Document:

RESALE AGREEMENT

This Agreement ("Agreement") is by and between PC Universe ("PC Universe"), with
its principal place of business at 2302 North Dixie Highway, Boca Raton, Florida
33431 and Ingram Micro Inc.  ("Ingram Micro")  including its division,  Ingram
Alliance ("Ingram Alliance"),  with their principal place of business at 1600 E.
St. Andrew Place,  Santa Ana,  California 92705. The term "Ingram" will be used
to describe both Ingram Micro and Ingram  Alliance  unless a term or condition
differs  between  the  two,  in  which  case  the  specific  name  will  be used
accordingly. This Agreement will include PC Universe's domestic locations only.

1.   Purpose

     The purpose of this  Agreement is to provide the terms and  conditions  for
the purchase and resale by PC Universe and the sale by Ingrain to PC Universe of
various  computer  products  including  both hardware and software  ("Product").

2.   Terms of Sale

     A. All  Product  sales  will be subject  to  Ingrain  Micro's  then-current
standard  Sales Terms and  Conditions  published  in its  Comprehensive  Catalog
("Catalog") at the time of purchase.  Should Ingrain Micro's Catalog  provisions
conflict with this Agreement, the provisions of this Agreement will prevail.

     B. All  Ingrain  Alliance  Product  sales  are  subject  to the  terms  and
conditions shown in the Ingrain Alliance Reseller  Agreement (Exhibit A). Should
the provisions in Exhibit A conflict with this Agreement, the provisions of this
Agreement will prevail.

     C. If authorization for resale is required by the publisher or manufacturer
of any  Product,  then  Ingrain will not be obligated to sell such Product to PC
Universe unless Ingrain has received such required authorization.

3.   Ordering

     A. PC Universe will compile, update, and provide Ingrain with Product order
information.  The  Product  order  information  will  include  the:  (i) Product
type(s),  (ii) unit quantity,  (iii) Ingrain SKU number and or Manufacturer Part
Number,  (iv) PC Universe price, and (v) correct shipping  address.  PC Universe
personnel will  identify,  for each Product  order,  the ship-to  destination as
either PC Universe,  PC Univef ne's customer,  or to some other  specified third
party.  Ingrain will, subject to Product  availability,  use its best efforts to
fill and ship all Product  orders placed by PC Universe  within one (1) business
day of order receipt.

     B. For government  orders,  PC Universe will compile,  update,  and provide
Ingrain with the following Product order information:  (i) Product type(s), (ii)
unit quantity,  (iii) end user name and zip code, and (iv)  government  contract
number. PC Universe personnel will identify, for each Product order, the ship-to
destination  as either PC Universe,  PC  Universe's  customer,  or to some other
specified third party.  Ingrain will, subject to Product  availability,  use its
best efforts to fill and ship all Product  orders  placed by PC Universe  within
one (1)  business  day of order  receipt.  Ingrain  will have no  obligation  to
confirm the validity of any order placed or the authority of the person  placing
an order in this manner.  PC Universe will disclose its Ingrain  customer number
only to its personnel with a need to know.
<PAGE>

     C. Ingrain will accept orders over telephone, via facsmile, and via Ingrain
approved  electronic  ordering  methods  as defined  in  Ingram's  Comprehensive
Catalog only from those who identify  themselves  as PC Universe  personnel  and
provide the Ingrain customer number prior to placing the order. Ingrain willhave
no  obligation  to confirm the validity of any order placed or the  authority of
the person  placing an order in this  manner.  PC  Universe  will  disclose  its
Ingrain customer number only to its personnel with a need to know.

4.       Volume Commitment

     PC Universe  agrees that its combined  annual Ingrain and Ingrain  Alliance
purchases will meet or exceed  $8,000,000 for the term of this  Agreement.  This
annual purchase goal may be reviewed and adjusted quarterly.

5.       Pricing and Payment Terms

INGRAM MICRO

     A. All Product prices will be as shown in Ingrain Micro's on-line  ordering
system as of the date of order.

     B. Ingrain Micro's price to PC Universe for standard Product purchases will
be Ingrain Micro cost divided by the factor  applicable to the Product type. The
Product types and factors will be as follows:

                     Product Type                     Factor
                     ---------------------------------------
                     Software                          .950
                     Hardware                          .945
                     Accessory Product                 .940
                     Technical Product                 .925

     C.  Specialty  Product  purchases,  including  but not  limited  to memory,
licenses,  books some technical  education and exclusives may not be included in
the above pricing.

     D.  Attachment  B  provides  a list of  vendors  for which the  pricing  is
adjusted  individually  and separately from the pricing above.  All other vendor
lines for  which PC  Universe  is  authorized  will be  subject  to the  pricing
referred to in this section.

     E. As manufacturer  costs change,  Ingrain Micro's price to PC Universe may
be adjusted to reflect such changes.

     F. Ingrain  Micro will invoice PC Universe upon Product  shipment,  and all
invoices will be due and payable net thirty (30) days from invoice date.

INGRAM ALLIANCE

     G. Prices for all floored and subsidized  Product purchases will be Ingrain
Alliance  replacement  cost on the date of purchase plus the  percentage  listed
below.  Pricing is valid for one year unless manufacturer costs change,  Ingrain
Alliance's price to Reseller may be adjusted to reflect such change.

