Document:

Bristol Consulting LTD.
                                 P.O. Box 290767
                               Brooklyn, NY 11229
Phone: (718) 891-8101                                        Fax: (718) 891-0105

CONSULTING  AGREEMENT  dated as of the 30th day of July,  1998,  between Bristol
Consulting LTD, of P.O. Box 290767 Brooklyn,  NY 11229, and Accident  Prevention
Plus, Inc., of 145 Oser Ave. Ste. 100 - Hauppauge, NY 11788

Accident  Prevention Plus, Inc. desires to hire Bristol Consulting LTD. (Bristol
Consulting LTD.) to assist and advise for commercial  application in Europe, the
Middle  East and Far  East,  as to  Corporate  Structure,  Capital  Acquisition,
Contract Application, Equity Partners and Mergers and Acquisitions. It will also
advise  and  coordinate  procedures,   for  geographic  allocation  of  business
resources in areas described in this paragraph.

1. Services; Term
Bristol  Consulting  LTD.  hereby  agrees to provide  services as  consultant to
Accident  Prevention  Plus,  LLC, Inc. for a period of five years commencing on
the thirtieth of July,  1998, for five years  terminating on the thirtieth July,
2003.

2. Services to be performed
    (See Attachment A)

3. Compensation

a)   Bristol  Consulting  LTD.  shall be retained as described in item number 1,
     above:
     i.  Three  months at $5000 per month.
     ii. For balance of contract, Bristol Consulting LTD. will  be  paid $10,000
         per month.

b)   Bristol Consulting LTD. and its associates is to receive 5% of the stock of
     the new company (APP Incorporated -- to be formed) which can not be diluted
     by the issuance of new stock to officers and directors for a period of five
     years except in relation to their contracts.

4. Travel Expenses
In the  event  that,  at  Accident  Prevention  Plus,  Inc.'s  request,  Bristol
Consulting  LTD.  or its  representatives  is required to travel away from their
corporate  offices in Brooklyn,  New York,  in the  performance  of their duties
hereunder,  the Accident  Prevention  Plus, Inc. shall reimburse the corporation
for  all  expenses  incurred  by  the  corporation  or  its  representatives  in
connection with such travel.

<PAGE>

5. Termination
This  Agreement may be terminated  prior to the end of the Term:
(a) By Accident  Prevention  Plus,  Inc.  if Bristol  Consulting  LTD.  does not
conform to agreed upon stipulation in this contract and as is outlined in number
2, or any other  documents  pertaining  to said  paragraph  #2,  above which are
mutually agreed upon and signed by both parties.  Bristol  Consulting LTD. shall
retain all stock and rights prior to any termination.

In the event that this Agreement is terminated in accordance with this paragraph
2, the Company shall have no further obligation to Bristol Consulting LTD. under
this  Agreement  after  the  date  of  such  termination,  except  that  Bristol
Consulting  LTD. shall be entitled to receive any  consideration  to which it is
entitled  pursuant to paragraph 2 hereof which has accrued and has not been paid
up to and including the date of termination.

6. Confidential Information
All confidential  information which Bristol Consulting LTD. may now possess, may
obtain  during  or after the Term,  or may  create  prior to the end of the Term
relating to the business of the Accident  Prevention  Plus,  Inc.,  shall not be
published,  disclosed or made  accessible by him to any other  person,  firm, or
corporation  either  during or after the Term or used by him  except  during the
Term in the business and for the benefit of the Accident  Prevention Plus, Inc.,
without the prior written consent of the Accident Prevention Plus, Inc..

7. Binding Effect; Assignment
This  Agreement  shall be binding  upon and inure to the  benefit of the parties
hereto, the successors and assigns of the Accident Prevention Plus, Inc. and the
assigns,  heirs and  personal  representatives  of  Bristol  Consulting  LTD.  ;
provided,  however,  that  Bristol  Consulting  LTD.  may  assign,  transfer  or
otherwise  convey any of its  rights or  delegate  any of its duties  under this
Agreement without the written consent of the Accident Prevention Plus, Inc..

8. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of
the State of New York without giving effect to conflicts of law.

9. Entire Agreement
This  Agreement   represents  the  entire  agreement  and  any  other  documents
pertaining to said paragraph #2, above which are mutually agreed upon and signed
by both parties with respect to matters  contemplated  herein and supercedes any
prior oral or written  agreements  or  undertakings  between  the  parties  with
respect to such matters.

<PAGE>

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

Bristol Consulting LTD.                     Accident Prevention Plus, Inc., by
Authorized Representative                   Richard Goodhart, Chairman and CEO
Professor Sheldon Friedland

/s/  Sheldon Friedland                      /s/  Richard Goodhart, CEO
- ---------------------------               ------------------------------------

                                            Steven H. Wahrman, President

                                            /s/  Steven H. Wahrman
                                            ------------------------------------

<PAGE>

                             Bristol Consulting LTD.
                                 P.O. Box 290767
                               Brooklyn, NY 11229
Phone: (718) 891-8101                                        Fax: (718) 891-0105

Attachment A

1.  Advise to
    a)  Commercial application
        1.  Europe
        2.  Middle East
        3.  Far East

2.  Corporate structure

3.  Capital Acquisition

4.  Contract Application

5.  Equity Partners

6.  Mergers and Acquisitions

<PAGE>

                             Bristol Consulting LTD.
                                 P.O. Box 290767
                               Brooklyn, NY 11229
Phone: (718) 891-8101                                        Fax: (718) 891-0105

This is an  amendment to the  contract,  dated July 30,  1998,  between  Bristol
Consulting, LTD and Accident Prevention Plus, LLC:

Termination:

Should  either  company  fail to perform  the  services  as  outlined in point 2
(attachment A) The following  procedure for stock  issuance and consulting  fees
will be amended as follows:

1.   For every month that this  agreement is in force Bristol  Consulting  shall
     accrue  stock  holdings  equal to 8,063  shares  monthly for a period of 59
     months with the final  distribution  to be 8,111 shares which equal a total
     of 483,828 shares.

2.   The consulting  companies will accrue a fee at the rate of $5,000 per month
     for the first 3 months of service and $10,000/month thereafter or until the
     date of termination of this agreement.

3.   All stock which has not been accrued for  services  will be returned to the
     company.  However,  the consultant company will have the option to purchase
     this stock at the stock option price as determined in management employment
     contracts  dated  January  1,  1999  for a  period  of  60  days  from  the
     termination of this Agreement.

4.   Should Consultant Company wish to liquidate any of their holdings after the
     18 month waiting  period,  which  equates to 145,134  shares they have full
     right to do so. Other stock that may be issued can only be  liquidated on a
     month to month accrual bases of 8,063 shares/month thereafter.

5.   Should APP fault in any of their company  obligations  then this  Agreement
     will  remain  in full  effect  for the term of five  years as  stated in 1.
     Services Term.

/s/  Sheldon Friedland
- ---------------------------------
Sheldon Friedland, President

<PAGE>

                             Bristol Consulting LTD.
                                 P.O. Box 290767
                               Brooklyn, NY 11229
Phone: (718) 891-8101                                        Fax: (718) 891-0105

This is an  amendment to the  contract,  dated July 30,  1998,  between  Bristol
Consulting, LTD and Accident Prevention Plus, LLC:

Of the  787,614  shares of common  stock in APP  originally  contracted  for by
Bristol Consulting in conjunction with providing the services contracted by APP,
Bristol  Consulting has distributed  common stock to independent  associates for
completion of the above referenced contract.

The Bristol Consulting ownership is currently 689,414 shares. All stock remains
under the same restrictions under rule 144 SEC regulations.

