Document:

EXHIBIT 10.33

THIS INSTRUMENT IS SUBJECT TO THE TERMS OF A SUBORDINATION AGREEMENT BY RICHARD
F. CRAVEN IN FAVOR OF WELLS FARGO BUSINES CREDIT, INC. DATED AS OF AUGUST 31,
2000.

                                 PROMISSORY NOTE

$225,000                                                  Minneapolis, Minnesota
                                                                 August 31, 2000

         For value received, the undersigned, RSI Systems, Inc. hereby promises
to pay to the order of Richard F. Craven ("Creditor"), at any place designated
at any time by the holder hereof, in lawful money of the United States of
America and in immediately available funds, the principal sum of Two Hundred
Twenty Five Thousand Dollars ($225,000), together with interest on the principal
amount hereunder remaining unpaid from time to time computed on the basis of the
number of days elapsed in a 360-day year consisting of twelve (12) months of
thirty (30) days each, from the date hereof until this Note is fully paid, at an
annual rate of ten percent (10%). Interest on the outstanding principal amount
of this Note shall accrue and shall be payable upon maturity, as provided
herein.

         The principal amount of this Note, and all accrued and unpaid interest
thereon, shall be due and payable upon demand of Creditor at any time after
February 28, 2001. This Note may be prepaid, in whole or in part, at any time
without penalty. At the sole option of the Creditor, upon maturity, the
outstanding principal and accrued and unpaid interest under this Note may be
converted into common stock of RSI Systems, Inc. at a per share price equal to
the average closing price of such stock on the date of this Note, which is $.34
per share. Creditor may convert to RSI common stock any amount, up to a maximum
of the outstanding principal and accrued interest.

         This Note shall be immediately due and payable (including unpaid
interest accrued hereon) without demand or notice thereof upon filing of a
petition by or against the undersigned under the United States Bankruptcy Code.

         It is the intention of the parties hereto to comply with any applicable
usury laws; accordingly, it is agreed that, notwithstanding any provision to the
contrary in this Note in no event shall this Note require the payment or permit
the collection of interest or any amount in the nature of interest or fees in
excess of the maximum amount permitted by applicable law. Any such excess
interest or fee shall first be applied to reduce the principal balance, and,
when the principal has been paid in full, refunded to the undersigned. In
determining whether or not the interest paid or payable exceeds the highest
lawful rate, the total amount of interest shall be spread throughout the entire
term of any indebtedness so that the interest rate is uniform through the term
of such indebtedness.

         The undersigned consents hereby to any and all extensions of time,
renewals, waivers or modifications of, and all substitutions or releases of,
security or of any party primarily or secondarily liable on this Note or any
term and provision of either, which may be made, granted or consented to by
Creditor, and agrees that suit may be brought and maintained against any one or
more of them, at the election of Creditor without joinder of any other party
hereto, and that undersigned shall not be required first to foreclose, proceed
against, or exhaust any security

<PAGE>

hereof in order to enforce payment of this Note. The undersigned hereby waives
presentment, demand for payment, notice of nonpayment, protest, notice of
protest, notice of dishonor, and all other notices in connection herewith, as
well as filing of suit (if permitted by law) and diligence in collecting this
Note or enforcing any of the security therefore, and agree to pay (if permitted
by law) all expenses incurred in collection, including Creditor's actual
attorneys' fees. The undersigned hereby waives all benefits of valuation,
appraisement and exemption laws. This Note is payable in the State of Minnesota
and shall be construed in accordance with the laws of such state.

                                       RSI SYSTEMS, INC.

                                       By
                                         ---------------------------------------
                                               Its Chief Financial Officer

                                      -2-EXHIBIT 10.34

THIS INSTRUMENT IS SUBJECT TO THE TERMS OF A SUBORDINATION AGREEMENT BY RICHARD
F. CRAVEN IN FAVOR OF WELLS FARGO BUSINESS CREDIT, INC. DATED AS OF JANUARY 31,
2001

                                PROMISSORY NOTE

$200,000                                                  Minneapolis, Minnesota
                                                                January 31, 2001

         For value received, the undersigned, RSI Systems, Inc. hereby promises
to pay to the order of Richard F. Craven ("Creditor"), at any place designated
at any time by the holder hereof, in lawful money of the United States of
America and in immediately available funds, the principal sum of Two Hundred
Thousand Dollars ($200,000), together with interest on the principal amount
hereunder remaining unpaid from time to time computed on the basis of the number
of days elapsed in a 360-day year consisting of twelve (12) months of thirty
(30) days each, from the date hereof until this Note is fully paid, at an annual
rate of ten percent (10%). Interest on the outstanding principal amount of this
Note shall accrue and shall be payable upon maturity, as provided herein.

