NOTE This note is dated 26 of April 2000. The Company, Pacific International Holding, Inc. has borrowed from Mr. Chan Shui Yuen a sum of $4,000 at an annual interest rate of 10%. This money will be used in the general purpose of the company. Dated...

                                   NOTE


    This note is dated   26    of   April   2000.  The Company, Pacific
International Holding, Inc. has borrowed from Xx. Xxxx Xxxx Xxxx a sum
of $4,000 at an annual interest rate of 10%.  This money will be used
in the general purpose of the company.



Dated  4/26/2000                     Dated     4/26/00


Signed /s/ Xxxxx Xxxx                Signed   /s/ Xxxx Xxxx Xxxx
       -----------------                      ----------------------
       President                              Xxxx Xxxx Xxxx
       Pacific International Holding, Inc.