Document:

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                                                                   EXHIBIT 10.28

Loan No.:
         ------------------------------------------------

                                 PROMISSORY NOTE

$75,000                                  November 2, 1999
                                         Phoenix, Arizona

Interest Rate:             Prime Rate plus 250
                           Basis Points (see Section 3 below).

Maturity Date:             September 15, 2000 (see Section 6 below).

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         1. FOR VALUE RECEIVED, MOBILITY ELECTRONICS, INC., f/k/a Electronics
Accessory Specialists International, Inc. a Delaware corporation ("Borrower"),
promise(s) to pay to the order of BANK OF AMERICA N.A. successor by merger to
NationsBank, N.A., (the "Bank"), at Bank's Home Office in Phoenix, Arizona, or
at such other place as Bank may from time to time designate, the principal sum
of Seventy Five Thousand Dollars ($75,000), plus interest thereon from the date
of the respective advances until paid. This Promissory Note (this "Note")
evidences a loan (the "Loan") from Bank to Borrower pursuant to that certain
Amended and Restated Business Loan Agreement dated of even date herewith (the
"Loan Agreement").

         2. This Note is secured by a Security Agreement dated of even date
herewith, a Pledge of Certificate of Deposit ($150,000) dated of even date
herewith, a Pledge of Certificate of Deposit ($75,000) dated of even date
herewith, and a Patent Collateral Assignment and Security Agreement,
(collectively, the "Security Documents"), covering certain property as therein
described (the "Property"). It may also be secured by other collateral. This
Note and the Security Documents are among several Loan Documents, as defined and
designated in the Loan Agreement, between Bank and Borrower and several
guarantors. Some or all of the Loan Documents, including the Extension
Agreement, contain provisions for the acceleration of the maturity of this Note.

         3. The principal sum outstanding from time to time under this Note
shall bear interest at the Prime Rate plus Two Hundred Fifty (250) basis points
per year, as the same may change from time to time (the "Prime-based Rate"). As
used herein, the "Prime Rate" means the per annum rate of interest publicly
announced from time to time by Bank at San Francisco, California, as its Prime
Rate. The Prime Rate is set by Bank based on various factors, including its
costs and desired return, general economic conditions and other factors, and is
used as a reference point for pricing some loans. Bank may price loans to its
customers at, above, or below the Prime Rate. Any change in the Prime Rate shall
take effect at the opening of business on the day specified in the public
announcement of a change in the Prime Rate.

         4. Accrued interest shall be payable on the first day of each month in
arrears, commencing on the first day of the first calendar month following the
date that the beneficiary of that certain letter of credit in the amount of
$150,000 (as described in the Loan Agreement) draws upon such letter of credit
and on the first day of each calendar month thereafter through its Maturity
Date. Interest shall be calculated on the basis of a 360-day year on actual days
elapsed, which results in more interest than if a 365-day year were used.

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         5. For purposes of this Note, "interest" shall include any and all
interest payable as provided in this Note, together with any and all sums (the
"Additional Interest") payable by Borrower under any existing or future
agreement between Bank and Borrower. Borrower shall pay any and all Additional
Interest at the times and in the amounts specified in such agreements.

         6. All principal and all accrued and unpaid interest and all other
amounts payable hereunder shall be due and payable no later than September 15,
2000 ("Maturity Date").

         7. Borrower may prepay some or all of the principal under this Note,
without penalty or premium. All prepayments shall be applied first on late
charges and costs, if any, and then on interest then due and the remainder on
the principal balance. Any payment of principal hereunder, in monthly payments
or otherwise, may not be reborrowed by Borrower.

         8. If Borrower fails to make any payment of principal or interest when
it is due and payable or upon the occurrence of any Event of Default as defined
hereunder, Borrower agrees to pay interest on the outstanding principal and
accrued and unpaid interest at an annual rate (the "Default Rate") of five
hundred (500) basis points in excess of the Prime-based Rate, from the date the
payment becomes due until Borrower pays in full all such amounts due under this
Note.

         9. From and after maturity of this Note, whether by acceleration or
otherwise, all sums then due and payable under this Note, including all
principal and all accrued and unpaid interest, shall bear interest until paid in
full at the Default Rate.

         10. If an "Event of Default", (as defined in the Loan Agreement)
occurs, at the holder's option, exercisable in its sole discretion, all sums of
principal and interest under this Note shall become immediately due and payable
without notice of default, presentment or demand for payment, protest or notice
of nonpayment or dishonor, or other notices or demands of any kind or character.

