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                                                                   EXHIBIT 10.12

                                 PROMISSORY NOTE

                                                               LIVONIA, MICHIGAN
$20,000.00                                                      OCTOBER 26, 2005

FOR VALUE RECEIVED, the undersigned, Muslim Media Network, Inc., a Michigan
corporation ("MAKER"), whose address is 29004 West Eight Mile Road, Farmington,
Michigan, 48336, hereby promises and agrees to pay to the order of A.S. NAKADAR,
M.D., ("Holder"), whose address is 3707 Durham Court, Bloomfield Hills,
Michigan, the principal sum of TWENTY THOUSAND DOLLARS ($20,000), together with
interest thereon at the rate of SEVEN AND 25/100 PERCENT (7.25%) per annum on
the unpaid balance.

All accrued and unpaid interest and all principal balance shall be due no later
than October 26, 2006.

Payment shall be due and payable at holder's address shown above. Payment shall
be delivered to Holder at address shown above, or shall be made as otherwise
directed by Holder in writing. Maker may prepay this Note at any time with no
prepayment penalty or premium.

Maker hereby waives presentment, demand, notice of dishonor, protest, notice of
protest and non-payment, and further waives all exemptions to which the Maker
may now or hereafter be entitled under the laws of this state or any other state
of the United States and further agrees that the holder shall have the right to
grant the Maker any extension of time for payment without in any way affecting
the liability of the Maker and the rights the holder may have hereunder. Failure
of the holder to exercise any rights or remedies shall not constitute a waiver
of such right to exercise the same at that or any other time.

In addition to payment of principal and interest, Maker promises and agrees to
pay the Holder reasonable attorney's fees, court costs, and all other costs and
expenses incurred in collecting or attempting to collect this Note if Maker is
in default.

The unpaid balance of this Note, together with all interest accrued thereon
shall become immediately due and payable upon the occurrence of any of the
following events (and "in the event of default"):

      1. At the option of Holder, if Maker shall fail to pay any payment
hereunder and such failure shall continue for a period of five (5) days after
the date such payment was due;

      2. Immediately, and without any further action by Holder if Maker shall:
(a) become insolvent, (b) make an assignment for the benefit of creditors, (c)
commence any

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procedure under any bankruptcy, reorganization, or liquidation law of any
jurisdiction, or (d) sell, transfer or otherwise dispose of substantially all of
its assets.

This Note is made and delivered in the State of Michigan and shall be governed
by and construed in accordance with the laws of the State of Michigan.

                                          MAKER:
                                          MUSLIM MEDIA NETWORK, INC.

                                          /s/ A. S. Nakadar
                                          ---------------------------------
                                          By: A. S. NAKADAR, M.D.
                                          Its: President<PAGE>
                                                                    EXHIBIT 10.1

             FEES FOR DIRECTORS OF COMMUNITY SHORES BANK CORPORATION
                            AND COMMUNITY SHORES BANK

     On October 26, 2005, the Boards of Directors of Community Shores Bank
Corporation (the "Company") and its subsidiary, Community Shores Bank (the
"Bank") approved increases to the annual retainer and meeting fees for
non-employee directors. The increases will become effective as of January 1,
2006. Details of the adopted compensation arrangement are as follows:

     The non-employee directors of the Company and the Bank will each be paid,
in aggregate, an annual retainer of $2,000. Non-employee directors of the
Company and the Bank will also receive a fee of $250 for each meeting of the
Board of Directors or a committee of the Board of Directors that they attend.
The Chairman of the Board is to receive an additional $150 for each meeting of
the Board of Directors that he chairs. All committee chairmen will receive an
additional $50 for each committee meeting that they chair. When meetings are
held on the same day of the Boards of Directors of the Company and the Bank, or
of committees of the Company and the Bank performing similar functions,
directors usually receive only one meeting and chairperson fee for the two Board
or committee meetings.<PAGE>
                                                                    EXHIBIT 4.10

                               FIFTH AMENDMENT TO
                                CREDIT AGREEMENT

      THIS FIFTH AMENDMENT ("Amendment") dated as of October 19, 2005, by and
between Perceptron, Inc. ("Company") and Comerica Bank, a Michigan banking
corporation ("Bank").

