Document:

EXHIBIT 10.2

                              EMPLOYMENT AGREEMENT

         This employment agreement ("Agreement") is made and entered into this
1st day of September, 2001 (the "Effective Date"), by and between Quest Group
International, Inc., a Nevada corporation ("Employer"), and Teresa Fackrell
("Employee").

                                    RECITALS

         WHEREAS, Employer and Employee desire that the term of this Agreement
begin on September 1st , 2001 ("Effective Date").

         WHEREAS, Employer desires to employ Employee as its Secretary and
Treasurer and Employee is willing to accept such employment by Employer, on the
terms and subject to the conditions set forth in this Agreement.

                                    AGREEMENT

                                    Section 1
                        SCOPE OF DUTIES AND COMPENSATION

         1.1 Employment by Employer. Subject to the exceptions provided in this
Agreement, Employee agrees to work for Employer full time in the performance of
the duties that Employer may assign Employee from time to time. Employee may not
engage in any business activities or render any services of a business,
commercial, or professional nature, whether or not for compensation, if such
activities or services interfere with the performance of Employee's duties for
Employer or unless Employer has given its consent in writing. It is the policy
of Employer never to allow its personnel to work for any competitive enterprise
during their employment, including after hours, on weekends, or during vacation
time, even if only organizational assistance or limited consultation is
involved.

         1.2 Noninterference With Third-Party Rights. Employer is employing
Employee with the understanding that (1) Employee is free to enter into
employment with Employer and (2) only Employer is entitled to the benefit of
your work. Employer has no interest in using any other person's patents,
copyrights, trade secrets, or trademarks in an unlawful manner. Employee should
be careful not to misapply proprietary rights that Employer has no right to use.

         1.3 Definitions. For the purposes of this Agreement the following terms
shall have the following meanings:

                  a. "Termination For Cause" shall mean termination by Employer
of Employee's employment by Employer by reason of (i) Employee's willful
dishonesty towards, fraud upon, or deliberate injury or attempted injury to the
Employer, (ii) Employee's material breach of this Agreement, (iii) the
commission by Employee of an act that under U.S. law that would constitute a
felony and Employee's conviction thereof, (iv) Employee's failure to honor his
fiduciary duties to the Employer, or (v) the Employee engaging in such other
conduct as would allow termination for cause under applicable law.

                  b. "Disability" shall be deemed to have occurred: (i) if
Employee shall be receiving payments pursuant to a policy of disability income
insurance; or (ii) if Employee shall have no disability income coverage then in
force, then if any insurance company insuring Employee's life shall agree to
waive the premiums due on such policy pursuant to a disability waiver or premium
provision in the contract of life insurance; or (iii) if the reasonable judgment
of the board of directors of the Employer, the Employee has failed to perform
his duties under this Agreement on account of an illness or physical or mental
incapacity and such incapacity continues for a period of more than three months.

         1.4 Initial Term The term of employment of Employee by Employer shall
be for a period of one year beginning with Effective Date ("Initial Term"),
unless terminated earlier pursuant to Section 1.5. This Agreement shall
automatically be renewed for successive one year terms unless either party gives
thirty days advance written notice to the other party of the termination of this
Agreement at the expiration of the then current term.

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         1.5 Termination The Initial Term shall terminate or be terminated (i)
in the event of Employee's Disability, (ii) in the event of Employee's death, or
(iii) by the Employer in the event of Termination for Cause.

         1.6 Duties During the term of this Agreement, Employee agrees to be
employed by and to serve Employer as its Secretary and Treasurer and Employer
agrees to employ and retain Employee in such capacities. Employee shall at all
times during the Initial Term have powers and duties at least commensurate with
his position as Secretary and Treasurer.

         1.7 Salary As payment for the services to be rendered by Employee as
provided in Section 1.6 and subject to the terms and condition of Section 1.5,
Employer agrees to pay to Employee a salary for the twelve (12) calendar months
beginning the Effective Date at the following rates:

                  a. From the date hereof through the five month anniversary
                     of this Agreement, at the rate of $36,000 per annum payable
                     in no fewer than 12 equal monthly installments of $3,000.
                     Beginning January 1, 2002 Employee shall be paid a minimum
                     monthly wage of $5,000 per month. Notwithstanding the
                     foregoing, Employee's monthly wage will be raised to (i)
                     $6,000 beginning immediately following a month wherein the
                     Employer has Net Sales (as defined in Section 1.9a.) of
                     $200,000 and (ii) Employee's monthly wage will be raised to
                     $7,000 beginning immediately following a month wherein the
                     Employer has Net Sales (as defined in Section 1.9a.) of
                     $250,000.

                  b. Notwithstanding Section 1.9a., no override bonus shall be
payable in connection with any monthly period in which (i) the Employer's
average pre-tax monthly income does not exceed $20,000 after the payment of the
override bonus or (ii) the Employer has outstanding loan obligations that are
evidenced by promissory notes that are owing to McKinley Enterprises Inc. Profit
Sharing Plan and Trust, Bateman Dynasty, LC and/or Craig Davis. If Employer's
average pre-tax monthly income would exceed $20,000 after the payment of the
override bonus, but for the override bonus referenced in Section 1.9a. and/or
the payment of the override bonuses (as described in the Employment Agreement
Teresa Fackrell and/or the Revolving Loan and Security Agreement by and between
the Employer and Bateman Dynasty, LC) then the Employee, Bateman Dynasty, LC and
Teresa Fackrell will be entitled to override bonuses on a pro rata basis in the
maximum amount that Employer can pay and still maintain average pre-tax monthly
income of $20,000 during the subject period.

                  c. Notwithstanding the foregoing, the override bonus may not
exceed 100% of Employee's base salary (as set forth in Section 1.7) during any
quarterly period. No amounts will be deferred or accrue to future periods in the
event that this Section 1.9c. reduces the amount of override bonus that would
otherwise be payable pursuant to Section 1.9a.

                  d. Employee may assign all or part of Employee's override
bonus to another employee of the Employer if the assignment is for compensatory
purposes and provided that the board of directors has specifically approved of
the employment arrangements of the assignee (including any salary increases that
may occur from time to time). Any such assignment will not affect the
limitations imposed by Section 1.9c. or other provisions of this Section 1.9.