/s/  Sheldon Friedland
- -------------------------------
Sheldon Friedland, President

<PAGE>

                             Bristol Consulting LTD.
                                 P.O. Box 290767
                               Brooklyn, NY 11229
Phone: (718) 891-8101                                        Fax: (718) 891-0105

Under Rule 144 SEC  Regulation,  Accident  Prevention Plus LLC or their attorney
cannot  refuse a Letter of  Opinion  for  relief in regard to taking  legend off
stock in the above mentioned  Corporation provided all SEC requirements are met.
Accident  Prevention Plus, LLC must accept  Corporation's  own Counsel Letter of
Opinion.

<PAGE>

                        AMENDMENT TO CONSULTING AGREEMENT

         THlS AMENDMENT TO CONSULTING AGREEMENT is entered into this 28th day of
October,   1998  by  and  between  Accident  Prevention  Plus,  Inc.,  a  Nevada
corporation ("APP") and Bristol Consulting Ltd. ("Bristol").

                                    RECITALS

         WHEREAS, Bristol and Accident Prevention Plus, LLC, a limited liability
company ("APP LLC") had entered into a consulting  agreement dated July 30, 1998
(the  "Consulting  Agreement") for a five year period in which APP LLC agreed to
pay Bristol  $5,000 per month for the first  three  months and $10,000 per month
thereafter  during the term of the  Consulting  Agreement as  consideration  for
certain duties to be performed by Bristol;

         WHEREAS,  the terms and  provisions of the  Consulting  Agreement  also
provided  that Bristol  would  receive an  approximate  five percent (5%) equity
ownership interest in a new corporation to be formed as additional consideration
for  certain  duties  to be  performed  by  Bristol  (not to be  diluted  by the
`issuance  of new stock to  officers  and  directors  for a period of five years
except in relation to their contracts);

         WHEREAS,  on October 28, 1998,  Accident  Prevention Plus, Inc. ("APP")
was formed  under the laws of the State of Nevada,  and APP and Bristol  entered
into an agreement (the "Exchange  Agreement") whereby Bristol agreed to exchange
either  its  equity  membership  interest  or its right to an equity  membership
interest in APP LLC for shares of restricted common stock of APP;

         WHEREAS,  in accordance  with the terms and  provisions of the Exchange
Agreement, on October 28, 1998, 837,414 shares of restricted common stock of APP
were  issued to  Bristol  evidencing  an  approximate  4.628%  equity  ownership
interest  in APP  pursuant  to  the  terms  and  provisions  of  the  Consulting
Agreement;

         WHEREAS,  the board of  directors  of APP approved the issuance of such
shares of stock to Bristol by resolution dated October 28, 1998; and

         WHEREAS,  the  parties  hereto  desire  to  memoralize  the  terms  and
provisions for such issuance of shares of common stock of APP.

         NOW, THEREFORE,  for and in consideration of the covenants and promises
set forth below, the parties agree as follows:

<PAGE>

         1.  Bristol  agrees  to  accept  the  issuance  of  837,414  shares  of
restricted common stock of APP as settlement for any and all services  performed
pursuant to the Consulting Agreement and fulfiIlment of the terms and provisions
of the Consulting  Agreement,  and that such stock  certificate  issued shall be
dated as of October 28, 1998;

         2.  Bristol  is aware  that the  shares of  common  stock are not being
registered  under the  Securities Act of 1933, as amended.  Bristol  understands
that the shares of common  stock are being  issued in reliance on the  exemption
from registration  provided by Section 4(2) thereunder.  Bristol  represents and
warrants  that:  (a) the shares of common  stock are being  acquired  solely for
Bristol's own account,  for investment  purposes only, and not with a view to or
in connection with, any resale,  distribution,  subdivision or fractionalization
thereof;  and (b)  Bristol  has no  agreement  or other  arrangement,  formal or
informal,  with any  person to sell,  transfer  or pledge  any of the  shares of
common stock or which would guarantee to Bristol any profit,  or protect Bristol
against any loss with respect to the shares of common stock,  and Bristol has no
plans to enter into any such agreement or arrangement.  Bristol understands that
it may be  recquired  to  bear  the  economic  risk of  this  investment  for an
indefinite  period of time because there is currently no trading  market for the
shares of  common  stock and the  shares  of  common  stock  cannot be resold or
otherwise  transferred unless applicable state securities laws are complied with
(which APP is not obligated to do) or exemptions therefrom are available.

