<PAGE>   1
                                                                   EXHIBIT 10.11


<TABLE>
<S>                                  <C>                        <C>                       <C>
                                                         BORROWER

                                     THIRTEEN LINE, INC.

     FIRSTATE BANK OF COLORADO                                                            VARIABLE RATE COMMERCIAL
        11210 HURON STREET                                                                    PROMISSORY NOTE
       NORTHGLENN, CO 80234                              ADDRESS
          (303) 451-1010
             "LENDER"                3883 RUFFIN RD STE A
                                     SAN DIEGO, CA 92123

                                     TELEPHONE NO.              IDENTIFICATION NO.
                                                                   84-1408682
</TABLE>

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------------------
OFFICER INITIALS    INTEREST RATE      PRINCIPAL        FUNDING         MATURITY         CUSTOMER           LOAN
                                        AMOUNT            DATE            DATE            NUMBER           NUMBER
----------------------------------------------------------------------------------------------------------------------
<S>                 <C>              <C>                <C>             <C>              <C>             <C>
       GP             VARIABLE       $1,003,599.59      06/24/99        07/03/04                         05-0171021
----------------------------------------------------------------------------------------------------------------------
</TABLE>

                                 PROMISE TO PAY

For value received, Borrower promises to pay to the order of Lender indicated
above the principal amount of ONE MILLION THREE THOUSAND FIVE HUNDRED
NINETY-NINE AND 59/100 dollars ($1,003,599.59) plus interest on the unpaid
principal balance at the rate and in the manner described below. All amounts
received by Lender shall be applied first to late payment charges and expenses
then to accrued interest, and then to principal.

INTEREST RATE: This Note has a variable interest rate feature. Interest on the
Note may change from time to time if the Index Rate identified below changes.
Interest shall be computed on the basis of 360 days and the actual number of
days per year. Interest on this Note shall be calculated at a variable rate
equal to ONE AND 750/1000 percent (1.750%) per annum over the Index Rate. The
initial Index Rate is SEVEN AND 750/100 percent (7.750%) per annum. Therefore,
the initial interest rate on this Note shall be NINE AND 500/1000 (9.500 %) per
annum. Any change in the interest rate resulting from a change in the Index Rate
will be effective on THE ANNIVERSARY DATE OF NOTE, ADJUSTING EVER YEAR BEGINNING
JUNE 24, 2000.

INDEX RATE: The Index Rate for this Note shall be: PRIME RATE AS PUBLISHED IN
THE WALL STREET JOURNAL

MINIMUM RATE/MAXIMUM RATE: The minimum interest rate on this Note shall be n/a
percent (n/a%) per annum. The maximum interest rate on this Note shall not
exceed TWENTY-ONE AND NO/100 percent (21.000%) per annum or the maximum interest
rate Lender is permitted to charge by law, whichever is less.

DEFAULT RATE: In the event of any default under this Note, the Lender may in its
discretion, determine that all amounts owed to Lender shall bear interest at the
lesser of: EIGHTEEN PERCENT (18.000%) or the maximum interest rate Lender is
permitted to charge by law.

PAYMENT SCHEDULE: Borrower shall pay the principal and interest according to the
following schedule:

         59 PAYMENTS OF $9,470.64 BEGINNING AUGUST 3, 1999 AND CONTINUING AT
         MONTHLY TIME INTERVALS THEREAFTER. A FINAL PAYMENT OF THE UNPAID
         PRINCIPAL BALANCE PLUS ACCRUED INTEREST IS DUE AND PAYABLE ON JULY 3,
         2004. IF THE INTEREST RATE CHANGES, THE PAYMENT AMOUNTS MAY CHANGE IN
         AN AMOUNT SUFFICIENT TO REPAY THE UNPAID PRINCIPAL OVER THE SCHEDULED
         AMORTIZATION TERM. NEW PAYMENTS BEGIN WITH THE FIRST PAYMENT AFTER THE
         INTEREST RATE CHANGES.

All payments will be made to Lender at its address described above and in lawful
currency of the United States of America.