         1.8 Discretionary Bonuses Employee shall be eligible to receive a
discretionary bonus during the term of this Agreement and any extensions
thereof, with the actual amount of any such bonus to be determined in the sole
discretion of the Employer's board of directors based upon its evaluation of
Employee's performance.

         1.9 Override Bonus Employee shall be entitled to a quarterly override
bonus calculated as follows:

                  a. Subject to Sections 1.9b.-1.9d., the override bonus shall
be equal to .8% of monthly Net Sales. For purposes hereof, the term "Net Sales"
shall mean the Employer's gross sales less returns and charge-backs. These

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payments are to be paid quarterly and each quarterly payment shall be paid
within thirty (30) days after the end of the quarterly period in question. The
quarterly periods shall end on March 31, June 30, September 30 and December 31.

                  b. Notwithstanding Section 1.9a., no override bonus shall be
payable in connection with any monthly period in which (i) the Employer's
average pre-tax monthly income does not exceed $20,000 or (ii) the Employer has
outstanding loan obligations that are evidenced by promissory notes that are
owing to McKinley Enterprises Inc. Profit Sharing Plan and Trust, Bateman
Dynasty, LC and/or Craig Davis. If Employer's average pre-tax monthly income
would exceed $20,000, but for the override bonus referenced in Section 1.9a.
and/or the payment of the override bonuses (as described in the Employment
Agreement Craig Davis and/or the Revolving Loan and Security Agreement by and
between the Employer and Bateman Dynasty, LC) then the Employee, Bateman
Dynasty, LC and Craig Davis will be entitled to override bonuses on a pro rata
basis in the maximum amount that Employer can pay and still maintain average
pre-tax monthly income of $20,000 during the subject period.

                  c. Notwithstanding the foregoing, the override bonus may not
exceed 100% of Employee's base salary (as set forth in Section 1.7) during any
quarterly period. No amounts will be deferred or accrue to future periods in the
event that this Section 1.9c. reduces the amount of override bonus that would
otherwise be payable pursuant to Section 1.9a.

                  d. Employee may assign all or part of Employee's override
bonus to another employee of the Employer if the assignment is for compensatory
purposes and provided that the board of directors has specifically approved of
the employment arrangements of the assignee (including any salary increases that
may occur from time to time). Any such assignment will not affect the
limitations imposed by Section 1.9c. or other provisions of this Section 1.9.

         1.10 Other Benefits During the term of this Agreement, Employee shall
be entitled to the following fringe benefits:

                  a. Employee shall be eligible to participate in such of
Employer's benefits and deferred compensation plans as are now generally
available or later made generally available to executive officers of the
Employer.

                  b. Employee shall be entitled to three weeks of vacation
annually during the term of this Agreement and any extensions thereof, prorated
for partial years. Vacation time may be accrued.

                  c. During the term of this Agreement, Employer shall reimburse
Employee for reasonable and properly documented out-of-pocket business and/or
entertainment expenses incurred by Employee in connection with his duties under
this Agreement.

                                    Section 2
                       OWNERSHIP OF EMPLOYEE DEVELOPMENTS

         2.1 Existing Proprietary Rights. The patents, patent applications,
copyrights, trade secrets, and trademarks identified in Exhibit A are the only
intangible interests and properties that you own, or have any claim in, at the
time of execution of this Agreement.

         2.2 Ownership of Work Product. All copyrights, patents, trade secrets,
or other intellectual property rights associated with any ideas, concepts,
techniques, inventions, processes, or works of authorship developed or created

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by Employee during the course of performing work for Employer shall collectively
be "Work Product". Work Product, however, excludes (i) those items listed in
Section 2.1 hereto, and (ii) ideas, concepts, techniques, inventions, processes,
or works of authorship developed or created by Employee during the term hereof
that do not relate to the business of Employer. Work Product shall belong
exclusively to Employer and shall, to the extent possible, be considered a work
made for hire for Employer within the meaning of Title 17 of the United States
Code. Employee automatically assigns, at the time of creation of the Work
Product, without any requirement of further consideration, any right, title, or
interest it or they may have in such Work Product, including any copyrights or
other intellectual property rights pertaining thereto. Upon request of Employer,
Employee shall take such further actions, and shall cause its personnel to take
such further actions, including execution and delivery of instruments of
conveyance, as may be appropriate to give full and proper effect to such
assignment.

                                    Section 3
                                 CONFIDENTIALITY

         3.1 Trade Secrets Defined. For purposes of this Agreement, a "Trade
Secret" is any information, including, but not limited to, technical or
nontechnical data, formulas, patterns, compilations, programs, devices, methods,
techniques, drawings, processes, financial data, financial plans, product plans,
or lists of actual or potential customers or suppliers that: (1) derive economic
value, actual or potential, from not being generally known to, and not being
readily ascertainable by proper means by, other persons who can obtain economic
value from their disclosure or use; and (2) are the subject of efforts that are
reasonable under the circumstances to maintain their secrecy.

