Document:

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EXHIBIT 10.13

SERVICE AGREEMENT, DATED FEBRUARY 10, 2000, BETWEEN MAN SANG INTERNATIONAL
LIMITED AND WONG KA MING

THIS AGREEMENT is made on the 10th day of February, 2000

BETWEEN:

(1)      MAN SANG INTERNATIONAL LIMITED, a company incorporated under the laws
         of Bermuda and having its registered office at Clarendon House, 2
         Church Street, Hamilton HM11, Bermuda and its principal place of
         business in Hong Kong at 21st Floor, Railway Plaza, 39 Chatham Road
         South, Tsimshatsui, Kowloon, Hong Kong (the "Company"); and

(2)      WONG KA MING of 20F, One Park Towers, 1 King's Road, Hong Kong (the
         "Executive").

WHEREBY IT IS AGREED as follows:

1.       INTERPRETATION

1.01     In this Agreement, unless the context requires otherwise:

         "Board" means the board of directors for the time being of the Company;

         "Group" means the Company and its subsidiaries from time to time and
         "member of the Group" shall be construed accordingly;

         "HK$" means Hong Kong dollars;

         "Hong Kong" means the Hong Kong Special Administrative Region of the
         People's Republic of China;

         "Listing Rules" means the Rules Governing the Listing of Securities on
         The Stock Exchange of Hong Kong Limited (as the same may be amended
         from time to time); and

         "month" means calendar month.

1.02     References herein to Clauses are to clauses in this Agreement unless
         the context requires otherwise.

1.03     The headings are inserted for convenience only and shall not affect the
         construction of this Agreement.

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1.04     Unless the context requires otherwise, words importing the singular
         include the plural and vice versa and words importing a gender include
         every gender.

2.       APPOINTMENT

         The Company will employ the Executive and the Executive hereby agrees
         to serve the Company as an executive director upon the terms and
         subject to the conditions hereinafter appearing.

3.       DURATION

         Subject to termination as hereinafter provided, the Company will employ
         the Executive with effect from 21st February, 2000 for an initial term
         of two (2) years until terminated by either party giving to the other
         not less than three (3) months' notice in writing.

4.       EXECUTIVE'S DUTIES

         The Executive shall, during the continuance of his employment
         hereunder:

         (a)      serve the Company as an executive director and, in such
                  capacity, perform the duties and exercise the powers from time
                  to time assigned to or vested in him by the Board (including
                  (without further remuneration unless otherwise agreed) serving
                  on the board of directors, or in any other office, of any
                  member(s) of the Group, as the Board may require) including
                  but not limited to:-

                  i.       formulation and implementation of corporate
                           development strategies;

                  ii.      investors relationships;

                  iii.     mergers and acquisitions

                                    and he will perform those duties at such
                  place or places in Hong Kong or elsewhere as the Board may
                  from time to time determine;

         (b)      comply with and conform to any lawful instructions or
                  directions from time to time given or made by the Board, or
                  with the authority of the Board, and shall comply with the
                  Company's rules, regulations, policies and procedures from
                  time to time in force;

         (c)      faithfully and diligently serve the Group and use his best
                  endeavours to promote the business and interests thereof;

         (d)      devote himself exclusively and diligently to the business and
                  interests of the Group and personally attend thereto at all
                  times during usual business hours

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                  and during such other times as the Company may reasonably
                  require except in case of incapacity through illness or
                  accident in which case he shall forthwith notify the Secretary
                  of the Company of such incapacity and shall furnish to the
                  Board such evidence thereof as it may require;

         (e)      keep the Board promptly and fully informed (in writing if so
                  requested) of his conduct of the business or affairs of the
                  Group and provide such explanations as the Board may require
                  in connection therewith;

         (f)      carry out his duties and exercise his powers jointly with any
                  other director or executive of any member of the Group as
                  shall from time to time be appointed by the Board to act
                  jointly with the Executive and the Board may at any time
                  require the Executive to cease performing or exercising any of
                  his duties or powers under this Agreement; and

         (g)      comply with the relevant requirements of all applicable laws,
                  regulations, codes of practice and rules (including Securities
                  (Insider Dealing) Ordinance, the Rules Governing the Listing
                  of Securities on The Stock Exchange of Hong Kong Limited and
                  the Model Code for Securities Transactions by Directors of
                  Listed Companies set out in Appendix 10 therein and the rules
                  of any other stock exchange, market or dealing system on which
                  the securities of any member of the Group is traded and the
                  applicable laws, regulations, codes of practice in that
                  jurisdiction).

