonly  Controlled  Entity"  means an  entity,  whether or not
     incorporated,  that is under common  control with the Borrower,  within the
     meaning of Section 414(b) or 414(c) of the Code.

          (l)  "Control"  (whether  or not  capitalized)  means the  possession,
     directly or  indirectly,  of the power to direct or cause the  direction of
     the management and policies of a Person,  whether  through the ownership of
     voting securities, by contract, or otherwise.

          (m)  "Conversion  Shares"  means the shares of Common Stock into which
     the Notes are convertible.

          (n) "Debt" means (i)  indebtedness  or liability  for borrowed  money;
     (ii)  obligations  evidenced by bonds,  debentures,  notes or other similar
     instruments;  (iii) obligations for the deferred purchase price of property
     or services (including trade  obligations);  (iv) obligations under Capital
     Leases;  (v) obligations  under letters of credit;  (vi) obligations  under
     acceptance facilities;  (vii) all guaranties,  endorsements (other than for
     collection  or  deposit  in the  ordinary  course of  business),  and other
     contingent obligations to purchase, to provide funds for payment, to supply
     funds to invest in any Person or entity,  or otherwise to assure a creditor
     against loss; and (viii) all obligations  secured by any Liens,  whether or
     not the obligations have been assumed.

          (o)  "Default"  means any of the events  specified in  paragraph  9.1,
     whether or not any requirement for the giving of notice, the lapse of time,
     or both, or any other condition has been satisfied.

          (p) "Effective Date" means the date set forth in paragraph 1.1 of this
     Agreement.

          (q) "Escrow  Agreement"  shall have the meaning  ascribed in paragraph
     6.2(d) of this Agreement.

          (r) "ERISA" means the Employee Retirement Income Security Act of 1974,
     as  amended  from  time  to  time,  and  the   regulations   and  published
     interpretations thereof.

          (s) "Event of Default"  means any of the events  specified  in Section
     9.01,  provided that any requirement for the giving of notice, the lapse of
     time, or both, or any other condition, has been satisfied.

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          (t)  "Exchange  Act" means the United  States of  America.  Securities
     Exchange Act of 1934, as amended.

          (u) "GAAP" means generally accepted accounting principles in the U.S.

          (v) "Lender" means Infinity Financial Group, Inc.

          (w) "Lender's  Warrant"  shall have the meaning  ascribed in paragraph
     6.2(a) of this Agreement.

          (x)  "Lien"  means  any  mortgage,  deed of  trust,  pledge,  security
     interest, hypothecation, assignment, deposit arrangement, encumbrance, lien
     (statutory or other), or preference,  priority, or other security agreement
     or  preferential  arrangement,  charge or encumbrance of any kind or nature
     whatsoever  (including  without  limitation any  conditional  sale or other
     title retention  agreement,  any financing lease having  substantially  the
     same  economic  effect  as any of the  foregoing,  and  the  filing  of any
     financing  statement,  charge  or  similar  notice  under  the  law  of any
     jurisdiction to evidence any of the foregoing.

          (y) "Loan" shall have the meaning  ascribed in  paragraph  3.1 of this
     Agreement.

          (z) "Loan  Documents"  means this Agreement,  the Notes,  the Security
     Agreement, the Lender's Warrant, the Registration Rights Agreement, and the
     Escrow Agreement.

          (aa) Multiemployer  Plan" means a Plan described in Section 4001(a)(3)
     of ERISA.

          (bb) "Notes" shall have the meaning  ascribed in paragraph 3.4 of this
     Agreement.

          (cc) "PBGC"  means the Pension  Benefit  Guaranty  Corporation  or any
     entity succeeding to any or all of its functions under ERISA.

          (dd) "Person" means an individual, partnership,  corporation, business
     trust,  joint  stock  company,  trust,  unincorporated  association,  joint
     venture, governmental authority, or other entity of whatever nature.

          (ee)  "Plan"  means any  pension  plan which is covered by Title IV of
     ERISA and in respect of which the Borrower or a Commonly  Controlled Entity
     is an "employer" as defined in Section 3(5) of ERISA.

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          (ff)  "Prohibited  Transaction"  means  any  transaction  set forth in
     Section 406 of ERISA or Section 4975 of the Code.

          (gg)  "Registration  Rights Agreement" shall have the meaning ascribed
     in paragraph 6.2(b) of this Agreement.

          (hh)  "Reportable  Event" means any of the events set forth in Section
     4043 of ERISA.

          (ii) "SEC" means the Securities and Exchange  Commission of the United
     States of America.

          (jj)  "Securities  Act" means the United States of America  Securities
     Act of 1933, as amended.

          (kk) "Security  Agreement" means a Security Agreement in substantially
     the form of Exhibit B to be  delivered  by the  Borrowerunder  the terms of
     this Agreement.

          (ll) "Subsidiary"  means a corporation of which shares of stock having
     ordinary voting power (other than stock having such power only by reason of
     the  happening  of a  contingency)  to  elect a  majority  of the  board of
     directors or other managers of that  corporation  are at the time owned, or
     the  management  of which is otherwise  controlled,  directly or indirectly
     through one or more intermediaries, or both, by the Borrower.

          (mm) "Termination Date" means April 4, 2004.

          (nn) "U.S." means the United States of America.

          (oo) "Warrant  Shares" means the shares of Common Stock  issuable upon
     exercise of the Warrants.

          (pp) "Warrants" means the Lender's Warrants.

     2.2. Singular and Plural Terms. As used in this Agreement, terms defined in
the singular have the same meaning when used in the plural, and terms defined in
the plural have the same meaning when used in the singular.

     2.3.  Accounting  Terms. All accounting  terms not specifically  defined in
this  Agreement  shall be construed in accordance  with GAAP. All financial data
submitted pursuant to this Agreement shall be prepared in accordance with GAAP.

     2.4. Currency.  All currency described or otherwise referred to in the Loan
Documents is the currency of the United States of America.

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ss.3.  Amount and Terms of the Loans

     3.1. The Loans.  The Lender agrees on the terms and conditions set forth in
this Agreement to make loans (each a "Loan" and collectively the "Loans") to the
Borrower from time to time during the period from the date of this  Agreement up
to but not including the Termination  Date, up to a maximum  principal amount of
On million  Eight Hundred  Twenty Five  Thousand  Dollars in the currency of the
United  States of America  (US$  1,825,000).  The  initial  Loan shall be in the
principal amount of $11,000.  Unless the Lender otherwise agrees,  the aggregate
amount of Loans made in any 90-day period shall not exceed $250,000.

     3.2. Notice and Manner of Borrowing.  The Borrower shall give the Lender at
least  five (5)  Business  Days'  notice  of any  Loans  under  this  Agreement,
specifying the date and amount thereof.  Not later than 2:00 P.M. New York time,
on the date of such Loan and upon  fulfillment of the applicable  conditions set
forth in Section 4, the Lender will make such Loan  available to the Borrower in
immediately  available  funds by wire  transfer to the  Borrower's  account at a
commercial bank. The Borrower shall give the Lender written wiring  instructions
for such transfer,  specifying the name,  address and ABA routing number for the
Bank, and the Borrower's account number to be credited with the Loan proceeds.

     3.3.  Interest.  The  Borrower  shall  pay  interest  to the  Lender on the
outstanding and unpaid principal amount of the Loan at the rate of eight percent
(8%) per year, calculated on the basis of a year of 360 days comprised of twelve
30-day months. Interest shall be payable upon any prepayment of principal and at
maturity, at the Lender's Principal Office.

     3.4.  The  Notes.  The  Borrower's  obligation  to repay each Loan shall be
evidenced by its promissory note (each a "Note" and collectively the "Notes") in
substantially  the form of  Exhibit A attached  to this  Agreement  with  blanks
appropriately  filled in and payable to the order of the Lender. Each Note shall
be  dated  the date on which  the  Lender  advances  the  Loan  proceeds  to the
Borrower,  and each of the Notes  shall be due and payable on the earlier of (i)
the Termination Date or (ii) the second anniversary of the advance.  At any time
prior to their respective  payment in full, all or any part of the principal and
interest  of the Notes  may,  at the option of the  Lender or other  holder,  be
converted into Common Stock, at a price per share equal to $0.75 which price was
determined as a discount off of the last quoted  closing price of the Borrower's
Common Stock on March 8, 2000.

     3.5.  Collateral.  The Notes,  together  with all of the  Borrower's  other
obligations  under this Agreement,  shall be secured by a Security  Agreement in
the form of Exhibit B hereto executed by the Borrower.

     3.6.  Prepayments.  The Borrower may prepay the Notes, in whole or in part,
at any time with the  Lender's  consent.  The  Borrower  may prepay the Notes in
whole,  or in part in increments of $1,000 or less with accrued  interest to the
date of such  prepayment on the amount  prepaid,  without the Lender's  consent,
provided that: (i) the Borrower gives the Lender not less than 10 Business Days'
prior written notice of its intention to do so, which notice shall specify the

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amount being prepaid and the  prepayment  date;  (ii) a  registration  statement
under the Securities Act shall be in effect  registering the issuance and resale
of the Conversion Shares and the Warrant Shares; (iii) the average closing price
of the Common  Stock for the 30 trading  days  preceding  the notice shall be in
excess of $1.00;  and the average daily trading  volume for the Common Stock for
the 30 trading days  preceding  the notice shall be in excess of 200. The Lender
may  convert  all or any part of the Notes  being  prepaid  at any time prior to
receipt of the prepayment.

     3.7.  Method of Payment.  The Borrower  shall make each payment  under this
Agreement  and under the Notes at the Lender's  Principal  Office not later than
2:00 P.M.,  New York time on the date when due in lawful  currency of the United
States of America and in immediately available funds. Whenever any payment to be
made under this  Agreement or under the Notes shall be stated to be due on a day
other than a Business  Day,  such payment  shall be made on the next  succeeding
Business  Day, and such  extension of time shall in such case be included in the
computation of interest due on the Loan.

     3.8.  Use of  Proceeds.  The  Borrower  shall use the  proceeds of the Loan
solely for the Borrower's working capital purposes.

ss.4.  Conditions Precedent.

     4.1.  Condition  Precedent to Initial Loan. The obligation of the Lender to
make the initial Loan to the Borrower is subject to the condition precedent that
the  Lender  shall  have  received  on or before the day of the Loan each of the
following, in form and substance satisfactory to the Lender and its counsel:

          (a) Note.  A Note for the  principal  amount of the initial  Loan duly
     executed by the Borrower;

          (b) Security  Agreement.  A Security  Agreement  duly  executed by the
     Borrower;  together with an  undertaking by the Borrower to (i) file within
     the time proscribed by law for perfecting the Lender's security interest in
     the  Collateral,  and  deliver to the Lender  acknowledgment  copies of the
     Financing  Statements  (UCC-1) duly filed under the Uniform Commercial Code
     of all jurisdictions necessary or, in the opinion of the Lender,  desirable
     to perfect the security  interest  created by the Security  Agreement,  and
     (ii) certified  copies of Request for Copies or  Information  (Form UCC-11)
     identifying  all of the  financing  statements  on file with respect to the
     Borrower  in  all  jurisdictions  referred  to  under  (i),  including  the
     Financing  Statement  filed by the Lender against the Borrower,  indicating
     that no party  claims an  interest in any of the  Collateral  except as set
     forth on Schedule 5.1(o);

          (c) Evidence of all corporate action by the Borrower. Certified (as of
     the Effective  Date) copies of all corporate  action taken by the Borrower,

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     including resolutions of its Board of Directors, authorizing the execution,
     delivery,  and performance of the Loan Documents and each other document to
     be delivered pursuant to this Agreement;

          (d)   Incumbency  and  signature   certificate  of  the  Borrower.   A
     certificate  (dated  as of the  Effective  Date)  of the  Secretary  of the
     Borrower  certifying  the names and true  signatures of the officers of the
     Borrower  authorized to sign the Loan Documents and any other  documents to
     be delivered by the Borrower under this Agreement;

          (e) Lender's Warrant. The Lender's Warrant;

          (f) Registration Rights Agreement. The Registration Rights Agreement;

          (g) Escrow Agreement. The Escrow Agreement; and

          (h)  Opinion of  counsel  for the  Borrower.  A  favorable  opinion of
     counsel for the Borrower,  in  substantially  the form of Exhibit C hereto,
     and as to such other matters as the Lender may reasonably request.

     4.2.  Conditions  Precedent to All Loans.  The  obligation of the Lender to
make each Loan  (including  the  initial  Loan)  shall be subject to the further
conditions precedent that on the date of such Loan:

          (a) The following  statements  shall be true and the Lender shall have
     received a certificate signed by a duly authorized officer of the Borrower,
     dated  the date of such  Loan,  stating  that (i) the  representations  and
     warranties contained in Section 5.1 of this Agreement,  and in Section 4.01
     of the Security Agreement are correct on and as of the date of such Loan as
     though made on and as of such date; and (ii) no Default or Event of Default
     has occurred and is continuing, or would result from such Loan;

          (b) The Lender shall have received a detailed  statement of the use of
     proceeds from the Loan, reasonably satisfactory to the Lender, certified by
     the Borrower's chief financial officer and chief executive officer;

          (c) The Lender shall have received such other approvals,  opinions, or
     documents as the Lender may reasonably request;

          (d) The closing bid price of the Common  Stock for the 20 trading days
     preceding the date of the Loan shall have been at or above $1.00 and

          (e) The average daily trading volume for the 30 trading days preceding
     the date of the Loan shall have been at or in excess of 200.

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ss.5.  Representations and Warranties.

     5.1. Borrower's Representations and Warranties. The Borrower represents and
warrants to the Lenders that:

          (a) Incorporation,  Good Standing, and Due Qualification. The Borrower
     is a corporation duly  incorporated,  validly existing and in good standing
     under the laws of the jurisdiction of its incorporation;  has the corporate
     power and authority to own its assets and to transact the business in which
     it is now engaged and proposes to be engaged in; and is duly qualified as a
     foreign  corporation  and in good  standing  under  the laws of each  other
     jurisdiction in which such  qualification is required.  The Borrower has no
     Subsidiaries  other than Cuidao (USA) Imports Co., Inc. and R&R  (Bordeaux)
     Imports, Inc.

          (b)  Corporate  Power  and  Authority.  The  execution,  delivery  and
     performance by the Borrower of the Loan Documents have been duly authorized
     by all necessary  corporate  action and do not and will not (i) require any
     consent  or  approval  of  the  shareholders  of  such  corporation;   (ii)
     contravene  such  corporation's   charter  or  bylaws;  (iii)  violate  any
     provision of any law, rule, regulation, order, writ, judgment,  injunction,
     decree,  determination or award presently in effect having applicability to
     such corporation;  (iv) result in a breach of or constitute a default under
     any indenture or loan or credit agreement or any other agreement,  lease or
     instrument  to  which  such  corporation  is a party  or by which it or its
     properties may be bound or affected;  (v) result in or require the creation
     or imposition of any Lien upon or with respect to any to the properties now
     owned or  hereafter  acquired  by such  corporation;  and (vi)  cause  such
     corporation to be in default under any such law, rule,  regulation,  order,
     writ,  judgment,  injunction,  decree,  determination or award, or any such
     indenture, agreement, lease or instrument.

          (c) Legally Enforceable Agreement.  This Agreement is, and each of the
     other Loan Documents  when  delivered  under this Agreement will be, legal,
     valid and binding  obligations  of the  Borrower,  enforceable  against the
     Borrower in accordance with their  respective  terms,  except to the extent
     that such enforcement may be limited by applicable  bankruptcy,  insolvency
     and other similar laws affecting creditors' rights generally.

          (d) Financial Statements. Borrower's Financial Statements. The balance
     sheet of the  Borrower  as at  December  31,  1999 and 1998,  and,  and the
     related  statements  of  income,  retained  earnings  and cash flows of the
     Borrower for the fiscal years then ended, and the  accompanying  footnotes,
     together  with the  opinion  thereon of Baum & Company,  P.A.,  independent
     certified   public   accountants,   and  the   interim   consolidated   and

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     consolidating  balance sheet of the Borrower as of March 31, 2000,  and the
     related  statements  of  income,  retained  earnings  and cash flows of the
     Borrower  for the three (3) month  period then ended,  copies of which have
     been  included by the  Borrower in its reports  filed with the SEC on Forms
     10-K and 10-Q,  respectively,  are complete and correct and fairly  present
     the financial condition of the Borrower as at such dates and the results of
     the operations of the Borrower for the periods covered by such  statements,
     all in  accordance  with GAAP  consistently  applied  (subject  to year-end
     adjustments  in the case of the interim  financial  statements),  and since
     March 31, 2000,  there has been no material adverse change in the condition
     (financial or  otherwise),  business,  or operations of the Borrower or any
     Subsidiary.  There are no  liabilities  of the Borrower or any  Subsidiary,
     fixed or  contingent,  which  are  material  but are not  reflected  in the
     financial  statements  or in the  notes  thereto,  other  than  liabilities
     arising in the ordinary course of business since March 31, 2000.

          (e) Full  Disclosure.  No information,  exhibit or report furnished by
     the Borrower,  to the Lender in  connection  with the  negotiation  of this
     Agreement contained any material misstatement of fact or omitted to state a
     material fact or any fact necessary to make the statement contained therein
     not materially misleading.

          (f) Labor  Disputes  and Acts of God.  Neither  the  business  nor the
     properties  of the  Borrower or any  Subsidiary  are  affected by any fire,
     explosion,  accident,  strike,  lockout or other  labor  dispute,  drought,
     storm,  hail,  earthquake,  embargo,  act of God or of the public enemy, or
     other  casualty  (whether  or not  covered  by  insurance)  materially  and
     adversely  affecting  such  business  properties  or the  operation  of the
     Borrower or such Subsidiary.

          (g) Other  Agreements.  Except as set  forth on  Schedule  5.1 (g) the
     Borrower is not a party to any indenture,  loan, or credit agreement, or to
     any lease or other  agreement or  instrument,  or subject to any charter or
     corporate  restriction  which could have a material  adverse  effect on the
     business,  properties,  assets,  operations,  or  conditions,  financial or
     otherwise,  of the  Borrower  to carry out its  obligations  under the Loan
     Documents.   The  Borrower  is  not  in  default  in  any  respect  in  the
     performance,   observance,  or  fulfillment  of  any  of  the  obligations,
     covenants,  or conditions contained in any agreement or instrument material
     to its business to which it is a party.

          (h) Litigation. There is no pending or threatened action or proceeding
     against or affecting the Borrower before any court, governmental agency, or
     arbitrator  which  may,  in any one  case or in the  aggregate,  materially
     adversely  affect  the  financial  condition,  operations,  properties,  or
     business  of the  Borrower  or the  ability of the  Borrower to perform its
     obligations  under the Loan  Documents  which has not been disclosed in the
     Borrower's filings with the SEC.

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          (i) No Defaults on Outstanding  Judgments or Orders.  The Borrower has
     satisfied all judgments (if any), and is not in default with respect to any
     judgment,  writ,  injunction,  decree,  rule,  or  regulation of any court,
     arbitrator,  or federal, state, municipal, or other governmental authority,
     commission,  board, bureau, agency or instrumentality,  domestic or foreign
     except as disclosed in the Borrower's filings with the SEC.

          (j) Ownership and Liens. The Borrower has title to, or valid leasehold
     interests  in,  all  of its  properties  and  assets,  real  and  personal,
     including the properties and assets and leasehold interest reflected in the
     financial  statements  referred to in  paragraph  5.1(d) of this  Agreement
     (other than any properties or assets  disposed of in the ordinary course of
     business),  and none of the properties and assets owned by the Borrower and
     none of its leasehold  interests is subject to any Lien, except such as may
     be  permitted  pursuant to  paragraph  7.1(a) of this  Agreement  except as
     disclosed in the Borrower's filings with the SEC.

          (k) ERISA. The Borrower is in compliance in all material respects with
     all  applicable  provisions  of  ERISA.  Neither a  Reportable  Event nor a
     Prohibited  Transaction  has occurred and is continuing with respect to any
     Plan;  no notice of intent to terminate a Plan has been filed,  nor has any
     Plan been  terminated;  no  circumstances  exist which  constitute  grounds
     entitling  the PBGC to institute  proceedings  to  terminate,  or appoint a
     trustee  to  administer,  a Plan,  nor has the  PBGC  instituted  any  such
     proceedings;  neither the Borrower nor any Commonly  Controlled  Entity has
     completely or partially  withdrawn from a Multiemployer  Plan; the Borrower
     and  each  Commonly  Controlled  Entity  have  met  their  minimum  funding
     requirements  under  ERISA  with  respect  to all of their  Plans,  and the
     present  value of all vested  benefits  under each Plan does not exceed the
     fair  market  value of all  Plan  assets  allocable  to such  benefits,  as
     determined on the most recent  valuation date of the Plan and in accordance
     with the  provisions of ERISA;  and neither the Borrower nor the Parent nor
     any Commonly Controlled Entity has incurred any liability to the PBGC under
     ERISA.

          (l)  Operation  of  Business.  The Borrower  possesses  all  licenses,
     permits, franchises,  patents, copyrights,  trademarks, and trade names, or
     rights thereto, to conduct their respective businesses substantially as now
     conducted and as presently  proposed to be  conducted,  and the Borrower is
     not in  violation  of any valid rights of others with respect to any of the
     foregoing except as disclosed in the Borrower's filings with the SEC.

          (m) Taxes. The Borrower has filed all tax returns (federal, state, and
     local)  required  to be filed and have  paid all  taxes,  assessments,  and
     governmental  charges and levies thereon to be due,  including any interest
     and penalties.

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          (n) Debt. Schedule 5.1(o) is a complete and correct list of all credit
     agreements,  indentures,  purchase agreements,  guaranties, Capital Leases,
     and other  investments,  agreements,  and arrangements  presently in effect
     providing for or relating to extensions of credit (including agreements and
     arrangements  for the  issuance  of  letters  of credit  or for  acceptance
     financing)  in respect of which the  Borrower is in any manner  directly or
     contingently  obligated;  and the maximum  principal or face amounts of the
     credit in question, which are outstanding and which can be outstanding, are
     correctly  stated,  and all Liens of any nature given or agreed to be given
     as security  therefor  are  correctly  described  or  indicated in Schedule
     5.1(o).

