Document:

INDEPENDENT CONTRACTOR'S
                        INSTALLATION & SERVICE AGREEMENT

This Independent Contractor's Agreement ("Agreement") is made this eighth day of
May, 1997, by and between:

Accident  Prevention  Plus,  LLC,  ("APP") whose primary address is 700 Veterans
Memorial Highway, Hauppauge, New York 11788, United States of America, and World
Asset Management,  Inc., an independent contractor  ("Contractor") whose primary
address is Fossil  Bank,  Barton On Sea,  New,  Milton,  Hants BH25 7QJ,  United
Kingdom. The Contractor will purchase 4.9% equity in APP for US$2,500 as well as
the consideration of the mutual conditions made herein, as follows:

                                   Article 1.
                                Term of Agreement

This Agreement will become effective on May 8, 1997, and will continue in effect
according to the terms and conditions specified under Article 6 Paragraph 6.1 of
this Agreement.

                                   Article 2.
                     Services to be Performed by Contractor

2.1.     Specific Services. Contractor agrees to perform vehicular installations
         and  maintenance  thereafter,  for the APP family of products that have
         been  mutually  agreed to as  described  in the  "Installation  Manual"
         provided by APP.

         Contractor agrees to perform the services specified in the "Description
         of Services"  attached to this Agreement as Exhibit A. and incorporated
         herein by this reference.

2.2.     Method  of   Performing   Services.   Contractor   will  abide  by  all
         installation and maintenance procedures outlined in APP's "Installation
         Manual".  Contractor  will also offer  expertise as to the best method,
         details, and means of performing the above-described services.

2.3.     Employment of Assistants.  Contractor may, at Contractor's  own expense
         and with  subsequent  written  approval from APP, employ or subcontract
         additional  employees or  companies as deemed  necessary to perform the
         services required by the terms and conditions of this Agreement.

                                                                             1
<PAGE>

                                   Article 3.
                                  Compensation

3.1.     Per Diem Compensation.

         See Exhibit B.

3.2.     Date for Payment of  Compensation.  For  services  rendered  under this
         Agreement,  APP agrees to pay  Contractor  the sum set forth in Section
         3.1 of this Agreement upon an itemized completion of work report with a
         daily signed  verification  from the end user that the installation has
         been performed in a satisfactory manner.

                                   Article 4.
                            Obligations of Contractor

4.1.     Minimum  Amount of  Service.  Contractor  agrees to devote as much time
         that is  required  for the  performance  and timely  completion  of the
         above- described services.  Contractor may represent,  perform services
         for, and be employed by such additional clients,  persons, or companies
         as Contractor, in Contractor's sole discretion,  sees fit provided that
         the nature of the business does not conflict with that of APP.

4.2.     Hours During  Which  Services May be  Performed.  Contractor  agrees to
         perform the above-described  services at mutually acceptable  locations
         during mutually  agreeably hours which could also include  evenings and
         weekends.

4.3.     Tools and  Instrumentation.  Installation Kits will be purchased by the
         End User from APP for the installation.  Contractor will be required to
         utilize   these  kits  and  will  supply  all   additional   tools  and
         instrumentation required to perform all services under this Agreement.

4.4.     Worker's   Compensation.   Contractor   agrees  to   provide   worker's
         compensation insurance for Contractor's employees and agents and agrees
         to hold harmless and indemnity APP from any and all claims  arising out
         of any injury,  disability,  or death of any contractor's  employees or
         agents.  In the event of any  malfunction  of systems  under Article 2,
         Contractor  will hold APP harmless  from any claims from o end user due
         to faulty installations or erroneous maintenance work.

4.5.     Assignment.  Neither this Agreement nor any duties or obligations under
         this  Agreement  may be assigned by contractor  without the  subsequent
         written consent of APP.

                                                                             2
<PAGE>

                                   Article 5.
                                Obligation of APP

5.1.     Cooperation of APP. APP agrees to comply with all  reasonable  requests
         of Contractor necessary to the performance of Contractor's duties under
         this Agreement.