         11. It shall also be an "Event of Default" under this Note if Borrower
becomes the subject of any bankruptcy or other voluntary or involuntary
proceeding, in or out of court, for the adjustment of debtor-creditor
relationships ("Insolvency Proceeding"). If that happens all sums of principal
and interest under this Note shall automatically become immediately due and
payable without notice of default, presentment or demand for payment, protest or
notice of nonpayment or dishonor, or other notices or demands of any kind or
character.

         12. All amounts payable under this Note are payable in lawful money of
the United States during normal business hours on a Banking Day, as defined
below. Checks constitute payment only when collected.

         13. If any lawsuit or arbitration is commenced which arises out of or
relates to this Note, the Loan Documents or the Loan, the prevailing party shall
be entitled to recover from each other party such sums as the court (but not the
jury) or arbitrator may adjudge to be reasonable attorneys' fees in the action
or arbitration, in addition to costs and expenses otherwise allowed by law. In
all other situations, including any matter arising out of or relating to any
Insolvency Proceeding, Borrower agrees to pay all of Bank's costs and expenses,
including attorneys' fees, which may be incurred in enforcing or protecting
Bank's rights or interests. From the time(s) incurred until paid in full to
Bank, all such sums shall bear interest at the Default Rate.

         14. Whenever Borrower is obligated to pay or reimburse Bank for any
attorneys' fees, those fees shall include the allocated costs for services of
in-house counsel.

         15. This Note is governed by the laws of the State of Arizona, without
regard to the choice of law rules of that State.

         16. Borrower agrees that the holder of this Note may accept additional
or substitute security for this Note, or release any security or any party
liable for this Note, or extend or renew this Note, all without notice to
Borrower and without affecting the liability of Borrower.

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         17. If Bank delays in exercising or fails to exercise any of its rights
under this Note, that delay or failure shall not constitute a waiver of any of
Bank's rights, or of any breach, default or failure of condition of or under
this Note. No waiver by Bank of any of its rights, or of any such breach,
default or failure of condition shall be effective, unless the waiver is
expressly stated in a writing signed by Bank. All of Bank's remedies in
connection with this Note, or any of the other Loan Documents or under
applicable law shall be cumulative, and Bank's exercise of any one or more of
those remedies shall not constitute an election of remedies.

         18. This Note inures to and binds the heirs, personal representatives,
successors and assigns of Borrower and Bank; provided, however, that Borrower
may not assign this Note or any Loan funds, or assign or delegate any of its
rights or obligations without the prior written consent of Bank in each
instance. Bank in its sole discretion may transfer this Note, and may sell or
assign participations or other interests in all or part of the Loan, on the
terms and subject to the conditions of the Loan Documents, all without notice to
or the consent of Borrower. Also without notice to or the consent of Borrower,
Bank may disclose to any actual or prospective purchaser of any securities
issued or to be issued by Bank, and to any actual or prospective purchaser or
assignee of any participation or other interest in this Note, the Loan or any
other loans made by Bank to Borrower (whether evidenced by this Note or
otherwise), any financial or other information, data or material in Bank's
possession relating to Borrower, the Loan or the Property, including any
improvements on it. If Bank so requests, Borrower shall sign and deliver a new
note to be issued in exchange for this Note.

         19. As used in this Note, the terms "Bank", "holder" and "holder of
this Note" are interchangeable. As used in this Note, the word "include(s)"
means "include(s), without limitation", and the word "including" means
"including, but not limited to." The term "Banking Day" is defined to mean a day
other than a Saturday or Sunday, on which Bank is open for business in Phoenix,
Arizona.

         20. If more than one person or entity are signing this Note as
Borrower, their obligations under this Note shall be joint and several.

         21. Each periodic payment shall be credited first on late charges and
costs of collection, if any, and then on interest then due and the remainder on
principal, and interest shall thereupon cease upon the principal so credited.

         22. Time is of the essence of each and every obligation set forth
herein, including without limitation, payment.

         23. The makers, endorsers, and guarantors of this Note jointly and
severally waive diligence, demand, presentment for payment, protest, notice of
non-payment and of protest, notice of default, notice of acceleration and all
other notices or demands of any kind. They jointly and severally consent,
without notice to them and without release of their liability to extensions and
accommodations given by the holder of this Note, the release notifications and
exchanges of any security, and to release, in whole or in part, of any other
maker, endorser or guarantor, and they each agree to make payment without the
prior consent by the holder to any security or against any other maker, endorser
or guarantor.

