Document:

Professional Liability Insurance Policy

This is a claims-made Policy.  Please review you Policy carefully.

The Policy is limited to  liability  for only those  claims  that are first made
against the insured during the policy period

                           Interstate Insurance Group
                            Chicago Insurance Company
                       Executive Offices: 55 E. Monroe St.
                                Chicago, IL 60603

Policy Number: LWB-3016091-0

Named Insured & Address:                    Scott B. Ugel
                                            155 North Main St.
                                            New City, NY 10956
                          And those individuals listed in the insured supplement

Producer Name                       Bertholon Rowland Corp.
Policy Period                       5/1/99 to 5/1/00
Insured is:                         Individual

Limit of Liability:                 $1,000,000                each claim

                                    $1,000,000                aggregate

(A separate limit of liability applies to claim expenses)

Deductible                          $1,000 per claim

Premium                             $3,536.00
Claim                               81400
No. of Lawyers                      2

Forms attached at Issue:            POE-2182 (04/97) New York Mandatory
                                    POE-2247   (12/1/96)   Claim   Expenses   in
                                    addition to llimits POJ-2018 (01/95) Lawyers
                                    Claims-Made Policy Jacket

Bertholon-Rowland                           Countersigned at: New York, NY
Insurance Brokers                           Issue Date   6/17/99
100 Broadway
New York, NY 10005

                                      250Affiliate Agreement

     This Affiliate Agreement (this "Agreement") is made and entered into by and
between  Vista  Vacations  International,  Inc., a Florida  corporation  ("Vista
Vacations"), AmeriNet Group.com, Inc., a publicly held Delaware corporation with
a class of securities  registered  under Section 12(g) of the  Securities Act of
1934, as amended ("AmeriNet" and the "Exchange Act,"  respectively),  and person
identified  in the  signature  page  of this  Agreement  as the  Affiliate  (the
"Affiliate").

                                    Preamble:

     WHEREAS, concurrently with the execution of this Agreement, Vista Vacations
and AmeriNet have entered into a  Reorganization  Agreement  dated  February 28,
2000, (the  "Reorganization  Agreement") which contemplates that Vista Vacations
will become a wholly owned  subsidiary of AmeriNet and all  outstanding  capital
stock of Vista  Vacations  will be  converted  into  AmeriNet  common stock (the
"Merger"); and

     WHEREAS,  the Affiliate is either an officer or director of Vista Vacations
or is the beneficial  owner (as defined in Rule 13d-3 under the Exchange Act) of
such quantity of common stock in Vista  Vacations as requires that the Affiliate
to be deemed an "affiliate" of Vista  Vacations  (within the meaning of Rule 405
promulgated by the Securities and Exchange  Commission (the "Commission")  under
the Securities Act of 1933, as amended (the  "Securities  Act"),  as a result of
which the Affiliate will be subject to restrictions on disposition of the shares
of AmeriNet's common stock received as a result of the Reorganization; and

     WHEREAS,  the  determination  of the  accounting  and tax  treatment of the
Reorganization  will  depend,  in part,  upon the  accuracy  of  certain  of the
representations and warranties made by the Affiliate in this Agreement,  as well
as upon the  Affiliate's  compliance  with certain of the  agreements  set forth
herein; and

     WHEREAS,   Affiliate  and  AmeriNet   further  desire  to  provide  for  an
arrangement under which Affiliate will grant to AmeriNet an irrevocable proxy to
vote all of the Affiliate's shares of Vista Vacations's common stock in favor of
the  Reorganization  at a special meeting of the stockholders of Vista Vacations
to be held for the purpose of voting on the Reorganization.

     NOW, THEREFORE, the Parties agree as follows:

                                      251
<PAGE>

                                    Article I
                           Agreement to Retain Shares.

1.1      Transfer and Encumbrance.

(A) As used herein, the term "Determination Date" shall mean the earlier of:

         (1)      The  date  AmeriNet  shall  have  publicly  released  a report
                  including the combined financial results of AmeriNet and Vista
                  Vacations  for a  period  of at  least  thirty  (30)  days  of
                  combined operations of AmeriNet and Vista Vacations; or

         (2)      The date the  Reorganization  Agreement  shall  be  terminated
                  pursuant to Article VIII thereof.

(B)      The  Affiliate  agrees  not to  transfer,  sell,  exchange,  pledge  or
         otherwise  dispose of or encumber the Affiliates Vista Vacations common
         stock or the shares of  AmeriNet  common  stock  received  in  exchange
         therefor as a result of the Reorganization (collectively or generically
         hereinafter  referred to as the "Shares") or any New Shares (as defined
         in Section  1.2)  acquired or to make any offer or  agreement  relating
         thereto:

         (1)      At any time prior to the Determination Date;

         (2)      Except in full compliance  with the  requirements of  Rule 144
                  promulgated by the Commission under  authority  granted by the
                  Securities Act;

         (3)      Except in full compliance with the requirements of Sections 13
                  and 16 of the Exchange Act, including requirements  pertaining
                  to timely  filing of  Commission  Forms 3, 4 and 5 or Schedule
                  13-D; and

         (4)      In full compliance with the procedures established by AmeriNet
                  (including  requirements  imposed upon its transfer  agent) to
                  assure compliance with the foregoing.