Cost plus      2.9% on all Ingrain  Alliance "A" Products as listed in Exhibit B
Cost plus      2.9% on all Ingrain  Alliance "B" Products as listed in Exhibit B
Cost plus      2.9% on all Ingrain  Alliance "C" Products as listed in Exhibit B

NOTE: Lagram Alliance  calculates PC Universe cost by taking Ingrain  Alliance's
replacement cost of the Product, without additional freight loads or other fees,
and dividing it by the reciprocal of the cost plus the percentage stated above.

     H. Ingrain Alliance pricing applies to flooring purchases only. PC Universe
agrees to utilize  Ingrain  Alliance  approved  flooring  companies as listed in
Exhibit C, in order to assure the vendor subsidizes the
<PAGE>
associated  flooring  fees.  If PC  Universe  does not use an  Ingrain  Alliance
approved  flooring  company for each vendor,  PC Universe will be billed for the
flooring fees from the flooring company.

     I. In the  event PC  Universe  elects  to  place  an  order on the  Ingrain
Alliance net terms  account,  Ingrain  Alliance  will  invoice PC Universe  upon
Product shipment,  and all invoices will be due and payable net thirty (30) days
from invoice  date. A net terms fee of two percent  (2.0%) of the total  invoice
amount will be added to orders placed on PC  Universe's  net terms  account.  If
payments are not received within thirty (30) days,  additional  interest charges
may be added.

6.       Fees

     A. Ingrain agrees to waive the minimum order fee.

     B. Ingrain Alliance agrees to waive the fulfillment order fee.

     C. A rebox fee of thirty five dollars  ($35.00) per item will be charged on
all Ingrain Products returned in a damaged box.

7.       Shipping

     A. All Ingrain Micro Product  orders which are shipped  ground freight will
be shipped  FOB origin,  Ingrain  Micro's  carrier of choice,  as  described  in
Ingrain Micro's Catalog.

     B. All  Ingrain  Alliance  Product  orders will be shipped  F.O.B.  origin,
ground service,  Ingrain Alliance's carrier of choice, and Ingrain Alliance will
pay all ground  freight  charges  on orders  which are  shipped  from any of its
distribution  centers.  Upon PC Universe request,  Product orders may be shipped
expedited  via PC  Universe's  carrier  of  choice.  PC  Universe  will  pay all
expedited  freight  charges and all orders  will be shipped  F.O.B.  origin.  PC
Universe's   shipping   locations  which  are  near  a  local  Ingrain  Alliance
distribution  center,  will often receive Product orders the following  business
day.

     C. In the event  Product is not in stock in PC Universe's  primary  Ingrain
distribution center,  Ingrain Alliance will ship the product from an alternative
warehouse via 2-day freight at Ingram's expense on a case-by-case basis.

8.       Returns

     A. For Ingrain Micro Product  returns,  PC Universe will be entitled to the
same customer  support,  stock balancing and defective Product return privileges
as is extended to Ingrain Micro's customers in Ingrain Micro's Catalog.

     B.  Products  purchased  from  Ingrain  Alliance  which are not found to be
defective  may be  returned  within one hundred  fifty (150) days after  invoice
date.  All returns will be subject to the returns fees listed in the table below
which (i) are derived from PC Universe's  stock balance  returns as a percentage
of gross sales during that current Ingrain  Alliance  fiscal  quarter,  and (ii)
will be invoiced at the end of that fiscal quarter. Returns will be processed at
the lower of either the invoice  price paid by PC Universe or the current  price
as shown in Ingrain  Alliance's on-line ordering system as of the date of return
request. All Products returned must be undamaged, in the manufacturer's original
packaging, unused and in resalable condition.

-------------------------------------------------
     Returns Percent               Fee
-------------------------------------------------
         0% - 5%                No fee
-------------------------------------------------
     3.01% - 15%                    5%
-------------------------------------------------
  15.01% or more                   15%
-------------------------------------------------

     C. All defective/DOA  returns must follow the policies as published by each
individual manufacturer.
<PAGE>

     D,  Ingram will not accept  stock  balance  returns  for special  orders or
configured systems.

9.       Inventory Reserve Program

Attachment  A  outlines  the  terms  and  conditions  for the  Ingrain  Alliance
Inventory  Reserve  Program  ("IRP")  which will  provide PC  Universe  with the
ability to reserve inventory ("Reserve Inventory") in exchange for a fee.

10.      Vendor Funds

Any co-op or marketing  funds provided by vendors for PC Universe will be passed
through  Ingrain  Alliance to PC Universe at 100%.  Ingrain  Alliance  agrees to
support PC Universe's annual marketing plan with incremental  marketing funds on
a case-by-case basis.

11.      Term and Termination

This  Agreement  will commence on the date of the last signature set forth below
and will continue for one (1) year.  Either party may terminate  this  Agreement
without  cause by giving  thirty (30) days advance  written  notice to the other
party.  Ingrain may terminate this Agreement  immediately for cause upon written
notice, which notice will include a ten (10) day opportunity to cure.

12.      Confidentiality

This Agreement is and contains confidential information, and as such will not be
disclosed  to any third  party  without  the  express  written  consent  of both
parties.  The  parties  agree to  disclose  the  terms  and  conditions  of this
Agreement only to their respective personnel with a need to know.

13.      Notices

All notices and other  communications  relating to this  Agreement  or its terms
will be in writing  and mailed via first class  United  States  Postal  Service,
certified or registered  with return  receipt  requested or via  facsimile.  All
notices so mailed will be deemed  received two (2) days after  postmark date and
facsimiles mill deemed received upon notification of successful transmission.

