Document:

<PAGE>

                                                                    EXHIBIT 10.2

          EQUIPMENT PURCHASE AND ENGINEERING TEST SERVICES AGREEMENT

     This EQUIPMENT PURCHASE AND ENGINEERING TEST SERVICES AGREEMENT (the
"Agreement") is entered into on this 29th day of September, 1999 by and among
Fairchild Semiconductor Corporation ("Fairchild") and Artest Corporation
("Artest").

                                 I.   RECITALS

     Whereas, Fairchild is in the business of designing, manufacturing and
marketing high performance semiconductors for multiple end market uses; and

     Whereas, Artest is, among other things, in the business of performing test
services for semiconductors; and

     Whereas, Artest desires to purchase from Fairchild backend test equipment
used by the Fairchild Mixed Signal Business Unit ("MBU") (such equipment
collectively referred to as "TEST") and to provide engineering services and
production testing of products for MBU; and

     Whereas, Fairchild desires to subcontract to Artest all or a significant
portion of the MBU backend production test and shipping functions it currently
performs for itself, providing Artest can do so at competitive prices for this
service;

     Now, Therefore, Fairchild and Artest hereto agree as follows:

                               II.   DEFINITIONS

     1.  The definitions set forth below shall apply wherever they appear in
this Agreement and all exhibits hereto.

         1.1  "Confidential Information" shall mean any information written or
     otherwise disclosed in any medium by one party to the other under this
     Agreement which is marked or otherwise designated as "Confidential" or is
     clearly by its nature confidential. Confidential Information shall include,
     but is not limited to, confidential information of subcontractors and
     suppliers to either party.

         1.2  "Engineering Test Services" shall mean those services Artest
     agrees to perform for Fairchild pursuant to this contract including, but
     not limited to providing Fairchild employees access to the TEST, and
     providing Fairchild with final test and shipping for Fairchild products
     listed in the Old 26MM Table of Exhibit 3.

         1.3  "Retention Amount" shall mean an amount of money to be paid over
     time by Fairchild to Artest, which agrees to pay such amounts to the TEST
     Personnel in order to assure the retention of necessary TEST Personnel. The
     Retention Amount shall be

* Confidential treatment has been requested with respect to certain portions of
  this exhibit. Such portions are marked with a "[*]" in place of the redacted
  language. Omitted portions are filed separately with the Securities and
  Exchange Commission.
<PAGE>

     equal to the sum of Fairchild's current identified severance program for
     each of the TEST Personnel as specified in Exhibit 2 (for a total of [*]).
     Any part of the Retention Amount, which has not been paid to the TEST
     Personnel at the end of twelve (12) months following the effective date of
     this Agreement, shall be returned to Fairchild.

         1.4  "TEST" shall mean the backend test equipment of the Fairchild
     Mixed Signal Business Unit which is listed in Exhibit 1.

         1.5  "TEST Facilities" shall mean the current location of TEST until
     June of 2000. After June of 2000, the location of the TEST Facilities shall
     be moved to another facility agreed upon by Fairchild and Artest.

         1.6  "TEST Personnel" shall mean the operators and test personnel
     listed in Exhibit 2, Table I who are currently employed by Fairchild and
     work with the TEST equipment.

              III.   EQUIPMENT PURCHASE, FACILITIES AND PERSONNEL

     2.  Sale of TEST Equipment.  Artest shall purchase from Fairchild, in
accordance with and subject to the terms, covenants and conditions hereinafter
set forth, the TEST equipment.

         2.1  Purchase Price.  Upon execution of the Agreement, Artest shall pay
     to Fairchild for TEST the sum of $865,000.00 in cash or readily available
     funds, which price the parties agree is fair and reasonable. The purchase
     price shall be paid on the date of the execution of this Agreement. At
     receipt of payment, Fairchild will deliver good title of equipment free of
     all liens and security interest and documentation that identifies that
     testers are in working condition and meeting manufacturers specifications.

         2.2  Finality of Sale.  The sale of the TEST equipment shall be final
     upon execution of this Agreement regardless of whether the Engineering Test
     Services portion of the Agreement is terminated for cause or otherwise.