         24. Borrower has caused this Note to be executed by its officers, who
were duly authorized and directed to do so by a resolution of its Board of
Directors which was duly passed and adopted by the requisite number of members
of the Board at a meeting which was duly called, noticed, and held or by a duly
adopted Action by the Unanimous Written Consent of the Board of Directors.

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Borrower:                                            Mailing Address:

Mobility Electronics, Inc., f/k/a                    7955 E. Redfield Road
Electronics Accessory Specialists                    Scottsdale, AZ 85260
International, Inc., a Delaware corporation          ATTN:  Charles Mollo

By: /s/ RICHARD W. WINTERICH
   -----------------------------
Name: Richard W. Winterich
     ---------------------------
Title: Vice President & CFO
      --------------------------

STATE OF ARIZONA           )
                           ) ss.
COUNTY OF MARICOPA         )

         The foregoing instrument was acknowledged before me this 2nd day of
November, 1999 by Richard W. Winterich the Vice President & CFO of Mobility
Electronics, a(n) Delaware corporation, on behalf of the Borrower.

My commission expires:                                   /s/ LYNDA H. FRANCIS
                                                     ---------------------------
January 11, 2003                                             Notary Public
-----------------------
(SEAL)

                                       4<PAGE>   1
                                                                   EXHIBIT 10.29

                          RESTATED CONTINUING GUARANTY
                                    (BREEZE)

To:      BANK OF AMERICA N.A. and other
         subsidiaries or affiliates of BankAmerica Corporation

         (1) For valuable consideration, Janice Breeze ("Guarantor")
unconditionally guarantees and promises to pay to BANK OF AMERICA N.A. and any
other subsidiary or affiliate of BankAmerica Corporation (each, a "Bank") which
has extended or may hereafter extend credit to Borrower (as hereinafter
defined), or order, on demand, in lawful money of the United States, One Million
Eight Hundred Thousand Dollars ($1,800,000) of indebtedness of MOBILITY
ELECTRONICS, INC., f/k/a Electronics Accessory Specialists International, Inc. a
Delaware corporation ("Borrower") to Bank. The word "indebtedness" is used
herein in its most comprehensive sense and includes any and all advances, debts,
obligations and liabilities of Borrower or any one or more of them, heretofore,
now, or hereafter made, incurred or created, whether voluntary or involuntary
and however arising, whether direct or acquired by Bank by assignment or
succession, whether due or not due, absolute or contingent, liquidated or
unliquidated, determined or undetermined, and whether Borrower may be liable
individually or jointly with others, or whether recovery upon such indebtedness
may be or hereafter become barred by any statute of limitations, or whether such
indebtedness may be or hereafter become otherwise unenforceable. This Restated
Continuing Guaranty restates, and replaces in its entirety, that certain
Commercial Guaranty dated April 6, 1999 executed by Guarantor in favor of Bank.

         (2) The liability of Guarantor under this Guaranty (exclusive of
liability under any other guaranties executed by Guarantor) shall be limited to:
One Million Eight Hundred Thousand Dollars ($1,800,000) of: (a) the principal
amount of the indebtedness; and (b) accrued but unpaid interest. In addition to
the obligations set forth in the immediately preceding sentence, Guarantor shall
be liable for all fees, and other costs and expenses relating to or arising out
of the enforcement of any rights or remedies of Bank under this Guaranty. Bank
may permit the indebtedness of Borrower to exceed Guarantor's liability, and may
apply any amounts received from any source, other than from Guarantor, to the
unguaranteed portion of Borrower's indebtedness. This is a Continuing Guaranty
relating to any indebtedness, including that arising under successive
transactions which shall either continue the indebtedness or from time to time
renew it after it has been satisfied. Any payment by Guarantor shall not reduce
their maximum obligation hereunder, unless written notice to that effect be
actually received by Bank at or prior to the time of such payment.