5.       REMUNERATION

         The remuneration of the Executive shall be:

         (a)      an annual salary of HK$1,000,000.00 (12 installments of
                  HK$75,000.00 each payable monthly in arrears and HK$100,000.00
                  payable upon completion of each full year of service), such
                  salary to include any sum receivable as director's fees or
                  other remuneration from any other member of the Group (if
                  any). This salary will be reviewed by the Board in each year
                  at the time of the annual salary reviews for senior executives
                  provided that the Executive shall abstain from voting and
                  shall not be counted in the quorum in respect of any
                  resolution regarding the amount payable to himself in relation
                  to his employment under this Agreement which is proposed at
                  any meeting of the Board;

         (b)      in respect of every financial year of the Company (which
                  expression shall include any other financial period in respect
                  of which the Company's accounts are made up), a discretionary
                  bonus of such amount as shall be determined by the Board
                  (provided that the aggregate of such amount and all
                  discretionary bonuses payable by the Company to its executive
                  directors in any financial year shall not exceed ten per cent.
                  of the net profits (after tax and after extraordinary items)
                  of the Company for such year as shown in its audited
                  accounts), payable within thirty (30) days after the Company's
                  accounts for the

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                  relevant year have been audited and certified, provided that
                  such discretionary bonus shall be paid only on a pro rata
                  basis in respect of any financial year of the Company during a
                  portion only of which the Executive has served the Company
                  hereunder, unless his employment shall have been terminated
                  pursuant to Clause 10.02, in which case no discretionary bonus
                  is payable.

6.       OTHER BENEFITS

6.01     In addition to the foregoing remuneration and benefits, the Executive
         shall also be entitled to the use of the corporate membership of the
         Group at Tower Club and the payment of all entrance fees, debentures,
         monthly subscriptions but not chits in connection therewith during the
         continuance of his employment hereunder, subject to determination by
         the Board as to the appropriate level of cost of each item.

6.02     In addition to the above benefits, the Executive shall also be entitled
         to such other benefits under any applicable employee benefit plan and
         employee share option scheme adopted by the Company and any member of
         the Group of which the Executive is a director or holds office for
         their respective employees (including the Executive) as the Board shall
         from time to time determine.

7.       EXPENSES

         The Company shall reimburse the Executive (against receipts or such
         other reasonable evidence of expenditure as the Board may require) for
         all reasonable expenses properly incurred in the course of his
         employment hereunder or in promoting or otherwise in connection with
         the business of the Company.

8.       DEDUCTIONS

         The Company shall be entitled, subject to any laws or agreements to the
         contrary, at any time to deduct from the Executive's remuneration
         hereunder any monies due from him to any member of the Group including,
         but not limited to, any outstanding loans, advances, the cost of
         repairing any damage to or loss of the Company's property caused by him
         (and of recovering the same) and any other monies owed by him to the
         Company or any of its subsidiaries.

9.       LEAVE

         The Executive shall be entitled after completion of each year of
         service with the Company to fifteen (15) days' leave (in addition to
         public holidays) with full pay, which leave shall be taken at such time
         or times as may be convenient to the Board having regard to the
         exigencies of the Group's business provided that:

         (a)      if the employment of the Executive hereunder is to cease on
                  the completion of

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                  any year of service, the Executive shall be entitled to take
                  his said leave immediately prior to the end of such year of
                  service notwithstanding that at that time such year of service
                  shall not have been completed;

         (b)      if the employment of the Executive hereunder is to cease (for
                  any reason other than termination pursuant to Clause 10.02)
                  during any year of service, the Executive shall be entitled to
                  an amount of leave proportionate to the part of the year
                  during which he has been employed by the Company, such leave
                  to be taken immediately prior to the termination of his
                  employment; and

         (c)      if for any reason the Executive shall not have taken his full
                  entitlement of leave in any particular year he shall not have
                  any claim against the Company in respect thereof nor, unless
                  the reason is the exigencies of the Company's business (of
                  which the Board shall be the sole judge), shall he be entitled
                  to additional leave in any year in respect of leave not taken
                  in previous years.

10.      TERMINATION

10.01    If the Executive is at any time incapacitated by illness, injury or
         accident from performing his duties hereunder and (if so required)
         furnishes the Board with evidence satisfactory to it of such incapacity
         and the cause thereof he shall be entitled to receive his full salary
         for the first three (3) months or any shorter period during which such
         incapacity continues and if he continues so incapacitated for a longer
         period than three (3) consecutive months or if he is so incapacitated
         at different times for more than ninety (90) days in any one period of
         fifty-two (52) consecutive weeks then and in either of such cases his
         employment may be terminated by the Company by one (1) month's notice
         in writing.

10.02    If at any time during the term of his employment hereunder the
         Executive shall be guilty of or commit any serious misconduct which in
         the absolute opinion of the Board is in any way detrimental to the
         interests of any member of the Group, or shall be in breach of any of
         the terms of this Agreement, or shall commit any act of bankruptcy or
         become insolvent, or make any arrangements or composition with his
         creditors generally, or become through mental disorder incapable of
         managing his own affairs, or fail to pay his personal debts or shall be
         guilty of persistent insobriety or be convicted of any criminal offense
         involving his integrity or honesty, the Company may terminate the
         Executive's employment hereunder forthwith without any notice or
         payment in lieu of notice and upon such termination, the Executive
         shall not be entitled to any bonus or any payment whatsoever (other
         than salary actually accrued due and payable pursuant to Clause 5(a))
         for or in respect of the then current year of service or to claim any
         compensation or damages for or in respect of or by reason of such
         termination.

10.03    In the event that: (a) the Executive is lawfully removed from his
         office as a director of the Company by virtue of a resolution passed by
         the members of the Company; or (b) the Executive, having retired from
         the office of director of the Company in accordance with the Bye-laws
         of the Company or any other applicable regulation or

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         law, is not re-elected as a director of the Company by the shareholders
         of the Company at an annual general meeting of the Company, the Company
         may within seven (7) days of the date of such vacation from office by
         the Executive, terminate this Agreement forthwith by written notice to
         the Executive.

