Document:

CREATIVE VISTAS, INC. AND CERTAIN OF ITS SUBSIDIARIES
                            MASTER SECURITY AGREEMENT

To:   Laurus Master Fund, Ltd.
      c/o M&C Corporate Services Limited
      P.O. Box 309 GT
      Ugland House
      South Church Street
      George Town
      Grand Cayman, Cayman Islands

Date: September 30, 2004

To Whom It May Concern:

      1. To secure  the  payment  of all  Obligations  (as  hereafter  defined),
Creative Vistas, Inc., an Arizona corporation (the "Company"), each of the other
undersigned  parties  (other than Laurus Master Fund,  Ltd,  "Laurus")) and each
other entity that is required to enter into this Master Security Agreement (each
an "Assignor" and,  collectively,  the "Assignors") hereby assigns and grants to
Laurus a continuing security interest in all of the following property now owned
or at any time hereafter acquired by any Assignor,  or in which any Assignor now
have or at any time in the future may acquire any right,  title or interest (the
"Collateral"):  all  cash,  cash  equivalents,  accounts,  accounts  receivable,
deposit accounts (including, without limitation, (x) the Restricted Account (the
"Restricted  Account")  maintained  at North Fork Bank (Account  Name:  Creative
Vistas, Inc., Account Number:  2704053277) referred to in the Restricted Account
Agreement) and (y) any deposit accounts related to the lockbox maintained at the
Lockbox  Bank (as defined in the  Security  Agreement  referred to below) or any
other  financial   institution),   inventory,   equipment,   goods,   documents,
instruments (including, without limitation,  promissory notes), contract rights,
general intangibles (including,  without limitation,  payment intangibles and an
absolute  right to license  on terms no less  favorable  than  those  current in
effect among our affiliates), chattel paper, supporting obligations,  investment
property  (including,  without  limitation,  all equity  interests  owned by any
Assignor),   letter-of-credit   rights,   trademarks,   trademark  applications,
tradestyles,  patents, patent applications,  copyrights,  copyright applications
and other intellectual  property in which any Assignor now have or hereafter may
acquire  any  right,  title or  interest,  all  proceeds  and  products  thereof
(including,  without  limitation,  proceeds  of  insurance)  and all  additions,
accessions  and  substitutions  thereto or therefore.  In the event any Assignor
wishes to finance  the  acquisition  in the  ordinary  course of business of any
hereafter  acquired  equipment and have  obtained a commitment  from a financing
source to finance such equipment from an unrelated third party, Laurus agrees to
release its security interest on such hereafter  acquired  equipment so financed
by such third party financing source.  Except as otherwise  defined herein,  all
capitalized  terms used herein shall have the meaning provided such terms in the
Securities  Purchase  Agreement  referred  to below and the  Security  Agreement
referred to below, as applicable.
<PAGE>

      2. The term "Obligations" as used herein shall mean and include all debts,
liabilities and obligations  owing by each Assignor to Laurus arising under, out
of, or in connection with: (i) that certain Securities  Purchase Agreement dated
as of the date hereof by and  between  the  Company and Laurus (the  "Securities
Purchase  Agreement")  and  (ii)  the  Related  Agreements  referred  to in  the
Securities Purchase Agreement, (iii) that certain Security Agreement dated as of
the date hereof by and between the Company and Laurus (the "Security Agreement")
and (iv) the Ancillary  Agreements  referred to in the Security  Agreement  (the
Securities Purchase Agreement and each Related Agreement, the Security Agreement
and each  Ancillary  Agreement,  as each may be amended,  modified,  restated or
supplemented  from  time to time,  are  collectively  referred  to herein as the
"Documents"),  and in connection  with any documents,  instruments or agreements
relating to or executed  in  connection  with the  Documents  or any  documents,
instruments  or agreements  referred to therein or otherwise,  and in connection
with any other  indebtedness,  obligations  or  liabilities  of any  Assignor to
Laurus,  whether  now  existing  or  hereafter  arising,   direct  or  indirect,
liquidated or unliquidated,  absolute or contingent,  due or not due and whether
under,  pursuant to or evidenced by a note, agreement,  guaranty,  instrument or
otherwise, in each case, irrespective of the genuineness,  validity,  regularity
or enforceability of such  Obligations,  or of any instrument  evidencing any of
the  Obligations or of any collateral  therefor or of the existence or extent of
such collateral, and irrespective of the allowability, allowance or disallowance
of any or all of the  Obligations  in  any  case  commenced  by or  against  any
Assignor  under Title 11, United States Code,  the Bankruptcy and Insolvency Act
(Canada),  or the  Companies'  Creditors  Arrangement  Act (Canada),  including,
without   limitation,   obligations  or   indebtedness   of  each  Assignor  for
post-petition interest,  fees, costs and charges that would have accrued or been
added to the Obligations but for the commencement of such case.

      3. Each Assignor  hereby  jointly and severally  represents,  warrants and
covenants to Laurus that:

            (a) it is a corporation,  trust,  partnership  or limited  liability
      company,  as the case  may be,  validly  existing,  in good  standing  and
      organized or established  under the respective laws of its jurisdiction of
      organization  set forth on  Schedule  A, and each  Assignor  will  provide
      Laurus thirty (30) days' prior written  notice of any change in any of its
      respective jurisdiction of organization;

            (b) its legal name is as set forth in its respective  Certificate of
      Incorporation or other organizational  document (as applicable) as amended
      through  the  date  hereof  and as set  forth on  Schedule  A, and it will
      provide Laurus thirty (30) days' prior written notice of any change in its
      legal name;

            (c) its organizational  identification  number (if applicable) is as
      set forth on Schedule A hereto,  and it will  provide  Laurus  thirty (30)
      days'  prior  written  notice of any  change in any of its  organizational
      identification number;

            (d) it is the lawful owner of the  respective  Collateral and it has
      the sole right to grant a security  interest  therein  and will defend the
      Collateral against all claims and demands of all persons and entities;

                                       2
<PAGE>

            (e) it will  keep its  respective  Collateral  free and clear of all
      attachments,  levies, taxes, liens, security interests and encumbrances of
      every kind and nature  ("Encumbrances"),  except (i) Encumbrances securing
      the  Obligations,  (ii) to the  extent  said  Encumbrance  does not secure
      indebtedness  in excess of  $50,000  and such  Encumbrance  is  removed or
      otherwise  released within ten (10) days of the creation thereof and (iii)
      Permitted Liens (as defined in the Security Agreement);