5.2.     Furnished  Materials.  APP agrees to provide  installation  manuals and
         initial  instruction.  Manuals  will be provided in native  language if
         necessary.  If not, English,  French or Spanish will prevail.  Periodic
         training  seminars  will also take  place at  various  locations  to be
         announced.   A  toll-free  24  hour  technical  hotline  will  also  be
         available.

5.3.     APP's  limited  warranty for all supplied  components  and materials to
         Contractor will apply for a period of one year.

                                   Article 6.
                            Termination of Agreement

6.1.     Termination Upon Notice.  Notwithstanding  any other provisions of this
         Agreement, either party hereto may terminate this Agreement at any time
         by giving  ninety (90) days written  notice to the other party.  Unless
         otherwise  terminated as provided herein, this Agreement shall continue
         in force  until the  services  provided  for herein have been fully and
         completely performed.  In the event that Contractor terminates service,
         obligations  do exist from  Contractor  to perform  service work within
         seven (7) calendar days on previously  installed  systems that have not
         exceeded the Contractor's ninety (90) day installation  warranty.  This
         will be free of all charges.

6.2.     Termination  on  Occurrence  of Stated  Events.  This  Agreement  shall
         terminate   automatically  on  the  occurrence  of  (1)  bankruptcy  or
         insolvency of either  party;  (2) sale of the business of either party;
         or (3) assignment of this Agreement by either party without the express
         written consent of the other party.

6.3.     Termination by APP for Default of Contractor. Should Contractor default
         in the  performance of this  Agreement or materially  breach any of its
         provisions,  APP, at APP's  option,  may  terminate  this  Agreement by
         giving fourteen (14) days written  notification to Contractor.  For the
         purpose of this  paragraph,  material  breach of this  Agreement  shall
         include,  but not limited to, untimely  completion of installation  per
         schedule, poor workmanship, and non flexible working hours.

6.4.     Termination by Contractor for Default of APP. Should APP default in the
         performance  of  this  Agreement  or  materially   breach  any  of  its
         provisions,  Contractor,  at  Contractor's  option,  may terminate this
         Agreement by giving fourteen (14) days written notification to APP. For

                                                                             3
<PAGE>

         the purpose of this paragraph,  material breach of this Agreement shall
         include inability to provide installation manuals and support.

6.5.     Termination for Failure to Make Agreed-Upon  Payments.  Should APP fail
         to pay  Contractor  all or any part of the  compensation  set  forth in
         Paragraphs 3.1 and 3.2 of this  Agreement on the due date,  Contractor,
         at Contractor's  option, may terminate this Agreement if the failure is
         not  remedies by APP within  thirty (30) days from the date  payment is
         due.

                                    Article 7
                               General Provisions

7.1.     Contractor will not at any time, in any form or manner, either directly
         or indirectly  divulge,  written or verbal,  disclose or communicate to
         any  person,  firm,  or  corporation  any  information  relating to the
         business  of  APP  as  all   information   concerning  APP  are  deemed
         "Proprietary".

7.2.     This  agreement  shall be  enforced  under the laws of the State of New
         York, United States of America.

Accident Prevention Plus, LLC                        World Asset Mgmt., Inc.
Steven Wahrman                                       Roy Allcock
President                                            Managing Director

/s/ Steven Wahrman                                    /s/ Roy Allcock
-------------------                                   -----------------

                                                                            4
<PAGE>

                                    Exhibit A
                             Description of Services

Contractor will perform all services  pertaining to vehicular  installations  as
outlined:

    I. APP SERIES

         A.       Installation and wiring of all sensors.
         13.      Installation of on board recorder.
         C.       Training.
         D.       Servicing as needed

    II.    FIMS

         A.       Installation of the Vehicle Unit
         13.      Configuration of the Vehicle Unit.
         C.       Installation of the Driver Unit.
         D.       Installation of the Tank Inlet Antenna.
         E.       Servicing as needed

                                                                              5
<PAGE>

                                    EXHIBIT B
                              PER DIEM COMPENSATION

Manager Time                                              US$60.00 per hour
Straight Time Labor                                       US$40.00 per hour
Travel Time                                                    .35 per mile
Consumable & job related items                            Charge back
Accommodations (if necessary)                             Prior arrangement

<PAGE>

                      AMENDMENT TO INDEPENDENT CONTRACTOR'S
                        INSTALLATION & SERVICE AGREEMENT

         THIS  AMENDMENT  TO  INDEPENDENT  CONTRACTOR'S  INSTALLATION  & SERVICE
AGREEMENT is entered into this 28th day of October, 1998 by and between Accident
Prevention Plus, Inc., a Nevada corporation  ("APP") and World Asset Management,
Inc., a ________ corporation ("WAM").