10.04    In the event of termination of the Executive's employment for whatever
         reason, the Executive shall:

         (a)      (if not already vacated from such office(s)) forthwith resign
                  as a director of the Company and from all directorships or
                  other offices held by him in any member of the Group (and the
                  Executive irrevocably authorises the Company in his name and
                  on his behalf to execute all documents and do all things
                  necessary to effect such resignation in the event of his
                  failure to do so);

         (b)      shall vacate his office and return all properties of the
                  Company, including without limitation all equipment, vehicles,
                  fixtures, furniture, all originals or copies of any and all
                  notes, data, tapes, reference items, sketches, drawings,
                  memoranda, records, files, correspondence, customer lists and
                  addresses, and other materials or documents in any way
                  relating to any of the confidential information or to the
                  Company's business, which shall belong exclusively to the
                  Company; and

         (c)      shall cease to be entitled to any benefits under this
                  Agreement and the Executive shall not be entitled to claim any
                  other compensation whatsoever from the Company in respect of
                  such termination except where the Board otherwise agrees or as
                  expressly provided for under this Agreement.

10.05    Any delay or forbearance by the Company in exercising any right to
         terminate this Agreement shall not constitute a waiver of such right.

10.06    If notice is served by either party pursuant to Clause 3, then for up
         to a maximum period of three (3) months, the Company shall not be
         obliged, at any time after the notice of termination is served, to
         provide any work for the Executive or to assign to or vest in the
         Executive any powers, duties or functions and may in its absolute
         discretion suspend the Executive from work, and suspend the contractual
         benefits of the Executive set out in Clause 5(b) and 6 and to require
         the Executive to refrain from entering any premises of any member(s) of
         the Group and to refrain from contacting any customers, clients,
         employees or suppliers of any member(s) of the Group.

11.      EXECUTIVE'S UNDERTAKINGS

11.01    The Executive shall not either during the continuance of his employment
         hereunder or at any time thereafter divulge to any person whomsoever or
         to any body corporate or unincorporated (except to those officers of
         the Group whose province it is to know the same) or use for his own
         purposes or for any purposes other than those of the Group and shall
         use his best endeavours to prevent the unauthorised publication or
         disclosure of any trade secret or any confidential information
         concerning the business or finances

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         of any member of the Group or any of its dealings, transactions or
         affairs or those of its customers, suppliers, management and
         shareholders which may come to his knowledge during or in the course of
         his employment. Confidential information shall include, without
         limitation, lists or details of customers and suppliers, information
         relating to the working of any process of invention carried on or used
         by any member of the Group, information relating to research and other
         projects, prices, discounts, mark-ups, future business strategy and
         development, marketing, price-sensitive information and any other
         information which is not generally available to the public.

11.02    Forthwith upon the termination of the employment of the Executive
         hereunder, and/or at any other time if the Company shall so request:

         (a)      the Executive shall not, directly or indirectly, disseminate,
                  disclose, divulge, reveal, report, publish, transfer or use,
                  for any purpose whatsoever, any information which has been
                  obtained by or disclosed to the Executive as a result of or in
                  relation to the Executive's employment by the Company,
                  including without limitation any confidential information
                  (which includes without limitation all lists of customers and
                  clients, specific customer names and data, business plans,
                  marketing plans, business contracts, distribution and sales
                  and marketing networks, designs, specifications, processes,
                  formulas, trade secrets, business secrets, sales information,
                  systems, programs, procedures, manuals, financial and
                  personnel information, and any other proprietary information
                  or data which the Company has received in confidence from
                  others) and any of the terms and conditions of this Agreement;
                  provided, however, that disclosure of any confidential
                  information shall not be prohibited if (i) such disclosure is
                  directly pursuant to a valid and existing order of a court of
                  competent jurisdiction or other governmental body or agency,
                  (ii) the Executive shall first have given prompt notice to the
                  Company of any such possible or prospective order (or
                  proceeding pursuant to which any such order may result), and
                  (iii) the Company shall have been afforded a reasonable
                  opportunity to respond to (and if so advised by counsel, to
                  challenge) such order; provided further, that each party may
                  disclose terms and conditions of this Agreement to his or its
                  attorneys and accountants to the extent such disclosure is
                  necessary to enable such attorneys and accountants to render
                  professional services to such party;

         (b)      the Executive, his representatives, heirs, successors and
                  assigns shall completely release and forever discharge the
                  Company, its present, former or future parent, subsidiary,
                  affiliated, associated and other related companies, and any of
                  their present, former and future shareholders, directors,
                  officers, employees, agents, partners, consultants,
                  representatives and attorneys, and each of their successors
                  and assigns from all claims, demands, rights, causes of
                  action, obligations, liabilities and/or attorneys' fee claims,
                  of any and every kind, nature and character whatsoever
                  wheresoever, known or unknown, which the Executive may now
                  have or has ever had against the Group, including without
                  limitation those arising from or in any way connected with the
                  employment of the Executive by the Company or the resignation
                  or termination thereof, whether based on tort, express or
                  implied contract, law,

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                  rule, regulation or ordinance; and

(c)               the Executive shall preserve the good name of, and shall not
                  make any disparaging comments about the Group and any of the
                  Company's present, former and future shareholders, directors,
                  officers, employees, agents, partners, consultants,
                  representatives and attorneys, and each of their successors
                  and assigns.