            (f) it will, at its and the other  Assignors  joint and several cost
      and expense keep the Collateral in good state of repair (ordinary wear and
      tear  excepted) and will not waste or destroy the same or any part thereof
      other than ordinary course discarding of items no longer used or useful in
      its or such other Assignors' business;

            (g) it  will  not  without  Laurus'  prior  written  consent,  sell,
      exchange,  lease or otherwise dispose of the Collateral,  whether by sale,
      lease or  otherwise,  except  for the sale of  inventory  in the  ordinary
      course of business  and for the  disposition  or transfer in the  ordinary
      course of  business  during  any  fiscal  year of  obsolete  and  worn-out
      equipment or equipment no longer  necessary for its ongoing needs,  having
      an  aggregate  fair market  value of not more than $50,000 and only to the
      extent that:

                  (i) the proceeds of any such  disposition  are used to acquire
            replacement  Collateral  which is subject to Laurus' first  priority
            perfected security interest,  or are used to repay Obligations or to
            pay general corporate expenses; and

                  (ii)  following  the  occurrence  of an Event of Default which
            continues  to exist the  proceeds of which are remitted to Laurus to
            be held as cash collateral for the Obligations;

            (h) it will insure or cause the  Collateral to be insured in Laurus'
      name against loss or damage by fire, theft, burglary,  pilferage,  loss in
      transit  and such other  hazards as Laurus  shall  specify in amounts  and
      under policies by insurers  acceptable to Laurus and all premiums  thereon
      shall be paid by such  Assignor and the policies  delivered to Laurus.  If
      any such Assignor  fails to do so,  Laurus may procure such  insurance and
      the cost thereof shall be promptly  reimbursed by the  Assignors,  jointly
      and severally, and shall constitute Obligations;

            (i)  it  will  at all  reasonable  times  allow  Laurus  or  Laurus'
      representatives  free  access  to  and  the  right  of  inspection  of the
      Collateral;

            (j) such Assignor  (jointly and severally with each other  Assignor)
      hereby indemnifies and saves Laurus harmless from all loss, costs, damage,
      liability  and/or  expense,  including  reasonable  attorneys'  fees, that
      Laurus may sustain or incur to enforce payment, performance or fulfillment
      of  any of the  Obligations  and/or  in the  enforcement  of  this  Master
      Security  Agreement  or in the  prosecution  or  defense  of any action or
      proceeding  either  against  Laurus or any Assignor  concerning any matter
      growing  out of or in  connection  with this  Master  Security  Agreement,
      and/or any of the Obligations  and/or any of the Collateral  except to the
      extent caused by Laurus' own gross  negligence or willful  misconduct  (as
      determined  by  a  court  of  competent   jurisdiction   in  a  final  and
      nonappealable decision).

                                       3
<PAGE>

      4. The  occurrence  of any of the  following  events or  conditions  shall
constitute an "Event of Default" under this Master Security Agreement:

            (a) any  covenant,  warranty,  representation  or statement  made or
      furnished  to Laurus  by the  Assignor  or on the  Assignor's  behalf  was
      breached in any  material  respect or false in any  material  respect when
      made or furnished,  as the case may be, and, in the case of a covenant, if
      subject to cure, shall not be cured for a period of fifteen (15) days;

      (b) the loss, theft, substantial damage, destruction,  sale or encumbrance
      to or of  any of the  Collateral  (other  than  to  the  extent  otherwise
      permitted  hereunder)  or the making of any levy,  seizure  or  attachment
      thereof or thereon except to the extent:

                  (i) such loss is covered by insurance  proceeds which are used
            to replace the item or repay Laurus; or

                  (ii)  said  levy,   seizure  or  attachment  does  not  secure
            indebtedness  in  excess  of  $100,000  and such  levy,  seizure  or
            attachment  has not been  removed or otherwise  released  within ten
            (10) days of the creation or the assertion thereof;

            (b) any Assignor shall become insolvent, cease operations, dissolve,
      terminate our business  existence,  make an assignment  for the benefit of
      creditors,  suffer the appointment of a receiver,  trustee,  liquidator or
      custodian of all or any part of Assignors' property;

            (c) any proceedings  under any bankruptcy or insolvency law shall be
      commenced  by or against any Assignor  which,  in the case of a proceeding
      commenced against any such Assignor,  remains  undismissed for a period of
      60 days;

            (d) the  Company  shall  repudiate,  purport  to  revoke  or fail to
      perform any or all of its  obligations  under any Note  (after  passage of
      applicable cure period, if any); or

            (e) an Event of Default shall have occurred  under and as defined in
      any Document.

      5. Upon the  occurrence of any Event of Default and the  expiration of any
applicable  grace periods,  and at any time  thereafter,  Laurus may declare all
Obligations  immediately due and payable and Laurus shall have the remedies of a
secured party provided in the Uniform  Commercial Code as in effect in the State
of New York, the Personal  Property Security Act as in effect in the Province of
Ontario,  or any  other  applicable  federal  or  provincial  personal  property
security act, this  Agreement and other  applicable  law. Upon the occurrence of
any Event of Default and at any time  thereafter,  Laurus will have the right to
take  possession  of the  Collateral  and to  maintain  such  possession  on our
premises or to remove the  Collateral or any part thereof to such other premises
as Laurus may desire. Upon Laurus' request, each of the Assignors shall assemble
or cause the  Collateral  to be  assembled  and make it available to Laurus at a
place designated by Laurus.  If any notification of intended  disposition of any
Collateral is required by law,  such  notification,  if mailed,  shall be deemed
properly  and  reasonably  given if mailed at least  ten (10) days  before  such
disposition,   postage  prepaid,  addressed  to  any  Assignor  either  at  such
Assignor's  address shown herein or at any address  appearing on Laurus' records
for such  Assignor.  Any proceeds of any  disposition  of any of the  Collateral
shall be applied by Laurus to the payment of all expenses in connection with the
sale of the  Collateral,  including  reasonable  attorneys' fees and other legal
expenses and  disbursements  and the  reasonable  expense of retaking,  holding,
preparing for sale, selling,  and the like, and any balance of such proceeds may
be applied  by Laurus  toward the  payment of the  Obligations  in such order of
application  as Laurus  may  elect,  and each  Assignor  shall be liable for any
deficiency.  For the avoidance of doubt, following the occurrence and during the
continuance  of an Event of Default,  after any  applicable  cure period  Laurus
shall have the immediate  right to withdraw any and all monies  contained in the
Restricted Account or any other deposit accounts in the name of the Assignor and
controlled by Laurus and apply same to the repayment of the Obligations (in such
order of application as Laurus may elect).