1.2      New Shares.

     The Affiliate agrees that any shares of capital stock of Vista Vacations or
AmeriNet that Affiliate  purchases or with respect to which Affiliate  otherwise
acquires  beneficial  ownership  after the date of this Agreement ("New Shares")
shall be  subject  to the terms and  conditions  of this  Agreement  to the same
extent as if they constituted Shares.

                                       252
<PAGE>

                                   Article II
                            Agreement to Vote Shares.

2.1      Voting

     At every meeting of the stockholders of Vista Vacations called with respect
to any of the following,  and at every adjournment  thereof, and on every action
or approval  by written  consent of the  stockholders  of Vista  Vacations  with
respect to any of the following, the Affiliate shall vote the Shares and any New
Shares,  including,  with respect to stock options held by Affiliate, only those
stock options immediately exercisable:

(A)      In favor of approval  of the  Reorganization Agreement and  any  matter
         that could reasonably be expected to facilitate the Reorganization; and

(B)      Against  approval of any proposal made in opposition to or  competition
         with  consummation  of  the  Reorganization  and  against  any  merger,
         consolidation, sale of assets, reorganization or recapitalization, with
         any party  other than  AmeriNet  and its  affiliates  and  against  any
         liquidation or winding up of Vista  Vacations (each of the foregoing is
         hereinafter referred to as an "Opposing Proposal").

2.2      Actions

     In  amplification  of  the  obligations  assumed  by  this  Agreement,  the
Affiliate  agrees  not  to  take  any  actions  contrary  to  Vista  Vacations's
obligations under the  Reorganization  Agreement or the Affiliate's  obligations
under this Agreement.

                                   Article III
                               Irrevocable Proxy.

     Concurrently with the execution of this Agreement,  the Affiliate agrees to
deliver  to  AmeriNet  a proxy in the form  attached  hereto  as  Exhibit A (the
"Proxy"),  which shall be  irrevocable to the extent  permissible  under Florida
law, with the total number of Shares beneficially owned (as such term is defined
in Rule 13d-3 under the Exchange Act) by the Affiliate set forth therein.

                                   Article IV
                                 Tax Treatment.

     The  Affiliate  understands  and  agrees  that  it  is  intended  that  the
Reorganization will be treated as a "reorganization"  within the meaning of Code
Section 368(a)(1)(B) for federal income tax purposes.

                                       253
<PAGE>

                                    Article V
            Reliance Upon Representations, Warranties and Covenants.

(A)      The   Affiliate   has  been   informed   that  the   treatment  of  the
         Reorganization   for  federal  income  tax  purposes  requires  that  a
         sufficient number of former  stockholders of Vista Vacations maintain a
         meaningful  continuing equity ownership  interest in AmeriNet after the
         Reorganization.

(B)      The Affiliate  understands  that the  representations,  warranties  and
         covenants  of the  Affiliate  set forth  herein  will be relied upon by
         AmeriNet,  Vista  Vacations  and their  respective  legal  counsel  and
         accounting firms.

                                   Article VI
             Representations, Warranties and Covenants of Affiliate.

     The Affiliate represents, warrants and covenants to AmeriNet as follows:

6.1      Power and Authority.

     The Affiliate has full power and  authority to execute this  Agreement,  to
make the  representations,  warranties  and  covenants  herein  contained and to
perform Affiliate's obligations hereunder.

6.2      Shares Owned.

     Set forth following the Affiliate's signature below is the number of Shares
owned by the Affiliate,  including all Shares as to which the Affiliate has sole
or shared  voting or  investment  power and all rights,  options and warrants to
acquire Shares owned or held by the Affiliate.

6.3      Restrictions on Transfer.

     The  Affiliate  will not sell,  transfer,  exchange,  pledge  or  otherwise
dispose of, or make any offer or agreement relating to any of the foregoing with
respect to, any shares of common stock of AmeriNet (the "AmeriNet Common Stock")
that the Affiliate may acquire in connection with the Merger,  or any securities
that may be paid as a dividend or otherwise  distributed thereon or with respect
thereto or issued or delivered in exchange or  substitution  therefor  (all such
shares and other securities of AmeriNet are sometimes  collectively  referred to
as "Restricted Securities"), or any option, right or other interest with respect
to any Restricted Securities, unless:

(A)  Such transaction is permitted  pursuant to Rule 145(c) and 145(d) under the
     Securities Act;