11.03    The Executive shall not file, or cause to be filed, in any court or
         with any governmental or quasi-governmental agency, any action, claim
         or charge against the Company, its present, former or future parent,
         subsidiary, affiliated, associated and other related companies and any
         of their present, former and future shareholders, directors, officers
         and employees and each of their succesors and assigns.

11.04    The Executive shall not at any time during the continuance of his
         employment hereunder or for a period of twelve (12) months thereafter,
         in any country or place where any member of the Group has carried on
         business, carry on or be employed or interested directly or indirectly
         in (whether as shareholder, director, partner, agent or otherwise and
         whether alone or jointly with others) any business carried on by any
         member of the Group during the continuance of the said employment in
         competition with any member of the Group (other than as a holder of not
         more than five (5) per cent of the issued shares, debentures or other
         securities of any company listed on any recognised stock exchange)
         provided that the provisions of this Clause 11.04 shall only apply in
         respect of business activities or services with which the Executive was
         personally concerned or for which he was responsible during his said
         employment.

11.05    The Executive shall not at any time during the continuance of his
         employment hereunder or for a period of twelve (12) months thereafter
         either on his own account or in conjunction with or on behalf of any
         other person or body corporate or unincorporated in competition with
         any member of the Group directly or indirectly solicit or entice away
         from any member of the Group, any person or body corporate or
         unincorporated who now is or at any time during or at the date of the
         termination of the said employment may have been or become a customer
         or supplier or prospective customer or supplier of any member of the
         Group and with whom the Executive had personal contact or dealings
         during his said employment.

11.06    The Executive shall not at any time during the continuance of his
         employment hereunder or for a period of twelve (12) months thereafter
         solicit or entice away from any member of the Group or employ or
         otherwise engage any person who now is or at any time during or at the
         date of the termination of the said employment may have become an
         employee of any member of the Group and with whom the Executive had
         contact during his said employment, whether or not such person would
         commit any breach of his contract of employment by reason of leaving
         the service of the relevant member of the Group.

11.07    The Executive shall not at any time or for any purpose after
         termination of his employment hereunder use either the English or
         Chinese name of the Company or any name similar thereto in connection
         with his own or any other name in any way

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         calculated to suggest that he is or has been connected with the
         Company's business, nor in any way hold himself out as having had any
         such connection.

11.08    While the restrictions contained in Clauses 11.01 to 11.06 are
         considered by the parties to be reasonable for the protection of the
         business and interest of the Group and in all the circumstances and do
         not work harshly upon the Executive it is recognised that restrictions
         of the nature in question may fail for technical reasons unforeseen and
         accordingly it is hereby agreed and declared that if any such
         restrictions shall be adjudged to be void as going beyond what is
         reasonable in all the circumstances for the protection of the interests
         of the member(s) of the Group but would be valid if part of the wording
         thereof were deleted or the periods (if any) thereof were reduced or
         the range of products or area dealt with thereby were reduced in scope,
         the said restriction shall apply with such modifications as may be
         necessary to make it valid and effective.

12.      INTELLECTUAL PROPERTY RIGHTS

12.01    The Company (or any other member of the Group as the case may be) shall
         be entitled free of charge to the sole ownership and exclusive use of
         any invention or improvement made or discovered by the Executive and of
         any copyright, design right, trade mark, service mark or trade name
         created or used by the Executive (hereinafter referred to as the
         "intellectual property rights") in the course of or for the purpose of
         providing services hereunder to the Company or any other member of the
         Group.

12.02    The Executive shall forthwith and from time to time both during and
         after the term of this Agreement and at the request and cost of the
         Company, insofar as it is within his power, do such acts and things and
         execute such documents, as may in the opinion of the Company be
         reasonably necessary for obtaining letters patent, registration or
         other protection for any such intellectual property rights in any part
         of the world and shall effect such registration and vest such letters
         patent or other protection in the Company (or any other member of the
         Group as the case may be) or its nominees. The Executive irrevocably
         authorises the Company for the purposes aforesaid in the name of the
         Executive and execute any document or do anything on his behalf. The
         Executive shall at the cost and request of the Company render all
         reasonable assistance to the Company (or any other member of the Group
         as the case may be) for and in connection with the purposes aforesaid.

12.03    The Executive shall not during or after the termination of the
         Agreement use to the detriment or prejudice of the Group or divulge to
         any person any confidential information concerning the intellectual
         property rights of the Group which may have come to his knowledge.

13.      MISCELLANEOUS

13.01    This Agreement shall be in substitution for any subsisting agreement or
         arrangement (oral or otherwise) made between the Company and the
         Executive which shall be

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         deemed to have been terminated by mutual consent as from the date on
         which the Executive's employment under this Agreement commences.

13.02    The expiration or termination of this Agreement howsoever arising shall
         not operate to affect such of the provisions hereof as in accordance
         with their terms are expressed to operate or have effect thereafter.

13.03    In the event of any variation of the remuneration payable to the
         Executive hereunder being made by consent of the parties hereto, such
         variation shall not constitute a new agreement but (subject to any
         express agreement to the contrary) the employment of the Executive
         hereunder shall continue subject in all respects to the terms and
         conditions of this Agreement with such variation as aforesaid.