                                       4
<PAGE>

      6. If any Assignor  defaults in the  performance  or fulfillment of any of
the terms,  conditions,  promises,  covenants,  provisions or warranties on such
Assignor's  part to be performed  or fulfilled  under or pursuant to this Master
Security  Agreement,  Laurus  may,  at its option  without  waiving its right to
enforce this Master Security Agreement according to its terms, immediately or at
any time  thereafter and without notice to any Assignor,  perform or fulfill the
same or cause the  performance or  fulfillment  of the same for each  Assignor's
joint and several  account  and at each  Assignor's  joint and several  cost and
expense, and the cost and expense thereof (including reasonable attorneys' fees)
shall be added to the  Obligations  and shall be payable on demand with interest
thereon at the highest rate permitted by law, or, at Laurus' option,  debited by
Laurus from the Restricted  Account or any other deposit accounts in the name of
the Assignor and controlled by Laurus.

      7. Each Assignor appoints Laurus,  any of Laurus'  officers,  employees or
any other person or entity whom Laurus may designate as our attorney, with power
(i)  following  the  occurrence  of an Event of Default  and any notice and cure
provisions, and only during the continuance of such Event of Default, to execute
such documents in each of our behalf and to supply any omitted  information  and
correct  patent  errors in any  documents  executed  by any  Assignor  or on any
Assignor's  behalf.  (ii) to file financing  statements  against us covering the
Collateral (and, in connection with the filing of any such financing statements,
describe the  Collateral as "all assets and all personal  property,  whether now
owned  and/or  hereafter  acquired"  (or  any  substantially  similar  variation
thereof));  (iii) following the occurrence of an Event of Default and any notice
and cure  provisions,  and only during the continuance of such Event of Default,
to sign our name on public records;  and (iv) to do all other things Laurus deem
necessary to carry out this Master  Security  Agreement.  Each  Assignor  hereby
ratifies  and  approves  all acts of the  attorney  and  neither  Laurus nor the
attorney  will be liable for any acts of  commission  or  omission,  nor for any
error of  judgment  or mistake of fact or law other  than  gross  negligence  or
willful  misconduct  (as  determined by a court of competent  jurisdiction  in a
final and non-appealable  decision).  This power being coupled with an interest,
is irrevocable so long as any Obligations remains unpaid.

                                       5
<PAGE>

No delay or failure on Laurus' part in exercising any right, privilege or option
hereunder  shall  operate as a waiver of such or of any other right,  privilege,
remedy or  option,  and no waiver  whatever  shall be valid  unless in  writing,
signed by Laurus and then only to the extent therein set forth, and no waiver by
Laurus of any default  shall  operate as a waiver of any other default or of the
same default on a future occasion.  Laurus' books and records containing entries
with respect to the Obligations shall be admissible in evidence in any action or
proceeding,  shall be binding upon each Assignor for the purpose of establishing
the items  therein set forth and shall  constitute  prima  facie proof  thereof.
Laurus shall have the right to enforce any one or more of the remedies available
to Laurus,  successively,  alternately or concurrently.  Each Assignor agrees to
join with Laurus in executing  financing  statements or other instruments to the
extent required by the Uniform  Commercial  Code in form  satisfactory to Laurus
and in  executing  such other  documents  or  instruments  as may be required or
deemed  necessary  by Laurus for purposes of  affecting  or  continuing  Laurus'
security  interest in the  Collateral.  Without  limiting the foregoing,  if any
Assignor  defaults  in the  performance  or  fulfillment  of  any of the  terms,
conditions,  promises,  covenants,  provisions or warranties on such  Assignor's
part to be  performed  or  fulfilled  under or pursuant to this Master  Security
Agreement,  Laurus may appoint or reappoint by instrument in writing, any person
or  persons,  whether an officer or officers or any  employee  or  employees  of
Laurus or not, to be a receiver or receivers  (hereinafter  called a "Receiver",
which  term when used  herein  shall  include a  receiver  and  manager)  of any
Collateral of Company or any Assignor (including any interest, income or profits
therefrom)  and may remove any  Receiver so  appointed  and  appoint  another in
his/her stead.  Any such Receiver shall, so far as concerns  responsibility  for
his/her acts,  be deemed the agent of such  Assignor and not Laurus,  and Laurus
shall  not be in any way  responsible  for  any  misconduct,  negligence  or non
feasance  on  the  part  of any  such  Receiver,  his/her  servants,  agents  or
employees.  Subject to the provisions of the instrument  appointing him/her, any
such Receiver  shall have power to take  possession of  Collateral,  to preserve
Collateral or its value, to carry on or concur in carrying on all or any part of
the business of such Assignor and to sell,  lease,  license or otherwise dispose
of  or  concur  in  selling,  leasing,   licensing  or  otherwise  disposing  of
Collateral.  To facilitate the foregoing  powers,  any such Receiver may, to the
exclusion  of all  others,  including  Laurus,  enter  upon,  use and occupy all
premises  owned or occupied such  Assignor  wherein  Collateral  may be located,
maintain  Collateral upon such premises,  borrow money on a secured or unsecured
basis and use Collateral  directly in carrying on such Assignor's business or as
security  for  loans  or  advances  to  enable  the  Receiver  to  carry on such
Assignor's  business or otherwise,  as such Receiver  shall,  in its discretion,
determine.  Except as may be  otherwise  directed  by Laurus,  all  proceeds  of
Collateral  received  from time to time by such Receiver in carrying out his/her
appointment  shall be received in trust for and paid over to Laurus.  Every such
Receiver  may,  in the  discretion  of Laurus  be vested  with all or any of the
rights and powers of Laurus.  Laurus may,  either directly or through its agents
or nominees, exercise any or all powers and rights given to a Receiver by virtue
of the foregoing provisions of this paragraph.

