Document:

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                                                                   EXHIBIT 10.19

                                                         Prepared by:

                                                     /s/ DANIEL C. KLEEMAN, ESQ.
                                                     ---------------------------

                                 PROMISSORY NOTE

This Promissory Note is made on December 28th, 1999
BETWEEN the Borrower, SEL-LEB MARKETING, INC., whose principal business address
is 495 River Street, Paterson, New Jersey, referred to as "Borrower",

         And the Lender, PATERSON RESTORATION CORPORATION, whose address is 125
Ellison Street, Paterson, New Jersey referred to as "Lender".

         The world "Lender" means the original Lender and anyone else who takes
this Note by transfer.

         BORROWER'S PROMISE TO PAY PRINCIPAL AND INTEREST. In return for a loan
that borrower received, Borrower promises to pay $100,000 (called the
"principal"), plus interest to the Lender. The interest rate for seven (7) years
of the Note shall be 6(six) % per annum.

         PAYMENTS. Borrower will pay principal and interest commencing on
February 1, 2000, and to continue on the first day of each month thereafter
until January 1st, 2007. The amount of the monthly payments shall be $1,461.82.

         All payments will be made to the Lender at the address shown above or
at a different place if required by the Lender.

         EARLY PAYMENTS. Borrower has the right to make payments at any time
before they are due. These early payments will mean that the Note will be paid
in less time. However, unless Borrower pays this Note in full, the monthly
payments will remain the same. There will be no prepayment penalty.

         LATE CHARGES OR OVERDUE PAYMENTS. If Lender has not received any
monthly payment within five (5) days after the due date, Borrower will pay the
Lender a late charge of five (5) percent (5%) of the monthly payment. This
payment will be made along with the plate monthly payment.
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         SECURITY.  Borrower has offered as security for this Note the
following:

         See attached Schedule A

         DEFAULT. If Borrower fails to make any payments required by this Note
within thirty (30) days after the due date, the Lender may declare that the
Borrower is in default on this Promissory Note. Before the Lender can make such
a declaration of default, Lender must provide Borrower with written notice of
the event of default. If Borrower does not remedy the default within five (5)
business days of the date that it received the written notice of default, then
and in that event Borrower must immediately pay the full amount of all unpaid
principal, interest and other amounts due on this Note, and the Lender's cost of
collection and reasonable attorney's fees, together with actual costs of suit.
The Lender does not give up its right to declare Default due to any previous
delay or failure to declare a default.

         ADDITIONAL TERMS AND CONDITIONS. In addition to the foregoing terms and
conditions, Borrower agrees to abide by the general terms and conditions as
outlined in Rider A which is attached to and made a part of this Promissory
Note. Any reference in Rider A to "Mortgage Note" or "Mortgagor" shall mean this
Promissory Note and the Borrower named herein.

         EACH PERSON LIABLE. The Lender may enforce any of the provisions of
this Note against any one or more of the borrowers who sign this Note.

         NO ORAL CHANGES. This Note can only be changed by an agreement in
writing signed by both the Borrower and the Lender.

         SALE/REFINANCE/RELOCATION. The entire balance of the outstanding
principal of the loan and all accrued unpaid interest thereon, shall become
immediately due and payable upon the bankruptcy, reorganization, dissolution or
liquidation of Sel-Leb Marketing, Inc. or upon the sale, partial sale, exchange,
transfer, sale under foreclosure, relocation from its location at 495 River
Street, Paterson, New Jersey or other disposition of the leasehold improvements
and/or machinery located therein or other security for this note.

                                      - 2 -

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         SIGNATURES.