13.04    Each notice, demand or other communication given or made under this
         Agreement shall be in writing and delivered or sent to the relevant
         party at its address or facsimile number set out below (or such other
         address or facsimile number as the addressee has by five (5) days'
         prior written notice specified to the other parties):

         To the Company:            Man Sang International Limited
                                    21st Floor, Railway Plaza
                                    39 Chatham Road South Tsirnshatsui,
                                    Kowloon Hong Kong
                                    Fax number: (852) 2317 5243
                                    Attention:  Mr. Cheng Chung Hing

          To the Executive:         Wong Ka Ming
                                    20F, One Park Towers
                                    1 King's Road
                                    Hong Kong

         Any notice, demand or other communication so addressed to the relevant
         party shall be deemed to have been delivered (a) if given or made by
         letter, by post, two (2) clear business days after the date of posting,
         or by recorded delivery, when actually delivered to the relevant
         address; and (b) if given or made by facsimile, when despatched subject
         to receipt of machine-printed confirmation of error-free despatch of
         the whole of the notice, demand or communication to the facsimile
         number of the intended addressee.

13.05    If at any time any provision of this Agreement is or becomes illegal,
         invalid or unenforceable in any respect, the legality, validity and
         enforceability of the remaining provisions of this Agreement shall not
         be affected or impaired thereby.

13.06    No failure or delay by the Company in exercising any right, power or
         remedy under this Agreement shall operate as a waiver thereof, nor
         shall any single or partial exercise of the same preclude any further
         exercise thereof or the exercise of any other right, power or remedy.
         Without limiting the foregoing, no waiver by the Company of any breach
         by the Executive of any provision in this Agreement shall be deemed to
         be a waiver of any subsequent breach of that or any other provision in
         this Agreement.

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13.07    This Agreement shall be governed by and construed in accordance with
         the laws of Hong Kong and the parties hereby irrevocably submit to the
         non-exclusive jurisdiction of the Hong Kong courts.

IN WITNESS WHEREOF this Agreement has been executed on the day and year first
above written.

SIGNED by Cheng Chung Hing
for and on behalf of MAN SANG
INTERNATIONAL LIMITED
in the presence of:

SIGNED by
WONG KA MING in the presence of:

                                     - 58 -<PAGE>   1
                                  EXHIBIT 10.20

                              AGREEMENT FOR CONSENT

         THIS AGREEMENT FOR CONSENT (THE "AGREEMENT"), is made as of the 28 day
of January, 2000 (the "Closing Date") among PNC BANK, NATIONAL ASSOCIATION, a
national banking association, having an address at 2 Tower Center, East
Brunswick, New Jersey 08816 (the "Lender"); COACTIVE MARKETING GROUP, INC.,
(formerly known as Inmark Enterprises, Inc. ("Enterprises")), a Delaware
corporation ("CoActive"); U.S. CONCEPTS, INC., a Delaware Corporation ("USC");
INMARK SERVICES, INC., a Delaware corporation ("Services"), and OPTIMUM GROUP,
INC., an Ohio corporation (formerly, OG Acquisition Corp.) ("New OGI" and
together with Services and USC, the "Borrower"). CoActive, USC, Services, and
New OGI are collectively referred to herein as the "Inmark Group".

                                   WITNESSETH:

         WHEREAS, Lender is the holder of a certain Term Note dated March 31,
1998 made by Services and New OGI in the principal amount of $5,000,000 ("Term
Note"); and

         WHEREAS, on December 29, 1998, the Term Note was amended and restated
to include USC as an obligor on the Term Note (the "Amended Term Note"); and

         WHEREAS, Lender is the holder of a certain Revolving Note dated March
31, 1998 made by Services and New OGI in the principal amount of $5,000,000
("Revolving Note"); and

         WHEREAS, on December 29, 1998, the Revolving Note was amended and
restated to include USC as an obligor on the Revolving Note; and

         WHEREAS, the Revolving Note was again amended and restated on January,
1999 and on June 29, 1999 (the "Third Revolving Note"); and

         WHEREAS, Lender, Enterprises, Services and New OGI entered into a Loan
Agreement dated as of March 31, 1998 ((i) as amended by a First Amendment to
Loan Documents dated as of December 29, 1998 to which USC became a party, (ii)
as amended by a Second Amendment to Loan Documents dated as of January 14, 1999,
(iii) as amended by Third Amendment to Loan Documents dated as of June 30, 1999,
and (iv) as amended by a Fourth Amendment to Loan Documents dated as of November
19, 1999) (the "Loan Agreement"); and

         WHEREAS, the Third Revolving Note and the Amended Term Note are secured
as provided in the Loan Agreement and by such other documents as have been
executed to effectuate the terms of the Loan Agreement, which documents include,
but are not limited to a Security Agreement, Guaranty of Enterprises, and a
Pledge Agreement (all such documents collectively referred to as the "Loan
Documents"); and

         WHEREAS, CoActive wishes to invest in Garcia Baldwin, Inc. (d/b/a
Market Vision) ("Market Vision") pursuant to a certain Subscription Agreement;
and
<PAGE>   2
         WHEREAS, the Borrower has requested that the Lender consent to
CoActive's investment in Market Vision;

         NOW THEREFORE, for and in consideration of the premises (which are
deemed herein contained) and other good and valuable consideration, the receipt
and adequacy of which are hereby acknowledged, the parties agree as follows:

1.       RECITALS INCORPORATED.
         The Recitals set forth above are true and correct and are hereby
incorporated into this Consent Agreement as if set forth at length herein.