                                    RECITALS

         WHEREAS,  WAM and Accident  Prevention  Plus, LLC, a limited  liability
company ("APP LLC") had entered into an ~dependent Contractor's Installation and
Service  Agreement dated May 8, 1997 (the "Service  Agreement")  whereby WAM was
granted  a  4.9%  ownership  interest  in  APP  LLC  in  consideration  for  the
performance of certain duties;

         WHEREAS,  on October 28, 1998,  Accident  Prevention Plus, Inc. ("APP")
was formed  under the laws of the State of Nevada,  and APP and WAM entered into
an agreement (the "Exchange  Agreement'~)  whereby WAM agreed to exchange either
its equity membership interest or right to equity membership interest in APP LLC
for shares of restricted common stock of APP

         WHEREAS,  in accordance  with the terms and  provisions of the Exchange
Agreement,  on October 28, 1 998,  795,000 shares of restricted  common stock of
APP were issued to WAM to be commensurate with a 4.9% ownership  interest in APP
LLC pursuant to the terms and provisions of the Service Agreement; and

         WHEREAS,  the board of  directors  of APP approved the issuance of such
shares of stock to WAM by resolution dated October 28, 1998;

         WHEREAS,  the  parties  hereto  desire  to  memoralize  the  terms  and
provisions for such issuance of shares of common stock of APP.

         NOW, THEREFORE,  for and in consideration of the covenants and promises
set forth below, the parties agree as follows:

         1. WAM agrees to accept the  issuance of 795,000  restricted  shares of
common stock of APP in exchange for its 4.9% ownership  interest in APP LLC, and
that such stock certificate issued shall be dated as of October 28, 1998;

<PAGE>

         2.  WAM is  aware  that  the  shares  of  common  stock  are not  being
registered  under the Securities Act of 1933, as amended.  WAM understands  that
the shares of common  stock are being issued in reliance on the  exemption  from
registration  provided by Section 4(2)  thereunder.  WAM represents and warrants
that:  (a) the shares of common  stock are being  acquired  solely for WAM's own
account,  for investment  purposes only, and not with a view to or in connection
with, any resale, distribution, subdivision or fractionalization thereof and (b)
WAM has 110 agreement or other arrangement,  formal or informal, with any person
to sell,  transfer  or pledge any of the shares of common  stock or which  would
guarantee to WAM any profit, or protect WAM against any loss with respect to the
shares of common stock, and WAM has no plans to enter into any such agreement or
arrangement.  WAM understands  that it may be required to bear the economic risk
of this  investment for an indefinite  period of time because there is currently
no trading  market for the shares of common stock and the shares of common stock
cannot be resold or otherwise  transferred  unless  applicable  state securities
laws  are  complied  with  (which  APP is not  obligated  to do   or  exemptions
therefrom are available.

         3. The  issuance of 795,000  shares of common stock of APP to WAM shall
be valued at $0.001 for an  aggregate  valuation  of  $795.00 as of October  28,
1998.

         4. The terms and  provisions of the Service  Agreement  shall remain in
full force and effect.

         IN WlTNESS  WHEREOF,  the parties have executed this  Amendment on the
dates indicated below to be effective as of the date first above written.