         3.2 Restrictions on Use and Disclosure of Trade Secrets. Employee
agrees not to use or disclose any Trade Secrets of Employer during Employee's
employment and for so long afterwards as the pertinent information or data
remain Trade Secrets, regardless of whether the Trade Secrets are in written or
tangible form, except as required to perform any duties for Employer.

         3.3 Screening of Public Releases of Information. In addition, and
without any intention of limiting Employee's other obligations under this
Agreement in any way, Employee should not, during Employee's employment, reveal
any nonpublic information concerning the technology pertaining to the
proprietary products and manufacturing processes of Employer (particularly
products under current development or improvement), unless Employee has obtained
approval from Employer in advance. In that connection, Employee should submit to
Employer for review any proposed scientific and technical articles and the text
of any public speeches relating to work done for Employer before they are
released or delivered. Employer has the right to disapprove and prohibit, or
delete any parts of, such articles or speeches that might disclose Employer's
Trade Secrets or other confidential information or otherwise be contrary to
Employer's business interests.

                                    Section 4
                               RETURN OF MATERIALS

         Upon the request of Employer and, in any event, upon the termination of
Employee's employment, Employee must return to Employer and leave at its
disposal all memoranda, notes, records, drawings, manuals, computer programs,
documentation, diskettes, computer tapes, and other documents or media
pertaining to the business of Employer or Employee's specific duties for
Employer, including all copies of such materials. Employee must also return to
Employer and leave at its disposal all materials involving any Trade Secrets of
Employer. This Section 4 is intended to apply to all materials made or compiled
by Employee, as well as to all materials furnished to Employee by anyone else in
connection with Employee's employment.

                                    Section 5
                PARTIAL RESTRAINT ON POST-TERMINATION COMPETITION

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         5.1 Factual Background. Employer expects to invest considerable time,
effort, and capital in enhancing the value and desirability of the skills of its
personnel. Both this investment and your individual compensation reflect
Employer's expectation of receiving a considerable return from the exclusive use
of Employee's services and know-how in the future, free from any danger that
Employer's competitors may attempt to induce Employee to leave Employer and
wrongfully gain the benefit of Employer's investment. The partial restraint set
forth in Section 5.2 hereof does not, and cannot, provide complete protection
for Employer's investment, development efforts, product strategy, and
proprietary information, but Employer believes that in combination with the
other provisions of this Agreement, it is the most fair and reasonable measure
permitted under applicable law to protect Employer's interests, giving due
regard to both Employee's interests and the interests of Employer.

         5.2 Covenant Not to Compete. Employer requires its technical personnel
to accept and observe the following partial restraint on post-termination
competition, which you agree to honor:

         FOR A PERIOD OF UP TO SIX MONTHS FOLLOWING THE TERMINATION OF
         EMPLOYEE'S EMPLOYMENT, EMPLOYER SHALL HAVE THE RIGHT TO PAY EMPLOYEE
         $7,000 PER MONTH IN WHICH EVENT YOU MAY NOT COMPETE WITH EMPLOYER BY
         ENGAGING IN THE NUTRITIONAL PRODUCTS BUSINESS OR SUCH OTHER BUSINESSES
         THAT EMPLOYER IS ENGAGED IN DURING EMPLOYEE'S EMPLOYMENT WITH EMPLOYER.
         IN ADDITION, DURING SAID PERIOD EMPLOYEE AGREES NOT TO INDUCE, ENTICE,
         HIRE OR ATTEMPT TO HIRE OR EMPLOY ANY EMPLOYEE OF THE EMPLOYER.

         5.3 Post Termination Employment. Employee acknowledges that (i) in the
event this Agreement terminates for any reason, Employee will be able to earn a
livelihood without violating the above restrictions; and (ii) that Employee's
ability to earn a livelihood without violating such restrictions is a material
condition to employment with Employer.

         5.4 Injunctive Relief. Employee further acknowledges (i) that
compliance with Section 5.2 above is necessary to protect the business and
goodwill of Employer; and (ii) that a breach of those sections will irreparably
and continually damage Employer for which money damages may not be adequate.

                  a. Consequently, Employee agrees that, in event of a breach or
a threat to breach any of these covenants, Employer shall be entitled to both
(i) a preliminary or permanent injunction in order to prevent the continuation
of such harm and (ii) money damages insofar as they can be determined. Nothing
in this Agreement, however, shall be construed to prohibit Employer from also
pursuing any other remedy, the parties having agreed that all remedies shall be
cumulative.

                  b. Without limiting the foregoing, as such money damages for
the period of time during which Employee violates these covenants, Employer
shall be entitled to recover the amount of fees, compensation or other
remuneration earned by Employee from any such breach.

         5.5 Scope of Restraint Post-Termination Competition. The parties have
attempted to limit Employee's right to compete only to the extent necessary to
protect Employer from unfair competition. The parties recognize, however, that
reasonable people may differ in making such a determination. Consequently, the
parties hereby agree that if the scope or enforceability of the restrictive
covenant is in anyway disputed at any time, a court or trier fact may modify and
enforce the covenant to the extent it believes to be reasonable under the
circumstances existing at the time.

         5.6 Conditions Precedent. The provisions of Sections 5.2-5.5 shall not
be operative in the event that, on the date of termination, Employee's monthly
salary was less than $7,000 or in the event that Employer ceases to conduct
business.

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                                    Section 6
                                 IMPLEMENTATION

         6.1 Severability. The covenants in this Agreement shall be construed as
covenants independent of one another and as obligations distinct from any other
contract between you and Employer. Any claim that you may have against Employer
shall not constitute a defense to enforcement by Employer of this Agreement.

         6.2 Survival of Obligations. The covenants in Sections 2 through 6 of
this Agreement shall survive termination of your employment, regardless of who
causes the termination and under what circumstances.