2.       PRINCIPAL AMOUNTS OUTSTANDING.
         The Borrower acknowledges that:

(a)      the outstanding principal balance due by the Borrower under the Amended
         Term Note is, as of January 11, 2000 equal to the sum of $3,485,000,
         together with unpaid interest; and
(b)      the outstanding principal balance due by the Borrower under the Third
         Revolving Note, is as of January 11, 2000 equal to the sum of
         $5,000,000, together with unpaid interest.

The Borrower hereby represents, warrants and confirms that there are no set-off
rights, claims or causes of action of any nature whatsoever which the Borrower
has or may assert against the Lender under the Amended Term Note, Third
Revolving Note or the other Loan Documents.

3.       NO WAIVER OR FORBEARANCE.
         The execution of this Agreement and the consummation of the transaction
contemplated in this Agreement is not, and shall not be deemed to constitute, a
waiver, forbearance or cure of any default arising prior or subsequent to the
date of this Agreement. The Borrower represents that no events of default exist
which have not been disclosed to the Lender. The Borrower agrees that no delay
on the part of Lender in exercising any power or right shall operate as a waiver
or forbearance of any such power or right or preclude the further exercise of
any other power or right. The remedies herein are cumulative and not exclusive
of any remedies provided by law. Any notice to or demand given under the terms
of this Agreement shall not entitle the Borrower to further notice or demand
under any other Loan Document.

4.       RELEASE OF LENDER.
         As additional consideration for the consent as set forth herein,
Borrower hereby remises, releases, waives and forever discharges Lender and its
predecessors, successors and assigns, its parents, subsidiaries, officers,
directors, members, shareholders, agents, employees, representatives, attorneys
and any affiliated companies, their parents, subsidiaries, officers, directors,
shareholders, agents, employees, representatives and attorneys (collectively,
the "Released Parties") from any and all claims, demands, damages, actions or
causes of action whatsoever, known or unknown, from the beginning of time
through the date of this Agreement, related to the Loan Documents or the
administration of any of the above.

5.       TERMS OF CONSENT.
         The Borrower has requested and the Lender has agreed to consent to the
CoActive investment in Market Vision on the following terms:

                                      -2-
<PAGE>   3
(a.)     Anything in the Loan Documents notwithstanding, Borrower shall make
         principal payments to the Lender in respect of the Amended Term Note in
         three equal payments of not less than $166,666.67 (the "Accelerated
         Payment"). Each Accelerated Payment shall be paid so as to be received
         by Lender on or before January 31, 2000, February 29, 2000 and March
         31, 2000, respectively. The Accelerated Payments replace the payment
         due under paragraph 5 of the Fourth Amendment to Loan Documents,
         executed on November 19, 1999. The Lender acknowledges receipt of the
         first Accelerated Payment in the amount of $175,000 due on or before
         January 31, 2000; and,
(b.)     In order to finance the Market Vision investment, not less than
         $1,000,000 of additional equity shall be invested in CoActive. At the
         time of the investment of the additional equity, the Borrower shall
         make a principal payment to the Lender in respect of the Amended Term
         Note of $500,000 (the "Additional Payment"). If the Additional Payment
         is not received on or before February 10, 2000, the Lender's consent to
         CoActive's investment in Market Vision will be deemed withdrawn.

6.       NO LEGAL RESTRAINT.
         The Borrower represents that no (i) litigation, investigation or other
proceeding of or before any Governmental Authority is pending or, to the best of
knowledge of each member of the Inmark Group, threatened against any member of
the Inmark Group or any of its properties or revenues that could have a Material
Adverse Effect or (ii) injunction, writ, restraining order or any order of any
nature has been issued by any governmental Authority directing that the
transactions provided for in this Amendment not be consummated as therein
provided.

7.       CONDITION SUBSEQUENT.
         This Agreement shall become automatically void and of no force and
effect if on or prior to February 10, 2000 Lender shall not have received a
certificate from the Secretary or an Assistant Secretary of each member of the
Inmark Group, dated the Closing Date, certifying (as applicable) that (i)
attached to each such certificate is a true, complete and correct copy of the
resolutions of the Board of Directors of such member of the Inmark Group
authorizing among other things the execution, delivery and performance of this
Agreement and (ii) such resolutions have not been amended, modified, revoked or
rescinded since the dates on which they were adopted and (iii) the incumbency
and signature of each officer signing this Agreement and any other certificate
or other document to be delivered pursuant hereto (and another officer of such
member of the Inmark Group shall certify as to the incumbency of such Secretary
or Assistant Secretary).

8.       CONTINUED VALIDITY OF ORIGINAL LOAN DOCUMENTATION.
         Except as otherwise provided herein, the Loan Documents and all other
documents executed in connection therewith, shall continue unchanged in full
force and effect, in accordance with their respective terms, and the parties
hereto hereby expressly confirm and reaffirm all of their respective
liabilities, obligations, representations, warranties, duties and
responsibilities under and pursuant to said Loan Documents, including, but not
limited to, section 5.1 of the Loan Agreement.