         2.3  No Warranties; Limited Liability.  ARTEST PURCHASES THE TEST
     EQUIPMENT FROM FAIRCHILD IN ITS PRESENT CONDITION, AS IS AND WITH ALL
     FAULTS. ARTEST ACKNOWLEDGES THAT IT HAS HAD THE OPPORTUNITY TO INSPECT THE
     TEST EQUIPMENT AS FULLY AS IT DESIRES. THE PARTIES ACKNOWLEDGE THAT
     FAIRCHILD MAKES NO WARRANTY, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE
     WITH RESPECT TO THE TEST EQUIPMENT, AND THERE IS EXPRESSLY EXCLUDED ALL
     WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
     FAIRCHILD SHALL HAVE NO LIABILITY UNDER THIS AGREEMENT FOR ANY DAMAGES
     SUFFERED BY ARTEST OR ANY THIRD PARTY INCLUDING BUT NOT LIMITED TO DAMAGES
     FOR PERSONAL

* Confidential treatment has been requested with respect to certain portions of
  this exhibit. Such portions are marked with a "[*]" in place of the redacted
  language. Omitted portions are filed separately with the Securities and
  Exchange Commission.

<PAGE>

     INJURIES OR LOSS OF PROFITS, OR CONSEQUENTIAL, EXEMPLARY OR INCIDENTAL
     DAMAGES.

     3.  Facilities Usage.  Artest will take over the facilities of TEST and
maintain TEST at the current Fairchild location for the benefit of Fairchild
(the "TEST Facilities") and pay Fairchild a user fee for the space at the full
service rate listed in Exhibit 2, Table 2. Artest agrees to comply in all
respects with any requirements imposed on Fairchild under its Master Lease with
Naoto Ohtsuki. Fairchild will notify Naoto Ohtsuki of Artest's usage of the TEST
facilities.

          3.1  User Fee.  As specified in Exhibit 2, Table 2, the user fee
     for the TEST Facilities shall be [*] which rate the parties agree is fair
     and reasonable. The user fee shall be payable on or before the third day of
     each month.

         3.2  Default.  Artest shall be in default of its obligations under the
     Facilities Usage portion of this Agreement if it fails to pay the monthly
     user fee as specified in Exhibit 2, Table 2 when due, or takes any other
     action inconsistent with Fairchild's Master Lease, and such failure is not
     cured within three business days after Artest's receipt of written notice.
     In the event of Artest's default, Fairchild shall have the following rights
     and remedies, in addition to all other rights and remedies provided by law:
     (1) Fairchild may keep the Facilities Usage portion of this Agreement in
     effect and recover unpaid rents, (2) Fairchild may release the TEST
     Facilities to another tenant, (3) Fairchild may terminate the Facilities
     Usage portion of this Agreement by written notice to Artest.

         3.3  Utilities.  Fairchild will provide phone system access and
     separate billing of phone usage. Artest will pay all charges for Artest's
     phone usage while at the current Fairchild facilities. All other utilities
     and building maintenance services are included in the full service rate
     listed in Exhibit 2, Table 2.

         3.4  Length of Usage.  Artest will sublease from Fairchild the space
     described in Exhibit 2, Table 2, from the date of the execution of this
     Agreement until June 30, 2000.

         3.5  Relocation of TEST.  Upon the expiration of the term of the
     sublease, but in no event later than June 30, 2000, Artest shall relocate
     TEST at its own cost to a new facility that allows full access by Fairchild
     product and test engineering personnel. Notwithstanding the foregoing,
     Artest shall ensure the continuous operation of TEST during the relocation
     with uninterrupted access by Fairchild employees. The TEST Facilities after
     June of 2000 shall be of the same quality and proximity to Fairchild's
     product and test engineering personnel as are the current TEST Facilities.
     Artest and Fairchild shall use their best efforts to jointly seek new space
     to allow for a coordinated move to the new facilities. All facility items
     purchased by Artest will remain the property of Artest after the expiration
     of the current lease and not part of Facility left behind for landlord.

* Confidential treatment has been requested with respect to certain portions of
  this exhibit. Such portions are marked with a "[*]" in place of the redacted
  language. Omitted portions are filed separately with the Securities and
  Exchange Commission.
<PAGE>

     4.  Personnel.  Artest shall offer employment, at comparable pay and
benefits, to the operators and test personnel listed in Exhibit 2, Table I who
are currently employed by Fairchild, to maintain continuity and knowledge of
Fairchild products (the "TEST Personnel"). The TEST Personnel shall become
employees of Artest and shall be the sole responsibility of Artest. In addition
to the personnel listed in Exhibit 2, Artest shall provide to the TEST Personnel
team two additional positions to be filled from current Artest personnel or to
be newly hired by Artest at its discretion. These two positions shall be a
shipping clerk and a supervisor of the TEST Personnel.