14.      Entire Agreement

This  Agreement  (including  any Exhibits and  Addenda)  constitutes  the entire
Agreement between the parties regarding the resale of Product,  and will cancel,
terminate,   and   supersede  any  and  all  previous   agreements,   proposals,
representations,  or  statements,  whether  oral or  written.  The terms of this
Agreement  will  supersede the terms of any invoice or purchase  order issued by
either party. Any  modifications of this Agreement must be in writing and signed
by an authorized representative of each party.

15.      Governing Law

This  Agreement  will be  deemed  made in the  State of  California  and will be
governed by and  construed in accordance  with  California  laws,  excluding its
conflicts  or choice of law rule or  principles  which might refer to the law of
another  jurisdiction.  The state and federal courts  situated in Orange County,
California will have  non-exclusive  jurisdiction  and venue over any dispute or
controversy which arises out of this Agreement.
<PAGE>

16.      Headings

Ingrain  and  Ingrain   Alliance.  Resale  Agreement   This  Agreement  may  be
executed in any number of original counterparts, each of which when executed and
delivered  will be deemed to be an original and all of which taken together will
constitute  but one and the same  instrument.  Headings  in this  Agreement  are
included for  convenience  of reference  only and will not  constitute a part of
this Agreement for any other purpose.

This  Agreement  will  be effective  as of  the last date  of  signature by  the
authorized  parties below.
<TABLE>
<CAPTION>
<S>                                     <C>                                     <C>
"PC Universe"                           Ingram Micro, Inc.                      Ingram Micro, Inc.

By:                                     By:                                     By:
(Officer of the Company)                (Officer of the Company)                (Officer of the Company)

Name:                                   Name:                                   Name:
(Please print or type)                  (Please print or type)                  (Please print or type)

Title:                                  Title:                                  Title:
(please print or type)                  (please print or type)                  (please print or type)

Date:                                    Date:                                  Date:
</TABLE>
<PAGE>

                                  ATTACHMENT A

                           INVENTORY RESERVE PROGRAM

1.       Definitions

     A. The term "reserve" will mean Product placed on hold, for use only by the
customer in exchange for a fee.

     B. The term "release" will mean Reserve  Inventory that has been moved to a
sales order.

     C. The term "canceled"  will mean Reserve  Inventory that has been canceled
at the customer's request or expired within the context of this Agreement.

     D. The term  "available"  Product  will mean  Product  that is available in
general  inventory.  This term does not apply to on-hand  inventory if available
quantity is negative.

     E. The term  "constrained"  Product will mean Product that is not available
from Ingram general  inventory due to customer  demand  exceeding  manufacturers
supply and is flagged  with a "C" or "R" in Ingram's  Order  Entry or  Inventory
Inquiry system.

     F. The term Large Account Program ("LAP") will mean a program in support of
vendor allocation to a specific end user.

     G. The term  "extension  fee" will mean the fee charged to continue to hold
Product  already  placed on reserve,  after the expressed free days have elapsed
with in the context of this Agreement.

There are three (3) types of Product  reserves in the IRP:  LAP's,  constrained,
and available.

2.       IRP Inventory Limits

     A. PC Universe may reserve  Product up to 15% of their total net  purchases
during the previous  Ingram  Alliance  fiscal  quarter,  excluding  LAP Product.
Ingram  Alliance will allow only up to five percent (S%) of its total  inventory
on hand to be placed into the IRP.  Should either limit be reached,  PC Universe
will not be permitted to place  additional  product into IRP,  even if they have
not reached their individual IRP inventory limit.

     B. In the event PC Universe  exceeds their  established  Reserve  Inventory
limit,  PC Universe  agrees to immediately  either release or cancel 1RP product
until they are back within their Reserve Inventory limit.

3.       Requesting and Releasing IRP Product

LAP quantities will be determined by the vendor for PC Universe. PC Universe may
request a reserve of inventory for any constrained or available Product provided
the limits established in section 4.A have not been exceeded.
<PAGE>

InQraln and InQram Alliance. Resale Agreement

     A. The following conditions apply to all reserves:

        a) PC Universe is required to issue either a purchase order or reference
number to each reserve entered.

        b) PC Universe must assign a title or reference to each reserve entered.
In addition, LAP reserves must reference the end user.

     B. The following  conditions  apply when placing a reserve request into the
IRP:

        a) PC Universe will contact their assigned inside  sales  representative
via telephone, facsimile or in writing. Ingram  Alliance cannot accept a reserve
request that is received electronically.

        b) PC Universe agrees to make best efforts to place Product reserves out
of  their  primary  warehouse,  or closest Ingram  configuration  center. Ingram
Alliance retains the right to approve an alternate warehouse location.

        c) Only current stocked  inventory  items may be  reserved. Liquidation,
special order, rebox, B-stock,  refurbished and discontinued Products may not be
reserved.

        d) Only available product may be placed on reserve.

     C. When PC Universe  elects to release  Reserve  Inventory,  the  following
conditions apply:

        a) PC Universe will  contact  their  inside  sales   representative  via
telephone,  facsimile or in writing with an order.  Inventory cannot be released
from the IRP for orders that are placed electronically.

        b) Each time PC  Universe  orders a Product that is available from their
Reserve  Inventory,  PC Universe's  inside sales  representative  will notify PC
Universe and determine if the Product is to be released from reserve  inventory,
shipped from available inventory or backordered.

       c) PC Universe  may view a Computer  Assisted Purchasing  System ("CAPS")
report on all  Products  currently  on reserve  which is sorted by vendor.  When
requesting  the release of a reserve,  PC Universe may request  which reserve to
pull the order from by supplying their assigned inside sales representative with
the associated reserve purchase order number, reference number or end user name.
If the reserve is not specified, the oldest reserve will be used.

       d) When  inventory is released from the 1RP,  the Product must be shipped
in accordance  with Ingram's standard  order management  guidelines or the order
will be canceled and the Product will not be returned to Reserve Inventory.