9.       CONSENT AGREEMENT CONTROLS.
         In the event of a conflict between the terms and conditions of this
Agreement and the terms and conditions of the Loan Documents, the terms and
conditions of this Agreement shall control.

                                      -3-
<PAGE>   4
10.      INDEMNIFICATION.
         (a) The Borrower hereby indemnifies and agrees to protect, defend and
hold harmless the Lender, any entity which "controls" the Lender within the
meaning of Section 15 of the Securities Act of 1933, as amended, or is under
common control with the Lender, and any member, officer, director, official,
agent, employee or attorney of the Lender, and their respective heirs,
administrators, executors, successors and assigns (collectively, the
"Indemnified Parties"), from and against any and all losses, damages, expenses
or liabilities of any kind or nature and from any suits, claims or demands,
including reasonable attorneys' fees incurred defending such claim, suffered by
any of them and caused by, relating to, arising out of, resulting from, or in
any way connected with the Loan Documents, this Agreement or the transactions
contemplated therein or herein including, without limitation: (i) any untrue
statement of a material fact contained in information submitted to Lender by the
Borrower or the omission of any material fact necessary to be stated therein in
order to make such statement not misleading or incomplete; and (ii) the failure
of the Borrower to perform any obligations herein required to be performed by
the Borrower, except that the Borrower shall not be required to indemnify the
Lender for their gross negligence or willful misconduct. In case any action
shall be brought against Lender or any other Indemnified Party in respect to
which indemnity may be sought against the Borrower, Lender shall promptly notify
the Borrower and the Borrower shall assume the defense thereof, and the payment
of all costs and expenses. Lender may select and employ counsel, provided that
the Borrower shall pay all of such counsel's fees, expenses and disbursements
and the Borrower shall indemnify Lender for any loss associated with or
resulting from such representation. The failure of Lender to so notify the
Borrower shall not relieve the Borrower of any liability they may have under the
foregoing indemnification provisions or from any liability which they may
otherwise have to Lender or any of the other Indemnified Parties, except to the
extent such failure to notify results in unreasonable prejudice to the Borrower.
Lender shall not be liable for any settlement of any such action effected
without their written consent, but if settled with the Borrower's consent, or if
there be a final judgment for the claimant in any such action, the Borrower
agrees to indemnify and save harmless Lender from and against any loss or
liability by reason of such settlement or judgment.
         (b) The provisions of this Section shall survive the term of this
Agreement and the repayment or other satisfaction of the Amended Term Note and
Third Revolving Note.

11.      PAYMENT OF LENDER'S EXPENSES AND LEGAL FEES.
         The Borrower shall pay for all reasonable costs and expenses, including
attorneys fees, incurred by Lender in connection with the negotiation,
preparation and execution of this Agreement.

12.      NO NOVATION.
         It is the intention of the parties hereto that this Agreement shall not
constitute a novation and shall in no way adversely affect or impair the lien
priority of any of the Loan Documents.

13.      SURVIVAL PROVISIONS.
         The covenants, representations and obligations contained in this
Agreement shall survive the execution of all transactions contemplated by this
Agreement, and this Agreement shall bind

                                      -4-
<PAGE>   5
and benefit the parties hereto and their respective heirs, executors,
administrators, personal representatives, successors and assigns.

14.      ENTIRE AGREEMENT.
(a)      This Agreement and the Loan Documents contain all of the covenants,
representations, warranties and agreements between the parties with respect to
the subject matters contained herein, and supercedes all prior agreements and
understandings, both written and oral, between the parties with respect to the
subject matter hereof. The parties to this Agreement acknowledge that all the
terms of this Agreement were negotiated at arm's length and after adequate and
independent investigation on their respective parts and that this Agreement and
all documents executed in connection therewith were prepared and executed
without duress, undue influence or coercion of any kind exerted by any party
upon the other.
(b)      Each party acknowledges and confirms that it has not relied upon Lender
or any officer, director or employee of the Lender, or upon the advice of any
but its own accountants or counsel, concerning any aspect of the transactions
contemplated by this Agreement including, without limitation, the tax
implications thereof and the representations herein made.

15.      FURTHER ASSURANCES.
         The parties hereto agree to execute all such further instruments and
take all such further action that may be reasonably required by any party to
fully effectuate the terms and provisions of this Agreement and the transaction
contemplated herein.

16.      NOTICE TO THE LENDER.
         Any notices or other communications required to be given to the Lender
under the Loan Documents shall be sent in the manner contemplated under the Loan
Documents, addressed as follows:

                           PNC Bank, National Association
                           2 Tower Center
                           East Brunswick, New Jersey  08816
                           Attention:  David Jensen
                                       Vice President
                           Facsimile:  732-220-3499

With a copy to:

                           McCarter & English, LLP
                           Four Gateway Center
                           100 Mulberry Street
                           Newark, New Jersey  07102
                           Attention:  Lisa Bonsall, Esq.
                           Facsimile:  973-624-7070

17.      PARTICIPATIONS.
         Lender expressly retains and reserves its rights to sell and assign its
interests under the Loan Documents and this Agreement and fully disclose its
files in connection with the Loan

                                      -5-
<PAGE>   6
Documents, and/or any collateral pledged in connection therewith (the
"Collateral"), to potential purchasers of the Lender's interests under the Loan
Documents.

