Document:

SECURITY AGREEMENT

Gateway Companies, Inc., a Delaware Corporation ("Gateway" or the "Secured
Party") and Einstein Computer Corporation, a Florida corporation ("Einstein")
agree for good and valuable consideration:

SECURITY INTEREST. Einstein hereby grants a security interest in the following
property to Gateway (the "Secured Property"):

All goods shipped to Einstein by or on behalf of Gateway and its affiliates,
including all Gateway personal computers and related peripheral products
(collectively "Products"), together with proceeds and accounts receivable from
the sale of such Products and all insurance proceeds, whether now owned or
hereafter acquired. Upon Gateway's acceptance of Einstein's full payment of all
above orders, this Security Agreement and associated security filing shall be
terminated.

This security agreement is made to secure indebtedness of Einstein, Inc. to
Gateway Companies, Inc., for the purchase by Einstein from Gateway of Products
from Gateway and its affiliates pursuant to purchase orders entered on and after
the effective date of this Agreement.

WARRANTIES. Einstein warrants to Secured Party that it has or will have on
acquisition full title to the Secured Property and that the Secured Property is
subject to no other liens, charges or encumbrances and that there are no
financing statements on file naming Einstein as debtor that might create a lien
on the Secured Property.

INSURANCE. Einstein shall maintain the Products in good repair, ordinary wear
and tear excepted, and shall insure the same for its full value. Einstein shall
provide to Gateway certificates of insurance. Secured Party shall be named as a
loss payee on a long form standard loss payable clause. Should Einstein fail to
maintain such coverage, Secured Party may obtain the same and Einstein shall pay
Secured Party for the same, together with interest at the highest legal rate on
any amounts advanced by the Secured Party.

WAREHOUSE. Einstein shall maintain the Products in its warehouse located at 1601
N. Harrison Parkway, Suite 200, Bldg. A, Sunrise, FL until shipped to a customer
and shall clearly mark the Products as subject to a security interest of
Gateway. The Products shall be insured for loss with Gateway named as an
additional payee in the event of loss.
<PAGE>

DELIVERY OF SECURED PROPERTY. If any of the Products is purchased through the
creation of any chattel paper or instruments, Einstein shall promptly, but in
any event within two business days, deliver such Secured Property to Gateway.

DEFAULT. Upon default, as is defined herein, Secured Party shall have all of the
rights given to a secured party under the Uniform Commercial Code, Article 9.

Default shall be defined as:

     1.  Any failure to comply with any covenant set forth in this Agreement or
         any agreement related to the indebtedness secured by this agreement,
         including but not limited to a failure to timely pay as provided;
     2.  The entry of a judgment, tax lien or other charge against Einstein
         which is not satisfied or superseded within thirty days of inception;
     3.  Any of the Secured Property shall be subject to a security interest
         other than the security interest herein granted in favor of Secured
         Party.
     4.  Such other commercially reasonably reason that leads Secured Party in
         good faith to believe that its security is in peril.

FURTHER ACTIONS. Einstein shall execute any and all financing statements or
other documents which are requested by Secured Party and which Secured Party
determines may be desirable or necessary to perfect Secured Party's lien.

Einstein appoints Gateway as its agent to file any and all financing statements
which may be necessary or required to perfect Gateway's security interest, and
Einstein hereby authorizes Gateway to execute the same for Einstein.

GOVERNING LAW; VENUE This Agreement and any controversy arising out of or in
relation to it shall be governed by the law of the State of California
(conflicts of laws provisions excepted), and, the parties hereby submit to the
jurisdiction of the state and federal courts of the State of California, which
shall have exclusive jurisdiction over all controversies in connection herewith.
Reseller hereby waives any right to assert any rights or defenses within any
other jurisdiction or to require that litigation regarding this Agreement take
place elsewhere.