         (3) The obligations hereunder are joint and several, and independent of
the obligations of Borrower, and a separate action or actions may be brought and
prosecuted against Guarantor whether action is brought against Borrower or
whether Borrower be joined in any such action or actions and regardless of
whether a trustee's sale is held under any deed of trust securing the
indebtedness or regardless of whether a judicial foreclosure sale is held if any
deed of trust securing the indebtedness is judicially foreclosed as a mortgage.
Guarantor waives the benefit of any statute of limitations affecting her
liability hereunder.

         (4) Guarantor authorizes Bank, without notice or demand and without
affecting their liability hereunder, from time to time, either before or after
revocation hereof, to (a) renew, compromise, extend, accelerate or otherwise
change the time for payment of, or otherwise change the terms of the
indebtedness or any part thereof, including increase or decrease of the rate of
interest thereon; (b) receive and hold security for the payment of this Guaranty
or the indebtedness guaranteed, and exchange, enforce, waive, release, fail to
perfect, sell, or otherwise dispose of any such security; (c) apply such
security and direct the order or manner of sale thereof as Bank in its
discretion may determine, except to the extent specifically prohibited by law;
and (d) release or substitute any one or more of the endorsers or guarantors.

         (5) Guarantor waives any right to require Bank to (a) proceed against
Borrower; (b) proceed against or exhaust any security held from Borrower; or (c)
pursue any other remedy in Bank's power whatsoever. Guarantor waives any defense
arising by reason of any disability or other defense of Borrower, or the
cessation from any cause whatsoever of the liability of Borrower, or any claim
that Guarantor's obligations exceed or are more burdensome than those of
Borrower. Guarantor waives any right of subrogation,

<PAGE>   2

reimbursement, indemnification, and contribution (contractual, statutory or
otherwise), including without limitation, any claim or right of subrogation
under the Bankruptcy Code (Title 11 of the U.S. Code) or any successor statute,
arising from the existence or performance of this Guaranty and Guarantor waives
any right to enforce any remedy which Bank now has or may hereafter have against
Borrower, and waive any benefit of, and any right to participate in, any
security now or hereafter held by Bank. Upon payment of the indebtedness in full
to the Bank and upon payment by Guarantor to Bank pursuant to this Guaranty,
Guarantor shall have full rights of subrogation against Borrower. Bank may
foreclose, either by judicial foreclosure or by exercise of power of sale, any
deed of trust securing the indebtedness, and, even though the foreclosure may
destroy or diminish Guarantor's rights against Borrower, Guarantor shall be
liable to Bank for any part of the indebtedness remaining unpaid after the
foreclosure. Guarantor waives any benefit of any statutory provision limiting
the right of Bank to recover a deficiency judgment, or to otherwise proceed,
against any person or entity obligated for payment of the indebtedness, after
any judicial foreclosure sale or trustee's sale of any collateral securing the
indebtedness including, without limitation, the benefits, if any, of Arizona
Revised Statutes Sections 12-1566, 12-1641 et seq., 33-814, 44-142 and Rule
17(f) of the Arizona Rules of Civil Procedure, except to the extent otherwise
required by law. Guarantor waives any homestead or exemption rights. Guarantor
waives all presentments, demands for performance, notices of nonperformance,
protests, notices of protest, notices of dishonor, and notices of acceptance of
this Guaranty and of the existence, creation, or incurring of new or additional
indebtedness.

         (6) Guarantor acknowledges and agrees that she shall have the sole
responsibility for obtaining from Borrower such information concerning
Borrower's financial conditions or business operations as Guarantor may require,
and that Bank has no duty at any time to disclose to Guarantor any information
relating to the business operations or financial conditions of Borrower.

         (7) In addition to Bank's rights of setoff, to secure all of
Guarantor's obligations hereunder, Guarantor assigns and grants to Bank a
security interest in all moneys, securities and other property of Guarantor now
or hereafter in the possession of Bank, and all deposit accounts of Guarantor
maintained with Bank, and all proceeds thereof. Upon default or breach of any of
Guarantor's obligations to Bank, Bank may apply any deposit account to reduce
the indebtedness, and may foreclose any collateral as provided in the Uniform
Commercial Code and in any security agreements between Bank and Guarantor.

         (8) Any obligations of Borrower to Guarantor, now or hereafter
existing, including but not limited to any obligations to Guarantor as subrogees
of Bank or resulting from Guarantor's performance under this Guaranty, are
hereby subordinated to the indebtedness. Such obligations of Borrower to
Guarantor if Bank so requests shall be enforced and performance received by
Guarantor as trustees for Bank and the proceeds thereof shall be paid over to
Bank on account of the indebtedness of Borrower to Bank, but without reducing or
affecting in any manner the liability of Guarantor under the provisions of this
Guaranty.

