Document:

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                                                                     Exhibit 4.7

                               [IXATA LETTERHEAD]

September 23, 1999

Mr. John P. Yzaguirre
3906 Beechwood Lane
Dallas, TX 75220

Dear Mr. Yzaguirre,

Congratulations!  As a result of your discussions with the management of
IXATA.COM, I am pleased to offer you a position as Operations Manager based upon
the following:

SALARY: $50,000 per annum to start, increasing to $55,000 per annum after
successful completion of probationary period

PROBATIONARY PERIOD: 90 Days

STOCK: 5,000 shares will be vested to you upon the successful completion of one
year of service.  In the event that you fail to complete one year of service,
the total value of your shares will be reduced by the prorated value of the
difference between your employment time and your departure date.  No shares will
be earned until you have completed your probationary period.  In addition, you
will be vested an additional 1,000 shares of stock for every year of service
that you complete up to your fifth year of employment.  Stock offerings after
your fifth year of employment will be as determined by the Board of Directors of
IXATA.COM.

STOCK OPTIONS: You will have the right to purchase up to an additional 1,000
shares of stock upon the successful completion of each year of employment up to
your fifth year of employment at 80% of the stock value on your employment
anniversary date.  This stock option is valid for only a ninety-day period of
time beginning with the anniversary date of your employment.  Stock options
after your fifth year of employment will be as determined by the Board of
Directors of IXATA.COM.

EMPLOYEE BENEFITS: You will be eligible for the same medical, dental, and 401k
plans available to all IXATA.COM employees after successful completion of your
probationary period.

SPECIAL BENEFITS: IXATA.COM will provide you a vehicle to use for a period of
sixty days effective on your employment start date.  The vehicle provided will
be at the discretion of IXATA.COM.  You will be responsible for all fuel
expenses for this vehicle and for adhering to all applicable state and federal
driving requirements.
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MOVING EXPENSES: The company will pay for up to $3,000 for moving expenses.  The
method for payment of these expenses shall be as mutually agreed upon and such
payment shall be documented with verifiable invoices and/or receipts.  In
addition, IXATA.COM will pay for up to two round trip airfares from San Diego to
Dallas to facilitate your movement.  Such trips must be requested within seven
days after your employment start date and must be completed within 120 days of
your employment start date.

START DATE: To be mutually agreed upon but no later than October 8, 1999.

SUPERVISOR: You will report directly to the office of the President.

OFFER ACCEPTANCE PERIOD: This offer shall remain valid and effective until
Wednesday, September 29, 1999 and shall be contingent upon a successful
reference check and validation of your current salary.  We look forward to your
acceptance of this offer and your employment with our company.  If you have any
questions, please do not hesitate to contact the undersigned at 800-473-6748 or
via e-mail at rsteiner@rfpexpress.com.

Please indicate your acceptance of this offer below and submit an original
signed copy to our office no later than the expiration date of this offer.

Best Regards,

/s/ Robert A. Steiner
--------------------------
Robert A. Steiner
President

RAS/mm

Accepted

/s/ John P. Yzaguirre                        9/27/99
--------------------------------    ------------------------
Signature                           Date

                                       2<PAGE>

                                                                  Exhibit 10.130

                                LOAN AGREEMENT

This agreement between BANK ONE, TEXAS, NATIONAL ASSOCIATION, and its successors
and assigns (the "Bank"), whose address is 1301 South Bowen Road, Suite 125,
Arlington, Texas 76013, and EAGER BEAVER CAR WASH, INC., a Florida corporation
(the "Borrower"), whose address is 1000 Crawford Place, Suite 400, Mount Laurel,
New Jersey 08054, is effective the 28th day of November, 2000.

1.       Credit Facilities.

         1.1      Scope. This agreement governs Facility A, and, unless
                  otherwise hereafter agreed to in writing by Bank and Borrower
                  or prohibited by applicable law, governs all of the
                  Liabilities.

         1.2      Facility A (Term Loan). The Bank agrees to extend credit to
                  the Borrower in the form of a term loan (the "Term Loan") in
                  the principal sum of Six Million, Seven Hundred Fifty-Four
                  Thousand, Four Hundred and No/100 Dollars ($6,754,400.00)
                  ("Facility A"), bearing interest and payable as set forth in
                  the Promissory Note executed concurrently with this agreement,
                  and with any renewals, modifications or extensions thereof.
                  The proceeds of the Term Loan shall be used for the purpose of
                  refinancing existing debt associated with the purchase of
                  Eager Beaver Car Wash and Red Baron Truck Wash, and for
                  financing the purchase of Beneva Car Wash, and for working
                  capital, the security for which Term Loan and is described in
                  Exhibit "A" attached hereto and incorporated herein.

         1.3      Liabilities. The term "Liabilities" in this agreement means
                  all obligations, indebtedness and liabilities of the Borrower,
                  to the Bank or to BANK ONE CORPORATION, or any of its
                  subsidiaries or affiliates or their successors, now existing
                  or later arising, including, without limitation, all loans,
                  advances, interest, costs, overdraft indebtedness, credit card
                  indebtedness, lease obligations, or obligations relating to
                  any Rate Management Transaction, all monetary obligations
                  incurred or accrued during the pendency of any bankruptcy,
                  insolvency, receivership or other similar proceedings,
                  regardless of whether allowed or allowable in such proceeding,
                  and all renewals, extensions, modifications, consolidations or
                  substitutions of any foregoing, whether the Borrower may be
                  liable jointly with others or individually liable as a debtor,
                  maker, co-maker, drawer, endorser, guarantor, surety or
                  otherwise, and whether voluntarily or involuntarily incurred,
                  due or not due, absolute or contingent, direct or indirect,
                  liquidated or unliquidated. The term "Rate Management
                  Transaction" in this agreement means any transaction
                  (including an agreement with respect thereto) now existing or
                  hereafter entered into among the Borrower, the Bank or BANK
                  ONE CORPORATION, or any of its subsidiaries or affiliates or
                  their successors, which is a rate swap, basis swap, forward
                  rate transaction, commodity swap, commodity option, equity or
                  equity index swap, equity or equity index option, bond option,
                  interest rate option, foreign exchange transaction, cap
                  transaction, floor transaction, collar transaction, forward
                  transaction, currency swap transaction, cross-currency rate
                  swap transaction, currency option or any other similar
                  transaction (including any option with respect to any of these
                  transactions) or any combination thereof, whether linked to
                  one or more interest rates, foreign currencies, commodity
                  prices, equity prices or other financial measures.

         1.4      Notes. The term "Notes" in this agreement means the Promissory
                  Note described in Subsection 1.2 above and all promissory
                  notes, instruments and/or contracts evidencing the terms and
                  conditions of the Liabilities.