4.       Pricing

All Product prices will be as shown in Ingram Alliance's on-line ordering system
as of the date of order, not date of reserve.

<PAGE>

5.       Fees

Fees for the IRP are  determined  by the type of  inventory  in reserve  and are
detailed below:

     A. The extension fee is calculated by assessing a minimum of one percent (1
%) of Ingram Alliance's cost multiplied by the quantity extended. Extensions are
granted in fifteen (15) business day increments and the extension fee will apply
for each additional reserve extension.

     B. Constrained product may be reserved for the first five (5) business days
free of charge.  PC Universe must contact their inside sales  representative  to
request an extension.  If a constrained  product reserve  extension is approved,
Ingram  Alliance  will assess a one percent (1%)  extension  fee, as  calculated
above.  The extension fee will be applied for each  extension  period as defined
herein for a maximum  holding  period of twenty (20) business  days.  After this
period, no further extensions will be allowed.

     C. LAP product will be reserved for the first  fifteen ( I S) business days
free of charge.  PC  Universe  may  extend the  reserve up to three (3) times in
fifteen (15) business day increments, for a maximum holding period of sixty (60)
business  days. Any requests for reserve  extensions  must be made by contacting
their inside sales representative.  PC Universe agrees to pay a one percent (1%)
fee, as calculated above, for each fifteen (15) business day increment.

     D. Available  inventory may be reserved for the first fifteen (15) business
days free of charge. By contacting your inside sales representative, PC Universe
may extend the reserve one time in a fifteen (15) business day increment,  for a
maximum  holding period of (30) business  days. PC Universe  agrees to pay a one
percent  (1%) fee as  calculated  above,  for each  fifteen  (15)  business  day
increment.

     E. Reserve extensions for any Products are granted solely at the discretion
of Ingram Alliance.

6.       Invoicing and Payment Terms

Ingram  Alliance  will invoice PC Universe  for all reserve fees  incurred to PC
Universe's  Ingram  Alliance  Branch  23  account,  on  the  net  terms  billing
extension,  within 15 business  days after Ingram  Alliance's  fiscal month end.
Fees are calculated and added to the reserve  billing report when the reserve is
extended.  Ingram  Alliance will provide a reserve  billing report which details
that months reserve  extensions and associated  fees. All extension fees will be
charged and due whether or not the Product has shipped,  is still on reserve, or
whether the reserve has been  canceled.  All invoices will be due and payable in
accordance with PC Universe's standard payment terms and conditions.  Failure to
pay fees within PC Universe's  standard payment terms and conditions will result
in the  cancellation  of all open  reserves  and PC Universe may be dropped from
Ingram Alliance's 1RP.DEALER LOAN AND SECURITY AGREEMENT

FINOVA Capital rporation                                  P.C. Universe, Inc.
                                                          ----------------------
1060 First Avenue                                         Exact Legal Name

Suite 100                                                 2302 N. Dixie Highway
                                                          ----------------------
King of Prussia, PA 19406                                 Street Address

                                                          Boca Raton, FL 33431
                                                          --------------------
                                                          City, State, Zip Code
Gentlemen:

     1. We are an authorized dealer of goods manufactured  and/or distributed by
various manufacturers and distributors  (hereinafter called "Manufacturer").  As
such, we from time to time buy goods from  Manufacturer  to be held by us as our
inventory (or sale by us in the normal  course of our business.  We may, as more
fully set forth  herein,  from time to time  obtain  loans  from you in order to
finance the purchase of certain of such goods,  including  parts and accessories
therefor,  from  Manufacturer,  and  desire  by this  Agreement  to set forth in
writing our understanding of our loan arrangements with you and secure repayment
of such  loans  and other  related  debts  and  liabilities  we may have to you,
whether now existing or hereafter arising.

     2. Upon our request from time to time, you may, at your sole discretion and
without any  obligation  to do so,  make loans to us,  under such terms and with
such  condi  tions as you  shall  specify,  to enable  us to  acquire  rights in
inventory from  Manufacturers  pre-approved  by you for financing  programs.  We
understand  that  each such  loan  will be  solely  at your  discretion,  and we
expressly disclaim any right to expect otherwise,  either from the course of our
dealing,  our need therefor,  your dealings with others, your arrange ments with
Manufacturer,  or  otherwise.  Conversely,  nothing  herein will prevent us from
obtaining  financing  from  other  sources,  provided  that  you are  completely
satisfied  that such other  financing  will not jeopardize our ability to comply
with our  financial  obligations  to you and that  adequate  procedures  will be
implemented  to  absolutely  assure your abili ty to identify  your  Collateral.
Accordingly, we will obtain both your written permission prior to arranging such
other  financing  and such  acknowledgements  and  undertakings  from our  other
lenders as you may require.