         3. The  issuance  of 837,414  shares of common  stock of APP to Bristol
shall be valued at $0.00l for an aggregate valuation of$837.00 as of October 28,
1998.

         4.  Bristol  agrees to waive the  restrictive  provision  contained  in
paragraph 3(b) of the Consulting Agreement to be effective from the date of this
Agreement.

         5. Each party shall indetnnify, delend and hold harmless the other from
and against any and all claims. damages, liabilities,  losses costs and expenses
arising out of the Exchange  Agreement and the issuance of stock pursuant to the
Exchange Agreement.

         IN WITNESS  WHEREOF,  the parties have executed  this  Amendment on the
dates indicated below to be effective as of the date first above written.

                                           ACCIDENT PREVENTION PLUS, INC.,
                                           A Nevada corporation

Date: 1/10/00                              By: /s/ Steven H. Wahrman
                                               ------------------------
                                               Steven H. Wahrman

                                           BRISTOL CONSULTING LTD.

Date: 1/07/00                              By: ????????????EXCHANGE AGREEMENT

         THIS EXCHANGE AGREEMENT is entered into as of this 28th day of October,
1998 by and among Accident  Prevention Plus, Inc., a Nevada corporation  ("APP")
and Richard Goodhart ("Goodhart"),  Steven Wahrman (`Wahrman"), Jean Paul Daveau
(`Daveau"),   Darien  Partners   Investments,   Inc.  (`Darien"),   World  Asset
Management,  Inc. ("WAM"),  Atlantic Financial  Management,  Inc.  ("Atlantic"),
Avignon  Trading,  Inc.  ("Avignon"),  Royce Anderson  Monroe Royce  Anderson"),
Bristol  Consulting  ("Bristol"),  Frank Baker  ("Baker"),  and  Michael  Gervis
("Gervis"),  each who held  either an equity  membership  interest or a right to
acquire an equity  membership  interest in Accident  Prevention Plus, LLC, a New
York limited liability company ("APP LLC").

                                    RECITALS

         WHEREAS,  Goodhart,  Wahrman and Daveau were the  founders  and initial
members of APP LLC, and had executed an Operating  Agreement  dated December 30,
1995 and an  Amendment  to the  Operating  Agreement  dated  March 26, 1997 (the
"Operating  Agreement") reflecting certain percentages of ownership interests in
APP LLC;

         WHEREAS,  pursuant to the terms of the Operating Agreement,  percentage
ownership interests were set forth of 51%, 25% and 24% for Goodhart, Wahrman and
Daveau, respectively, of APP LLC;

         WHEREAS,  APP LLC and Darien entered into an  Independent  Contractor's
Installation  and Service  Agreement  dated April 11, 1997 and amended April 23,
1997 whereby Darien agreed to perform  certain  consulting  services and APP LLC
agreed to grant Darien the right to purchase a 4,9% equity  membership  interest
in APP LLC for $2,500.00;

         WHEREAS,  APP LLC  and WAM  entered  into an  Independent  Contractor's
Installation  and Service  Agreement  dated May 8, 1997 and amended May 20, 1997
whereby WAM agreed to perform certain consulting  services and APP LLC agreed to
grant WAM the right to purchase a 4.9% equity membership interest in APP LLC for
$2,500.00;

         WHEREAS, APP LLC and Atlantic entered into an Independent  Contractor's
Installation  and Service  Agreement dated May 16, 1997 and amended May 28, 1997
whereby  Atlantic  agreed to perform  certain  consulting  services  and APP LLC
agreed to grant Atlantic the right to purchase a 4.9% equity membership interest
in APP LLC for $2,500.00;

<PAGE>

         WHEREAS,  APP LLC and Avignon entered into an Independent  Contractor's
Installation and Service  Agreement dated June 4, 1997 and amended June 25, 1997
whereby Avignon agreed to perform certain consulting services and APP LLC agreed
to grant Atlantic the right to purchase a 4.9% equity membership interest in APP
LLC for $2,500.00;

