Document:

EXHIBIT 10.117A

                            AMENDMENT NUMBER FIVE TO
                           LOAN AND SECURITY AGREEMENT

      THIS AMENDMENT NUMBER FIVE TO LOAN AND SECURITY AGREEMENT (the "Amendment
No. 5") is entered into as of June 15, 2004 and further amends that certain Loan
and Security Agreement, dated as of February 28, 2001 (as further amended,
revised or amended and restated from time to time, the "Loan Agreement"), by and
between Now Solutions, LLC, a Delaware limited liability company ("Borrower")
and Coast Business Credit, a division of Southern Pacific Bank, a California
corporation ("Coast"). All initially capitalized terms used in this Amendment
No. 5 shall have the meanings ascribed thereto in the Loan Agreement unless
specifically defined herein.

      WHEREAS, WAMCO 31, LTD., a Texas limited partnership ("WAMCO 31"),
purchased from Coast in May of 2003, all of its rights and obligations under the
Loan Agreement, the Secured Term Promissory Note (the "Note") and related Loan
Documents;

      WHEREAS, in January of 2004, WAMCO 31 transferred all of its rights and
obligations under the Loan Agreement, the Note and related Loan Documents to
WAMCO 32, LTD, a Texas limited partnership ("WAMCO 32");

      WHEREAS, on March 15, 2004, Borrower filed a Certificate of Conversion and
an Agreement and Plan of Conversion with the Delaware Secretary of State,
converting Borrower from NOW Solutions, LLC, into NOW Solutions, Inc., a
corporation organized under the laws of the State of Delaware;

      WHEREAS, Borrower has requested, among other things, that the Loan
Agreement and Note be amended to facilitate Borrower's buyout of a minority
party's ownership interest in the Borrower; and

      WHEREAS, Borrower and WAMCO 32 now wish to amend the Loan Agreement
pursuant to the terms and provisions set forth in this Amendment No. 5;

      ACCORDINGLY, for adequate and sufficient consideration, the parties agree
as follows:

1. DEFINITIONS. Unless stated otherwise, (a) each term defined in the Loan
Agreement has the same meaning when used in this Amendment No. 5 and (b) all
references to "Sections" and "Schedules" are references to the Loan Agreement's
sections and schedules.

2. AMENDMENTS. NOW, THEREFORE, in consideration of these premises and other
valuable consideration, the receipt and adequacy of which are hereby
acknowledged, the parties hereto agree, as follows:

            (a) All references in the Loan Agreement and all amendments and
modifications thereto, to Coast Business Credit, are hereby deleted in their
entirety and replaced with WAMCO 32, LTD.

            (b) All references in the Loan Agreement and all amendments and
modifications thereto, to NOW Solutions, LLC, are hereby deleted and replaced
with NOW Solutions, Inc.

            (c) Section 1 of the Loan Agreement is hereby amended by deleting
the definition of "Code" contained therein and inserting the following
definition as follows:
<PAGE>

                  "Code" means the Uniform Commercial Code as adopted and in
effect in the State of Texas from time to time.

            (d) Section 1 of the Loan Agreement is hereby amended by adding the
following definitions, in alphabetical order as appropriate:

                  "Revenue" means the total dollar payment for goods and
services that are credited to an income statement during a fiscal year.

                  "VCS" means Vertical Computer Systems, Inc., the sole
shareholder of Borrower.

            (e) Section 9.1 of the Schedule to the Loan Agreement shall be
amended as follows:

            "Maturity Date" shall mean April 28, 2006, at which time all unpaid
principal and interest will be due and payable, subject to the early termination
provisions of Section 9.2 of the Loan Agreement.

            (f) Section 3.1 of the Schedule to the Loan Agreement shall be
amended and restated as follows:

            "Interest Rate" as of June 30, 2004, is a rate equal nine percent
(9%) per annum, calculated on the basis of a 360-day year for the actual number
of days elapsed.

