Document:

LIBERTY BANK
                             1994 Stock Option Plan

                                I. INTRODUCTION

      1.01. Establishment of Plan. The purpose of this Plan is to promote the
growth and development of Liberty Bank ("Liberty") by providing increased
incentives for key employees and directors of Liberty and of any Subsidiaries.
This Plan provides for the granting of (i) incentive stock options ("ISOs")
intended to qualify as such within the meaning of Section 422 of the Internal
Revenue Code of 1986, as amended from time to time and (ii) non-qualified stock
options ("NSOs").

      1.02. Effective Date. The effective date of the Plan shall be May 11,
1994, subject to approval of the Plan by shareholders of Liberty. Any option
granted prior to such shareholder approval shall be expressly conditioned upon
shareholder approval of the Plan.

                              II. PLAN DEFINITIONS

      2.01. Definitions. For Plan purposes, except where the context clearly
indicates otherwise, the following terms shall have the meanings set forth
below:

            (a) "Board" shall mean the Board of Directors of Liberty.

            (b) "Code" shall mean the Internal Revenue Code of 1986, as amended
      from time to time.

            (c) "Common Stock" shall mean Liberty's Common Stock, $5.00 par
      value, and such other stock and securities as may be substituted therefor
      pursuant to Section 3.02.

            (d) "Fair Market Value" on any date shall mean, with respect to
      Common Stock, the fair market value of such stock as determined in good
      faith by the Board.

            (e) "Subsidiary" shall mean any corporation in which Liberty owns,
      directly or indirectly, a voting stock interest of more than fifty percent
      (50%).

                         III. SHARES SUBJECT TO OPTION

      3.01. Available Shares. The shares available for options of whatever type
under this Plan shall be 82,500 shares of Liberty's common stock, and may be
authorized but unissued stock or stock issued and reacquired by Liberty. Shares
subject to and not issued under an option which expires, terminates or is
cancelled for any reason during the term of the Plan shall again become
available for the granting of options under the Plan.

      3.02. Changes in the Number of Available Shares. In the event of any
recapitalization, stock split or reverse split, combination or exchange of
shares, stock dividend, merger in which

<PAGE>

Liberty is the surviving corporation, combination or exchange of shares, or
other capital change affecting the common stock of Liberty, the Board shall make
equitable and appropriate changes in the aggregate number and kind of shares
available for which options may be granted under the Plan and in the number,
price and kind of shares covered by options granted or to be granted under the
Plan, provided that no changes shall be made in any ISO which would cause such
option to fail to continue to qualify as an incentive stock option within the
meaning of Section 422 of the Code.

                               IV. ADMINISTRATION

      4.01. Administration by the Board. The Board shall administer the Plan and
shall have the power, subject to and within the limits of the express provisions
of the Plan:

            (a) to determine from time to time which of the eligible persons
      shall be granted options under the Plan, the type of options, the time or
      times when, and the price per share and number of shares for which, an
      option or options shall be granted to such persons;

            (b) to prescribe the other terms and provisions (which need not be
      identical) of each option granted under the Plan to eligible persons;

            (c) to construe and interpret the Plan and options granted under it,
      and to establish, amend and revoke rules and regulations for Plan
      administration. The Board, in the exercise of this power, may correct any
      defect or supply any omission, or reconcile any inconsistency in the Plan,
      in any option agreement, in the manner and to the extent it shall deem
      necessary or expedient to make the Plan fully effective. All decisions and
      determinations by the Board in exercising this power shall be final and
      binding upon Liberty and the optionees; and

            (d) generally, to exercise such power and to perform such acts as
      are deemed necessary or expedient to promote the best interests of Liberty
      with respect to the Plan.

                           V. ELIGIBILITY FOR OPTIONS

      5.01. Eligible Persons. Key employees of Liberty or any Subsidiary shall
be eligible to receive ISOs or NSOs. Any director of Liberty who is not an
employee of Liberty or any Subsidiary shall be eligible to receive NSOs only.

      5.02. Grant of Options. From among all eligible persons, the Board shall
determine from time to time those persons to whom options shall be granted. No
person shall have any right whatsoever to receive an option unless so determined
by the Board.

                        VI. OPTION TERMS AND CONDITIONS

      6.01. Option Contracts. Options granted hereunder shall be evidenced by
option contracts containing such terms and conditions as the Board shall
establish from time to time

                                      -2-
<PAGE>

consistent with the Plan. Option contracts need not be identical but each option
contract shall, as appropriate, contain language including the substance of the
following provisions:

            (a) Number of Shares and Price. Each option contract shall state the
      number of shares to which it pertains and the option price therefor. Such
      price shall be not less than 100% of the fair market value of the shares
      on the date such option is granted. Notwithstanding any other provision in
      this Plan, for any eligible employee who, at the time an ISO is granted,
      owns (directly and under the attributable rules of Section 425(d) of the
      Code) stock possessing more than 10% of the total combined voting power of
      Liberty (or any parent or Subsidiary) the option price under such ISO
      shall be not less than 110% of the fair market value of the shares subject
      to such ISO and such option, by its terms, shall not be exercisable after
      the expiration of five years from the date such option is granted.

