Document:

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                                                                   EXHIBIT 10.74

November 14, 2001

Mr. Walter J. Kane
Applied Data Communications
3324 South Susan Street
Santa Ana, CA  92704

Re:  Interim Capital Inc. Factoring and Security Agreement
     Contract No. ADCM - 0014   Dated: July 29, 1994

Dear Mr. Kane:

In reference to the above mentioned contract any and all prior extensions of
payments, waivers of default and standstills for debt have been previously or
are now voided and therefore no longer in effect.

In accordance with the above-mentioned contract, we are notifying ADC of the
following:

     1.   Default - Section XI Para. 6

          ADC is in default of its contract under Section and Paragraph
          indicated

     2.   Repurchase - Sections V-E and XI-12

          ADC is required to repurchase the attached list of invoices (Exhibit
          A) Schedule A14-362 thru Schedule A14-842 for the amount of
          $1,429,068.77.

          See Note dated 11/14/01 (Exhibit B) attached.

     3.   Reserve Account - Sections IV-E, VI-C, IX

          The Reserve Account will be applied in accord with the sections
          indicated.

     4.   Payment - Section V-E

          Payment of $1,429,068.77 is to be made in accordance with this
          section, with the following two exceptions only:

          a.   The seven (7) day payment period is extended to one (1) year. Any
               additional extensions of the seven (7) day pay period is at the
               option of Interim Capital, Inc. and must be in writing.
               [Extensions of this yearly option will not unreasonably be
               withheld by Interim Capital or Successors. JF WK]

          b.   Payment of the above amount shall be in monthly installments of
               5% of ADC's monthly collections up to a $50,000 maximum per
               month. Any balance remaining will be due at the end of one (1)
               year.

          Payments to commence ninety (90) days after November 14, 2001.

          ADC to furnish monthly accounting of all collections with payments.

     5.   Purchasers Rights - Section IV-B

<PAGE>

          Interim Capital shall exercise its right to sell, assign, or transfer
          etc. the attached list of invoices (Exhibit C), Schedules A14-830 thru
          A14-845 for the amount of $104,156.37.

     6.   In reference to the above mentioned contract many other sections apply
          to all of the above, thus this contract shall remain in full force and
          applicable in its entirety until Interim Capital, Inc. has been paid
          in full, except as herein stated in item 4a and 4b above.

Sincerely,

/s/ JOHN F. FUINI

John F. Fuini
Encl.

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                                 PROMISSORY NOTE

Amount $1,429,068.77                                   Orange County, California

This Promissory Note is being executed in conjunction with that certain
Repurchase Letter dated November 14, 2001 between interim Capital, Inc.
("Interim") and Applied Data Communications, Inc. ("ADC") executed on November
14, 2001.

ADC shall pay to Interim, or order, the sum of One Million Four Hundred Twenty
Nine and Sixty-Eight Dollars and Seventy-Seven Cents ($1,429,068.77) with
interest thereon from the date hereof at the rate of eight percent (8%) per
annum. Payments shall commence ninety (90) days after execution of this
Promissory Note and shall consists of monthly installments equal to five percent
(5%) of ADC's total collections (including factored invoices) for the thirty
(30) days preceding each installment's due date, up to a maximum of $50,000.00
per installment. All sums remaining unpaid shall become due on (1) year from the
date of execution of the Promissory Note.

Concurrently with each installment payment, ADC shall furnish to Interim a
detailed accounting of all collections received within the past 30 days. In the
event ADC fails to make any payment hereunder, or provide an accounting. Interim
shall provide written notice of default deposited in the United States mail
Postage prepaid the addresses described below. If ADC fails to cure any default
within ten days of written notice. ADC shall be considered in default hereunder.

At the option of Interim, or any assignee, the whole amount of principal and
interest shall become immediately due and payable upon the occurrence of any of
the following events.:

     (a)  Failure to cure a default;
     (b)  The filing of a petition in bankruptcy by ADC, or the initiation of
          any proceedings under any bankruptcy or insolvency laws against ADC;
          or
     (c)  The making of a general assignment for the benefit of creditors by
          ADC.

Interim's failure to exercise the option to accelerate the debt with regard to
any default shall not be construed as a waiver of the provisions hereof as
regards to the same or any subsequent occurrence.

All payments and notices under this Note shall be delivered to the appropriate
party at the following addresses:

                       Paul B. Barr
                       Interim Capital, Inc.
                       3020 Old Ranch Parkway, Suite 300
                       Seal Beach, CA 90740

<PAGE>

                       Applied Data Communications, Inc.
                       3324 South Susan Street
                       Santa Ana, CA 92704-6841

                       Walter J. Kane
                       3324 South Susan Street
                       Santa Ana, CA 927046841

This Promissory Note may be prepaid in whole or in part any time without
penalty. This Promissory Note has been executed and delivered by ADC and Walter
J. Kane in the state of California and is to be governed by and construed in
accordance with the laws of the state of California. In any action brought or
arising out of this Promissory Note, ADC and Walter J. Kane hereby consent to
the jurisdiction of any competent court within the state of California.