(B)  (1)  Legal  counsel  representing  the  Affiliate  (which legal  counsel is
          reasonably satisfactory to AmeriNet), shall have advised AmeriNet in a
          written opinion letter  satisfactory to AmeriNet and AmeriNet's  legal
          counsel,  and upon which AmeriNet and its legal counsel may rely, that
          no  registration  under  the  Securities  Act  would  be  required  in
          connection with the proposed sale,  transfer or other  disposition and
          that all requirements  under the Exchange Act,  including  Sections 13
          and 16 thereof have been complied with; or

                                      254

<PAGE>

     (2)  A registration  statement under the Securities Act covering AmeriNet's
          Stock  proposed to be sold,  transferred  or  otherwise  disposed  of,
          describing  the manner and terms of the  proposed  sale,  transfer  or
          other  disposition,  and containing a current  prospectus,  shall have
          been  filed  with  the   Securities  and  Exchange   Commission   (the
          "Commission") and made effective under the Securities Act; or

     (3)  An authorized  representative  of the  Commission  shall have rendered
          Vista  written  advice  to  the  Affiliate  (sought  by  Affiliate  or
          Affiliate's  legal counsel,  with a copy thereof and all other related
          communications   delivered   to  AmeriNet)  to  the  effect  that  the
          Commission  would take no action,  or that the staff of the Commission
          would not recommend that the Commission take any action,  with respect
          to the proposed disposition if consummated.

6.4      No Present Plan of Disposition.

(A)       The  Affiliate  has, and as of the  Effective  Time (as defined in the
          Reorganization  Agreement)  will have, no present plan or intention (a
          "Plan") to sell, transfer,  exchange,  pledge or otherwise dispose of,
          including by means of a distribution by a partnership to its partners,
          or a corporation to its  stockholders,  or any other transaction which
          results in a reduction in the risk of ownership  (any of the foregoing
          being  hereinafter  referred to generically as a "Sale") of any of the
          shares of  AmeriNet  common  stock that the  Affiliate  may acquire in
          connection  with the Merger,  or any securities  that may be paid as a
          dividend or otherwise  distributed  thereon  with  respect  thereto or
          issued or delivered in exchange or substitution therefor,  which, when
          taking into account  those Vista  Vacations  stockholders  who dissent
          from  the  Merger,  will  reduce  the  Vista  Vacations  stockholders'
          ownership  of AmeriNet  Stock,  in the  aggregate,  to less than fifty
          (50%) of the number of shares of AmeriNet  Common  Stock issued in the
          Merger.

(B)       (1)  The Affiliate is not aware of, or  participating  in, any Plan on
               the part of Vista  Vacations  stockholders  to engage in Sales of
               the shares of AmeriNet Stock to be issued in the Reorganization.

         (2)   For purposes  Section  6.4(B)(1),  Shares with respect to which a
               pre-Reorganization  Sale  occurs  in a  Related  Transaction  (as
               defined  below),  shall  be  considered  to be  Shares  that  are
               exchanged  for AmeriNet  Stock in the Merger and then disposed of
               pursuant to a Plan.

                                      255

<PAGE>

         (3)   A Sale of AmeriNet  Stock shall be  considered  to have  occurred
               pursuant to a Plan if, among other things,  such Sale occurs in a
               Related Transaction.

         (4)   For purposes of this Section 6.4, a "Related  Transaction"  shall
               mean a  transaction  that is in  contemplation  of, or related or
               pursuant to, the reorganization or the Reorganization Agreements.

(C)      If any of the Affiliate's  representations in this Section 6.4 cease to
         be true at any time prior to the Effective  Time,  the  Affiliate  will
         deliver to each of Vista Vacations and AmeriNet, prior to the Effective
         Time, a written statement to that effect, signed by the Affiliate.

6.5      Consultation with Counsel.

(A)      The  Affiliate  has  carefully  read this  Agreement  and discussed its
         requirements and other applicable  limitations upon the sale,  transfer
         or other  disposition of AmeriNet Shares to be acquired by Affiliate in
         the  Reorganization,  to the extent the Affiliate felt necessary,  with
         legal counsel for the Affiliate.

(B)      The  Affiliate  has  carefully  read the  Reorganization  Agreement and
         discussed its requirements and its impacts upon Affiliate's  ability to
         sell, transfer,  encumber,  pledge or otherwise dispose of the AmeriNet
         Shares to be acquired by Affiliate in the Reorganization, to the extent
         Affiliate felt necessary, with legal counsel for Affiliate.

6.6      Ownership of Shares.

     The Affiliate is the record owner of the Shares shown on the signature page
hereto,  which at the date  hereof  and at all times up until the  Determination
Date will be free and clear of any  liens,  claims,  options,  charges  or other
encumbrances;  does not  beneficially  own any shares of capital  stock of Vista
Vacations  other than such Shares;  and,  has full power and  authority to make,
enter into and carry out the terms of this Agreement and the Proxy.