            (b) Vesting of Options. Options shall become vested and exercisable
      in accordance with the terms of each option agreement, which shall be
      established by the Board. No fractional shares shall be issuable on
      exercise of any option and if the application of the vesting percentage
      set forth in any option agreement would result in a fractional share, the
      number of shares exercisable shall be rounded up to the next full share.
      Finally, the maximum fair market value of Liberty stock (determined at the
      time of grant) covered by ISOs that first become exercisable by any
      optionee in any calendar year is limited to $100,000.

            (c) Term of Options and Restriction on Exercise. Each stock option
      agreement shall state the period or periods of time within which the
      option may be exercised by the Optionee, in whole or in part, which shall
      be the period or periods of time as may be determined by the Board,
      provided that: (a) No option term for an ISO may exceed ten (10) years
      from the date the option is granted, and (b) No option may be treated as
      an incentive stock option unless the optionee exercises the option while
      employed by Liberty or a Subsidiary or within three months after
      termination of employment, or if termination is caused by death or
      disability, within one year after such termination. Although Liberty
      intends to exert its best efforts so that the shares purchasable upon the
      exercise of an option will be registered under, or exempt from the
      registration requirements of the federal Securities Act of 1933 and any
      applicable state securities law at the time the option becomes
      exercisable, if the exercise of an option would otherwise result in the
      violation by Liberty of any provision of such Act or of any state
      securities law, Liberty may require that such exercise be deferred until
      Liberty has taken appropriate action to avoid any such violation.

            (d) Non-transferability. Options granted pursuant to the Plan shall
      not be transferable except by will or the laws of descent and
      distribution, and shall be exercisable during the optionee's lifetime only
      by the optionee or by his/her guardian or legal representative. No options
      or any privileges pertaining thereto shall be transferred, assigned,
      pledged or hypothecated in any way, whether by option of law or otherwise,
      nor be subject to execution, attachment or similar process.

                                      -3-
<PAGE>

            (e) Method of Exercise and Payment of Purchase Price. Subject to (c)
      above, an option may be exercised, as to all or part of the shares covered
      by the option, by the optionee delivering to the corporate secretary at
      its principal business office on any business day, a written notice
      specifying the number of shares the optionee desires to purchase. The
      option price shall be paid in full in cash or, in the discretion of the
      Board, in shares of stock of Liberty, valued at its fair market value
      determined as of the date of exercise, or in a combination thereof.

      6.02. Rights as Shareholder. An optionee shall not be deemed the holder of
any shares covered by an option until such shares are fully paid and issued to
him/her after exercise of such option.

                         VII. CORPORATE SALE OR CHANGE

      7.01. Sale or Change of Liberty. In the event of a corporate sale or
change, as defined in Section 7.02, all options then outstanding shall be
immediately exercisable in full and the Board shall, or the board of directors
of any corporation assuming the obligations of Liberty hereunder, take action
regarding all outstanding and unexercised options pursuant to either clause (a)
or (b) below.

            (a) Appropriate provisions may be made for the protection of such
      options by the substitution on an equitable basis of appropriate shares of
      Liberty, or of the merged, consolidated or otherwise reorganized
      corporation, provided only that the excess of the aggregate fair market
      value of the shares subject to such options immediately before such
      substitution over the purchase price thereof is not more than the excess
      of the aggregate fair market value of the substituted shares made subject
      to option immediately after such substitution over the purchase price
      thereof; or

            (b) Upon written notice to the optionees, the Board may require that
      all options be exercised within a specific number of days of the date of
      such notice or they will be terminated on a stated date.

      7.02. Definition. The term "corporate sale or change" shall mean a
reorganization or merger or consolidation between Liberty and another
corporation in which Liberty is not the surviving corporation, the sale of
substantially all of the property of Liberty, the dissolution or liquidation of
Liberty, or a change in control of Liberty. The term "control" shall refer to
the acquisition of beneficial ownership of 50% or more of the voting securities
of Liberty by any person or persons acting as a group within the meaning of
Section 13(d) of the Securities Exchange Act of 1934. The term "person" refers
to an individual or a corporation, partnership, trust, association, joint
venture, pool, syndicate, sole proprietorship, unincorporated organization or
any other form of equity not specifically listed herein. Notwithstanding the
foregoing, the formation of a holding company which owns the stock of Liberty
will not be deemed a corporate sale or change; provided, however, that a
subsequent corporate sale or change of the holding company shall be deemed a
corporate sale or exchange under paragraph 7.01.