SEVERABILITY If any provision of this Agreement shall be declared void, invalid,
or illegal, the validity or legality of all other provisions of the Agreement
shall not be affected thereby.

NOTICES. Except as otherwise provided in this Agreement, all notices, demands
and other communications hereunder shall be in writing and shall be delivered
personally or sent by facsimile, other electronic means or nationally recognized
overnight courier service addressed to the party to whom such notice or other
communication is to be given or made at such party's address as set forth below,
or to such other address as such party may designate in writing to the other
party from time to time in accordance with the provisions hereof, and shall be
deemed given when personally delivered, when sent electronically or one (1)
business day after being sent by overnight courier.
<PAGE>

         To Einstein:      Einstein Computer Corporation
                           1601 N. Harrison Parkway
                           Suite 200, Bldg. A
                           Sunrise, FL  33323
                           Attention:  Michael Samach, CFO
                           Facsimile:  954.267.0401

         To Gateway:       Gateway, Inc.
                           4545 Towne Centre Court
                           San Diego, CA 92121
                           Attention:  Cliff Holtz, Senior Vice President
                           Facsimile:  858.799. 3413

     with copies to:       Gateway Companies, Inc.
                           4545 Towne Centre Court
                           San Diego, CA 92121
                           Attention:  William M. Elliott, General Counsel
                           Facsimile:  858.799.3413

         EITHER PARTY MAY CHANGE THE ADDRESS TO WHICH NOTICE MUST BE SENT BY
         GIVING WRITTEN NOTICE OF SUCH CHANGE TO THE OTHER PARTY IN THE MANNER
         PROVIDED HEREIN.

ASSIGNABILITY This Agreement may not be assigned without the prior written
consent of the other party.

ENTIRE AGREEMENT. This document represents the entire agreement between the
parties, and there are no agreements or representations which are not stated
herein. This agreement may not be modified unless it is in writing and signed by
both parties.

EFFECTIVE DATE.  This Agreement is effective as of the date set forth below.

Gateway Companies, Inc.                    Einstein Computer Corporation

By: /s/ JOHN J. TODD                       By: /s/ MICHAEL SAMACH
    ----------------------------               -----------------------------

Name: John J. Todd                         Name: Michael Samach
      Senior Vice President, CFO                 Chief Financial Officer

Date: September 23rd, 2000                 Date: September 23rd, 2000GUARANTY

         The undersigned hereby irrevocably and unconditionally guarantees the
payment and collection of the obligations of Einstein Computer Corporation, (the
"Company") a Florida corporation, with offices located at 1601 N. Harrison
Parkway, BuildingA, Suite 200, Sunrise, FL 33323, and wholly-owned subsidiary of
Legal Club of America Corp. a Colorado corporation with offices at the same
address, to Gateway Companies, Inc., ("Gateway") a Delaware corporation under
that certain Gateway Authorized Reseller Agreement dated September 23rd, 2000,
as the same may be modified and amended from time to time ("Agreement") and
related purchase orders ("Purchase Orders") and a Note Agreement and Security
Agreement dated as of September 25th, 2000 ("Note Agreement"). This guarantee
shall be effective notwithstanding any modification or amendment to the
Agreement or the Note Agreement. The undersigned shall have the sole
responsibility for obtaining from the Company such information concerning the
Company's financial condition or business operations as the undersigned may
require. The undersigned waives all defenses based upon suretyship or arising
out of suretyship status and waives all presentments, demands for performance,
notices of nonperformance, protests, notices of protest, notices of dishonor,
and notices of acceptance of this Guaranty and of the existence, creation, or
incurring of new or additional indebtedness, and notices of any kind whatsoever.
No provision or waiver in this Guaranty shall be construed as limiting the
generality of any other waiver contained in this Guaranty. Upon making all
payments under the Agreement and the Purchase Orders and this Guaranty, the
undersigned shall be subrogated to the rights of Gateway against the Company. It
is not necessary for Gateway to inquire into the powers of the Company or of the
officers, directors, partners, or agents acting or purporting to act on behalf
of the Company. This Guaranty shall be governed by and construed according to
the laws of the State of California without giving effect to any conflict of law
provision thereunder, to the jurisdiction of which the parties hereto submit.
This Guaranty shall benefit Gateway and its permitted assignees.