6.7      No Proxy Solicitations.

     The  Affiliate  will not, and will not permit any entity under  Affiliate's
control to:

(A)      Solicit proxies or become a "participant" in a "solicitation"  (as such
         terms are  defined  in  Regulation  14A under  the  Exchange  Act) with
         respect to an Opposing  Proposal or  otherwise  encourage or assist any
         party in taking  or  planning  any  action  that  would  compete  with,
         restrain or  otherwise  serve to  interfere  with or inhibit the timely
         consummation  of the Merger in accordance  with the terms of the Merger
         Agreement;

(B)      Initiate a stockholders' vote or action by consent of Vista Vacations
         stockholders with respect to an Opposing Proposal; or

                                      256
<PAGE>

(C)      Become a member of a "group" [as such term is used in Section  13(d) of
         the  Exchange  Act] with  respect  to any  voting  securities  of Vista
         Vacations with respect to an Opposing Proposal.

                                   Article VII
                    No Limitation on Discretion as Director.

     This Agreement is intended solely to apply to the exercise by the Affiliate
in his individual  capacity of rights attaching to ownership of the Shares,  and
nothing  herein  shall be  deemed to apply  to,  or to limit in any  manner  the
discretion  of the  Affiliate  with respect to, any action which may be taken or
omitted  by  him  acting  in his  fiduciary  capacity  as a  director  of  Vista
Vacations.

                                  Article VIII
                               Rules 144 and 145.

     From and after the Effective  Time and for so long as is necessary in order
to permit the Affiliate to sell AmeriNet's  Stock held by Affiliate  pursuant to
Rule 145 and,  to the  extent  applicable,  Rule 144 under the  Securities  Act,
AmeriNet will use its  reasonable  efforts to file on a timely basis all reports
required to be filed by it pursuant to Sections 13 or 15(d) of the  Exchange Act
referred to in paragraph  (c)(1) of Rule 144 under the Securities  Act, in order
to permit the  Affiliate  to sell  AmeriNet's  Stock held by it  pursuant to the
terms and conditions of Rule 145 and the applicable provisions of Rule 144.

                                   Article IX
                                Limited Resales.

     The Affiliate  understands  that, in addition to the  restrictions  imposed
under Section 6 of this Agreement,  the provisions of Rule 145 limit Affiliate's
public resales of Restricted Securities,  in the manner set forth in subsections
(a), (b) and (c) below:

9.1      Rule 145(d)(1).

(A)      Unless and until the restriction "Cut-off" provisions of Rule 145(d)(2)
         or Rule 145(d)(3) set forth below become  available,  public resales of
         Restricted  Securities  may only be made by the Affiliate in compliance
         with the requirements of Rule 145(d)(1).

(B)      Rule 145(d)(1) permits such resales only:

         (1)   While AmeriNet meets the public information  requirements of Rule
               144(c); (iii) in brokers'  transactions or in transactions with a
               market maker; and

                                       257
<PAGE>

         (2)   Where the aggregate  number of Restricted  Securities sold at any
               time together with all sales of  restricted  AmeriNet  Stock sold
               for Affiliate's  account during the preceding  three-month period
               does not exceed the greater of

               (a)  One  percent (1%) of AmeriNet's Common Stock outstanding; or

               (b)  The  average  weekly  volume of trading in  AmeriNet  Common
                    Stock on all  national  securities  exchanges,  or  reported
                    through  the  automated  quotation  system  of a  registered
                    securities  association,  during  the  four  calendar  weeks
                    preceding  the date of receipt  of the order to execute  the
                    sale.

9.2      Rule 145(d)(2).

     The Affiliate may make unrestricted sales of Restricted Securities
pursuant to Rule 145(d)(2) if:

(A)      The Affiliate has beneficially owned (within the meaning of Rule 144(d)
         under the Securities  Act) the  Restricted  Securities for at least one
         year after the Effective Time of the Merger;

(B)      The Affiliate is not an affiliate of AmeriNet; and

(C)      AmeriNet meets the public information requirements of Rule 144(c).

9.3      Rule 145(d)(3).

     The Affiliate may make unrestricted sales of Restricted Securities pursuant
to Rule 145(d)(3) if the Affiliate has beneficially owned (within the meaning of
Rule 144(d) under the Securities Act) the Restricted Securities for at least two
years and is not,  and has not been for the three months  preceding  the date of
sale, an affiliate of AmeriNet.

9.4      Acknowledgment.

     AmeriNet  acknowledges that the provisions of Section 6.3 of this Agreement
will be  satisfied  as to any sale by the  holder of the  Restricted  Securities
pursuant to Rule 145(d),  by a broker's letter and a letter from the undersigned
with respect to that sale stating that each of the above-described  requirements
of Rule 145(d)(1) has been met or is inapplicable by virtue of Rule 145(d)(2) or
Rule  145(d)(3);  provided,  however,  that AmeriNet has no reasonable  basis to
believe that such sales were not made in compliance with such provisions of Rule
145(d).

                                       258

<PAGE>
                                    Article X
                                    Legends.