     We  understand  that  certain  terms  and  conditions  applicable  to loans
obtained by us from you will be set forth in materials to be made available from
time to time to us and other dealers,  the terms of which,  as revised from time
to time, being deemed incorporated herein by reference. We understand that these
materials  are  subject to change by you at any time and from time to time,  and
expressly assume the  responsibility  of confirming  directly with you, upon our
request for each loan, the exact terms and conditions  then being stated by you,
including  without  limitation  rate of interest and terms of  repayment.  In no
event will we view such materials as a commitment or other otter on your part to
lend,  and we will have no right to any loan under any  particular  terms  until
actually made and under the terms so made. We understand and agree that the full
amount of each loan will be paid to you on its due date  without  deduction  for
any sums due from  Manufacturer  or any Credit Memo that may have been issued to
you, unless you have  previously  notified us that you have received and applied
the amount of the Credit Memo issued by the Manufacturer.

     We understand  that you may,  from time to time,  issue advices to us. Such
advices may include,  but need not be limited to, periodic or monthly statements
of our account,  periodic letter advices in the nature of statements of account,
issued  from time to time,  and  letter  forms or other  forms of notices of due
dates of finance plan payments and of the specific  terms of loans which we have
with you. Unless we, within ten (10) days from the date of any such advice, give
you written and itemized objection to the corn tents of such advice, we shall be
fully  bound  thereby and  acknowledge  that the content of such advice is true,
correct, and complete,  and accurately reflects our obligations to you as of the
date thereof.

     In connection with each loan  requested,  we will deliver to you such other
writings  as you shall  require,  which may include  notes or other  appropriate
evidence of debt. Such notes or other evidence of debt,  Manufacturer  invoices,
and other  like  materials  as may be  revised  from  time to time  ("Collateral
Documents'), together with this Agreement, contain our entire understanding, and
we  acknowledge  that we will not be  relying  upon  any  prior  o21 or  written
promises or  undertakings  or future oral promises  between us. No  modification
hereof or of the  Collateral  Documents  will be  binding  upon you  unless in a
writing  duty  executed  on your  behalf by an officer  holding the rank of Vice
President or higher.

     We hereby  authorize  you to disburse the proceeds of each loan directly to
Manufacturer on our behalf.  Further, we shall and hereby authorize Manufacturer
to deliver its invoice for Inventory,  together with all Certificates of Origin,
directly  to you.  You many  assume  that all such  invoices  so  submitted  are
authentic and accurate and that they have been  submitted on our behalf and with
our  permission.  Receipt  by you  from us or  Manufacturer  of an  invoice  for
Inventory  shall  be  your  authority  to  make a loan  to us  under  terms  and
conditions  then being stated by you. In addition we shall and hereby  authorize
the Manufacturer to issue all Credit Memos directly to you.

     We  acknowledge  that  the term  "Prime  Rate",  as used in the  Collateral
Documents in reference to the rate of interest  applicable  to loans to us, will
mean the average of the Prime Rates (the base rate for corporate  loans at large
U.S. money center  commercial banks) quoted In the Wall Street Journal under the
caption "Money Rates',  and agree that the interest rate applicable to our loans
from you will automatically  change from time to time effective upon each change
in the  published  Prime Rate.  We further agree that interest on our loans from
you will be calculated on the basis of a 360 day year but will be chargeable for
the actual days that principal is outstanding in the then current year.

     3. We acknowledge that our financial  arrangements  with you are completely
independent  of our  arrangements  with  Manufacturer,  and that neither you nor
Manufacturer  are an agent for or acting  on  behalf  of the  other.  We are not
relying,  in  our  understanding  with  you,  on  any  statements,  promises  or
representations,   oral  or  written,  made  by  Manufacturer,  whether  or  not
purportedly  on your behalf,  relating to the subject  matter  hereof and of our
loans with you. Although we may receive official literature, brochures and other
written materials disseminated by you through Manufacturer,  we expressly assume
the risk  that the  materials  so  received  are the  most  current,  up to date
materials then authorized by you to be disseminated.  None of our obligations to
you  will be  affected  or  impaired,  or be  subject  to any  defense,  setoff,
counterclaim,  crossclaim or recoupment,  by reason of any claim which we now or
hereafter have against Manufacturer or its agents,  including without limitation
any claim for  breach of  express or implied  warranty  of title,  or  otherwise
related to the condition of the Collateral or our dealings with Manufacturer.

     4. As used herein, the following terms shall have the following meaning:

             a)    "Inventory' means all present and future  inventory.  as that
term is defined  in the  Pennsylvania Uniform  Commercial Code ('Code,  together
will  all  parts  and  accessories,  and  all  replacements,  substitutions  and
additions  thereof  or thereto.
<PAGE>

            b)     "Accounts"  means all  present and  future Accounts,  as that
term is defined in the Code.

            c)     "General  Intangibles"  means all present and  future General
Intangibles,  as that tens is defined in the Code,  and shall  include,  without
limitation,  all Credit Memos and other sums due from Manufacturer,  all  books,
records,  ledgers, journals,   check  books,  computer  tapes  and  disks, print
outs  and  other  information and  sources  of information,  and  all  licenses,
permits,  franchises, lradenames and other rights and privileges  used or useful
in the conduct of our business and the sale of Inventory.

            d)    "Proceeds" means  present and future Proceeds, as that term is
defined in the Code, and shall include, without limitation, insurance payable by
reason of loss or damage to any of the Collateral.  All Proceeds  received by us
will be held in trust (or you unfit  our  loans are paid,  and we will  promptly
deliver all Proceeds to you.

           e)      "Collateral" means, individually and collectively, Inventory,
Accounts, General Intangibles and Proceeds.