         6.3 Specific Performance and Consent to Injunctive Relief. Irreparable
harm should be presumed if you breach any covenant in this Agreement. The
faithful observance of all covenants in this Agreement is an essential condition
to your employment, and Employer is depending upon absolute compliance. Damages
would probably be very difficult to ascertain if Employee breached any covenant
in this Agreement. This Agreement is intended to protect the proprietary rights
of Employer in many important ways. Even the threat of any misuse of the
technology of Employer would be extremely harmful, since that technology is
essential to the business of Employer. In light of these facts, Employee agrees
that any court of competent jurisdiction should immediately enjoin any breach of
this Agreement upon the request of Employer, and Employee specifically releases
Employer from the requirement of posting any bond in connection with temporary
or interlocutory injunctive relief, to the extent permitted by law.

         6.4 Notices. All notices required under this Agreement shall be made in
writing and shall be deemed given when (1) delivered in person, (2) deposited in
the U.S. mail, first class, with proper postage prepaid and properly addressed,
or (3) sent through the interoffice delivery service of Employer, if Employee is
still employed by Employer at the time.

         6.5 Related Parties. This Agreement shall inure to the benefit of, and
be binding upon, Employer and its subsidiaries and its affiliates, together with
their successors and assigns, and Employee, together with Employee's executor,
administrator, personal representative, heirs, and legatees.

         6.6 Merger. This Agreement merges and supersedes all prior and
contemporaneous agreements, undertakings, covenants, or conditions, whether oral
or written, express or implied, to the extent that they contradict or conflict
with the terms and conditions hereof. This Agreement is not intended to modify
or impair the effectiveness of the general rules and policies Employer may
announce from time to time, such as Employer's Statement of Policy Relating to
Conflicts of Interest and Business Ethics, a copy of which you should already
have received and signed.

         6.7 Choice of Law. This Agreement shall be governed by and enforced
under the laws of the State of Utah.

         IN WITNESS WHEREOF, the undersigned have caused this Agreement to be
duly executed to be effective on the date first written above.

QUEST GROUP INTERNATIONAL, INC.                        EMPLOYEE

By:   /s/ Craig Davis                                  /s/ Teresa Fackrell
   --------------------------                        -------------------------
Its: President

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                                    EXHIBIT A

      (Patents, Patent Applications, Copyrights, Trade Secrets, Trademarks
                and Other Intangible Interests Held by Employee)EXHIBIT 10.3

                      REVOLVING LOAN AND SECURITY AGREEMENT

         This Revolving Loan and Security Agreement ("Agreement") is entered
into this date by and between Craig Davis, a resident of Utah County, Utah
("Lender") and Quest Group International, Inc., a Nevada corporation
("Borrower").

         WHEREAS, the Lender is a stockholder and affiliate of the Borrower and
both the Lender and the Borrower believe that it is in their mutual interest to
enter into this Agreement.

NOW, THEREFORE, IT IS AGREED AS FOLLOWS:

Section 1. Periodic Loans. During the term hereof, Lender hereby agrees to make
periodic loans (collectively and individually, the "Loans") to the Borrower in
an aggregate principal amount at any one time outstanding not to exceed ONE
HUNDRED THOUSAND DOLLARS ($100,000) ("Maximum Amount"). Beginning on November 1,
2001 and ending on April 30, 2002, unless terminated earlier pursuant to the
default provisions of this Agreement, from time to time Borrower may notify the
Lender of its need to borrow funds pursuant to this Agreement. Within five
business days of receipt of such notice from the Borrower seeking to borrow
funds, the Lender shall forward such funds to the Borrower up to, but not in
excess of, the Maximum Amount. All amounts lent hereunder shall be evidenced by
ten percent (10%) promissory notes in substantially the same form as attached
hereto as Exhibit "A" (the "Notes"). Borrower shall deliver to Lender Notes in
the principal amount of funds lent on each date that Lender provides funds to
Borrower hereunder.

Section 2. Finance Charges and Other Consideration. All principal and interest
then outstanding shall bear interest at the rate of ten percent (10%) per annum.
Lender shall also receive 1,000,000 restricted shares of the Company's common
stock (the "Stock") as additional consideration for the Loans. The Stock will be
returned by Lender to the Borrower for cancellation if Borrower attempts to draw
funds in compliance with the terms and conditions hereof and the Lender is
unable or refuses to fund the amounts requested. Until the earlier of April 30,
2001 or the date the Maximum Amount is leant by Lender to Borrower hereunder,
Lender agrees not to make any disposition of all or any portion of the Stock and
Borrower, in its discretion, may place a legend on the Stock noting this
restriction.

Section 3. Payments.

         3.1 All principal and interest outstanding shall be due and payable by
the Borrower to the Lender in a single balloon payment on September 18, 2002.
Notwithstanding the foregoing, if not more than $50,000 in principal is owing on
September 18, 2002 then all principal and interest outstanding on September 18,
2002 shall be due and payable by the Borrower to the Lender in a single balloon
payment on September 18, 2003. The Borrower may, from time to time, in the
Borrower's discretion, make one or more periodic payments to the Lender. Such
payments shall be credited to the Borrower's account on the date that such
payment is physically received by the Lender. Such payments shall be applied
first to the interest outstanding, and then to the principal outstanding.

         3.2 Notwithstanding the foregoing, the Borrower hereby covenants and
agrees that Loans made by Lender, loans in the principal amount of up to $50,000
made by Bateman Dynasty, LC to Borrower and loans in the principal amount of up
to $50,000 made by McKinley Enterprises Inc. Profit Sharing Plan and Trust to
Borrower shall be repaid prorata based on the outstanding principal amount of
each of the referenced loans. For example, if Lender had lent $100,000 and each
of the other referenced parties had lent $50,000 to Borrower and Borrower was
repaying an aggregate of $100,000, then Lender would receive $50,000 and each of
the other parties would receive a $25,000 payment to be applied against the
amounts owing on such loans.