                                           ACCIDENT PREVENTION PLUS, INC.,
                                           A Nevada corporation

Date: 1/07/00                              By: /s/ Steven H. Wahrman
                                               ------------------------
                                               Steven H. Wahrman

                                           WORLD ASSET MANAGEMENT, INC.
                                           A _____ corporation

Date:1/13/00                               By: /s/ Roy Allcock
                                               -------------------------
                                               Roy AllcockINDEPENDENT CONTRACTOR'S
                        INSTALLATION & SERVICE AGREEMENT

This Independent  Contractor's Agreement ("Agreement") is made this eleventh day
of April, 1997, by and between:

Accident  Prevention  Plus,  LLC,  ("APP") whose primary address is 700 Veterans
Memorial  Highway,  Hauppauge,  New York 11788,  United  States of America,  and
Darien  Partners  Investments,  Inc., an independent  contractor  ("Contractor")
whose primary  address is SBN-BHD #15 Jalan,  TP7/7,  Sime UEP Industrial  Park,
East Shashah, Alam, Selancor, Malaysia. The Contractor will purchase 4.9% equity
in APP for US$2,500 as well as the  consideration of the mutual  conditions made
herein, as follows:

                                   Article 1.
                                Term of Agreement

This  Agreement  will become  effective on April 11, 1997,  and will continue in
effect according to the terms and conditions specified under Article 6 Paragraph
6.1 of this Agreement.

                                   Article 2.
                     Services to be Performed by Contractor

2.1.     Specific Services. Contractor agrees to perform vehicular installations
         and  maintenance  thereafter,  for the APP family of products that have
         been  mutually  agreed to as  described  in the  "Installation  Manual"
         provided by APP.

         Contractor agrees to perform the services specified in the `Description
         of Services"  attached to this Agreement as Exhibit A and  incorporated
         herein by this reference.

2.2.     Method  of   Performing   Services.   Contractor   will  abide  by  all
         installation and maintenance  procedures outlined in APP's Installation
         Manual".  Contractor  will also offer  expertise as to the best method,
         details, and means of performing the above-described services.

2.3.     Employment of Assistants.  Contractor may, at Contractor's  own expense
         and with  subsequent  written  approval from APP, employ or subcontract
         additional  employees or  companies as deemed  necessary to perform the
         services required by the terms and conditions of this Agreement.

                                                                              1
<PAGE>

                                   Article 3.
                                  Compensation

3.1.     Per Diem Compensation.

         See Exhibit B.

3.2.     Date for Payment of  Compensation.  For  services  rendered  under this
         Agreement,  APP agrees to pay  Contractor  the sum set forth in Section
         3.1 of this Agreement upon an itemized completion of work report with a
         daily signed  verification  from the end user that the installation has
         been performed in a satisfactory manner.

                                   Article 4.
                            Obligations of Contractor

4.1.     Minimum  Amount of  Service.  Contractor  agrees to devote as much time
         that is  required  for the  performance  and timely  completion  of the
         above-described  services.  Contractor may represent,  perform services
         for, and be employed by such additional clients,  persons, or companies
         as Contractor, in Contractor's sole discretion,  sees fit provided that
         the nature of the business does not conflict with that of APP.

4.2.     Hours During  Which  Services May be  Performed.  Contractor  agrees to
         perform the above-described  services at mutually acceptable  locations
         during mutually  agreeably hours which could also include  evenings and
         weekends.

4.3.     Tools and  Instrumentation.  Installation Kits will be purchased by the
         End User from APP for the installation.  Contractor will be required to
         utilize   these  kits  and  will  supply  all   additional   tools  and
         instrumentation required to perform all services under this Agreement.

4.4.     Worker's   Compensation.   Contractor   agrees  to   provide   worker's
         compensation insurance for Contractor's employees and agents and agrees
         to hold harmless and indemnity APP from any and all claims  arising out
         of any injury,  disability,  or death of any contractor's  employees or
         agents.  In the event of any  malfunction  of systems  under Article 2,
         Contractor  will hold APP harmless from any claims from end user due to
         faulty installations or erroneous maintenance work.

4.5.     Assignment.  Neither this Agreement nor any duties or obligations under
         this  Agreement  may be assigned by contractor  without the  subsequent
         written consent of APP.

                                                                            2
<PAGE>

                                   Article 5.
                                Obligation of APP

5.1.     Cooperation of APP. APP agrees to comply with all  reasonable  requests
         of Contractor necessary to the performance of Contractor's duties under
         this Agreement.