         4.1  Retention of TEST Personnel.  Artest, with the cooperation of
     Fairchild, shall use its best efforts to jointly develop a retention
     program to assure employment continuity of the TEST Personnel to be hired
     by Artest from Fairchild. Fairchild shall pay to Artest a Retention Amount
     to foster this continuity. The Retention Amount shall be paid in four (4)
     quarterly retainer payments to Artest during the twelve (12) months
     following the effective date of the Agreement. Any additional retention
     program to either new personnel or to personnel listed in Exhibit 2 is the
     sole responsibility of Artest. The Retention Amount shall be intended to
     meet any severance obligation of Fairchild to the TEST Personnel and they
     shall be notified of this fact. Any other obligations to employees of TEST
     prior to the transfer are the sole responsibility of Fairchild.

                        IV.   ENGINEERING TEST SERVICES

     5.  Engineering Test Services.  Fairchild agrees to contract with Artest
for production test and shipping services (the "Engineering Test Services").
Artest shall provide these services to Fairchild in the same manner as they are
currently done by Fairchild. Artest shall use commercially reasonable efforts to
perform its obligations under this Engineering Test Services Agreement and
Fairchild agrees to cooperate in good faith to allow Artest to perform the
Engineering Test Services.

     6.  Relationship of the Parties.  For all purposes of this agreement Artest
shall be acting as an independent contractor and not as an employee or agent of
Fairchild.  Artest further understands that, except as specifically provided in
this Agreement, Fairchild is under no obligation to contract for any work
exclusively from Artest, and Artest is free to contract to supply work to
others.

     7.  Access to Teradyne and Trillium Equipment.  Artest will provide access
to TEST for Fairchild product and test engineers for test development and yield
enhancement during the daytime shift (8 A.M - 5 P.M., Monday - Friday). Artest
shall provide to Fairchild at the request of Fairchild, up to [*] hours per
month of Teradyne and up to [*] hours per month of Trillium machine time
during the daytime shift. The Teradyne and Trillium equipment that Fairchild
may use is described in Exhibit 1. Fairchild's time on said machines shall be
allocated evenly throughout each month.

         7.1  Notice of Change in Usage.  Fairchild shall notify Artest if it
     doesn't need the minimum guarantee time and will release any unused machine
     time to Artest for its use. Conversely, Artest will notify Fairchild if it
     doesn't need the machine time

* Confidential treatment has been requested with respect to certain portions of
  this exhibit. Such portions are marked with a "[*]" in place of the redacted
  language. Omitted portions are filed separately with the Securities and
  Exchange Commission.
<PAGE>

     beyond the minimum time listed above and release to Fairchild the right to
     use the machines beyond the agreed to hours.

         7.2  User Fee.  For the use of the Teradyne and Trillium machines
     described in Exhibit 1, Fairchild shall pay to Artest a user fee in the
     amount of [*] per year payable in equal monthly installments beginning on
     the date of the execution of this Agreement. The user fee shall be payable
     on or before the third day of each month. Any hours used in excess of the
     amounts listed in section 7 shall be billed at "most favorable price"
     offered by Artest to other customers but in no event are to exceed [*]/hour
     for Teradyne and [*]/hour for Trillium.

         7.3  License.  Artest and Fairchild shall use their best efforts to
     work to transfer to Artest any Fairchild "right to use" license on the
     Teradyne or any other piece of the TEST equipment. Artest and Fairchild
     shall use their reasonable best efforts to minimize the cost of this
     transfer but any costs associated with the transfer of the license shall be
     born by Artest alone and Fairchild shall have no obligation to assure the
     transfer.

     8.  Eagle Test System.  Artest shall purchase an Eagle test system and
related interface hardware satisfactory to Fairchild to be located at the TEST
Facilities. The Eagle test system and interface hardware shall be satisfactory
to Fairchild and shall enable both production test and test development.
Fairchild will use its best efforts to negotiate with the Eagle Test Company to
allow Artest access to Fairchild's favorable price, but Fairchild shall not be
obligated to obtain such price for Artest.

         8.1  Access to Eagle Test System.  Artest will provide access to the
     Eagle Test system to Fairchild product and test engineers for test
     development and yield enhancement during the daytime shift (8 A.M - 5 P.M.,
     Monday - Friday). Artest shall provide to Fairchild at Fairchild's request
     up to 90 hours per month of machine during the daytime shift each month.
     Fairchild's time shall be allocated evenly throughout each month.

         8.2  Notice of Change in Usage.  Fairchild shall notify Artest when it
     doesn't need the minimum guarantee time and will release any unused machine
     time to Artest for its use. Conversely, Artest will notify Fairchild if it
     doesn't need the Eagle machine beyond the minimum time listed above and
     release to Fairchild the right to use the machines beyond the agreed to
     hours.