Section 4. Conditions Precedent. The obligation of Lender to disburse all or any
part of the Loan under this Agreement is subject to the satisfaction, on or
before each date funds are lent hereunder, of all the conditions set out below
in this Section 4. Lender may waive any or all of these conditions in whole or
in part without prior notice; provided, however, that no such waiver of a
condition shall constitute a waiver by Lender of any of its other rights or
remedies, at law or in equity, if Borrower shall be in default of any of its
representations, warranties, or covenants under this Agreement.

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         4.1 From the date hereof to the date of each disbursement, there shall
not have been any material adverse change in the financial condition or the
results of operations of Borrower, and Borrower shall not have sustained any
material loss or damage to its assets, whether or not insured, that materially
affects its ability to conduct a material part of its business.

         4.2 No action, suit, or proceeding before any court or any governmental
body or authority pertaining to the transaction contemplated by this Agreement
or to its consummation, shall have been instituted or threatened on or before
the date of disbursement.

         4.3 The execution and delivery and performance of this Agreement and
any note or other instrument or agreement required under this Agreement by
Borrower shall have been duly authorized by all necessary corporate action, and
Lender shall have received copies of all resolutions pertaining to that
authorization, certified by the secretary of Borrower as being in full force and
effect on the date of first disbursement.

         4.4 No periodic loans may be drawn hereunder until and unless loans in
the principal amount of $50,000 have been made by Bateman Dynasty, LC and
McKinley Enterprises Inc. Profit Sharing Plan and Trust to Borrower.

Section 5. Grant of Security Interest.

         5.1 For the purpose of securing the payment of the Notes, and the
payment and performance of all obligations and covenants contained in the Notes,
in this Agreement, or in any other instrument securing the Notes or relating to
the obligations of the Borrower thereunder (hereinafter referred to as the
"Indebtedness"), Borrower hereby grants and conveys to Lender a security
interest in the following described property of Borrower (individually and
collectively, the "Collateral"), whether now owned or hereafter acquired:

                  A. All goods, machinery, equipment, inventory and all other
         tangible personal property of any nature whatsoever, wherever located,
         including raw materials, work in process, finished parts and products,
         supplies, spare parts, replacement parts, merchandise for resale,
         computers, tapes, disks and computer equipment;

                  B. All rights to receive the payment of money, including
         accounts and receivables, rights to receive the payment of money under
         contracts, franchises, licenses, permits, subscriptions or other
         agreements (whether or not earned by performance), and rights to
         receive payments from any other source;

                  C. All of the following: (i) contracts, franchises, licenses,
         permits, subscriptions and other agreements and all rights thereunder;
         (ii) rights granted by others which permit the Borrower to sell or
         market items of personal property; (iii) United States and foreign
         common law and statutory copyrights and rights in literary property and
         rights and licenses thereunder; (iv) trade names, United States and
         foreign trademarks, service marks, Internet domain names, registrations
         of any of the foregoing and related good will; (v) United States and
         foreign patents and patent applications; (vi) computer software,
         designs, models, know-how, trade secrets, rights in proprietary
         information, formulas, customer lists, backlog, orders, subscriptions,
         royalties, catalogues, sales material, documents, good will, inventions
         and processes; (vii) judgments, causes in action and claims, whether or
         not inchoate, and (viii) all other general intangibles and intangible
         property and all rights thereunder;

                  D. All of the following: (i) all shares of capital stock or
         other evidence of beneficial interest in any corporation, business
         trust or limited liability company; (ii) all limited partnership
         interests in any limited partnership; (iii) all general partnership
         interests in any general or limited partnership; (iv) all joint venture
         interests in any joint venture; and (v) all options, warrants and
         similar rights to acquire such capital stock or such interests;

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<PAGE>

                  E. All rights to receive profits or surplus of, or other
         distributions (including income, return of capital and liquidating
         distributions) from, any partnership, joint venture or limited
         liability company, including any distributions by any such Person to
         partners, joint venturers or members;

                  F. All debt from time to time owing to the Borrower from any
         person, organization or entity;

                  G. All chattel paper, non-negotiable instruments, negotiable
         instruments, documents and investment property;

                  H. All leases of personal property, whether the Borrower is
         the lessor or the lessee thereunder;

                  I. All general or special deposit accounts, including any
         demand, time, savings, passbook or similar account maintained by the
         Borrower with any bank, trust company, savings and loan association,
         credit union or similar organization, and all money, cash and cash
         equivalents of the Borrower, whether or not deposited in any such
         deposit account;

                  J. All collateral granted by third parties to, or held by, the
         Borrower with respect to the accounts, pledged securities, chattel
         paper, instruments, leases and other items of collateral;

                  K. All books and records, including books of account and
         ledgers of every kind and nature, all electronically recorded data
         (including all computer programs, disks, tapes, electronic data
         processing media and software used in connection with maintaining the
         Borrower's books and records), all files, correspondence and all
         containers for the foregoing;

                  L. All insurance policies which insure against any loss or
         damage to any other Collateral or which are otherwise owned by the
         Borrower;

                  M. All other property, assets and items of value of every kind
         and nature, tangible or intangible, absolute or contingent, legal or
         equitable; and

                  N. All proceeds, including insurance proceeds, and products of
         the items of collateral described or referred to in Sections 5A. and
         5N. and, to the extent not included in the foregoing, all distributions
         with respect to the securities included as part of the Collateral.

