Document:

THIRD AMENDMENT TO FINANCIAL CONSULTING AGREEMENT

The respective  parties to that certain  Financial  Consulting  Agreement  dated
April 21, 1998 between  Continental  Capital & Equity Corporation  (Consultant),
Carol  Kolozs,  and Company with both parties  agreeing and  understanding  that
"Company"  shall be  deemed  to  include  Aarica  Holdings,  Inc.  (AHI) and all
subsidiaries of AHI, do hereby ratify and agree to execute the stated amendment.

Section 5 A. shall be amended to read as follows:

CCEC shall be  entitled  to  receive  200,000  shares of Company  stock from the
personal  holdings  of Carol  Kolozs  for  services  performed  pursuant  to the
Company's  private  placement  offering in June,  1999.  Such shares are due and
payable  within  thirty  (30)  days of the  closing  of said  private  placement
offering. The shares shall have piggyback registration rights and any other such
registration rights as may be negotiated between CCEC and underwriters.

All other terms and  conditions  of the  Financial  Consulting  Agreement  shall
remain in full force and effect

Consultant
By: /s/ Jim Schnorf                                           June 17, 1999
  ---------------------                                       -------------

      Jim Schnorf                                                  Date
     Its: Chief Financial Officer

Company

By /s/ Carol Kolozs_______
   ----------------
     Carol Kolozs                                             June 17, 1999
                                                              -------------

Carol Kolozs                                                       Date
Its President

Carol Kolozs

/s/ Carol Kolozs                                              June 17, 1999

                                      Date

<PAGE>

SECOND AMENDMENT TO FINANCIAL CONSULTING AGREEMENT

The respective  parties to that certain  Financial  Consulting  Agreement  dated
April 21, 1998 between  Continental  Capital & Equity Corporation  (consultant),
Carol Kolozs,  and Company,  with both parties agreeing and  understanding  that
"Company"  shall be deemed  to  include  Aarica  Holdings,  Inc.,  (AHI) and all
subsidiaries of AHI, do hereby ratify and agree to execute the stated  amendment
this day and date.

Section 5 shall now be entitled "Compensation to be paid by Kolozs and the
Company"

Section 5 shall be amended to read as follows:

The  Company  and  Kolozs  agree  to pay a fee to  Consultant  for the  services
described  herein and shall pay additional  fees for work performed on behalf of
the Company in cash or stock as agreed by the parties. Said fees are as follows:

A.    Upon  securing  a  commitment  for  financing,  merger/acquisition,  joint
      venture,  marketing  agreement(s) and/or other strategic alliances,  or an
      initial public offering,  Consultant is entitled to greater of (i) 200,000
      shares,  or (ii) 4% of Company's  common,  stock on a fully diluted basis.
      Twenty Percent (20%) of said shares/ownership shall be in the form of free
      trading shares,  with the balance to have piggyback  registration  rights.
      All such shares shall come from the personal holdings of Carol Kolozs.

B.    A Two Percent (2%) cash bonus on gross funds  received from  introductions
      made by Consultant to include the above  referenced  underwriting.  In the
      event  of  a  "bridge"  funding  prior  to  an  initial  public  offering,
      consultant  shall  defer  payment  of said 2%,  fee until  closing  of the
      initial  public  offering,  but in no event  will such  deferral  be for a
      period more than six (6) months  from the  closing of the bridge  funding.
      Such fee will be paid by Company.

This amendment is executed this 19th day of March, 1999.

Consultant                                                    Carol Kolozs

By:/s/ John R. Manion                                   /s/ Carol Kolozs
  ---------------------------                          ----------------------
      John R Manion
      Its: President

 Company

By: /s/ Carol Kolozs
    -------------------------
     Carol Kolozs
     Its: President