                                    RECITALS:

      A.    Company and Bank entered into a Credit Agreement dated as of October
24, 2002, which was amended by four amendments ("Agreement").

      B.    Company and Bank desire to amend the Agreement as hereinafter set
forth.

      NOW, THEREFORE, the parties agree as follows:

      1.    The definition of "Revolving Credit Maturity date" in Section 1 of
the Agreement is amended to read in its entirety as follows:

            "'Revolving Credit Maturity Date' shall mean November 1, 2007.

      2.    Section 8.1 of the Agreement is amended to read in its entirety as
follows:

            "Purchase, acquire or redeem any of its stock or make any material
      change in its capital structure, except (a) redemption of Company's stock
      during the period beginning August 10, 2004 and ending June 30, 2005 for
      an aggregate purchase price not to exceed Two Million Dollars ($2,000,000)
      and (b) redemptions of Company's stock during the period beginning
      September 12, 2005 and ending June 30, 2006 for an aggregate purchase
      price not to exceed Five Million Dollars ($5,000,000); provided that at
      the time of each such redemption and after giving effect thereto no Event
      of Default shall have occurred and be continuing."

      3.    Company hereby represents and warrants that, after giving effect to
the amendments contained herein, (a) execution, delivery and performance of this
Amendment and any other documents and instruments required under this Amendment
or the Agreement are within Company's corporate powers, have been duly
authorized, are not in contravention of law or the terms of Company's Articles
of Incorporation or Bylaws, and do not require the consent or approval of any
governmental body, agency, or authority; and this Amendment and any other
documents and instruments required under this Amendment or the Agreement, will
be valid and binding in accordance with their terms; (b) the continuing
representations and warranties of Company set forth in Sections 6.1 through 6.5
and 6.7 through 6.12 of the Agreement are true and correct on and as of the date
hereof with the same force and effect as made on and as of the date hereof; (c)
the continuing representations and warranties of Company set forth in Section
6.6 of the Agreement are true and correct as of the date hereof with respect to
the most recent financial statements furnished to the Bank by Company in
accordance with Section 7.1 of the Agreement; and (d) no Event of Default (as
defined in the Agreement) or condition or event

                                       1
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which, with the giving of notice or the running of time, or both, would
constitute an Event of Default under the Agreement, as hereby amended, has
occurred and is continuing as of the date hereof.

      4.    Except as expressly provided herein, all of the terms and conditions
of the Agreement remain unchanged and in full force and effect.

      5.    This Amendment shall be effective upon (a) execution of this
Agreement by Company and the Bank and (b) execution by the Guarantor of the
attached Acknowledgment of Guarantor.

      IN WITNESS the due execution hereof as of the day and year first above
written.

COMERICA BANK                                PERCEPTRON, INC.

By:  /s/ Sarah Kwiatkowski                   By:  /s/ John Garber
     -------------------------                    ------------------------------
Its: Account Officer                         Its: Vice President

                                       2

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                           ACKNOWLEDGMENT OF GUARANTOR

      The undersigned guarantor acknowledges and agrees to the foregoing
Amendment and confirms that the Guaranty dated October 24, 2002, executed and
delivered by the undersigned to the Bank remains in full force and effect in
accordance with its terms.

                                                  PERCEPTRON GLOBAL, INC.

                                                  By:  /s/ John Garber
                                                       ------------------------
                                                  Its: Vice President

                                       3<PAGE>
                                                                   Exhibit 10(a)

September 21, 2005

             AMENDMENT TO ALFRED H. RACINE III EMPLOYMENT AGREEMENT
                   WITH CATUITY INC. DATED SEPTEMBER 23, 2004

The Employment Agreement of Alfred H. Racine dated September 23, 2004 with
Catuity Inc. ("Agreement") is hereby amended, effective September 7, 2005 as
follows. All terms and conditions in the Employment Agreement that have not been
amended as part of this Amendment shall remain in full force and effect.

Section 2. Term - The term of this agreement will be extended until Sept. 30,
2007.

Section 8. Base Salary Compensation - The Executive's salary shall be subject to
a 5% increase on September 23, 2006.