         1.5      Credit Facilities. The term "Credit Facilities" in this
                  agreement means all extensions of credit from Bank to
                  Borrower, now existing or hereafter arising, including but not
                  limited to, those described in this Section 1.

2.       Conditions Precedent.

         2.1      Conditions Precedent to Term Loan. Before disbursement of the
                  proceeds of the Term Loan, the Borrower shall have delivered
                  to the Bank, in form and substance satisfactory to the Bank:

                  A.       Loan Documents. The Note evidencing the Term Loan,
                           and as applicable, the security agreements, the
                           pledge agreements, financing statements, mortgages or
                           deeds of trust, the guaranties, the subordination
                           agreements, and any other loan documents which the
                           Bank may require to give effect to the transaction
                           described in this agreement (together with this
                           agreement, the "Loan Documents").

                  B.       Evidence of Due Organization and Good Standing.
                           Evidence, satisfactory to the Bank, of the due
                           organization and good standing of the Borrower and
                           every other business entity that is a party to this
                           agreement or any other loan document required by this
                           agreement.

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                  C.       Evidence of Authority to Enter into Loan Documents.
                           Evidence that (i) each party to this agreement and
                           any other loan document required by this agreement is
                           authorized to enter into the transactions described
                           in this agreement and the other loan documents, and
                           (ii) the person signing on behalf of each such party
                           is authorized to do so.

                  D.       Environmental Indemnity. An Environmental Indemnity
                           Agreement on the Bank's form and as of the date of
                           this agreement.

         2.2      Conditions Precedent to Each Extension of Credit. Before any
                  extension of credit governed by this agreement, whether by
                  disbursement of a loan, issuance of a letter of credit or
                  otherwise, the following conditions must be satisfied:

                  A.       Representations. The representations in Section 5 of
                           this agreement are true on and as of the date of the
                           extension of credit;

                  B.       No Event of Default. No default has occurred in any
                           provision of this agreement and is continuing or
                           would result from, the extension of credit;

                  C.       Additional Approvals, Opinions, and Documents. The
                           Bank has received any other approvals, opinions and
                           documents as it may reasonably request; and

                  D.       Cross Collateralization and Cross Default. The loan
                           documents securing each of the Credit Facilities
                           shall contain cross default and cross
                           collateralization provisions for any and all of the
                           other Credit Facilities by and between Borrower and
                           Bank and Guarantor and Bank and between Borrower and
                           any affiliates or subsidiaries of Bank and Guarantor
                           and any affiliates or subsidiaries of Bank.

3.       Affirmative Covenants.  The Borrower and Guarantor shall:

         3.1      Insurance. Maintain insurance with financially sound and
                  reputable insurers covering its properties and business
                  against those casualties and contingencies and in the types
                  and amounts as are in accordance with sound business and
                  industry practices, and as required by any of the Loan
                  Documents.

         3.2      Existence. Maintain its existence and business operations as
                  presently in effect in accordance with all applicable laws and
                  regulations, pay its debts and obligations when due under
                  normal terms, and pay on or before their due date, all taxes,
                  assessments, fees and other governmental monetary obligations,
                  except as they may be contested in good faith if they have
                  been properly reflected on its books and, at the Bank's
                  request, adequate funds or security has been pledged to insure
                  payment.

         3.3.     Financial Records. Maintain proper books and records of
                  account in accordance with generally accepted accounting
                  principles, and consistent with financial statements
                  previously submitted to the Bank.

         3.4      Inspection. Permit the Bank to inspect and copy the Borrower's
                  and Guarantor's business records related to it at such times
                  and at such intervals as the Bank may reasonably require, and
                  to discuss the Borrower's and Guarantor's business, operations
                  and financial condition with the Borrower's and Guarantor's
                  officers and accountants.

         3.5.     Management. Maintain the current management of Borrower and
                  Guarantor. A change in the management of Borrower or Guarantor
                  must have the prior written consent of Bank, however, such
                  consent shall not be unreasonably withheld, provided that
                  Borrower's or Guarantor's new management is as qualified as
                  existing management.

         3.6      Financial Reports. Furnish, or cause to be furnished, to the
                  Bank whatever information, books and records the Bank may
                  reasonably request, including at a minimum:

                  Borrower. Borrower will deliver to Bank within forty-five (45)
                  --------
                  days after the end of each fiscal quarter of Borrower a
                  financial statement or balance sheet and income statement of
                  Borrower as of the end of such period. Borrower will deliver
                  to Bank, within one hundred twenty (120) days after the close
                  of the fiscal year a financial statement or balance sheet and
                  income statement of such Borrower as of the end of such fiscal
                  year. Such financial statements, balance sheets and income
                  statements shall be in form, scope and detail satisfactory to
                  Bank and shall be prepared by Borrower or representative of
                  Borrower acceptable to Bank. If, and as often as, reasonably
                  requested by Bank, Borrower will make further reports of
                  operations in such form as Bank prescribes, setting out full
                  data requested by Bank.

                  Borrower further covenants and agrees with Bank that, while
                  this Loan Agreement is in effect, within forty-five (45) days
                  after the end of each fiscal quarter of Borrower, and within
                  one hundred twenty (120) days after the end of each fiscal
                  year of Borrower, Borrower shall furnish to Bank a certificate
                  executed by Borrower's chief financial officer, or other
                  officer or person acceptable to Bank, (a) certifying that the
                  representations and warranties set forth in this Loan
                  Agreement are true and correct

                                                                          Page 2
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                  as of the date of the certificate and that, as of the date of
                  the certificate, no Event of Default exists under this Loan
                  Agreement, and (b) based upon Borrower's financial statements
                  for the ended fiscal year, demonstrating compliance with all
                  financial covenants applicable to Borrower as set forth in
                  this Loan Agreement.

                  Guarantor. Guarantor will deliver to Bank, within one hundred
                  ---------
                  twenty (120) days after the close of the fiscal year of such
                  Guarantor a financial statement or balance sheet and income
                  statement of Guarantor as of the end of such period. Such
                  financial statements, balance sheets and income statements
                  will include all subsidiaries and shall be in form, scope and
                  detail satisfactory to Bank and shall be audited by a
                  certified public accountant acceptable to Bank acceptable to
                  Bank. If, and as often as, reasonably requested by Bank, said
                  Guarantor will make further reports of operations in such form
                  as Bank prescribes, setting out full data requested by Bank.

                  Guarantor further covenants and agrees with Bank that, while
                  this Loan Agreement is in effect, within sixty (60) days after
                  the end of each fiscal quarter of Guarantor, and within one
                  hundred twenty (120) days after the end of each fiscal year of
                  Guarantor, Guarantor shall furnish or cause to be furnished to
                  Bank a certificate executed by Guarantor's chief financial
                  officer, or other officer or person acceptable to Bank,
                  demonstrating that, based upon, as applicable, Guarantor's
                  quarterly or audited annual financial statements, as of the
                  ended fiscal quarter or year, Guarantor was in compliance with
                  the financial covenants applicable to Guarantor as set forth
                  in this Loan Agreement.