LEGAL CLUB OF AMERICA CORP.

By:      /s/ BRETT MERL
         ----------------------------
Name:    Brett Merl
Title:   Chief Executive OfficerLOAN AGREEMENT

         THIS LOAN AGREEMENT entered into this __day of __________, 2000 by and
between Advanced Technology Industries, Inc., a Delaware corporation,
("Borrower") and_____________________("Lender") provides as follows:

                                    RECITALS

         A. Borrower desires to borrow funds from Lender and Lender desires to
lend said funds to Borrower.

         B. This Agreement sets forth the terms on which Lender will lend funds
to Borrower and Borrower will repay said funds.

         NOW THEREFORE, in consideration for the mutual covenants and agreements
contained herein and for other good and valuable consideration the receipt of
which is hereby acknowledged the parties hereto agree as follows:

         1. LOAN

         Lender shall loan Borrower USD_____________. The loan shall be deemed
to have been made when Borrower receives good and sufficient funds in the form
of a cashiers check, wire transfer, or other means (the "Loan Date"). The funds
shall be payable either in U. S. Dollars or German Deutsch Marks at the option
of Lender. However, all repayments of principal and interest shall be in U. S.
Dollars. The loan shall be evidenced by a promissory note ("Note") in the form
attached hereto as Exhibit "A".

         2. INTEREST

         The Note shall bear interest at the rate of 1% per month commencing on
the Loan Date which shall be prorated based upon the number of days in the month
if said loan is made on other than the first day of the calender month. Interest
shall be accrued and paid on the Maturity Date as defined in Paragraph 3 below.
At the option of the Borrower interest shall be paid in cash or in $.0001 par
value common stock of Borrower ("Stock"). The number of shares to be delivered
to Lender in payment of the interest shall be determined by multiplying (i) the
average closing bid price of the Stock for the five (5) trading days prior to
the Maturity Date by (ii) 85% and dividing the interest due at the Maturity Date
by the resulting multiple (the "Interest Shares"). By way of example if the
interest due at the Maturity Date is $36,000 and the average of the closing bid
price as determined above is $1.00 the number of Interest Shares would be 42,353
determined as follows: $36,000 divided by ($1.00 x .85)= 42,353. All Interest
Shares shall be restricted shares subject to the provisions of Paragraph 9
below.

                                       1
<PAGE>

         3. MATURITY DATE

         The Maturity Date shall be the earlier of (i) 180 days from the Loan
Date (ii) the sale by Borrower subsequent to November 1, 2000 of shares of
Eurotech, Ltd, a D.C. corporation, ("Eurotech Shares") owned by the Borrower
aggregating at least $1,500,000 after sales commissions and related expenses or
(iii) the closing of a loan to Borrower in an amount net to Borrower of not less
than 1,500,000 secured by the Eurotech Shares.

         4. EQUITY INCENTIVE

         Lender will receive one share of $.0001 par value common stock of
Borrower for each $1.00 loaned to Borrower ("Incentive Shares"). Said shares
shall be restricted shares subject to the provisions of Paragraph 9 below.

         5. PREPAYMENT RIGHT

         Borrower shall have the right, without penalty, to pay the Note in full
together with any unpaid interest at any time after 30 days from the Loan Date
upon the giving of 10 days written notice.

         6. REGISTRATION RIGHTS

         Lender shall have the right to have the Incentive Shares and the
Interest Shares, if any, registered under the Securities Act of 1933 pursuant to
the Registration Rights Agreement attached hereto as Exhibit "B" and made a part
hereof as though fully set forth herein. The execution of this Agreement shall
be deemed to be the execution of the Registration Rights Agreement in the form
set forth in Exhibit "B".