            (g) Section 3.2 of the Schedule to the Loan Agreement shall be
amended and restated as follows:

                  "Loan Fee" a loan modification fee in the amount of $25,583.65
has been capitalized into the outstanding principal amount of the Loan, and
constitutes a portion of the outstanding principal balance of the Note.

            (h) Section 5.13 of the Schedule to the Loan Agreement shall be
amended to add the following documents and Agreements as Loan Documents:

                           1. Amended and Restated Term Loan Promissory Note
                           ($1,304,766.25) 2. Revenue Interest Agreement by and
                           between Borrower and WAMCO
                                  32
                           3. Subordination Agreement by and between WAMCO 32
                           and Robert Farias 4. Warrant and Registration Rights
                           Agreements by and between WAMCO 32 and VCS

            (i) Section 11.15 is hereby deleted in its entirely and replaced as
follows:

            Governing Law: Jurisdiction; Venue. This Loan Agreement has been
prepared, is being executed and delivered, and is intended to be performed in
the State of Texas and the substantive laws of such state and the applicable
federal laws of the United States of America shall govern the validity,
construction, enforcement, and interpretation of this Loan Agreement and all of
the other Loan Documents. Any suit, action, or proceeding against Borrower with
respect to this Loan Agreement, the Note, or other Loan Documents, or any
judgment entered by any court in respect thereof, may be brought in the courts
of the State of Texas, County of Dallas, or in the United States courts located
<PAGE>

in the State of Texas as Lender in its sole discretion may elect and Borrower
hereby irrevocably submits to the nonexclusive jurisdiction of such courts for
the purpose of any such suit, action, or proceeding. Borrower hereby irrevocably
consents to the service of process in any suit, action, or proceeding in said
court by the mailing thereof by Lender, via overnight delivery service, to
Assignor's address shown opposite its name on the signature pages hereof, and to
Derek Wolman, at Wolman, Babitt & King, L.L.P., 521 Fifth Avenue, New York, NY
10175. Nothing herein or in any of the other Loan Documents shall affect the
right of WAMCO 32 to serve process in any other manner permitted by law or shall
limit the right of WAMCO 32 to bring any action or proceeding against Borrower
or with respect to any of its property in courts in other jurisdiction. Borrower
hereby irrevocably waives any objections which it may now or hereafter have to
the laying of venue of any suit, action, or proceeding arising out of or
relating to this Loan Agreement, the Note, or any other Loan Documents brought
in the courts located in the State of Texas, County of Dallas, and hereby
further irrevocably waives any claim that any such suit, action, or proceeding
brought in any such court has been brought in any inconvenient forum. Any action
or proceeding by Borrower against WAMCO 32 shall be brought only in a court
located in Dallas County, Texas.

                  (j) A new Section 11.17 shall be added as follows:

                           Maximum Interest Rate. Regardless of any provision
                  contained in any of the Loan Documents, WAMCO 32 shall never
                  be entitled to receive, collect, or apply as interest (whether
                  termed interest herein or deemed to be interest by operation
                  of law or judicial determination) on the Note any amount in
                  excess of interest calculated at the Maximum Rate, and, in the
                  event that any WAMCO 32 ever receives, collects, or applies as
                  interest any such excess, then the amount which would be
                  excessive interest shall be deemed to be a partial prepayment
                  of principal and treated hereunder as such; and, if the
                  principal amount of the Obligation is paid in full, then any
                  remaining excess shall forthwith be paid to Borrower. In
                  determining whether or not the interest paid or payable under
                  any specific contingency exceeds interest calculated at the
                  Maximum Rate, Borrower and WAMCO 32 shall, to the maximum
                  extent permitted under applicable law: (a) characterize any
                  non-principal payment as an expense, fee, or premium rather
                  than as interest; (b) exclude voluntary prepayments and the
                  effects thereof; and (c) amortize, prorate, allocate, and
                  spread, in equal parts, the total amount of interest
                  throughout the entire contemplated term of the Note; provided
                  that, if the Note is paid and performed in full prior to the
                  end of the full contemplated term thereof, and if the interest
                  received for the actual period of existence thereof exceeds
                  interest calculated at the Maximum Rate, then WAMCO 32 shall
                  refund to Borrower the amount of such excess or credit the
                  amount of such excess against the principal amount of the Note
                  and, in such event, WAMCO 32 shall not be subject to any
                  penalties provided by any laws for contracting for, charging,
                  taking, reserving, or receiving interest in excess of interest
                  calculated at the Maximum Rate.