     5.    a) In order to  secure  repayment  to you of each loan made by you to
us the proceeds of which enable us to acquire rights in or the use of Inventory,
we hereby grant to you a purchase  money security  interest  in such  Inventory,
the Proceeds  thereof and all  General  Intangibles  related  thereto, to secure
repayment of such loan.  It is intended by this  subparagraph  (a) that only the
Inventory  so acquired,  with  Proceeds and related  General  Intangibles,  will
secure the loan the proceeds of which enabled us to acquire rights in or the use
of such Inventory.

           b) In order to secure  repayment to you of all debts and  liabilities
we may now or hereafter have to you under this Agreement or any other agreement,
whether such debt or liability be  obtained  by you by  assignment,  negotiation
or otherwise,  and whither  direct or indirect,  primary or secondary,  absolute
or contingent, or otherwise,  including but not limited to all loans made by you
to us to finance  the purchase  of Inventory, we hereby  grant to you a security
interest in all of our Inventory and in all Accounts and General  Intangibles no
matter how obtained by us, whither now existing or hereafter  acquired,  and the
Proceeds of all of the foregoing.

           c) All payments made by us will be deemed to be applied  by you first
to the loan (i)  the  proceeds  of  which  enabled  us to  acquire rights  in or
the use of Inventory which we  have previously sold and  (ii) with the  earliest
due date.

     6. We hereby represent to you that all information provided by us to you in
connection  with our  application for each loan from you is and will be complete
and accurate in every respect.  WE WILL IMMEDIATELY NOTIFY YOU IN WRITING OF ANY
CHANGE IN ANY OF THIS INFORMATION.

     7. We will from time to time execute and/or deliver or cause to be executed
and/or  delivered  to you such  financing  statements,  amendments  to financing
statements,   continuation  statements,   documents  of  title,   manufacturers'
certificates of origin,  warehouse  receipts,  bills of lading,  vehicle titles,
waivers,  consents  and such  other  manner of  things,  and take all  manner of
actions,  as you may from time to time  request  which are in your sole  opinion
necessary or desirable in order to pertect, protect, maintain, continue, realize
and/or enforce your rights and security  interests  granted  herein.  This shall
include, without limitation, the written waiver by the landlord of each location
at which any Collateral is located. A carbon, photographic or other reproduction
of this Agreement shall be sufficient as a financing  statement and may be tiled
in any public office as a financing statement.

     8.  We  will  maintain  the  Inventory  in  excellent,  salable  condition,
consistent with the highest standards in the industry,  and will comply with all
applicable  laws  relating  to our  use  thereof.  We will  provide  you or your
designated  representatives  with access,  at any time,  during normal  business
hours,  whether  announced  or  unannounced,  to  each  location  at  which  any
Collateral is located, to inspect and examine the Inventory and other Collateral
and business records,  including without  limitation all financial  records.  We
agree, at our sole cost, to keep all Inventory  insured against risks covered by
standard forms of tire, theft and extended  coverage and such other risks as may
be reasonably  required by you and under policies issued by an insurance company
or  companies  and in  amounts  satisfactory  to you.  You shall be named to the
extent your  interest  may appear under a Lender's  Loss Payable  Clause in such
policy,  which shall  provide that the insurance  cannot be canceled  without at
least  thirty  (30)  days  prior  written  notice to you and  shall  Insure  you
notwithstanding any act or neglect on our part. At our expense, we shall furnish
you with evidence of the same in form satisfactory to you, and shall provide you
with a Certificate  thereof naming you as certificate  holder.  We will promptly
remit  to you in the  forth  received,  with  all  necessary  endorsements,  any
Proceeds of such insurance.  You may make and settle claims and endorse our name
on any checks or drafts.  You may apply any Proceeds of  insurance  which may be
received by you toward payment of any obligations or liabilities  owed to you by
us, whether or not then due, in such order of application as you may determine.

     Loss,  damage  or  destruction  of all or any of the  Collateral  shall not
affect or diminish our liabilities to you and we assume all  responsibility  and
risk for the existence,  character,  quality,  condition, value, and delivery of
Inventory.

     9. We will  pay  and/or  cause  to be paid  all  taxes,  levies  and  other
governmental  charges  and  assessments  payable  on  or  with  respect  to  the
Collateral and any premises at which the Collateral is located,  which it unpaid
may result in a lien or  imposition  thereon.  Such taxes,  levies,  charges and
assessments will be paid prior to the date that any penalty for late payment may
be assessed  with  respect  thereto,  and if  requested  by you we will,  at our
expense,  provide  you  with  receipts  or other  evidence  of  payment  in form
satisfactory to you.

     10. We will not suffer or permit any lien, security interest, charge, claim
or encumbrance to be placed on any of the Collateral,  other than in your favor,
or suffer or permit any interest to exist  therein which is adverse to your own.
We represent  that we are, and agree to remain,  the sole and absolute  owner of
the Collateral,  until sold in the ordinary course of our business,  and are and
will  remain  qualified  under  the terms of all  applicable  laws and under our
dealership  arrangements  with Manufacturer to conduct our business as presently
conducted,  with all necessary  governmental  and other  licenses,  consents and
authorizations having been obtained.