5.2.     Furnished  Materials.  APP agrees to provide  installation  manuals and
         initial  instruction.  Manuals  will be provided in native  language if
         necessary.  If not, English,  French or Spanish will prevail.  Periodic
         training  seminars  will also take  place at  various  locations  to be
         announced.   A  toll-free  24  hour  technical  hotline  will  also  be
         available.

5.3.     APP's  limited  warranty for all supplied  components  and materials to
         Contractor will apply for a period of one year.

                                   Article 6.
                            Termination of Agreement

6.1.     Termination Upon Notice.  Notwithstanding  any other provisions of this
         Agreement, either party hereto may terminate this Agreement at any time
         by giving  ninety (90) days written  notice to the other party.  Unless
         otherwise  terminated as provided herein, this Agreement shall continue
         in force  until the  services  provided  for herein have been fully and
         completely performed.  In the event that Contractor terminates service,
         obligations  do exist from  Contractor  to perform  service work within
         seven (7) calendar days on previously  installed  systems that have not
         exceeded the Contractor's ninety (90) day installation  warranty.  This
         will be free of all charges.

6.2.     Termination  on  Occurrence  of Stated  Events.  This  Agreement  shall
         terminate   automatically  on  the  occurrence  of  (l)  bankruptcy  or
         insolvency of either  party;  (2) sale of the business of either party;
         or (3) assignment of this Agreement by either party without the express
         written consent of the other party.

6.3.     Termination by APP for Default of Contractor. Should Contractor default
         in the  performance of this  Agreement or materially  breach any of its
         provisions,  APP, at APP's  option,  may  terminate  this  Agreement by
         giving fourteen (14) days written  notification to Contractor.  For the
         purpose of this  paragraph,  material  breach of this  Agreement  shall
         include,  but not limited to, untimely  completion of installation  per
         schedule, poor workmanship, and non flexible working hours.

6.4.     Termination by Contractor for Default of APP. Should APP default in the
         performance  of  this  Agreement  or  materially   breach  any  of  its
         provisions,  Contractor,  at  Contractor's  option,  may terminate this
         Agreement by giving fourteen (14) days written notification to APP. For

                                                                           3
<PAGE>

         the purpose of this paragraph,  material breach of this Agreement shall
         include inability to provide installation manuals and support.

6.5.     Termination for Failure to Make Agreed-Upon  Payments.  Should APP fail
         to pay  Contractor  all or any part of the  compensation  set  forth in
         Paragraphs 3.1 and 3.2 of this  Agreement on the due date,  Contractor,
         at Contractor's  option, may terminate this Agreement if the failure is
         not  remedies by APP within  thirty (30) days from the date  payment is
         due.

                                    Article 7
                               General Provisions

7.1.     Contractor will not at any time, in any form or manner, either directly
         or indirectly  divulge,  written or verbal,  disclose or communicate to
         any  person,  firm,  or  corporation  any  information  relating to the
         business  of  APP  as  all   information   concerning  APP  are  deemed
         "Proprietary".

7.2.     This  agreement  shall be  enforced  under the laws of the State of New
         York, United States of America.

/s/ Steven H. Wahrman                    /s/ Limin Kamaruddin
-----------------------                 -------------------------
Signature - Date                        Darien Partners Invest., Inc. - Date
Steve Wahrman - President               Limin Kamaruddin - Managing
Dir.

                                                                           4
<PAGE>

                                    Exhibit A
                             Description of Services

Contractor will perform all services  pertaining to vehicular  installations  as
outlined:

   I. APP SERIES

         A.       Installation and wiring of all sensors.
         B.       Installation of on board recorder.
         C.       Training.
         D.       Servicing as needed

   II. FIMS

         A.       Installation of the Vehicle Unit
         B.       Configuration of the Vehicle Unit.
         C.       Installation of the Driver Unit.
         D.       Installation of the Tank Inlet Antenna.
         E.       Servicing as needed

                                                                           5
<PAGE>

                                    EXHIBIT B
                              PER DIEM COMPENSATION

Manager Time                                                   US$33.00 per hour
Straight Time Labor                                            US$22.50 per hour

Travel Time                                                        .21 per mile
Consumable & job related items                                 Charge back
Accommodations (if necessary)                                  Prior arrangement

                                                                             6
<PAGE>

                      AMENDMENT TO INDEPENDENT CONTRACTOR'S
                         INSTALLATION SERVICE AGREEMENT

         THIS  AMENDMENT TO  INDEPENDENT  CONTRACTOR' S  INSTALLATION  & SERVICE
AGREEMENT is entered into this 28th day of October, 1998 by and between Accident
Prevention  Plus,  Inc.,  a  Nevada  corporation  ("APP")  and  Darien  Partners
Investments, Inc., a __________ corporation ("Darien").