      3. CONDITIONS PRECEDENT. The effectiveness of this Amendment No. 5 is
expressly conditioned upon the receipt by WAMCO 32 of duly executed copies of
(i) this Amendment No. 5, (ii) the Amended and Restated Secured Term Promissory
Note, (iii) the Revenue Participation Agreement, (iv) the Subordination
Agreement, (v) the Warrant and Registration Rights Agreement, (vi) certified
articles of incorporation, by-laws and good standing certificates of Borrower
<PAGE>

and VCS (vii) resolutions and secretary's certificates from Borrower and VCS,
(viii) legal opinion from counsel to Borrower and VCS, (ix) payment of all fees
and other amounts due and payable by Borrower on or prior to the date hereof,
including the reasonable fees of and disbursements of counsel to WAMCO 32; and
(x) all other documents required by WAMCO 32, and acceptable in form and
substance in their sole and absolute discretion.

      4. RATIFICATIONS. As a material inducement to WAMCO 32 to execute and
deliver this Amendment No. 5, Borrower (a) ratifies and confirms all provisions
of the Loan Documents as amended by this Amendment No. 5, (b) ratifies and
confirms that all guaranties, assurances, and security interests granted,
conveyed, or assigned to WAMCO 32 under the Loan Documents, as they may have
been renewed, extended, and amended, are not released, reduced, or otherwise
adversely affected by this Amendment No. 5 and continue to guarantee, assure,
and secure full payment and performance of the present and future Obligations,
and (c) agrees to perform such acts and duly authorize, execute, acknowledge,
deliver, file, and record such additional documents, and certificates as WAMCO
32 may request in order to create, perfect, preserve, and protect those
guaranties, assurances, and security interests.

      5. REPRESENTATIONS. Borrower represents and warrants to WAMCO 32 that as
of the date of this Amendment No. 5 (a) all representations and warranties
applicable to such party, as amended hereby, in the Loan Documents are true and
correct in all material respects except to the extent that any of them speak to
a different specific date, (b) no Material Adverse Effect or Event of Default
(or circumstance that, with notice, time lapse, or both, would become an Event
of Default) exists, (c) this Amendment No. 5, and the Loan Documents, are within
Borrower's powers, have been duly and validly authorized, are enforceable in
accordance with their terms; and (d) do not violate or conflict with any of
organizational documents of Borrower, or any law or any material agreement or
instrument which is binding upon Borrower or its property.

      6. CONFLICTING TERMS. In the event of a conflict between the terms and
provisions of this Amendment No. 5; and the terms and provisions of the Loan
Agreement, the terms of this Amendment No. 5 shall govern. In all other
respects, the Loan Agreement, as amended and supplemented hereby, shall remain
in full force and effect.

      7. MISCELLANEOUS. This Amendment No. 5, when signed by WAMCO 32 and
Borrower, as provided herein below (a) shall be deemed effective prospectively
as of the date hereof, (b) contains the entire agreement among the parties and
may not be amended or modified except in writing signed by all parties, (c)
shall be governed and construed according to the laws of the State of Texas, (d)
may be executed in any number of counterparts, each of which shall be valid as
an original and all of which shall be one and the same agreement, and (e) shall
constitute a Loan Document. A telecopy or other electronic transmission of any
executed counterpart shall be deemed valid as an original. This Amendment No. 5
binds and inures to each of the undersigned and their respective successors and
permitted assigns.