(A)      The  Affiliate   also   understands   and  agrees  that  stop  transfer
         instructions will be given to AmeriNet's transfer agent with respect to
         certificates  evidencing the Restricted  Securities and that there will
         be placed on the  certificates  evidencing  the  Restricted  Securities
         legends stating in substance:

         "The shares  represented by this  certificate were issued pursuant to a
         business  combination  which was structured to comply with the tax free
         reorganization  provisions  of Section  368(a) of the Internal  revenue
         Code of 1986, as amended (the "Code") and was not registered  under the
         Securities Act of 1933, as amended (the  "Securities  Act") in reliance
         on applicable  exemptions  therefrom and from comparable  provisions of
         the securities laws of the recipients state of domicile, and may not be
         sold,  nor may the  owner  thereof  reduce  his or her  risks  relative
         thereto  in any  way,  until  such  time as  AmeriNet  Group.com,  Inc.
         ("AmeriNet"),  has published the  financial  results  covering at least
         thirty (30) days of combined operations after the effective date of the
         merger  through  which  the  business  combination  was  effected.   In
         addition,  the shares  represented by this certificate may not be sold,
         transferred or otherwise disposed of except or unless (1) covered by an
         effective  registration  statement  under the  Securities  Act,  (2) in
         accordance with Commission Rule 145(d) (in the case of shares issued to
         an individual  who is not an affiliate of AmeriNet) or Commission  Rule
         144 (in the case of shares issued to an individual  who is an affiliate
         of  AmeriNet)  of the rules  and  regulations  of such  act,  or (3) in
         accordance  with a legal opinion  satisfactory  to counsel for AmeriNet
         that such sale or transfer is  otherwise  exempt from the  registration
         requirements of such act."

(B)      (1)      Upon  the  request  of  the  Affiliate,  AmeriNet  shall cause
                  the  certificates  resenting the  Restricted  Securities to be
                  reissued  free  of any  legend  relating  to  restrictions  on
                  transfer  by virtue of ASR 130 and 135 as soon as  practicable
                  after the requirements of ASR 130 and 135 have been met.

         (2)      In  addition,  if the  provisions  of  Rules  144  and 145 are
                  amended to eliminate restrictions applicable to the Restricted
                  Securities received by Affiliate pursuant to the Merger, or at
                  the  expiration  of the  restrictive  period set forth in Rule
                  145(d), or upon registration of my such shares, AmeriNet, upon
                  the  request  of  Affiliate,   will  cause  the   certificates
                  representing the Restricted  Securities to be reissued free of
                  any legend relating to the restrictions set forth in Rules 144
                  and 145(d).

                                   Article XI
                            Miscellaneous Provisions.

11.1     Further Assurances.

     The Parties agree to do,  execute,  acknowledge  and deliver or cause to be
done,  executed,  acknowledged  or  delivered  and to perform  all such acts and
deliver all such deeds, assignments, transfers, conveyances, powers of attorney,
assurances,  stock certificates and other documents,  as may, from time to time,
be required herein to effect the intent and purpose of this Agreement.

                                       259
<PAGE>

11.2     Consent and Waiver.

     The  Affiliate  hereby gives any  consents or waivers  that are  reasonably
required for the consummation of the Merger under the terms of any agreements to
which Affiliate is a party or pursuant to any rights Affiliate may have.

11.3     Binding Agreement.

     This  Agreement  will  inure  to the  benefit  of and be  binding  upon and
enforceable  against the Parties and their  successors  and  assigns,  including
administrators,  executors, representatives, heirs, legatees and devisees of the
Affiliate and any pledgee holding Restricted Securities as collateral.

11.4     Waiver.

     No waiver by any party  hereto  of any  condition  or of any  breach of any
provision of this Agreement  shall be effective  unless in writing and signed by
each party hereto.

11.5     Governing Law.

     This Agreement shall be governed by and construed, interpreted and enforced
in accordance  with the laws of the State of Delaware,  except for any choice of
law  provisions  that  would  result in the  application  of the law of  another
jurisdiction,  and except for laws involving the fiduciary  obligations of Vista
Vacations's officers and directors, which shall be governed under Florida law.

11.6     Third Party Reliance.

     Legal counsel to and  accountants for the Parties shall be entitled to rely
upon this Agreement.

11.7     Amendments and Modification.

     This Agreement may not be modified, amended, altered or supplemented except
upon the execution and delivery of a written agreement executed by the Parties.

11.8     Specific Performance: Injunctive Relief.

     The Parties  acknowledge that AmeriNet will be irreparably  harmed and that
there will be no adequate  remedy at law for a violation of any of the covenants
or agreement of Affiliate  set forth  herein;  therefore,  it is agreed that, in
addition to any other  remedies  that may be available to AmeriNet upon any such
violation,  AmeriNet  shall  have  the  right  to  enforce  such  covenants  and
agreements  by  specific  performance,  injunctive  relief or by any other means
available to AmeriNet at law or in equity.

