0001093094-99-000019 Sample Contracts

AGREEMENT ---------
Acquisition Agreement • November 12th, 1999 • American Fire Retardant Corp • Miscellaneous chemical products • Wyoming
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AGREEMENT --------------------------------------------------------------------- -----------
Loan Agreement • November 12th, 1999 • American Fire Retardant Corp • Miscellaneous chemical products
RECITALS --------
Amendment to Agreement • November 12th, 1999 • American Fire Retardant Corp • Miscellaneous chemical products • California
Exhibit 10.2 ------------
Royalty Agreement • November 12th, 1999 • American Fire Retardant Corp • Miscellaneous chemical products

As per our conversation this date, American Fire Retardant Corporation hereby agrees to pay Norman 0. Houser the sum of $0.75 per gallon in royalties on the sale of our Fybefix 200OV. Said royalty is being paid in recognition of services. Said royalties to be paid at the beginning of the month, immediately following American Fire Retardant Corporation's receipt of payment of the invoice.

AGREEMENT TO PROVIDE INSURANCE
Agreement to Provide Insurance • November 12th, 1999 • American Fire Retardant Corp • Miscellaneous chemical products

References in the shaded area are for Lender's use only and do not limit the applicability of this document to any particular loan or Item. -------------------------------------------------------------------------------

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