RENEWAL: If checked, [X] this Note is a renewal of Loan Number 05-160906

<PAGE>   2


SECURITY: To secure the payment and performance of obligations incurred under
this Note, Borrower grants Lender a security interest in, and pledges and
assigns to Lender all of Borrower's rights, title, and interest, in all monies,
instruments, savings, checking and other deposit accounts of Borrower's,
(excluding IRA, Keogh and trust accounts and deposits subject to tax penalties
if so assigned) that are now or in the future in Lender's custody or control.
Upon default, and to the extent permitted by applicable law, Lender may exercise
its security interest in all such property which shall be in addition to
Lender's common law right of setoff. [X] If checked, the obligations under this
Note are also secured by a lien and/or security interest in the property
described in the documents executed in connection with this Note as well as any
other property designated as security now or in the future.

PREPAYMENT: This Note may be prepaid in part or in full on or before its
maturity date. If this Note contains more than one installment, all prepayments
will be credited as determined by Lender and as permitted by law. If this Note
is prepaid in full, there will be [X] No minimum finance charge or prepayment
penalty. [ ] A minimum finance charge of $___________. [ ] A prepayment penalty
of ________% of the principal prepaid.

LATE PAYMENT CHARGE: If a payment is received more than 10 days late, Borrower
will be charged a late payment charge of 15.00 or 5.000% of the payment amount,
whichever is [ ] greater [X] less, as permitted by law.

--------------------------------------------------------------------------------

BORROWER ACKNOWLEDGES THAT BORROWER HAS READ, UNDERSTANDS, AND AGREES TO THE
TERMS AND CONDITIONS OF THIS NOTE INCLUDING THE PROVISIONS ON THE REVERSE SIDE.
BORROWER ACKNOWLEDGES RECEIPT OF AN EXACT COPY OF THIS NOTE.

NOTE DATE: JUNE 24, 1999

BORROWER: THIRTEEN LINE, INC.           BORROWER:


  /s/ Charles Crosse
------------------------------------    ------------------------------------
CHARLES CROSSE
SENIOR VICE PRESIDENT


BORROWER:                               BORROWER:


------------------------------------    ------------------------------------


BORROWER:                               BORROWER:


------------------------------------    ------------------------------------


BORROWER: THIRTEEN LINE, INC.           BORROWER:


------------------------------------    ------------------------------------


<PAGE>   3


                              TERMS AND CONDITIONS

1. DEFAULT: Borrower will be in default under this Note in the event that
Borrower or any guarantor.

         (a)      falls to make any payment on this Note or any other
                  indebtedness to under when due,

         (b)      fails to perform any obligation or breaches any warranty or
                  covenant to Lender contained in this Note or any other present
                  or future written agreement regarding this of any indebtedness
                  of Borrower to Lender;

         (c)      provides or causes any false or misleading signature or
                  representation to be provided to Lender;

         (d)      allows the collateral securing this Note (if any) to be lost,
                  stolen, destroyed, damaged in any material respect, or
                  subjected to seizure or confiscation;

         (e)      permits the entry or service of any garnishment, judgment, tax
                  levy, attachment or lien against Borrower, any guarantor, or
                  any of their property,

         (f)      dies, becomes legally incompetent, is dissolved or terminated,
                  ceases to operate its business, becomes insolvent, makes an
                  assignment for the benefit of creditors, or becomes the
                  subject of any bankruptcy, insolvency or debtor rehabilitation
                  proceeding; or

         (g)      causes Lender to deem itself insecure for any reason, or
                  Lender, for any reason, in good faith deems itself insecure.

2. RIGHTS OF LENDER ON DEFAULT: If there is a default under this Note, Lender
will be entitled to exercise one or more of the following remedies without
notice or demand (except as required by law):

         (a)      to declare the principal amount plus accrued interest under
                  this Note and all other present and future obligations of
                  Borrower immediately due and payable in full;

         (b)      to collect the outstanding obligations of Borrower with or
                  without resorting to judicial process;

         (c)      to take possession of any collateral in any manner permitted
                  by law;

         (d)      to require Borrower to deliver and make available to Lender
                  any collateral at a place reasonably convenient to Borrower
                  and Lender;

         (e)      to sell, lease or otherwise dispose of any collateral and
                  collect any deficiency balance with or without resorting to
                  legal process;

         (f)      to setoff Borrower's obligations against any amounts due to
                  Borrower including, but not limited to monies, instruments,
                  and deposit accounts maintained with Lender; and

         (g)      to exercise all other rights available to Lender under any
                  other written agreement or applicable law.

Lender's rights are cumulative and may be exercised together, separately, and in
any order. Lender's remedies under this paragraph are in addition to those
available at common law, such as the right of set-off.