         8.3  User Fee.  For the use of the Eagle Test system as listed above,
     Fairchild shall pay to Artest a user fee in the amount of [*] per year
     payable in equal monthly installments beginning on the date of the
     execution of this Agreement. The user fee shall be payable on or before the
     third day of each month. Any hours used in excess of the amounts listed in
     section 8 shall be billed at "most favorable price" offered by Artest to
     other customers but in no event are to exceed [*]/hour.

     9.  Production Test Services.  Fairchild agrees to use Artest to perform
all final test and shipping responsibilities for all currently sold Fairchild
products listed in the Old 26MM Table of Exhibit 3 for a period of at least
three (3) years, provided that Artest can maintain

* Confidential treatment has been requested with respect to certain portions of
  this exhibit. Such portions are marked with a "[*]" in place of the redacted
  language. Omitted portions are filed separately with the Securities and
  Exchange Commission.

<PAGE>

competitive costs, service and quality for test and shipping. While the costs
for the production test services supplied by Artest must be competitive with
equivalent services provided in the semiconductor industry, the costs shall not
exceed the costs for test and shipping listed in Exhibit 3. The parties agree to
meet from time to time during the course of the term of this agreement to
discuss the services and quality for the testing provided by Artest to Fairchild
under this agreement. If Fairchild determines that Artest's services are in any
way non-competitive, then Fairchild shall give Artest written notice of such
inadequacy and Artest shall have reasonable time to correct the deficiency. If
Artest shall fail to correct then Fairchild can upon written notice obtain
services from another source.

         9.1  Test Services for Fairchild's Mixed Signal Business Unit.
     Fairchild shall endeavor to use Artest as its subcontractor for all final
     test and shipping for any new products Fairchild develops at its Mixed
     Signal Business facility provided that Artest's costs, service and quality
     are competitive with equivalent services provided in the semiconductor
     industry and meet Fairchild's needs; provided, however that nothing herein
     is intended to delay Fairchild with its business planning or ability to
     sell products. Exhibit 3, Table 2 lists some of these new products, along
     with estimated final test revenue. Fairchild is not bound by the
     projections listed in Exhibit 3, Table 2.

         9.2  Test Services at Other Fairchild Owned Facilities.  Artest agrees
     that any products developed by Fairchild that can be assembled at its other
     owned facilities (usually products with less than 20 pins) will be tested
     by Fairchild and not Artest.

         9.3  Yearly Run Rates.  Fairchild agrees to provide Artest yearly run
     rates of its products for all Engineering and Test Services set forth in
     Section IV of this Agreement, that can meet or exceed [*] of equivalent
     production probe and/or final test volume as estimated in Exhibit 3 for a
     period of three (3) years provided that Artest's cost, service and quality
     for these services are competitive with equivalent cost, service and
     quality provided in the semiconductor industry. In addition, Fairchild does
     not guarantee any specific product mix. If at the end of each 12-month
     period from the execution of this agreement, Fairchild has not met the
     minimum guaranteed production revenue, then Fairchild shall pay any
     remaining difference between actual testing services revenue and [*] within
     30 days of the end of each 12-month period.

     10.  Term of Services Contract.  Unless otherwise specified, the term of
the Engineering Test Services part of the Agreement shall be for a minimum of
three (3) years from the date of the execution of this Agreement.

     11.  Termination and Renewal.  At least 90 but not more that 180 days
before the expiration of this Agreement, the parties shall notify each other in
writing whether the Agreement will terminate. If the parties do not provide such
notification, the Agreement will automatically renew for a period of one year at
prices to be agreed upon. Thereafter, the agreement will automatically renew
each year until the parties provide written notice of its termination.

     12.  Termination for Cause.  If either party materially breaches a
provision and fails to cure such breach within the thirty (30) days after
receiving written notice from the other party, such other party shall have the
right at its option to terminate the Engineering Test Services portion of this
Agreement. Upon termination of the Engineering Test Services portion of this

* Confidential treatment has been requested with respect to certain portions of
  this exhibit. Such portions are marked with a "[*]" in place of the redacted
  language. Omitted portions are filed separately with the Securities and
  Exchange Commission.
<PAGE>

Agreement for cause, the parties shall pay to each other any fees or rents due
at the time of the termination.

     13.  Bankruptcy.  Should either party: (i) become insolvent, (ii) make an
assignment for the benefit of creditors; (iii) file or have filed against it a
petition in bankruptcy or reorganization; (iv) have a receiver, manager,
administrator, or administrative receiver appointed; or (v) institute any
proceedings for liquidation or winding up; then the other party may, in addition
to other rights and remedies it may have, terminate this Agreement immediately
by written notice.