      8. This Master  Security  Agreement  shall be governed by and construed in
accordance  with the laws of the  State of New  York and  cannot  be  terminated
orally. All of the rights, remedies,  options, privileges and elections given to
Laurus  hereunder shall inure to the benefit of Laurus'  successors and assigns.
The term  "Laurus" as herein used shall include  Laurus,  any parent of Laurus',
any of Laurus'  subsidiaries and any co-subsidiaries of Laurus' parent,  whether
now existing or hereafter created or acquired, and all of the terms, conditions,
promises, covenants,  provisions and warranties of this Agreement shall inure to
the  benefit  of each of the  foregoing,  and  shall  bind the  representatives,
successors  and assigns of each  Assignor.  Laurus and each Assignor  hereby (a)
waive  any and all  right  to  trial  by jury  in  litigation  relating  to this
Agreement and the transactions  contemplated hereby and each Assignor agrees not
to assert any  counterclaim in such  litigation,  (b) submit to the nonexclusive
jurisdiction  of any New York State court  sitting in the borough of  Manhattan,
the city of New York or the Ontario  Superior  Court of  Justice,  as Laurus may
elect in its sole discretion and (c) waive any objection Laurus or each Assignor
may have as to the bringing or maintaining of such action with any such court.

                                       6
<PAGE>

      9. It is  understood  and agreed that any person or entity that desires to
become an Assignor  hereunder,  or is required to execute a counterpart  of this
Master Security  Agreement after the date hereof pursuant to the requirements of
any  Document,  shall become an Assignor  hereunder  by (x)  executing a Joinder
Agreement  in  form  and  substance   satisfactory  to  Laurus,  (y)  delivering
supplements  to such  exhibits  and annexes to such  Documents  as Laurus  shall
reasonably  request and (z) taking all actions as specified in this Agreement as
would have been taken by such  Assignor  had it been an  original  party to this
Agreement,  in each case with all  documents  required  above to be delivered to
Laurus and with all  documents  and  actions  required  above to be taken to the
reasonable satisfaction of Laurus.

      10. All notices from Laurus to any Assignor shall be sufficiently given if
mailed or delivered to such Assignor's address set forth below.

                                          Very truly yours,

                                          CREATIVE VISTAS, INC.

                                          By: /s/ Sayan Navaratnam
                                             -----------------------------------
                                          Name:  Sayan Navaratnam
                                          Title: CEO
                                          Address:

                                          A.C. TECHNICAL SYSTEMS LTD.

                                          By:/s/ Dominic Burns
                                             -----------------------------------
                                          Name:  Dominic Burns
                                          Title: President
                                          Address:

                                       7
<PAGE>

                                          A.C. TECHNICAL ACQUISTION CORP.

                                          By: /s/ Sayan Navaratnam
                                             -----------------------------------
                                          Name:  Sayan Navaratnam
                                          Title: CEO
                                          Address:

                                       8
<PAGE>

                                          ACKNOWLEDGED:

                                          LAURUS MASTER FUND, LTD.

                                          By: /s/ David Grin
                                             -----------------------------------
                                          Name:  David Grin
                                          Title:
                                          Address:

                                       9
<PAGE>

                                   SCHEDULE A

      Entity            Jurisdiction of Organization
                        Organization Identification

      Number
      [Assignors]

                                       10Exhibit 10.10

                             STOCK PLEDGE AGREEMENT

         This Stock Pledge Agreement (this "Agreement"), dated as of September
30, 2004, among Laurus Master Fund, Ltd. (the "Pledgee"), Creative Vistas, Inc.,
an Arizona corporation (the "Company"), and each of the other undersigned
pledgors (the Company and each such other undersigned pledgor, a "Pledgor" and
collectively, the "Pledgors").

                                   BACKGROUND

          The Company has entered into a Securities Purchase Agreement, dated as
of September 30, 2004 (as amended, modified, restated or supplemented from time
to time, the "Securities Purchase Agreement"), and a Security Agreement dated as
of September 30, 2004 (as amended, modified, restated or supplemented from time
to time, the "Security Agreement"), pursuant to which the Pledgee provides or
will provide certain financial accommodations to the Company.

         In order to induce the Pledgee to provide or continue to provide the
financial accommodations described in the Securities Purchase Agreement and the
Security Agreement, each Pledgor has agreed to pledge and grant a security
interest in the collateral described herein to the Pledgee on the terms and
conditions set forth herein.

         NOW, THEREFORE, in consideration of the premises and for other good and
valuable consideration the receipt of which is hereby acknowledged, the parties
hereto agree as follows:

         1. Defined Terms. All capitalized terms used herein which are not
defined shall have the meanings given to them in the Securities Purchase
Agreement and the Security Agreement, as applicable.

         2.  Pledge and Grant of Security Interest. To secure the full and
punctual payment and performance of (the following clauses (a) and (b),
collectively, the "Indebtedness") (a) the obligations under the Securities
Purchase Agreement and the Related Agreements referred to in the Securities
Purchase Agreement, and the Security Agreement and the Ancillary Agreements
referred to in the Security Agreement (the Securities Purchase Agreement and the
Related Agreements, and the Security Agreement and the Ancillary Agreements, as
each may be amended, restated, modified and/or supplemented from time to time,
collectively, the "Documents") and (b) all other indebtedness, obligations and
liabilities of each Pledgor to the Pledgee whether now existing or hereafter
arising, direct or indirect, liquidated or unliquidated, absolute or contingent,
due or not due and whether under, pursuant to or evidenced by a note, agreement,
guaranty, instrument or otherwise (in each case, irrespective of the
genuineness, validity, regularity or enforceability of such Indebtedness, or of
any instrument evidencing any of the Indebtedness or of any collateral therefor
or of the existence or extent of such collateral, and irrespective of the
allowability, allowance or disallowance of any or all of such in any case
commenced by or against any Pledgor under Title 11, United States Code,
including, without limitation, obligations or indebtedness of each Pledgor for
post-petition interest, fees, costs and charges that would have accrued or been
added to the Indebtedness but for the commencement of

                                      -1-
<PAGE>

such case), each Pledgor hereby pledges, assigns, hypothecates, transfers and
grants a security interest to Pledgee in all of the following (the
"Collateral"):

             (a) the shares of stock set forth on Schedule A annexed hereto and
expressly made a part hereof (together with any additional shares of stock or
other equity interests acquired by any Pledgor, the "Pledged Stock"), the
certificates representing the Pledged Stock and all dividends, cash, instruments
and other property or proceeds from time to time received, receivable or
otherwise distributed in respect of or in exchange for any or all of the Pledged
Stock;

             (b) all additional shares of stock of any issuer (each, an
"Issuer") of the Pledged Stock from time to time acquired by any Pledgor in any
manner, including, without limitation, stock dividends or a distribution in
connection with any increase or reduction of capital, reclassification, merger,
consolidation, sale of assets, combination of shares, stock split, spin-off or
split-off (which shares shall be deemed to be part of the Collateral), and the
certificates representing such additional shares, and all dividends, cash,
instruments and other property or proceeds from time to time received,
receivable or otherwise distributed in respect of or in exchange for any or all
of such shares; and

             (c) all options and rights, whether as an addition to, in
substitution of or in exchange for any shares of any Pledged Stock and all
dividends, cash, instruments and other property or proceeds from time to time
received, receivable or otherwise distributed in respect of or in exchange for
any or all such options and rights.