3. DEMAND FEATURE-. If this Note contains a demand feature, then notwithstanding
anything to the contrary contained in this Note, Lender's rights with respect to
the events of default identified above shall not be limited, restricted,
impaired or otherwise adversely affected by the demand feature of this Note.
Lender's right to demand payment, at any time, and from time to time, shall be
in Lender's sole and absolute discretion, whether or not any default has
occurred.

4. FINANCIAL INFORMATION: Borrower will provide Lander with current financial
statements and other financial information including, but not limited to,
balance sheets and profit and loss statements) upon request,

5. MODIFICATION AND WAVER: The modification or waiver of any of Borrower's
obligations or Lender's rights under this Note must be contained in a writing
signed by Lender. Lender may perform any of Borrower's obligations or delay or
fail to exercise any of its rights without causing a waiver of those obligations
or rights. A waiver on one occasion will not constitute a waiver an any other
occasion. Borrower's obligations under this Note shall not be affected if Lender
amends, compromises, exchanges, fails to exercise, impairs or releases any of
the obligations belonging to any co-borrower or guarantor or any of its rights
against any co-borrower, guarantor or collateral.

<PAGE>   4


6. SEVERABILITY AND INTEREST LIMITATION: If any provision of this Note violates
the law or is unenforceable, the rest of the Note will remain valid.
Notwithstanding anything contained in this Note to the contrary, in no event
shall interest accrue under this Note, before or after maturity, at a rate in
excess of the highest rate permitted by applicable law, and if interest
(including any charge or fee held to be interest by a court of competent
jurisdiction) in excess thereof be paid, any excess shall constitute a payment
at, and be applied to, the principal balance hereof, and if the principal
balance has been fully paid, then such interest shall be repaid to the Borrower.

7. ASSIGNMENT: Borrower will not be entitled to assign any of its rights,
remedies or obligations described in this Note without the prior written consent
of Lender which may be withheld by Lender in its sole discretion. Lender will be
entitled to assign some or all of its rights and remedies described in this Note
without notice to or the prior consent of Borrower in any manner.

8. NOTICE: My notice or other communication to be provided to Borrower or Lender
under this Note shall be in writing and sent to the parties at the addresses
described in this Note or such other address as the parties may designate in
writing from time to time.

9. APPLICABLE LAW: This Note shall be governed by the laws of the state
indicated in Lender's address. Borrower consents to the jurisdiction and venue
of any court located in the state indicated in Lender's address. In the event of
any legal proceeding pertaining to the negotiation, execution, performance or
enforcement of any term or condition contained in this Note or any related loan
document and agrees not to commence or seek to remove such legal proceeding in
or to a different court.

10. COLLECTION COSTS: If Lender hires an attorney to assist in collecting any
amount due or enforcing any right or remedy under this Note, Borrower agrees to
pay Lender's attorney's fees, to the extent permitted by applicable law, and
collection costs.

11. MISCELLANEOUS: This Note is being executed for commercial/agricultural
purposes. Borrower and Lender agree that time is of the essence. Borrower waives
presentment, demand for payment, notice of dishonor and protest. Borrower hereby
waives any right to trial by jury in any civil action arising out of, or based
upon, this Note or the collateral securing this Note. If Lender obtains a
judgment for any amount due under this Note, interest will accrue on the
judgment at the Default Rate described in this Note. All references to Borrower
in this Note shall include all of the parties signing this Note. If there is
more than one Borrower, their obligations will be joint and several. This Note
and any related documents represent the complete and integrated understanding
between Borrower and Lender pertaining to the terms and conditions of those
documents.

12. ADDITIONAL TERMS:


<PAGE>   5


FIRSTATE BANK OF COLORADO
11210 HURON STREET
NORTHGLENN, CO 80234
(303) 451-1010
"LENDER"

                              COMMERCIAL CONTINUING
                                    GUARANTY


<TABLE>
<S>                    <C>                  <C>                     <C>
GUARANTOR                                   BORROWER

DAVID ALTOMARE                              THIRTEEN LINE, INC.


ADDRESS                                     ADDRESS

3883 RUFFIN RD, STE A                       3883 RUFFIN RD, STE A
SAN DIEGO, CA 92123                         SAN DIEGO, CA 92123

TELEPHONE NO.          IDENTIFICATION NO.   TELEPHONE NO.           IDENTIFICATION NO.
                          ###-##-####                                  84-1408682
</TABLE>

1. CONSIDERATION. This Guaranty is being executed to induce Lender indicated
above to enter into one or more loans or other financial accommodations with or
on behalf of Borrower.