     14.  Property Upon Termination.  Upon expiration or termination of this
Agreement, both parties will deliver to the other all property of the other
party that they may have in their possession or control.

                              V.   MISCELLANEOUS

     15.  Invoices.  Unless otherwise provided in this Agreement, Artest and
Fairchild shall invoice each other for fees for any Engineering Test Services
provided pursuant to this agreement.  All invoices shall be due and payable when
invoiced, and shall be deemed overdue if they remain unpaid thirty (30) days
after they become payable.  Overdue amounts shall accrue interest at the rate of
two (2) percent per month, or at the highest legal interest rate, if less.

     16.  Confidential Information.  During the term of this Agreement and
subsequent thereto, the receiving party will keep all Confidential Information
of the other party in confidence and will not, without prior written consent of
the disclosing party, publish, disclose or otherwise make available, directly or
indirectly, any item of Confidential Information to any person other than those
of the receiving party's employees, agents or contractors who need to know the
same in the performance of their duties for the receiving party.

     17.  Dispute Resolution.  The parties shall attempt in good faith to
resolve any dispute arising out of this Agreement, including but not limited to
any dispute regarding the interpretation of or performance under said Agreement,
promptly by negotiations. If these negotiations should fail, the parties shall
resolve any dispute by submitting it to binding arbitration in San Jose,
California under the rules of the American Arbitration. Notwithstanding the
foregoing, either party shall have the right to seek preliminary injunctive
relief at any time. The prevailing party shall have all reasonable legal fees
reimbursed.

     18.  Governing Law.  This Agreement shall be governed in all respects by
the laws of the United States of America and the State of California. The
parties agree that the United Nations Convention on Contracts for the
International Sale of goods is specifically excluded from application to this
Agreement.

     19.  Notices.  Any notices required or permitted hereunder will be given to
the appropriate party at the address specified below or at such other address as
the party may specify

<PAGE>

in writing. Such notice shall be deemed given upon personal delivery to the
appropriate address or, if sent by certified or registered mail, three (3) days
after the date of mailing.

          As to:  Fairchild Semiconductor

                         Sam Lee
                         Fairchild Semiconductor
                         350 Ellis Street
                         Mountain View, CA  94043

                  with a copy to

                         Joel Pond
                         Fairchild Semiconductor
                         333 Western Ave.
                         South Portland, ME  04106

                  Artest Corporation:

                         Jen Kao
                         Artest Corporation
                         678 Almanor Ave.
                         Sunnyvale, CA 94086

     20.  Counterparts.  This Agreement may be signed in counterparts, each of
which shall be deemed an original, and all of which shall together constitute
one and the same Agreement.

     21.  Complete Understanding and Modification.  This Agreement and the
Exhibits attached hereto constitute the full and complete understanding and
agreement of the parties relating to the subject matter hereof and supersedes
all prior understandings and agreements relating to such subject matter. Any
waiver, modification, or amendment of any provision of this Agreement shall be
effective only if in writing and signed by each of the parties hereto.

     22.  Waiver.  The failure of either party to insist upon strict compliance
with any of the terms, covenants or conditions of this Agreement by the other
party shall not be deemed a waiver of that term, covenant or condition, nor
shall any waiver or relinquishment of any right or power at any one time be
deemed a waiver or relinquishment of that right or power for all or any other
time.

     23.  Force Majeure.  The parties shall not be liable for any delay or
failure to perform, in whole or in part, caused by the occurrence of any
contingency beyond its reasonable control, including but not limited to, war,
sabotage, insurrection, rebellion, riot or other act of civil disobedience, act
of public enemy, failure or delay in transportation, act of any government or
any agency or subdivision thereof, judicial action, labor disputes, shortages of
materials, fire, accident, explosion, epidemic, quarantine restrictions, storm,
flood or earthquake.

<PAGE>

     In Witness Whereof, the duly authorized representative of the parties has
executed this Agreement as of the effective Date.