                                      -4-
<PAGE>

                              VIII. MISCELLANEOUS

      8.01. Term of Plan and Effective Date. Options may be granted under this
Plan at any time up until the expiration of ten years following the effective
date of the Plan; on which date the Plan shall expire, except as to outstanding
options, which options shall remain in effect until they have been exercised or
have expired.

      8.02. No Employment or Retention Agreement Intended. The grant of an
option hereunder shall not be deemed to imply the right to continued employment
or retention in service in any capacity by Liberty or a Subsidiary and shall not
constitute an employment agreement of any kind.

      8.03. Amendment or Discontinuance. The Board of Directors of Liberty may
amend or discontinue this Plan at any time, but may not, without the consent of
the optionee to whom an option has been granted, make any alteration in such
option which would adversely affect the same, or (except as provided in
paragraph 2.02 hereof) without the approval of the shareholders of Liberty, make
any alteration which would increase the aggregate number of shares available for
options under the Plan, decrease the minimum option price, extend the term of
the Plan or the maximum period during which any option may be exercised, or so
alter the Plan with respect to ISOs that ISOs issued under it would fail to meet
the requirements for incentive stock options under Section 422 of the Code.

      8.04. Liability. No member of the Board of Directors, or the officers or
employees of Liberty shall be personally liable for any action, omission or
determination made in good faith in connection with the Plan.

      8.05. Government and Other Regulations. The obligations of Liberty to sell
and deliver shares of stock under this Plan shall be subject to all applicable
laws, rules and regulations and the obtaining of all such approval by the
governmental agencies as may be deemed necessary or desirable by the Board of
Directors of Liberty, including (without limitation) the satisfaction of all
applicable federal, state and local tax withholding requirements.

      8.06. Withholding Taxes. The Board may require, as a condition to the
exercise of a NSO, that the optionee concurrently pay to Liberty the entire
amount or portion of any taxes which Liberty is required to withhold by reason
of such exercise, in such amount as the Board or Liberty in its discretion may
determine. The required withholding may be paid in cash or, in the discretion of
the Board, in shares of stock of Liberty to be issued upon exercise, valued at
their fair market value as of the date the withholding obligation arises, or in
a combination thereof. No distribution under the Plan shall be made in
fractional shares of Liberty's common stock but the proportional fair market
value thereof shall be paid in cash.

      8.07. Governing Law. This Plan and any option contracts extended pursuant
hereto shall be interpreted and enforced in accordance with the laws of the
State of Wisconsin.

                                      -5-EXHIBIT 10.19
                            CHANGE IN TERMS AGREEMENT
<TABLE>

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   PRINCIPAL       LOAN DATE      MATURITY         LOAN NO           CALL / COLL           ACCOUNT          OFFICER        INITIALS
<S>               <C>            <C>               <C>                                     <C>                <C>
 $2,000,000.00    06-29-2001     12-31-2001        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.
------------------------------------------------------------------------------------------------------------------------------------

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

PRINCIPAL AMOUNT: $2,000,000.00                    INITIAL RATE:  7.25%                 DATE OF AGREEMENT: JUNE 29, 2001

</TABLE>

DESCRIPTION OF EXISTING INDEBTEDNESS. PROMISSORY NOTE #90241693 DATED NOVEMBER
19,1999 IN THE ORIGINAL AMOUNT OF $2,000,000.00. CHANGE IN TERMS AGREEMENT DATED
NOVEMBER 19,2000. CHANGE IN TERMS AGREEMENT DATED JANUARY 31,2001. CHANGE IN
TERMS AGREEMENT DATED APRIL 30,2001.

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

DESCRIPTION OF CHANGE IN TERMS. EXTEND MATURITY DATE/FINANCE WORKING CAPITAL.

PROMISE TO PAY. VISIONICS CORPORATION fka 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,ooo,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 December 31, 2001. In addition, Borrower
will pay regular monthly payments of all accrued unpaid interest due as of each
payment date, beginning July 30, 2001, with all subsequent interest payments to
be due on the same day of each month after that. Interest on this Agreement is
computed on a 365/360 simple interest 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 lndex 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 6.750% 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 7.250% 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 by law. Except for the foregoing, Borrower may pay without
penalty all or a portion of the amount owed earlier than it is due. Early
payment 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 wrtten 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 2.500 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 any other term,
obligation, covenant or condition contained in this Agreement or in any of the
Related Documents or to comply with onto 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 movies or a surer
bond for the creditor or forfeiture proceeding, in an amount determined by
Lender, in its sole discretion, as being an adequate reserve or bond for the
dispute.

Events Affecting Guarantor.
<PAGE>

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

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

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.

VISIONICS CORPORATION FKA DIGITAL BIOMETRICS, INC.

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

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