      8. OTHER AGREEMENTS. THIS AMENDMENT NO. 5, THE AMENDED AND RESTATED NOTE,
THE REVENUE PARTICIPATION AGREEMENT, THE SUBORDINATION AGREEMENT, THE WARRANT
AND REGISTRATION RIGHTS AGREEMENT, AND THE OTHER LOAN DOCUMENTS REFERRED TO
HEREIN EMBODY THE FINAL, ENTIRE AGREEMENT AMONG THE PARTIES HERETO AND SUPERSEDE
ANY AND ALL PRIOR COMMITMENTS, AGREEMENTS, REPRESENTATIONS, AND UNDERSTANDINGS,
WHETHER WRITTEN OR ORAL, RELATING TO THE SUBJECT MATTER HEREOF AND MAY NOT BE
<PAGE>

CONTRADICTED OR VARIED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL
AGREEMENTS OR DISCUSSIONS OF THE PARTIES HERETO. THERE ARE NO ORAL AGREEMENTS
AMONG THE PARTIES HERETO. THE PROVISIONS OF THIS AGREEMENT AND THE OTHER LOAN
DOCUMENTS TO WHICH BORROWER IS A PARTY MAY BE AMENDED OR WAIVED ONLY BY AN
INSTRUMENT IN WRITING SIGNED BY THE PARTIES HERETO.

      9. WAMCO 32 AND BORROWER HEREBY EACH WAIVE THE RIGHT TO TRIAL BY JURY IN
ANY ACTION OR PROCEEDING BASED UPON, ARISING OUT OF, OR IN ANY WAY RELATING TO:
(i) THIS AMENDMENT NO. 5; OR (ii) ANY OTHER PRESENT OR FUTURE INSTRUMENT OR
AGREEMENT BETWEEN WAMCO 32 AND BORROWER; OR (iii) ANY CONDUCT, ACTS OR OMISSIONS
OF WAMCO 32 OR BORROWER OR ANY OF THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS,
ATTORNEYS OR ANY OTHER PERSONS AFFILIATED WITH WAMCO 32 OR BORROWER

      10. PERMITTED PARTIES. This Amendment No. 5 binds and inures to Borrower,
WAMCO 32, and their respective successors and assigns.

         [Remainder of page intentionally blank; signature page follows]
<PAGE>

         EXECUTED as of the date first stated above.

NOW SOLUTIONS, INC.,                             WAMCO 32, LTD.,
a Delaware Corporation                           a Texas limited partnership
                                                 By: WAMCO 32 of Texas, Inc.,
                                                 its General Partner

By:                                              By:
   --------------------------------                 ----------------------------
   Richard Wade                                     Jeff Lawler
   Chairman                                         Senior Vice PresidentEXHIBIT 10.117B

                AMENDED AND RESTATED SECURED TERM PROMISSORY NOTE
                                   (Term Loan)

$1,304,766.25                    Dallas, Texas                     June 15, 2004

         FOR VALUE RECEIVED, the undersigned ("Borrower"), promises to pay to
the order of WAMCO 32, LTD., ("WAMCO 32"), a Texas limited liability company, at
P.O. Box 30018, Hartford, CT 06150-0018, or at such other address as the holder
of this Amended and Restated Secured Term Promissory Note (this "Note") shall
direct, the principal sum of ONE MILLION THREE HUNDRED AND FOUR THOUSAND SEVEN
HUNDRED SIXTY-SIX DOLLARS AND 25/100 ($1,304,766.25), payable as follows:

         (a) $91,666.67 principal per month, plus interest as hereinafter
         provided, commencing on June 30, 2004 and continuing on the last day of
         each succeeding month through September 30, 2004;

         (b) $7,500.00 principal per month plus interest as hereinafter
         provided, commencing on October 31, 2004 and continuing on the last day
         of each succeeding month through January 31, 2005;