<TABLE>
<CAPTION>
FAIRCHILD SEMICONDUCTOR                                 ARTEST CORPORATION
<S>                                                    <C>

Signed: /s/ Michael Hollabaugh                          Signed: /s/ Jen Kao
       -------------------------------------                   ----------------------------------

Printed Name:  Michael Hollabaugh                       Printed Name:  Jen Kao

Title:  V.P., Mixed Signal Business Unit                Title:  President & CEO

Date:  September 28, 1999                               Date:  September 30, 1999
</TABLE>

<PAGE>

                                   Exhibit 1

<TABLE>
<CAPTION>
Asset Description     Artest #          Location        Comments
-----------------     --------          --------        --------
<S>                   <C>               <C>             <C>
[*]                     001             test floor      [*]
[*]                     001             test floor      [*]
[*]                     001             test floor      [*]
[*]                     001             test floor      [*]
[*]                     002             test floor      [*]
[*]                     002             test floor      [*]
[*]                     002             test floor      [*]
[*]                     003             test floor      [*]
[*]                     004             test floor      [*]
[*]                     005             test floor      [*]
[*]                     006             test floor
[*]                     007             test floor      [*]
[*]                     008             test floor
[*]                     009             test floor
[*]                     010             test floor
[*]                     011             test floor
[*]                     012             test floor      [*]
[*]                     013             test floor      [*]
[*]                     014             test floor
[*]                     015             test floor
[*]                     016             test floor
[*]                     017             test floor
[*]                     018             test floor
[*]                     019             test floor
[*]                     020             test floor
[*]                     021             test floor
[*]                     022             test floor
[*]                     023             test floor      [*]
[*]                     024             test floor      [*]
[*]                     025             test floor      [*]
[*]                     026             test floor
[*]                     027             test floor
[*]                     028             test floor
[*]                     029             test floor
[*]                     030             test floor
[*]                     031             test floor
[*]                     032             Test floor
[*]                     033             Test floor
[*]                     034             Shipping
[*]                     035             Shipping
[*]                     036             Shipping
[*]                     037             Shipping
[*]                     038             Shipping
[*]                     039             Shipping
[*]                     040             Shipping
[*]                     041             Shipping
[*]                     043             Assembly
[*]                     044             Assembly
[*]                     044             Shipping
[*]                     045             Assembly
[*]                     046             Assembly
[*]                     047             Assembly
[*]                     048             Burn in area
[*]                     049             Burn in area
[*]                     050             Burn in area
[*]                     051             Burn in area
[*]                     052             Burn in area
[*]                     053             Burn in area
[*]                                     MTV
         Misc
[*]                                     Maint. Room
[*]
[*]
</TABLE>
[*]

* Confidential treatment has been requested with respect to certain portions of
  this exhibit. Such portions are marked with a "[*]" in place of the redacted
  language. Omitted portions are filed separately with the Securities and
  Exchange Commission.
<PAGE>

                                   Exhibit 2

               Table 1: Employees to be transferred to Artest.
               ----------------------------------------------
<TABLE>
<CAPTION>
                                                                              # of weeks                 Total
Name                    DOH     Years of    Hourly     Shift         Total    Severance      Hours/    Severance
                                Service      Rate    Differential    Rate        Pay          Week      $ Amount
-----------------------------------------------------------------------------------------------------------------
<S>                     <C>     <C>         <C>      <C>             <C>       <C>            <C>       <C>
[*]                     [*]       [*]         [*]        [*]          [*]        [*]            40         [*]
[*]                     [*]       [*]         [*]        [*]          [*]        [*]            40         [*]
[*]                     [*]       [*]         [*]        [*]          [*]        [*]            35         [*]
[*]                     [*]       [*]         [*]        [*]          [*]        [*]            35         [*]
[*]                     [*]       [*]         [*]        [*]          [*]        [*]            35         [*]
[*]                     [*]       [*]         [*]        [*]          [*]        [*]            40         [*]
                                                                                                         -------
                                                                                                           [*]
</TABLE>

                       Table 2: Facility Rental Details
                       --------------------------------

Rent based on 4,000 Sq. Ft. @ full service rate of $1.46 per Sq. Ft. =
$5840/month
Square Footage includes:
        Test Floor 2,805 Sq. Ft.
        Shipping Area 483 Sq. Ft.
        One Office 230 Sq. Ft.
        Warehouse Space 482 Sq. Ft. (Mark & Pack)

* Confidential treatment has been requested with respect to certain portions of
  this exhibit. Such portions are marked with a "[*]" in place of the redacted
  language. Omitted portions are filed separately with the Securities and
  Exchange Commission.
<PAGE>

                                   Exhibit 3
                                      [*]

* Confidential treatment has been requested with respect to certain portions of
  this exhibit. Such portions are marked with a "[*]" in place of the redacted
  language. Omitted portions are filed separately with the Securities and
  Exchange Commission.<PAGE>