         7.  WARRANTIES AND REPRESENTATIONS OF LENDER.

         Lender hereby makes the following representations and warranties to
Borrower:

                  7.01. Lender is an "accredited investor" because Lender is
(initial appropriate item):

                  _____A natural person whose individual net worth, or joint net
worth with that person's spouse, at the time of his purchase, exceeds
$1,000,000, or

                  _____A natural person who had an individual income in excess
of $200,000 in each of the two most recent years or joint income with that
person's spouse in excess of $300,000 in each of those years and has a
reasonable expectation of reaching the same income level in the current year, or

                  ____A trust, with total assets are in excess of $5,000,000,
not formed for the specific purpose of acquiring the securities offered hereby,
whose purchase is directed by a sophisticated person, as described below; or

                                       2
<PAGE>

                  ____An entity in which all of the equity owners are accredited
investors.

                  7.02. Lender has significant prior investment experience,
including investments in unsecured loans and unregistered securities and
recognizes the speculative nature of this investment. Lender is knowledgeable,
sophisticated and experienced in making and is qualified to make decisions with
respect to investments of the nature evidenced by this Agreement and has
requested, received, reviewed and considered all information Lender deems
relevant in making a decision to execute this Agreement. Lender is capable of
evaluating the merits and risks of entering into this Agreement and consummating
the transactions contemplated thereby.

                  7.03. Lender has relied upon Borrower's filings with the
Securities and Exchange Commission under Section 13 of the Securities Exchange
Act of 1934, this Agreement, and independent investigations of Borrower made by
Lender and has been given access and the opportunity to examine all material
books and records of Borrower, all material contracts and has had the
opportunity to ask questions of and to receive answers from Borrower or any
person acting on its behalf concerning the terms and conditions of the
transaction contemplated by this Agreement. Lender has been furnished with all
material relating to the business, finances, and operations of Borrower and
materials relating to the transactions under this Agreement which have been
requested by such person and such person has received complete and satisfactory
answers to any such inquiries.

                  7.04. Lender hereby agrees to take any further action or
execute such further instruments as may be necessary to effectuate the terms of
this Agreement.

         8.  WARRANTIES AND REPRESENTATIONS OF BORROWER.

         Borrower hereby makes the following representations and warranties to
Lender:

                  8.01 Borrower is a Delaware corporation duly organized,
validly existing, and in good standing under the laws of the State of Delaware
and has full corporate power and authority to enter into this Agreement and to
carry out the transactions contemplated hereby. The Board of Directors of
Borrower has taken all action required by law, Borrower's corporate charter, its
By- Laws, or otherwise, to be taken by it to authorize the execution and
delivery of this Agreement, the issuance of the Note and the shares which are
the subject of this Agreement, and the consummation of the transactions
contemplated hereby.

                  8.02 The Incentive Share and the Interest Shares, if any,
delivered hereunder shall be validly issued and outstanding and fully paid and
non-assessable.

                  8.03. The Note when issued shall be a validly issued and
binding obligation of the Borrower.

                                       3
<PAGE>

                  8.04 Borrower has the full right and power to issue the Note,
the Incentive Shares and the Interest Shares, if any, free and clear of any
statutory, contractual, or other limitation, and none of said shares are subject
to any lien, pledge, hypothecation, or any encumbrance whatsoever. The issuance
of the Note, the Incentive Shares, and the Interest Shares, if any, as provided
for herein will vest directly in Lender title to said instruments and securities
free and clear of any and all encumbrances, liens, restrictions, options,
agreements, and conditions except as set forth in Paragraph 9 hereof.

                  8.05 The person or persons executing this agreement on behalf
of Borrower have the requisite power authority to do so and to make, execute,
and deliver all instruments and documents to be executed in connection herewith.