         (c) provided Borrower has achieved Revenues (as defined in Amendment
         Number Five to Loan and Security Agreement) of not less than $7,500,000
         and EBITDA of not less than $2,200,000 for fiscal year 2004, which
         shall be measured and reported by February 1, 2005, $7,500.00 principal
         per month, plus interest as hereinafter provided, commencing on
         February 28, 2004 and continuing on the last day of each succeeding
         month until June 30, 2005 (the period from February 28, 2005 through
         June 30, 2005, being the "Principal Reduction Period");

         (d) $91,666.67 principal per month, plus interest as hereinafter
         provided, commencing on July 31, 2005 and continuing on the last day of
         each succeeding month until Maturity.

         In the event Borrower does not qualify for reduced payments during the
         Principal Reduction Period, the Note will be payable in the amount of
         $91,666.67 principal per month, plus interest as hereinafter provided,
         commencing on February 28, 2005 and continuing on the last day of each
         succeeding month until Maturity.

         The entire remaining unpaid principal balance of this Note, plus any
and all accrued and unpaid interest, shall be due and payable on the earlier of:
(i) April 28, 2006 ("Maturity"), or (ii) the date the Loan and Security
Agreement between the Borrower and WAMCO 32, dated as of February 28, 2001 (as
the same as been amended, revised, or amended and restated from time to time,
the "Loan Agreement") terminates by its terms or is terminated by either party
in accordance with its terms. All initially capitalized terms used in this Note
shall have the meanings ascribed thereto in the Loan Agreement unless
specifically defined herein.

         This Note shall bear interest on the unpaid principal balance hereof
from time to time outstanding at a rate equal to nine percent (9.0%) per annum,
calculated on the basis of a 360-day year for the actual number of days elapsed.
Accrued interest shall be payable monthly, in addition to the principal payments
provided above, commencing on June 30, 2004, and continuing on the last day of
each succeeding month.

         Principal of, and interest on, this Note shall be payable in lawful
money of the United States of America. If a payment hereunder becomes due and
<PAGE>

payable on a Saturday, Sunday or legal holiday, the due date thereof shall be
extended to the next succeeding business day, and interest shall be payable
thereon during such extension.

         In the event any payment of principal or interest on this Note is not
paid in full when due, or if any other Default or Event of Default occurs under
the Loan Agreement or any other present or future instrument, document, or
agreement between the Borrower and WAMCO 32, WAMCO 32 may, at its option, at any
time thereafter, declare the entire unpaid principal balance of this Note plus
all accrued interest to be immediately due and payable, without notice or
demand. Without limiting the foregoing, and without limiting WAMCO 32's other
rights and remedies, in the event any installment of principal or interest is
not paid in full on the due date or within a fifteen (15) day grace period
following the due date, the Borrower agrees that it would be impracticable or
extremely difficult to fix the actual damages resulting therefrom to WAMCO 32,
and therefore the Borrower agrees to immediately pay to WAMCO 32 on the
fifteenth day following the due date, an amount equal to 2.5% of the installment
(or portion thereof) not paid, as liquidated damages, to compensate WAMCO 32 for
the internal administrative expenses in administering the default. The
acceptance of any installment of principal or interest by WAMCO 32 after the
time when it becomes due, as herein specified, shall not be held to establish a
custom, or to waive any rights of WAMCO 32 to enforce payment when due of any
further installments or any other rights, nor shall any failure or delay to
exercise any rights be held to waive the same.

         Until such time as the Obligation has been repaid in full, the
Obligation shall be permanently prepaid immediately upon receipt by Borrower of
any net cash settlement proceeds after payment of all costs and expenses related
thereto, including attorney's fees (the "Settlement Proceeds") resulting from
any and all claims brought by Borrower against Ross Systems, Inc. in the state
of New York ,as of the date of this Note, as follows:

         (a) from June 30, 2004 through September 30, 2004, Borrower shall
         prepay the lesser of the outstanding principal balance of the Note or
         35% of the Settlement Proceeds received during such period;

         (b) during the Principal Reduction Period, Borrower shall prepay the
         lesser of the outstanding principal balance of the Note or 70% of the
         Settlement Proceeds received during such period; and

         (c) from June 30, 2005 until maturity, the Borrower shall prepay the
         lesser of the outstanding principal balance of the Note or 85% of the
         Settlement Proceeds received during such period.