          (o)  Environment.  The  Borrower  has  duly  complied  with,  and  its
     businesses,  operations,  assets, equipment, property, leaseholds, or other
     facilities are in compliance  with,  the provisions of all federal,  state,
     and local environmental, health, and safety laws, codes and ordinances, and
     all rules and  regulations  promulgated  thereunder.  The Borrower has been
     issued and will maintain all required  federal,  state,  and local permits,
     licenses,  certificates,  and approvals relating to (1) air emissions;  (2)
     discharges to surface water or groundwater;  (3) noise emissions; (4) solid
     or liquid waste disposal; (5) the use, generation, storage, transportation,
     or disposal of toxic or hazardous substances or wastes (intended hereby and
     hereafter  to include  any and all such  materials  listed in any  federal,
     state,  or local  law,  code or  ordinance  and all rules  and  regulations
     promulgated thereunder as hazardous or potentially hazardous); or (6) other
     environmental,  health, or safety matters. A true,  accurate,  and complete
     list of all such permits, licenses, certificates, and approvals is attached
     hereto as Schedule  5.1(p).  The Borrower  has not received  notice of, nor
     knows of, or suspects  facts which might  constitute  any violations of any
     federal,  state, or local  environmental,  health, or safety laws, codes or
     ordinances,  and any  rules  or  regulations  promulgated  thereunder  with
     respect  to  its  businesses,   operations,  assets,  equipment,  property,
     leaseholds,  or  other  facilities.  Except  in  accordance  with  a  valid
     governmental permit, license,  certificate,  or approval listed in Schedule
     5.1(p),  there has been no emission,  spill,  release, or discharge into or
     upon (1) the air;  (2) soils;  or any  improvements  located  thereon;  (3)
     surface  water or  groundwater;  or (4) the sewer,  septic  system or waste
     treatment,  storage or disposal system  servicing the premises of any toxic
     or hazardous substances or wastes at or from the premises;  and accordingly
     the  premises of the  Borrower  and its  Subsidiaries  are free of all such
     toxic or  hazardous  substances  or  wastes.  There has been no  complaint,
     order, directive,  claim, citation, or notice by any governmental authority
     or any person or entity  with  respect to (1) air  emissions;  (2)  spills,
     releases or discharges to soils or improvements  located  thereon,  surface
     water, groundwater or the sewer, septic system or waste treatment,  storage
     or disposal systems servicing the premises; (3) noise emissions;  (4) solid
     or liquid waste disposal; (5) the use, generation, storage, transportation,
     or  disposal  of toxic or  hazardous  substances  or  waste;  or (6)  other
     environmental,  health,  or safety  matters  affecting  the Borrower or its

                                       11

<PAGE>

     business,  operations,  assets, equipment,  property,  leaseholds, or other
     facilities.   Neither  the   Borrower   nor  its   Subsidiaries   have  any
     indebtedness,  obligation, or liability, absolute or contingent, matured or
     not matured, with respect to the storage,  treatment,  cleanup, or disposal
     of  any  solid  wastes,  hazardous  wastes  or  other  toxic  or  hazardous
     substances (including without limitation any such indebtedness, obligation,
     or  liability  with  respect to any  current  regulation,  law,  or statute
     regarding such storage, treatment, cleanup, or disposal) which is not shown
     on  Schedule  5.1(p).  Set forth in  Schedule  5.1(p) is a list of all real
     property owned or leased by the Borrower and its Subsidiaries,  and a brief
     description of the business conducted at such location.

          (p)  Registration  and  Listing of Common  Stock.  The  Borrower  is a
     reporting  company,  and has continuously been a reporting company for more
     than the 18 calendar  months  preceding  the Closing  Date,  and the Common
     Stock is  registered  under the Exchange Act and quoted on the OTC Bulletin
     Board.  The Borrower has filed all reports and other documents  required of
     it by the Exchange Act, the rules and regulations of the SEC, and the rules
     and regulations of the OTC Bulletin Board.

          (q) U.S. Offering.  The Borrower has offered the Notes, the Conversion
     Shares,  the  Warrants  or  the  Warrant  Shares  to a  U.S.  Person  under
     Regulation D, Rule 506.

          (r) U.S.  Transaction.  The  negotiations  for and the issuance of the
     Notes and the  Warrants to the Lender has been made in an U.S.  transaction
     under Regulation D, Rule 506.

          (s) No Directed  Selling  Efforts.  The Company has not engaged in any
     directed selling efforts with respect to the Notes and the Warrants.

          (t) Exemption of Notes and Warrants from Registration.  The Borrower's
     issuance  of the Notes and the  Warrants  is exempt  from the  registration
     requirements  of Section 5 of the Securities Act pursuant to the provisions
     of Rule 506 of Regulation D.

     5.2.  Lender's  Representations  and Warranties.  The Lender represents and
warrants to the Borrower that:

          (a) Accredited Investor.  The Lender is an accredited investor as that
     term is defined in Rule 501(a)(3) of Regulation D of the SEC.

          (b) U. S. Persons. a U.S. Person.

          (c) The Lender has complied with all of the conditions  required of it
     in connection with the transactions contemplated by this Agreement.

                                       12

<PAGE>

ss.6.  Affirmative Covenants.

     6.1.  Financial and  Operational.  So long as any of the Notes shall remain
unpaid, the Borrower will:

          (a)  Maintenance  of  Existence.  Preserve and maintain its  corporate
     existence and good standing in the jurisdiction of its  incorporation,  and
     qualify and remain qualified as a foreign  corporation in each jurisdiction
     in which such qualification is required.

          (b)  Maintenance  of  Records.  Keep  adequate  records  and  books of
     account,  in which  complete  entries will be made in accordance  with GAAP
     consistently applied, reflecting all material financial transactions of the
     Borrower.

          (c) Maintenance of Properties.  Maintain, keep and preserve all of its
     properties  (tangible  and  intangible)  necessary  or useful in the proper
     conduct of its business in good working order and condition,  ordinary wear
     and tear excepted.

          (d)  Conduct  of  Business.  Continue  to engage in an  efficient  and
     economical manner in a business of the same general type as conducted by it
     on the date of this Agreement.

          (e)  Maintenance of Insurance.  Maintain  insurance  with  financially
     sound and reputable insurance companies or associations in such amounts and
     covering such risks as are usually carried by companies engaged in the same
     or a similar business and similarly  situated,  which insurance may provide
     for reasonable deductibility from its coverage.

          (f)  Compliance  With Laws.  Comply with all applicable  laws,  codes,
     regulations,  rules,  ordinances and orders,  including without  limitation
     paying  before  the same  become  delinquent  all  taxes,  assessments  and
     governmental charges imposed upon it or upon its property.

          (g) Right of Inspection. At any reasonable time and from time to time,
     permit the Lender or any of its Lenders or  representatives  to examine and
     make copies of and abstracts  from the records and books of account of, and
     visit the properties of, the Borrower, and to discuss its affairs, finances
     and  accounts  with  any  of  its  officers,   directors  and   independent
     accountants.

          (h) Reporting Requirements. Furnish to the Lender:

               (i) Quarterly  Financial  Statements.  The Borrower's  reports on
          Form 10-Q or 10-QSB contemporaneously with their filing with the SEC.

                                       13

<PAGE>

               (ii) Annual Financial  Statements.  The Borrower's annual reports
          on Form 10-K or 10-KSB  contemporaneously  with their  filing with the
          SEC.

               (iii) Management Letters.  Promptly upon receipt thereof,  copies
          of  any  reports  submitted  to the  Borrower  or  any  Subsidiary  by
          independent  accountants in connection  with their  examination of the
          financial statements of the Borrower.

               (iv)  Certificate  of No Default.  Within  twenty-five  (25) days
          after the end of each  month a  certificate  of the  Borrower's  chief
          financial officer  certifying that to the best of his or her knowledge
          no Default or Event of Default has occurred and is continuing or, if a
          Default  or  Event  of  Default  has  occurred  and is  continuing,  a
          statement as to the nature  thereof and the action that is proposed to
          be taken with respect thereto.

               (v)  Notice  of  Litigation.   Promptly  after  the  commencement
          thereof, notice of all actions, suits and proceedings before any court
          or governmental  department,  commission,  board,  bureau,  agency, or
          instrumentality  (domestic or foreign) or  arbitrator,  affecting  the
          Borrower, which, if determined adversely to the Borrower, could have a
          material  adverse  effect on the  financial  condition,  properties or
          operations of the Borrower.

               (vi)  Notice  of  Defaults  and  Events  of  Default.  As soon as
          possible and in any event within ten (10) days after the occurrence of
          each material  Default or material Event of Default,  a written notice
          setting  forth the details of such Default or Event of Default and the
          action  that is  proposed  to be taken by the  Borrower  with  respect
          thereto.

               (vii) ERISA reports. As soon as possible, and in any event within
          thirty (30) days after the  Borrower  knows or has reason to know that
          any circumstances  exist that constitute grounds entitling the PBGC to
          institute  proceedings  to  terminate  a Plan  subject  to ERISA  with
          respect  to  the  Borrower  or any  Commonly  Controlled  Entity,  and
          promptly but in any event  within two (2) Business  Days of receipt by
          the Borrower or any Commonly Controlled Entity of notice that the PBGC
          intends to  terminate  a Plan or appoint a trustee to  administer  the
          same,  and promptly but in any event within five (5) Business  Days of
          the  receipt  of  notice   concerning  the  imposition  of  withdrawal
          liability  with  respect to the  Borrower or any  Commonly  Controlled

                                       14

<PAGE>

          Entity,  the Borrower will deliver to the Lender a certificate  of the
          chief  financial  officer of the Borrower  setting  forth all relevant
          details  and the  action  which  the  Borrower  proposes  to take with
          respect thereto.

               (vii) Reports to Other  Creditors.  Promptly after the furnishing
          thereof,  copies of any statement or report  furnished by the Borrower
          or any  Subsidiary  to any other  party  pursuant  to the terms of any
          indenture,  loan,  credit  or  similar  agreement  and  not  otherwise
          required to be furnished to the Lender pursuant to any other clause of
          this Agreement.

               (viii) Other Regulatory  Reports and Filings.  Promptly after the
          sending or filing thereof,  copies of all proxy statements,  financial
          statements  and reports that the Borrower or any  Subsidiary  sends to
          its  shareholders,  and copies of all  regular,  periodic  and special
          reports, and all registration  statements that the Borrower files with
          the  securities  regulatory  authorities  of any country,  province or
          state, or with any securities exchange.

               (ix) General Information.  Such other information  respecting the
          condition or  operations,  financial or otherwise,  of the Borrower as
          the Lender may from time to time reasonably request.

          (i) Environment,  Health and Safety.  Be and remain in compliance with
     the provisions of all federal, state, and local environmental,  health, and
     safety laws,  codes and ordinances,  and all rules and  regulations  issued
     thereunder;  notify the  Lender  immediately  of any notice of a  hazardous
     discharge or environmental  complaint received from any governmental agency
     or any  other  party;  notify  the  Lender  immediately  of  any  hazardous
     discharge  from or affecting its premises;  immediately  contain and remove
     the same, in compliance with all applicable laws;  promptly pay any fine or
     penalty assessed in connection therewith;  permit the Lender to inspect the
     premises,   to  conduct   tests   thereon,   and  to  inspect   all  books,
     correspondence,  and  records  pertaining  thereto;  and  at  the  Lender's
     request,  and at the  Borrower's  expense,  provide a report of a qualified
     environmental  engineer,  satisfactory  in scope,  form, and content to the
     Lender,  and such other and further assurances  reasonably  satisfactory to
     the Lender that the condition has been corrected.

     6.2. The Borrower hereby further covenants and agrees with the Lender that:

          (a) Warrants.  In the event the Borrower  takes  advances equal to the
     entire line of credit of  $1,825,000,  Lender shall be entitled to Warrants
     in the form annexed as Exhibit D hereto to purchase up to 500,000 shares of
     the Common  Stock of Borrower at a price per share of $1.50,  the number of

                                       15

<PAGE>

     which shall be granted pro rata to the amount of the  advance,  and each of
     which   shall   vesting   as   provided   therein   ("Lender's   Warrant").
     Contemporaneously with the execution of this Agreement,  and as part of the
     advance of $11,000,  the  Borrower  shall issue and deliver to the Lender a
     warrant in the form of Exhibit D to  purchase  up to 3000  shares of Common
     Stock.  Each of the Lender's  Warrants  shall be  exercisable  from time to
     time,  pro  rata,  as  follows:  (i)  the  Warrants  shall  be  immediately
     exercisable for 20% of the number of Warrant Shares; and, (ii) the Warrants
     shall be exercisable  for an  additional1%  of the number of Warrant Shares
     for each $9,125 of principal of Loans made under this Agreement.

          (b)  Registration  of Common  Stock  Underlying  Notes  and  Warrants.
     Contemporaneously with the execution of this Agreement,  the Borrower shall
     execute and deliver to the Lender a  registration  rights  agreement in the
     form  of  Exhibit  E  hereto.  (the  "Registration  Rights  Agreement").The
     Borrower shall  register the issuance and sale of the Conversion  Stock and
     the Warrant Stock in  accordance  with the  provisions of the  Registration
     Rights Agreement.

          (c) Escrow.  Contemporaneously  with the execution of this  Agreement,
     the Borrower shall  executed an escrow  agreement with the Lender as escrow
     holder (the "Escrow  Agreement") in the form of Exhibit F to this Agreement
     and shall execute and deliver to the Escrow Holder a certificate for 20,027
     shares of Common  Stock as a portion  of the  number of  Conversion  Shares
     (based upon a conversion price of $0.75 per share) underlying the principal
     amount of the Note  evidencing  the initial Loan plus interest for the term
     and  the  number  of  Warrant  Shares  for  which  the  Warrants  shall  be
     exercisable  upon funding the initial Loan.  Prior to each additional Loan,
     the Borrower  shall  execute and deliver to the Escrow Holder a certificate
     for 100% of the  number  of  additional  Conversion  Shares  (based  upon a
     conversion price of $0.75 per share) underlying the principal amount of the
     Note evidencing that Loan plus interest for the term and 100% the number of
     additional  Warrant Shares for which the Warrants shall be exercisable upon
     funding that Loan,  until all of the  Conversion  Shares and Warrant Shares
     have been delivered to the Escrow Holder.  All  certificates for Conversion
     Shares  and  Warrant  Shares  delivered  to  the  Escrow  Holder  shall  be
     registered in the name of Infinity Financial Group, Inc. Until such time as
     the registration  statement  covering the Conversion Shares and the Warrant
     shares is effective,  the certificates  shall bear a legend indicating that
     they have been issued in a transaction that is exempt from the registration
     requirements  of the  Securities  Act,  and may not be  transferred  except
     pursuant to registration under the Securities Act or an exemption from such
     registration.  Except for such  legend,  the Common  Stock  underlying  the
     Lender's  Warrant and the Lender's  Warrant  shall be free and clear of any
     legends,  liens, claims, stop orders or other restrictions.  Not later than
     the third  Business Day following the  effective  date of the  Registration
     Statement,  the  Borrower  shall  cause the  Common  Stock  underlying  the
     Lender's  Warrant to be  registered  in Lender's name free and clear of any
     legends, liens, claims, stop orders or other restrictions.

                                       16

<PAGE>

ss.7.  Negative Covenants.

         7.1. So long as any of the Notes remains unpaid, or the Lender shall be
obligated to make Loans under this Agreement, the Borrower will not:

          (a) Liens.  Create,  incur,  assume, or suffer to exist, or permit any
     Subsidiary to create,  incur,  assume, or suffer to exist, any Lien upon or
     with respect to any of its  properties,  now owned or  hereafter  acquired,
     except:

               (i) Liens in favor of the Lender;

               (ii) Liens for taxes or assessments or other  government  charges
          or levies if not yet due and payable or, if due and  payable,  if they
          are being  contested in good faith by appropriate  proceedings and for
          which appropriate reserves are maintained;

               (iii) Liens  imposed by law, such as  mechanics',  materialmen's,
          landlords',  warehousemen's,  and carriers'  Liens,  and other similar
          Liens,  securing  obligations  incurred  in  the  ordinary  course  of
          business  which  are not past due for more  than  thirty  (30) days or
          which are being contested in good faith by appropriate proceedings and
          for which appropriate reserves have been established;

               (iv) Liens under workers' compensation,  unemployment  insurance,
          Social Security, or similar legislation;

               (v) Liens,  deposits,  or pledges  to secure the  performance  of
          bids,  tenders,  contracts  (other than  contracts  for the payment of
          money),  leases (permitted under the terms of this Agreement),  public
          or   statutory   obligations,   surety,   stay,   appeal,   indemnity,
          performance,  or other similar  bonds,  or other  similar  obligations
          arising in the ordinary course of business;

               (vi) Liens disclosed on Schedule 5.1(o);

               (vii) Judgment and other similar Liens arising in connection with
          court proceedings, provided the execution or other enforcement of such
          Liens is effectively  stayed and the claims secured  thereby are being
          actively contested in good faith and by appropriate proceedings;

                                       17

<PAGE>

               (viii) Easements, rights-of-way,  restrictions, and other similar
          encumbrances which, in the aggregate, do not materially interfere with
          the  occupation,  use, and enjoyment by the Borrower or any Subsidiary
          of the property or assets  encumbered  thereby in the normal course of
          its business or  materially  impair the value of the property  subject
          thereto; and

               (ix) Liens  securing  obligations of a Subsidiary to the Borrower
          or another Subsidiary

          (b) Debt.  Create,  incur,  assume,  or suffer to exist, or permit any
     Subsidiary to create, incur, assume, or suffer to exist, any Debt, except:

               (i) Debt of the Borrower under this Agreement or the Note;

               (ii)  Debt   described  in  Schedule   5.1(o)  but  no  voluntary
          prepayments,  renewals,  extensions,  refinancings, or increases in he
          amounts thereof;

               (iii) Debt of the Borrower  subordinated on terms satisfactory to
          the Lender to the Borrower's  obligation  under this Agreement and the
          Note;

               (iv) Debt of the Borrower to any  Subsidiary or of any Subsidiary
          to the Borrower or another Subsidiary; and

               (v)  Accounts  payable to trade  creditors  for goods or services
          which are not aged more than sixty (60) days from the billing date and
          current  operating  liabilities  (other than for borrowed money) which
          are not more than ten (10) days past due, in each case incurred in the
          ordinary course of business,  as presently conducted,  and paid within
          the specified time,  unless contested in good faith and by appropriate
          proceedings.

          (c) Mergers,  Etc. Wind up, liquidate or dissolve itself,  reorganize,
     merge or  consolidate  with or into,  or convey,  sell,  assign,  transfer,
     lease,  or otherwise  dispose of (whether in one transaction or in a series
     of transactions)  all or substantially all of its assets (whether now owned
     or hereafter  acquired) to any Person,  or acquire all or substantially all
     of the assets or the  business of any Person,  and the  Borrower  shall not
     permit any  Subsidiary to do so, except that (1) any  Subsidiary  may merge
     into or transfer  assets to the Borrower,  and (2) any Subsidiary may merge
     into or consolidate with or transfer assets to any other Subsidiary.

                                       18

<PAGE>

          (d) Leases.  Create,  incur, assume, or suffer to exist, or permit any
     Subsidiary  to create,  incur,  assume,  or suffer to exist,  any  material
     obligation  as  lessee  for the  rental  or hire  of any  real or  personal
     property,  except:  (i) Capital Leases  created  pursuant to existing lease
     financing  agreements disclosed on Schedule 5.1(o); (ii) leases existing on
     the date of this  Agreement  and any  extensions or renewals  thereof;  and
     (iii)  leases  between  the  Borrower  and any  Subsidiary  or between  any
     Subsidiaries.

          (e) Sale and Leaseback.  Sell,  transfer,  or otherwise dispose of, or
     permit any Subsidiary to sell, transfer,  or otherwise dispose of, any real
     or personal  property to any Person and  thereafter  directly or indirectly
     lease back the same or similar property.

          (f)  Dividends.  Declare or pay any  dividends;  or purchase,  redeem,
     retire,  or  otherwise  acquire for value any of its  capital  stock now or
     hereafter   outstanding;   or  make  any  distribution  of  assets  to  its
     stockholders  as such  whether  in  cash,  assets,  or  obligations  of the
     Borrower; or allocate or otherwise set apart any sum for the payment of any
     dividend or distribution on, or for the purchase, redemption, or retirement
     of any  shares of its  capital  stock;  or make any other  distribution  by
     reduction  of capital or  otherwise in respect of any shares of its capital
     stock;  or permit any of its  Subsidiaries to do any of the foregoing or to
     purchase  or  otherwise  acquire  for value any  stock of the  Borrower  or
     another Subsidiary.

          (g) Sale of  Assets.  Sell,  lease,  assign,  transfer,  or  otherwise
     dispose of, or permit any Subsidiary to sell, lease, assign,  transfer,  or
     otherwise  dispose of, any of its now owned or  hereafter  acquired  assets
     (including,  without  limitation,  shares  of  stock  and  indebtedness  of
     Subsidiaries,  receivables, and leasehold interests), except: (1) inventory
     disposed  of in the  ordinary  course  of  business;  (2) the sale or other
     disposition  of  assets no longer  used or  useful  in the  conduct  of its
     business; and (3) that any Subsidiary may sell, lease, assign, or otherwise
     transfer its assets to the Borrower.