                                                                   EXHIBIT 10.12

================================================================================
Borrower:  ARTEST CORPORATION               Lender:  Sumitomo Bank of California
           678 Almanor Ave.                          North First Office
           Sunnyvale, CA  94086                      515 North First Street
                                                     San Jose, CA  95112

================================================================================

THIS BUSINESS LOAN AGREEMENT between ARTEST CORPORATION ("Borrower") and
Sumitomo Bank of California ("Lender") is made and executed on the following
terms and conditions. Borrower has received prior commercial loans from Lender
or has applied to Lender for a commercial loan or loans and other financial
accommodations, including those which may be described on any exhibit or
schedule attached to this Agreement. All such loans and financial
accommodations, together with all future loans and financial accommodations from
Lender to Borrower, are referred to in this Agreement individually as the "Loan"
and collectively as the "Loans." Borrower understands and agrees that: (a) in
granting, renewing, or extending any Loan, Lender is relying upon Borrower's
representations, warranties, and agreements, as set forth in this Agreement; (b)
the granting, renewing, or extending of any Loan by Lender at all times shall be
subject to Lender's sole judgment and discretion; and (c) all such Loans shall
be and shall remain subject to the following terms and conditions of this
Agreement.

TERM.  This Agreement shall be effective as of November 20, 1997, and shall
continue thereafter until all Indebtedness of Borrower to Lender has been
performed in full or until September 30, 2002, whichever is later.

DEFINITIONS.  The following words shall have the following meanings when used in
this Agreement.  Terms not otherwise defined in this Agreement shall have the
meanings attributed to such terms in the Uniform Commercial Code.  All
references to dollar amounts shall mean amounts in lawful money of the United
States of America.

  Agreement.  The word "Agreement" means this Business Loan Agreement, as this
  Business Loan Agreement may be amended or modified from time to time, together
  with all exhibits and schedules attached to this Business Loan Agreement from
  time to time.

  Borrower.  The word "Borrower" means ARTEST CORPORATION.  The word "Borrower"
  also includes, as applicable, all subsidiaries and affiliates of Borrower as
  provided below in the paragraph titled "Subsidiaries and Affiliates."

  CERCLA.  The word "CERCLA" means the Comprehensive Environmental Response,
  Compensation, and Liability Act of 1980, as amended.

  Collateral.  The word "Collateral" means and includes without limitation all
  property and assets granted as collateral security for a Loan, whether real or
  personal property, whether granted directly or indirectly, whether granted now
  or in the future, and whether granted in the form of a security interest,
  mortgage, deed of trust, assignment, pledge, chattel mortgage, chattel trust,
  factor's lien, equipment trust, conditional sale, trust receipt, lien, charge,
  lien or title retention contract, lease or consignment intended as a security
  device, or any other security or lien interest whatsoever, whether created by
  law, contract, or otherwise.

  ERISA.  The word "ERISA" means the Employee Retirement Income Security Act of
  1974, as amended.

  Event of Default.  The words "Event of Default" mean and include without
  limitation any of the Events of Default set forth below in the section titled
  "EVENTS OF DEFAULT."

  Grantor.  The word "Grantor" means and includes without limitation each and
  all of the persons or entities granting a Security Interest in any Collateral
  for the Indebtedness, including without limitation all Borrowers granting such
  a Security Interest.

  Guarantor.  The word "Guarantor" means and includes without limitation each
  and all of the guarantors, sureties, and accommodation parties in connection
  with any Indebtedness.

  Indebtedness.  The word "Indebtedness" means and includes without limitation
  all Loans, together with all other obligations, debts and liabilities of
  Borrower to Lender, or any one or more of them, as well as all claims by
  Lender against Borrower, or any one or more of them; whether now or hereafter
  existing, voluntary or involuntary, due or not due, absolute or contingent,
  liquidated or unliquidated; whether Borrower may be liable individually or
  jointly with others; whether Borrower may be obligated as a guarantor, surety,
  or otherwise; whether recovery upon such Indebtedness may be or hereafter may
  become barred by any statute of limitations; and whether such Indebtedness may
  be or hereafter may become otherwise unenforceable.

  Lender.  The word "Lender" means Sumitomo Bank of California, its successors
  and assigns.

  Loan.  The word "Loan" or "Loans" means and includes without limitation any
  and all commercial loans and financial accommodations from Lender to Borrower,
  whether now or hereafter existing, and however evidenced, including without
  limitation those loans and financial accommodations described herein or
  described on any exhibit or schedule attached to this Agreement from time to
  time.