         All payments hereunder are to be applied first to costs and fees
referred to hereunder, second to the payment of accrued interest and the
remaining balance to the payment of principal. Any principal prepayment
hereunder shall be applied against principal payments in the inverse order of
maturity. WAMCO 32 shall have the continuing and exclusive right to apply or
reverse and reapply any and all payments hereunder in its sole discretion.

         Borrower agrees to pay all costs and expenses (including without
limitation reasonable attorney's fees) incurred by WAMCO 32 in connection with
or related to the preparation and negotiation of this Note, or its enforcement,
whether or not suit be brought. Borrower hereby further waives presentment,
demand for payment, notice of dishonor, notice of nonpayment, protest, notice of
protest, notice of intent to accelerate, notice of acceleration, and any and all
other notices and demands in connection with the delivery, acceptance,
performance, default, or enforcement of this Note, and Borrower hereby waives
the benefits of any statute of limitations with respect to any action to
enforce, or otherwise related to, this Note.
<PAGE>

         This Note is secured by the Loan Agreement and all other present and
future security agreements and financing statements between the Borrower and
WAMCO 32. This Agreement is one of the Loan Documents as defined in the Loan
Agreement, and nothing herein shall be deemed to limit any of the terms,
provisions, conditions, stipulations, or agreements contained in the Loan
Agreement or any other present or future document, instrument or agreement,
between the Borrower and WAMCO 32, and all of WAMCO 32's rights and remedies
hereunder and thereunder are cumulative.

         In the event any one or more of the provisions of this Note shall for
any reason be held to be invalid, illegal or unenforceable, the same shall not
affect any other provision of this Note and the remaining provisions of this
Note shall remain in full force and effect.

         No waiver or modification of any of the terms or provisions of this
Note shall be valid or binding unless set forth in a writing signed by a duly
authorized officer of WAMCO 32, and then only to the extent therein specifically
set forth. If more than one person executes this Note, their obligations
hereunder shall be joint and several.

         WAMCO 32 AND BORROWER HEREBY EACH WAIVE THE RIGHT TO TRIAL BY JURY IN
ANY ACTION OR PROCEEDING BASED UPON, ARISING OUT OF, OR IN ANY WAY RELATING TO:
(i) THIS NOTE; OR (ii) ANY OTHER PRESENT OR FUTURE INSTRUMENT OR AGREEMENT
BETWEEN WAMCO 32 AND BORROWER; OR (iii) ANY CONDUCT, ACTS OR OMISSIONS OF WAMCO
32 OR BORROWER OR ANY OF THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, ATTORNEYS
OR ANY OTHER PERSONS AFFILIATED WITH WAMCO 32 OR BORROWER.

         This Note is executed and delivered in renewal and extension of, but
not in novation or discharge of the indebtedness evidenced by, that certain
Secured Term Promissory Note dated February 28, 2001, in the principal amount of
$5,500,000, payable to the order of Coast Business Credit, and sold and assigned
to WAMCO 31, LTD. in May of 2003, and then transferred to WAMCO 32, LTD. in
January of 2004, and executed by NOW Solutions, LLC, a Delaware limited
liability company, which was converted into the Borrower pursuant to the filing
of a Certificate of Conversion and an Agreement of Plan of Conversion with the
Delaware Secretary of State on March 15, 2004, and includes a Loan Fee in the
amount of $25,583.65.

         This Note is payable in, and shall be governed by the internal laws of,
the State of Texas.

Now Solutions, Inc.,
a Delaware corporation

By:
    -----------------------------------
    By: Richard Wade
    Title: Chairman

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00077-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00077-of-00352.parquet"}]]