         3.  Delivery of Collateral. All certificates representing or evidencing
the Pledged Stock shall be delivered to and held by or on behalf of Pledgee
pursuant hereto and shall be accompanied by duly executed instruments of
transfer or assignment in blank, all in form and substance satisfactory to
Pledgee. Each Pledgor hereby authorizes the Issuer upon demand by the Pledgee to
deliver any certificates, instruments or other distributions issued in
connection with the Collateral directly to the Pledgee, in each case to be held
by the Pledgee, subject to the terms hereof. Upon an Event of Default (as
defined below) under the Note that has occurred and is continuing beyond any
applicable grace period, the Pledgee shall have the right, during such time in
its discretion and without notice to the Pledgor, to transfer to or to register
in the name of the Pledgee or any of its nominees any or all of the Pledged
Stock. In addition, the Pledgee shall have the right at such time to exchange
certificates or instruments representing or evidencing Pledged Stock for
certificates or instruments of smaller or larger denominations.

         4.  Representations and Warranties of each Pledgor. Each Pledgor
jointly and severally represents and warrants to the Pledgee (which
representations and warranties shall be deemed to continue to be made until all
of the Indebtedness has been paid in full and each Document and each agreement
and instrument entered into in connection therewith has been irrevocably
terminated) that:

             (a) the execution, delivery and performance by each Pledgor of
this Agreement and the pledge of the Collateral hereunder do not and will not
result in any violation

                                      -2-
<PAGE>

of any agreement, indenture, instrument, license, judgment, decree, order, law,
statute, ordinance or other governmental rule or regulation applicable to any
Pledgor;

             (b) this Agreement constitutes the legal, valid, and binding
obligation of each Pledgor enforceable against each Pledgor in accordance with
its terms;

             (c) (i) all Pledged Stock owned by each Pledgor is set forth on
Schedule A hereto and (ii) each Pledgor is the direct and beneficial owner of
each share of the Pledged Stock;

             (d) all of the shares of the Pledged Stock have been duly
authorized, validly issued and are fully paid and nonassessable;

             (e) no consent or approval of any person, corporation, governmental
body, regulatory authority or other entity, is or will be necessary for (i) the
execution, delivery and performance of this Agreement, (ii) the exercise by the
Pledgee of any rights with respect to the Collateral or (iii) the pledge and
assignment of, and the grant of a security interest in, the Collateral
hereunder;

             (f) there are no pending or, to the best of Pledgor's knowledge,
threatened actions or proceedings before any court, judicial body,
administrative agency or arbitrator which may materially adversely affect the
Collateral;

             (g) each Pledgor has the requisite power and authority to enter
into this Agreement and to pledge and assign the Collateral to the Pledgee in
accordance with the terms of this Agreement.

             (h) each Pledgor owns each item of the Collateral and, except for
the pledge and security interest granted to Pledgee hereunder, the Collateral
shall be, immediately following the closing of the transactions contemplated by
the Documents, free and clear of any other security interest, pledge, claim,
lien, charge, hypothecation, assignment, offset or encumbrance whatsoever
(collectively, "Liens").

             (i) there are no restrictions on transfer of the Pledged Stock
contained in the certificate of incorporation or by-laws (or equivalent
organizational documents) of the Issuer or otherwise which have not otherwise
been enforceably and legally waived by the necessary parties.

             (j) none of the Pledged Stock has been issued or transferred in
violation of the securities registration, securities disclosure or similar laws
of any jurisdiction to which such issuance or transfer may be subject.

             (k) the pledge and assignment of the Collateral and the grant of a
security interest under this Agreement vest in the Pledgee all rights of each
Pledgor in the Collateral as contemplated by this Agreement.

                                      -3-
<PAGE>

             (l) The Pledged Stock constitutes one hundred percent (100%) of the
issued and outstanding shares of capital stock of each Issuer.

         5.  Covenants. Each Pledgor jointly and severally covenants that, until
the Indebtedness shall be satisfied in full and each Document and each agreement
and instrument entered into in connection therewith is irrevocably terminated:

             (a) No Pledgor will sell, assign, transfer, convey, or otherwise
dispose of its rights in or to the Collateral or any interest therein; nor will
any Pledgor create, incur or permit to exist any Lien whatsoever with respect to
any of the Collateral or the proceeds thereof other than that created hereby.

             (b) Each Pledgor will, at its expense, defend Pledgee's right,
title and security interest in and to the Collateral against the claims of any
other party.

             (c) Each Pledgor shall at any time, and from time to time, upon the
written request of Pledgee, execute and deliver such further documents and do
such further acts and things as Pledgee may reasonably request in order to
effect the purposes of this Agreement including, but without limitation,
delivering to Pledgee upon the occurrence of an Event of Default irrevocable
proxies in respect of the Collateral in form satisfactory to Pledgee. Until
receipt thereof, upon an Event of Default that has occurred and is continuing
beyond any applicable grace period, this Agreement shall constitute Pledgor's
proxy to Pledgee or its nominee to vote all shares of Collateral then registered
in each Pledgor's name.

             (d) No Pledgor will consent to or approve the issuance of (i) any
additional shares of any class of capital stock or other equity interests of the
Issuer; or (ii) any securities convertible either voluntarily by the holder
thereof or automatically upon the occurrence or nonoccurrence of any event or
condition into, or any securities exchangeable for, any such shares, unless, in
either case, such shares are pledged as Collateral pursuant to this Agreement.