         5.2 Notwithstanding Sections 5.1A. through 5.1N., the Collateral shall
not include:

                  A. Any contract, license, permit or franchise that validly
         prohibits the assignment by the Borrower of rights under, or the
         creation by the Borrower of a security interest in, such contract,
         license, permit or franchise (or in any rights or property obtained by
         the Borrower under such contract, license, permit or franchise);
         provided, however, that the provisions of this Section 5.2 shall not
         prohibit the security interests created by this Agreement from
         extending to the proceeds of such contract, license, permit or
         franchise (or such rights or property) or to the monetary value of the
         good will and other general intangibles of the Borrower relating
         thereto; or

                  B. any rights or property to the extent that any valid and
         enforceable law or regulation applicable to such rights or property
         prohibits the creation of a security interest therein; provided,
         however, that the provisions of this Section 5.2 shall not prohibit the
         security interests created by this Agreement from extending to the
         proceeds of such rights or property or to the monetary value of the
         good will and other general intangibles of the Borrower relating
         thereto.

         5.3 All Collateral shall be free and clear of any liens and
restrictions on the transfer thereof, including, without limitation, contractual
provisions which prohibit the assignment of rights under contracts, except for

                                       3
<PAGE>

(a) nonconsensual liens imposed by law, (b) liens and restrictions on transfer
approved in writing by Borrower, (c) the senior security interest of Bateman
Dynasty, LC in the Collateral and (d) the senior security interest of McKinley
Enterprises Inc. Profit Sharing Plan and Trust in the Collateral.

         5.4 The rights of the Lender to repayment of principal and interest,
and in any security interest granted hereunder, shall be subordinated to:

                  A. the principal, accrued and unpaid interest and other
         amounts owing on (i) any secured indebtedness of the Borrower for
         obligations owing to either Bateman Dynasty, LC and McKinley
         Enterprises Inc. Profit Sharing Plan and Trust and/or their assigns;
         and

                  B. modifications, renewals, extensions, and refundings of any
         such indebtedness, liabilities, or obligations; unless, in the
         instrument creating or evidencing the same or pursuant to which the
         same is outstanding, it is provided that such indebtedness,
         liabilities, or obligations or such modification, renewal, extension,
         or refunding thereof, or the obligations of the Borrower pursuant to
         such a guarantee, are not superior in right of payment to this
         Agreement.

Section 6. Debtor's Covenants.

         6.1 The Borrower will not dispose of, transfer, or conceal any of the
Collateral, excepting only transfers in the ordinary course of business.

         6.2 The Borrower shall pay when due any and all taxes assessed on the
Collateral.

Section 7. Default Provisions. The occurrence of one or more of the following
events shall constitute an event of default:

                  A. If the Borrower fails to pay any sum when due under one or
more of the Notes, or any other event of default occurs with respect to the
Indebtedness.

                  B. Failure of the Borrower to comply with or perform any of
the terms, covenant, and conditions of this Agreement.

                  C. If any levy, attachment, garnishment, lien, execution or
other process is issued against or otherwise attaches to the Collateral (other
than any liens that may attach in favor of Bateman Dynasty, LC and/or McKinley
Enterprises Inc. Profit Sharing Plan and Trust in connection with funds lent to
the Borrower), whether for taxes or any other debt or claim and whether or not
any such attachment or other process is issued before or after entry of
judgment.

                  D. If the Borrower ceases conducting business, dissolves,
terminates its existence, becomes insolvent, files a voluntary petition for
bankruptcy, has filed against it an involuntary petition in bankruptcy that is
not dismissed within sixty (60) days of the filing date, or is the subject of an
assignment for the benefit of creditors.

                  E. If any representation by the Borrower, then, in connection
with this Agreement, the Notes, or any other related instrument, whether made
before or after execution of this Agreement, was false in any material respect
when made.

Section 8. Remedies. Upon default, the Lender shall have the following rights,
in addition to any other rights afforded by law:

                  A. The Borrower agrees that notice of any disposition of or
use of the Collateral shall be deemed commercially reasonable and to have been
given to and received by the Borrower if transmitted by certified mail, return
receipt requested, at least fourteen (14) days prior to the proposed disposition

                                       4
<PAGE>

or use. The Borrower further agrees that any public sale of the Collateral, or
any portion thereof, may be postponed by the Lender (or its agent) for a period
of not to exceed seven days, by announcement at the time and place of the sale,
without need to re-notice or advertise. Notwithstanding the foregoing, the
Lender shall not be required to dispose of the Collateral or any portion thereof
by public auction.

                  B. Lender shall be entitled to notify any account debtor, any
obligor on an instrument, and any other person in custody or control of any of
the Collateral (including all banks and financial institutions holding funds of
the Borrower), to make payments on and/or to deliver the Collateral to Lender or
its Agent.

Section 9. Acceleration. At the option of the Lender, and without demand or
notice, all principal and any unpaid interest shall become immediately due and
payable upon a default as set forth in Section 8 above.

Section 10. Miscellaneous.

         10.1 The Borrower shall pay to the Lender, on demand, any and all
expenses, including attorney's fees, incurred or paid by Lender in protecting or
enforcing its rights upon or under the Notes or the Collateral, and such
expenses are secured hereunder. If the Borrower shall default in the performance
of any of the provisions of this Agreement, Lender may cure the default for the
Borrower's account, and any monies expended in doing so shall be paid on demand,
together with interest from the date expended at twelve percent (12%) per annum.

         10.2 The Borrower agrees to execute and deliver such financing
statements, certificates of title or other evidence of title or ownership, and
other instruments as Lender may reasonably request in order to perfect or
protect the security interest granted hereunder. A copy of this Agreement may be
filed as a financing statement.