          (h) Investments.  (i) Make, or permit any Subsidiary to make, any loan
     or advance to any Person, or (ii) purchase or otherwise acquire,  or permit
     any Subsidiary to purchase or otherwise acquire, any capital stock, assets,
     obligations,  or other securities of, make any capital  contribution to, or
     otherwise  invest in or acquire any interest in any Person,  or participate
     as a partner or joint  venturer with any other Person,  except:  (1) direct
     obligations of the U.S. or any agency  thereof with  maturities of one year
     or less from the date of  acquisition;  (2) commercial  paper of a domestic
     issuer  rated at least "A-1" by Standard & Poor's  Corporation  or "P-1" by
     Moody's  Investors   Service,   Inc.;  (3)  certificates  of  deposit  with
     maturities of one year or less from the date of  acquisition  issued by any
     commercial bank having capital and surplus in excess of One Million Dollars

                                       19

<PAGE>

     (US$1,000,000);  and (4) stock,  obligations,  or  securities  received  in
     settlement of debts (created in the ordinary  course of business)  owing to
     the Borrower or any Subsidiary.

          (i) Guaranties,  Etc. Assume,  guaranty,  endorse,  or otherwise be or
     become  directly  or  contingently  responsible  or  liable,  or permit any
     Subsidiary to assume, guaranty, endorse, or otherwise be or become directly
     or contingently  responsible or liable  (including,  but not limited to, an
     agreement to purchase any obligation, stock, assets, goods, or services, or
     to supply or advance any funds, assets, goods, or services, or an agreement
     to maintain or cause such Person to maintain a minimum  working  capital or
     net worth,  or  otherwise  to assure the  creditors  of any Person  against
     loss), for obligations of any Person,  except  guaranties by endorsement of
     negotiable instruments for deposit or collection or similar transactions in
     the ordinary course of business.

          (j)  Transactions   With  Affiliates.   Enter  into  any  transaction,
     including,  without limitation, the purchase, sale, or exchange of property
     or the  rendering  of any  service,  with  any  Affiliate,  or  permit  any
     Subsidiary to enter into any transaction,  including,  without  limitation,
     the  purchase,  sale,  or  exchange of  property  or the  rendering  of any
     service, with any Affiliate,  except in the ordinary course of and pursuant
     to the  reasonable  requirements  of the  Borrower's  or such  Subsidiary's
     business  and upon  fair and  reasonable  terms  no less  favorable  to the
     Borrower or such Subsidiary than would obtain in a comparable  arm's-length
     transaction with a Person not an Affiliate.

          (k) Capital Expenditures. Purchase or otherwise acquire, or permit any
     Subsidiary to purchase or otherwise  acquire,  any material capital assets,
     without the Lender's prior written consent.

ss.8.  Financial Covenants

     8.1. So long as the Note shall  remain  unpaid or the Lender shall have any
Commitment under this Agreement, the Borrower shall not, nor shall it permit any
Subsidiary to, increase the amount of any  borrowings,  or obtain any additional
advances on any existing lines of credit in excess of their currently contracted
limits,  except for Loans  under this  Agreement,  without  the  Lender's  prior
written consent.

ss.9.  Events of Default

     9.1. Events of Default. If any of the following events shall occur:

          (a) The  Borrower  should fail to pay the  principal of or interest on
     any Note as and when due and payable,  or any amount of any other fee by or
     within 10 days after the date that it is due and payable;

                                       20

<PAGE>

          (b) Any representation or warranty made or deemed made by the Borrower
     in this Agreement or any other Loan Document,  or which is contained in any
     certificate,  document,  opinion, or financial or other statement furnished
     at any time under or in connection  with any Loan Document,  shall prove to
     have been incorrect,  incomplete,  or misleading in any material respect on
     or as of the date made or deemed made;

          (c) The Borrower shall fail to perform or observe any term,  covenant,
     or agreement  contained in this Agreement to be performed or observed by it
     ;

          (d)  The  Borrower  or any  Subsidiary  shall  (i)  fail  to  pay  any
     indebtedness  for  borrowed  money (other than the Note) of the Borrower or
     such  Subsidiary,  as the case may be, or any interest or premium  thereon,
     when due (whether by scheduled maturity, required prepayment, acceleration,
     demand,  or  otherwise),  or (ii) fail to perform or observe  any  material
     term, covenant,  or condition on its part to be performed or observed under
     any  agreement  or  instrument  relating  to any  such  indebtedness,  when
     required to be  performed  or  observed,  if the effect of such  failure to
     perform or  observe is to  accelerate,  or to permit the  acceleration  of,
     after the giving of notice or passage of time,  or both,  the  maturity  of
     such indebtedness,  whether or not such failure to perform or observe shall
     be waived  by the  holder of such  indebtedness;  or any such  indebtedness
     shall be declared to be due and payable,  or required to be prepaid  (other
     than by a regularly  scheduled  required  prepayment),  prior to the stated
     maturity thereof;

          (e) The Borrower or any  Subsidiary  (i) shall  generally  not pay, or
     shall be unable to pay, or shall admit in writing its  inability to pay its
     debts as such debts  become due; or (ii) shall make an  assignment  for the
     benefit  of  creditors,  or  petition  or  apply  to any  tribunal  for the
     appointment  of a custodian,  receiver,  or trustee for it or a substantial
     part of its  assets;  or (iii)  shall  commence  any  proceeding  under any
     bankruptcy, reorganization, arrangement, readjustment of debt, dissolution,
     or liquidation law or statute of any jurisdiction, whether now or hereafter
     in effect; or (iv) shall have had any such petition or application filed or
     any such  proceeding  commenced  against it in which an order for relief is
     entered  or an  adjudication  or  appointment  is made,  and which  remains
     undismissed for a period of thirty (30) days or more; or (v) shall take any
     corporate action indicating its consent to, approval of, or acquiescence in
     any such  petition,  application,  proceeding,  or order for  relief or the
     appointment of a custodian, receiver, or trustee for all or any substantial
     part of its  properties;  or (vi)  shall  suffer  any  such  custodianship,
     receivership,  or  trusteeship  to  continue  undischarged  for a period of
     thirty (30) days or more;

          (f) One or more judgments, decrees, or orders for the payment of money
     shall  be  rendered  against  the  Borrower  or  any  Subsidiary  and  such
     judgments,  decrees, or orders shall continue unsatisfied and in effect for
     a period of thirty (30) consecutive days without being vacated, discharged,
     satisfied, or stayed or bonded pending appeal;

                                       21

<PAGE>

          (g) The Security  Agreement  shall at any time after its execution and
     delivery  and for any  reason  cease (a) to  create a valid  and  perfected
     security  interest in and to the  property  purported to be subject to such
     Security  Agreement,  and in the priority  disclosed on Schedule 5.1(o); or
     (b) to be in full force and effect or shall be declared  null and void,  or
     the validity or enforceability  thereof shall be contested by the Borrower,
     or the Borrower shall deny it has any further liability or obligation under
     the Security  Agreement,  or the Borrower  shall fail to perform any of its
     material obligations under the Security Agreement;

          (h) Any of the  following  events shall occur or exist with respect to
     the Borrower or any Commonly  Controlled Entity under ERISA: any Reportable
     Event shall occur;  complete or partial  withdrawal from any  Multiemployer
     Plan shall take place; any Prohibited  Transaction shall occur; a notice of
     intent to terminate a Plan shall be filed,  or a Plan shall be  terminated;
     or circumstances shall exist which constitute grounds entitling the PBGC to
     institute proceedings to terminate a Plan, or the PBGC shall institute such
     proceedings; and in each case above, such event or condition, together with
     all other events or  conditions,  if any, could subject the Borrower to any
     tax,  penalty,  or other  liability  which in the  aggregate may exceed Ten
     Thousand Dollars ($10,000); or

          (i) If the Lender  receives its first notice of a hazardous  discharge
     or an environmental complaint regarding the Borrower or a Subsidiary from a
     source  other than the  Borrower,  and the Lender does not  receive  notice
     (which may be given in oral form,  provided  same is followed  with all due
     dispatch  by  written  notice  given  by  Certified  Mail,  Return  Receipt
     Requested) of such hazardous discharge or environmental  complaint from the
     Borrower  within  twenty-four  (24)  hours  of the time  the  Lender  first
     receives  said  notice  from a source  other than the  Borrower;  or if any
     federal,  state,  or local agency asserts or creates a Lien upon any or all
     of the assets, equipment,  property, leaseholds, or other facilities of the
     Borrower  or a  Subsidiary  by  reason  of the  occurrence  of a  hazardous
     discharge or an environmental complaint; or if any federal, state, or local
     agency  asserts  a  claim  against  the  Borrower,  a  Subsidiary,  or  its
     respective assets, equipment, property, leaseholds, or other facilities for
     damages  or  cleanup  costs  relating  to  a  hazardous   discharge  or  an
     environmental  complaint;  provided,  however,  that such  claim  shall not
     constitute a default if,  within five (5) Business  Days of the  occurrence
     giving  rise to the  claim,  (i) the  Borrower  can  prove to the  Lender's
     satisfaction  that the Borrower has commenced  and is  diligently  pursuing
     either:  (a) a cure or correction of the event which  constitutes the basis
     for the claim,  and continues  diligently to pursue such cure or correction
     to completion or (b) proceedings for an injunction, a restraining order, or
     other  appropriate  emergent relief preventing such agency or agencies from
     asserting such claim, which relief

                                       22

<PAGE>

     is granted within ten (10) Business Days of the  occurrence  giving rise to
     the claim and the  injunction,  order, or emergent relief is not thereafter
     resolved or reversed on appeal; and (ii) in either of the foregoing events,
     the  Borrower  has  posted a bond,  letter  of  credit,  or other  security
     satisfactory  in form,  substance,  and  amount to both the  Lender and the
     agency or entity asserting the claim to secure the proper and complete cure
     or correction of the event which constitutes the basis for the claim;

     (j) A change of Control of the Borrower or any Subsidiary occurs, including
     without limitation any Person shall acquire securities  representing 25% or
     more of the voting securities of the Borrower;

then,  and in any such event,  the Lender may,  by notice to the  Borrower,  (i)
declare its obligation to make Loans to be terminated,  whereupon the same shall
forthwith  terminate,  and (ii) declare the Notes, all interest thereon, and all
other  amounts  payable  under this  Agreement to be forthwith  due and payable,
whereupon the Notes, all such interest, and all such amounts shall become and be
forthwith due and payable,  without  presentment,  demand,  protest,  or further
notice of any kind, all of which are hereby  expressly  waived by the Parent and
the Borrower.

     9.2.  Lender's  Right  to  Setoff.  Upon  the  occurrence  and  during  the
continuance of any Event of Default, the Lender is hereby authorized at any time
and from time to time,  without  notice to the  Borrower  (any such notice being
expressly  waived by the  Borrower),  to set off and  apply  any and all  funds,
deposits and accounts at any time held and other  indebtedness at any time owing
by the Lender to or for the credit or the  account of the  Borrower  against any
and all of the obligations of the Borrower now or hereafter  existing under this
Agreement or the Note or any other Loan Document, irrespective of whether or not
the Lender shall have made any demand  under this  Agreement or the Note or such
other Loan Document and although such  obligations may be unmatured.  The Lender
agrees  promptly to notify the Borrower  after any such setoff and  application,
provided  that the failure to give such notice  shall not affect the validity of
such setoff and application. The rights of the Lender under this Section 9.2 are
in addition to other rights and remedies (including,  without limitation,  other
rights of setoff) which the Lender may have.

ss.10.  Miscellaneous.

         10.1.  Amendments,  Etc. No amendment,  modification,  termination,  or
waiver of any  provision of any Loan  Document to which the Borrower is a party,
nor consent to any  departure by the Borrower from any Loan Document to which it
is a party,  shall in any event be effective unless the same shall be in writing
and signed by the  Lender,  and then such waiver or consent  shall be  effective
only in the specific instance and for the specific purpose for which given.

     10.2.  Notices,  Etc. All notices given under this  Agreement and under the
other Loan Documents shall be in writing,  addressed to the parties as set forth
below, and shall be effective on the earliest of (i) the date received,  or (ii)
if given  by  facsimile  transmittal  on the date  given if  transmitted  before

                                       23

<PAGE>

5:00 p.m. the recipient's time, otherwise it is effective the next day, or (iii)
on the second business day after delivery to a major  international air delivery
or air courier service (such as Federal Express or Network Couriers):

<TABLE>
<S>                                                    <C>
If to the Lender:                                      If to the Borrower:

Infinity Financial Group, Inc.                         Cuidao Holding Corp.
5320 NW 10th Terrace                                   3201 West Griffin Road, Suite 204
Fort Lauderdale, FL 33309                              Ft.  Lauderdale, FL 33312-6900
Attention: Joseph M.  Vasquez, III, President          Attention: C.  Michael Fisher,  President
Facsimile No.  (954) 938-2119                          Facsimile No. (954) 924-8171

With a copy (that does not                             With a copy (that does not
constitute notice) to:                                 constitute notice) to:

                                                       Mintmire & Associates
                                                       265 Sunrise Avenue, Suite 204
                                                       Palm Beach, FL  33480
                                                       Attn:  Donald F. Mintmire, Esq.
                                                       Facsimile No. (561) 659-5371
</TABLE>

     10.3.  No  Waiver.  No  failure  or  delay  on the  part of the  Lender  in
exercising  any right,  power,  or remedy  hereunder  shall  operate as a waiver
thereof;  nor shall any single or partial exercise of any such right,  power, or
remedy  preclude  any other or further  exercise  thereof or the exercise of any
other right, power, or remedy hereunder. The rights and remedies provided herein
are cumulative,  and are not exclusive of any other rights, powers,  privileges,
or remedies, now or hereafter existing, at law or in equity or otherwise.

     10.4.  Successors  and Assigns.  This  Agreement  shall be binding upon and
inure to the  benefit  of the  Borrower  and the  Lender,  and their  respective
successors and assigns,  except that the Borrower may not assign or transfer any
of its rights under any Loan  Document to which the Borrower is a party  without
the prior written consent of the Lender.

     10.5 Costs,  Expenses, and Taxes. The Borrower shall not be required to pay
any  costs  and  expenses   incurred  by  the  Lender  in  connection  with  the
preparation,  execution,  delivery,  filing,  and  administration  of  the  Loan
Documents,  and  of any  amendment,  modification,  or  supplement  to the  Loan
Documents, including, without limitation, the fees and out-of-pocket expenses of
counsel for the Lender incurred in connection with advising the Lender as to its
rights and responsibilities hereunder. The Borrower agrees to pay all such costs
and expenses,  including court costs, incurred in connection with enforcement of
the Loan  Documents,  or any  amendment,  modification,  or supplement  thereto,
whether by  negotiation,  legal  proceedings,  or  otherwise.  In addition,  the
Borrower  shall  pay any and all  stamp and  other  taxes  and fees  payable  or
determined to be payable in connection with the execution, delivery, filing, and
recording of any of the Loan  Documents and the other  documents to be delivered

                                       24

<PAGE>

under any such Loan  Documents,  and agree to hold the Lender  harmless from and
against any and all  liabilities  with respect to or resulting from any delay in
paying or  omission to pay such taxes and fees.  This  provision  shall  survive
termination of this Agreement.

     10.6. Integration. This Agreement and the Loan Documents contain the entire
agreement  between  the  parties  relating  to the  subject  matter  hereof  and
supersede all oral statements and prior writings with respect thereto.

     10.7. Indemnity.  The Borrower shall defend, protect,  indemnify,  and hold
harmless  the Lender and its  respective  officers,  directors,  employees,  and
agents  (including,  without  limitation,  those retained in connection with the
transactions contemplated by this Agreement)  (collectively,  the "Indemnitees")
from and against any and all actions,  causes of action, suits, claims,  losses,
costs,  penalties,  fees,  liabilities,  and damages, and expenses in connection
therewith  (irrespective of whether any such Indemnitee is a party to the action
for  which  indemnification  hereunder  is  sought),  and  including  reasonable
attorneys' fees and disbursements (the "Indemnified  Liabilities"),  incurred by
the Indemnitees or any of them as a result of, or arising out of, or relating to
(a) any  misrepresentation  or breach of any  representation or warranty made by
the  Borrower  in this  Agreement  or any  other  Loan  Document,  or any  other
certificate,  instrument, or document contemplated hereby or thereby; or (b) any
breach of any covenant,  agreement,  or obligation of the Borrower  contained in
this Agreement or any other Loan Document; or (c) the activities of the Borrower
or any Subsidiary,  each of their  respective  predecessors in interest or third
parties with whom they or any of them have or had a contractual relationship, or
arising  directly  or  indirectly  from  the  violation  of  any   environmental
protection,  health,  or safety law,  whether  such  claims are  asserted by any
governmental  agency or any other person;  or (d) any cause of action,  suit, or
claim  brought or made against such  Indemnitee  and arising out of or resulting
from the execution,  delivery,  performance, or enforcement of this Agreement or
any Loan Document,  or any other  instrument,  document,  or agreement  executed
pursuant hereto or thereto by any of the Indemnities,  any transaction  financed
or to be financed in whole or in part, directly or indirectly, with the proceeds
of the Loans or from the exercise of the  Warrants,  or the status of the Lender
or holder of any of the Notes, Warrants, Conversion Shares or Warrant Shares, or
as a stockholder in the Borrower.  To the extent that the foregoing  undertaking
by the Borrower may be unenforceable for any reason, the Borrower shall make the
maximum  contribution to the payment and satisfaction of each of the Indemnified
Liabilities  which is permissible  under  applicable  law. This indemnity  shall
survive termination of this Agreement.

     10.8.  Governing Law. This Agreement and the Note shall be governed by, and
construed in accordance with, the laws of the State of Florida.

     10.9. Severability of Provisions.  Any provision of any Loan Document which
is  prohibited  or  unenforceable  in  any  jurisdiction   (after  applying  the
provisions of paragraph 10.8 of this Agreement to that  provision)  shall, as to
such  jurisdiction,  be  ineffective  to  the  extent  of  such  prohibition  or
unenforceability  without  invalidating  the  remaining  provisions of such Loan
Document or affecting the validity or  enforceability  of such  provision in any
other jurisdiction.

                                       25

<PAGE>

     10.10  Headings.  Section and paragraph  headings in the Loan Documents are
included for the  convenience  of reference only and shall not constitute a part
of the applicable Loan Documents for any other purpose.

     10.11.  Dispute  Resolution.  Any  controversy  or claim  arising out of or
relating to this  Agreement  (whether in contract or tort, or both, or at law or
in equity)  shall be  determined  by  binding  arbitration  at Fort  Lauderdale,
Florida,  in accordance  with the commercial  arbitration  rules of the American
Arbitration  Association.  The prevailing  party in any  arbitration  proceeding
shall be awarded  reasonable  attorneys  fees and costs of the  proceeding.  The
arbitration  award  shall be  final,  and may be  entered  in any  court  having
jurisdiction.  Nothing  in this  paragraph  shall  preclude  either  party  from
applying to a court for temporary  equitable relief,  when appropriate,  pending
and subject to such  temporary  orders and permanent  award as the arbitrator or
arbitrators  may make. The parties agree that the courts of the Broward  County,
Florida shall have exclusive  jurisdiction and venue for the adjudication of any
civil action between them arising out of relating to this Agreement,  and hereby
irrevocably consent to such jurisdiction and venue.

          IN WITNESS  WHEREOF,  the parties  have caused  this  Agreement  to be
executed by their  respective  officers  thereunto  duly  authorized,  as of the
Effective Date.

The Lender:                                       The Borrower:

INFINITY FINANCIAL GROUP, INC.                    CUIDAO HOLDING CORP.

By                                                By
   ----------------------------                      ---------------------------
Name                                              Name
   ----------------------------                      ---------------------------
Title                                             Title
   ----------------------------                      ---------------------------
Date signed                                       Date signed
   ----------------------------                      ---------------------------

                                       26

<PAGE>

EXHIBIT A

                                      NOTE

US$____________[amount of Loan]       Fort Lauderdale, Florida   ______ __, ____

FOR VALUE RECEIVED,  on demand, and if no demand then on ___________,  200_, the
undersigned,   CUIDAO  HOLDING  CORP.,   (the   "Borrower"),   a  Florida  (USA)
corporation,   whose  address  is  3201  West  Griffin  Road,  Suite  204,  Fort
Lauderdale,  Florida 33312-6900, hereby promises to pay to the order of INFINITY
FINANCIAL   GROUP,   INC.,   (the   "Lender"),   at  the   Lender's   office  at
_______________________,  in lawful currency of the United States of America and
in immediately available funds, the principal sum of ___________________________
DOLLARS  AND NO  CENTS  (US$________)  together  with  interest  on  the  unpaid
principal  amount of this Note at the rate of EIGHT PERCENT (8%) per year,  from
the date of this Note until paid. Unless previously paid or converted, this Note
is due and  payable  in full on the  earlier  of (i)  April 4,  2004 or (ii) the
second anniversary of the date of issue set forth above.

This Note is one of the Notes  referred to in, and is  entitled to the  benefits
of, the Loan Agreement,  dated as of April 5, 2000, between the Borrower and the
Lender (the "Loan  Agreement").  Terms used herein which are defined in the Loan
Agreement  shall  have  their  defined  meanings  when  used  herein.  The  Loan
Agreement,  among other things,  contains  provisions  for  acceleration  of the
maturity of this Note upon the  happening of certain  stated events and also for
prepayments  on account of  principal  hereof prior to the maturity of this Note
upon the terms and  conditions  specified  in the Loan  Agreement.  This Note is
secured by a Security Agreement  referred to in the Loan Agreement,  executed by
the  Borrower,  reference  to which is  hereby  made  for a  description  of the
collateral  provided  for under the  Security  Agreement,  and the rights of the
parties with respect thereto.

This Note shall be governed by the laws of the State of Florida.