<PAGE>

                   AMENDMENT TO FINANCIAL CONSULTING AGREEMENT

The respective  parties to that certain  Financial  Consulting  Agreement  dated
April 21, 1998 between Continental Capital & Equity Corporation (Consultant) and
Carol Kolozs  (Company),  with both  parties  agreeing  and  understanding  that
"Company"  shall be  deemed  to  include  Aarica  Sport,  S.A.  DE C.V.,  Taimex
Industries,  and any and all other such affiliated  companies,  do hereby ratify
and agree to execute the stated amendment this day and date. Whereas, Consultant
was  retained  by Company to perform  certain  functions  as  enumerated  in the
original  Financial  Consulting  Agreement,  and Whereas,  the scope of services
being requested to be performed by Consultant has specifically  expanded, at the
request of the Company, to include  participation in, among other things (i) the
restructuring  of the company's  bank debt,  (ii) detailed  discussion  with the
Company's  external  audit  firm  concerning  format and  content of  footnotes,
matters involving  inventory,  disputes,  and legal matters, and methods to help
expedite  the  conclusion  of the  audit,  and (iii)  assisting  the  Company in
selecting a Chief Financial Officer.
Now Therefore, the parties do mutually agree to execute the following amendment:
5. Compensation to be paid by Company
The company agrees to pay a fee to Consultant for the services  described herein
and shall pay  additional  fees for work  performed  on behalf of the Company in
cash or stock as agreed by the  parties.  Said fees are payable as  follows:  A.
Upon securing a commitment for a financing,  merger/acquisition,  joint venture,
marketing agreement(s) and/or other strategic
     alliances, or an initial offering, Consultant is entitled to the greater of
     (i) 200,000 shares or (ii) 4% of Company's  common stock on a fully diluted
     basis. Twenty Percent (20%) of said  shares/ownership  shall be in the form
     of free trading  shares,  with the balance to have  piggyback  registration
     rights.
B.   A Two Percent (2%) cash bonus on gross funds  received  from  introductions
     made by Consultant  to include the above  referenced  underwriting.  In the
     event of a "bridge" funding prior to a subsequent funding, Consultant shall
     defer payment of said 2% fee until closing of the subsequent  funding,  but
     in no event for a period longer than six (6) months from the closing of the
     bridge funding.
This  amendment  is  executed  this 25th day of  August,  1998,  by and  between
Consultant  and  Company.  Both  parties  acknowledge  that each  possesses  the
necessary  authority  to  execute  said  amendment  and  that by the  respective
signatures  below the full power and  authority has been approved and granted to
said signatories.
The parties further  acknowledge  that (i) this  Amendment,  integrated with the
April 21, 1998 Financial Consulting Agreement previously referenced,  eliminates
and supersedes any previous Financial Consulting  Agreements between the parties
and/or  the  respective  principals,  and (II)  that  certain  Revolving  Credit
Agreement and all related documents, dated April 30, 1998, involving the parties
and  principals  referenced  herein,  is  still  due and  payable,  and that the
repayment and conditions of said Revolving Credit Agreement are in no way waived
nor modified as a result of the Amendment.

Consultant
By: /s/ John R. Manion
    -----------------------------
Continental Capital & Equity Corporation
John R. Manion
Its: President

Company

By: /s/ Carol Kolozs
    -------------------------
Carol Kolozs

<PAGE>

                         FINANCIAL CONSULTING AGREEMENT

This Agreement  ("The  Agreement")  is made this 21st day of April,  1998 by and
between  CONTINENTAL  CAPITAL & EQUITY CORPORATION located at 195 Wekiva Springs
Road,  Suite 200,  Longwood,  FL 32779,  hereinafter  sometimes  referred  to as
Consultant  and CAROL  KOLOZS,  located at Lago  Chalco No. 156,  Col.  Anahuac,
Mexico, D.F.C.P. 11320, hereinafter sometimes referred to as the Company.

WITNESSETH:

Whereas,  Consultant  is a financial  relations  company  which  specializes  in
assisting companies in becoming publicly traded,  introducing sources of interim
capital,   funding  merger  and  acquisition  candidates  and  in  disseminating
information about publicly traded companies, and

Whereas,   the   Company,   its   subsidiaries,    affiliates,   directors   and
representatives,  collectively  referred  to as the  Company,  desires  to  have
Consultant identify and arrange meeting(s) with publicly held companies that may
be  interested  in  furthering  the business of the Company by raising  capital.
joint venturing,  acquiring, merging or some other means which proves beneficial
to the Company and

Whereas, the Company desires to retain Consultant for the purposes of consulting
on potential  sources of capital in addition to making strategic  introductions,
and

Whereas, Consultant is willing to accept the Company as a client.

NOW THEREFORE,  In consideration of the mutual covenants herein contained, it is
agreed:

     1. ENGAGEMENT:  The Company hereby engages  Consultant to perform financial
consulting services described in section 2 of this agreement, but subject to the
further provisions of this agreement.