2. GUARANTY. Guarantor hereby unconditionally guarantees the prompt and full
payment and performance of Borrower's present and future, joint and/or several,
direct and indirect, absolute and contingent, express and implied, indebtedness,
liabilities, obligations and covenants (cumulatively "Obligations") to Lender as
follows:

[X]      UNLIMITED: Guarantor's Obligations under this Guaranty shall be
         unlimited and shall include all present or future Obligations between
         Borrower and Lender (whether executed for the same or different
         purposes than the foregoing), together with all interest and all of
         Lender's expenses and costs, incurred in connection with the
         Obligations, including any amendments, extensions, modifications,
         renewals, replacements or substitutions thereto.

[ ]      LIMITED: Guarantor's Obligations under this Guaranty shall include all
         present or future written agreements between Borrower and Lender
         (whether executed for the same or different purposes), but shall be
         limited to the principal amount of ____________________________________
         ____________________ Dollars, together with all interest and all of
         Lender's expenses and costs, incurred in connection with the
         Obligations, including any amendments, extensions, modifications,
         renewals, replacements or substitutions thereto.

[ ]      LIMITED TO THE FOLLOWING DESCRIBED NOTES/AGREEMENTS: Guarantor's
         Obligations under this Guaranty shall be limited to the following
         described promissory notes and agreements between Borrower and Lender,
         together with all interest and all of Lender's expenses and costs,
         incurred in connection with the Obligations, including any amendments,
         extensions, modifications, renewals, replacements or substitutions
         thereto:

<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------------------
   INTEREST       PRINCIPAL AMOUNT/       FUNDING/        MATURITY         CUSTOMER             LOAN
     RATE           CREDIT LIMIT       AGREEMENT DATE       DATE            NUMBER             NUMBER
---------------------------------------------------------------------------------------------------------
<S>               <C>                  <C>                <C>              <C>                 <C>


---------------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>   6


         3. ABSOLUTE AND CONTINUING NATURE OF GUARANTY. Guarantor's obligations
under this Guaranty are absolute and continuing and shall not be affected or
impaired if Lender amends, renews, extends, compromises, exchanges, fails to
exercise, impairs or releases any of the obligations belonging to any Borrower,
Co-guarantor or third party or any of Lender's rights against any Borrower,
Co-guarantor, third party, or collateral, In addition, Guarantor's Obligations
under this Guaranty shall not be affected or impaired by the death,
incompetency, termination, dissolution, insolvency, business cessation, or other
financial deterioration of any Borrower, Guarantor, or third party.

         4. DIRECT AND UNCONDITIONAL NATURE OF GUARANTY. Guarantor's Obligations
under this Guaranty are direct and unconditional and may be enforced without
requiring Lender to exercise, enforce, or exhaust any right or remedy against
any Borrower, Co-guarantor, third party, or collateral.

         5. WAIVER OF NOTICE. Guarantor hereby waives notice of the acceptance
of this Guaranty; notice of present and future extensions of credit and other
financial accommodations by Lender to any Borrower; notice of presentment for
payment, demand, protest, dishonor, default, and nonpayment pertaining to the
Obligations and this Guaranty and all other notices and demands pertaining to
the Obligations and this Guaranty as permitted by law.

--------------------------------------------------------------------------------

GUARANTOR ACKNOWLEDGES GUARANTOR HAS READ, UNDERSTANDS, AND AGREES TO THE TERMS
AND CONDITIONS OF THIS AGREEMENT INCLUDING THE TERMS AND CONDITIONS ON THE
REVERSE SIDE. GUARANTOR HAS EXECUTED THIS AGREEMENT WITH THE INTENT TO BE
LEGALLY BOUND. GUARANTOR ACKNOWLEDGES RECEIPT OF AN EXACT COPY OF THIS
AGREEMENT.

DATED: JUNE 24, 1999

GUARANTOR: DAVID ALTOMARE               GUARANTOR:


/s/ DAVID ALTOMARE
-------------------------------------   -------------------------------------
DAVID ALTOMARE


GUARANTOR:                              GUARANTOR.