         WHEREAS,  APP LLC and Bristol entered into a consulting agreement dated
July 30, 1998 whereby  Bristol  agreed to perform  certain  services and APP LLC
agreed  to grant  Bristol  the right to 5% of the  shares of common  stock to be
issued upon formation of a new corporation;

         WHEREAS,  APP LLC and Royce entered into a consulting  agreement  dated
July 30, 1998  whereby  Royce  agreed to perform  certain  services  and APP LLC
agreed  to grant  Royce the  right to 10% of the  shares  of common  stock to be
issued upon formation of a new corporation;

         WHEREAS,  Accident  Prevention Plus, Inc., a New York corporation ("APP
NY") and Baker had entered  into a consulting  agreement  dated June 5, 1995 and
amended  November 26, 1996 in which APP NY agreed to pay Baker five percent (5%)
of the profits generated by APP LLC effective November 26, 1996;

         WHEREAS,  APP NY and Gervis had  entered  into a  consulting  agreement
dated November 13, 1995 and amended  November 26, 1996 in which APP NY agreed to
pay Gervis five  percent  (5%) of the  profits  generated  by APP LLC  effective
November 26, 1996;

         WHEREAS,  on October 28, 1998,  Accident  Prevention Plus, Inc. ("APP")
was formed under the laws of the state of Nevada,  and the parties hereto agreed
to  exchange  either  their  equity  membership  interest or right to acquire an
equity  membership  interest in APP LLC for shares of restricted common stock of
APP based on their respective proportionate interests;

         WHEREAS,  the parties  desire to memoralize the terms and provisions of
such  exchange  in this  Exchange  Agreement  and to confirm and set forth their
respective proportionate equity interest in APP as of October 28, 1998

         NOW THEREFORE,  for and in  consideration of the covenants and promises
set forth below, the parties agree as follows:

         1.  Exchange.  (a)  Goodhart  agrees  to  transfer  his  entire  equity
membership  interest in APP LLC for 2,936,640 shares of restricted  common stock
of APP at $0.00 I per share for an aggregate value of  approximately  $2,937.00,
constituting  approximately  a 28.4%  interest  as of October 28,  1998,  and to
relinquish all rights and duties as a member in APP LLC.

<PAGE>

                  (b) Wahrman  agrees to transfer his entire  equity  membership
interest in APP LLC for 2,360,960  shares of  restricted  common stock of APP at
$0.001 per share for an aggregate value of approximately $2,361.00, constituting
approximately  a 13.9%  interest as of October 28, 1998,  and to relinquish  all
rights and duties as a member in APP LLC.

                  (c) Daveau  agrees to transfer  his entire  equity  membership
interest in APP LLC for 1,049,680  shares of  restricted  common stock of APP at
$0.  001  per  share  for  an  aggregate  value  of   approximately   $1,050.00,
constituting  approximately  a 13.3%  interest  as of October 28,  1998,  and to
relinquish all rights and duties as a member in APP LLC.

                  (d)  Darien  agrees  to  transfer  its  rights  to  an  equity
membership  interest in APP LLC for 795,000 shares of restricted common stock of
APP at  $0.001  per  share  for an  aggregate  value of  approximately  $795.00,
constituting approximately a 4.9% interest as of October 28, 1998.

                  (e) WAM agrees to transfer its rights to an equity  membership
interest  in APP LLC for 795,000  shares of  restricted  common  stock of APP at
$0.001 per share for an aggregate value of approximately  $795.00,  constituting
approximately a 4.9% interest as of October 28, 1998.

                  (f)  Atlantic  agrees  to  transfer  its  rights  to an equity
membership  interest in APP LLC for 790,000 shares of restricted common stock of
APP at  $0.001  per  share  for an  aggregate  value of  approximately  $790.00,
constituting approximately a 4.9% interest as of October 28, 1998.