         9.  INVESTMENT RESTRICTIONS.

         The Incentive Shares and Interest Shares, if any, to be issued to
Lender hereunder have not been registered under the Securities Act of 1933
("Securities Act") or any state securities laws and are issued in reliance upon
certain exemptions included in federal and state securities laws from such
registration. There are substantial restrictions on the sale of the shares and
the shares may be transferred only in accordance with the provisions of this
paragraph. Each certificate representing the shares issuable hereunder and any
other securities issued in respect of the shares issuable hereunder and any
other securities issued in respect of the shares upon any stock split, stock
dividend, recapitalization, merger, consolidation or similar event, will (unless
otherwise permitted or unless the shares of Borrower's stock evidenced by such
certificate shall have been registered under the Securities Act) will be stamped
or otherwise imprinted with a legend substantially in the following form (in
addition to any legend required under applicable state securities laws):

            "THESE SECURITIES HAVE NOT BEEN REGISTERED UNDER THE
            SECURITIES ACT OF 1933 OR ANY STATE SECURITIES LAWS. THEY
            MAY NOT BE SOLD OR OFFERED FOR SALE IN THE ABSENCE OF AN
            EFFECTIVE REGISTRATION STATEMENT AS TO THE SECURITIES UNDER
            SAID ACT AND ANY APPLICABLE STATE SECURITIES LAW OR AN
            OPINION OF COUNSEL SATISFACTORY TO THE COMPANY THAT SUCH
            REGISTRATION IS NOT REQUIRED."

The shares may be transferred only upon (i) registration under the Securities
Act, (ii) the receipt by Borrower of an opinion of counsel acceptable to
Borrower (including then counsel to Borrower) that such transfer is exempt from
the registration provisions of the Securities Act and state securities laws), or
(iii) the receipt by Borrower of a "no-action" letter from the Securities and
Exchange Commission to the effect that any transfer by such holder of the
securities evidenced by such certificate will not violate the Securities Act and
applicable state securities laws.

                                       4
<PAGE>

         10. MISCELLANEOUS

                  10.01 NOTICES

                  All notices and other communications hereunder shall be in
writing and shall be deemed given if delivered personally or by commercial
delivery service, or mailed by registered or certified mail (return receipt
requested) or sent via facsimile (with acknowledgment of computer transmission)
to the parties at the following addresses (or at another address for a party as
shall be specified by like notice):

         To: Borrower:                Advanced Technology Industries Inc.
                                      Taubenstrasse 20
                                      Berlin, Germany   D-10117
                                      Telephone No.: (4930) 201-7780
                                      Facsimile No.: __________________

                  With copy to:       H. Roy Jeppson
                                      Law Offices of H. Roy Jeppson
                                      11900 West Olympic Boulevard, Sixth Floor
                                      Los Angeles, California  90064
                                      Telephone No.: (310) 826-5566
                                      Facsimile No.:  (310) 826-5350

         To: Lender                   __________________________________
                                      __________________________________
                                      __________________________________
                                      Telephone No.: ___________________
                                      Facsimile No.: ___________________

                  10.02 INTERPRETATION

                  The words "include", "includes" and "including", when used
herein, shall be deemed in each case to be followed by the words "without
limitation". 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. As used herein, references to the singular include the plural and the
plural include the singular, except where the context requires otherwise. As
used herein, references to person includes individuals and entities.

                                       5
<PAGE>

                  10.03 COUNTERPARTS AND FACSIMILE SIGNATURES

                  This Agreement may be executed in one or more counterparts and
by facsimile signature, all which shall be considered one and the same agreement
and shall become effective when one or more counterparts have been signed by
each party delivered to the other party, it being understood that all parties
need not sign the same counterpart.

                  10.04 ENTIRE AGREEMENT

                  This Agreement and the exhibits hereto, and the documents and
instruments and other agreements among the parties hereto referenced herein
constitute the entire agreement among the parties with respect to the subject
matter hereof and supersedes all prior agreements and understandings, both
written and oral, among the parties with respect to the subject matter hereof.