The Lender or other holder of this Note is entitled,  at its option,  to convert
at any time and from time to time,  all or any part of the  principal  amount of
the Note, plus accrued  interest,  into shares (the "Conversion  Shares") of the
Borrower's  common  stock,  $0.001 par value  ("Common  Stock").  No fraction of
shares or scrip  representing  fractions of shares will be issued on conversion,
but the number of shares  issuable  shall be rounded to the nearest whole share.
To convert this Note,  this Note must be surrendered at the principal  executive
office of the Escrow Lender pursuant to an Escrow Agreement  between the Company
and Infinity  Financial Group, Inc. dated April 5, 2000,  accompanied by written
notice of conversion  substantially  in the form of Exhibit A to this Note, with
appropriate  insertions.  The date upon which the conversion  shall be effective
(the  "Conversion  Date")  shall be deemed to be the date on which the Lender or
other holder has delivered this Note,  with the conversion  notice duly executed
to Escrow Holder, or if earlier, the date set forth in such notice of conversion

                                       27

<PAGE>

if the Note and such  conversion  notice is received by the Escrow Holder within
three (3) business days therefrom.  The Escrow Holder will deliver  certificates
representing  the  Conversion  Shares within three (3) business  days  following
receipt of the Note and conversion  notice.  The price per share of Common Stock
into which this Note is convertible (the "Conversion Price") shall be US$0.75.

The Borrower is obligated to register the issuance and resale of the  Conversion
Shares under the  Securities  Act of 1933, as amended,  pursuant to the terms of
the Registration  Rights Agreement  between the Borrower and the Lender referred
to in the Loan Agreement.

Any  controversy  or claim  arising out of or relating to this Note  (whether in
contract  or tort,  or both,  or at law or in  equity)  shall be  determined  by
binding  arbitration  at  Fort  Lauderdale,  Florida,  in  accordance  with  the
commercial  arbitration  rules  of the  American  Arbitration  Association.  The
prevailing  party in any  arbitration  proceeding  shall be  awarded  reasonable
attorneys  fees and costs of the  proceeding.  The  arbitration  award  shall be
final,  and may be entered  in any court  having  jurisdiction.  Nothing in this
paragraph  shall  preclude  either party from  applying to a court for temporary
equitable relief, when appropriate, pending and subject to such temporary orders
and permanent  award as the  arbitrator  or  arbitrators  may make.  The parties
hereby  consent  to the  exclusive  jurisdiction  of the  courts of the  Broward
County, Florida for that purpose.

CUIDAO HOLDING CORP.

By
   ----------------------------
Name
   ----------------------------
Title
   ----------------------------
Date signed
   ----------------------------

                                       28

<PAGE>

                                   EXHIBIT "A"

                              NOTICE OF CONVERSION

           (To be executed by the Holder in order to Convert the Note)

TO Cuidao Holding Corp.

     The undersigned hereby irrevocably elects to convert  $________________  of
the  principal  amount of the above Note into  Shares of Common  Stock of Cuidao
Holding Corp.  according to the conditions stated therein,  as of the Conversion
Date written below.

Conversion Date

Applicable Conversion Price - $0.75

Signature
          -------------------------------------------------
Name
          -------------------------------------------------
Address:
          -------------------------------------------------
          -------------------------------------------------

                                       29

<PAGE>

EXHIBIT B

                               SECURITY AGREEMENT

     This SECURITY AGREEMENT,  PLEDGE AND ASSIGNMENT (the "Security  Agreement")
dated and  effective as of April 5, 2000, is made by Cuidao  Holding Corp.  (the
"Borrower"), a Florida corporation,  as the debtor, to Infinity Financial Group,
Inc. (the "Lender"), as the secured party, in connection with the Loan Agreement
(as hereinafter defined).

     PRELIMINARY STATEMENTS:

     (1) The Borrower and the Lender have made and entered into a Loan Agreement
(as it now  exists  or  subsequently  may be  modified,  the  "Loan  Agreement")
effective as of April 5, 2000. The Borrower will derive  substantial  direct and
indirect benefit from the transactions contemplated by the Loan Agreement.

     (2) It is a condition  precedent to the making of Loans by the Lender under
the Loan  Agreement that the Borrower shall have made the pledge and granted the
assignment and security interest contemplated by this Security Agreement.

     (3) All capitalized  terms used but not defined in this Security  Agreement
shall have the meanings ascribed to them in the Loan Agreement.

     NOW, THEREFORE, in consideration of the premises and in order to induce the
Lender to make Loans under the Loan  Agreement,  the Borrower hereby agrees with
the Lender as follows:

Section 1.01.  Pledge,  Assignment  and Grant of Security.  The Borrower  hereby
assigns and pledges to the  Lender,  and hereby  grants to the Lender a security
interest  in all of the  Borrower's  right,  title  and  interest  in and to the
following, whether now owned or hereafter acquired (the "Collateral"):

         (1) All equipment in all its forms,  wherever located, now or hereafter
existing, all fixtures and all parts thereof and all accessions thereto (any and
all such equipment, fixtures, parts, and accessions being the "Equipment");

         (2)  All  inventory  in all  of its  forms,  wherever  located,  now or
hereafter  existing and raw  materials  and work in process  therefor,  finished
goods thereof,  and materials used or consumed in the  manufacture or production
thereof;  (b) goods in which the  Borrower has an interest in mass or a joint or
other interest or right of any kind  (including,  without  limitation,  goods in
which the Borrower has an interest or right as  consignee);  and (c) goods which
are returned to or repossessed by the Borrower),  and all accessions thereto and
products thereof and documents therefor (any and all such inventory, accessions,
products, and documents being the "Inventory"); and

                                       30

<PAGE>

         (3) All accounts,  contract rights, chattel paper and instruments,  now
or hereafter  existing,  whether or not arising out of or in connection with the
sale or lease of goods or the  rendering  of  services,  and all  rights  now or
hereafter  existing  in  and to  all  security  agreements,  leases,  and  other
contracts securing or otherwise relating to any such accounts,  contract rights,
chattel  paper and  instruments  (any and all such  accounts,  contract  rights,
chattel paper and  instruments,  being the  "Receivables",  and any and all such
leases, security agreements, and other contracts being the "Related Contracts");

         (4) All proceeds of any and all of the foregoing Collateral (including,
without limitation, proceeds which constitute property of the types described in
clauses (1) through (4) of this Section 1.01),  and, to the extent not otherwise
included,  all (a) payments  under  insurance  (whether or not the Lender is the
loss payee thereof), or any indemnity,  warranty, or guaranty, payable by reason
of  loss  or  damage  to or  otherwise  with  respect  to any  of the  foregoing
Collateral, and (b) cash.

Section 2.01.  Security for  Obligations.  This Security  Agreement  secures the
payment for all obligations of the Borrower now or hereafter  existing under the
Loan Agreement,  the Notes and the Registration  Rights  Agreement,  whether for
principal,  interest,  fees, expenses, or otherwise,  and all obligations of the
Borrower now or hereafter existing under this Security Agreement  (collectively,
the  "Obligations").  Without  limiting the  generality of the  foregoing,  this
Security  Agreement  secures the payment of all amounts which constitute part of
the Obligations and would be owed by the Borrower to the Lender under any of the
Loan  Documents  but for the fact that they are  unenforceable  or not allowable
owing to the existence of  bankruptcy,  reorganization,  or similar  proceedings
involving the Borrower.

Section  3.01.  Borrower  Remains  Liable.   Anything  herein  to  the  contrary
notwithstanding,  (1) the Borrower  shall remain  liable under the contracts and
agreements included in the collateral to the extent set forth therein to perform
all of its  duties  and  obligations  thereunder  to the same  extent as if this
Security Agreement had not been excluded;  (2) the exercise by the Lender of any
rights  hereunder  shall not  release  the  Borrower  from any of its  duties or
obligations under the contracts and agreements  included in the Collateral;  and
(3) the Lender shall not have any  obligation  or liability  under the contracts
and agreements  included in the Collateral by reason of this Security Agreement,
nor shall the Lender be obligated to perform any of the obligations or duties of
the  Borrower  thereunder  or to take any action to collect or enforce any claim
for payment assigned hereunder.

                                       31

<PAGE>

Section  4.01.  Representations  and  Warranties.  The Borrower  represents  and
warrants as follows:

         (1) All of the  Equipment  and  Inventory  are  located  at the  places
specified in Schedule I hereto.  The chief place of business and chief executive
office of the  Borrower  and the office  where the  Borrower  keeps its  records
concerning the Receivables, and the originals of all chattel paper that evidence
Receivables,  and the original copies of the Assigned Agreements, are located at
its address  specified in Section 17.01. None of the Receivables is evidenced by
a promissory note or other instrument.

         (2) The Borrower is the legal and  beneficial  owner of the  Collateral
free and clear of any Lien except for (i) the security  interest created by this
Security Agreement, and (ii) the security interests described in Schedule II. No
effective  financing  statement or other document similar in effect covering all
or any part of the  Collateral  is on file in any recording  office,  except (i)
such as may have been filed in favor of the  Lender  relating  to this  Security
Agreement,  and (ii) the  financing  statements  described  in Schedule  II. The
Borrower has no trade names except as set forth on Schedule III.

         (3) Except as  provided  on  Schedule  I, the  Borrower  has  exclusive
possession and control of the Equipment and Inventory.

         (4) Except as set forth on Schedule I, this Security  Agreement creates
a valid and  perfected  first  priority  security  interest  in the  Collateral,
securing  the payment of the  Obligations,  and all  filings  and other  actions
necessary or desirable to perfect and protect such  security  interest have been
duly taken.

         (5) The Borrower is a corporation duly incorporated,  validly existing,
and in good standing under the laws of the  jurisdiction  of its  incorporation;
has the  corporate  power and  authority  to own its assets and to transact  its
business,  and is duly  qualified  and in good  standing  under the laws of each
jurisdiction in which qualification is required.

         (6) The  execution  and  performance  by the Borrower of this  Security
Agreement have been duly authorized by all necessary corporate action and do not
and will not (a) require any consent or approval of the Borrower=s stockholders;
(b) contravene the  Borrower=s  charter or bylaws;  (c) violate any provision of
any law,  rule,  or  regulation;  or (d) result in a breach of or  constitute  a
default  under any indenture or loan or Loan  Agreement or any other  agreement,
lease,  or  instrument  to which the  Borrower  is a party or by which it or its
properties may be bound or affected.

         (7) This Security Agreement is the legal, valid, and binding obligation
of the Borrower,  enforceable in accordance with its respective terms, except to
the  extent  that such  enforcement  may be limited  by  applicable  bankruptcy,
insolvency, and other similar laws affecting creditors= rights generally.

         (8) No  consent  of any other  person or entity  and no  authorization,
approval,  or other action by, and no notice to or filing with, any governmental
authority or  regulatory  body is required (a) for the pledge by the Borrower of
the Security Collateral  pursuant to this Security  Agreement,  for the grant by
the  Borrower of the  assignment and security interest granted hereby or for the

                                       32

<PAGE>

execution,  delivery, or performance of this Security Agreement by the Borrower;
(b) for the perfection or maintenance  of the pledge,  assignment,  and security
interest  created hereby  (including  the first priority  nature of such pledge,
assignment, and security interest); or (c) for the exercise by the Lender of the
voting or other rights  provided for in this Security  Agreement or the remedies
in respect of the Collateral  pursuant to this Security Agreement (except as may
be required in connection  with the  disposition  of any portion of the Security
Collateral by laws affecting the offering and sale of securities generally).

         (9) The Inventory has been produced by the Borrower in compliance  with
all requirements of the Fair Labor Standards Act.

         (10) There are no  conditions  precedent to the  effectiveness  of this
Security Agreement that have not been satisfied or waived.

         (11) The Borrower  has,  independently  and without  reliance  upon the
Lender and based on such documents and information as it has deemed appropriate,
made its own credit analysis and decision to enter into this Security Agreement.

Section 5.01. Further Assurances.

         (1) The Borrower  agrees that from time to time,  at the expense of the
Borrower, the Borrower will promptly execute and deliver all further instruments
and documents,  and take all further action, that may be necessary or desirable,
or that the Lender may reasonably  request,  in order to perfect and protect any
pledge,  assignment  or security  interest  granted or  purported  to be granted
hereby or to enable the Lender to exercise  and enforce its rights and  remedies
hereunder with respect to any Collateral. Without limiting the generality of the
foregoing,  the Borrower  will execute and file such  financing or  continuation
statements, or amendments thereto, and such other instruments or notices, as may
be necessary or desirable, or as the Lender may request, in order to perfect and
preserve the pledge,  assignment,  and security interest granted or purported to
be granted hereby.

         (2) The  Borrower  hereby  authorizes  the  Lender  to file one or more
financing or continuation statements, and amendments thereto, relating to all or
any part of the Collateral without the signature of the Borrower where permitted
by law. A photocopy  or other  reproduction  of this  Security  Agreement or any
financing  statement  covering  the  Collateral  or any  part  thereof  shall be
sufficient as a financing statement where permitted by law.

         (3)  The  Borrower  will  furnish  to the  Lender  from  time  to  time
statements and schedules  further  identifying and describing the Collateral and
such  other  reports  in  connection  with  the  Collateral  as the  Lender  may
reasonably request, all in reasonable detail.

Section 6.01. As to Equipment and Inventory.

         (1) The Borrower  shall keep the Equipment  and  Inventory  (other than
Inventory  sold in the  ordinary  course of  business)  at the  places  therefor
specified  in Section  4.01(1)  or, upon 10 days'  prior  written  notice to the
Lender,  at such other  places in a  jurisdiction  where all action  required by
Section 5.01 shall have been taken with respect to the Equipment and Inventory.

                                       33

<PAGE>

         (2) The  Borrower  shall  cause  the  Equipment  to be  maintained  and
preserved in the same condition, repair, and working order as when new, ordinary
wear and tear excepted,  and in accordance with any  manufacturer=s  manual, and
shall forthwith, or in the case of any loss or damage to any of the Equipment as
quickly as practicable  after the occurrence  thereof,  make or cause to be made
all repairs,  replacements, and other improvements in connection therewith which
are necessary or desirable to such end. The Borrower shall  promptly  furnish to
the Lender a statement respecting any loss or damage to any of the Equipment.

         (3) The  Borrower  shall pay  promptly  when due all property and other
taxes,  assessments,  and  governmental  charges or levies imposed upon, and all
claims  (including  claims for labor,  materials,  and  supplies)  against,  the
Equipment and Inventory.  In producing the Inventory,  the Borrower shall comply
with all requirements of the Fair Labor Standards Act.

Section 7.01. Insurance.

         (1) the Borrower  shall,  at its own expense,  maintain  insurance with
respect to the Equipment and Inventory in such amounts,  against such risks,  in
such form and with such insurers,  as shall be  satisfactory  to the Lender from
time to time. The Borrower's  current  insurers are  satisfactory to the Lender.
Each policy for liability  insurance  shall provide for all losses to be paid on
behalf of the Lender and the Borrower as their  respective  interests may appear
and each  policy for  property  damage  insurance  shall  provide for all losses
(except for losses of less than $10,000 per  occurrence)  to be paid directly to
the Lender.  Each such policy  shall in addition  (a) name the  Borrower and the
Lender as insured parties thereunder  (without any representation or warranty by
or obligation  upon the Lender) as their  interests may appear;  (b) contain the
agreement by the insurer that any loss thereunder shall be payable to the Lender
notwithstanding any action, inaction, or breach of representation or warranty by
the Borrower; (c) provide that there shall be no recourse against the Lender for
payment of premiums or other amounts with respect thereto;  and (d) provide that
at least ten days' prior  written  notice of  cancellation  or of lapse shall be
given to the Lender by the insurer.  The Borrower  shall, if so requested by the
Lender,  deliver to the Lender original or duplicate  policies of such insurance
and,  as often as the Lender may  reasonably  request,  a report of a  reputable
insurance broker with respect to such insurance. Further, the Borrower shall, at
the request of the Lender, duly execute and deliver instruments of assignment of
such  insurance  policies to comply with the  requirements  of Section  6.01 and
cause the insurers to acknowledge notice of such assignment.

         (2)  Reimbursement  under any  liability  insurance  maintained  by the
Borrower  pursuant to this Section  7.01 may be paid  directly to the person who
shall have incurred  liability  covered by such  insurance.  In case of any loss
involving  damage to Equipment or Inventory when  subsection (3) of this Section
7.01 is not  applicable,  the  Borrower  shall  make  or  cause  to be made  the
necessary  repairs to or  replacements  of such Equipment or Inventory,  and any
proceeds of insurance  maintained by the Borrower  pursuant to this Section 7.01
shall be paid to the Borrower as reimbursement  for the costs of such repairs or
replacements.

         (3) Upon (a) the occurrence and during the  continuance of any Event of
Default,  or (b) the actual or  constructive  total loss (in excess of US$10,000
per occurrence) of any Equipment or Inventory, all insurance payments in respect
of such  Equipment  or  Inventory  shall be paid to and applied by the Lender as
specified in Section 13.01(2).

                                       34

<PAGE>

Section 8.01. Place of Perfection; Records, Collection of Receivables.

         (1) The  Borrower  shall  keep its chief  place of  business  and chief
executive  office  and the  office  where it keeps its  records  concerning  the
Receivables,  and  the  original  copies  of the  Assigned  Agreements  and  the
originals  of all  chattel  paper that  evidence  Receivables,  at the  location
therefor  specified in Section 4.01(1) or, upon 30 days' prior written notice to
the Lender, at any other locations in a jurisdiction  where all actions required
by Section  6.01 shall have been  taken  with  respect to the  Receivables.  The
Borrower will hold and preserve such records,  Assigned  Agreements  and chattel
paper and will permit  representatives  of the Lender at any time during  normal
business  hours to inspect  and make  abstracts  from such  records  and chattel
paper.

         (2) Except as otherwise  provided in this  subsection (2), the Borrower
shall continue to collect, at its own expense,  all amounts due or to become due
the Borrower under the  Receivables.  In connection with such  collections,  the
Borrower may take (and,  at the Lender's  direction,  shall take) such action as
the Borrower or the Lender may deem necessary or advisable to enforce collection
of the Receivables: provided, however, that the Lender shall have the right upon
the  occurrence  and during the  continuance  of an Event of Default or an event
which,  with the giving of notice or the lapse of time, or both, would become an
Event of Default and upon written  notice to the Borrower of its intention to do
so, to notify the  account  debtors or  obligors  under any  Receivables  of the
assignment  of such  Receivables  to the  Lender  and  subject  to any  priority
interests of other secured  creditors to direct such account debtors or obligors
to make payment of all amounts due or to become due to the  Borrower  thereunder
directly  to the Lender  and upon such  notification  and at the  expense of the
Borrower, to enforce collection of any such Receivables,  and to adjust, settle,
or compromise the amount or payment thereof,  in the same manner and to the same
extent as the  Borrower  might have done.  After  receipt by the Borrower of the
notice from the Lender referred to in the proviso to the preceding sentence, (a)
all amounts and  proceeds  (including  instruments)  received by the Borrower in
respect of the  Receivables  shall be  received  in trust for the benefit of the
Lender  hereunder,  shall be segregated  from other funds of the  Borrower,  and
shall be forthwith paid over to the Lender in the same form as so received (with
any necessary endorsement) to be held as cash collateral and either (i) released
to the  Borrower  so long as no Event of  Default  shall  have  occurred  and be
continuing  or  (ii)  if  any  Event  of  Default  shall  have  occurred  and be
continuing,  applied as provided by Section 13.01(2), and (b) the Borrower shall
not  adjust,  settle,  or  compromise  the amount or payment of any  Receivable,
release  wholly or partly any account  debtor or obligor  thereof,  or allow any
credit or discount thereon.

Section 9.01. Transfers and Other Liens; Additional Shares.

         (1) The  Borrower  shall not (a) sell,  assign (by  operation of law or
otherwise), or otherwise dispose of, or grant any option with respect to, any of
the  Collateral,  except  Inventory in the ordinary  course of business,  or (b)
create  or  permit  to  exist  any  Lien  upon  or  with  respect  to any of the
Collateral, except for the security interest under this Security Agreement.

Section  10.01.   Lender   Appointed   Attorney-In-Fact.   The  Borrower  hereby
irrevocably  appoints  the Lender  the  Borrower's  attorney-in-fact,  with full
authority in the place and stead of the Borrower and in the name of the Borrower
or otherwise,  from time to time in the Lender=s discretion,  to take any action
and to execute any  instrument  which the Lender may deem necessary or advisable
to accomplish the purposed of this Security  Agreement (subject to the rights of
the

                                       35

<PAGE>

Borrower under Section 8.01),  including,  without  limitation,  upon five days'
notice to the Borrower:

         (1) To  obtain and  adjust  insurance required to be paid to the Lender
pursuant to Section 8.01;

         (2) To ask, demand, collect, sue for, recover, compromise,  receive and
give  acquittance  and  receipts  for  moneys  due and to become due under or in
connection with the Collateral;

         (3) To receive,  endorse,  and collect any drafts or other instruments,
documents, and chattel paper, in connection therewith; and

         (4) To file any claims or take any action or institute any  proceedings
which the Lender may deem  necessary or desirable  for the  collection of any of
the  Collateral or otherwise to enforce the rights of the Lender with respect to
any of the Collateral.

Section  11.01.  Lender  May  Perform.  If the  Borrower  fails to  perform  any
agreement  contained herein, the Lender may itself perform, or cause performance
of,  such  agreement,  and the  expenses of the Lender  incurred  in  connection
therewith shall be payable by the Borrower under Section 14.01 (2). 5 days after
notice and failure

Section 12.01. The Lender's Duties. The powers conferred on the Lender hereunder
are solely to protect its  interest in the  Collateral  and shall not impose any
duty upon it to exercise  any such  powers.  Except for the safe  custody of any
Collateral in its possession and the accounting for moneys actually  received by
it  hereunder,  the  Lender  shall  have  no duty  as to any  Collateral,  as to
ascertaining  or taking  action with respect to calls,  conversions,  exchanges,
maturities,  tenders,  or other  matters  relative to any  Security  Collateral,
whether or not the Lender has or is deemed to have knowledge of such matters, or
as to the taking of any necessary steps to preserve rights against prior parties
or any other rights pertaining to any Collateral.  The Lender shall be deemed to
have exercised reasonable care in the custody and preservation of any Collateral
in its possession if such Collateral is accorded treatment  substantially  equal
to that which it accords its own property.