         6.  Voting Rights and Dividends. In addition to the Pledgee's rights
and remedies set forth in Section 8 hereof, in case an Event of Default shall
have occurred and be continuing, beyond any applicable cure period, the Pledgee
shall (i) be entitled to vote the Collateral, (ii) be entitled to give consents,
waivers and ratifications in respect of the Collateral (each Pledgor hereby
irrevocably constituting and appointing the Pledgee, with full power of
substitution, the proxy and attorney-in-fact of each Pledgor for such purposes)
and (iii) be entitled to collect and receive for its own use cash dividends paid
on the Collateral. No Pledgor shall be permitted to exercise or refrain from
exercising any voting rights or other powers if, in the reasonable judgment of
the Pledgee, such action would have a material adverse effect on the value of
the Collateral or any part thereof; and, provided, further, that each Pledgor
shall give at least five (5) days' written notice of the manner in which such
Pledgor intends to exercise, or the reasons for refraining from exercising, any
voting rights or other powers other than with respect to any election of
directors and voting with respect to any incidental matters. Following the
occurrence of an Event of Default, all dividends and all other distributions in
respect of any of the Collateral, shall be delivered to the Pledgee to hold as
Collateral and shall, if received by any Pledgor, be received in trust for the
benefit of the Pledgee, be segregated from the other property or funds of

                                      -4-
<PAGE>

any other Pledgor, and be forthwith delivered to the Pledgee as Collateral in
the same form as so received (with any necessary endorsement).

         7.  Event of Default. An Event of Default shall be deemed to have
occurred and may be declared by the Pledgee upon the happening of any of the
following events:

             (a) An "Event of Default" under any Document or any agreement or
note related to any Document shall have occurred and be continuing beyond any
applicable cure period;

             (b) Any Pledgor shall default in the performance of any of its
obligations under any agreement between any Pledgor and Pledgee, including,
without limitation, this Agreement, and such default shall not be cured for a
period of fifteen (15) days after the occurrence thereof;

             (c) Any representation or warranty of any Pledgor made herein, in
any Document or in any agreement, statement or certificate given in writing
pursuant hereto or thereto or in connection herewith or therewith shall be false
or misleading in any material respect;

             (d) Any portion of the Collateral is subjected to levy of
execution, attachment, distraint or other judicial process; or any portion of
the Collateral is the subject of a claim (other than by the Pledgee) of a Lien
or other right or interest in or to the Collateral and such levy or claim shall
not be cured, disputed or stayed within a period of fifteen (15) business days
after the occurrence thereof; or

             (e) Any Pledgor shall (i) apply for, consent to, or suffer to exist
the appointment of, or the taking of possession by, a receiver, custodian,
trustee, liquidator or other fiduciary of itself or of all or a substantial part
of its property, (ii) make a general assignment for the benefit of creditors,
(iii) commence a voluntary case under any state or federal bankruptcy laws (as
now or hereafter in effect), (iv) be adjudicated a bankrupt or insolvent, (v)
file a petition seeking to take advantage of any other law providing for the
relief of debtors, (vi) acquiesce to, or fail to have dismissed, within sixty
(60) days, any petition filed against it in any involuntary case under such
bankruptcy laws, or (vii) take any action for the purpose of effecting any of
the foregoing.

         8.  Remedies. In case an Event of Default shall have occurred and be
declared by the Pledgee, the Pledgee may:

             (a) Transfer any or all of the Collateral into its name, or into
the name of its nominee or nominees;

             (b) Exercise all corporate rights with respect to the Collateral
including, without limitation, all rights of conversion, exchange, subscription
or any other rights, privileges or options pertaining to any shares of the
Collateral as if it were the absolute owner thereof, including, but without
limitation, the right to exchange, at its discretion, any or all of the

                                      -5-
<PAGE>

Collateral upon the merger, consolidation, reorganization, recapitalization or
other readjustment of the Issuer thereof, or upon the exercise by the Issuer of
any right, privilege or option pertaining to any of the Collateral, and, in
connection therewith, to deposit and deliver any and all of the Collateral with
any committee, depository, transfer agent, registrar or other designated agent
upon such terms and conditions as it may determine, all without liability except
to account for property actually received by it; and

             (c) Subject to any requirement of applicable law, sell, assign and
deliver the whole or, from time to time, any part of the Collateral at the time
held by the Pledgee, at any private sale or at public auction, with or without
demand, advertisement or notice of the time or place of sale or adjournment
thereof or otherwise (all of which are hereby waived, except such notice as is
required by applicable law and cannot be waived), for cash or credit or for
other property for immediate or future delivery, and for such price or prices
and on such terms as the Pledgee in its sole discretion may determine, or as may
be required by applicable law.

             Each Pledgor hereby waives and releases any and all right or equity
of redemption, whether before or after sale hereunder. At any such sale, unless
prohibited by applicable law, the Pledgee may bid for and purchase the whole or
any part of the Collateral so sold free from any such right or equity of
redemption. All moneys received by the Pledgee hereunder whether upon sale of
the Collateral or any part thereof or otherwise shall be held by the Pledgee and
applied by it as provided in Section 10 hereof. No failure or delay on the part
of the Pledgee in exercising any rights hereunder shall operate as a waiver of
any such rights nor shall any single or partial exercise of any such rights
preclude any other or future exercise thereof or the exercise of any other
rights hereunder. The Pledgee shall have no duty as to the collection or
protection of the Collateral or any income thereon nor any duty as to
preservation of any rights pertaining thereto, except to apply the funds in
accordance with the requirements of Section 10 hereof. The Pledgee may exercise
its rights with respect to property held hereunder without resort to other
security for or sources of reimbursement for the Indebtedness. In addition to
the foregoing, Pledgee shall have all of the rights, remedies and privileges of
a secured party under the Uniform Commercial Code of New York regardless of the
jurisdiction in which enforcement hereof is sought.

         9.  Private Sale. Each Pledgor recognizes that the Pledgee may be
unable to effect (or to do so only after delay which would adversely affect the
value that might be realized from the Collateral) a public sale of all or part
of the Collateral by reason of certain prohibitions contained in the Securities
Act, and may be compelled to resort to one or more private sales to a restricted
group of purchasers who will be obliged to agree, among other things, to acquire
such Collateral for their own account, for investment and not with a view to the
distribution or resale thereof. Each Pledgor agrees that any such private sale
may be at prices and on terms less favorable to the seller than if sold at
public sales and that such private sales shall be deemed to have been made in a
commercially reasonable manner. Each Pledgor agrees that the Pledgee has no
obligation to delay sale of any Collateral for the period of time necessary to
permit the Issuer to register the Collateral for public sale under the
Securities Act.