         10.3 This Agreement constitutes the entire agreement between the
parties pertaining to the subject matter contained in this Agreement. All prior
and contemporaneous agreements, representations and understandings of the
parties, oral or written, are superseded by and merged in this Agreement. No
supplement, modification or amendment of this Agreement shall be binding unless
in writing and executed by the Borrower and the Lender.

         10.4 The provisions of this Agreement shall be binding upon the
Borrower, its legal representatives, successors or assigns, and shall be for the
benefit of the Lender and its respective successors and assigns.

         10.5 The headings of this Agreement are for purposes of reference only
and shall not limit or define the meaning of any provision of this Agreement.
This Agreement may be executed in any number of counterparts, each of which
shall be an original but all of which shall constitute one and the same
instrument.

         10.6 If any action is brought by either party in respect to its rights
under this Agreement, or to obtain an interpretation thereof, the prevailing
party shall be entitled to reasonable attorneys' fees and court costs as
determined by the court.

         10.7 No waiver of any of the provisions of this Agreement shall
constitute a waiver of any other provision, whether or not similar, nor shall
any waiver be a continuing waiver. Except as expressly provided in this
Agreement, no waiver shall be binding unless executed in writing by the party
making the waiver. Either party may waive any provision of this Agreement
intended for its benefit; provided, however, such waiver shall in no way excuse
the other party from the performance of any of its other obligations under this
Agreement.

         10.8 This Agreement shall be governed by the laws of the State of Utah.
Any legal action to enforce or obtain an interpretation of this Agreement may be
filed in the Fourth Judicial District Court of Utah County, or the Third
Judicial District Court of Salt Lake County, and the parties consent to the
exercise of personal over them by said courts.

Section 11. Notices; Addresses. Any notices required or permitted hereunder
shall be in writing and shall be given by personal delivery; by deposit in the
United States mail, certified mail, return receipt requested, postage prepaid;

                                       5
<PAGE>

or by established express delivery service, freight prepaid. Notices shall be
delivered, addressed, or transmitted to the parties at the following addresses,
which may be changed by a notice given to the other party in accordance with
this Section. The date notice is deemed to have been given, received and become
effective shall be the date on which the notice is delivered, if notice is given
by personal delivery, two (2) days following the date of deposit in the mail, if
the notice is sent through the United States mail, or the date of actual
receipt, if the notice is sent by express delivery service.

                  The Borrower's address is:

                  Quest Group International, Inc.
                  Attn. President
                  PO Box 1232
                  Spanish Fork, UT  84660
                  Telephone:        801-794-2653
                  Fax:              801-798-7692

                  The Lender's address, and the address from which information
respecting this security interest may be requested, is:

                  Craig Davis
                  PO Box 1232
                  Spanish Fork, UT  84660
                  Telephone:        801-__________
                  Fax:              801-__________

         IN WITNESS WHEREOF, the undersigned have executed this Agreement to be
effective as of the 25th day of October, 2001.

"BORROWER"                                                   "LENDER"
QUEST GROUP INTERNATIONAL, INC.,                             CRAIG DAVIS
a Nevada corporation
Federal Empl. ID No.  87-0681500

By   /s/ Craig Davis                                           /s/ Craig Davis
   -----------------------                                  --------------------
Its: President

                                       6
<PAGE>

                                    EXHIBIT A

                        QUEST GROUP INTERNATIONAL, INC.,
                              a Nevada corporation

                           10% SECURED PROMISSORY NOTE

No. ________                                                   $____________ USD

THIS PROMISSORY NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933
(THE "SECURITIES ACT"), OR UNDER ANY OTHER APPLICABLE STATE SECURITIES LAWS.
THIS PROMISSORY NOTE MAY NOT BE SOLD, PLEDGED, TRANSFERRED OR ASSIGNED EXCEPT
PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT AND
UNDER APPLICABLE STATE SECURITIES LAWS, OR IN A TRANSACTION WHICH IS EXEMPT FROM
REGISTRATION UNDER THE PROVISIONS OF THE SECURITIES ACT AND UNDER PROVISIONS OF
APPLICABLE STATE SECURITIES LAWS.

         1. Promise to Pay. Quest Group International, Inc., a Nevada
corporation ("Corporation"), for value received, hereby promises to pay to
_____________________, ("Holder"), the principal sum of ____________________
Dollars ($____________), with interest at the rate of ten percent (10%) per
annum until this Note has been paid in full.

         2. Payments. All principal and interest outstanding shall be due and
payable by the Corporation to the Holder in a single balloon payment on
September 18, 2002. Notwithstanding the foregoing, if not more than $50,000 in
principal is owing on September 18, 2002 then all principal and interest
outstanding on September 18, 2002 shall be due and payable by the Corporation to
the Holder in a single balloon payment on September 18, 2003. The Corporation
may, from time to time, in the Corporation's discretion, make one or more
periodic payments to the Holder. Such payments shall be credited to the
Corporation's account on the date that such payment is physically received by
the Holder. Such payments shall be applied first to the interest outstanding,
and then to the principal outstanding. Payments shall be made in lawful money of
the United States of America to Holder at the address provided to the
Corporation by the Holder, as appears on this instrument below or at such other
addresses as sent by Holder to the Corporation.