2. CONSULTING SERVICES: Consists of the following:

     (A) Consultant will attempt to introduce to the Company  potential  sources
of capital, merger,  acquisition,  joint venture,  marketing agreement(s) and/or
other  strategic  alliances  which may benefit the Company in the performance of
implementing its business plan(s).

3. TIME OF  PERFORMANCE:  Services to be performed  under this  agreement  shall
commence upon execution of this  agreement and shall  continue until  completion
which is  generally  expected  to occur  within one year.  This  agreement  will
automatically renew, unless either party informs the other within thirty days of
its termination, their intent to cancel.

4.  TERMINATION:  Either party may cancel this  agreement by supplying the other
party  with  a 15 day  written  notice  of  their  intent  to do  so.  Under  no
circumstance  will  cancellation  of this  agreement  cancel  any fees which are
earned or in the process of being earned. In other words all introductions  made
by the Consultant, which result in a benefit to the Company will be deemed fully
earned fees by the Consultant regardless of cancellation.  In the event that the
Company fails to cooperate  with  Consultant or falls to make timely  payment of
the compensation set forth herein,  Consultant shall have the right to terminate
any  further  performance  under  this  agreement.  In  such  event  all  earned
compensation shall become immediately due and payable.

     5. COMPENSATION TO BE PAID BY THE COMPANY:  The Company agrees to pay a fee
to Consultant for the services  described  herein and shall pay additional  fees
for work  performed  on behalf of the  Company in cash or stock as agreed by the
parties. Said fees are payable as follows:

      (A) Upon securing a commitment for a financing, merger/acquisition,  joint
venture,  marketing agreement(s) and/or other strategic alliances, or an initial
offering  Consultant  is entitled to 300,000  shares or four percent (4%) of the
Company's  Common  Stock.  Twenty  percent  (20%) of which will be free  trading
shares  of the  Company's  Common  Stock.  with the  balance  to have  piggyback
registration rights.

      (B)  A  four  percent  (4%)  cash  bonus  on  any  funds   received   from
introductions made by Consultant to include the above reference underwriting.

     6. LIMITATION OF LIABILITY: If Consultant fails to perform its duties under
this agreement.  its entire liability to the Company shall not exceed the amount
of compensation Consultant has received from the Company.

7. CONFIDENTIALITY/NONDISCLOSURE/NONCIRCUMVENTION:

      (A) Until  such time as the same may  become  publicly  known,  Consultant
agrees that any  information  of a  confidential  nature will not be revealed or
disclosed to any person or entity except in the  performance  of this  Agreement
and upon written  request of the Company all materials,  original  documentation
provided by the Company will be returned to it.

      (B) Further,  the Company  agrees not to circumvent or interferes  with or
attempt to  circumvent  or interfere  with the business  relationships  existing
between  Consultant and any financing  sources  introduced to the Company by the
Consultant.

      (C) The  Company  shall not  pursue  any  business  relationship  with any
financing  source  introduced  to the Company by the  Consultant,  now and for a
period of two years  subsequent to the date this Agreement is executed.  without
the expressed written permission of Consultant. If the Company should circumvent
Consultant  and enter into a business  relationship  with any  financing  source
introduced to the Company by Consultant, Consultant shall be entitled to receive
a fee of 6% of the gross  proceeds  received by the Company  upon closing of any
such related transaction.

     (D) The Company may disclose  information  concerning any financing  source
introduced by Consultant to Its professional advisors,  such as legal counsel or
accountant. but must first establish that all agents must abide by the Company s
obligations and covenants established herein.

8. NOTICES: All notices hereunder shall be in writing and addressed to the party
at the address  herein set forth,  or at such other  address as to which  notice
pursuant to this section may be given, and shall be given by personal  delivery,
by certified  mail,  express  mail or by national  overnight  courier  services.
Notices  will be deemed  given upon the  earlier of actual  receipt or three (3)
business days after being mailed or delivered to such courier service.

Notices shall be addressed to Consultant at

Suite 200
195 Wekiva Springs Road
Longwood, FL  32779

and to the Company at:

Lago Chalco No. 156
Col. Anahuac
Mexico, D.F.C.P. 11320

Any notices to be given  hereunder  will be effective if executed by and sent by
the attorneys for the parties  giving such notice,  and in connection  therewith
the parties and their  respective  counsel agree that in giving such notice such
counsel  may  communicate  directly in writing  with such  parties to the extent
necessary to give such notice.