                  Guarantor further covenants and agrees with Bank that, while
                  this Loan Agreement is in effect, Guarantor will furnish or
                  cause to be furnished to Bank, within sixty (60) days after
                  filing, a copy of each quarterly 10-Q Report of Guarantor
                  filed with the Securities and Exchange Commission.

         3.7      Notices of Claims, Litigation, Defaults, etc. Promptly inform
                  the Bank in writing of (1) all existing and all threatened
                  litigation, claims, investigations, administrative proceedings
                  and similar actions affecting the Borrower which could
                  materially affect the financial condition of the Borrower or
                  Guarantor; (2) the occurrence of any event which gives rise to
                  the Bank's option to terminate the Credit Facilities; (3) the
                  institution of steps by Borrower or Guarantor to withdraw
                  from, or the institution of any steps to terminate, any
                  employee benefit plan as to which Borrower or Guarantor may
                  have liability; (4) any additions to or changes in the
                  locations of Borrower's or Guarantor's businesses; and (5) any
                  alleged breach of any provision of this agreement or of any
                  other agreement related to the Credit Facilities by the Bank.

         3.8      Additional Information. Furnish such additional information
                  and statements as Bank may request from time to time.

         3.9      Other Agreements. Comply with all terms and conditions of all
                  other agreements, whether now or hereafter existing, between
                  Borrower and any other party.

         3.10     Additional Assurances. Make, execute and deliver to Bank such
                  other agreements as Bank may reasonably request to evidence
                  the Credit Facilities and to perfect any security interests.

         3.11     Employee Benefit Plans. Maintain each employee benefit plan as
                  to which Borrower may have any liability, in compliance with
                  all applicable requirements of law and regulations.

         3.12     Appraisals. Reimburse Bank for any and all costs incurred by
                  Bank if, from time to time while any of the Liabilities
                  remains unpaid, Bank, in its sole discretion, obtains an
                  appraisal of all or any part of any collateral securing any of
                  the Credit Facilities which is real property. At the request
                  of Borrower, Bank will furnish Borrower with a copy of any
                  such appraisal.

         3.13     Debt Service Coverage Ratio.

                  Borrower. Borrower covenants and agrees with Bank that, while
                  --------
                  this Loan Agreement is in effect, Borrower will comply with
                  the following: Maintain, as of the end of each fiscal quarter,
                  a ratio of (a) net income, plus amortization, depreciation,
                  and interest expense, plus lease expense, for the preceding
                  full twelve month period, to (b) current maturities of long
                  term debt, plus current maturities of long term leases, plus
                  operating lease expense, for the same such twelve month
                  period, of not less than 1.2 to 1.0. All computations made to
                  determine compliance with the requirements contained in this
                  paragraph shall be made in accordance with generally accepted
                  accounting principles, applied on a consistent basis.

                  Borrower further covenants and agrees with Bank that, while
                  this Loan Agreement is in effect, Borrower will comply with
                  the following: Maintain, as of the end of each fiscal quarter,
                  a ratio of (a) net income, plus amortization, depreciation,
                  and interest expense, plus lease expense, minus Distributions,
                  for the preceding full twelve month period, to (b) current
                  maturities of long term debt, plus current maturities of long
                  term leases, plus operating lease expense, for the same such
                  twelve month period, of not less than 1 to 1. As used in this
                  covenant, the term "Distributions" shall mean all dividends
                  and other distributions made by Borrower to its parent, Mace
                  Security International, Inc. Except as provided above, all
                  computations made to determine

                                                                         Page  3
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                  compliance with the requirements contained in this paragraph
                  shall be made in accordance with generally accepted accounting
                  principles, applied on a consistent basis.

                  Guarantor. Guarantor covenants and agrees with Bank that,
                  ---------
                  while this Loan Agreement is in effect Guarantor will comply
                  with the following: Maintain, as of the end of each fiscal
                  quarter, a ratio of (a) net income, plus amortization,
                  depreciation, and interest expense, plus income taxes, for the
                  preceding full twelve-month period, to (b) current maturities
                  of long term debt, plus current maturities of long term
                  leases, plus interest expense, for the same such twelve- month
                  period, of not less than the Required Ratio. As used herein,
                  "Required Ratio" shall mean 1.4 to 1.0 for the twelve-month
                  period ending December 31, and 1.5 to 1.0 for the twelve-month
                  periods ending March 31, June 30 and September 30. All
                  computations made to determine compliance with the
                  requirements contained in this paragraph shall be made in
                  accordance with generally accepted accounting principles,
                  applied on a consistent basis.

         3.14     Debt to Tangible Net Worth Ratio.

                  Borrower. Borrower covenants and agrees with Bank that, while
                  --------
                  this Loan Agreement is in effect, Borrower will comply with
                  the following: Maintain as of the end of each fiscal quarter,
                  a ratio of (a) total liabilities, to (b) Tangible Net Worth,
                  of less than 2.5 to 1.0. As used in this covenant, the term
                  "Tangible Net Worth" shall mean Borrower's total assets
                  excluding all intangible assets (including, without
                  limitation, goodwill, trademarks, patents, copyrights,
                  organization expenses, and similar intangible items) less
                  total liabilities excluding Subordinated Debt. As used in this
                  covenant, the term "Subordinated Debt" shall mean all
                  indebtedness owing by Borrower which has been subordinated by
                  written agreement to all indebtedness now or hereafter owing
                  by Borrower to Bank, such agreement to be in form and
                  substance acceptable to Bank. Except as provided above, all
                  computations made to determine compliance with the
                  requirements contained in this paragraph shall be made in
                  accordance with generally accepted accounting principles,
                  applied on a consistent basis, and certified by Borrower as
                  being true and correct.

                  Guarantor. Guarantor covenants and agrees with Bank that,
                  ---------
                  while this Loan Agreement is in effect, Guarantor will comply
                  with the following: Guarantor will maintain as of the end of
                  each fiscal quarter, a ratio of (a) total liabilities, to (b)
                  Tangible Net Worth, of less than 2 to 1. As used in thus
                  covenant, the term "Tangible Net Worth" shall mean Guarantor's
                  total assets excluding all intangible assets (including,
                  without limitation, goodwill, trademarks, patents, copyrights,
                  organization expenses, and similar intangible items) less
                  total liabilities excluding Subordinated Debt. As used in this
                  covenant, the term "Subordinated Debt" shall mean all
                  indebtedness owing by Guarantor which has been subordinated by
                  written agreement to all indebtedness now or hereafter owing
                  by Guarantor to Bank, including but not limited to Guarantor's
                  guarantee of indebtedness of Borrower to Bank, such agreement
                  to be in form and substance acceptable to Bank. Except as
                  provided above, all computations made to determine compliance
                  with the requirements contained in this paragraph shall be
                  made in accordance with generally accepted accounting
                  principles, applied on a consistent basis.