Section 9. Other Benefits - Mr. Racine will be allowed to carry over his
vacation time from year to year so long as is careful not to use this
accumulated vacation in a manner that causes harm to the company. Additionally,
the company will continue reimburse Mr. Racine for his individual medical
policy. So long as the Executive presents the required documentation to the
company and the reimbursable amount remains below the $1,000 monthly cap, the
Company will pay the current premium amount. Finally, the company will put in
place a key man life insurance policy on the Executive with $1MM of the face
amount being payable to the estate of Mr. Racine in the event of his death. Mr.
Racine will be allowed to pay an additional amount on the policy to increase the
death benefit to his family.

Section 9 (b) Cash Bonus - A cash bonus of $30,000 will be paid in the first pay
period following the date this Amendment is signed. The bonus is in recognition
of the significant additional work undertaken by Mr. Racine in the past calendar
year.

Section 10 (a) Stock Options & Restricted Stock Grant - Effective on the latter
of September 23, 2005 or the date the Amendment is signed by Mr. Racine, and
subject to shareholder approval, 50,000 options will be awarded that expire
September 23, 2015 at a grant price equal to the average of the last 30 days
trading price of Catuity common stock on Nasdaq as of the effective date. The
50,000 options will vest on the following schedule: 25% upon execution of this
agreement, 25% upon the first anniversary of this agreement; and the remaining
50% upon the second anniversary of the date of the signing. The option grant
will be memorialized using the current company stock option form.

In addition, on the latter of September 23, 2005 or the date the Amendment is
signed, and subject to shareholder approval, 100,000 shares of restricted stock
will be awarded to Mr. Racine. 33,334 restricted shares will vest when the 30
day average closing price on the NASDAQ exceeds $15.00. 33,333 restricted shares
will vest when the 30 day average closing price on the NASDAQ exceeds $20.625.
33,333 restricted shares will vest when the 30 day average closing price on
NASDAQ exceeds $26.25. In the event Mr. Racine voluntarily resigns or there is a
"Termination for Cause" (as defined in the Nonqualified Stock Option Agreement
signed between Mr. Racine and the Company on September 23, 2004) by the Company
for cause, all unvested restricted shares will be forfeited. If shareholders do
not approve the grant at the next shareholder meeting, then all of the
restricted shares will be forfeited. However, the restricted shares will vest
upon a change of control where executive loses his position as long as the
consideration to Catuity shareholders is greater than $10.00 per share.

Additionally, Mr. Racine will be eligible for a 2006 bonus plan if the company
achieves positive EBITDA including the effect of bonuses, he will receive a
restricted share bonus equal to 50% of salary. If the company has at least nine
months operating positive cash flow at the time of the award, Mr. Racine may
elect to receive 1/2 of the bonus amount ($62,500) in cash and reduce the
restricted shares proportionally. These shares will be granted based on the 30
day average closing price on NASDAQ for the last 30 trading days of 2006. The
restrictions on these shares will lapse in one year.

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In the event Mr. Racine voluntarily resigns, retires, or his employment with
Catuity is terminated with the Company during the term of this Amendment, all
vested options held as of the termination date will expire six (6) months
following the date of termination. If Mr. Racine's employment terminates due to
death or incapacity due to disability during the term of this Amendment his
vested options will expire one (1) year from the date of termination. Any
unvested options held as of the date of termination expire immediately without
regard to the reason for termination. The foregoing restrictions on stock and
options shall apply only to options and restricted stock granted under this
amendment.

Section 13 Termination by Company - If Mr. Racine is terminated after a "Change
of Control Transaction" (as defined in the Nonqualified Stock Option Agreement
signed between Mr. Racine and the Company on September 23, 2004) where the
consideration to Catuity shareholders for the change of control is greater than
$10.00 per share he will receive severance in an amount equal to the greater of
12 months salary or the balance of this contract.

Signed: /s/ Clifford W. Chapman         Signed: /s/ Alfred H. (John) Racine
        ----------------------------            --------------------------------
Clifford W. Chapman                     Alfred H. (John) Racine
Chairman of the Compensation            President & CEO
Committee

Date Signed: 10/5/05                    Date Signed: 10/5/05

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