9.  SEPARABILITY:  If one of more of the provisions of this  Agreement  shall be
held invalid,  illegal, or unenforceable in any respect, such provision,  to the
extent invalid,  illegal, or unenforceable,  and provided that such provision is
not  essential  to the  transaction  provided for by this  Agreement,  shall not
affect any other  provision  hereof and the  Agreement  shall be construed as if
such provision had never been contained herein.

10. MISCELLANEOUS:

     (A) REGISTERED  CLIENTS:  The  Consultant  agrees to get a 1etter from each
client(s) it introduces to the Company  which assures the  Consultant  that said
client(s)  has no  previous  working  relationship  with  the  Company  and then
register  such  client  with the  Company.  The  Company  agrees to  inform  the
Consultant  within 1 hour of  receipt  of the  registered  should  they have any
discrepancy.

      (B)  GOVERNING  LAW: This  Agreement  shall be governed by the laws of the
State of Florida where  Consultant  resides and this Agreement has been accepted
by Consultant.

     (C) CURRENCY: In all instances, references to dollars shall be deemed to be
United States Dollars.

     (D)  MULTIPLE  COUNTERPARTS:  This  Agreement  may be  executed in multiple
counterparts.  each of which shall be deemed an original.  It shall be necessary
that each party execute each counterpart.

Executed as a sealed instrument as of the day and year first above written.

CONFIRMED AND AGREED ON THE  24th DAY OF  April,   1998
                             ----         -------

CONTINENTAL CAPITAL & EQUITY CORPORATION

By: _/s/ (not legible)________              /s/ John R. Manion
     ----------------                        ----------------------------
     CCEC Representative                    CCEC Officer

      /s/ (not legible                      /s/ James Manion
      -------------------------             -----------------------------
     Witness                                Witness

CONFIRMED AND AGREED ON THE 24th DAY OF  April,  1998
                            ----         ------

CAROL KOLOZS

By: /s/ Carol Kolozs
     --------------------------
       Duly AuthorizedSTOCK OPTION AGREEMENT

     THIS STOCK OPTION  AGREEMENT  ("Agreement")  is made and entered into as of
the 31st day of October,  2000,  ---- -------- by and between  Aarica  Holdings,
Inc., a Texas corporation  ("Seller") and Robert E. Schmidt, Jr., or his assigns
("Buyer").

                                               W I T N E S S E T H:

         WHEREAS, Seller desires to grant to Buyer an option to purchase certain
shares of the common capital stock of Seller; and

         WHEREAS,  Buyer  desires to receive from Seller,  an option to purchase
certain shares of the common capital stock of Seller;

         NOW, THEREFORE, in consideration of the premises, which shall be deemed
an integral  part of this  Agreement  and not as mere  recitals  hereto,  and in
consideration of Ten Dollars ($10.00) in hand paid to Seller, the parties hereto
agree as follows:

1.  Grant of  Option.  C  Seller,  in  consideration  of the sum of Ten  Dollars
($10.00)  (hereinafter  referred to as "Option  Money")  paid to Seller,  hereby
grants  an  option  to Buyer  for a period  of five (5)  years,  subject  to the
provisions  of Paragraph 8 herein,  to purchase  from Seller (the  "Option") Two
Hundred  Seventy-Five  Thousand  (275,000)  shares of the $.01 par value  common
capital  stock of Seller  (the  "Shares")  on or after  December  31, 2000 until
December 31, 2005 ("Option Period").

2. Exercise of Option.-- This Option may be exercised in whole or in part,  with
a 25,000 share  minimum  purchase,  by Buyer,  by giving notice to Seller in the
form attached  hereto as Exhibit "A",  specifying the Buyer's desire to exercise
the Option in writing, by certified mail, return receipt requested, addressed to
Seller at the address set forth in Paragraph 11 hereof.

3. Terms and Conditions.  -- If the said Option is exercised in whole or in part
during the life of the Option,  Seller  hereby agrees to sell to Buyer and Buyer
hereby  agrees to buy from  Seller  the  Shares as  specified  in the  notice of
exercise, upon the terms and conditions hereinafter provided.

4.       Purchase Price, Payment and Closing. --
         ------------------------------------

     (1) The  purchase  price for the Shares  shall be Two  Dollars  ($2.00) per
share ("Purchase Price").