                                       260
<PAGE>

11.9     Notices.

     All notices,  requests,  claims, demands and other communications hereunder
shall be in writing and sufficient if delivered in person, by cable, telegram or
telex, or sent by mail (registered or certified mail,  postage  prepaid,  return
receipt  requested) or overnight courier (prepaid) to the respective  Parties as
follows:

         (1)      To the Affiliate:

At the contact information provided to the registrar of Vista Vacations's shares
of common  stock  and,  after the  Reorganization,  at the  contact  information
provided to and maintained by AmeriNet's transfer agent.

         (2)      To AmeriNet:

                            AmeriNet Group.com, Inc.
         2500 North Military Trail, Suite 225; Boca Raton, Florida 33487
                   Attention: Michael Harris Jordan, President
            Telephone (561) 998-3435, Fax (561) 998-3425; and, e-mail
                   webmaster@amerinetgroup.com; with a copy to

                                 General Counsel

                            AmeriNet Group.com, Inc.
                1941 Southeast 51st Terrace; Ocala, Florida 34471
  Telephone (352) 694-6714, Fax (352) 694-9178; and, e-mail, GRichardCh@aol.com

         (3)      To Vista Vacations:

                       Vista Vacations International, Inc.
                   5653 NW 29th Street, Margate, Florida 33063
                       Attention: Teri E. Nadler President
                  Telephone (954) 975-0898, Fax (954) 957-8447;
                      and, web site: www.Terir@Flinet.com

         (4)      To Yankees:

                           The Yankee Companies, Inc.
         2500 North Military Trail, Suite 225; Boca Raton, Florida 33487
                   Attention: Leonard Miles Tucker, President
                  Telephone (561) 998-2025, Fax (561) 998-3425;
                       and, e-mail carrington@flinet.com;

         or such  other  address  or to such  other  person as any  Party  shall
         designate to the other for such purpose in the manner  hereinafter  set
         forth, except that notices of change of address shall only be effective
         upon receipt.

                                       261
<PAGE>

11.10    Interpretation.

(A)      When a reference  is made in this  Agreement  to Schedules or Exhibits,
         such  reference  shall be to a Schedule  or  Exhibit to this  Agreement
         unless otherwise indicated.

(B)      The words "include,"  "includes" and "including" when used herein shall
         be  deemed  in  each  case  to  be  followed  by  the  words   "without
         limitation."

(C)      The headings  contained in this  Agreement are for  reference  purposes
         only and shall not affect in any way the meaning or  interpretation  of
         this Agreement.

(D)      The captions in this Agreement are for  convenience  and reference only
         and in no way  define,  describe,  extend  or limit  the  scope of this
         Agreement or the intent of any provisions hereof.

(E)      All pronouns and any variations thereof shall be deemed to refer to the
         masculine, feminine, neuter, singular or plural, as the identity of the
         Party or Parties,  or their  personal  representatives,  successors and
         assigns may require.

(F)      The Parties agree that they have been represented by counsel during the
         negotiation and execution of this Agreement and,  therefore,  waive the
         application  of any law,  regulation,  holding or rule of  construction
         providing  that  ambiguities  in an agreement or other document will be
         construed against the party drafting such agreement or document.

11.11    Merger of All Prior Agreements Herein.

(A)      This  instrument,  together  with the  instruments  referred to herein,
         contains all of the  understandings  and agreements of the Parties with
         respect to the subject matter discussed herein.

(B)      All prior  agreements  whether  written or oral are  merged  herein and
         shall be of no force or effect.

11.12    Survival.

     The  several  representations,  warranties  and  covenants  of the  Parties
contained  herein shall survive the execution  hereof and the Closing hereon and
shall be effective  regardless of any  investigation  that may have been made or
may be made by or on behalf of any Party.

11.13    Severability.

     If any provision or any portion of any provision of this  Agreement,  other
than one of the conditions  precedent or subsequent,  or the application of such
provision  or any portion  thereof to any person or  circumstance  shall be held
invalid or  unenforceable,  the  remaining  portions of such  provision  and the
remaining provisions of this Agreement or the application of such provision or

                                      262
<PAGE>

portion of such  provision  as is held  invalid or  unenforceable  to persons or
circumstances  other  than those to which it is held  invalid or  unenforceable,
shall not be affected thereby.

11.14    Indemnification.

(A)      Each Party hereby  irrevocably  agrees to indemnify  and hold the other
         Parties  harmless from any and all liabilities  and damages  (including
         legal or other expenses incidental  thereto),  contingent,  current, or
         inchoate  to which  they or any one of them  may  become  subject  as a
         direct,  indirect  or  incidental  consequence  of  any  action  by the
         indemnifying  Party  or  as a  con  sequence  of  the  failure  of  the
         indemnifying  Party to act,  whether  pursuant to  requirements of this
         Agreement or otherwise.