     11.  At your  option,  without  any  obligation  to do so,  you may pay and
discharge taxes, liens, levies, security interests or other encumbrances against
the  Collateral,   may  pay  for  insurance  on  and  for  the  maintenance  and
preservation  of the Collateral  and perform on our behalf any other  obligation
required to be performed  by us hereunder  but which we have failed to so do. We
shall  reimburse  you on demand for any payment made or any expense  incurred by
you  pursuant  to the  authority  hereof,  with  interest  at the  highest  rate
chargeable  on any of our  loans  with  you,  and will pay you a late  charge of
1.5(degree)/  per  month  of the  amount  due to  you,  or the  highest  legally
permissible rate if lower.

     12.  We will  furnish  you such  information  regarding  our  business  and
financial  condition  as you may request  from time to time,  including  without
limitation   such   finanaal   statements,   in  such  forth  and  bearing  such
certifications, as you shall require. We agree that you may audit or cause to be
audited  our books and  records at any and all  times,  during  normal  business
hours,  whether  announced  or  unannounced,  and to permit  you  access to each
location at which any of our General Intangibles are located.

     13.  We will  provide  you with  written  notice of the  following  matters
Immediately upon the occurrence thereof:

             a) A change in  any Information  provided  by us to you herein,  in
any application made by us in connection with any loan, or  otherwise, including
without limitation,  any  change  In the  location  of any  Collateral or in any
other circumstances regarding the Collateral or our business operations;
<PAGE>
             b) Loss,  theft, or substantial damage or destruction of any of the
Collateral or related to our business operations generally; or

             c) Any other matter which might have  a material  adverse affect on
our  financial condition or operations or  which,  upon the  giving of notice or
passage of time, or both, would result in an event of default by us hereunder.

     14.  Any one or more of the  following  shall be an event of  default by us
under this Agreement:

             a)  Failure  by  us or  any  person  jointly  or  otherwise  liable
to you  for our  obligations to you, as surety,  guarantor or otherwise  ("Other
Obligor") to pay any amount due you, as and when due,  contained  or referred to
herein or in  any other instrument,  document,  or agreement to which we or such
Other Obligor are a party  or by which we or such  Other Obligor  are  bound  to
you,  whether  now existing or hereafter created; or

             b)  Failure by us or any Other Obligor  to  perform  or comply with
any other obligation,  covenant  or  liability  contained  or referred to herein
or in any  other instrument,  document,  or agreement to  which we or such Other
Obligor are a party  or by which we or such  Other  Obligor  are  bound  to you,
whether  now  existing or  hereafter created,  and such failure,  it  reasonably
susceptible of cure,  is not  cured within  fifteen (15) days of  the occurrence
thereof; or

             c) If any warranty, representation,  or statement made or furnished
to you by us or on our  behalf  or on behalf of an Other  Obligor, including any
representation  made  on  our  behalf  by  Manufacturer,  proves  to  be  false,
misleading or incomplete in any respect; or

             d) Loss,  theft or substantial  damage or destruction of any of the
Collateral, or  the  making of  any levy,  seizure,  or  attachment  thereof  or
thereon; or

             e)  Dissolution, merger, consolidation, sale or  other  disposition
of a  controlling  interest in  our ownership  or  of substantially  all of  our
assets, termination  of  existence,  insolvency,  business  failure, appointment
of  a   receiver,   trustee,   sequestrator,  conservator,   or  other  judicial
representative, whether  similar or  dissimilar,  for us or for  all or any part
of  our  property,  assignment  by  us for  the  benefit  of  creditors  or  the
commencement  of any proceeding  by or  against  us  under any  provision of any
federal  or state bankruptcy or insolvency laws; or

            (f)  Failure  by  us  to  pay  any  obligations)  or  liability(ies)
whatsoever,  past, present or future,  when due to any  other  creditor,  or the
occurrence  of any  event of default by  us under any agreement  with any of our
respective creditors, including  without limitation  the  occurrence of an event
of default under any lease  relating to any premises  upon which all or any part
of our  Inventory or other Collateral is located; or

             g)  If we give notice of a Bulk Sale or intended Bulk Sale, or call
a meeting of  our  respective  unsecured creditors  or  offer  a composition  or
extension to such creditors, or cease to operate our respective business.

     15. Upon the occurrence of an event of default, you shall have the right to
repossess  the Inventory  and also any and all rights  available  under Ma Code,
including,  without limitation, the right to declare any and all unpaid balances
of  principal,  interest,  costs and expenses  arising out of any and alt of our
obligations u,- liabilitie : '.o you. whether past, present or future, direct or
indirect, matured or unmatured, liquidated or unliquidated,  immediately due and
payable  without notice to or demand on us. We irevocably  authorize you or your
agent to enter all premises to take  possession  of and remove the Inventory and
other Collateral and release you from any and all Ilahility with respect to such
entry or removal. We shall in case of default,  if you so request,  assemble and
deliver the Inventory  and other  Collateral,  at our expense,  to a place to be
designated by you. We shall pay all of the costs you incur in the enforcement of
any of our obligations to you or the collection of any  liabilities  owed to you
by us, including, without limitation,  costs, expenses and reasonable attorneys'
tees. If any  notification  of intended  disposition  of any of the Inventory or
other  Collateral  is  required  by law,  such  notification  s."all  be  deemed
reasonably and properly  given if mailed by ordinary mail or overnight  delivery
service  at least  ten (t0)  days  before  such  disposition,  postage  prepaid,
addressed to us, either at our address shown in this Agreement, or at such other
address as we may have designated to you in writing.