Witnessed or Attested by:                                SEL-LEB MARKETING, INC.
/s/ Daniel C. Kleeman                                    BY: /s/ Jan S. Mirsky
------------------------------------                     ---------------------
                                                         Executive V.P.
                                                         BY: /s/ George Fischer
                                                         ----------------------
                                                         ASS'T SECRETARY

                                                         (Conformed Copy)

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         THIS SECURITY AGREEMENT made this 28th day of December, Nineteen
Hundred and Ninety-None (1999)

BETWEEN  SEL-LEB MARKETING, INC., a Corporation of the State of New Jersey,
         having its principal place of business at 495 River Street, Paterson,
         New Jersey. ("Debtor")

AND      PATERSON RESTORATION CORPORATION, with offices at 125 Ellison Street,
         Paterson, New Jersey 07505 ("Secured Party")

                           W I T N E S S E T H, T H A T:

         WHEREAS, the Secured Party has made a loan in the amount of $100,000 to
Debtor (The Indebtedness); and

         WHEREAS, to secure payment of the Indebtedness the Debtor desires to
grant tot he Secured Party a 2nd security interest in all machinery and
equipment.

         NOW, THEREFORE, inconsideration of the mutual covenants hereinafter set
forth, the parties intending to be bound hereby do agree as follows:

         1. Debtor covenants and agrees to pay to the Secured Party the
indebtedness which may be owing from time to time by Debtor to Secured Party in
accordance with the terms and conditions of a loan agreement executed in
connection with the Indebtedness ("Promissory Note").

         2. To secure the payment of the Indebtedness and all extensions and
renewal thereof and substitutions therefore and to secure the payment and
performance by Debtor of all of its obligations under the Promissory Note,
Debtor hereby gives and grants to Secured Party an interest in those items
appearing on Schedule A annexed hereto and made part hereof, situate on the
premises now occupied by Debtor at its aforesaid place of business
("Collateral").

         3. Debtor hereby covenants with and warrants to Secured Party that:

         A. It is the sole owner of the Collateral and that it has the right to
grant this security interest in the Collateral.

         B. All of the machinery and equipment will be kept in good condition
and repair and will

be kept on the aforesaid business premises of Debtor and will not be removed
therefrom, except as herein provided, without the written consent of Secured
Party, its successors or assigns.

         C. Debtor shall pay all taxes, assessments and other governmental
charges of every

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character, levied and assessed against all or any part of the Collateral and
will well and truly comply with all laws, regulations and orders of any
national, state or municipal governmental or administrative agency exercising
any power or regulation or supervision over Debtor or any of its property, the
noncompliance with which will impair the lien of this security agreement upon
any of the Collateral.

         D. Debtor will keep all of the Collateral adequately insured.

         E. Debtor shall not enter into any other security agreement relating to
the Collateral except to secure the payment of the Indebtedness and performance
of the obligations referred to in this security agreement.

         F. Debtor will execute financing statements or other documents deemed
necessary by Secured Party to perfect or preserve its security interest in the
Collateral and will pay the cost of filing such statements or documents pursuant
to law.

         4. Should Debtor default for more than 30 days in any of the covenants
or warranties herein contained, or fail to pay within 30 days from its due date
any installments of the Indebtedness secured hereby, or dispose of substantially
all of its assets other than in thee ordinary course of business; or fail to
carry on its business for any reason whatsoever; or permit or suffer any
attachment, distress, replevin or levy or any process against the Collateral; or
make an assignment for the benefit of its creditors; or file a petition for its
relief under any provision of the Federal Bankruptcy Code or other applicable
statute, or be adjudicated bankrupt on the basis of an involuntary petition
filed against it; or if a receiver shall be appointed for the business of Debtor
or for any of his assets; or if Debtor shall become party to any proceeding
pursuant to any state or federal statute, or to any informal proceeding for an
adjugment, settlement, arrangement, extension or composition of its debts,

         THEN AND IN ANY SUCH EVENT, Secured Party shall have and may exercise
all of rights and remedies conferred upon secured parties by the Uniform
Commercial Code and other applicable laws. Secured Party, in such event, may
require Debtor to assemble the Collateral and make it available to Secured Party
at a place to be designated by Secured Party which is unreasonably

                                      - 2 -

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convenient to Secured Party and Debtor. Any notification of sale or other
disposition of the Collateral to which this security agreement applied, or of
other action by Secured Party, required to be given by Secured Party, will be
sufficient if given personally or mailed by certified mail to Debtor at its
address aforementioned not less than fifteen (15) days prior to the day on which
such sale or other disposition will be made, and such notification shall be
deemed reasonable notice.