Section  13.01  Remedies.  If any Event of Default  shall have  occurred  and be
continuing:

         (1) The Lender may exercise in respect of the  collateral,  in addition
to other rights and remedies  provided for herein or otherwise  available to it,
all the rights and  remedies  of a secured  party on default  under the  Uniform
Commercial  Code in  effect in the State of  Florida  at that time (the  "Code")
(whether or not the Code applies to the affected  Collateral),  and also may (a)
require the  Borrower  to, and the  Borrower  hereby  agrees that it will at its
expense and upon  request of the Lender  forthwith,  assemble all of part of the
Collateral  as directed by the Lender and make it  available  to the Lender at a
place to be  designated  by the Lender which is  reasonably  convenient  to both
parties  and (b) upon five days'  notice to the  Borrower  (except as  specified
below), sell the Collateral or any part thereof in one or more parcels at public
or private  sale,  at any of the Lender=s  offices or  elsewhere,  for cash,  on
credit or for future delivery,  and upon such other terms as the Lender may deem
commercially reasonable.  The Borrower agrees that, to the extent notice of sale
shall be required by law, at least ten days'  notice to the Borrower of the time
and place of any public sale or the time after  which any private  sale is to be
made shall constitute reasonable

                                       36

<PAGE>

notification.  the Lender shall not be obligated to make any sale of  Collateral
regardless  of notice of sale  having  been  given.  The Lender may  adjourn any
public or private sale from time to time by  announcement  at the time and place
fixed therefor,  and such sale may, without further notice,  be made at the time
and place to which it was so adjourned.

         (2) Any cash held by the  Lender as  Collateral  and all cash  proceeds
received  by the  Lender in respect of any sale of,  collection  from,  or other
realization upon all or any part of the Collateral may, in the discretion of the
Lender,  be held by the  Lender  as  Collateral  for,  and/or  then or any  time
thereafter  be  applied  (after  payment  of any  amounts  payable to the Lender
pursuant to Section 19.01) in whole or in part by the Lender against, all or any
part of the Obligations in such order as the Lender shall elect.  Any surplus of
such cash or cash  proceeds  held by the Lender and  remaining  after payment in
full of all the Obligations  shall be paid over to the Borrower or to whomsoever
may be lawfully entitled to receive such surplus.

         (3) The Lender may  exercise  any and all  rights and  remedies  of the
Borrower  under or in  connection  with the Assigned  Agreements or otherwise in
respect of the Collateral,  including, without limitation, any and all rights of
the  Borrower to demand or otherwise  require  payment of any amount  under,  or
performance of any provision of, any Assigned Agreement.

         (4) All payments  received by the Borrower under or in connection  with
any  Assigned  Agreement  or  otherwise  in respect of the  Collateral  shall be
received in trust for the benefit of the Lender,  shall be segregated from other
funds of the Borrower and shall be forthwith paid over to the Lender in the same
form as so received (with any necessary endorsement).

Section 14.01. Indemnity and Expenses.

         (1) The Borrower  agrees to  indemnify  the Lender from and against any
and all claims,  losses, and liabilities  (including  reasonable  attorney fees)
growing out of or resulting  from this Security  Agreement  (including,  without
limitation,  enforcement of this Security Agreement),  except claims, losses, or
liabilities resulting from the Lender's gross negligence or willful misconduct.

         (2) The  Borrower  will upon demand pay to the Lender the amount of any
and all reasonable  expenses,  including the reasonable fees and expenses of its
counsel and of any experts and Lenders, which the Lender may incur in connection
with  (a)  the  administration  of this  Security  Agreement;  (b) the  custody,
preservation,  use or operation  of, or the sale of,  collection  from, or other
realization upon, any of the Collateral;  (c) the exercise or enforcement of any
of the rights of the Lender  hereunder;  or (d) the  failure by the  Borrower to
perform or observe any of the provisions hereof.

Section  15.01.  Security  Interest  Absolute.  All rights of the Lender and the
pledge,  assignment, and security interest hereunder, and all obligations of the
Borrower hereunder, shall be absolute and unconditional, irrespective of:

         (1) Any lack of validity,  regularity,  or  enforceability  of the Loan
Agreement, the Notes or any other agreement or instrument relating thereto;

                                       37

<PAGE>

         (2) Any change in the time, manner,  or  place of payment of, or in any
other term of, all or any of the  Obligations,  or any other amendment or waiver
of or any  consent  to any  departure  from the  Loan  Agreement  or the  Notes,
including,  without limitation,  any increase in Obligations  resulting from the
extension of  additional  credit to the Borrower or any of its  Subsidiaries  or
otherwise.

         (3) Any  taking,  exchange,  release,  or  non-perfection  of any other
collateral,  or any taking,  release,  or  amendment  or waiver of or consent to
departure from any guaranty, for all or any of the Obligations;

         (4) Any manner of application of Collateral,  or proceeds  thereof,  to
all or any of the Obligations, or any manner of sale or other disposition of any
Collateral for all or any of the Obligations or any other assets of the Borrower
or any of its subsidiaries;

         (5) Any  change,   restructuring,  or  termination  of  the   corporate
structure or existence of the Borrower or any of its subsidiaries; or

         (6) Any other circumstance  which might otherwise  constitute a defense
available to, or a discharge of, the Borrower.

Section 16.01.  Amendments;  Etc. No amendment,  modification,  termination,  or
waiver of any  provision  of this  Security  Agreement,  and no  consent  to any
departure by the Borrower  herefrom,  shall in any event be effective unless the
same  shall be in  writing  and signed by the  Lender,  and then such  waiver or
consent  shall be effective  only in the specific  instance and for the specific
purpose for which given.

Section  17.01.  Addresses  for Notices.  All notices  given under this Security
Agreement shall be in writing,  addressed to the parties as set forth below, and
shall be effective on the earliest of (i) the date received, or (ii) if given by
facsimile  transmittal  on the date given if  transmitted  before 5:00 p.m.  the
recipient's time, otherwise it is effective the next day, or (iii) on the second
business day after delivery to a major international air delivery or air courier
service (such as Federal Express or Network Couriers):

<TABLE>
<S>                                                    <C>
If to the Lender:                                      If to the Borrower:

Infinity Financial Group, Inc.                         Cuidao Holding Corp.
5320 NW 10th Terrace                                   3201 West Griffin Road, Suite 204
Fort Lauderdale, FL 33309                              Ft.  Lauderdale, FL 33312-6900
Attention: Joseph M.  Vasquez, III, President          Attention: C.  Michael Fisher,  President
Facsimile No.  (954) 938-2119                          Facsimile No. (954) 924-8171

With a copy (that does not                             With a copy (that does not
constitute notice) to:                                 constitute notice) to:

                                                       Mintmire & Associates
                                                       265 Sunrise Avenue, Suite 204
                                                       Palm Beach, FL  33480
                                                       Attn:  Donald F. Mintmire, Esq.
                                                       Facsimile No. (561) 659-5371
</TABLE>

                                       38

<PAGE>

Section 18.01.  Continuing Security Interest;  Assignments Under Loan Agreement.
This  Security  Agreement  shall  create a continuing  security  interest in the
Collateral  and shall (1) remain in full force and effect  until (a) the payment
in full of the  Obligations  and all other  amounts  payable under this Security
Agreement, and (b) the expiration or termination of any obligation of the Lender
to make Loans; (2) be binding upon the Borrower, its successors and assigns; and
(3)  inure  to the  benefit  of,  and be  enforceable  by,  the  Lender  and its
successors,  transferees,  and assigns.  Without  limiting the generality of the
foregoing  clause (3),  the Lender may assign or  otherwise  transfer all or any
portion of its  rights  and  obligations  under the Loan  Agreement  (including,
without  limitation,  all or any  portion  of any Notes held by it) to any other
person or entity,  and such other person or entity shall thereupon become vested
with all the  benefits  in  respect  thereof  granted  to the  Lender  herein or
otherwise.  Upon the later of the  payment  in full of the  Obligations  and all
other  amounts  payable  under this  Security  Agreement  and the  expiration or
termination of any obligation of the Lender to make Loans, the security interest
granted hereby shall terminate and all rights to the Collateral  shall revert to
the Borrower.  Upon any such  termination,  the Lender will,  at the  Borrower's
expense,  execute and deliver to the  Borrower  such  documents  as the Borrower
shall reasonably request to evidence such termination.

Section 19.01.  Governing Law; Terms. This Security  Agreement shall be governed
by and  construed  in  accordance  with the laws of the State of Florida and the
validity  or  perfection  of  the  security  interest  hereunder,   or  remedies
hereunder,  in respect of any  particular  Collateral  shall be  governed by the
Uniform Commercial Code as adopted in Florida.  Unless otherwise defined in this
Security Agreement or in the Loan Agreement,  terms used in Article 9 of the UCC
are used herein as therein defined.

Section 20.01.  Dispute  Resolution.  Any controversy or claim arising out of or
relating to this  Agreement  (whether in contract or tort, or both, or at law or
in equity)  shall be  determined  by  binding  arbitration  at Fort  Lauderdale,
Florida,  in accordance  with the commercial  arbitration  rules of the American
Arbitration  Association.  The prevailing  party in any  arbitration  proceeding
shall be awarded  reasonable  attorneys  fees and costs of the  proceeding.  The
arbitration  award  shall be  final,  and may be  entered  in any  court  having
jurisdiction.  Nothing  in this  paragraph  shall  preclude  either  party  from
applying to a court for temporary  equitable relief,  when appropriate,  pending
and subject to such  temporary  orders and permanent  award as the arbitrator or
arbitrators  may make. The parties hereby consent to the exclusive  jurisdiction
of the courts of the Broward County, Florida for that purpose.

         IN WITNESS WHEREOF,  the parties have caused this Security Agreement to
be executed by their respective  officers  thereunto duly authorized,  as of the
date first above written.

The Lender:                                       The Borrower:

INFINITY FINANCIAL GROUP, INC.                    CUIDAO HOLDING CORP.

By: /s/ Joseph M. Vazquez, III                    By: /s/ C Michael Fisher
   ----------------------------                      ---------------------------
Name  Joseph M. Vazquez, III                      Name C Michael Fisher
   ----------------------------                      ---------------------------
Title  President                                  Title President
   ----------------------------                      ---------------------------
Date signed   4/5/2000                            Date signed 4/5/2000
   ----------------------------                      ---------------------------

                                       39

<PAGE>

                                   Schedule I

                                     Part 1

                                       40

<PAGE>

                                   Schedule II

                      Locations of Equipment and Inventory

                                       41

<PAGE>

                                   Schedule II

     Description of Other Liens, Security Interests and Financing Statements

                                       42

<PAGE>

                                  Schedule III

                      Description of Borrower's Trade Names

                                       43

<PAGE>

EXHIBIT C

                          OPINION OF BORROWER'S COUNSEL

April 5, 2000

Infinity Financial Group, Inc.
5320 NW 10th Terrace
Fort Lauderdale, FL 33309
Attention: Joseph M.  Vasquez III, President

Ladies and gentlemen:

We refer to the Term Loan Agreement (the "Loan  Agreement") dated as of April 5,
2000, between Cuidao Holding Corp. (the "Borrower") a Florida  corporation,  and
Infinity  Financial Group, Inc. (the "Lender").  Capitalized terms used that are
defined  in the Loan  Agreement  are  used in this  opinion  with  the  meanings
ascribed to them in the Loan Agreement, unless otherwise defined herein.

We have acted as counsel to the Borrower,  in connection with the authorization,
execution,  and  delivery  of the Loan  Documents,  and in  connection  with the
authorization of the transactions contemplated thereby.

We have  examined  originals  or  photostatic  or  certified  copies of the Loan
Documents,  such  corporate  records,  financial  statements,   agreements,  and
instruments  of the Borrower  and of its  Subsidiaries,  certificates  of public
officials, certificates of officers of the Borrower and such other documents and
papers as we have  deemed  necessary  as a basis for the basis for the  opinions
hereinafter expressed. In our examination, we have assumed he genuineness of all
signatures and the conformity with the original of all documents submitted to us
as photostatic or certified copies.

As to various  factual  matters  material to such opinions,  we have relied upon
certificates  of public  officials  and of  officers  of the  Borrower.  We have
delivered copies to you of all such  certificates and we believe that we and you
are entitled to rely on such certificates.

Based on the foregoing,  and having due regard for legal  considerations that we
deem relevant, we are of the opinion that:

1.   The Borrower is a corporation duly organized, validly existing, and in good
     standing under the laws of the Florida,  has the corporate power to own its
     assets and to transact the business in which it is presently  engaged,  and
     is duly  qualified in each other  jurisdiction  in which the conduct of its
     business or the ownership of its assets requires such qualification.

2.   The  Borrower  has full  power,  authority,  and  legal  right to  execute,
     deliver, and perform the Loan Documents.

                                       44

<PAGE>

3.   The  execution,  delivery,  and  performance  by the  Borrower  of the Loan
     Documents have been duly  authorized by all necessary  corporate  action of
     the Borrower.

4.   The Loan  Documents  (except  for  Notes  that have not been  executed  and
     delivered)  constitute,  and each Note when  executed by the  Borrower  and
     delivered  to the Lender will  constitute,  the legal,  binding,  and valid
     obligations of the Borrower,  enforceable  in accordance  with their terms,
     except to the extent that  enforcement (but not validity) may be limited by
     bankruptcy,  insolvency,   reorganization,   moratorium,  or  similar  laws
     generally affecting the enforcement of the rights of creditors.

5.   The execution,  delivery,  and performance of the Loan Documents:  (i) will
     not violate (a) any law or regulation; or (b) any order, writ, or decree of
     any court or governmental  instrumentality  of which we have knowledge (and
     we have made inquiry as to the existence  thereof);  or (c) the Certificate
     of Incorporation or Bylaws of the Borrower; or (d) any mortgage, indenture,
     contract, agreement, or other undertaking to which the or any Subsidiary is
     a party or which  purports to be binding  upon it or any of its assets,  of
     which we have  knowledge  (and we have made inquiry as to the existence and
     terms  thereof);  and (ii) will not result in the creation or imposition of
     any lien,  charge,  or encumbrance on, or security  interest in, any of the
     assets of the Borrower  except for security  interests  created in favor of
     the Lender.

6.   No consent of any Person  (including,  but not limited to,  stockholders of
     the  Borrower)  and  no  license,   approval,   or  authorization   of,  or
     registration or declaration  with, any governmental  authority,  bureau, or
     agency,  is  required  in  connection  with the  execution,  delivery,  and
     performance of the Loan Documents.  Without  limiting the generality of the
     foregoing,  the Borrower=s  issuance of the Notes and the Lenders=  Warrant
     are exempt from the registration requirements of the U.S. Securities Act of
     1933, as amended, and the securities laws of the State of Florida.

7.   After  making  inquiry,  we  have  no  knowledge  of  any  actions,  suits,
     investigations, arbitrations, or proceedings (whether or not purportedly in
     behalf of the  Borrower)  pending or  threatened  against or affecting  the
     Borrower  or  any of  its  assets,  that  involve  any of the  transactions
     contemplated by the Loan Agreement or the Security Agreement,  or which may
     result on a material  adverse change in the business,  operations,  assets,
     prospects, or condition (financial or otherwise) of the Borrower.

8.   The Loan Agreement,  each Security Agreement,  the Escrow Agreement and the
     Lenders= Warrant have been duly executed and delivered by the Borrower.

9.   Under existing law the Agent will hold under the Securit  Agreement a valid
     priority  security  interest  in the  existing  Collateral  and  in  future
     Collateral  when  acquired  by the  Borrower,  subject  only  to the  prior
     security interests listed on Exhibit A to this letter. Financing Statements
     in respect of such security  interests  have been filed in all  appropriate
     offices  (as  listed  on  Exhibit  A to this  letter),  and  such  Security
     interests  are duly  perfected  under the Uniform  Commercial  Code and any
     other applicable legislation.

                                       45

<PAGE>

We invite  your  attention  to the fact that we are not  authorized  to practice
outside of the State of Florida,  and  accordingly we do not express any opinion
concerning  any law other that the law of the State of Florida  and the  federal
law of the United  States of  America.  For the purpose of giving our opinion on
the validity and enforceability of the Loan Documents,  we have assumed that the
substantive laws of the State of Florida.

The opinions  expressed in this letter are for the benefit of the Lender and may
not be relied on by any other Person without our prior written consent.

Very truly yours,

Mintmire & Associates

                                       46

<PAGE>

                                    Exhibit A
                                to Opinion Letter

                                   SCHEDULE OF
                             SECURITY INTERESTS AND
                           FINANCING STATEMENT FILINGS

                                       47

<PAGE>

EXHIBIT D
                                                                LENDER'S WARRANT

Warrant No. _____                                                Date:

          Void after 5:00 p.m. New York time, on ______________, 200__
                   Warrant to Purchase Shares of Common Stock

THESE SECURITIES HAVE NOT BEEN REGISTERED WITH THE UNITED STATES  SECURITIES AND
EXCHANGE  COMMISSION OR THE SECURITIES  COMMISSION OF ANY STATE.  THE SECURITIES
ARE BEING OFFERED PURSUANT TO REGULATION D PROMULGATED  UNDER THE SECURITIES ACT
OF 1933, AS AMENDED (THE "ACT").  THE SECURITIES ARE "RESTRICTED" AND MAY NOT BE
OFFERED OR SOLD UNLESS THE SECURITIES  ARE REGISTERED  UNDER THE ACT OR PURSUANT
TO AVAILABLE  EXEMPTIONS FROM THE  REGISTRATION  REQUIREMENTS OF THE ACT AND THE
SELLER WILL BE PROVIDED WITH OPINION OF COUNSEL OR OTHER SUCH  INFORMATION AS IT
MAY REASONABLY REQUIRE TO CONFIRM THAT SUCH EXEMPTIONS ARE AVAILABLE.

          -------------------------------------------------------------

             WARRANT TO PURCHASE ___________ SHARES OF COMMON STOCK

                                       OF

                              Cuidao Holding Corp.
        ----------------------------------------------------------------

         This it to certify that, FOR VALUE RECEIVED,  INFINITY FINANCIAL GROUP,
INC. as Lender or assigns  ("Holder")  is entitled to  purchase,  subject to the
provisions of this Warrant,  from Cuidao Holding  Corp.,  a Florida  corporation
(the "Company"),  the fully paid,  validly issued and  non-assessable  shares of
Common Stock,  $0.001 par value, of the Company  ("Common Stock") at any time or
from time to time during the period from the date hereof,  through and including
________________,  200__, but not later than 5:00 p.m. New York time, on earlier
of (i) April 4, 2004 or (ii) ____________,  200__ (the "Exercise Period") at the
price of US$1.50 per share (the "Exercise Price"). The total number of shares of
Common Stock to be issued upon exercise of this Warrant shall be  ______________
shares. The price to be paid for each share of Common Stock may be adjusted from
time to time as hereinafter  set forth.  The shares of Common Stock  deliverable
upon such exercise, and as adjusted from time to time, are hereinafter sometimes
referred to as "Warrant Shares" and the respective  exercise price of a share of
Common  Stock  in  effect  at any  time  and as  adjusted  from  time to time is
hereinafter sometimes referred to as the "Exercise Price."

                                       48

<PAGE>

         This Warrant is being issued pursuant to the Loan  Agreement,  dated as
of April 5, 2000,  between the Company and the  Holder.  This  Warrant  shall be
exercisable from time to time as follows:  (i) this Warrant shall be immediately
exercisable  for 20% of the number of Warrant  Shares;  and,  (ii) the  Warrants
shall be  exercisable  for an  additional1%  of the number of Warrant Shares for
each $25,000 of principal of Loans made under the Loan Agreement.

         The  Company  has agreed to  register  the  issuance  and resale of the
Common Stock  issuable upon  exercise of this Warrant under the U.S.  Securities
Act of 1933, as amended, pursuant to a Registration Rights Agreement between the
Company and the Holder of even date herewith.

A.   EXERCISE OF WARRANT

         This  Warrant may be  exercised in whole or in part at any time or from
time to time during the Exercise Period; provided, however, that (i) if the last
day of the Exercise Period is a day on which banking institutions in the City of
New  York  are  authorized  by law to  close,  then the  Exercise  Period  shall
terminate  on the next  succeeding  day that shall not be such a day, and during
such period the Holder  shall have the right to exercise  this  Warrant into the
kind and amount of shares of stock and other securities and property  (including
cash)  receivable by a holder of the number of shares of Common Stock into which
this Warrant might have been exercisable immediately prior thereto. This Warrant
may be exercised by  presentation  and  surrender  hereof to Infinity  Financial
Group, Inc. as Escrow Holder at the Escrow Holder's  principal  office,  5320 NW
10th Terrace,  Fort Lauderdale,  FL 33309, with the Exercise Form annexed hereto
duly executed and accompanied by payment of the Exercise Price for the number of
Warrant Shares  specified in such form. As soon as  practicable  after each such
exercise  of the  Warrants,  but not later  than seven (7) days from the date of
such  exercise,  the Escrow  Holder  shall,  to the extent  that the Company has
deposited shares of Common Stock with the Escrow Holder for that purpose,  issue
and deliver to the Holder a certificate  or  certificates  for the designee.  If
this Warrant should be exercised in part only, the Company shall, upon surrender
of this Warrant for cancellation,  execute and deliver a new Warrant  evidencing
the  rights of the Holder  thereof to  purchase  the  balance of Warrant  Shares
purchasable  thereunder.  Upon  receipt by the  Company  of this  Warrant at its
principal  office, or by the stock transfer Lender of the Company at its office,
in proper form for  exercise,  the Holder shall be deemed to be holder of record
of the shares of Common Stock issuable upon such exercise,  notwithstanding that
the  stock  transfer  books  of  the  Company  shall  then  be  closed  or  that
certificates  representing  such  shares  of  Common  Stock  shall  not  then be
physically delivered to the Holder.