If a payment under this Note is not made in full when due, whether on a due
date, at maturity of by acceleration, ADC and Walter J. Kane promise to pay all
costs of collection, including without limitation, reasonable attorney's fees
whether or not suit is filed. The provisions hereof shall be binding upon and
inure to the benefit of the parties hereto, their personal representatives,
heir, executor, administrator, successors and or assigns.

Date:   11-14-01                        APPLIED DATA COMMUNICATIONS, INC.
     --------------

                                        /s/  WALTER J. KANE
                                        ----------------------------------------
                                        WALTER J. KANE
                                        President

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                                PERSONAL GUARANTY
                                -----------------

In order to induce Interim to enter into the foregoing agreement and in
consideration thereof, the undersigned hereby personally, jointly and severally
guarantees to Interim full and prompt payment by ADC of all sums payable under
this Promissory Note. The undersigned further guarantees to indemnify Interim
against any and all loss, damages, claims, liability and/or expenses (including
attorney's fees) resulting form the failure of ADC to perform any term of the
within Promissory Note. The undersigned further agrees that in the event of
default, action may be brought directly against the undersigned irrespective of
whether any action has been taken against ADC. This guaranty shall be construed
an[d] enforced in accordance with the laws of the state of California and the
undersigned consents to the jurisdiction of the courts of the state of
California with respect to this guarantee.

Date:   11-14-01                             /s/  WALTER J. KANE
     --------------                          -----------------------------------
                                             WALTER J. KANE, Personally

<PAGE>

<TABLE>
<S>        <C>                               <C>          <C>          <C>          <C>         <C>
A14-614     2/28/2000 CMT                    16,403.00    33,250.00    16,625.00    9,975.00    26,600.00
A14-614     2/28/2000 CRT                    16,404.00    21,000.00    10,500.00    6,300.00    16,800.00

A14-615     3/1/2000  Therapy Entertainment  16,406.00       825.00       413.00      247.50       660.50
A14-615     3/1/2000  CRT                    16,413.00    14,000.00     7,000.00    4,200.00    11,200.00

A14-683     3/30/2000 Language Force         16,615.00    26,400.00    13,200.00    7,656.00    20,856.00

A14-646    04/19/00   CVC                    16,686.00    46,800.00    23,400.00    3,572.00    36,972.00

A14-664     5/17/2000 Third Wave             16,845.00       612.45       306.00      171.49       477.49
A14-664     5/17/2000 CD Cyclone             16,848.00       950.00       475.00      266.00       741.00
A14-664     5/17/2000 CMMG                   16,850.00     9,500.00     4,750.00    2,660.00     7,410.00
A14-664     5/17/2000 CMMG                   16,851.00     9,500.00     4,750.00    2,660.00     7,410.00

A14-672     6/6/2000  CRT                    16,935.00    39,600.00    19,800.00    0,692.00    30,492.00
A14-672     6/6/2000  American Sound         16,938.00     7,740.00     3,870.00    2,089.00     5,959.80

A14-679     6/28/2000 CRT                    17,027.00    18,000.00     9,000.00    4,680.00    13,680.00
A14-679     6/28/2000 OT Studios             17,031.00     4,900.00     2,450.00    1,274.00     3,724.00
A14-679     6/28/2000 Third Wave             17,033.00       726.59       363.00      188.91       551.91

A14-790     4/20/2001 Stamps.com             18,321.00    39,776.44    27,844.00    6,364.23    34,208.23
A14-790     4/20/2001 Stamps.com             18,322.00    23,382.04    16,367.00    3,741.13    20,108.13

A14-814      7/2/2001 Stomp                  18,632.00    19,008.00    13,306.00    2,661.12    15,967.12

A14-819     7/13/2001 Stomp                  18,684.00    19,500.00    13,650.00    2,730.00    16,380.00

A14-820     7/16/2001 Paramount Software     18,686.00     6,765.54     4,736.00      897.52     5,612.52
A14-820     7/16/2001 Cassette Express       18,687.00     2,250.00     1,575.00      292.54     1,867.50
A14-820     7/16/2001 Dot Printer            18,662.00    15,770.00    11,039.00    2,050.10    13,089.00
A14-824     7/26/2001 Staples                18,730.00    12,788.00     8,952.00    1,662.44    10,614.44
A14-824     7/26/2001 Staples                18,731.00    26,271.00    18,390.00    3,415.23    21,805.23

A14-833     8/30/2001 Nihon Kokden           18,876.00       512.50       359.00       61.50       420.50

A14-831     8/22/2001 Staples                18,839.00    23,074.00    16,152.00    2,768.88    18,920.88

A14-842    10/11/2001 TFP                    19,008.00        80.00        56.00        5.20        61.20
</TABLE>

<PAGE>

               Re: Interim Capital Factoring & Security Agreement
                   Contract No. ADCM-0014 dated July 29, 1994

 Amendment to Interim Capital's Default & Repurchase Notice Dated 11/14/01 and
                       ACD Promissory Note Dated 11/14/01

It is the intent of this written notice to amend the above mentioned Contract;
Default & Repurchase Notice and Promissory note as follows:

     1.   An ADC check is due weekly, rather than monthly, on every Tuesday of
          each month until the note & interest is paid in full.