     16. To the extent  permitted  by  applicable  law, we authorize  you,  your
designee,  the  Clerk  of the  Court,  or any  attorney  of  any  Court,  In the
Commonwealth of Pennsylvania or any other state, to appear for us at any time in
any and all actions and to confess judgment against us for all sums then owed !o
you, whether or not then payable,  together with an attorney's tee of 15% of all
sums then owed  and/or for the  recovery of any or all of the  Inventory  In our
possession. Wherever this provision Is prohibited, unenforceable or unlawful, it
is deemed stricken from this Agreement.

     17. Any law,  custom or usage to the  contrary  notwithstanding,  you shall
have the right at all times to enforce  the  covenants  and  provisions  of this
Agreement  in strict  accordance  with the  terms  hereof,  notwithstanding  any
conduct or custom on your part in refraining from so doing al any time or times.
Your  failure  at any  time to  Invoke  your  rights  under  the  covenants  and
provisions of this Agreement  strictly in accordance  with the same shall not be
construed  as  having  created a custom  in any way or  manner  contrary  to the
specific  terms  and  provisions  of this  Agreement  or as having in any way or
manner  modified,  altered  or waived  the same.  Time is of the  essence in our
performance  hereunder  and  under all other  agreements  with you.  All of your
remedies are cumulative and not  alternative,  and can be exercised in any order
and in any manner, separately or simultaneously, and from time to time until all
liabilities and obligations to you are satisfied in full.

     18.  This  Agreement  may be  assigned  by you,  but we may not assign this
Agreement without your prior written consent. It you assign this Agreement,  you
shall have no further obligation  hereunder.  All of your rights hereunder shall
inure to the benefit of your  successors  and  assigns  and ail our  obligations
shall bind our successors and assigns.  H there be more than one party obligated
to you under this  Agreement,  their  obligations  hereunder  shall be joint and
several,  and the terms  "we' "us' or 'our as used  herein  shall  refer to them
jointly and severally.

     19.  We   authorize   and  empower  you  or  your   employees,   agents  or
representatives,  on our behalf,  and in our name,  to  complete  and supply any
omission or blank  spaces in this  Agreement  and in any  documents or financing
statements  executed by us and including  amendments and  continuations  thereof
under the  Code;  to  execute  and/or  have  acknowledged  any form of  security
instruments,  notes, drafts and documents;  and to make any requisite affidavits
which may be  necessary  or  required  by you,  and/or  which you may  desire to
evidence or secure  advances made by you pursuant to the terms of this Agreement
All of the  foregoing may be executed in such forth and substance as you in your
sole discretion may deem necessary or proper, and this power o1 attorney,  being
coupled with an interest, is Irrevocable.

     20. Our officers, by execution hereof, warrant and represent to you that we
are a duly formed corporation and are qualified to do business in the states) in
which our places) of business  is.(are)  located;  and, at a Board of  Directors
meeting duly convened,  our otficer(s)  were properly  authorized to execute and
deliver this Agreement and all other documents  whether  hereunder or otherwise;
that the  execution  and  delivery of this  Agreement  does not  contravene  the
Articles of Incorporation,  By-Laws, or any agreement, document or instrument to
which we are a party or by the terms of which we are bound.

     21. Any  provision or part thereof in this  Agreement  found upon  judicial
Interpretation  or  construction to be prohibited by law shall be Ineffective to
the extent of such prohibition,  without  invalidating the remaining  provisions
hereof. All words used shall be understood and construed to be of such gender or
number as the circumstances may reasonably require.
<PAGE>

     22. THIS AGREEMENT SHALL BE DEEMED  EFFECTIVE WHEN ACCEPTED AND EXECUTED BY
YOU IN THE COMMONWEALTH OF  PENNSYLVANIA,  AND THIS AGREEMENT SHALL BE CONSTRUED
IN ACCORDANCE WITH THE SUBSTANTIVE LAWS OF THE COMMONWEALTH OF PENNSYLVANIA.

     23. AS AN INDEPENDENT  COVENANT, WE IRREVOCABLY CONSENT TO THE JURISDICTION
OF THE COURTS OF COMMON PLEAS OF  PHILADELPHIA,  PENNSYLVANIA  AND/OR THE UNITED
STATES  DISTRICT COURT FOR THE EASTERN  DISTRICT OF  PENNSYLVANIA IN ANY AND ALL
ACTIONS  BETWEEN US WHETHER UNDER THIS AGREEMENT OR OTHERWISE AND TO THE SERVICE
OF PROCESS THEREIN BY CERTIFIED  MAIL,  RETURN RECEIPT  REQUESTED,  TO US AT THE
ADDRESS AS SET FORTH HEREIN OR ON YOUR RECORDS, AND IRREVOCABLY WAIVE JURY TRIAL
AND THE RIGHT  THERETO IN ANY AND ALL  ACTIONS  BETWEEN US,  WHETHER  UNDER THIS
AGREEMENT OR OTHERWISE.

     WE HEREBY  ACKNOWLEDGE THAT WE HAVE READ AND UNDERST D ALL OF T E TERMS AND
PROVISIONS OF THIS AGREEMENT

     Intending to be legally bound, signed and delivered on, July 29, 1997

P.C. Univ se, Inc.
(Corporate Name )

BY:                          July 29, 1997
President

Attest:                      July 29, 1997
Secretary

(CORPORATE SEAL)

                          APPROVED AND ACCEPTED IN KING OF PRUSSIA, PENNSYLVANIA

                          FINOVA CAPITAL CORPORATION
                          (Secured Party)

                          BY:
                          DATE:

Federal Tax ID#65-0620192

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