-------------------------------------   -------------------------------------


<PAGE>   7


         6. DEFAULT. Guarantor shall be in default of this Guaranty in the event
that any Borrower or Guarantor:

         (a)      fails to pay any amount under this Guaranty or any other
                  Indebtedness to Lender when due (whether such amount is due by
                  acceleration or otherwise),

         (b)      fails to perform any obligation or breaches any warranty or
                  covenant to Lender contained in this Guaranty or any other
                  present or future written agreement;

         (c)      provides or causes any false or misleading signature or
                  representation to be provided to Lender;

         (d)      allows any collateral for the Obligations or this Guaranty to
                  be destroyed, lost or stolen, or damaged in any material
                  respect;

         (e)      permits the entry or service of any garnishment, judgment, tax
                  levy, attachment or lien against Borrower, Guarantor, or any
                  of their property;

         (f)      dies, becomes legally incompetent, is dissolved or terminated,
                  ceases to operate its business, becomes insolvent, makes an
                  assignment for the benefit of creditors, or becomes the
                  subject of any bankruptcy, insolvency or debtor rehabilitation
                  proceeding; or

         (g)      causes Lender to deem itself insecure in good faith for any
                  reason.

         7. RIGHTS OF LENDER ON DEFAULT. If there is a default under this
Guaranty, Lender shall be entitled to exercise one or more of the following
remedies without notice or demand (except as required by law).

         (a)      to declare Guarantor's Obligations under this Guaranty
                  immediately due and payable in full;

         (b)      to collect the outstanding obligations under this Guaranty
                  with or without resorting to judicial process;

         (c)      to set-off Guarantor's Obligations under this Guaranty against
                  any amounts due to Guarantor including, but not limited to,
                  monies, instruments, and deposit accounts maintained with
                  Lender; and

         (d)      to exercise all other rights available to Lender under any
                  other written agreement or applicable law. Lender's rights are
                  cumulative and may be exercised together, separately, and in
                  any order.

         8. SUBORDINATION. The payment of any present or future indebtedness of
Borrower to Guarantor will be postponed and subordinated to the payment in full
of any present or future indebtedness of Borrower to Lender during the term of
this Agreement. In the event that Guarantor receives any monies, instruments or
other remittances to be applied against Borrower's obligations to Guarantor,
Guarantor will hold these funds in trust for Lender and immediately endorse or
assign (if necessary) and deliver these monies, instruments and other
remittances to Lender. Guarantor agrees that Lender shall be preferred to
Guarantor in any assignment for the benefit of Borrower's creditors in any
bankruptcy, insolvency, liquidation, or reorganization proceeding commenced by
or against Borrower in any federal or state court.

         9. INDEPENDENT INVESTIGATION. Guarantor's execution and delivery to
Lender of this Guaranty is based solely upon Guarantor's independent
investigation of Borrower's financial condition and not upon any written or oral
representation of Lender in any manner. Guarantor assumes full responsibility
for obtaining any additional information regarding Borrower's financial
condition and Lender shall not be required to furnish Guarantor with any
information of any kind regarding Borrower's financial condition.

         10. ACCEPTANCE OF RISKS. Guarantor acknowledges the absolute and
continuing nature of this Guaranty and voluntarily accepts the full range of
risks associated herewith including, but not limited to, the risk that
Borrower's financial condition shall deteriorate or, if this Guaranty is
unlimited, the risk that Borrower shall incur additional Obligations to Lender
in the future.

         11. SUBROGATION. Guarantor, after performing under this Guaranty, shall
not be subrogated to any of Lender's rights against any Borrower which presently
is or may become the subject of any bankruptcy proceedings. Under these
circumstances, Guarantor specifically waives any rights and claims as a creditor
of such Borrower's bankruptcy estate. Other than as mentioned above, Guarantor,
after fully performing under this Guaranty, will be subrogated to any of
Lender's rights against any Borrower any other guarantor, any third party or any
collateral which may secure the obligations of any of these parties.

<PAGE>   8


         12. APPLICATION OF PAYMENTS. Lender will be entitled to apply any
payments or other monies received from Borrower, any third party, or any
collateral against Borrower's present and future obligations to Lender in any
order.