(2) Within  five (5) days of receipt of the notice of  exercise of the Option by
Seller,  the sale of the Shares shall close and the Purchase Price shall be paid
in cash to Seller by wire transfer or check.
(1)

<PAGE>

5.       Stock Certificates. --
         -------------------

(1) At the closing of the sale after the  exercise of the Option,  Seller  shall
deliver to Buyer without charge, including without limitation, any tax which may
be payable in respect of the issuance  thereof,  stock  certificate(s) of Seller
evidencing  the ownership by Buyer of the Shares  purchased by Buyer pursuant to
the  exercise of the Option.  Such  certificates  shall be issued in the name of
Buyer or in such names as may be directed by Buyer. Seller shall not be required
to issue certificates  representing  fractions of shares, it being the intent of
the parties that all  fractional  interests  shall be eliminated by rounding any
fraction up to the nearest whole number of shares of common stock.

(2) Upon exercise of the Option, in part or in whole,  certificates representing
the Shares shall bear a legend substantially similar to the following:

                  "The securities  represented by this certificate have not been
                  registered  under the  Securities Act of 1933, as amended (the
                  "Act"),  and may not be offered or sold except (i) pursuant to
                  an effective registration statement under the Act, (ii) to the
                  extent applicable,  pursuant to Rule 144 under the Act (or any
                  similar  rule under such Act  relating to the  disposition  of
                  securities),  or (iii)  upon the  delivery  by the  holder  to
                  Seller of an opinion of counsel stating that an exemption from
                  registration under such Act is available."

6.       Adjustments of Purchase Price and Number of the Shares. --
         ------------------------------------------------------

(1) In the event Seller shall at any time subdivide or combine  (including stock
splits and reverse stock splits) its outstanding shares of common capital stock,
the Purchase Price shall forthwith be  proportionately  decreased in the case of
subdivision or increased in the case of combination.  Further, the number of the
Shares  shall be adjusted  accordingly  and this  Agreement  shall be amended to
reflect the adjusted Purchase Price and number of the Shares available under the
Option.

<PAGE>

(2) In case of any  reclassification  or  change  of the  outstanding  shares of
common  stock of Seller  (other  than a change in par value to no par value,  or
from no par value to par value, or as a result of a subdivision or combination),
or in the case of any  consolidation  of Seller with,  or merger of Seller into,
another corporation (other than a consolidation or merger in which Seller is the
surviving  corporation  and which  does not  result in any  reclassification  or
change of the outstanding shares of common stock of Seller, except a change as a
result of a subdivision  or combination of such shares or a change in par value,
as aforesaid),  or in the case of a sale or conveyance to another corporation of
the property of Seller as an entirety,  Buyer shall thereafter have the right to
purchase  the kind and  number  of shares  of stock  and  other  securities  and
property receivable upon such reclassification,  change, consolidation,  merger,
sale or conveyance as if Buyer were the owner of the Shares immediately prior to
any such events at a price equal to the product of (x) the number of Shares then
remaining  issuable  upon  exercise of the Option and (y) the Purchase  Price in
effect immediately prior to the record date for such  reclassification,  change,
consolidation, merger, sale or conveyance as if Buyer had exercised the Option.

7.   Covenants and Warranties of Seller. -- Seller covenants and warrants that:
         ----------------------------------

(1) The total authorized capital stock of Seller as of the date hereof is Twenty
Million  (20,000,000)  shares of $.01 par value  common  capital  stock of which
2,825,000 are issued and outstanding.

(2) Until the  termination  of the Option,  Seller shall be a Texas  corporation
validly existing and in good standing under the laws of the State of Texas.

(3) The  Shares  will be duly and  validly  issued,  free and clear of liens and
encumbrances,  fully paid and  nonassessable,  and not subject to the preemptive
rights of any stockholder, when issued.

(4) Seller shall at all times reserve and keep  available out of its  authorized
shares of common stock,  solely for the purpose of issuance upon the exercise of
the Option,  such number of shares as shall be issuable upon the exercise of the
Option in whole.