4.       Negative Covenants.

         4.1      Unless otherwise noted, the financial requirements set forth
                  in this section will be computed in accordance with generally
                  accepted accounting principles applied on a basis consistent
                  with financial statements previously submitted by the Borrower
                  and Guarantor to the Bank.

         4.2      Without the written consent of the Bank, the Borrower or
                  Guarantor will not:

                  A.       Transfer of Ownership or Assets. Permit the sale,
                           transfer or pledge of any material portion of its
                           assets for less than full and adequate consideration.

                  B.       Liens. Create or permit to exist any lien on any of
                           its property, real or personal, except existing liens
                           known to the Bank; liens to the Bank; liens incurred
                           in the ordinary course of business securing current
                           nondelinquent liabilities for taxes, worker's
                           compensation, unemployment insurance, social security
                           and pension liabilities.

                  C.       Use of Proceeds. Use, or permit any proceeds of the
                           Term Loan to be used, directly or indirectly, for any
                           purpose other than as stated in Section 1.2 above.

                  D.       Continuity of Operations. (1) Engage in any business
                           activities substantially different from those in
                           which Borrower and Guarantor are presently engaged;
                           (2) cease operations, liquidate, merge, transfer,
                           acquire or consolidate with any other entity, change
                           its name, dissolve, or sell any assets out of the
                           ordinary course of business; or (3) enter into any
                           arrangement with any person providing for the leasing
                           by the Borrower or Guarantor or any subsidiary of
                           real or personal property which has been sold or
                           transferred by the Borrower or Guarantor or
                           subsidiary to such person.

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<PAGE>

                  E.       Affiliate Transactions. Guarantor will not engage in
                           any transaction with an affiliate of Guarantor, other
                           than wholly owned subsidiaries, unless such
                           transaction is made on terms no less favorable than
                           those available with similarly qualified third
                           parties.

5.       Representations by Borrower. Borrower represents that: (a) the
         execution and delivery of this agreement and the Promissory Note
         evidencing the Term Loan, and the performance of the obligations they
         impose, do not violate any law, conflict with any agreement by which it
         is bound, or require the consent or approval of any governmental
         authority or other third party, (b) this agreement and the Notes are
         valid and binding agreements, enforceable according to their terms, (c)
         all balance sheets, profit and loss statements, and other financial
         statements and other information furnished to the Bank in connection
         with the Liabilities are accurate and fairly reflect the financial
         condition of the organizations and persons to which they apply on their
         effective dates, including contingent liabilities of every type, which
         financial condition has not changed materially and adversely since
         those dates, (d) no litigation, claim, investigation, administrative
         proceeding or similar action (including those for unpaid taxes) against
         Borrower is pending or threatened, and no other event has occurred
         which may in any one case or in the aggregate materially adversely
         affect Borrower's financial condition and properties, other than
         litigation, claims, or other events, if any, that have been disclosed
         to and acknowledged by Bank in writing, (e) all of Borrower's tax
         returns and reports that are or were required to be filed, have been
         filed, and all taxes, assessments and other governmental changes have
         been paid in full, except those presently being contested by Borrower
         in good faith and for which adequate reserves have been provided, (f)
         Borrower is not a "holding company" or a company "controlled" by an
         "investment company", within the meaning of the Investment Company Act
         of 1940, as amended, (g) Borrower is not a "holding company", or a
         "subsidiary company" of a "holding company" or an "affiliate" of a
         "holding company" or of a "subsidiary company" of a "holding company"
         within the meaning of the Public Utility Holding Company Act of 1935,
         as amended, (h) there are no defenses or counterclaims, offsets or
         adverse claims, demands or actions of any kind, personal or otherwise,
         that Borrower could assert with respect to this agreement or the Credit
         Facilities, (i) no portion of any advance under any Credit Facility
         shall be used directly or indirectly to purchase ineligible securities,
         as defined by applicable regulations of the Federal Reserve Board,
         underwritten by BANK ONE CORPORATION or any of its subsidiaries or
         affiliates or their successors, during the underwriting period and for
         30 days thereafter, (j) Borrower owns, or is licensed to use, all
         trademarks, trade names, copyrights, technology, know-how and processes
         necessary for the conduct of its business as currently conducted, and
         (k) no part of the proceeds of the Credit Facilities will be used for
         "purchasing" or "carrying" any "margin stock" within the respective
         meanings of each of the quoted terms under Regulation U of the Board of
         Governors of the Federal Reserve System of the United States (the
         "Board") as now and from time to time hereafter in effect or for any
         purpose which violates the provisions of any regulations of the Board.
         Each Borrower, other than a natural person, further represents that:
         (a) it is duly organized, existing and in good standing pursuant to the
         laws under which it is organized, and (b) the execution and delivery of
         this agreement and the Notes and the performance of the obligations
         they impose (i) are within its powers, (ii) have been duly authorized
         by all necessary action of its governing body, and (iii) do not
         contravene the terms of its articles of incorporation or organization,
         its by-laws, or any partnership, operating or other agreement governing
         its affairs.

6.       Default/Remedies. If any of the Credit Facilities are not paid at
         maturity, whether by acceleration or otherwise, or if a default by
         anyone occurs under the terms of this agreement, the Notes or any
         agreement related to the Credit Facilities, then the Bank shall have
         all of the rights and remedies provided by any law or agreement.

7.       Miscellaneous.

         7.1      Notices. Any notices and demands under or related to this
                  document shall be in writing and delivered to the intended
                  party at its address stated herein, and if to the Bank, at its
                  main office if no other address of the Bank is specified
                  herein, by one of the following means: (a) by hand, (b) by a
                  nationally recognized overnight courier service, or (c) by
                  certified mail, postage prepaid, with return receipt
                  requested. Notice shall be deemed given: (a) upon receipt if
                  delivered by hand, (b) on the Delivery Day after the day of
                  deposit with a nationally recognized courier service, or (c)
                  on the third Delivery Day after the notice is deposited in the
                  mail. "Delivery Day" means a day other than a Saturday, a
                  Sunday, or any other day on which national banking
                  associations are authorized to be closed. Any party may change
                  its address for purposes of the receipt of notices and demands
                  by giving notice of such change in the manner provided in this
                  provision.

         7.2      No Waiver. No delay on the part of the Bank in the exercise of
                  any right or remedy waives that right or remedy. No single or
                  partial exercise by the Bank of any right or remedy precludes
                  any other future exercise of it or the exercise of any other
                  right or remedy. No waiver or indulgence by the Bank of any
                  default is effective unless it is in writing and signed by the
                  Bank, nor shall a waiver on one occasion bar or waive that
                  right on any future occasion.