                                    RECITALS

         WHEREAS,  Darien and Accident Prevention Plus, LLC, a limited liability
company ("APP LLC") had entered into an  Independent  Contractor's  Installation
and Service  Agreement  dated April 11, 997 (the  "Service  Agreement")  whereby
Darien was granted a 4.9% ownership interest in APP LLC in consideration for the
performance of certain duties;

         WHEREAS,  on October 28, 1998,  Accident  Prevention Plus, Inc. ("APP")
was  formed  under the laws of the State of Nevada,  and APP and Darien  entered
into an agreement (the "Exchange  Agreement")  whereby Darien agreed to exchange
either its equity membership  interest or right to equity membership interest in
APP LLC for shares of restricted common stock of APP.

         WHEREAS,  in accordance  with the terms and  provisions of the Exchange
Agreement,  on October  28,  1998,  795,000  shares of common  stock of APP were
issued to Darien to be  commensurate  with a 4.9% ownership  interest in APP LLC
pursuant to the terms and provisions of the Service Agreement: and

WHEREAS the board of  directors  of APP  approved the issuance of such shares of
stock to Darien by resolution dated October 28, 1998;

         WHEREAS,  the  parties  hereto  desire  to  memoralize  the  terms  and
provisions for such issuance of shares of common stock of APP.

         NOW, THEREFORE, for and in consideration of the covenants atid promises
set forth below, the parties agree as follows:

         1. Darien agrees to accept the issuance of 795,000 restricted shares of
common stock of APP in exchange for its 4.9% ownership  interest in APP LLC. and
that such stock certificate issued shall be dated as of October 28, 1998;

<PAGE>

         2.  Darien  is aware  that the  shares  of  common  stock are not being
registered  under the Securities Act of 1933, as amended.  Atlantic  understands
that the shares of common  stock are being  issued in reliance on the  exemption
from  registration  provided by Section 4(2) thereunder.  Darien  represents and
warrants  that:  (a) the shares of common  stock are being  acquired  solely for
Darien's own account, for investment purposes only, and not with a view to or in
connection  with, any resale,  distribution,  subdivision  or  fractionalization
thereof,  and (b)  Darien  has no  agreement  or other  arrangement,  formal  or
informal,  with any  person to sell,  transfer  or pledge  any of the  shares of
common stock or which would  guarantee to Darien any profit,  or protect  Darien
against any loss with respect to the shares of common  stock,  and Darien has no
plans to enter into any such agreement or arrangement.  Darien  understands that
it may be  required  to  bear  the  economic  risk  of  this  investment  for an
indefinite  period of time because there is currently no trading  market for the
shares of  common  stock and the  shares  of  common  stock  cannot be resold or
otherwise  transferred unless applicable state securities laws are complied with
(which APP is not obligated to do) or exemptions therefrom are available.

         3. The  issuance  of  795,000  shares of common  stock of APP to Darien
shall be valued at $0.00 for an aggregate valuation of $795.00 as of October 28,
1998.

         4. The terms and  provisions of the Service  Agreement  shall remain in
full force and effect.

         IN WITNESS  WHEREOF,  the parties have executed  this  Amendment on the
dates indicated below to be effective as of the date first above written.

                                       ACCIDENT PREVENTION PLUS, INC.,
                                       A Nevada corporation

Date: 1/07/00                          By: /s/ Steven H. Wahrman
                                           ---------------------
                                           Steven H. Wahrman

                                       DARIEN PARTNERS INVESTMENTMENTS, INC.
                                       A _____________ corporation

Date: 1/13/00                          By: ???????????????

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