8. Call Option.  -- Buyer hereby grants Seller,  commencing six (6) months after
the date hereof, the right to "call" the Option if Seller's stock shall close at
a price of  $15.00  or more per share  for ten (10)  consecutive  trading  days.
Seller  may  "call"  the  Option by giving  written  notice to Buyer  specifying
Seller's desire to call the Option, by certified mail, return receipt requested,
addressed to Buyer at the address set forth in Paragraph 11 hereof.  Buyer shall
have  thirty (30) days from the date of receipt of the notice from Seller of its
"call" to notify  Seller of his desire to exercise  the  Option,  in whole or in
part, in accordance  with the provisions of this  Agreement.  In the event Buyer
fails to notify  Seller of his intent to exercise the Option  during said thirty
(30) day period,  Seller may cancel the Option at any time  thereafter  upon ten
(10) days prior  written  notice to Buyer,  which notice shall  specify the date
upon which the Option shall be  canceled.  Buyer shall have the right until such
cancellation date to exercise the Option.

9. Notices to Buyer.  Nothing  contained in this Agreement shall be construed as
conferring  upon Buyer the right to vote or to consent or to receive notice as a
stockholder  in respect of any  meetings  of  stockholders  for the  election of
directors  or  any  other  matter,  or as  having  any  rights  whatsoever  as a
stockholder  prior to the exercise of the Option either in whole or in part. If,
however, at any time prior to the expiration of the Option and its exercise, any
of the following events shall occur:

<PAGE>

                  (a) Seller shall take a record of the holders of its shares of
common  stock  for the  purpose  of  entitling  them to  receive a  dividend  or
distribution  payable otherwise than in cash, or a cash dividend or distribution
payable otherwise than out of current or retained earnings,  as indicated by the
accounting treatment of such dividend or distribution on the books of Seller; or

                  (b) Seller  shall offer to all the holders of its common stock
any additional shares of capital stock of Seller or securities  convertible into
or exchangeable for shares of capital stock of Seller,  or any option,  right or
warrant to subscribe therefor; or

                  (c) a dissolution,  liquidation or winding up of Seller (other
than  in  connection  with  a  consolidation  or  merger)  or a  sale  of all or
substantially  all of its property,  assets and business as an entirety shall be
proposed;

then,  in any one or more of said events,  Seller  shall give written  notice of
such event at least  fifteen  (15) days prior to the date fixed as a record date
or the  date  of  closing  the  transfer  books  for  the  determination  of the
stockholders   entitled  to  such   dividend,   distribution,   convertible   or
exchangeable securities or subscription rights, options or warrants, or entitled
to vote on such  proposed  dissolution,  liquidation,  winding up or sale.  Such
notice shall specify such record date or the date of closing the transfer books,
as the case may be.  Failure to give such notice or any defect therein shall not
affect the validity of any action taken in connection  with the  declaration  or
payment of any such dividend or distribution, or the issuance of any convertible
or exchangeable  securities or subscription rights,  options or warrants, or any
proposed dissolution, liquidation, winding up or sale.

     10. Termination. -- This Agreement shall terminate at the end of the Option
Period or pursuant to the terms of Paragraph 8 above.

11. Notices. C If any notices,  consents,  approvals, or waivers are to be given
by any party to this Agreement by any other party or parties to this  Agreement,
such notices, consents, approvals, or waivers shall be properly addressed to the
party to whom such  notice  is  directed,  and sent by  certified  mail,  return
receipt requested. Notices shall be addressed to the parties as follows:

         If to Buyer:               Robert E. Schmidt, Jr.
                                    c/o Boulder Venture
                                    4340 W. Hillsborough Avenue
                                    Tampa, FL 33614

         If to Seller:              Aarica Holdings, Inc.
                                    c/o James R. Schnorf
                                    195 Wekiva Springs Road
                                    Suite 200
                                    Longwood, Florida 32779

<PAGE>

12.  Waiver of Breach.  -- The waiver by any party of a breach of any  covenant,
agreement,  or provision  contained in this  Agreement by any party shall not be
construed as a waiver of the  covenant,  agreement,  or provision  itself or any
subsequent  breach  of that  covenant,  agreement,  or  provision  or any  other
covenant, agreement, or provision contained in this Agreement.