     2.   First payment due Tuesday 2/26/02.

     3.   Report of weekly collection receipts are to be furnished with check to
          Paul Barr of Interim Capital Inc.

     4.   All payments are to paid by negotiable ADC checks.

     5.   The first Tuesday a check is not received or a check is not negotiable
          (not good), the note will go into default, without default notice.
          Default notice is waived because of weekly payment schedules.

     6.   Default must be cured by the following Tuesday (7 days).

     7.   Default penalty as defined in the note remains in effect. In addition
          the 1-year extension of payment granted will be cancelled along with
          yearly renewal of extension. If default is not cured timely (within 7
          days).

     8.   5% applies to all collections, including any and all income from
          acquisitions, mergers or ADC equity positions taken in another company
          or entity.

     9.   If default is not cured timely (item 6 above), the entire note balance
          and all interest are due and payable.

     10.  DELETED

     11.  This does not in any way void any conditions of Interim Capital Inc.'s
          Factoring and Security Agreement Contract ADCM-0014 dated July 29,
          1994.

     /s/  Walter Kane               3/14/02
     ---------------------------   ---------   ----------------------   --------
     Walter J. Kane CEO            Date        John F. Fuini              Date
     Applied Data communications               Interim Capital, Inc.

     /s/  David Besse
     ---------------------------               ---------------------------------
     Witness                                   Witness

                                       -1-<PAGE>
                                                                     EXHIBIT 4.0

                    (FORM OF STOCK CERTIFICATE - FRONT SIDE)

NUMBER                                                                  SHARES

COMMON STOCK                                                 CUSIP ___________
(Par Value $.01 Per Share)                                     See reverse for
                                                           certain definitions

                               TIERONE CORPORATION

                             A Wisconsin Corporation

         This certifies that ___________________________________ is the
registered holder of _________________ fully paid and non-assessable shares of
the Common Stock, par value $.01 per share, of TierOne Corporation, Lincoln,
Nebraska (the "Corporation").

         The shares evidenced by this Certificate are transferable in person or
by a duly authorized attorney or legal representative, upon surrender of this
Certificate properly endorsed. This Certificate and the shares represented
hereby are subject to all the provisions of the Articles of Incorporation and
Bylaws of the Corporation and any and all amendments thereto. This Certificate
is not valid unless countersigned by the Transfer Agent and registered by the
Registrar. This security is not a deposit or savings account and is not insured
or guaranteed by the Federal Deposit Insurance Corporation or any other Federal
or state governmental agency.

         IN WITNESS WHEREOF, the Corporation has caused this Certificate to be
executed by the facsimile signatures of its duly authorized officers and has
caused its facsimile seal to be affixed hereto.

Dated:

_____________________(SEAL)                  _______________________________
Eugene B. Witkowicz                          Gilbert G. Lundstrom
Corporate Secretary                          Chairman of the Board and Chief
                                               Executive Officer

<PAGE>

                     (FORM OF STOCK CERTIFICATE - BACK SIDE)

         The Corporation is authorized to issue more than one class of stock,
including a class of preferred stock which may be issued in one or more series.
The Corporation will furnish to any stockholder, upon written request and
without charge, a full statement of the designations, preferences, limitations
and relative rights of the shares of each class authorized to be issued and,
with respect to the issuance of any preferred stock to be issued in series, the
relative rights and preferences between the shares of each series so far as the
rights and preferences have been fixed and determined and the authority of the
Board of Directors to fix and determine the relative rights and preferences of
subsequent series.

         The following abbreviations, when used in the inscription on the face
of this Certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM          -    as tenants in common

TEN ENT          -    as tenants by the entireties

JT TEN           -    as joint tenants with right of survivorship and not
                      as tenants in common

UNIF GIFT MIN ACT - ______________ Custodian ______________ under       (Cust)
        (Minor)
              Uniform Gifts to Minors Act ________________________
                                                   (State)

Additional abbreviations may also be used though not in the above list.

<PAGE>

For value received, _________________________________ hereby sell, assign
and transfer

PLEASE INSERT SOCIAL SECURITY OR OTHER
TAXPAYER IDENTIFYING NUMBER OF ASSIGNEE

+-------------------------------+
|              |                |
+-------------------------------+

unto ___________________________________________________________________________

PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING POSTAL ZIP CODE, OF\
ASSIGNEE

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

__________________________ shares of Common Stock represented by this
Certificate, and do hereby irrevocably constitute and appoint___________________
as Attorney, to transfer the said shares on the books of the within named
Corporation, with full power of substitution.

Dated _____________ __, ____

                                    __________________________________
                                    Signature

                                    __________________________________
                                    Signature

Notice: The signature(s) to this assignment must correspond with the name(s)
written upon the face of this Certificate in every particular, without
alteration or any change whatsoever.

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