(B)      In the event it becomes  necessary to enforce this indemnity through an
         attorney,  with or without  litigation,  the successful  Party shall be
         entitled to recover from the  indemnifying  Party,  all costs  incurred
         including  reasonable  attorneys'  fees  throughout  any  negotiations,
         trials or appeals, whether or not any suit is instituted.

11.15    Dispute Resolution.

(A)      In any action  between  the Parties to enforce any of the terms of this
         Agreement  or  any  other  matter   arising  from  this  Agreement  any
         proceedings   pertaining  directly  or  indirectly  to  the  rights  or
         obligations  of the  Parties  hereunder  shall,  to the extent  legally
         permitted, be held in Broward County, Florida, and the prevailing Party
         shall  be  entitled  to  recover  its  costs  and  expenses,  including
         reasonable attorneys' fees up to and including all negotiations, trials
         and appeals, whether or not any formal proceedings are initiated.

(B)      Except for the arbitration  procedures outlined in paragraphs 7.2(G)(2)
         and 7.2(G)(3) which shall govern any arbitration  proceeding  described
         therein,  in the event of any dispute arising under this Agreement,  or
         the negotiation thereof or inducements to enter into the Agreement, the
         dispute shall,  at the request of any Party,  be  exclusively  resolved
         through the following procedures:

         (1)      (a)      First,  the  issue  shall  be  submitted to mediation
                           before a mediation service in Broward County, Florida
                           to be  selected  by lot from six  alternatives  to be
                           provided,  two by the Affiliate,  two by AmeriNet and
                           two by Vista Vacations.

                  (b)      The mediation  efforts shall be concluded  within ten
                           business  days  after  their  initiation  unless  the
                           Parties  unanimously  agree to an extended  mediation
                           period;

         (2)   In the event that  mediation does not lead to a resolution of the
               dispute  then at the  request of any  Party,  the  Parties  shall
               submit the dispute to binding  arbitration  before an arbitration
               service located in Broward County, Florida to be selected by lot,
               from six alternatives to be provided,  two by the Affiliate,  two
               by AmeriNet and two by Vista Vacations.

                                      263

<PAGE>

         (3)      (a)      Expenses of mediation shall be  borne equally  by the
                           Parties, if successful.

                  (b)      Expenses  of  mediation,   if  unsuccessful   and  of
                           arbitration  shall be borne by the  Party or  Parties
                           against whom the arbitration decision is rendered.

                  (c)      If the terms of the arbitral award do not establish a
                           prevailing  Party,  then the expenses of unsuccessful
                           mediation and  arbitration  shall be borne equally by
                           the Parties involved.

11.16    Benefit of Agreement.

     The terms and provisions of this Agreement  shall be binding upon and inure
to  the  benefit  of  the   Parties,   their   successors,   assigns,   personal
representatives,  estate, heirs and legatees but are not intended to confer upon
any other person any rights or remedies hereunder.

11.17    Counterparts.

(A)      This Agreement may be executed in any number of counterparts.

(B)      All   executed    counterparts    shall    constitute   one   Agreement
         notwithstanding  that  all  signatories  are  not  signatories  to  the
         original or the same counterpart.

(C)      Execution by exchange of facsimile transmission shall be deemed legally
         sufficient  to bind the  signatory;  however,  the Parties  shall,  for
         aesthetic  purposes,  prepare a fully executed original version of this
         Agreement which shall be the document filed with the Commission.

11.18    License.

(A)      This  form of  agreement  is  the  property  of  Yankees  and has  been
         customized  for this  transaction  with  the  consent  of Yankees by G.
         Richard Chamberlin, Esquire.

(B)      The use of this form of agreement by the Parties is  authorized  hereby
         solely for purposes of this transaction.

(C)      The use of this form of agreement or of any derivation  thereof without
         Yankees' prior Vista Vacationstten permission is prohibited.

11.19    Information Concerning the Affiliate's Share Ownership.

(A)      Shares beneficially owned:

         (1)      765 shares of Vista Vacations Common Stock; and

         (2)      0   shares of Vista Vacations Common Stock subject to
                              options, warrants or other rights.

                                      264
<PAGE>

                                 Execution Pages

     In Witness  Whereof,  the  Affiliate,  AmeriNet,  and Vista  Vacations have
caused this  Agreement  to be executed by  themselves  or their duly  authorized
respective officers, all as of the last date set forth below:

Signed, sealed and delivered

         In Our Presence:

                                                                   The Affiliate

----------------------------
                                                        /s/ Teri E. Nadler
----------------------------                            ------------------------
                                                                       Signature

Dated:   March 11, 2000                                 Teri Nadler
                                                        ------------------------
                                                                      Print name

                                                        AmeriNet Group.com, Inc.