         (9) This Guaranty may be revoked at any time by Guarantor in respect to
future transactions, unless there is a continuing consideration as to such
transactions which Guarantor does not renounce. Such revocation shall be
effective upon actual receipt by Bank at the address shown below of written
notice of revocation. Revocation shall not affect any of Guarantor's obligations
or Bank's rights with respect to transactions which precede Bank's receipt of
such notice, regardless of whether or not the indebtedness related to such
transactions, before or after revocation, has been renewed, compromised,
extended, accelerated, or otherwise changed as to any of its terms, including
time for payment or increase or decrease of the rate of interest thereon, and
regardless of any other act or omission of Bank authorized hereunder. Revocation
by any one or more of Guarantor shall not affect any obligations of any
nonrevoking Guarantor. If this Guaranty is revoked, returned, or canceled, and
subsequently any payment or transfer of any interest in property by Borrower to
Bank is rescinded or must be returned by Bank to Borrower, this Guaranty shall
be reinstated with respect to any such payment or transfer, regardless of any
such prior revocation, return, or cancellation.

         (10) Where any one or more of Borrower are corporations or partnerships
it is not necessary for Bank to inquire into the powers of Borrower or of the
officers, directors, partners or agents acting or purporting to act on their
behalf, and any indebtedness made or created in reliance upon the professed
exercise of such powers shall be guaranteed hereunder.

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<PAGE>   3

         (11) Bank may, without notice to Guarantor and without affecting
Guarantor's obligations hereunder, assign the indebtedness and this Guaranty, in
whole or in part. Guarantor agrees that Bank may disclose to any prospective
purchaser and any purchaser of all or part of the indebtedness any and all
information in Bank's possession concerning Guarantor, this Guaranty and any
security for this Guaranty.

         (12) Guarantor agrees to pay all attorneys' fees, the allocated costs
of Bank's in-house counsel, and all other costs and expenses which may be
incurred by Bank in the enforcement of this Guaranty, including without
limitation all costs and necessary disbursements in any legal action or
arbitration proceeding.

         (14) This Guaranty shall be governed by and construed according to the
laws of the State of Arizona, to the jurisdiction of which the parties hereto
submit; provided, however, this Guaranty shall be governed by New Mexico law to
the extent of application of marital interests and rights to bind property of a
Guarantor and/or his spouse.

         (15) (a) Any controversy or claim between or among the parties,
including but not limited to those arising out of or relating to this Guaranty
or any agreements or instruments relating hereto or delivered in connection
herewith and any claim based on or arising from an alleged tort, shall at the
request of any party be determined by arbitration. The arbitration shall be
conducted in accordance with the United States Arbitration Act (Title 9, U.S.
Code), notwithstanding any choice of law provision in this Guaranty, and under
the Commercial Rules of the American Arbitration Association ("AAA"). The
arbitrator(s) shall give effect to statutes of limitation in determining any
claim. Any controversy concerning whether an issue is arbitrable shall be
determined by the arbitrator(s). Judgment upon the arbitration award may be
entered in any court having jurisdiction. The institution and maintenance of an
action for judicial relief or pursuit of a provisional or ancillary remedy shall
not constitute a waiver of the right of any party, including the plaintiff, to
submit the controversy or claim to arbitration if any other party contests such
action for judicial relief.

                  (b) No provision of this paragraph shall limit the right of
any party to this Guaranty to exercise self-help remedies such as setoff, to
foreclose against or sell any real or personal property collateral or security,
or to obtain provisional or ancillary remedies from a court of competent
jurisdiction before, after, or during the pendency of any arbitration or other
proceeding. The exercise of a remedy does not waive the right of either party to
resort to arbitration. At Bank's option, foreclosure under a deed of trust or
mortgage may be accomplished either by exercise of power of sale under the deed
of trust or mortgage or by judicial foreclosure.

         Executed this 2nd day of November, 1999.

                                   "Guarantor"

                                   /s/  JANICE L. BREEZE
                                   ---------------------------------------------
                                   Janice Breeze

Address for notices to Bank:

101 North 1st Avenue, Dept. 4934
Phoenix, AZ 85003
ATTN:
     ----------------------------

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