18.      NO MODIFICATION OF AGREEMENT EXCEPT IN WRITING.
         The within Agreement encompasses all the terms between the parties,
notwithstanding any verbal communications between the parties. No further terms
shall be deemed effective, unless in writing, executed by both parties. The
parties hereto acknowledge the provisions of N.J.S.A. 25:1-5, which precludes
enforcement, inter alia, of any oral promises relating to extensions of credit
and agree that its provisions are fully applicable to this Agreement.

19.      WAIVER OF JURY TRIAL.
         THE BORROWER AND LENDER HEREBY WAIVE ANY RIGHT TO REQUEST A TRIAL BY
JURY IN ANY LITIGATION WITH RESPECT TO ANY ASPECT OF THIS AGREEMENT OR THE LOAN
DOCUMENTS. THE BORROWER ACKNOWLEDGES THAT IT HAS HAD THE OPPORTUNITY TO CONSULT
WITH INDEPENDENT COUNSEL WITH RESPECT TO THIS WAIVER.

20.      GOVERNING LAW.
         This Agreement shall be construed and enforced in accordance with the
laws of New York without regard to principles of conflicts of law.

21.      EVENT OF DEFAULT.
         Failure to timely make any payment contemplated in this Agreement, or
the breach of any representation or warranty contained herein shall constitute
an event of default ("Event of Default") under the Loan Documents.
         The Borrower's breach of any other representation or warranty contained
in, or its failure to comply with any term or covenant of any of the Loan
Documents, and/or any other document executed in connection with the foregoing,
shall constitute an Event of Default.
         Upon the occurrence of an Event of Default Lender shall be free to
pursue all of its legal and equitable rights and remedies including, but not
limited to, all of its remedies under the Loan Documents, this Agreement and any
documents executed in connection herewith.

22.      CONSTRUCTION.
         The parties hereto agree that the terms and language of this Agreement
were the result of negotiations between the parties and, as a result, there
shall be no presumption that any ambiguities in this Agreement shall be resolved
against either party. Any controversy over the construction of this Agreement
shall be decided neutrally, in light of its conciliatory purposes, and without
regard to events of authorship or negotiation. All terms and words used in this
Agreement, regardless of the number and gender in which used, shall be deemed to
include any other number or gender as the context or use thereof may require. If
more than one person or entity is named as the Borrower, each such person or
entity shall be jointly and severally liable for the representations,
warranties, covenants and obligations of the Loan Documents and this Agreement.
The captions contained in this Agreement are used for convenience of reference
only and in no way define limit or describe the scope or intent of this
Agreement or any particular paragraph or section hereof or the proper
construction hereof.

23.      ADMISSIBILITY.

                                      -6-
<PAGE>   7
         The terms of this Agreement, when executed, shall be fully admissible
in any court of law. The parties hereto waive any objection that may be
interposed under any state or federal rules of evidence as to the admissibility
of this document.

24.      NO THIRD PARTY BENEFICIARIES.
         It is not the intent of the parties who are signatories to this
Agreement to grant any rights whatsoever to parties who are not signatories to
this Forbearance Agreement and no provision of this Agreement should be
construed to grant any rights to any party who is not a signatory herein.

25.      COUNTERPARTS.
         This Amendment may be executed in several counterparts, each of which,
when executed and delivered, shall be deemed an original, and all of which
together shall constitute one agreement.

26.      ASSIGNMENT.
         This Agreement shall be binding upon and inure to the benefit of Lender
the Borrower and their respective permitted heirs, successors and assigns. The
Borrower shall not assign this Agreement without the prior written consent of
Lender.

THE BORROWER DECLARES THAT EACH PARTY TO THIS AGREEMENT HAS RECEIVED, WITHOUT
CHARGE, A TRUE COPY OF THIS AGREEMENT.

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

                                         COACTIVE MARKETING GROUP, INC.
                                         (f/k/a Inmark Enterprises, Inc.)

Attest: /s/ Gloria Perilovaris           By: /s/ Donald A. Bernard
       ---------------------------          ----------------------------
                                         Name/Title Donald A. Bernard
                                                      Executive Vice President

                                         U.S. CONCEPTS, INC.
                                         (a Delaware corporation)

Attest: /s/ Gloria Perilovaris           By: /s/ Donald A. Bernard
       ---------------------------          ----------------------------
                                         Name/Title Donald A. Bernard
                                                      Executive Vice President

                                         INMARK SERVICES, INC.

Attest: /s/ Gloria Perilovaris           By: /s/ Donald A. Bernard
       ---------------------------          ----------------------------
                                         Name/Title Donald A. Bernard
                                                      Executive Vice President

                                      -7-
<PAGE>   8
                                         OPTIMUM GROUP, INC.

Attest: /s/ Gloria Perilovaris           By: /s/ Donald A. Bernard
       ---------------------------          ----------------------------
                                         Name/Title Donald A. Bernard
                                                      Executive Vice President

                                         PNC BANK, N.A.

Attest: /s/ Arura Unger                  By:  /s/ David Jensen
       ---------------------------          ----------------------------
                                         Name/Title David Jensen, Vice President

                                      -8-

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