                  (g)  Avignon  agrees  to  transfer  its  rights  to an  equity
membership  interest in APP LLC for 800,000 shares of restricted common stock of
APP at  $0.001  per  share  for an  aggregate  value of  approximately  $800.00,
constituting approximately a 4.9% interest as of October 28, 1998.

               (h) Baker agrees to transfer  his rights to an equity  membership
interest in APP LLC for 820,000 shares of restricted  common stock of APP at $0.
001 per share for an  aggregate  value of  approximately  $820.00,  constituting
approximately a 4.9% interest as of October 28, 1998.

               (i) Gervis agrees to transfer his rights to an equity  membership
interest  in APP LLC for 805,000  shares of  restricted  common  stock of APP at
$0.00 I per share for an aggregate value of approximately $805.00,  constituting
approximately a 4.9% interest as of October 28, 1998.

               (j) Bristol agrees to transfer its rights to an equity membership
interest  in APP LLC for 837,414  shares of  restricted  common  stock of APP at
$0.001 per share for an aggregate value of approximately  $837.00,  constituting
approximately a 5% interest as of October 28, 1998.

<PAGE>

               (k) Royce agrees to transfer  its rights to an equity  membership
interest in APP LLC for 2,006,276  shares of  restricted  common stock of APP at
$0.00  I  per  share  for  an  aggregate  value  of   approximately   $2,006.00,
constituting approximately a 10% interest as of October 28, 1998.

         2. Representations and Warranties.  Goodhart,  Wahrman, Daveau, Darien,
WAM, Atlantic,  Avignon,  Baker, Gervis, Bristol and Royce represent and warrant
to APP as follows:

                  (a) That either their respective equity ownership  interest or
right  to  ownership  interest  in APP LLC is free  and  clear  of all  security
interests, liens, encumbrances, restrictions or any other burdens.

                  (b) That (i) complete and full  opportunity  and access to the
financial  statements  and other  relevant  books  and  records  or  information
concerning APP has been given,  (ii) when requested and as deemed  necessary for
the purposes of entering into this Exchange Agreement,  such financial and other
information regarding APP has been given, and (iii) no reliance has been made on
statements or  representations  of any other persons  associated with APP or any
director, officer, employee or agent of APP concerning the business or prospects
of APP in connection with execution of this Exchange Agreement.

                  (c)  That  the  transfer  of such  interests  pursuant  to the
Exchange Agreement is at arms-length and for fair and adequate consideration.

         3.  Represents  and  Warranties of APP. APP  represents and warrants as
follows:

               (a) It is a corporation  duly organized,  validly existing and in
good standing under the laws of the State of Nevada.

               (b) The issuances of stock to the parties as described herein and
the execution of this Exchange Agreement has been duly and validly authorized by
the board of directors of APP.

<PAGE>

         IN WITNESS WHEREOF,  the parties have entered into this Agreement as of
the dates indicated below to be effective as of the date first above written.

                                    ACCIDENT PREVENTION PLUS, INC.,
                                    A Nevada Corporation

Date:1/10/2000                      By /s/ Steven H. Wahrman
                                    ------------------------
                                    President

Date:1/10/2000                      /s/ Richard Goodhart
                                    ------------------------
                                    Richard Goodhart

Date:1/10/2000                      /s/ Steven Wahrman
                                    ------------------------
                                    Steven Wahrman

Date:1/10/2000                      /s/ Jean Paul Daveau
                                    ------------------------
                                    Jean Paul Daveau

                                    Darien Partners Investments, Inc.

Date:1/14/2000                      By:__________________________

                                    World Asset Management, Inc.

Date:1/13/2000                      By:__________________________

                                    Atlantic Financial Management, Inc.

Date:1/13/2000                      By:__________________________

<PAGE>

                                    Avignon Trading, Inc.

Date:1/13/2000                      By:__________________________

Date:_________                      ________________________
                                    Frank Baker

Date:_________                      ________________________
                                    Michael Gervis

                                    Bristol Consulting, Ltd.
Date:_________                      By: ________________________

                                    Royce Anderson & Monroe, Inc.
Date:_________                      By: ________________________

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