         The principal amount of this Note, and all accrued and unpaid interest
thereon, shall be due and payable upon demand of Creditor at any time after
February 5, 2001. This Note may be prepaid, in whole or in part, at any time
without penalty. At the sole option of the Creditor, upon maturity, the
outstanding principal and accrued and unpaid interest under this Note may be
converted into common stock of RSI Systems, Inc. at a per share price equal to
the average closing price of such stock on the date of this Note, which is $.45
per share. Creditor may convert to RSI common stock any amount, up to a maximum
of the outstanding principal and accrued interest.

         This Note shall be immediately due and payable (including unpaid
interest accrued hereon) without demand or notice thereof upon filing of a
petition by or against the undersigned under the United States Bankruptcy Code.

         It is the intention of the parties hereto to comply with any applicable
usury laws; accordingly, it is agreed that, notwithstanding any provision to the
contrary in this Note in no event shall this Note require the payment or permit
the collection of interest or any amount in the nature of interest or fees in
excess of the maximum amount permitted by applicable law. Any such excess
interest or fee shall first be applied to reduce the principal balance, and,
when the principal has been paid in full, refunded to the undersigned. In
determining whether or not the interest paid or payable exceeds the highest
lawful rate, the total amount of interest shall be spread throughout the entire
term of any indebtedness so that the interest rate is uniform through the term
of such indebtedness.

<PAGE>

THIS INSTRUMENT IS SUBJECT TO THE TERMS OF A SUBORDINATION AGREEMENT BY RICHARD
F. CRAVEN IN FAVOR OF WELLS FARGO BUSINESS CREDIT, INC. DATED AS OF JANUARY 31,
2001

The undersigned consents hereby to any and all extensions of time, renewals,
waivers or modifications of, and all substitutions or releases of, security or
of any party primarily or secondarily liable on this Note or any term and
provision of either, which may be made, granted or consented to by Creditor, and
agrees that suit may be brought and maintained against any one or more of them,
at the election of Creditor without joinder of any other party hereto, and that
undersigned shall not be required first to foreclose, proceed against, or
exhaust any security hereof in order to enforce payment of this Note. The
undersigned hereby waives presentment, demand for payment, notice of nonpayment,
protest, notice of protest, notice of dishonor, and all other notices in
connection herewith, as well as filing of suit (if permitted by law) and
diligence in collecting this Note or enforcing any of the security therefore,
and agree to pay (if permitted by law) all expenses incurred in collection,
including Creditor's actual attorneys' fees. The undersigned hereby waives all
benefits of valuation, appraisement and exemption laws. This Note is payable in
the State of Minnesota and shall be construed in accordance with the laws of
such state.

                                       RSI SYSTEMS, INC.

                                       By
                                         ---------------------------------------
                                               Its Chief Financial Officer

                                      -2-EXHIBIT 10.17

                            CHANGE IN TERMS AGREEMENT
<TABLE>
<CAPTION>
-------------- ------------ ------------ ---------- ----------- -------- --------- ----------
  PRINCIPAL      LOAN DATE    MATURITY     LOAN NO   CALL/COLL   ACCOUNT  OFFICER   INITIALS
<S>             <C>          <C>          <C>        <C>         <C>        <C>      <C>
$2,000,000.00   01-31-2001   04-30-2001   90241693               127732     DS
-------------- ------------ ------------ ---------- ----------- -------- --------- ----------

         References in the shaded area are for Lender's use only and do not limit the
                applicability of this document to any particular loan or item.
       Any item above containing "***" has been omitted due to text length limitations.
---------------------------------------------------------------------------------------------
</TABLE>

BORROWER: DIGITAL BIOMETRICS, INC.          LENDER: ASSOCIATED BANK MINNESOTA
          5600 ROWLAND ROAD SUITE 205               PLYMOUTH OFFICE
          MINNETONKA, MN 55343                      2655 CAMPUS DRIVE
                                                    PLYMOUTH, MN 55441

PRINCIPAL AMOUNT: $2,000,000.00             INITIAL RATE: 9.50%
                                            DATE OF AGREEMENT: JANUARY 31, 2001

DESCRIPTION OF EXISTING INDEBTEDNESS. PROMISSORY NOTE #90241693 DATED NOVEMBER
19, 1999 IN THE ORIGINAL AMOUNT OF $2,000,000.00. A CHANGE IN TERMS AGREEMENT
DATED NOVEMBER 19, 2000.