         7.3      Integration. This agreement supersedes all prior loan
                  agreements relating to any of the Credit Facilities. If any
                  one or more of the obligations of the Borrower under this
                  agreement or the Notes is invalid, illegal or unenforceable in
                  any jurisdiction, the validity, legality and enforceability of
                  the remaining obligations of the Borrower shall not in any way
                  be affected or impaired, and the invalidity, illegality or
                  unenforceability in one jurisdiction shall not affect the
                  validity, legality or enforceability of the obligations of the
                  Borrower under this agreement or the Notes in any other
                  jurisdiction.

                                                                          Page 5
<PAGE>

         7.4      Governing Law and Venue. This agreement is delivered in the
                  State of Texas and governed by Texas law (without giving
                  effect to its laws of conflicts). The Borrower agrees that any
                  legal action or proceeding with respect to any of its
                  obligations under this agreement may be brought in any state
                  or federal court located in such state, as the Bank in its
                  sole discretion may direct. By execution and delivery of this
                  agreement, the Borrower submits to and accepts, for itself and
                  in respect of its property, generally and unconditionally, the
                  jurisdiction of such courts. The Borrower waives any claim
                  that the State of Texas is not a convenient forum or the
                  proper venue for any such suit, action or proceeding.

         7.5      Captions.  Section headings are for convenience of reference
                  only and do not affect the interpretation of this agreement.

         7.6      Subsidiaries and Affiliates of Borrower. To the extent the
                  context of any provisions of this agreement makes it
                  appropriate, including without limitation any representation,
                  warranty or covenant, the word "Borrower" as used in this
                  agreement shall include all of Borrower's subsidiaries and
                  affiliates. Notwithstanding the foregoing, however, under no
                  circumstances shall this agreement be construed to require
                  Bank to make any loan or other financial accommodation to any
                  of Borrower's subsidiaries or affiliates.

         7.7      Survival of Representations and Warranties. Borrower
                  understands and agrees that in extending the Credit
                  Facilities, Bank is relying on all representations,
                  warranties, and covenants made by Borrower in this agreement
                  or in any certificate or other instrument delivered by
                  Borrower to Bank under this agreement. Borrower further agrees
                  that regardless of any investigation made by Bank, all such
                  representations, warranties and covenants will survive the
                  making of the Credit Facilities and delivery to Bank of this
                  agreement, shall be continuing in nature, and shall remain in
                  full force and effect until such time as Borrower's
                  indebtedness to Bank shall be paid in full.

         7.8      Non-Liability of Bank. The relationship between Borrower and
                  Bank created by this agreement is strictly a debtor and
                  creditor relationship and not fiduciary in nature, nor is the
                  relationship to be construed as creating any partnership or
                  joint venture between Bank and Borrower. Borrower is
                  exercising Borrower's own judgment with respect to Borrower's
                  business. All information supplied to Bank is for Bank's
                  protection only and no other party is entitled to rely on such
                  information. There is no duty for Bank to review, inspect,
                  supervise or inform Borrower of any matter with respect to
                  Borrower's business. Bank and Borrower intend that Bank may
                  reasonably rely on all information supplied by Borrower to
                  Bank, together with all representations and warranties given
                  by Borrower to Bank, without investigation or confirmation by
                  Bank and that any investigation or failure to investigate will
                  not diminish Bank's right to so rely.

         7.9      Indemnification of Bank. Borrower agrees to indemnify, defend
                  and hold Bank and BANK ONE CORPORATION, or any of its
                  subsidiaries or affiliates or their successors, and each of
                  their respective shareholders, directors, officers, employees
                  and agents (collectively the "Indemnified Persons") harmless
                  from any and all obligations, claims, liabilities, losses,
                  damages, penalties, fines, forfeitures, actions, judgments,
                  suits, costs, expenses and disbursements of any kind or nature
                  (including, without limitation, any Indemnified Person's
                  attorneys' fees) (collectively the "Claims") which may be
                  imposed upon, incurred by or assessed against any Indemnified
                  Person (whether or not caused by any Indemnified Person's
                  sole, concurrent, or contributory negligence) arising out of
                  or relating to this agreement; the exercise of the rights and
                  remedies granted under this agreement (including, without
                  limitation, the enforcement of this agreement and the defense
                  of any Indemnified Person's action or inaction in connection
                  with this agreement); and in connection with Borrower's
                  failure to perform all of Borrower's obligations under this
                  agreement, except to the limited extent that the Claims
                  against any such Indemnified Person are proximately caused by
                  such Indemnified Person's gross negligence or willful
                  misconduct. The indemnification provided for in this section
                  shall survive the termination of this agreement and shall
                  extend to and continue to benefit each individual or entity
                  who is or has at any time been an Indemnified Person.

                  Borrower's indemnity obligations under this section shall not
                  in any way be affected by the presence or absence of covering
                  insurance, or by the amount of such insurance or by the
                  failure or refusal of any insurance carrier to perform any
                  obligation on its part under any insurance policy or policies
                  affecting Borrower's assets or Borrower's business activities.
                  Should any Claim be made or brought against any Indemnified
                  Person by reason of any event as to which Borrower's
                  indemnification obligations apply, then, upon any Indemnified
                  Person's demand, Borrower, at its sole cost and expense, shall
                  defend such Claim in Borrower's name if necessary, by the
                  attorneys for Borrower's insurance carrier (if such Claim is
                  covered by insurance), or otherwise by such attorneys as any
                  Indemnified Person shall approve. Any Indemnified Person may
                  also engage its own attorneys at its reasonable discretion to
                  defend Borrower and to assist in its defense and Borrower
                  agrees to pay the fees and disbursements of such attorneys.

                  WITHOUT LIMITATION OF THE FOREGOING, IT IS THE INTENTION OF
                  BORROWER AND BORROWER AGREES THAT THE FOREGOING INDEMNITIES
                  SHALL APPLY TO EACH INDEMNIFIED PERSON WITH RESPECT TO CLAIMS,
                  OBLIGATIONS, DAMAGES, LOSSES, COSTS, EXPENSES (INCLUDING,
                  WITHOUT LIMITATION, ATTORNEYS' FEES), DEMANDS, LIABILITIES,
                  PENALTIES, FINES AND FORFEITURES WHICH IN WHOLE OR IN PART ARE
                  CAUSED BY OR ARISE OUT OF THE NEGLIGENCE OF SUCH (AND/OR ANY
                  OTHER) INDEMNIFIED PERSON.

                                                                          Page 6
<PAGE>

         7.10     Counterparts. This agreement may be executed in multiple
                  counterparts, each of which, when so executed, shall be deemed
                  an original, but all such counterparts, taken together, shall
                  constitute one and the same agreement.