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

____________________________                     By:    /s/ Michael H. Jordan
                                                        ________________________
                                                    Michael H. Jordan, President

         (Corporate Seal)
                                                 Attest:  /s/ Vanessa H. Lindsey
                                                          ______________________
                                                   Vanessa H. Lindsey, Secretary

Dated:   March 11, 2000

                                             Vista Vacations International, Inc.
----------------------------

____________________________                    By:  /s/ Teri E. Nadler
                                                   _____________________________
                                                       Teri E. Nadler, President

         (Corporate Seal)
                                                Attest:  /s/ Alicia Torrealba
                                                       _________________________
                                                     Alicia Torrealba, Secretary

Dated:   March 11, 2000

                                      265

<PAGE>

                                   Exhibit "A"
                                Irrevocable Proxy

     The  undersigned  stockholder  of Vista  Vacations  International,  Inc., a
Florida  corporation  ("Vista  Vacations"),  hereby  irrevocably  to the  extent
provided by Florida  law)  appoints  the  directors on the Board of Directors of
AmeriNet,  Group.com,  Inc., a Delaware  corporation  ("AmeriNet"),  and each of
them, as the sole and exclusive  attorneys and proxies of the undersigned,  with
full  power  of  substitution  and  resubstitution,  to the full  extent  of the
undersigned's  rights  with  respect  to the  shares of  capital  stock of Vista
Vacations beneficially owned by the undersigned,  which shares are listed on the
final  page of this  Proxy  (the  "Shares"),  and any and all  other  shares  or
securities  issued or issuable in respect  thereof on or after the date  hereof,
until such time as that certain  Reorganization dated February 28, 2000"), among
AmeriNet, and Vista Vacations,  shall be terminated in accordance with its terms
or the Reorganization Agreement is effective.

                                     Terms:

1.        Upon the execution hereof,  all prior proxies given by the undersigned
          with respect to the Shares and any and all other shares or  securities
          issued or issuable in respect  thereof on or after the date hereof are
          hereby revoked and no subsequent proxies will be given.

2.        This proxy is irrevocable  (to the extent provided by Florida law), is
          granted pursuant to the Affiliate Agreement dated as of February 28, 1
          2000,   between  AmeriNet,   Vista  Vacations,   and  the  undersigned
          stockholder,   (the   "Affiliate   Agreement"),   and  is  granted  in
          consideration of AmeriNet entering into the Reorganization Agreement.

3.        The  attorneys  and proxies  named above will be empowered at any time
          prior to  termination  of the  Reorganization  Agreement in accordance
          with  Article  VIII  thereof to exercise  all voting and other  rights
          (including,  without  limitation,  the power to  execute  and  deliver
          written  consents  with respect to the Shares) of the  undersigned  at
          every  annual,  special  or  adjourned  meeting  of Vista  Vacations's
          stockholders,  and in every written consent in lieu of such a meeting,
          or otherwise, in favor of approval of the Reorganization Agreement and
          any  matter  that could  reasonably  be  expected  to  facilitate  the
          Reorganization,  and against any  proposal  made in  opposition  to or
          competition  with the consummation of the  Reorganization  and against
          any  merger,   consolidation,   sale  of  assets,   reorganization  or
          recapitalization of Vista Vacations with any party other than AmeriNet
          and its affiliates and against any  liquidation or winding up of Vista
          Vacations.

4.        The  attorneys and proxies named above may only exercise this proxy to
          vote the Shares subject hereto at any time prior to termination of the
          Reorganization  Agreement in  accordance  with Article VIII thereof at
          every  annual,  special or adjourned  meeting of the  stockholders  of
          Vista  Vacations and in every written consent in lieu of such meeting,
          in favor of approval of the  Reorganization  Agreement  and any matter
          that could  reasonably be expected to facilitate  the  Reorganization,
          and against any merger, consolidation,  sale of assets, reorganization
          or  recapitalization  of Vista  Vacations  with any party  other  than
          AmeriNet and its affiliates, and against any liquidation or winding up
          of Vista  Vacations,  and may not  exercise  this  proxy on any  other
          matter.

                                      266

<PAGE>

5.        The undersigned stockholder may vote the Shares on all other matters.

6.        Any obligation of the undersigned  hereunder shall be binding upon the
          successors and assigns of the undersigned.

7.        This proxy is irrevocable and coupled with an interest.

8.        Stockholder Data:

   A.       Full name:  Teri                    Eileen             Nadler
                        ________________        _____________      ____________
                        First                   Middle             Last

   B.       Tax identification number:     Social Security number ommitted for
                                           reasons of personal privacy

   C.       Domicile Address:              6645 Northwest 48th Manor;
                                           Coral Springs, Florida 33067

   D.       Telephone, fax and e-mail:     954-752-4770/954-975-8447
                                           Teri@flinet.com

   E.       Shares Information:

           (1)      Number of Vista Vacations Shares owned or controlled as to
                    voting matters:

                          765

Signed, sealed and delivered
         In Our Presence:

                                                                    Stockholder:

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

____________________________             By:     /s/ Teri E. Nadler
                                                 ______________________________

Dated:   March 12, 2000

                                      267

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