DESCRIPTION OF COLLATERAL. ALL CORPORATE ASSETS PER COMMERCIAL SECURITY
AGREEMENT DATED NOVEMBER 19, 1999.

DESCRIPTION OF CHANGE IN TERMS. TO EXTEND MATURITY DATE.

PROMISE TO PAY. DIGITAL BIOMETRICS, INC. ("Borrower") promises to pay to
ASSOCIATED BANK MINNESOTA ("Lender"), or order, in lawful money of the United
States of America, the principal amount of Two Million & 00/100 Dollars
($2,000,000.00) or so much as may be outstanding, together with interest on the
unpaid outstanding principal balance of each advance. Interest shall be
calculated from the date of each advance until repayment of each advance.

PAYMENT. Borrower will pay this loan in one payment of all outstanding principal
plus all accrued unpaid interest on April 30, 2001. In addition, Borrower will
pay regular monthly payments of accrued unpaid Interest beginning February 28,
2001, and all subsequent interest payments are due on the same day of each month
after that. The annual interest rate for this Agreement is computed on a 365/360
basis; that is, by applying the ratio of the annual interest rate over a year of
360 days, multiplied by the outstanding principal balance, multiplied by the
actual number of days the principal balance is outstanding. Borrower will pay
Lender at Lender's address shown above or at such other place as Lender may
designate in writing.

VARIABLE INTEREST RATE. The interest rate on this Agreement is subject to change
from time to time based on changes in an independent index which is the PRIME
RATE OF INTEREST AS PUBLISHED EACH BUSINESS DAY IN THE MONEY RATES SECTION OF
THE WALL STREET JOURNAL (the "Index"). The Index is not necessarily the lowest
rate charged by Lender on its loans. If the Index becomes unavailable during the
term of this loan, Lender may designate a substitute index after notice to
Borrower. Lender will tell Borrower the current Index rate upon Borrower's
request. The interest rate change will not occur more often than each DAY.
Borrower understands that Lender may make loans based on other rates as well.
The Index currently is 9.00% per annum. The interest rate to be applied to the
unpaid principal balance of the Note will be at a rate of 0.500 percentage
points over the Index, resulting in an Initial rate of 9.500% per annum. NOTICE:
Under no circumstances will the interest rate on the Note be more than the
maximum rate allowed by applicable law.

PREPAYMENT. Borrower agrees that all loan fees and other prepaid finance charges
are earned fully as of the date of the loan and will not be subject to refund
upon early payment (whether voluntary or as a result of default), except as
otherwise required bylaw. Except for the foregoing, Borrower may pay without
penalty all or a portion of the amount owed earlier than it is due. Early
payments will not, unless agreed to by Lender in writing, relieve Borrower of
Borrower's obligation to continue to make payments of accrued unpaid interest.
Rather, early payments will reduce the principal balance due. Borrower agrees
not to send Lender payments marked "paid in full", "without recourse", or
similar language. If Borrower sends such a payment, Lender may accept it without
losing any of Lender's rights under this Agreement, and Borrower will remain
obligated to pay any further amount owed to Lender. All written communications
concerning disputed amounts, including any check or other payment instrument
that indicates that the payment constitutes "payment in full" of the amount owed
or that is tendered with other conditions or limitations or as full satisfaction
of a disputed amount must be mailed or delivered to: ASSOCIATED BANK MINNESOTA,
PLYMOUTH OFFICE 2655 CAMPUS DRIVE, PLYMOUTH, MN 55441.

LATE CHARGE. If a payment is 10 days or more late, Borrower will be charged
5.000% of the unpaid portion of the regularly scheduled payment.

INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final
maturity, Lender, at its option, may, if permitted under applicable law,
increase the variable interest rate on this Agreement to 3.500 percentage points
over the Index. The interest rate will not exceed the maximum rate permitted by
applicable law.

DEFAULT. Each of the following shall constitute an Event of Default under this
Agreement:

     Payment Default. Borrower fails to make any payment when due under the
     Indebtedness.