         7.11     Sole Discretion of Bank. Whenever Bank's consent or approval
                  is required under this agreement, the decision as to whether
                  or not to consent or approve shall be in the sole and
                  exclusive discretion of Bank and Bank's decision shall be
                  final and conclusive.

         7.12     Advice of Counsel. Borrower acknowledges that it has been
                  advised by counsel, or had the opportunity to be advised by
                  counsel, in the negotiation, execution and delivery of this
                  agreement and any documents executed and delivered in
                  connection with the Credit Facilities.

         7.13     Recovery of Additional Costs. If the imposition of or any
                  change in any law, rule, regulation, or guideline, or the
                  interpretation or application of any thereof by any court or
                  administrative or governmental authority (including any
                  request or policy not having the force of law) shall impose,
                  modify, or make applicable any taxes (except federal, state,
                  or local income or franchise taxes imposed on Bank), reserve
                  requirements, capital adequacy requirements, or other
                  obligations which would (A) increase the cost to Bank for
                  extending or maintaining the Credit Facilities, (B) reduce the
                  amounts payable to Bank under the Credit Facilities, or (C)
                  reduce the rate of return on Bank's capital as a consequence
                  of Bank's obligations with respect to the Credit Facilities,
                  then Borrower agrees to pay Bank such additional amounts as
                  will compensate Bank therefor, within five (5) days after
                  Bank's written demand for such payment. The Bank's demand
                  shall be accompanied by an explanation of such imposition or
                  charge and a calculation in reasonable detail of the
                  additional amounts payable by Borrower, which explanation and
                  calculations shall be conclusive in the absence of manifest
                  error.

         7.14     Conflicting Terms. If this agreement is inconsistent with any
                  provision in any agreement related to the Credit Facilities,
                  the Bank shall determine, in the Bank's sole and absolute
                  discretion, which of the provisions shall control any such
                  inconsistency.

         7.15     Expenses. Borrower agrees to pay or reimburse Bank for all its
                  out-of-pocket costs and expenses and reasonable attorneys'
                  fees incurred in connection with the development, preparation
                  and execution of, and in connection with the enforcement or
                  preservation of any rights under, this agreement, any
                  amendment, supplement, or modification thereto, and any other
                  documents prepared in connection herewith or therewith. These
                  costs and expenses include without limitation any costs or
                  expenses incurred by Bank in any bankruptcy, reorganization,
                  insolvency or other similar proceeding.

         7.16     Loan Participation. Borrower agrees that Bank may provide any
                  information Bank may have about Borrower or about any matter
                  relating to the Note to BANK ONE CORPORATION, or any of its
                  subsidiaries or affiliates or their successors, or to any one
                  or more purchasers or potential purchasers of the Note.
                  Borrower agrees that Bank may at any time sell, assign or
                  transfer one of more interests or participations in all or any
                  part of its rights or obligations in the Note to one or more
                  purchases whether or not related to Bank.

8.       WAIVER OF SPECIAL DAMAGES. THE BORROWER WAIVES, TO THE MAXIMUM EXTENT
         NOT PROHIBITED BY LAW, ANY RIGHT THE UNDERSIGNED MAY HAVE TO CLAIM OR
         RECOVER FROM BANK IN ANY LEGAL ACTION OR PROCEEDING ANY SPECIAL,
         EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES.

9.       JURY WAIVER. BORROWER AND BANK HEREBY VOLUNTARILY, KNOWINGLY,
         IRREVOCABLY AND UNCONDITIONALLY WAIVE ANY RIGHT TO HAVE A JURY
         PARTICIPATE IN RESOLVING ANY DISPUTE (WHETHER BASED ON CONTRACT, TORT,
         OR OTHERWISE) BETWEEN BORROWER AND BANK ARISING OUT OF OR IN ANY WAY
         RELATED TO THIS LOAN AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS
         LOAN AGREEMENT. THIS PROVISION IS A MATERIAL INDUCEMENT TO BANK TO
         PROVIDE THE FINANCING DESCRIBED HEREIN.

Executed by the parties as of November 28, 2000.

BANK:                                          BORROWER:

BANK ONE, TEXAS, NATIONAL ASSOCIATION          EAGER BEAVER CAR WASH, INC., a
                                                Florida corporation

By: /s/ Mark W. Warren                         By: /s/ Robert M. Kramer
    ------------------                             --------------------
       Mark W. Warren, Senior Vice President       Robert M. Kramer, Secretary

                                                                          Page 7
<PAGE>

                          ACKNOWLEDGMENT BY GUARANTOR

The undersigned acknowledges that it had the opportunity to review the above
agreement. This acknowledgment shall not be deemed or construed to affect or
impair any provisions of any guaranty agreement executed and delivered by the
undersigned.

                                       MACE SECURITY INTERNATIONAL, INC.

                                       By:    /s/ Gregory M. Krzemien
                                              -----------------------
                                                Gregory M. Krzemien, Treasurer

                                                                          Page 8
<PAGE>

                                                                  Exhibit 10.130

                                PROMISSORY NOTE

$6,754,400.00                                                  November 28, 2000

     FOR VALUE RECEIVED, on or before November 28,  2003  ("Maturity Date"), the
                                                            -------------
undersigned, EAGER BEAVER CAR WASH, INC., a Florida corporation, and if more
than one, each of them, jointly and severally (hereinafter referred to as
"Borrower"), promises to pay to the order of BANK ONE, TEXAS, NATIONAL
---------
ASSOCIATION ("Bank") at its offices in Tarrant County, Texas at 1301 S. Bowen
              ----
Road, Suite 125, Arlington, Texas 76013, the principal amount of SIX MILLION,
SEVEN HUNDRED FIFTY-FOUR THOUSAND, FOUR HUNDRED AND NO/100 DOLLARS
($6,754,400.00) ("Total Principal Amount"), or such amount less than the Total
                  ----------------------
Principal Amount which has been advanced to Borrower if the total amount
advanced under this Promissory Note ("Note") is less than the Total Principal
                                      ----
Amount, together with interest on such portion of the Total Principal Amount
which has been advanced to Borrower from the date advanced until paid at a
fluctuating rate per annum which shall from day to day be equal to the lesser of
(a) the Maximum Rate (as hereinafter defined), or (b) a rate ("Contract Rate"),
                                                               -------------
calculated on the basis of the actual days elapsed but computed as if each year
consisted of 360 days, equal to the sum of (i) the Prime Rate (as hereinafter
defined), plus (ii) one-fourth percent (.25%); provided, however, that if at any
time the Contract Rate shall exceed the Maximum Rate, thereby causing the
interest on this Note to be limited to the Maximum Rate, then any subsequent
reduction in the Prime Rate shall not reduce the rate of interest on this Note
below the Maximum Rate until the total amount of interest accrued on this Note
equals the amount of interest which would have accrued on this Note if the
Contract Rate had at all times been in effect.