         5. The rights and remedies herein expressed to be bested in or
conferred upon Secured Party shall be cumulative and shall be in addition to and
not in substitution for or in derogation of the rights and remedies conferred
upon secured parties by the Uniform Commercial Code and otherwise.

         6. Debtor does not waive a) protest of all commercial paper at any time
held by Secured arty on which Debtor is in any way liable; b) notice of
nonpayment at maturity or any account; and c) notice of Secured Party's election
to accelerate the Indebtedness.

         7. Upon payment in full of the Indebtedness secured hereby, together
with any extensions and renewals thereof, this agreement and the security
interest granted hereby shall terminate.

         8. It is further agreed that the terms, covenants and conditions of
this security agreement shall be deemed to be severable. If one or more of the
provisions, terms, covenants or clauses, paragraphs or subparagraphs of this
security agreement are adjudged to be unlawful, unconstitutional, unenforceable
or void or of no effect any reason whatsoever, that adjudication shall in no way
effect the other provisions, terms, covenants or clauses, paragraphs or
subparagraphs of this security agreement which have not been so adjudged. In the
event of an adjudication as described aforesaid, this security agreement shall
be construed as though the affected provision, term, covenant or clause,
paragraph or subparagraph had not been included herein.

         9. This agreement shall be governed by the laws of the State of New
Jersey. References to the Uniform Commercial Code in this agreement are made to
Title 12A of the New Jersey Statutes, as if and when amended.

         10. This agreement shall be binding upon, and shall inure to the
benefit of, the parties and

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their respective successors and assigns.

         IN WITNESS WHEREOF, Debtor has caused this security agreement to be
signed by the proper officer of the within designated corporation as of the day
and year first above written.

                                         SEL-LEB MARKETING, INC.

                                         BY: /s/ Jan S. Mirsky, Executive V.P.
                                             ---------------------------------

Witnesses or Attested by:                BY: /s/ George Fischer, Ass't Secretary
                                             -----------------------------------
/s/ Daniel C. Kleeman
-----------------------------

                                      - 4 -<PAGE>

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FORM S.F.E.
NUMBER                                                                    SHARES
1020

                             THE FINANCE TEAM, INC.
              INCORPORATED UNDER THE LAWS OF THE STATE OF FLORIDA
              AUTHORIZED 100 SHARES COMMON STOCK, $0.001 PAR VALUE

This Certifies that ___________________________________________________is the
registered holder of __________________________________________________Shares
OF THE COMMON STOCK OF THE FINANCE TEAM, INC. WHICH IS FULLY PAID AND NON-
ASSESSABLE transferable only on the books of the Corporation by the holder
hereof in person or by Attorney upon surrender of this Certificate properly
endorsed.

In Witness Whereof, the said Corporation has caused this Certificate to be
signed by its duly authorized officers and its Corporate Seal to be hereunto
affixed
         this _____________day of ________________________A.D.___________
--------------------------------------------------------------------------------

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The following abbreviations, when used in the inscription on the face of this
certificate, shall be construed as though they were written out in full
according to applicable laws or regulations.

TEN COM    -- as tenants in common   UNIF GIFT MIN ACT -- ......Custodian.......
TEN ENT    -- as tenants by the entireties               (Cust)         (Minor)
                                                   under Uniform Gifts to Minors
JT TEN     -- as joint tenants with right of
              survivorship and not as tenants      Act ......................
              in common                                      (State)

Additional abbreviations may also be used though not in the above list.

For value received, _____________hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
IDENTIFYING NUMBER OF ASSIGNEE
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             PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS OF ASSIGNEE
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----------------------------------------------------------------Shares
represented by the within certificate, and do hereby irrevocably constitute and
appoint
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Attorney to transfer the said shares on the books of the within-named
Corporation with full power of substitution in the premises.

Dated,
       -----------------------------
                                             -----------------------------------

      In presence of
-----------------------------------

NOTICE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME AS
WRITTEN UPON THE FACE OF THE CERTIFICATE IN EVERY PARTICULAR, WITHOUT ALTERATION
OR ENLARGEMENT, OR ANY CHANGE WHATEVER.

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