     Other Defaults. Borrower fails to comply with or to perform when due any
     other term, obligation, covenant, or condition contained in this Agreement
     or in any of the Related Documents or to comply wit or to perform any term,
     obligation, covenant or condition contained in any other agreement between
     Lender and Borrower.

     Default in Favor of Third Parties. Borrower defaults under any loan,
     extension of credit, security agreement, purchase or sales agreement, or
     any other agreement, in favor of any other creditor or person that may
     materially affect any of Borrower's property or Borrower's ability to
     perform Borrower's obligations under this Agreement or any of the Related
     Documents.

     False Statements. Any warranty, representation or statement made or
     furnished to Lender by Borrower or on Borrower's behalf under this
     Agreement or the Related Documents is false or misleading in any material
     respect, either now or at the time made or furnished or becomes false or
     misleading at any time thereafter.

     Insolvency. The dissolution or termination of Borrower's existence as a
     going business, the insolvency of Borrower, the appointment of a receiver
     for any part of Borrower's property, any assignment for the benefit of
     creditors, any type of creditor workout, or the commencement of any
     proceeding under any bankruptcy or insolvency laws by or against Borrower.

     Creditor or Forfeiture Proceedings. Commencement of foreclosure or
     forfeiture proceedings, whether by judicial proceeding, self-help,
     repossession or any other method, by any creditor of Borrower or by any
     governmental agency against any collateral securing the Indebtedness. This
     includes a garnishment of any of Borrower's accounts, including deposit
     accounts, with Lender. However, this Event of Default shall not apply if
     there is a good faith dispute by Borrower as to the validity or
     reasonableness of the claim which is the basis of the creditor or
     forfeiture proceeding and if Borrower gives Lender written notice of the
     creditor or forfeiture proceeding and deposits with Lender monies or a
     surety bond for the creditor or forfeiture proceeding, in a amount
     determined by Lender, in its sole discretion, as being an adequate reserve
     or bond for the dispute.

     Events Affecting Guarantor.

     Change in Ownership. Any change in ownership of twenty-five percent (25%)
     or more of the common stock of Borrower.

<PAGE>

                           CHANGE IN TERMS AGREEMENT                      PAGE 2
LOAN NO 90241693                   (CONTINUED)

     Adverse Change. A material adverse change occurs in Borrower's financial
     condition, or Lender believes the prospect of payment or performance of the
     Indebtedness is impaired.

     Insecurity. Lender in good faith believes itself insecure.

     Cure Provisions. If any default, other than a default in payment is curable
     and if Borrower has not been given a notice of a breach of the same
     provision of this Agreement within the preceding twelve (12) months, it may
     be cured (and no event of default will have occurred) if Borrower, after
     receiving written notice from Lender demanding cure of such default: (1)
     cures the default within thirty (30) days; or (2) if the cure requires more
     than thirty (30) days, immediately initiates steps which Lender deems in
     Lender's sole discretion to be sufficient to cure the default and
     thereafter continues and completes all reasonable and necessary steps
     sufficient to produce compliance as soon as reasonably practical.

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal
balance on this Agreement and all accrued unpaid interest immediately due, and
then Borrower will pay that amount.

ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect
this Agreement if Borrower does not pay. Borrower will pay Lender that amount.
This includes, subject to any limits under applicable law, Lender's reasonable
attorneys' fees and Lender's legal expenses, whether or not there is a lawsuit,
including reasonable attorneys' fees, expenses for bankruptcy proceedings
(including efforts to modify or vacate any automatic stay or injunction), and
appeals. If not prohibited by applicable law, Borrower also will pay any court
costs, in addition to all other sums provided by law.

GOVERNING LAW. This Agreement will be governed by, construed and enforced in
accordance with federal law and the laws of the State of Minnesota. This
Agreement has been accepted by Lender in the State of Minnesota.

RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a
right of setoff in all Borrower's accounts with Lender (whether checking;
savings, or some other account). This includes all accounts Borrower holds
jointly with someone else and all accounts Borrower may open in the future.
However, this does not include any IRA or Keogh accounts, or any trust accounts
for which setoff would be prohibited by law. Borrower authorizes Lender, to the
extent permitted by applicable law, to charge or setoff all sums owing on the
indebtedness against any and all such accounts, and, at Lender's option, to
administratively freeze all such accounts to allow Lender to protect Lender's
charge and setoff rights provided in this paragraph.