     The term "Maximum Rate," as used herein, shall mean at the particular time
               ------------
in question the maximum rate of interest which, under applicable law, may then
be charged on this Note.  If such maximum rate of interest changes after the
date hereof and this Note provides for a fluctuating rate of interest, the
Maximum Rate shall be automatically increased or decreased, as the case may be,
without  notice to Borrower from time to time as of the effective date of each
change in such Maximum Rate.  If applicable law ceases to provide for such a
maximum rate of interest, the Maximum Rate shall be equal to eighteen percent
(18%) per annum.

     The term "Prime Rate," as used herein, shall mean a rate per annum equal to
               ----------
the prime rate of interest announced from time to time by Bank One, Texas,
National Association or its parent (which is not necessarily the lowest rate
charged to any customer), changing when and as said prime rate changes, each
change in the rate to be charged on this Note to become effective without notice
to Borrower on the effective date of each change in the Maximum Rate or the
Prime Rate, as the case may be.

     Interest on this Note is computed by applying the ratio of the annual
interest rate over a year of 360 days, multiplied by the outstanding principal
balance, multiplied by the actual number of days the principal balance is
outstanding.

     The principal of and all accrued but unpaid interest on this Note shall be
due and payable without offset or reduction as follows:

     (x)   Principal and interest shall be amortized on the basis of a fifteen
(15) year term payable in monthly installments of principal and interest in the
amount of Seventy-One Thousand, Five Hundred Fifty-Three and 59/100 Dollars
($71,553.59) commencing on December 28, 2000, and continuing on the same day of
each month thereafter through November 28, 2001.  Interest shall be adjusted
with each change in the Prime Rate.  Each such payment shall be applied first to
accrued but unpaid interest and then to principal. Commencing on December 28,
2001 and continuing through November 28, 2002, the amount of such monthly
principal and interest payments shall be determined based upon the Prime Rate in
effect on November 28, 2001, and amortized over the remaining portion of the
fifteen (15) year amortization  period.  Commencing on December 28th of each
year beginning in 2002, the monthly principal and interest installments
thereafter due and payable shall be adjusted annually based on the remaining
portion of the fifteen (15) year amortization period and the Prime Rate in
effect on the 28th day of November of that year.  In the event the Prime Rate
shall increase to a rate such that the monthly payment of principal and interest
then payable shall not be sufficient to equal the total unpaid interest accrued
to such payment date, then Borrower shall pay monthly an amount equal to the
interest due on such payment date.

     (x)   the outstanding principal balance of this Note, together with all
accrued but unpaid interest, shall be due and payable on the Maturity Date.

     If a payment is ten (10) or more days late, Borrower will pay a delinquency
charge in an amount equal to the greater of (i) $25.00, or (ii) 5.0% of the
amount of the delinquent payment up to the maximum amount of $1,500.00 per late
charge.  Upon default, including failure to pay upon final maturity, Bank, at
its option, may also, if permitted under applicable law, do one or both of the
following: (a) increase the applicable interest rate on this Note three (3.00)
percentage points, and (b) add any unpaid accrued interest to principal and such
sum will bear interest therefrom until paid at the rate provided in this Note
(including any increased rate).  The interest rate will not exceed the maximum
rate permitted by applicable law.

                                                                          Page 1
<PAGE>

     Borrower may from time to time prepay all or any portion of the principal
of this Note for which right Borrower shall also pay a penalty equal to a
percentage of the prepayment amount.  Prior to the first anniversary date of the
Note, the penalty shall be three percent (3%).  After the first anniversary date
of the Note and after each successive anniversary date thereafter, the penalty
previously in effect shall reduce by one percent (1%).  Partial prepayments
shall be applied to installments of principal in the inverse order of maturity
and will not reduce the amount or time of payment of the remaining installments.
Unless otherwise agreed to in writing, or otherwise required by applicable law,
payments will be applied first to unpaid accrued interest, then to principal,
and any remaining amount to any unpaid collection costs, late charges and other
charges; provided, however, upon delinquency or other default, Bank reserves the
right to apply payments among principal, interest, late charges, collection
costs and other charges, at its discretion.   All prepayments shall be applied
to the indebtedness owing hereunder in such order and manner as Bank may from
time to time determine in its sole discretion.   All payments and prepayments of
principal of or interest on this Note shall be made in lawful money of the
United States of America in immediately available funds, at the address of Bank
indicated above, or such other place as the holder of this Note shall designate
in writing to Borrower.  If any payment of principal of or interest on this Note
shall become due on a day which is not a Business Day (as hereinafter defined),
such payment shall be made on the next succeeding Business Day and any such
extension of time shall be included in computing interest in connection with
such payment.  As used herein, the term "Business Day" shall mean any day other
                                         ------------
than a Saturday, Sunday or any other day on which national banking associations
are authorized to be closed.  The books and records of Bank shall be prima facie
                                                                     ----- -----
evidence of all outstanding principal of and accrued and unpaid interest on this
Note.

     This Note has been executed and delivered pursuant to that certain Loan
Agreement of even date herewith by and between Borrower and Bank ("Loan
                                                                   ----
Agreement"), and is secured by, inter alia, the following:
---------                       ----- ----

          A Mortgage of even date herewith from Borrower in favor of Bank,
     covering certain real property situated in Lee, Manatee and Sarasota
     Counties, Florida, as more particularly described therein.

                                 .

     This Note, the Loan Agreement and all other documents evidencing, securing,
governing, guaranteeing and/or pertaining to this Note, including but not
limited to those documents described above, are hereinafter collectively
referred to as the "Loan Documents."  The holder of this Note is entitled to the
                    --------------
benefits and security provided in the Loan Documents.

     Borrower agrees that no advances under this Note shall be used for
personal, family or household purposes, and that all advances hereunder shall be
used solely for business, commercial, investment, or other similar purposes.

     Borrower agrees that upon the occurrence of any one or more of the
following events of default ("Event of Default"):
                              ----------------

          (a) failure of Borrower to pay any installment of principal of or
     interest on this Note or on any other indebtedness of Borrower to Bank when
     due; or

          (b) the occurrence of any event of default specified in any of the
     other Loan Documents; or

          (c) the bankruptcy or insolvency of, the assignment for the benefit of
     creditors by, or the appointment of a receiver for any of the property of,
     or the liquidation, termination, dissolution or death or legal incapacity
     of, any party liable for the payment of this Note, whether as maker,
     endorser, guarantor, surety or otherwise;

the holder of this Note may, at its option, without further notice or demand,
(i) declare the outstanding principal balance of and accrued but unpaid interest
on this Note at once due and payable, (ii) refuse to advance any additional
amounts under this Note, (iii) foreclose all liens securing payment hereof, (iv)
pursue any and all other rights, remedies and recourses available to the holder
hereof, including but not limited to any such rights, remedies or recourses
under the Loan Documents, at law or in equity, or (v) pursue any combination of
the foregoing.