<PAGE>

13.      Rules of Construction. --
         -----------------------
                  (a)  Entire  Agreement.  --  This  Agreement,   including  all
exhibits and schedules  referenced  herein and attached hereto,  constitutes the
entire  agreement  between the parties hereto  pertaining to the subject matters
hereof, and supersedes all negotiations,  preliminary agreements,  and all prior
and contemporaneous  discussions and understandings of the parties in connection
with the  subject  matters  hereof.  Except as  otherwise  provided  herein,  no
covenant, representation, or condition not expressed in this Agreement, or in an
amendment  hereto  made  and  executed  in  accordance  with the  provisions  of
subparagraph (b) of this paragraph,  shall be binding upon the parties hereto or
shall affect or be effective to interpret,  change or restrict the provisions of
this Agreement.

                  (b) Amendments. -- No change, modification,  or termination of
any of the terms, provisions, or conditions of this Agreement shall be effective
unless made in writing and signed or  initialed  by all  parties  hereto,  their
successors or assigns.

     (c) Governing Law. -- This Agreement  shall be governed by and construed in
accordance  with  the  laws  of  the  State  of  Florida.  Venue  and  exclusive
jurisdiction  for any action  hereunder  shall be taken in a court of  competent
jurisdiction located in Orange County, Florida.

                  (d) Separability. -- If any paragraph,  subparagraph, or other
provision of this Agreement, or the application of such paragraph, subparagraph,
or provision,  is held invalid,  then the remainder of this  Agreement,  and the
application  of  such  paragraph,  subparagraph,  or  provision  to  persons  or
circumstances  other than those with respect to which it is held invalid,  shall
not be affected thereby.

                  (e)  Headings  and  Captions.  -- The  titles or  captions  of
paragraphs  and  subparagraphs  contained  in this  Agreement  are  provided for
convenience  of reference  only,  and shall not be  considered a part hereof for
purposes of interpreting or applying this Agreement, and, therefore, such titles
or captions do not define,  limit,  extend,  explain,  or describe  the scope or
extent  of this  Agreement  or any of its  terms,  provisions,  representations,
warranties, conditions, etc., in any manner or way whatsoever.

                  (f) Gender and Number. -- All pronouns and variations  thereof
shall be deemed  to refer to the  masculine,  feminine,  or  neuter,  and to the
singular  or  plural,  as the  identity  of the  person or entity or  persons or
entities may require.

     (g) Binding Effect and  Assignability.  -- This Agreement  shall be binding
upon and shall inure to the benefit of the parties hereto,  their successors and
assigns. This Agreement shall be assignable by Buyer. (1)

<PAGE>

                  (h) Continuance of Agreement. -- The rights, responsibilities,
duties, representations, and warranties of the parties hereto, and the covenants
and  agreements  herein  contained,  shall survive any closing and the execution
hereof,  and shall  continue to bind the parties  hereto,  and shall continue in
full force and effect  until each and every  obligation  of the  parties  hereto
pursuant to this Agreement and any document or agreement  incorporated herein by
reference shall have been fully performed.

                  (i)  Counterparts.  -- This  Agreement  may be executed in any
number of  counterparts,  each of which shall be deemed an  original  but all of
which together shall constitute one and the same instrument,  ad in making proof
hereof it shall not be  necessary  to produce or account  for more than one such
counterpart.

<PAGE>

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

WITNESSES:                                  BUYER:

                           /s/ Robert E. Schmidt, Jr.
                                            Robert E. Schmidt, Jr.

ATTEST:                                              SELLER:

                                                     Aarica Holdings, Inc.

       /s/ James R. Schnorf                       By:/s/ Carol Kolozs
       --------------------                          ------------------------
James R. Schnorf, Asst. Secretary                    Carol Kolozs, President

<PAGE>

                                   EXHIBIT "A"

                     [FORM OF NOTICE OF EXERCISE OF OPTION]

     The undersigned hereby irrevocably elects to exercise the right to purchase
_________  (_______) Shares and herewith tenders in payment for THE Shares cash,
a check payable to the order of Aarica  Holdings,  Inc. or by wire transfer,  in
the amount of  $__________________,  in accordance  with the terms  hereof.  The
undersigned  requests  that a  certificate  for such Shares be registered in the
name of ___________ , whose address is__________________________________________
_______________________________________________,  and that such  Certificate  be
delivered to ___________________________________, whose address is
----------------------------.

Dated:                                               Signature:
        ----------------------------------

                                                     (Signature of Buyer)

                                                     Signature:

                                                     (Signature of Holder)

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

                                          --------------------------------
                                         (Insert Name and Social Security or
                                         Other Identifying Number of Holder)

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