Exhibit 10.4

SECOND AMENDMENT TO THE
OPERATING AND SERVICES AGREEMENT

         THIS SECOND AMENDMENT (“Second Amendment”) to the OPERATING AND
SERVICES AGREEMENT (the “Original Agreement”), is made as of this 1st day of
January 2002, by and between Riggs Bank N.A. (“Riggs”), and RCP Investments,
L.P. (“Investment Company I”) and RCP Investments II, LLC (“Investment Company
II). Riggs, Investment Company I and Investment Company II are herein
collectively referred to as the “parties.”

RECITALS

A.   The parties entered into the First Amendment (the “First Amendment”) to the
Original Agreement as of December 1, 2000.   B.   The Parties wish to further
amend the Original Agreement to replace Investment Company I and Investment
Company II as the management companies for Riggs Capital Partners, LLC (“Fund
I”) and Riggs Capital Partners II, LLC (“Fund II”) with a new management company
named RCP Ventures Management Inc., which will provide the services presently
provided by Investment Company I and Investment Company II.   C.   RCP Ventures
Management Inc. has executed an Agreement of Joinder of even date herewith
whereby RCP Ventures Management Inc. has acknowledged and agreed to be bound by
the terms of the Original Agreement and the First Amendment thereto.

         NOW, THEREFORE, Riggs, Investment Company I and Investment Company II,
in consideration of the foregoing and the covenants and agreements hereinafter
set forth, do hereby agree as follows:

1.   The definition of “Management Company” in the preamble to the Original
Agreement is hereby revised by removing “RCP Investments, L.P.” and “RCP
Investments II, LLC” and inserting in their place “RCP Ventures Management Inc.”
  2.   . Except as specifically provided herein, the Original Agreement and the
First Amendment shall remain in full force and effect. This Second Amendment may
be executed in any number of counterparts, all of which shall constitute a
single instrument. This Second Amendment shall be binding upon and inure to the
benefit of the parties hereto and their respective heirs, successors and
assigns.

(Signatures are on next page.)

 

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          RIGGS BANK N.A.   RCP INVESTMENTS, L.P.           By: /s/ Steven
Tamburo

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Steven Tamburo
Chief Financial Officer   By:   /s/ J. Carter Beese, Jr.

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J. Carter Beese, Jr.
General Partner               RCP INVESTMENTS II, LLC               By:   /s/ J.
Carter Beese, Jr.        

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        J. Carter Beese, Jr.,
Managing Director

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JOINDER TO
THE OPERATING AND SERVICES AGREEMENT OF
RIGGS CAPITAL PARTNERS, LLC
AND
RIGGS CAPITAL PARTNERS II, LLC

         Concurrently with the execution of the Second Amendment to the
Operating and Services Agreement (the “Services Agreement”) of Riggs Capital
Partners, LLC and Riggs Capital Partners II, LLC, RCP Ventures Management Inc.
has executed this Joinder thereto.

WITNESSTH

         WHEREAS, RCP Ventures Management Inc. was formed to provide certain
investment and management services to Riggs Capital Partners, LLC (“Fund I”) and
Riggs Capital Partners II, LLC (“Fund II”) in exchange for equitable
compensation;

         WHEREAS, the above mentioned investment and management services have
been provided prior to the execution of this Joinder to Fund I by RCP
Investments, LLC (“Investments I”) and Fund II by RCP Investments II, LLC
(“Investments II”);

         WHEREAS, the members of Fund I, being Riggs National Corporation and
Investments I, who are the parties to the Operating Agreement dated as of
November 30, 1999, the First Amendment thereto dated December 1, 2000 and the
Second Amendment thereto dated March 31, 2001, have concurrently with the
execution of this Joinder, executed the Third Amendment to the Operating
Agreement, which designated RCP Ventures Management Inc. as the Investment
Advisor (as that term is defined in such agreement) to Fund I;

         WHEREAS, the members of Fund II, being Riggs National Corporation and
Investments II, who are the parties to the Operating Agreement dated as of
October 1, 2000, have concurrently with the execution of this Joinder, executed
the First Amendment to the Operating Agreement, which designated RCP Ventures
Management Inc. as the Investment Advisor (as that term is defined in such
agreement) to Fund II;

         WHEREAS, Fund I and Investments I, who are the parties to the
Investment and Management Agreement dated as of December 1, 2000, have
concurrently herewith executed the First Amendment to such agreement which
designated RCP Ventures Management Inc. as the Management Company (as that term
is defined in such agreement) for Fund I and concurrently herewith RCP Ventures
Inc. executed a Joinder to such Investment and Management Agreement;

         WHEREAS, Fund II and Investments II, who are the parties to the
Investment and Management Agreement dated as of December 1, 2000, have
concurrently herewith executed the First Amendment to such agreement which
designated RCP Ventures Management Inc. as the Management Company (as that term
is defined in such agreement) for Fund II, and

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concurrently herewith RCP Ventures Management Inc. executed a Joinder to such
Investment and Management Agreement; and

         WHEREAS, Riggs Bank N.A. and Investments I, who are parties to the
Operating and Services Agreement dated as of December 1, 2000, and along with
Investments II are parties to the First Amendment thereto dated as of
December 1, 2000, have all concurrently herewith executed the Second Amendment
to such agreement which designated RCP Ventures Management Inc. as the
Management Company (as that term is defined in such agreement).

         NOW THEREFORE, in consideration of the actions taken that are listed
above and the premises hereinafter set forth:

         The undersigned, RCP Ventures Management Inc., hereby executes this
Joinder and in so doing agrees to be bound by the terms and conditions
applicable to the Management Company (as that term is defined in the Operating
and Services Agreement and the amendments thereto) and shall for such purposes
be deemed a party to the Operating and Services Agreement and the amendments
thereto.

Dated: January 1, 2002

              RCP Ventures Management Inc.               By:   /s/ J. Carter
Beese, Jr.

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J. Carter Beese, Jr.
Chairman & Chief Executive Officer

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