                                      -6-
<PAGE>

         10. Proceeds of Sale. The proceeds of any collection, recovery,
receipt, appropriation, realization or sale of the Collateral shall be applied
by the Pledgee as follows:

             (a) First, to the payment of all costs, reasonable expenses and
charges of the Pledgee and to the reimbursement of the Pledgee for the prior
payment of such costs, reasonable expenses and charges incurred in connection
with the care and safekeeping of the Collateral (including, without limitation,
the reasonable expenses of any sale or any other disposition of any of the
Collateral), the expenses of any taking, attorneys' fees and reasonable
expenses, court costs, any other fees or expenses incurred or expenditures or
advances made by Pledgee in the protection, enforcement or exercise of its
rights, powers or remedies hereunder;

             (b) Second, to the payment of the Indebtedness, in whole or in
part, in such order as the Pledgee may elect, whether or not such Indebtedness
is then due;

             (c) Third, to such persons, firms, corporations or other entities
as required by applicable law including, without limitation, Section 9-504(1)(c)
of the UCC; and

             (d) Fourth, to the extent of any surplus to the Pledgors or as a
court of competent jurisdiction may direct.

             In the event that the proceeds of any collection, recovery,
receipt, appropriation, realization or sale are insufficient to satisfy the
Indebtedness, each Pledgor shall be jointly and severally liable for the
deficiency plus the costs and fees of any attorneys employed by Pledgee to
collect such deficiency.

         11. Waiver of Marshaling. Each Pledgor hereby waives any right to
compel any marshaling of any of the Collateral.

         12. No Waiver. Any and all of the Pledgee's rights with respect to the
Liens granted under this Agreement shall continue unimpaired, and Pledgor shall
be and remain obligated in accordance with the terms hereof, notwithstanding (a)
the bankruptcy, insolvency or reorganization of any Pledgor, (b) the release or
substitution of any item of the Collateral at any time, or of any rights or
interests therein, or (c) any delay, extension of time, renewal, compromise or
other indulgence granted by the Pledgee in reference to any of the Indebtedness.
Each Pledgor hereby waives all notice of any such delay, extension, release,
substitution, renewal, compromise or other indulgence, and hereby consents to be
bound hereby as fully and effectively as if such Pledgor had expressly agreed
thereto in advance. No delay or extension of time by the Pledgee in exercising
any power of sale, option or other right or remedy hereunder, and no failure by
the Pledgee to give notice or make demand, shall constitute a waiver thereof, or
limit, impair or prejudice the Pledgee's right to take any action against any
Pledgor or to exercise any other power of sale, option or any other right or
remedy.

         13. Expenses. The Collateral shall secure, and each Pledgor shall pay
to Pledgee on demand, from time to time, all reasonable costs and expenses,
(including but not limited to, reasonable attorneys' fees and costs, taxes, and
all transfer, recording, filing and other charges) of, or incidental to, the
custody, care, transfer, administration of the Collateral or any other

                                      -7-
<PAGE>

collateral, or in any way relating to the enforcement, protection or
preservation of the rights or remedies of the Pledgee under this Agreement or
with respect to any of the Indebtedness.

         14. The Pledgee Appointed Attorney-In-Fact and Performance by the
Pledgee. Upon the occurrence of an Event of Default, each Pledgor hereby
irrevocably constitutes and appoints the Pledgee as such Pledgor's true and
lawful attorney-in-fact, with full power of substitution, to execute,
acknowledge and deliver any instruments and to do in such Pledgor's name, place
and stead, all such acts, things and deeds for and on behalf of and in the name
of such Pledgor, which such Pledgor could or might do or which the Pledgee may
deem necessary, desirable or convenient to accomplish the purposes of this
Agreement, including, without limitation, to execute such instruments of
assignment or transfer or orders and to register, convey or otherwise transfer
title to the Collateral into the Pledgee's name. Each Pledgor hereby ratifies
and confirms all that said attorney-in-fact may so do and hereby declares this
power of attorney to be coupled with an interest and irrevocable. If any Pledgor
fails to perform any agreement herein contained, the Pledgee may itself perform
or cause performance thereof, and any costs and expenses of the Pledgee incurred
in connection therewith shall be paid by the Pledgors as provided in Section 10
hereof.

         15. Waivers.

             (a) EACH PARTY HERETO HEREBY EXPRESSLY WAIVES ANY RIGHT TO TRIAL BY
JURY OF ANY CLAIM, DEMAND, ACTION OR CAUSE OF ACTION (A) ARISING UNDER THIS
AGREEMENT OR ANY OTHER INSTRUMENT, DOCUMENT OR AGREEMENT EXECUTED OR DELIVERED
IN CONNECTION HEREWITH, OR (B) IN ANY WAY CONNECTED WITH OR RELATED OR
INCIDENTAL TO THE DEALINGS OF THE PARTIES HERETO OR ANY OTHER AGREEMENT EXECUTED
OR DELIVERED BY THEM IN CONNECTION HEREWITH, OR THE TRANSACTIONS RELATED HERETO
OR THERETO, IN EACH CASE WHETHER NOW EXISTING OR HEREAFTER ARISING, AND WHETHER
SOUNDING IN CONTRACT OR TORT OR OTHERWISE AND EACH PARTY HERETO HEREBY AGREES
AND CONSENTS THAT ANY CLAIM, DEMAND, ACTION OR CAUSE OF ACTION SHALL BE DECIDED
BY COURT TRIAL WITHOUT A JURY, AND THAT ANY PARTY MAY FILE AN ORIGINAL
COUNTERPART OR A COPY OF THIS SECTION WITH ANY COURT AS WRITTEN EVIDENCE OF THE
CONSENT OF EACH PARTY TO THE WAIVER OF ITS RIGHT TO TRIAL BY JURY.