B.   RESERVATION OF SHARES AND COVENANTS OF THE COMPANY

         The Company shall at all times have allotted and reserved for issuance,
and deposited  with the Escrow Holder for delivery upon exercise of this Warrant
such number of shares of its Common  Stock as shall be required for issuance and
delivery upon exercise of the Warrant.

         The  Company  covenants  with the Holder  that so long as any  Warrants
remain outstanding and may be exercised:

                                       49

<PAGE>

     1.   it will  cause  the  shares  of  Common  Stock  and  the  certificates
          representing  the Common Stock subscribed and paid for pursuant to the
          exercise  of the  Warrants to be duly  issued and  deposited  with the
          Escrow  Holder  for  delivery  in  accordance  herewith  and the terms
          hereof;

     2.   all shares of Common  Stock that shall be issued upon  exercise of the
          right to purchase provided for herein,  upon payment of the prevailing
          Exercise   Price   herein   provided,   shall   be   fully   paid  and
          non-assessable;

     3.   it will use its best efforts to maintain its corporate existence; and

     4.   generally,  it will  well and truly  perform  and carry out all of the
          acts or things to be done by it as provided herein.

C.   FRACTIONAL SHARES

         No fractional shares or script representing  fractional shares shall be
issued upon the  exercise of this  Warrant.  With  respect to any  fraction of a
share called for upon any exercise  hereof,  the Company shall pay to the Holder
an amount in cash equal to such fraction  multiplied by the current market value
of a share, determined as follows:

     1.   If the Common  Stock is listed on a National  Securities  Exchange  or
          admitted to unlisted trading privileges on such exchange or listed for
          trading on the NASDAQ  system,  the current  market value shall be the
          last  reported  sale price of the  Common  Stock on such  exchange  or
          system on the last  business day prior to the date of exercise of this
          Warrant  or, if no such sale is made (or  reported)  on such day,  the
          average  closing bid and asked prices for such day on such exchange or
          system; or

     2.   If the Common  Stock is not so listed or admitted to unlisted  trading
          privileges,  the  current  market  value shall be the mean to the last
          reported bid and ask prices reported by the Electronic  Bulletin Board
          or National  Quotation Bureau,  Inc. on the last business day prior to
          the date of the exercise of this Warrant; or

     3.   If the Common  Stock is not so listed or admitted to unlisted  trading
          privileges  and bid and ask prices are not so  reported,  the  current
          market value shall be an amount,  not less than book value  thereof as
          at the end of the most recent fiscal year of the Company  ending prior
          to the  date  of the  exercise  of the  Warrant,  determined  in  such
          reasonable  manner as may be  prescribed  by the Board of Directors of
          the Company.

D.   EXCHANGE, TRANSFER, ASSIGNMENT OR LOSS OF WARRANT

         This Warrant is  exchangeable,  without  expense,  at the option of the
Holder, upon presentation and surrender hereof to the Company for other warrants
of  different  denominations  entitling  the holder  thereof to  purchase in the
aggregate the same number of shares of Common Stock purchasable hereunder.  Upon
surrender of this Warrant to the Company at its principal

                                       50

<PAGE>

office,  with the  Assignment  Form  annexed  hereto  duly  executed  and  funds
sufficient  to pay any  applicable  transfer  tax,  the Company  shall,  without
charge,  execute and deliver a new Warrant in the name of the assignee  named in
such Assignment  Form and this Warrant shall promptly be canceled.  This Warrant
may be divided or combined  with other  warrants that carry the same rights upon
presentation  hereof at the  principal  office of the Company,  together  with a
written notice  specifying the names and denominations in which new Warrants are
to be issued and signed by the Holder hereof.  The term "Warrant" as used herein
includes any Warrants into which this Warrant may be divided or exchanged.  Upon
receipt  of the  Company  of  evidence  satisfactory  to it of the loss,  theft,
destruction  or mutilation of this Warrant,  and (in the case of loss,  theft or
destruction) of reasonably satisfactory indemnification,  and upon surrender and
cancellation of this Warrant, if mutilated, the Company will execute and deliver
a new  Warrant  of like  tenor  and  date.  Any such new  Warrant  executed  and
delivered shall constitute an additional  contractual  obligation on the part of
the Company, whether or not this Warrant so lost, stolen, destroyed or mutilated
shall be at any time enforceable by anyone.

         This  Warrant  and the Common  Stock  issuable  upon  exercise  of this
Warrant were issued under Regulation D under the Act and may be transferred only
in  accordance  therewith  and as  provided  in the  legends  set  forth in this
Warrant.

E.   RIGHTS OF THE HOLDER

         The Holder shall not, by virtue hereof,  be entitled to any rights of a
shareholder  in the  Company,  either at law or  equity,  and the  rights of the
Holder are limited to those  expressed  in the  Warrant and are not  enforceable
against the Company except to the extent set forth herein.

F.   ANTI-DILUTION PROVISIONS

         The respective  Exercise Price in effect at any time and the number and
kind of securities purchasable upon the exercise of the Warrant shall be subject
to  adjustment  from time to time  upon the  happening  of  certain  events  are
follows:

     1.   In  case  the  Company   shall  (i)  declare  a  dividend  or  make  a
          distribution  on its  outstanding  shares of Common Stock in shares of
          Common Stock,  (ii) subdivide or reclassify its outstanding  shares of
          Common  Stock  into a greater  number of shares,  or (iii)  combine or
          reclassify  its  outstanding  shares  of Common  Stock  into a smaller
          number of shares, the respective  Exercise Price in effect at the time
          of the  record  date  for  such  dividend  or  distribution  or of the
          effective date of such  subdivision,  combination or  reclassification
          shall be  adjusted  so that it shall  equal  the price  determined  by
          multiplying  the  respective   Exercise  Price  by  a  fraction,   the
          denominator  of which  shall be the  number of shares of Common  Stock
          outstanding  after giving effect to such action,  and the numerator of
          which  shall be the  number  of shares  of  Common  Stock  outstanding
          immediately  prior  to such  action.  Such  adjustment  shall  be made
          successively whenever any event listed above shall occur.

     2.   Whenever the  respective  Exercise Price payable upon exercise of each
          Warrant is adjusted  pursuant to Subsection  (1) above,  the number of
          Shares purchasable  uponexercise of this Warrant shall  simultaneously

                                       51

<PAGE>

          be adjusted by multiplying the respective  number of Shares  initially
          issuable upon exercise of this Warrant by a fraction,  the denominator
          of which  shall be the  Exercise  Price  after  giving  effect to such
          action  and the  numerator  of which  shall be the  Exercise  Price in
          effect immediately prior to such action.

     3.   No  adjustment  in the  respective  Exercise  Price  shall be required
          unless  such  adjustment  would  require an increase or decrease of at
          least one cent  ($0.01) in such  price;  provided,  however,  that any
          adjustment that by reason of this Subsection (3) is not required to be
          made shall be carried forward and taken into account in any subsequent
          adjustment required to be made hereunder.  All calculations under this
          Section  (F)  shall  be made  to the  nearest  cent or to the  nearest
          one-hundredth of a share, as the case may be. Anything in this Section
          (F) to the contrary  notwithstanding,  the Company  shall be entitled,
          but shall not be  required,  to make such  changes  in the  respective
          Exercise  Price, in addition to those required by this Section (F), as
          it shall determine,  in its sole discretion,  to be advisable in order
          that any dividend or  distribution  in shares of Common Stock,  or any
          subdivision,   reclassification   or   combination  of  Common  Stock,
          hereafter  made by the Company shall not result in any federal  income
          tax liability to the holders of Common Stock or securities convertible
          into Common Stock (including the Warrants).

     4.   In the event  that at any  time,  as a result  of an  adjustment  made
          pursuant  to  Subsection  (1)  above,   the  Holder  of  this  Warrant
          thereafter shall become entitled to receive any shares of the Company,
          other than Common Stock, thereafter the number of such other shares so
          receivable   upon  exercise  of  this  Warrant  shall  be  subject  to
          adjustment  from  time to time in a  manner  and on  terms  as  nearly
          equivalent as practicable to the provisions with respect to the Common
          Stock contained in Subsections (1) to (3) inclusive above.

     5.   Irrespective  of any  adjustments in the respective  Exercise Price or
          the related number or kind of shares purchasable upon exercise of this
          Warrant,  Warrants  theretofore  or thereafter  issued may continue to
          express  the same price and number and kind of shares as are stated in
          the similar Warrants initially issuable pursuant to this Warrant.

G.   OFFICER'S CERTIFICATE

Whenever  the  respective  Exercise  Price  shall be adjusted as required by the
provisions of the foregoing Section (F), the Company shall forthwith file in the
custody of its Secretary or an Assistant  Secretary at its principal  office, an
officer's  certificate  showing the adjusted Exercise Price determined as herein
provided,   setting  forth  in  reasonable   detail  the  facts  requiring  such
adjustment,  including a statement of the number of related additional shares of
Common  Stock,  if any,  and such other facts as shall be  necessary to show the
reason for and the manner of  computing  such  adjustment.  Each such  officer's
certificate  shall be made available at all  reasonable  times for inspection by
the holder or any holder of a Warrant executed and delivered pursuant to Section
(A) and the Company shall, forthwith after each such adjustment,  mail a copy by
certified mail of such certificate to the Holder or any such holder.

                                       52

<PAGE>

H.   NOTICES TO WARRANT HOLDERS

         So long as this Warrant shall be outstanding,  (i) if the Company shall
pay any dividend or make any  distribution  upon the Common Stock or (ii) if the
Company shall offer to the holders of Common Stock for  subscription or purchase
by them any share of any class or any other rights,  options or warrants  (other
than  this  Warrant)  or  (iii)  if a  capital  reorganization  of the  Company,
reclassification of the capital stock of the Company, consolidation or merger of
the Company with or into another corporation,  sale, lease or transfer of all or
substantially  all  of  the  property  and  assets  of the  Company  to  another
corporation, or voluntary or involuntary dissolution,  liquidation or winding up
of the Company shall be effected, then in any such case, the Company shall cause
to be mailed by certified  mail to the Holder,  at least fifteen (15) days prior
to the  date  specified,  as the  case  may  be,  a  notice  containing  a brief
description  of the proposed  action and stating the date on which a record date
is to be determined for the purpose of such dividend,  distribution  or issue of
rights,   options,  or  warrants  or  such   reclassification,   reorganization,
consolidation, merger, conveyance, lease, dissolution, liquidation or winding up
is to take place and the date,  if any is to be fixed as of which the holders of
Common  Stock  or  other   securities  shall  receive  cash  or  other  property
deliverable upon such reclassification,  reorganization,  consolidation, merger,
conveyance,  dissolution,  liquidation  or winding  up. The failure to give such
notice shall not otherwise affect the action take by the Company.

I.   RECLASSIFICATION, REORGANIZATION OR MERGER

         In case of any reclassification, capital reorganization or other change
of  outstanding  shares  Common  Stock  of  the  Company,  or  in  case  of  any
consolidation or merger of the Company with or into another  corporation  (other
than a merger with a subsidiary  in which  merger the Company is the  continuing
corporation  and  that  does  not  result  in  any   reclassification,   capital
reorganization  or other  change of  outstanding  shares of Common  Stock of the
class  issuable upon exercise of this Warrant) or in case of any sale,  lease or
conveyance to another corporation of the property of the Company as an entirety,
the Company shall, as a condition precedent to such transaction, cause effective
provisions  to be made so that the Holder  shall have the right  thereafter,  by
exercising  this Warrant at any time prior to the expiration of the Warrant,  to
purchase the kind and amount of shares of stock an other securities and property
receivable upon such reclassification,  capital reorganization and other change,
consolidation,  merger,  sale or conveyance by a holder of such number of shares
of Common  Stock that might have been  purchased  upon  exercise of this Warrant
immediately prior to such reclassification,  change, consolidation, merger, sale
or conveyance.  Any such provision shall include  provision for adjustments that
shall be as nearly equivalent as may be practicable to the adjustments  provided
for in this  Warrant.  The  foregoing  provisions  of  this  Section  (I)  shall
similarly apply to successive  reclassifications,  capital  reorganizations  and
changes of shares of Common  Stock and to  successive  consolidations,  mergers,
sales or  conveyances.  In the event that in  connection  with any such  capital
reorganization or reclassification,  consolidation,  merger, sale or conveyance,
additional  shares of Common  Stock  shall be  issued in  exchange,  conversion,
substitution  or  payment,  in whole or in part,  for a security  of the Company

                                       53

<PAGE>

other than Common  Stock,  any such issue shall be treated as an issue of Common
Stock covered by the provisions of Subsection (1) of Section (F) hereof.

J.   WARRANTS TO RANK PARI PASSU

         All Warrants shall rank pari passu,  whatever may be the actual date of
issue of the same.

K.   GOVERNING LAW; JURISDICTION AND VENUE

         This Warrant shall be governed by and  interpreted  in accordance  with
the laws of the State of Florida.

         Any  controversy  or claim arising out of or relating to this Agreement
(whether  in  contract  or  tort,  or  both,  or at law or in  equity)  shall be
determined by binding  arbitration at Fort  Lauderdale,  Florida,  in accordance
with the commercial  arbitration rules of the American Arbitration  Association.
The prevailing party in any arbitration  proceeding shall be awarded  reasonable
attorneys  fees and costs of the  proceeding.  The  arbitration  award  shall be
final,  and may be entered  in any court  having  jurisdiction.  Nothing in this
paragraph  shall  preclude  either party from  applying to a court for temporary
equitable relief, when appropriate, pending and subject to such temporary orders
and permanent award as the arbitrator or arbitrators may make.

         The parties agree that the courts of Broward County, Florida shall have
exclusive  jurisdiction  and venue  for the  adjudication  of any  civil  action
between them arising out of relating to this Agreement,  and hereby  irrevocably
consent to such jurisdiction and venue.

         IN WITNESS  WHEREOF,  the Company has caused this  Warrant to be signed
and  attested by the  undersigned,  each being duly  authorized,  as of the date
below.

                                         Cuidao Holding Corp..
                                         By:
                                             -----------------------
                                         Its:
                                             -----------------------

DATED: __________, 200

ATTEST:
     -----------------------
     -----------------------

                                       54

<PAGE>

                           FORM OF NOTICE OF EXERCISE

         The  undersigned  hereby  irrevocably  elects to  exercise  the  within
Warrant to the extent of  purchasing  __________  shares of Common  Stock at the
Exercise Price of US$1.50 per share, for a total of US$ _________________.

INSTRUCTIONS FOR REGISTRATION OF STOCK

Name
     ---------------------------------------------
      (Please typewrite or print in block letters)

Address
         -----------------------------------------
         -----------------------------------------

Signature
          --------------------------------------------------------------------
         (Sign exactly as your name appears on the first page of this Warrant)

                                       55

<PAGE>

                                 ASSIGNMENT FORM

         FOR VALUE RECEIVED,

----------------------------------------------------------
hereby sells, assigns and transfers unto

Name

----------------------------------------------------------
         (Please typewrite or print in block letters)

Address

----------------------------------------------------------

----------------------------------------------------------

the  right  to  purchase  shares  of  Common  Stock  of  Cuidao  Holding  Corp.,
represented  by this  Warrant  as to which such  right is  exercisable  and does
hereby irrevocably constitute and appoint
                                           -------------------------------------
Attorney,  to transfer the same on the books of Cuidao Holding Corp.,  with full
power of substitution in the premises.

Date:
     -----------------

Signature:
          --------------------------------------------------------------------
         (sign exactly as your name appears on the first page of this Warrant)

Note:  The Warrant and the Common Stock  issuable  upon  exercise of the Warrant
were issued under Regulation D under the Securities Act of 1933, as amended, and
may be transferred  only in accordance  therewith and as provided in the legends
set forth in the Warrant.

                                       56

<PAGE>

EXHIBIT E

                          REGISTRATION RIGHTS AGREEMENT

         THIS  REGISTRATION  RIGHTS  AGREEMENT  (this  "Agreement")  is made and
entered into as of April 5, 2000, by and between  Cuidao  Holding  Corp.,  a New
York  corporation  (the  "Company"),  and Infinity  Financial  Group,  Inc. (the
"Lender") under the terms of the Loan Agreement described below.

                             Preliminary Statements

         In connection with the consummation of the transactions contemplated by
that  certain  Loan  Agreement   (including  all  exhibits  thereto,  the  "Loan
Agreement") of even date herewith by and between the Company and the Lender, the
Company has agreed,  upon the terms and  subject to the  conditions  of the Loan
Agreement, at the option of the Lender or other holders of the Notes (as defined
in the Loan Agreement), to convert the Notes into shares of the Company's Common
Stock (the "Conversion Shares").

         The  Company  has  also  agreed,  upon the  terms  and  subject  to the
conditions  of the  Loan  Agreement,  to  issue to the  Lender  a  Warrant  (the
"Lender's  Warrant") to purchase up to 500,000  shares of the  Company's  Common
Stock (the "Lender's Warrant Shares").

         The Lender's Warrant Shares are referred to as the Warrant Shares.  The
Conversion Shares and the Warrant Shares are hereinafter  collectively  referred
to as the  "Registrable  Securities."  The  Registrable  Securities are issuable
pursuant and subject to the provisions of the Loan Agreement.

         To induce the Lender to execute and deliver the Loan  Agreement  and to
make  Loans  thereunder,  the  Company  has  agreed,  pursuant  to the terms and
conditions  of this  Agreement,  to provide  certain  registration  rights  with
respect to the Registrable Securities.

                                    Agreement

         In consideration of the foregoing,  the mutual covenants and conditions
set forth in this Agreement and for other good and valuable  consideration,  the
receipt and sufficiency of which are hereby acknowledged, the parties, intending
to become legally bound, hereby agree as follows:

                                    ARTICLE I
                                   DEFINITIONS

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

         "Agreement" shall mean this Registration Rights Agreement.

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

         "Conversion Shares" shall have the meaning ascribed to such term in the
Preliminary Statements to this Agreement.

                                       57

<PAGE>

         "Company" shall mean Cuidao Holding Corp., a Florida company.

         "Exchange  Act"  shall mean the  Securities  Exchange  Act of 1934,  as
amended, or any successor federal statute,  and the rules and regulations of the
Commission thereunder, all as in effect from time to time.

         "Filing  Deadline"  shall  have the  meaning  ascribed  to such term in
Section 2.1 of this Agreement.

         "Holder" or "Holders" shall mean (a) the Lender, to the extent that the
Lender holds  Registrable  Securities,  and (b) any Person  holding  Registrable
Securities  as a transferee  of the Lender  (directly or  indirectly,  including
subsequent transfers).

         "Lender" shall mean Infinity Financial Group, Inc.

         "Lender's  Warrant" shall have the meaning ascribed to such term in the
Preliminary Statements to this Agreement.

         "Lender's  Warrant Shares" shall have the meaning ascribed to such term
in the Preliminary Statements to this Agreement.

         "Loan  Agreement"  shall have the meaning  ascribed to such term in the
Preliminary Statements to this Agreement.

         "Person" shall mean any  individual,  corporation,  partnership,  joint
venture, association, joint-stock company, trust, unincorporated organization or
government or any agency or political subdivision thereof.

         The terms "register,"  "registered" and "registration" shall refer to a
registration  effected by preparing and filing with the  Commission  one or more
registration  statements covering Registrable  Securities in compliance with the
Registrable  Securities  Act  that  is  declared  or  ordered  effective  by the
Commission.

         "Registrable  Securities"   shall   mean  the  Conversion  Shares,  the
Lender's Warrant Shares, and any shares of capital stock issued or issuable with
respect to the Conversion  Shares or the Lender's Warrant Shares, as a result of
any stock split,  stock dividend,  recapitalization,  exchange or similar event;
provided,   however,  that  such  Registrable   Securities  shall  cease  to  be
Registrable  Securities  when (a) a registration  statement with respect to such
Registrable  Securities shall have been declared effective under the Registrable
Securities  Act and such  Registrable  Securities  shall have been  disposed  of
pursuant to the  registration  statement,  (b) such  Registrable  Securities are
distributed to the public pursuant to Rule 144(k) (or any successor  provisions)
promulgated  under the Securities Act or (c) such  Registrable  Securities shall
have ceased to be outstanding.

         "Registration Deadline" shall have the meaning ascribed to such term in
Section 2.1 of this Agreement.

                                       58

<PAGE>

         "Registration  Expenses"  shall mean all expenses  incurred in order to
comply with Article II hereof, including,  without limitation,  all registration
and filing fees,  printing  expenses,  fees and disbursements of counsel for the
Company,  reasonable fees and  disbursements of one (1) counsel for the Holders,
blue sky fees and expenses, 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) and
excluding Selling Expenses.

         "Restricted  Registrable  Securities" shall mean Registrable Securities
that are  "restricted  Registrable  Securities" as defined in Rule 144 under the
Securities Act.

         "Registrable  Securities"  shall have the meaning ascribed to such term
in the Preliminary Statements to this Agreement.

         "Securities Act" shall mean the Registrable  Securities Act of 1933, as
amended, or any successor federal statute,  and the rules and regulations of the
Commission thereunder, all as in effect from time to time.

         "Selling  Expenses" shall mean all  underwriting  discounts and selling
commissions  incurred  in  connection  with the sale of  Registrable  Securities
pursuant to a registration effected hereunder.

         "Warrant  Shares"  shall have the meaning  ascribed to such term in the
Preliminary Statements to this Agreement.

         Capitalized  terms used in this  Agreement  and not  otherwise  defined
herein  shall have the  respective  meanings  ascribed to such terms in the Loan
Agreement.

                                   ARTICLE II
                               REGISTRATION RIGHTS

Section 2.1       Mandatory Registration.

