Document:

Exhibit 10.19

                      AMENDED AND RESTATED PROMISSORY NOTE

$150,000                                                      December 31, 2004
                                                              St. Marys, Georgia

      FOR  VALUE  RECEIVED,  the  undersigned,   AmeriFirst,  Inc.,  a  Delaware
corporation,  whose address is 814 N. A1A, Suite 300, Ponte Vedra Beach, Florida
32082  (the  "Borrower"),  hereby  promises  to pay to the  order of  Irving  Y.
Strickstein Revocable Living Trust (the "Lender"), whose address is 2267 Shankin
Drive,  Walled Lake,  Michigan  48390,  the  principal  sum of ONE HUNDRED FIFTY
THOUSAND  and  no/100  Dollars  ($150,000.00),  together  with  interest  on the
outstanding  principal  balance  hereof at the rate provided  herein.  This Note
evidences the 2004 IYS Loan 5.3 of that certain Recapitalization Agreement dated
of even  date  herewith  by and  between  Borrower,  Lender  and  certain  other
stockholders of Borrower (the "Recapitalization  Agreement").  Capitalized terms
used and not  otherwise  defined in this Note shall have the  meanings  assigned
thereto in the  Recapitalization  Agreement.  This Note shall be governed by the
following provisions:

      1. Advances. The Borrower and the Lender acknowledge and agree that Lender
has previously made a loan to Borrower in the amount of $50,000 on June 10, 2004
and a subsequent  loan in the amount of $100,000 on December 30, 2004. This Note
evidences and consolidates those loans.

      2. Payments;  Maturity  Date.  Subject to the provisions of Section 1.6 of
the Recapitalization  Agreement, the Borrower will apply a percentage of its Net
Operating  Income to the repayment of this Note. All amounts due hereunder shall
be due and payable on July 1, 2006.

      3. Interest.  Except as provided in Section 6 below, interest shall accrue
at the rate of eight percent (8.0%) per annum from the date of advance.

      4.  Prepayments.  The  Borrower  shall be  entitled to prepay this Note in
whole or in part at any time without penalty.

      5. Application of Payments.  All payments hereunder shall be applied first
to interest, then to principal.

      6. Default. Nonpayment of principal, interest, any fee or any other amount
due  hereunder  as and when it becomes due and payable  shall be  considered  an
Event of Default hereunder.

If any Event of Default  shall  occur,  the Lender may declare  the  outstanding
principal  of this Note,  and all other  amounts  payable  under this Note to be
forthwith due and payable. Thereupon, the outstanding principal of this Note and
all  such  amounts  shall  become  and be  forthwith  due and  payable,  without
presentment,  demand,  protest or further  notice of any kind,  all of which are
hereby
<PAGE>

expressly  waived by the Borrower.  Upon the occurrence of any Event of Default,
the  outstanding  principal of this Note,  and any accrued and unpaid  interest,
shall bear  interest at the  highest  lawful  rate  permitted  under the laws of
Florida.

      7. Expenses.  All parties liable for the payment of this Note agree to pay
the Lender all costs  incurred by it in connection  with the  collection of this
Note. Such costs include,  without limitation,  fees for the services of counsel
and legal  assistants  employed  to collect  this  Note,  whether or not suit be
brought,  and whether incurred in connection with collection,  trial,  appeal or
otherwise.

      8. Miscellaneous.  The Borrower and all sureties, endorsers and guarantors
of this Note shall make all  payments  hereunder  in lawful  money of the United
States at the  Lender's  address set forth  herein or at such other place as the
Lender may designate in writing.  The remedies of the Lender as provided  herein
shall be cumulative and concurrent,  and may be pursued singly,  successively or
together,  at the sole discretion of the Lender and may be exercised as often as
occasion  therefor shall arise.  No act of omission or commission of the Lender,
including  specifically  any failure to exercise any right,  remedy or recourse,
shall be  effective,  unless  set forth in a written  document  executed  by the
Lender,  and then only to the extent  specifically  recited therein. A waiver or
release with reference to one event shall not be construed as  continuing,  as a
bar to, or as a waiver or release of any subsequent right, remedy or recourse as
to any subsequent event. This Note shall be construed and enforced in accordance
with  Michigan  law and shall be binding on the  successors  and  assigns of the
parties  hereto.  The term "Lender" as used herein shall mean any holder of this
Note.

                                       AMERIFIRST, INC.

                                       By: /s/ John G. Tooke
                                           -------------------------------------
                                           John G. Tooke, President
<PAGE>

STATE OF GEORGIA
COUNTY OF CAMDEN

      The  foregoing  instrument  is  dated as of  December  31,  2004,  but was
executed,  acknowledged  and delivered  before me this 30th day of December,  by
John G. Tooke. He is personally  known to me or has produced  Florida Drivers ID
as identification  and did, in my presence,  execute this Promissory Note to and
in favor of the forenamed  Lender and delivered the same to me, whereupon I have
received same and placed it in Federal  Express for overnight  delivery to Harry
Eisenberg,  Jacob &  Weingarten,  2301 W. Big  Beaver  Road,  Suite  777,  Troy,
Michigan 48084, as agent for and on behalf of Lender.