         3. Default. The occurrence of one or more of the following events shall
constitute an event of default:

                  3.1 The nonpayment of the principal and/or interest of this
Note when the same shall have become due and payable.

                  3.2 Filing by the Corporation of a petition in bankruptcy or
seeking reorganization, arrangement, adjustment, or composition of or in respect
of the Corporation's debts, whether under the United States Bankruptcy Code or
any other applicable federal or state law; entry of an order for relief under
the United States Bankruptcy Code, whether pursuant to a voluntary or
involuntary petition; the filing of an involuntary petition seeking adjudication
of the Corporation as a debtor under the United States Bankruptcy Code or
similar federal law, if said petition is not dismissed within sixty (60) days;
entry of a decree or order appointing a receiver, liquidator, assignee, or
trustee of the Corporation, or any substantial part if its property, or ordering
the winding up or liquidation of its affairs, and the continuance of any such
decree or order unstayed and in effect for a period of sixty (60) days; or the
making by it of an assignment for the benefit of creditors, or the admission by
it in writing of its inability to pay its debts generally as they become due, or
the taking of corporate action by the Corporation in furtherance of any such
action.

                  3.3 Default by the Corporation under the Revolving Loan and
Security Agreement, which default is not cured within ten (10) days of written
notice thereof (or within such longer cure period as allowed by the Revolving
Loan and Security Agreement).

<PAGE>

         4. Acceleration. At the option of the Holder, and without demand or
notice, all principal and any unpaid interest shall become immediately due and
payable upon a default as set forth in Section 3 above.

         5. Restrictions on Transfer. This Note has not been registered under
the Securities Act of 1933. This Note, or any right hereunder, may not be
enforced against the Corporation by any Holder, except the original Holder
herein, and the Corporation shall not be obligated to recognize any purported
transferee or assignee, (i) unless there is an effective registration covering
the Note or underlying right under the Securities Act of 1933 and applicable
state securities laws, (ii) unless the Corporation receives an opinion of an
attorney, licensed to practice within the United States, that the transfer of
the Note, or any underlying right, complies with the requirements of the
Securities Act of 1933 and any relevant state securities law, or (iii) unless
the transfer is made pursuant to Rule 144 under the Securities Act of 1933. Any
permitted transferee or assignee shall be subject to the restrictions and to the
terms of this Note and the Revolving Loan and Security Agreement, and the
Corporation may require said transferee or assignee to execute and deliver such
further instruments evidencing or acknowledging the same.

         6. Rights of the Holder. The Holder shall not, by virtue hereof, be
entitled to any rights of a shareholder in the Corporation.

         7. Notices. Any notices required or permitted hereunder shall be in
writing and shall be given by personal delivery; by deposit in the United States
mail, certified mail, return receipt requested, postage prepaid; or by
established express delivery service, freight prepaid. Notices shall be
delivered, addressed, or transmitted to the Corporation and to Holder at the
following addresses, which may be changed by a notice given to the other party
in accordance with this Section. The date notice is deemed to have been given,
received and become effective shall be the date on which the notice is
delivered, if notice is given by personal delivery, two (2) days following the
date of deposit in the mail, if the notice is sent through the United States
mail, or the date of actual receipt, if the notice is sent by express delivery
service.

                  The Corporation's address is:

                  Quest Group International, Inc.
                  Attn. President
                  PO Box 1232
                  Spanish Fork, UT  84660
                  Telephone:        801-__________
                  Fax:              801-__________

                  The Holder's address, and the address from which information
respecting this security interest may be requested, is:

                  Craig Davis
                  PO Box 1232
                  Spanish Fork, UT  84660
                  Telephone:        801-__________
                  Fax:              801-__________

         8. Miscellaneous.

         8.1 This Note is one of a series of 10% Secured Promissory Notes (the
"Notes") issued by the Corporation, which Notes total an aggregate amount of not

                                       2
<PAGE>

more than One Hundred Thousand Dollars (U.S.) ($100,000 USD). The obligations of
the Corporation under the Notes are secured by a Revolving Loan Agreement, and
the rights and duties of the Corporation and Holder are subject to the terms of
the Revolving Loan and Security Agreement.

         8.2 The headings of this Note are for purposes of reference only and
shall not limit or define the meaning of any provision of this Note.

         8.3 If suit or action is instituted in connection with any controversy
arising out of this Note, or in the enforcement of any rights hereunder, the
prevailing party shall be entitled to recover in addition to costs such sums as
the court may adjudge as reasonable attorney's fees, including attorney's fees
incurred in any appeal.

         8.4 This Note shall be governed by the laws of the State of Utah. Any
legal action to enforce or obtain an interpretation of this Note may be filed in
the Fourth Judicial District Court of Utah County, or the Third Judicial
District Court of Salt Lake County, and the parties consent to the exercise of
personal over them by said courts.

         8.5 In computing any period of time pursuant to this Note, the day of
the act, event or default from which the designated period of time begins to run
shall be included, unless it is a Saturday, Sunday, or a legal holiday, in which
event the period shall begin to run on the next day which is not a Saturday,
Sunday, or legal holiday, in which event the period shall run until the end of
the next day thereafter which is not a Saturday, Sunday, or legal holiday.

         8.6 Nothing herein shall be construed to be to the benefit of any third
party, nor is it intended that any provision shall be for the benefit of any
third party.

         IN WITNESS WHEREOF, this Note is executed by Quest Group International,
Inc., to be effective as of the _____ day of _______________, 200__.

                                                QUEST GROUP INTERNATIONAL, INC.,
                                                a Nevada corporation

                                                By____________________________
                                                   Its President

STATE OF UTAH              )
                           ss:
COUNTY OF UTAH             )

         On this ____ day of ______________, 200__, before me appeared
____________, to me personally known, who being duly sworn did say that he/she
is the President of Quest Group International, Inc., the within named
corporation, and that the instrument was signed in behalf of said corporation
and acknowledged the instrument to be the free act and deed of the corporation.

                                             ___________________________________
                                             NOTARY PUBLIC
My Commission Expires:                       Residing at: ______________________

____________________________

                                        3

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