         13. ESSENCE OF TIME. Guarantor and Lender agree that time is of the
essence.

         14. TERMINATION. This Guaranty shall remain in full force and effect
until Lender executes and delivers to Guarantor a written release thereof.
Notwithstanding the foregoing, Guarantor shall be entitled to terminate any
unlimited guaranty of Borrower's future Obligations to Lender following any
anniversary of this Guaranty by providing Lender with sixty (60) or more days'
written notice of such termination by hand-delivery or certified mail. Notice
shall be deemed given when received by Lender. Such notice of termination shall
not affect or impair any of the agreements and obligations of the Guarantor
under this Agreement with respect to any of the obligations existing prior to
the time of actual receipt of such notice by Lender, any extensions or renewals
thereof, and any interest on any of the foregoing.

         15. ASSIGNMENT. Guarantor shall not be entitled to assign any of its
rights or obligations described in this Guaranty without Lender's prior written
consent which may be withheld by Lender in its sole discretion. Lender shall be
entitled to assign some or all of its rights and remedies described in this
Guaranty without notice to or the prior consent of Guarantor in any manner.
Unless the Lender shall otherwise consent in writing, the Lender shall have an
unimpaired right prior and superior to that of any assignee, to enforce this
Guaranty for the benefit of the Lender, as to those Obligations that the Lender
has not assigned.

         16. MODIFICATION AND WAIVER. The modification or waiver of any of
Guarantor's obligations or Lender's rights under this Guaranty must be contained
in a writing signed by Lender. Lender may delay in exercising or fail to
exercise any of its rights without causing a waiver of those rights. A waiver on
one occasion shall not constitute a waiver on any other occasion.

         17. SUCCESSORS AND ASSIGNS. This Guaranty shall be binding upon and
inure to the benefit of Guarantor and lender and their respective successors,
assigns, trustees, receivers, administrators, personal representatives,
legatees, and devisees.

         18. NOTICE. Any notice or other communication to be provided under this
Guaranty shall be in writing and sent to the parties at the addresses described
in this Guaranty or such other addresses as the parties may designate in writing
from time to time.

         19. SEVERABILITY. If any provision of this Guaranty violates the law or
is unenforceable, the rest of the Guaranty shall remain valid.

         20. APPLICABLE LAW. This Guaranty shall be governed by the laws of the
state indicated in Lender's address. Guarantor consents to the jurisdiction and
venue of any court located in such state in the event of any legal proceeding
under this Guaranty.

         21. COLLECTION COSTS. If Lender hires an attorney to assist in
collecting any amount due or enforcing any right or remedy under this Guaranty,
Guarantor agrees to pay Lender's attorneys' fees, legal expenses and other costs
as permitted by law.

         22. REPRESENTATIONS OF GUARANTOR. Guarantor acknowledges receipt of
reasonably equivalent value in consideration for the execution of this Guaranty
and represents that, after giving effect to this Guaranty, the fair market value
of Guarantor's assets exceeds Guarantor's total liabilities, including
contingent, subordinate and unliquidated liabilities, that Guarantor has
sufficient cash flow to meet debts as they mature, and that Guarantor does not
have unreasonably small capital.

         23. WAIVER OF JURY TRIAL. LENDER AND GUARANTOR KNOWINGLY, VOLUNTARILY
AND INTENTIONALLY WAIVE THE RIGHT EITHER MAY HAVE TO A TRIAL BY JURY IN RESPECT
TO ANY LITIGATION BASED ON, OR ARISING OUT OF, UNDER OR IN CONJUNCTION WITH THE
PROMISSORY NOTE, THIS AGREEMENT AND ANY OTHER

<PAGE>   9


AGREEMENT CONTEMPLATED TO BE EXECUTED IN CONJUNCTION HEREWITH, OR ANY COURSE OF
CONDUCT, COURSE OF DEALING, STATEMENTS (WHETHER VERBAL OR WRITTEN) OR ACTIONS OF
EITHER PARTY. THIS PROVISION IS A MATERIAL INDUCEMENT FOR LENDER MAKING THE LOAN
EVIDENCED BY THE PROMISSORY NOTE.

         24. MISCELLANEOUS. This Guaranty is executed in connection with a
commercial loan. Guarantor will provide Lender with a current financial
statement upon request. All references to Guarantor in this Guaranty shall
include all entities or persons signing this Guaranty, If there is more than one
Guarantor, their obligations shall be joint and several. This Guaranty and any
related documents represent the complete and integrated understanding between
Guarantor and Lender pertaining to the terms and conditions of those documents.

         25. ADDITIONAL TERMS.