                  10.05 SEVERABILITY

                  In the event that any provision of this Agreement, or the
application thereof, becomes or is declared by a court of competent jurisdiction
to be illegal, void, or unenforceable, the remainder of this Agreement will
continue in full force and effect and the application of such provisions to
persons or circumstances will be interpreted reasonably so as to give effect to
the intent of the parties hereto. The parties further agree to replace such void
or unenforceable provision of this Agreement with a valid and enforceable
provision that will achieve, to the extent possible, the economic, business and
other purposes intended by the void or unenforceable provision.

                  10.06 OTHER REMEDIES

                  Except as otherwise provided herein, any and all remedies
herein expressly conferred upon a party will be deemed cumulative with, and not
exclusive of, any other remedy conferred hereby, or by law or equity, upon such
party, and the exercise by a party of any one remedy will not preclude the
exercise of any other remedy.

                  10.07 GOVERNING LAW; VENUE

                  This Agreement shall be governed by and construed in
accordance with the laws of the Republic of Germany, regardless of the laws that
might otherwise govern under applicable principles of conflicts of laws thereof.
The parties irrevocably consent to the jurisdiction and venue of the courts of
the Republic of Germany concerning any action relating to this Agreement
including, but not limited to, any action related to the Note, the Incentive
Shares, and the Interest Shares, if any.

                  10.08 RULES OF CONSTRUCTION

                  The parties hereto 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.

                                       6
<PAGE>

                  10.09 SPECIFIC PERFORMANCE

                  The parties hereto agree that irreparable damages would occur
in the event that any of the provisions of this Agreement were not performed in
accordance with their specific terms or were otherwise breached. It is
accordingly agreed that the parties shall be entitled to an injunction or
injunctions to prevent breaches of this Agreement and to enforce specifically
the terms and provisions hereof in any court having proper venue hereunder, this
being in addition to any other remedy to which they are entitled at law or in
equity.

                  10.10 ATTORNEYS' FEES AND COST

                  In the event of any action at law or in equity between the
parties hereto to enforce any of the provisions hereof, the unsuccessful party
or parties to such litigation shall pay to the successful party or parties all
costs and expenses, including actual attorneys' fees, incurred therein by such
successful party or parties and if such successful party or parties shall
recover judgment in any such action or proceeding, such costs, expenses and
attorneys' fees shall be included in and as part of such judgment. The
successful party shall be the party who is entitled to recover his or its costs
of suit, whether or not the suit proceeds to final judgment. A party not
entitled to recover his or its costs shall not recover attorneys' fees.

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

                           "Borrower"       Advanced Technology Industries, Inc.

                                            By
                                               ---------------------------------
                                               H. J. Skrobanek, President

                           "Lender"         __________________________

                                       7
<PAGE>

                                   EXHIBIT "A"

                                 PROMISSORY NOTE

$____________________                                             _________,2000

         On the Maturity Date as defined in that certain Loan Agreement by and
between Advanced Technology Industries, Inc. as Borrower and
___________________as Lender dated as of __________, 2000 ("Loan Agreement")
Borrower promises to pay to, or order, the sum of $_______________________
together with interest as provided in the Loan Agreement.

         Borrower has certain rights of prepayment, without penalty, as set
forth in the Loan Agreement.

         This Promissory Note is governed by and subject to the provisions of
the Loan Agreement. A copy of the Loan Agreement may be obtained from the
corporate office of the Borrower whose address and telephone number are as
follows: Advanced Technology Industries Inc.,Taubenstrasse 20, Berlin, Germany
D-10117, Telephone No.: (4930) 201-7780

                                           Advanced Technology Industries, Inc.

                                           By
                                              --------------------------------
                                              H. J. Skrobanek, President.

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