         (a) The Company shall prepare and file with the  Commission  within one
hundred  eighty  (180)  days  from  the  date of  this  Agreement  (the  "Filing
Deadline") a registration statement or registration statements (as is necessary)
on Form S-3  covering  the  issuance  and the  resale of all of the  Registrable
Securities.  Such  registration  statement shall register for resale  3,322,6670
shares.  The  Company  shall  use its  best  efforts  to have  the  registration
statement  declared  effective by the  Commission  within one hundred and twenty
(120) days after the Filing Deadline (the "Registration Deadline").  The Company
shall permit the  registration  statement to become effective within twenty (20)
business days after receipt of a "no review"  notice from the  Commission.  Such
registration  statement  shall be kept current and  effective for the greater of
(i) a period of at least four (4) years from the Closing  Date and (ii) a period
of at least  ninety  (90)  days  after  (x) all of the  Notes  shall  have  been
converted into Conversion  Shares or paid in full, and (y) the Lender's  Warrant
shall have been fully  exercised or expired.  If a  registration  statement with
respect to the  Registrable  Securities  is not  effective  on the  Registration
Deadline date, the Company agrees to and shall pay the Lender liquidated damages
of US$1,000 per month,  pro-rated  for partial  months,  until the  registration
statement is effective."

                                       59

<PAGE>

Section 2.2 Expenses of  Registration.  All  Registration  Expenses  incurred in
connection  with any  registration,  qualification  or  compliance  pursuant  to
Section  2.1  shall  be  borne  by the  Company;  and all  Selling  Expenses  in
connection with such registration, qualification or compliance shall be borne by
the holders of the Registrable Securities so registered pro rata on the basis of
the number of shares so registered.

Section  2.3  Registration  Procedures.   In  the  case  of  each  registration,
qualification or compliance effected by the Company pursuant to this Article II,
the Company  will keep each Holder  advised in writing as to the  initiation  of
each  registration,  qualification  and  compliance  and  as to  the  completion
thereof. At its expense, the Company will:

         (a)  prepare  and  file  with  the  Commission   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 Registrable  Securities Act with respect to the disposition of
all Registrable Securities covered by such registration statement;

         (b)  furnish to the  Holders  such  numbers of copies of a  prospectus,
including a preliminary  prospectus,  in conformity  with the requirement of the
Registrable  Securities  Act, and such other  documents  as they may  reasonably
request (including a conformed copy of the registration statement filed with the
Commission  and any  amendments  thereto and an original  executed  underwriting
agreement  entered  into in  connection  with  such  registration)  in  order to
facilitate the disposition of Registrable Registrable Securities owned by them;

         (c) use  reasonable  efforts to register  and  qualify the  Registrable
Securities  covered by such registration  statement under such other Registrable
Securities  or blue  sky  laws of one (1)  jurisdiction  (in  addition  to those
jurisdictions  in which the Company  has  otherwise  agreed to so  register  and
qualify such  Registrable  Securities)  as shall be reasonably  requested by the
Holders, 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;

         (d) in the event of any underwritten  public  offering,  enter into and
perform  its  obligations  under an  underwriting  agreement  with the  managing
underwriter(s) of such offering;  each Holder participating in such underwriting
shall  also enter  into and  perform  its  obligations  under such  underwriting
agreement;

         (e)  notify  each  Holder of  Registrable  Securities  covered  by such
registration  statement,  at any time  when a  prospectus  relating  thereto  is
required to be delivered under the Securities Act, of the happening of any event
as a result of which the prospectus included in such registration  statement, as
then in effect,  includes  an untrue  statement  of a material  fact or omits to
state a material  fact  required to be stated  therein or  necessary to make the
statements  therein  not  misleading  in the  light  of the  circumstances  then
existing; and

                                       60

<PAGE>

         (f) furnish,  at the request of any Holder  requesting  registration of
Registrable  Securities  pursuant  to this  Article  II,  on the date  that such
Registrable  Securities are delivered to the underwriters for sale in connection
with  registration  pursuant to this Article II, if such Registrable  Securities
are  being  sold  through  underwriters,  or on the date  that the  registration
statement with respect to such Registrable Securities becomes effective, if such
Registrable  Securities are not being sold through  underwriters,  (i) a copy of
any opinion,  dated such date, of the counsel  representing  the Company for the
purposes of such registration, addressed to the underwriters of the Company, and
(ii) a copy of any letter, dated such date, from the independent  accountants of
the Company, addressed to the underwriters of the Company.

         Each Holder of Registrable  Securities  agrees that upon receipt of any
notice from the Company of the  happening of any event of the kind  described in
clause  (f)  of  this  Section  2.3,  such  Holder  will  forthwith  discontinue
disposition of Registrable  Securities  pursuant to the  registration  statement
covering such  Registrable  Securities until such Holder's receipt of the copies
of a supplemented or amended prospectus and, if so directed by the Company, such
Holder will deliver to the Company (at the Company's expense), all copies, other
than permanent file copies then in such Holder's  possession,  of the prospectus
covering such Registrable  Securities that was in effect prior to such amendment
or supplement.  In the event the Company shall give any such notice,  the period
set forth in clause (a) of this  Section  2.3 shall be extended by the number of
days during the period from and  including the date of the giving of such notice
pursuant to clause (e) of this Section 2.3 to and  including  the date when each
seller of Registrable  Securities  covered by such registration  statement shall
have received the copies of a supplemented or amended prospectus.

Section 2.4       Indemnification.

         (a) The Company will  indemnify  each Holder,  each Holder's  officers,
directors and partners,  and each Person controlling such Holder  (collectively,
"Holder's  Parties"),  participating  in  any  registration,  qualification,  or
compliance  effected  pursuant to this  Article II with  respect to  Registrable
Securities held by such Holder and each underwriter, if any, and each Person who
controls any underwriter,  against all claims,  losses,  damages and liabilities
(or actions in respect  thereof),  including  any of the  foregoing  incurred in
settlement of any litigation,  commenced or threatened, to which they may become
subject under the Registrable  Securities Act, the Exchange Act or other federal
or state law,  arising out of or based on (i) any untrue  statement  (or alleged
untrue  statement)  of a material  fact  contained in any  prospectus,  offering
circular  or  other  similar  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 not misleading,  or (ii) any violation by the Company of
any federal, state or common law rule or regulation applicable to the Company in
connection with any such  registration,  qualification  or compliance,  and will
reimburse each such Holder's Parties each such underwriter,  and each Person who
controls any such underwriter,  for any legal and any other expenses  reasonably
incurred in connection  with  investigating  or defending any such claim,  loss,
damage, liability or action, as incurred,  provided that the Company will not be
liable  in any  such  case to the  extent  that any such  claim,  loss,  damage,
liability  or  expense  arises  out of or is based on any  untrue  statement  or
omission,  made  in  reliance  on and in  conformity  with  written  information
furnished  to the  Company by such  Holder's  Parties or  underwriter  or Person
controlling such underwriter specifically for use in the preparation thereof.

                                       61

<PAGE>

         (b) Each Holder will, if Registrable Securities held by such Holder are
included  in  the  Registrable   Securities  as  to  which  such   registration,
qualification  or  compliance  is being  effected,  severally  and not  jointly,
indemnify the Company, each of its directors and officers, each underwriter,  if
any,  of the  Company  Registrable  Securities  covered  by such a  registration
statement,  and each Person who controls the Company or such underwriter  within
the meaning of the  Registrable  Securities  Act,  against  all claims,  losses,
damages and liabilities (or actions in respect  thereof) arising out of or based
on (i) any untrue  statement  (or alleged  untrue  statement) of a material fact
contained in any such registration statement,  prospectus,  offering circular or
other similar document, or any omission (or alleged omission) to state therein a
material fact required to be stated  therein or necessary to make the statements
therein  not  misleading,  and  will  reimburse  the  Company,  such  directors,
officers,  Persons,  underwriters  or control Persons for any legal or any other
expenses  reasonably  incurred in connection with investigating or defending any
such claim, loss, damage,  liability or action, as incurred, 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 the written  information  furnished  to the Company by such
Holder specifically for use in the preparation thereof, or (ii) any violation by
any  such  Holder  of any  federal,  state  or  common  law  rule or  regulation
applicable to such Holder in connection  with the  distribution  of  Registrable
Securities pursuant to a registration statement, and will reimburse the Company,
such Holders, such directors, officers, Persons, underwriters or control Persons
for any  legal  any  other  expenses  reasonably  incurred  in  connection  with
investigating or defending any such claim, loss, damage,  liability,  or action,
as  incurred;  provided,  however,  that the  obligations  of each  such  Holder
hereunder shall be limited to an amount equal to the aggregate proceeds received
by such Holder in such offering.

         (c) Each party entitled to indemnification  under this Section 2.4 (the
"Indemnified  Party")  shall  give  notice  to the  party  required  to  provide
indemnification (the "Indemnifying Party") promptly after such Indemnified Party
has received  written  notice of any claim as to which  indemnity may be sought,
and shall permit the Indemnifying  Party to assume the defense of any such claim
or  any  litigation   resulting   therefrom,   provided  that  counsel  for  the
Indemnifying  Party,  who shall conduct the defense of such claim or litigation,
shall  be  approved  by  the   Indemnified   Party  (whose  approval  shall  not
unreasonably be withheld). The Indemnified Party may participate in such defense
at such party's expense;  provided,  however,  that the Indemnifying Party shall
bear the expense of such  defense of one counsel  representing  the  Indemnified
Party  if   representation  of  both  parties  by  the  same  counsel  would  be
inappropriate due to actual or potential  conflicts of interest.  The failure of
any  Indemnified  Party to give notice as provided  herein shall not relieve the
Indemnifying  Party of its  obligations  under this Section  2.4,  except to the
extent such failure to give notice shall materially and adversely  prejudice the
Indemnifying  Party in the defense of any such claim or any such litigation.  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 that 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.

         (d) (i) If the indemnification provided for in this Section 2.4 is held
     by a court of competent  jurisdiction  to be  unavailable to an Indemnified
     Party  with  respect  to any loss,  liability,  claim,  damage  or  expense
     referred to herein,  then the Indemnifying Party hereunder shall contribute
     to the amount paid or payable by such Indemnified Party as a result of such

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<PAGE>

     loss,  liability,  claim,  damage  or  expense,  in such  proportion  as is
     appropriate to reflect the relative fault of the Indemnifying  Party on the
     one hand and the Indemnified Party on the other hand in connection with the
     statements  or omissions  which  resulted in such loss,  liability,  claim,
     damage or expense as well as any other relevant  equitable  considerations.
     The relative fault of the Indemnifying  Party and of the Indemnified  Party
     shall be determined by reference to, among other things, whether the untrue
     or alleged  untrue  statement of a material fact or the omission to state a
     material fact relates to information  supplied by the Indemnifying Party or
     by the  Indemnified  Party and the  parties'  relevant  intent,  knowledge,
     access  to  information  and  opportunities  to  correct  or  prevent  such
     statement or omission.

          (ii) The  parties  agree  that it would not be just and  equitable  if
     contribution  pursuant  to this  Section  2.4 were  determined  by pro rata
     allocation or by any other method of allocation  that does not take account
     of the  equitable  considerations  referred  to above.  The amount  paid or
     payable by an Indemnified Party as a result of the claims,  losses, damages
     and  liabilities  referred to above 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.

          (iii) No Holder that is a seller of Registrable  Securities covered by
     such  registration  statement or Person  controlling such seller other than
     the Company shall be obligated to make  contribution  hereunder that in the
     aggregate  exceeds  the  total  public  offering  price of the  Registrable
     Securities  sold by such Holder,  less the aggregate  amount of any damages
     that such Holder and its  controlling  Persons have otherwise been required
     to pay pursuant to this Section  2.4.  The  obligations  of such Holders to
     contribute are several in proportion to their  respective  ownership of the
     Registrable  Securities  covered  by such  registration  statement  and not
     joint.

          (iv)  The  indemnity  and  contribution  provided  herein  shall be in
     addition  to,  and not in lieu of, any other  liability  that one party may
     have to another.

Section  2.5  Information  by  Holder.  Each  Holder of  Registrable  Securities
included  in any  registration  shall  furnish to the Company  such  information
regarding  such  Holder  and the  distribution  proposed  by such  Holder as the
Company may request in writing and as shall be required in  connection  with any
registration, qualification or compliance referred to in this Article II.

Section 2.6 Rule 144 Reporting.  With a view to making available the benefits of
certain rules and  regulations of the Commission that may at any time permit the
sale  of  the   Restricted   Registrable   Securities  to  the  public   without
registration, the Company agrees to:

         (a) use its best  efforts  to  facilitate  the  sale of the  Restricted
Registrable  Securities to the public without registration under the Registrable
Securities Act, pursuant to Rule 144 under the Registrable Securities Act;

         (b) make and keep  public  information  available,  as those  terms are
understood and defined in Rule 144 under the Registrable  Securities Act, at all
times after the effective date of the first registration  statement filed by the
Company for an offering of its Registrable Securities to the general public;

                                       63

<PAGE>

         (c) file with the  Commission  in a timely manner all reports and other
documents  required of the Company under the Registrable  Securities Act and the
Exchange  Act (at  any  time  after  it has  become  subject  to such  reporting
requirements); and

         (d) so long as a Holder owns any Restricted  Registrable  Securities to
furnish to the Holder forthwith upon request a written  statement by the Company
as to its compliance with the public information  requirements of said Rule 144,
and  the  reporting  requirements  of the  Registrable  Securities  Act  and the
Exchange  Act,  a copy of the most  recent  annual  or  quarterly  report of the
Company,  and such other  reports  and  documents  so filed by the  Company as a
Holder may  reasonably  request in availing  itself of any rule or regulation of
the Commission allowing a Holder to sell any such Registrable Securities without
registration.

Section 2.7  Transfer of  Registration  Rights.  The rights  granted  under this
Article II may be assigned or  otherwise  conveyed by any Holder of  Registrable
Securities  to  any  transferee,  subject  to  compliance  with  all  applicable
Registrable Securities laws and regulations.

Section 2.8 Certain Limitations in Connection with Future Grants of Registration
            Rights.

         From and after the date of this  Agreement,  without the prior  written
consent of the Holders of a majority of the Registrable Securities,  the Company
shall not enter into any agreement with any holder or prospective  holder of any
Registrable  Securities of the Company providing for the granting to such holder
of  registration  rights  that  would be  superior  to those  granted to Holders
pursuant to Section 2.1.

Section  2.9  Restrictions  on Market  Manipulation.  In the event any shares of
Common  Stock are  offered  or sold by any Holder in a  registration,  each such
Holder will:

         (a)  advise  the  Company  in  writing  of any  offer,  sale  or  other
disposition  by it of any Common  Stock in any manner other than as set forth in
the  registration  statement or any  prospectus  included  therein on or for the
30-day  period  prior to the  filing of such  registration  statement  until the
distribution under the registration statement has been completed;

         (b) not  effect  any  stabilization  activity  in  connection  with the
Company's Common Stock;

         (c) not  bid  or purchase, for any account in which it has a beneficial
interest,  any Common Stock  except as may be  permitted  pursuant to Rule 10b-6
under the Exchange Act (if applicable);

         (d) not  until  it has sold all of such shares of Common Stock, attempt
to induce any Person to purchase  any Common  Stock  except as may be  permitted
pursuant to Rule 10b-6; and

         (e) not  until it has sold all such  shares of  Common  Stock,  pay any
compensation  for soliciting  another to purchase any Registrable  Securities of
the Company, except as may be permitted pursuant to Rule 10b-6.

                                       64

<PAGE>

                                   ARTICLE III
                                  MISCELLANEOUS

Section 3.1 Governing  Law;  Jurisdiction  and Venue.  This  Agreement  shall be
governed by and interpreted in accordance with the laws of the State of Florida.
Any  controversy or claim arising out of or relating to this Agreement  (whether
in contract or tort,  or both,  or at law or in equity)  shall be  determined by
binding  arbitration  at  Fort  Lauderdale,  Florida,  in  accordance  with  the
commercial  arbitration  rules  of the  American  Arbitration  Association.  The
prevailing  party in any  arbitration  proceeding  shall be  awarded  reasonable
attorneys  fees and costs of the  proceeding.  The  arbitration  award  shall be
final,  and may be entered  in any court  having  jurisdiction.  Nothing in this
paragraph  shall  preclude  either party from  applying to a court for temporary
equitable relief, when appropriate, pending and subject to such temporary orders
and permanent award as the arbitrator or arbitrators may make. The parties agree
that the courts of Broward County, Florida shall have exclusive jurisdiction and
venue for the  adjudication  of any civil  action  between  them  arising out of
relating to this Agreement,  and hereby irrevocably consent to such jurisdiction
and venue.

Section 3.2 Successors and Assignees.  Except as otherwise  provided herein, the
provisions  hereof  shall  inure to the  benefit  of, and be binding  upon,  the
successors,  assignees, heirs, executors and administrators (as the case may be)
of the parties hereto.

Section 3.3 Entire  Agreement.  This Agreement  constitutes  the full and entire
understanding  and  agreement  between  the  parties  with regard to the subject
matter hereof.

Section 3.4 Notices,  etc. All notices given under this  Agreement and under the
other Loan Documents shall be in writing,  addressed to the parties as set forth
below, and shall be effective on the earliest of (i) the date received,  or (ii)
if given by facsimile  transmittal on the date given if transmitted  before 5:00
p.m. the recipient's  time,  otherwise it is effective the next day, or (iii) on
the second business day after delivery to a major  international air delivery or
air courier service (such as Federal Express or Network Couriers):

<TABLE>
<S>                                                    <C>
If to the Lender:                                      If to the Borrower:

Infinity Financial Group, Inc.                         Cuidao Holding Corp.
5320 NW 10th Terrace                                   3201 West Griffin Road, Suite 204
Fort Lauderdale, FL 33309                              Ft.  Lauderdale, FL 33312-6900
Attention: Joseph M.  Vasquez, III, President          Attention: C.  Michael Fisher,  President
Facsimile No.  (954) 938-2119                          Facsimile No. (954) 924-8171

With a copy (that does not                             With a copy (that does not
constitute notice) to:                                 constitute notice) to:

                                                       Mintmire & Associates
                                                       265 Sunrise Avenue, Suite 204
                                                       Palm Beach, FL  33480
                                                       Attn:  Donald F. Mintmire, Esq.
                                                       Facsimile No. (561) 659-5371
</TABLE>

                                       65

<PAGE>

Section 3.5 Delays or  Omissions.  No delay or  omission to exercise  any right,
power or remedy accruing to any Holder of any Registrable  Securities,  upon any
breach or default of the Company  under this  Agreement,  shall  impair any such
right,  power or remedy of such Holder nor shall it be  construed to be a waiver
of any such breach or default or an acquiescence therein or of or in any similar
breach or default thereunder occurring nor shall any waiver of any single breach
or default  be deemed a waiver of any other  breach or  default  theretofore  or
thereafter  occurring.  Any waiver,  permit,  consent or approval of any kind or
character  on the  part of any  Holder  of any  breach  or  default  under  this
Agreement  or any  waiver  on  the  part  of any  Holder  of any  provisions  or
conditions of this  Agreement  must be in writing and shall be effective only to
the extent  specifically set forth in such writing.  All remedies,  either under
this Agreement or by law or otherwise afforded to any Holder shall be cumulative
and not alternative.

Section  3.6  Counterparts.  This  Agreement  may be  executed  in any number of
counterparts,  each of which may be  executed  by less  than all of the  parties
hereto,  each of  which  shall  be  enforceable  against  the  parties  actually
executing  such  counterparts  and all of which  together  shall  constitute one
instrument.

Section 3.7 Severability.  In the event any provision of this Agreement shall be
invalid, illegal or unenforceable,  the validity, legality and enforceability of
the remaining provisions shall not in any way be affected or impaired thereby.

Section 3.8  Amendments.  The provisions of this Agreement may be amended at any
time and from time to time, and  particular  provisions of this Agreement may be
waived,  with and only with,  an agreement  or consent in writing  signed by the
Company and by the Holders of a majority of the Registrable Securities voting as
a single class.

         IN WITNESS WHEREOF,  the parties have executed this Registration Rights
Agreement as of the date first written above.

The Lender:                                       The Borrower:

INFINITY FINANCIAL GROUP, INC.                    CUIDAO HOLDING CORP.

By: /s/ Joseph M. Vazquez, III                    By: /s/ C Michael Fisher
   ----------------------------                      ---------------------------
Name  Joseph M. Vazquez, III                      Name C Michael Fisher
   ----------------------------                      ---------------------------
Title  President                                  Title President
   ----------------------------                      ---------------------------
Date signed   4/5/2000                            Date signed 4/5/2000
   ----------------------------                      ---------------------------

<PAGE>

EXHIBIT F

                                ESCROW AGREEMENT

1.  Parties

     1.1.  This Escrow  Agreement  (this  "Agreement")  is made and entered into
effective April 5, 2000 (the ""Effective  Date"),  by and between Cuidao Holding
Corp. (the "Company") and Infinity Financial Group, Inc. (the ""Escrow Holder").

2.  Recitals.

     2.1.  This  Agreement  is made with  reference to the  following  facts and
circumstances:

          (a) The Company and  Infinity  Financial  Group Inc.,  as Lender,  are
     entering into a Loan Agreement dated April 5, 2000 (the ""Loan Agreement"),
     pursuant to which the Company  will issue to the Lender up to an  aggregate
     of US$1,825,000 of notes (the "Notes").  The Notes are convertible,  at the
     option of the  holder or  holders  thereof,  into  shares of the  Company=s
     common stock,  $0.0001 par value ("Common  Stock").  Under the terms of the
     Loan  Agreement,  the Company has agreed to issue and deliver to the Lender
     (i) a warrant to purchase up to an aggregate of up to 500,000 shares of the
     Company=s Common Stock.(the ""Lender's Warrant").  The Lender's Warrant and
     the Lender's  Warrant are referred to each as a "Warrant" and  collectively
     as the  ""Warrants".  The Common Stock into which the Notes are convertible
     are  referred to as the  Conversion  Shares.  The Common Stock to which the
     Warrants  are  subject  are  referred  to as  the  ""Warrant  Shares".  The
     Conversion  Shares and the Warrant  Shares are issuable in such amounts and
     upon the terms set forth in the Loan Agreement.