                                       /s/ Kathleen A.  Lenehan
                                       ----------------------------------------
                                       Notary Public, State and County Aforesaid
                                       Print Name: Kathleen A. Lenehan
                                                   -----------------------------
SEAL                                   My commission expires: 3/6/07Exhibit 10.20

                      AMENDED AND RESTATED PROMISSORY NOTE

   THIS AMENDED AND RESTATED PROMISSORY NOTE AMENDS AND RESTATES THAT CERTAIN
                    OCTOBER 28, 2002 LOAN AGREEMENT AND NOTE

$705,000.00                                                    December 31, 2004
                                                              St. Marys, Georgia

      FOR  VALUE  RECEIVED,  the  undersigned,   AmeriFirst,  Inc.,  a  Delaware
corporation,  whose address is 814 N. A1A, Suite 300, Ponte Vedra Beach, Florida
32082  (the  "Borrower"),  hereby  promises  to pay to the  order of  Irving  Y.
Strickstein Revocable Living Trust (the "Lender"), whose address is 2267 Shankin
Drive,  Walled Lake,  Michigan  48390,  the  principal sum of SEVEN HUNDRED FIVE
THOUSAND and no/100 Dollars ($705,000.00). This Note is the Amended and Restated
Infinity  Note  referred  to in  Section  5.4 of that  certain  Recapitalization
Agreement  dated of even date  herewith  by and  between  Borrower,  Lender  and
certain  other  stockholders  of Borrower  (the  "Recapitalization  Agreement").
Capitalized  terms  used and not  otherwise  defined in this Note shall have the
meanings assigned thereto in the Recapitalization  Agreement. This Note shall be
governed by the following provisions:

      1. Advances;  Current Amount Due. The Borrower and the Lender  acknowledge
and agree that Lender has previously  made advances to Borrower from proceeds of
the sales of common stock in Infinity,  Inc. ("Infinity") in various amounts and
at various times, but that Lender has no further  obligation under any agreement
to make additional advances to Borrower.  The Borrower and Lender agree that the
amount now due from Borrower to Lender, as of the date hereof,  and inclusive of
accrued and unpaid  interest,  is $705,000.00.  The Borrower agrees to repay the
amounts  outstanding  hereunder  only by purchasing and  transferring  to Lender
163,418 shares of common stock of Infinity in full  satisfaction  of all amounts
due hereunder and not by any other method of payment.

      2.   Payments.   Subject  to  the   provisions   of  Section  1.6  of  the
Recapitalization  Agreement,  the Borrower will apply one hundred percent (100%)
of its Net Operating Income to the purchase of stock in Infinity to be delivered
to Lender in repayment of this Note.  This Note shall be due and payable in full
on September 10, 2014.

      3.  Prepayments.  The  Borrower  shall be  entitled to prepay this Note in
common stock of Infinity and by no other means of payment,  in whole or in part,
at any time without penalty.

      4.  Default.  Nonpayment  of  principal,  any fee or any other  amount due
hereunder as and when due and payable  shall be  considered  an Event of Default
hereunder.

If any Event of Default  shall  occur,  the Lender may declare  the  outstanding
principal of this Note,
<PAGE>

and all other  amounts  payable under this Note to be forthwith due and payable.
Thereupon,  the  outstanding  principal of this Note and all such amounts  shall
become and be forthwith due and payable, without presentment, demand, protest or
further  notice of any kind,  all of which are  hereby  expressly  waived by the
Borrower.

      5.  Expenses.  The Borrower and all parties liable for the payment of this
Note agree to pay the Lender all costs  incurred  by it in  connection  with the
collection of this Note. Such costs include,  without  limitation,  fees for the
services of counsel and legal assistants  employed to collect this Note, whether
or not suit be brought,  and whether  incurred in  connection  with  collection,
trial, appeal or otherwise, and any brokerage commissions or transfer fees.

      6. Miscellaneous.  The Borrower and all sureties, endorsers and guarantors
of this Note shall make all  payments  hereunder  in common stock of Infinity by
delivering  same to the Lender at such  address as the Lender may  designate  in
writing.  The remedies of the Lender as provided  herein shall be cumulative and
concurrent,  and may be pursued singly,  successively  or together,  at the sole
discretion  of the Lender and may be  exercised  as often as  occasion  therefor
shall  arise.  No  act of  omission  or  commission  of  the  Lender,  including
specifically  any failure to exercise any right,  remedy or  recourse,  shall be
effective,  unless set forth in a written document  executed by the Lender,  and
then only to the extent  specifically  recited therein. A waiver or release with
reference to one event shall not be construed as continuing,  as a bar to, or as
a waiver or  release  of any  subsequent  right,  remedy or  recourse  as to any
subsequent  event.  This Note shall be construed and enforced in accordance with
Michigan law and shall be binding on the  successors  and assigns of the parties
hereto. The term "Lender" as used herein shall mean any holder of this Note.

                                       AMERIFIRST, INC.

                                       By: /s/ John G. Tooke
                                           -------------------------------------
                                           John G. Tooke, President
<PAGE>

STATE OF GEORGIA
COUNTY OF CAMDEN

      The foregoing  instrument was executed,  acknowledged and delivered before
me this 30th day of January 2005, by John G. Tooke. He is personally known to me
or has produced  Florida Drivers ID as  identification  and did, in my presence,
execute  this  Promissory  Note to and in  favor  of the  forenamed  Lender  and
delivered  the same to me,  whereupon  I have  received  same and  placed  it in
Federal Express for overnight  delivery to Harry Eisenberg,  Jacob & Weingarten,
2301 W. Big Beaver Road,  Suite 777, Troy,  Michigan  48084, as agent for and on
behalf of Lender.

                                       /s/ Kathleen A.  Lenehan
                                       ----------------------------------------
                                       Notary Public, State and County Aforesaid
                                       Print Name: Kathleen A. Lenehan
                                                   -----------------------------
SEAL                                   My commission expires: 3/6/07

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