LINE OF CREDIT. This Agreement evidences a revolving line of credit. Advances
under this Agreement may be requested either orally or in writing by Borrower or
by an authorized person. Lender may, but need not, require that all oral
requests be confirmed in writing. All communications, instructions, or
directions by telephone or otherwise to Lender are to be directed to Lender's
office shown above. Borrower agrees to be liable for all sums either: (A)
advanced in accordance with the instructions of an authorized person or (B)
credited to any of Borrower's accounts with Lender. The unpaid principal balance
owing on this Agreement at any time may be evidenced by endorsements on this
Agreement or by Lender's internal records, including daily computer print-outs.
Lender will have no obligation to advance funds under this Agreement if: (A)
Borrower or any guarantor is in default under the terms of this Agreement or any
agreement that Borrower or any guarantor has with Lender, including any
agreement made in connection with the signing of this Agreement; (B) Borrower or
any guarantor ceases doing business or is insolvent; (C) any guarantor seeks,
claims or otherwise attempts to limit, modify or revoke such guarantor's
guarantee of this Agreement or any other loan with Lender; (D) Borrower has
applied funds provided pursuant to this Agreement for purposes other than those
authorized by Lender; or (E) Lender in good faith believes itself insecure.

CONTINUING VALIDITY. Except as expressly changed by this Agreement, the terms of
the original obligation or obligations, including all agreements evidenced or
securing the obligation(s), remain unchanged and in full force and effect.
Consent by Lender to this Agreement does not waive Lender's right to strict
performance of the obligation(s) as changed, nor obligate Lender to make any
future change in terms. Nothing in this Agreement will constitute a satisfaction
of the obligation(s). It is the intention of Lender to retain as liable parties
all makers and endorsers of the original obligation(s), including accommodation
parties, unless a party is expressly released by Lender in writing. Any maker or
endorser, including accommodation makers, will not be released by virtue of this
Agreement. If any person who signed the original obligation does not sign this
Agreement below, then all persons signing below acknowledge that this Agreement
is given conditionally, based on the representation to Lender that the
non-signing party consents to the changes and provisions of this Agreement or
otherwise will not be released by it. This waiver applies not only to any
initial extension, modification or release, but also to all such subsequent
actions.

LOAN AGREEMENT. An exhibit, titled "Loan Agreement", is attached to this note
and by this reference is made a part of this note just as if all the provisions,
terms and conditions of the Loan Agreement had been fully set forth in this
note.

SUCCESSORS AND ASSIGNS. Subject to any limitations stated in this Agreement on
transfer of Borrower's interest, this Agreement shall be binding upon and inure
to the benefit of the parties, their successors and assigns. If ownership of the
Collateral becomes vested in a person other than Borrower, Lender, without
notice to Borrower, may deal with Borrower's successors with reference to this
Agreement and the Indebtedness by way of forbearance or extension without
releasing Borrower from the obligations of this Agreement or liability under the
Indebtedness.

MISCELLANEOUS PROVISIONS. Lender may delay or forgo enforcing any of its rights
or remedies under this Agreement without losing them. Borrower and any other
person who signs, guarantees or endorses this Agreement, to the extent allowed
by law, waive presentment, demand for payment, and notice of dishonor. Upon any
change in the terms of this Agreement, and unless otherwise expressly stated in
writing, no party who signs this Agreement, whether as maker, guarantor,
accommodation maker or endorser, shall be released from liability. All such
parties agree that Lender may renew or extend (repeatedly and for any length of
time) this loan or release any party or guarantor or collateral; or impair, fail
to realize upon or perfect Lender's security interest in the collateral; and
take any other action deemed necessary by Lender without the consent of or
notice to anyone. All such parties also agree that Lender may modify this loan
without the consent of or notice to anyone other than the party with whom the
modification is made. The obligations under this Agreement are joint and
several.

SECTION DISCLOSURE. This loan is made under Minnesota Statutes, Section 47.59.
<PAGE>

                             CHANGE IN TERMS AGREEMENT                    PAGE 3
LOAN NO 90241693                   (CONTINUED)

PRIOR TO SIGNING THIS AGREEMENT, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS
OF THIS AGREEMENT, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. BORROWER
AGREES TO THE TERMS OF THE AGREEMENT.

BORROWER.

DIGITAL BIOMETRICS, INC.

By: /s/ Robert F. Gallagher
    -------------------------------------------
     Robert F. Gallagher, Vice President/CFO of
     DIGITAL BIOMETRICS, INC.

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