     The failure to exercise the option to accelerate the maturity of this Note
or any other right, remedy or recourse available to the holder hereof upon the
occurrence of an Event of Default hereunder shall not constitute a waiver of the
right of the holder of this Note to exercise the same at that time or at any
subsequent time with respect to such Event of Default or any other Event of
Default.  The rights, remedies and recourses of the holder hereof, as provided
in this Note and in any of the other Loan Documents, shall be cumulative and
concurrent and may be pursued separately, successively or together as often as
occasion therefore shall arise, at the sole discretion of the holder hereof.
The acceptance by the holder hereof of any payment under this Note which is less
than the payment in full of all amounts due and payable at the time of such
payment shall not (i) constitute a waiver of or impair, reduce, release or
extinguish any right, remedy or recourse of the holder hereof, or nullify any
prior exercise of any such right, remedy or recourse, or (ii)

                                                                          Page 2
<PAGE>

impair, reduce, release or extinguish the obligations of any party liable under
any of the Loan Documents as originally provided herein or therein.

     This Note and all of the other Loan Documents are intended to be performed
in accordance with, and only to the extent permitted by, all applicable usury
laws.  If any provision hereof or of any of the other Loan Documents or the
application thereof to any person or circumstance shall, for any reason and to
any extent, be invalid or unenforceable, neither the application of such
provision to any other person or circumstance nor the remainder of the
instrument in which such provision is contained shall be affected thereby and
shall be enforced to the greatest extent permitted by law.  It is expressly
stipulated and agreed to be the intent of the holder hereof to at all times
comply with the usury and other applicable laws now or hereafter governing the
interest payable on the indebtedness evidenced by this Note.  If the applicable
law is ever revised, repealed or judicially interpreted so as to render usurious
any amount called for under this Note or under any of the other Loan Documents,
or contracted for, charged, taken, reserved or received with respect to the
indebtedness evidenced by this Note, or if Bank's exercise of the option to
accelerate the maturity of this Note, or if any prepayment by Borrower results
in Borrower having paid any interest in excess of that permitted by law, then it
is the express intent of Borrower and Bank that all excess amounts theretofore
collected by Bank be credited on the principal balance of this Note (or, if this
Note and all other indebtedness arising under or pursuant to the other Loan
Documents have been paid in full, refunded to Borrower), and the provisions of
this Note and the other Loan Documents immediately be deemed reformed and the
amounts thereafter collectable hereunder and thereunder reduced, without the
necessity of the execution of any new document, so as to comply with the then
applicable law, but so as to permit the recovery of the fullest amount otherwise
called for hereunder or thereunder.  All sums paid, or agreed to be paid, by
Borrower for the use, forbearance, detention, taking, charging, receiving or
reserving of the indebtedness of Borrower to Bank under this Note or arising
under or pursuant to the other Loan Documents shall, to the maximum extent
permitted by applicable law, be amortized, prorated, allocated and spread
throughout the full term of such indebtedness until payment in full so that the
rate or amount of interest on account of such indebtedness does not exceed the
usury ceiling from time to time in effect and applicable to such indebtedness
for so long as such indebtedness is outstanding.  To the extent federal law
permits Bank to contract for, charge or receive a greater amount of interest,
Bank will rely on federal law instead of the Texas Finance Code, as supplemented
by Texas Credit Title, for the purpose of determining the Maximum Rate.
Additionally, to the maximum extent permitted by applicable law now or hereafter
in effect, Bank may, at its option and from time to time, implement any other
method of computing the Maximum Rate under the Texas Finance Code, as
supplemented by Texas Credit Title, or under other applicable law, by giving
notice, if required, to Borrower as provided by applicable law now or hereafter
in effect.  Notwithstanding anything to the contrary contained herein or in any
of the other Loan Documents, it is not the intention of Bank to accelerate the
maturity of any interest that has not accrued at the time of such acceleration
or to collect unearned interest at the time of such acceleration.

     In no event shall Chapter 346 of the Texas Finance Code (which regulates
certain revolving loan accounts and revolving tri-party accounts) apply to this
Note.  To the extent that Chapter 303 of the Texas Finance Code, is applicable
to this Note, the "weekly ceiling" specified in such  Chapter 303 is the
applicable ceiling; provided that, if any applicable law permits greater
interest, the law permitting the greatest interest shall  apply.

     If this Note is placed in the hands of an attorney for collection, or is
collected in whole or in part by suit or through probate, bankruptcy or other
legal proceedings of any kind, Borrower agrees to pay, in addition to all other
sums payable hereunder, all costs and expenses of collection, including but not
limited to reasonable attorneys' fees.

     Borrower and any and all endorsers and guarantors of this Note severally
waive presentment for payment, notice of nonpayment, protest, demand, notice of
protest, notice of intent to accelerate, notice of acceleration and dishonor,
diligence in enforcement and indulgences of every kind and without further
notice hereby agree to renewals, extensions, exchanges or releases of
collateral, taking of additional collateral, indulgences or partial payments,
either before or after maturity.

     Borrower agrees that Bank may provide any information Bank may have about
Borrower or about any matter relating to this Note to BANK ONE CORPORATION, or
any of its subsidiaries or affiliates or their successors, or to any one or more
purchasers or potential purchasers of this Note.  Borrower agrees that Bank may
at any time sell, assign or transfer one of more interests or participations in
all or any part of its rights or obligations in this Note to one or more
purchases whether or not related to Bank.

     BORROWER AND BANK (BY ITS ACCEPTANCE HEREOF) HEREBY VOLUNTARILY, KNOWINGLY,
IRREVOCABLY AND UNCONDITIONALLY WAIVE ANY RIGHT TO HAVE A JURY PARTICIPATE IN
RESOLVING ANY DISPUTE (WHETHER BASED UPON CONTRACT, TORT OR OTHERWISE) BETWEEN
BORROWER AND BANK ARISING OUT OF OR IN ANY WAY RELATED TO THIS NOTE OR THE
TRANSACTIONS CONTEMPLATED BY THIS NOTE.  THIS PROVISION IS A MATERIAL INDUCEMENT
TO BANK TO PROVIDE THE FINANCING EVIDENCED BY THIS NOTE.

                                                                          Page 3
<PAGE>

     THIS NOTE HAS BEEN EXECUTED UNDER, AND SHALL BE CONSTRUED AND ENFORCED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF TEXAS, EXCEPT AS SUCH LAWS ARE
PREEMPTED BY APPLICABLE FEDERAL LAWS.

                              BORROWER:

                              EAGER BEAVER CAR WASH, INC., a Florida corporation

                              By:   /s/ Robert M. Kramer
                                  --------------------------------------
                                        Robert M .Kramer, Secretary

                                                                          Page 4

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