         16. Recapture. Notwithstanding anything to the contrary in this
Agreement, if the Pledgee receives any payment or payments on account of the
Indebtedness, which payment or payments or any part thereof are subsequently
invalidated, declared to be fraudulent or preferential, set aside and/or
required to be repaid to a trustee, receiver, or any other party under the
United States Bankruptcy Code, as amended, or any other federal or state
bankruptcy, reorganization, moratorium or insolvency law relating to or
affecting the enforcement of creditors' rights generally, common law or
equitable doctrine, then to the extent of any sum not finally retained by the
Pledgee, each Pledgor's obligations to the Pledgee shall be reinstated and this
Agreement shall remain in full force and effect (or be reinstated) until payment
shall have been made to Pledgee, which payment shall be due on demand.

                                      -8-
<PAGE>

         17. Captions. All captions in this Agreement are included herein for
convenience of reference only and shall not constitute part of this Agreement
for any other purpose.

         18. Miscellaneous.

             (a) This Agreement constitutes the entire and final agreement among
the parties with respect to the subject matter hereof and may not be changed,
terminated or otherwise varied except by a writing duly executed by the parties
hereto.

             (b) No waiver of any term or condition of this Agreement, whether
by delay, omission or otherwise, shall be effective unless in writing and signed
by the party sought to be charged, and then such waiver shall be effective only
in the specific instance and for the purpose for which given.

             (c) In the event that any provision of this Agreement or the
application thereof to any Pledgor or any circumstance in any jurisdiction
governing this Agreement shall, to any extent, be invalid or unenforceable under
any applicable statute, regulation, or rule of law, such provision shall be
deemed inoperative to the extent that it may conflict therewith and shall be
deemed modified to conform to such statute, regulation or rule of law, and the
remainder of this Agreement and the application of any such invalid or
unenforceable provision to parties, jurisdictions, or circumstances other than
to whom or to which it is held invalid or unenforceable shall not be affected
thereby, nor shall same affect the validity or enforceability of any other
provision of this Agreement.

             (d) This Agreement shall be binding upon each Pledgor, and each
Pledgor's successors and assigns, and shall inure to the benefit of the Pledgee
and its successors and assigns.

             (e) Any notice or other communication required or permitted
pursuant to this Agreement shall be given in accordance with the Securities
Purchase Agreement and the Security Agreement.

             (f) This Agreement shall be governed by and construed and enforced
in all respects in accordance with the laws of the State of New York applied to
contracts to be performed wholly within the State of New York.

             (g) EACH PLEDGOR EXPRESSLY CONSENTS TO THE JURISDICTION AND VENUE
OF EACH COURT OF COMPETENT JURISDICTION LOCATED IN THE STATE OF NEW YORK FOR ALL
PURPOSES IN CONNECTION WITH THIS AGREEMENT. ANY JUDICIAL PROCEEDING INVOLVING,
DIRECTLY OR INDIRECTLY ANY MATTER OR CLAIM IN ANY WAY ARISING OUT OF, RELATED TO
OR CONNECTED WITH THIS AGREEMENT SHALL BE BROUGHT ONLY IN A STATE COURT LOCATED
IN THE COUNTY OF NEW YORK, STATE OF NEW YORK. EACH PLEDGOR FURTHER CONSENTS THAT
ANY SUMMONS, SUBPOENA OR OTHER PROCESS OR PAPERS (INCLUDING, WITHOUT LIMITATION,
ANY NOTICE

                                      -9-
<PAGE>

OR MOTION OR OTHER APPLICATION TO EITHER OF THE AFOREMENTIONED COURTS OR A JUDGE
THEREOF) OR ANY NOTICE IN CONNECTION WITH ANY PROCEEDINGS HEREUNDER, MAY BE
SERVED INSIDE OR OUTSIDE OF THE STATE OF NEW YORK OR THE SOUTHERN DISTRICT OF
NEW YORK BY REGISTERED OR CERTIFIED MAIL, RETURN RECEIPT REQUESTED, OR BY
PERSONAL SERVICE PROVIDED A REASONABLE TIME FOR APPEARANCE IS PERMITTED, OR IN
SUCH OTHER MANNER AS MAY BE PERMISSIBLE UNDER THE RULES OF SAID COURTS. EACH
PLEDGOR WAIVES ANY OBJECTION TO JURISDICTION AND VENUE OF ANY ACTION INSTITUTED
HEREON AND SHALL NOT ASSERT ANY DEFENSE BASED ON LACK OF JURISDICTION OR VENUE
OR BASED UPON FORUM NON CONVENIENS.

             (h) It is understood and agreed that any person or entity that
desires to become a Pledgor hereunder, or is required to execute a counterpart
of this Stock Pledge Agreement after the date hereof pursuant to the
requirements of any Document, shall become a Pledgor hereunder by (x) executing
a Joinder Agreement in form and substance satisfactory to the Pledgee, (y)
delivering supplements to such exhibits and annexes to such Documents as the
Pledgee shall reasonably request and (z) taking all actions as specified in this
Agreement as would have been taken by such Pledgor had it been an original party
to this Agreement, in each case with all documents required above to be
delivered to the Pledgee and with all documents and actions required above to be
taken to the reasonable satisfaction of the Pledgee.

             (i) This Agreement may be executed in one or more counterparts,
each of which shall be deemed an original and all of which when taken together
shall constitute one and the same agreement. Any signature delivered by a party
by facsimile transmission shall be deemed an original signature hereto.

                  [Remainder of Page Intentionally Left Blank]

                                      -10-
<PAGE>

         IN WITNESS WHEREOF, the parties have duly executed this Agreement as of
the day and year first written above.

                                            CREATIVE VISTAS, INC.

                                            By: /s/ Sayan Navaratnam
                                                --------------------------------
                                            Name:  Sayan Navaratnam
                                            Title: CEO

                                            LAURUS MASTER FUND, LTD.

                                            By: /s/ David Grin
                                                --------------------------------
                                            Name:  David Grin
                                            Title:

                                      -11-
<PAGE>

                    SCHEDULE A to the Stock Pledge Agreement

                                  Pledged Stock

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
            Pledgor                     Issuer             Class of Stock       Stock Certificate    Par Value     Number of Shares
                                                                                     Number
------------------------------------------------------------------------------------------------------------------------------------
<S>                            <C>                            <C>                     <C>             <C>                 <C>
     Creative Vistas, Inc.     AC Technical Acquisition       Class VFV               VFV-2           no par              50
                                         Corp.
------------------------------------------------------------------------------------------------------------------------------------

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

------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

                                      -12-

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