          (b) The conversion price of the Conversion Shares is $0.75.

          (c) The exercise price for the Warrant Shares is US$1.50 per share.

          (d) The Notes mature, unless sooner paid or converted,  on the earlier
     of (i) April 4, 2004 or (ii) the second anniversary of their issuance date.

          (e) The Warrants,  unless sooner exercised or redeemed,  expire on the
     earlier  of (i)  April 4,  2004 or (ii)  the  second  anniversary  of their
     issuance date.

          (f) Under the terms of a  Registration  Rights  Agreement  between the
     Company  and the  Lender,  the  Company  has agreed to file a  registration
     statement  (the   ""Registration   Statement")   under  the  United  States
     Securities Act of 1933 as Amended (the ""Securities  Act"), for the purpose
     of  registering  the issuance and resale of the  Conversion  Shares and the
     Warrant Shares.

          (g) Under the terms of the Loan  Agreement,  the Company has agreed to
     execute this Agreement with the Escrow Holder,  to issue  certificates  for
     the  Conversion  Shares  (the  "Conversion  Shares  Certificates")  and the
     Warrant Shares (the "Warrant Shares Certificates"),  registered in the name
     of the Escrow  Holder,  and to  deliver  those  certificates  to the Escrow
     Holder pursuant to the terms of this Agreement.

          (h) In accordance with the terms of the Loan Agreement, the Company is
     issuing a Note for  US$11,000  upon the  execution of this  Agreement  (the
     ""Initial Note").

     2.1. In consideration of the premises, and in order to establish the escrow
for the Conversion Shares and the Warrant Shares required by the Loan Agreement,
the Company is entering into this Agreement with the Escrow Holder.

                                       66

<PAGE>

3.  Escrow

     3.1.  Contemporaneously with the execution of this Agreement,  the Borrower
shall execute and deliver to the Escrow  Holder a certificate  for the number of
Conversion  Shares  underlying the Note evidencing the initial Loan and interest
for the term  thereof  and the number of Warrant  Shares for which the  Warrants
shall be exercisable upon funding the initial Loan, to wit, 20,027 shares. Prior
to each  additional  Loan,  the Borrower shall execute and deliver to the Escrow
Holder a certificate for the number of additional  Conversion  Shares underlying
the Note  evidencing  that Loan and the number of additional  Warrant Shares for
which the Warrants shall be exercisable upon funding that Loan.

     3.2. All certificates for Conversion Shares and Warrant Shares delivered to
the Escrow Holder shall be registered in the name of Infinity  Financial  Group,
Inc.  Until such time as the  registration  statement  covering  the  Conversion
Shares and the Warrant shares is effective, the certificates shall bear a legend
indicating  that they have been issued in a transaction  that is exempt from the
registration  requirements  of the  Securities  Act, and may not be  transferred
except  pursuant to  registration  under the Securities Act or an exemption from
such  registration.  Except for such  legend,  the Common Stock  underlying  the
Lender's  Warrant shall be free and clear of any legends,  liens,  claims,  stop
orders or other restrictions.

     3.3. Not later than the third  Business Day following the effective date of
the Registration Statement, the Borrower shall cause the Common Stock underlying
the Lender's  Warrant to be registered in Lender=s  name,  free and clear of any
legends, liens, claims, stop orders or other restrictions.

     3.4.  All  Conversion  Shares and Warrant  Shares  deposited by the Company
after the effective date of the  Registration  Statement  shall be registered in
the name of  Inifinity  Financial  Group,  Inc.,  free and clear of any legends,
liens, claims, stop orders or other restrictions.

4. Release of Conversion Shares and Warrant Shares

     4.1. Upon receipt of a Conversion  Notice, the Escrow Holder shall promptly
(and in any event within three  business  days) release the number of Conversion
Shares specified in the Conversion  Notice to the person specified  therein.  If
all of the unpaid principal of and interest on the Note is being converted; then
the Escrow Holder shall endorse the Note as paid in full, and transmit the Note,
so endorsed, and the Conversion Notice, to the Company. If the conversion is for
less than all of the unpaid  principal of and  interest on the Note,  the Escrow
Holder shall endorse upon the Note the amount of principal  thereof and interest
thereon that is being  converted,  and transmit a copy of the Note, so endorsed,
and the Conversion Notice, to the Company.

     4.2. Upon receipt of a Warrant, together with an executed Purchase Form and
the  Exercise  Price for the number of Warrant  Shares  specified  therein,  the
Escrow Holder shall  promptly  (and in any event within three  business days (i)
release  the number of Warrant  Shares  specified  in the  Purchase  Form to the
person specified therein;  (ii) transmit a copy of the Warrant and Purchase Form
to the Company;  and (ii) disburse the Exercise Price for such Warrant Shares to
the Company,  either by check or wire  transfer as the Company  shall specify by
written instructions to the Escrow Holder.

                                       67

<PAGE>

Promptly upon the written request of the Escrow Holder,  the Company shall issue
replacement  Warrants  and deliver them to the Escrow  Holder,  upon any partial
exercise  of a  Warrant  ,or upon the  transfer  of a  Warrant  or any  interest
therein.

5.  Termination and Resignation

     5.1. This Agreement, unless sooner terminated,  shall terminate on the date
on which  all of the Notes  have  been  redeemed  or  converted,  and all of the
Warrants have been exercised or expired.

     5.2. The Escrow  Holder may resign as such at any time,  without  liability
therefor,  by giving  the  Company  and the  Lender  not less than 10 days prior
written  notice of its  election  to do so. In the event of the Escrow  Holder"s
resignation,  the  Company  shall  promptly  appoint a successor  Escrow  Holder
acceptable to the Lender.

6.  Limitation on the Escrow Holder=s Liability; Indemnification.

     6.1.  The Escrow  Holder  shall not be liable to the  Company,  to any Note
holder,  to any Warrant holder,  or to any other person or entity for any action
taken or omitted by it, except for the Escrow  Holder's own gross  negligence or
wilful misconduct. Without limiting the generality of the foregoing:

          (a) The Escrow Holder may rely upon,  and shall be protected in acting
     or  refraining  from acting in  reliance  upon,  any  notice,  certificate,
     instrument,  request,  paper or other document believed by it to be genuine
     and made, sent,  signed or presented by the Company,  any Note holder,  any
     Warrant holder, or any other person or entity.

          (b) The  Escrow  Holder  shall not be  responsible  or liable  for the
     genuineness,   validity  or  sufficiency  of  any  Note,   Warrant,   stock
     certificate,  notice or other instrument delivered to it, including without
     limitation the genuineness of any signature thereon,  or of the identity or
     authority of any person executing or delivering the same.

     6.2. The Escrow  Holder shall not be obligated to take any action to defend
or enforce this  Agreement,  or to appear in,  prosecute or defend any action or
legal proceeding,  or to file any income or other tax return that, in the Escrow
Holder's opinion,  would or might involve any cost, expense,  loss or liability,
unless,  and as often as  required  by it,  the  Company  shall  furnish it with
security and indemnity  satisfactory to it against all such cost, expense,  loss
and liability.

     6.3.  The  Escrow  Holder  shall not be  responsible  for the  validity  or
enforceability of any provision of this Agreement,  or for the execution thereof
by the Company, or for the truth or accuracy of any recitals or other statements
of fact contained in this Agreement.

     6.4.  The Escrow  Holder is not, and shall not be deemed for any purpose to
be, a fiduciary under this Agreement or otherwise, for the Company, for any Note
holder, for any Warrant holder, or for any other person or entity.

     6.5.  Except  for  matters  for  which the  Escrow  Holder is liable to the
Company under  paragraph  6.1 of this  Agreement,  the Company  hereby agrees to
defend and indemnify the Escrow

                                       68

<PAGE>

Holder and its shareholders,  directors, officers, employees and Lenders, and to
hold each of them  harmless  from and  against  any and all  judgments,  awards,
orders, damages,  claims,  demands,  liability,  penalties,  costs, and expenses
(including  attorney  fees  and  court  or  arbitration  costs)  of  any  nature
whatsoever, directly or indirectly arising out of or relating to this Agreement,
or any act or omission of the Escrow  Holder  hereunder.  This  indemnity  shall
survive termination of this Agreement.

7.  Miscellaneous Provisions.

     7.1. No amendment, modification, termination, or waiver of any provision of
this  Agreement,  nor consent to any  departure  by the Company  from any of its
provisions,  shall in any event be effective unless the same shall be in writing
and  signed by the  Escrow  Holder,  and then such  waiver or  consent  shall be
effective only in the specific  instance and for the specific  purpose for which
given.

     7.2. All notices given under this Agreement shall be in writing,  addressed
to the parties as set forth below, and shall be effective on the earliest of (i)
the date received,  or (ii) if given by facsimile  transmittal on the date given
if transmitted before 5:00 p.m. the recipient=s time,  otherwise it is effective
the next day,  or (iii) on the second  business  day after  delivery  to a major
international  air delivery or air courier  service (such as Federal  Express or
Network Couriers):

<TABLE>
<S>                                                    <C>
If to the Lender:                                      If to the Borrower:

Infinity Financial Group, Inc.                         Cuidao Holding Corp.
5320 NW 10th Terrace                                   3201 West Griffin Road, Suite 204
Fort Lauderdale, FL 33309                              Ft.  Lauderdale, FL 33312-6900
Attention: Joseph M.  Vasquez, III, President          Attention: C.  Michael Fisher,  President
Facsimile No.  (954) 938-2119                          Facsimile No. (954) 924-8171

With a copy (that does not                             With a copy (that does not
constitute notice) to:                                 constitute notice) to:

                                                       Mintmire & Associates
                                                       265 Sunrise Avenue, Suite 204
                                                       Palm Beach, FL  33480
                                                       Attn:  Donald F. Mintmire, Esq.
                                                       Facsimile No. (561) 659-5371
</TABLE>

     7.3. No failure or delay on the part of the Escrow Holder in exercising any
right,  power, or remedy hereunder shall operate as a waiver thereof;  nor shall
any single or partial exercise of any such right,  power, or remedy preclude any
other or further exercise thereof or the exercise of any other right,  power, or
remedy hereunder.  The rights and remedies  provided herein are cumulative,  and
are not exclusive of any other rights, powers,  privileges,  or remedies, now or
hereafter existing, at law or in equity or otherwise.

     7.4. This  Agreement  shall be binding upon and inure to the benefit of the
Company and the Escrow  Holder,  and their  respective  successors  and assigns,
except that the Company  may not assign or  transfer  any of its r rights  under
this Agreement without the prior written consent of the Escrow Holder.

                                       69

<PAGE>

     7.5 The Company agrees to pay on demand all costs and expenses  incurred by
the Escrow  Holder in  connection  with the  preparation,  execution,  delivery,
filing,   and   administration   of  this  Agreement,   and  of  any  amendment,
modification,  or supplement hereto, including, without limitation, the fees and
out-of-pocket  expenses of counsel for the Escrow Holder  incurred in connection
with advising the Escrow Holder as to its rights and responsibilities hereunder.
The Company  also  agrees to pay all such costs and  expenses,  including  court
costs,  incurred  in  connection  with  enforcement  of this  Agreement,  or any
amendment,  modification,  or supplement thereto, whether by negotiation,  legal
proceedings,  or otherwise. In addition, the Company shall pay any and all stamp
and other taxes and fees payable or determined to be payable in connection  with
the issuance,  transfer and deliver of any Warrant or Warrant Shares, and agrees
to hold the Escrow Holder harmless from and against any and all liabilities with
respect to or  resulting  from any delay in paying or omission to pay such taxes
and fees. This provision shall survive termination of this Agreement.

     7.6. This Agreement shall be governed by, and construed in accordance with,
the laws of the State of Florida.

     7.7. Any  controversy or claim arising out of or relating to this Agreement
(whether  in  contract  or  tort,  or  both,  or at law or in  equity)  shall be
determined by binding  arbitration at Fprt  Lauderdale,  Florida,  in accordance
with the commercial  arbitration rules of the American Arbitration  Association.
The prevailing party in any arbitration  proceeding shall be awarded  reasonable
attorneys  fees and costs of the  proceeding.  The  arbitration  award  shall be
final,  and may be entered  in any court  having  jurisdiction.  Nothing in this
paragraph  shall  preclude  either party from  applying to a court for temporary
equitable relief, when appropriate, pending and subject to such temporary orders
and permanent  award as the  arbitrator  or  arbitrators  may make.  The parties
hereby consent to the exclusive  jurisdiction  of the courts of Broward  County,
Florida for that purpose.

                                       70

<PAGE>

     IN WITNESS  WHEREOF,  the Company and the Escrow  Holder have executed this
Agreement as of the Effective Date.

The Escrow Holder:                                The  Company:

INFINITY FINANCIAL GROUP, INC.                    CUIDAO HOLDING CORP.

By: /s/ Joseph M. Vazquez, III                    By: /s/ C Michael Fisher
   ----------------------------                      ---------------------------
Name  Joseph M. Vazquez, III                      Name C Michael Fisher
   ----------------------------                      ---------------------------
Title  President                                  Title President
   ----------------------------                      ---------------------------
Date signed   4/5/2000                            Date signed 4/5/2000
   ----------------------------                      ---------------------------

                                       71EXHIBIT 10.14

                       EXCLUSIVE SALES/MARKETING AGREEMENT

AGREEMENT MADE this 18th day of July,  2000 by and between  REU-DOM  INVESTMENTS
AND HOLDINGS,  INC. d/b/a WORLD CLASS BEER IMPORTS  ("WCBI") and CUIDAO IMPORTS,
CUIDAO HOLDING CORPORATION and CUIDAO (USA) IMPORT COMPANY,  INC.  (collectively
referred to as "CUIDAO") as follows:

           WHEREAS WCBI is in the business of  exclusively  importing,  selling,
  marketing and  distributing  imported  beers and similar malt beverages in the
  various states and territories listed on the attached Exhibit "A"; and

          WHEREAS  CUIDAO  is  in  the  business  of  importing,   managing  and
 distributing a portfolio of  international  and regional brands of beer,  wines
 and spirits; and

          WHEREAS  WCBI and  CUIDAO  believe  that  there are  certain  business
 benefits and advantages which would arise from an ongoing  mutually  beneficial
 business relationship between them;

          NOW,  THEREFORE,  in consideration of the covenants and considerations
 contained herein, the parties agree as follows:

1 . CUIDAO  shall serve as the sole and  exclusive  agent for WCBI for the sales
and  marketing  of the brands,  a list of which is attached as Exhibit  "B," for
which  WCB1  has  the  exclusive  authorization  to  represent  in  the  various
jurisdictions in which it has obtained licensing and marketing rights.

       CUIDAO understands and acknowledges that the permits are not transferable
and the use of said licenses/permits are authorized by WCBI only subject to this
Agreement.  It is understood that WBCI will retain all rights  pertaining to the
licenses/permits and CUIDAO acknowledges that no rights are granted to CUIDAO in
the  product  brands,  trademarks  or trade  names  involved  by  virtue of this
agreement.

2.  WCBI  authorizes  CUIDAO  to  service,  sell  and  market  to all of  WCBI's
customers, a list of which is set forth on the attached Exhibit "C."

3. WCBI shall have the right to market and distribute additional brands of beer,
in conjunction  with CUIDAO,  it being the intent of the parties that additional
brand representation shall be acquired by CUIDAO.

4. The term of this Agreement shall be for a period of five (5) years commencing
on the date of the execution of this  Agreement and shall be renewed  thereafter
on the same terms and  conditions  not less than sixty (60) days before the, end
of the initial  term for  successive  three (3) year  periods  until the parties
shall otherwise terminate their relationship.

5. CUIDAO shall have the right to use the name "WORLD CLASS BEER IMPORTS" in its
marketing  and sales efforts in the  representation  of the brands which are the
subject of this agreement.

6. At all times the respective parties shall conduct their affairs and operation
of their  business in strict  compliance  with all applicable  local,  state and
Federal laws, rules and regulations.

                                        1

<PAGE>

7. CUIDAO may also use the name "WORLD CLASS BEER IMPORTS" in  conjunction  with
its internet web site, and any other manner it deems  appropriate to further the
sales of the products and brands.  However, CUIDAO shall not use the name "WORLD
CLASS BEER  IMPORTS" in any manner which is negative,  pejorative or which would
tend to impugn or damage the good will  associated  with the name  "WORLD  CLASS
BEER IMPORTS."

8. WCBI will receive from CUIDAO for the rights and  privileges  granted  herein
the following:

     i. WCBI will retain ownership of the inventory  currently in possession and
on its books. The inventory will remain on the books of WCBI until sold and upon
its sale shall become a receivable due from CUIDAO. The inventory sold by CUDIAO
will be reimburse at the laid in cost that included all federal excise and other
taxes and  transport  and  handling of the total  inventory up to the sum of One
Hundred  Nineteen  Thousand  and  no/100  Dollars  (US$119,000.00)  and the cash
equivalent  of the WCBI trade payable (as  identified  in Exhibit "D").  Payment
will be made by CUIDAO to WCBI immediately upon receipt from customers.

     ii. the balance of the inventory (in excess of US$119,000)  will be sold by
CUIDAO and reimbursement to WCBI,  and/or its assigns,  will be made in the form
of CUIDAO common stock, a publicly  traded  company  trading on the OTC bulletin
board of the NASDAQ stock  exchange under the symbol "CDAO." This inventory will
be reimbursed  at the laid in cost of the  inventory  (as  identified in Exhibit
"D").  The monthly cost of inventory  sold will be  reimbursed  ion common stock
based upon the  average  offer price  during the month the product is sold.  The
stock will be issued  within seven (7) days  following  the close of the monthly
books of record of CUIDAO.

     iii. The interest expense on the loan proceeds supporting the inventory (up
to  US$119,000.00)  will  be  reimbursed  to  WCBI  monthly  until  the  sum  of
US$119,000.00  is paid in full.  After  US$119,000.00 of the inventory sales has
been paid to WCBI by CUIDAO,  if at such time the loan has not been satisfied by
WCBI, CUIDAO's  continuing  obligation to pay interest expense on the loan shall
cease.

     iv. All inventory shall be sold at prevailing market prices, established by
WCBI, without discount or reduction unless agreed by the parties.

9.  CUIDAO  will  assume  responsibility  for the  current  lease of WCBI at the
premises located at 3932 N.E. 5 th Avenue,  Oakland Park, Florida, and will hold
WCBI and its  principals  harmless and  indemnify  them from any claims  arising
subsequent to this agreement under said lease.

10. CUIDAO agrees to satisfy any and all current,  existing accounts payable and
other   obligations  and   commitments  to  existing  WCBI   customers,   and/or
distributors, such as tastings, festivals, special events, etc.

11.  The  value  of the  assets,  exclusive  of  inventory,  of  WCBI  has  been
established at US$31,500.00 for purposes of this agreement.

12. CUIDAO agrees to provide full financial  disclosure of all material  matters
to WCBI upon  request.  CUIDAO  represents  that  there are no  current  adverse
financial considerations which have not been disclosed to WCBI which if known by
WCBI would tend to influence its decision to proceed with this agreement.

13. This Agreement  supersedes all prior  agreements and  constitutes the entire
agreement  between the parties  hereto with regard to the subject matter hereof.
It may not be amended  or  modified  except by an  instrument  executed  by both
parties.

                                        2

<PAGE>

14. Any notice, payment, request, instruction, or other document to be delivered
hereunder  shall be  deemed  sufficiently  given  if in  writing  and  delivered
personally  or  mailed by  certified  mail,  postage  prepaid  addressed  to the
applicable party at the address first set forth above, unless in each case Buyer
or Seller has notified the other in writing of a different address.

15. No delay or failure by either party to exercise any right hereunder,  and no
partial or single exercise of any such right,  shall constitute a waiver of that
or any other right, unless otherwise expressly provided herein.

16. This agreement shall be interpreted and governed by the laws of the state of
Florida;  and venue for any  action  arising  from  this  agreement  shall be in
Broward County, Florida.

17. This  Agreement may be executed in two or more  counterparts,  each of which
shall be deemed an original but all of which together  shall  constitute one and
the same instrument.

18. This Agreement shall be binding upon and inure to the benefit of the parties
hereto and their respective legal representatives, successors, and assigns.

19,  Except as may  otherwise be expressly  provided  herein,  neither party may
assign any right,  obligation,  or liability arising hereunder without the other
party's prior written consent. Any such assignment or attempted assignment shall
be null and void.

20. In the event of  litigation  arising from the terms and  conditions  of this
Agreement,  the  prevailing  party  shall  be  entitled  to  recover  reasonable
attorneys fees from the non-prevailing party at the trial and appellate levels.

21. The signature of a representative  of a party to this agreement  transmitted
by facsimile  shall be enforceable in all respects as the original  signature of
that  representative  and shall  be.binding  upon  that  party to  enforce  this
agreement according to its terms.

22. In the event any provision of this agreement  needs to be modified,  amended
or otherwise  altered in order to obtain compliance with Securities and Exchange
Commission  rules,  regulations  or  guidelines,  the parties agree to make such
modifications, retaining to the greatest extent possible the expressed intent of
the parties as set forth in this agreement.

                IN WITNESS WHEREOF, the parties set forth their respective hands
and seals on the date first above-written.

 REU-DOM INVESTMENTS AND                  CUIDAO IMPORTS, CUIDAO
 HOLDINGS, INC. d/b/a WORLD               HOLDING CORP AND CUIDAO(USA)
 CLASS BEER IMPORTS                       IMPORT COMPANY, INC.

   /s/ Reubin Share                        / s/ C. Michael Fisher, Pres.
---------------------------------         -------------------------------------
By: Reubin Share, President               By: Michael Fisher, President

                                        3

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