  Note.  The word "Note" means and includes without limitation Borrower's
  promissory note or notes, if any, evidencing Borrower's Loan obligations in
  favor of Lender, as well as any substitute, replacement or refinancing note or
  notes therefor.

  Permitted Liens.  The words "Permitted Liens" mean: (a) liens and security
  interests securing Indebtedness owed by Borrower to Lender; (b) liens for
  taxes, assessments, or similar charges either not yet due or being contested
  in good faith; (c) liens of materialmen, mechanics, warehousemen, or carriers,
  or other like liens arising in the ordinary course of business and securing
  obligations which are not yet delinquent; (d) purchase money liens or purchase
  money security interests upon or in any property acquired or held by Borrower
  in the ordinary course of business to secure

                                       1
<PAGE>

  indebtedness outstanding on the date of this Agreement or permitted to be
  incurred under the paragraph of this Agreement titled "Indebtedness and
  Liens"; (e) liens and security interests which, as of the date of this
  Agreement, have been disclosed to and approved by the Lender in writing; and
  (f) those liens and security interests which in the aggregate constitute an
  immaterial and insignificant monetary amount with respect to the net value of
  Borrower's assets.

  Related Documents.  The words "Related Documents" mean and include without
  limitation all promissory notes, credit agreements, loan agreements,
  environmental agreements, guaranties, security agreements, mortgages, deeds of
  trust, and all other instruments, agreements and documents, whether now or
  hereafter existing, executed in connection with the Indebtedness.

  Security Agreement.  The words "Security Agreement" mean and include without
  limitation any agreements, promises, covenants, arrangements, understandings
  or other agreements, whether created by law, contract, or otherwise,
  evidencing, governing, representing, or creating a Security Interest.

  Security Interest.  The words "Security Interest" mean and include without
  limitation any type of collateral security, whether in the form of a lien,
  charge, mortgage, deed of trust, assignment, pledge, chattel mortgage, chattel
  trust, factor's lien, equipment trust, conditional sale, trust receipt, lien
  or title retention contract, lease or consignment intended as a security
  device, or any other security or lien interest whatsoever, whether created by
  law, contract, or otherwise.

  SARA.  The word "SARA" means the Superfund Amendments and Reauthorization Act
  of 1986 as now or hereafter amended.

CONDITIONS PRECEDENT TO EACH ADVANCE.  Lender's obligation to make the initial
Loan Advance and each subsequent Loan Advance under this Agreement shall be
subject to the fulfillment to Lender's satisfaction of all of the conditions set
forth in this Agreement and in the Related Documents.

  Loan Documents.  Borrower shall provide to Lender in form satisfactory to
  Lender the following documents for the Loan: (a) the Note, (b) Security
  Agreements granting to Lender security interests in the Collateral, (c)
  Financing Statements perfecting Lender's Security Interests; (d) evidence of
  insurance as required below; and (e) any other documents required under this
  Agreement or by Lender or its counsel.

  Borrower's Authorization.  Borrower shall have provided in form and substance
  satisfactory to Lender properly certified resolutions, duly authorizing the
  execution and delivery of this Agreement, the Note and the Related Documents,
  and such other authorizations and other documents and instruments as Lender or
  its counsel, in their sole discretion, may require.

  Payment of Fees and Expenses.  Borrower shall have paid to Lender all fees,
  charges, and other expenses which are then due and payable as specified in
  this Agreement or any Related Document.

  Representations and Warranties.  The representations and warranties set forth
  in this Agreement, in the Related Documents, and in any document or
  certificate delivered to Lender under this Agreement are true and correct.

  No Event of Default.  There shall not exist at the time of any advance a
  condition which would constitute an Event of Default under this Agreement.

REPRESENTATIONS AND WARRANTIES.  Borrower represents and warrants to Lender, as
of the date of this Agreement, as of the date of each disbursement of Loan
proceeds, as of the date of any renewal, extension or modification of any Loan,
and at all times any Indebtedness exists:

  Organization.  Borrower is a corporation which is duly organized, validly
  existing, and in good standing under the laws of the State of California and
  is validly existing and in good standing in all states in which Borrower is
  doing business.  Borrower has the full power and authority to own its
  properties and to transact the businesses in which it is presently engaged or
  presently proposes to engage.  Borrower also is duly qualified as a foreign
  corporation and is in good standing in all states in which the failure to so
  quality would have a material adverse effect on its businesses or financial
  condition.

  Authorization.  The execution, delivery, and performance of this Agreement and
  all Related Documents by Borrower, to the extent to be executed, delivered or
  performed by Borrower, have been duly authorized by all necessary action by
  Borrower; do not require the consent or approval of any other person,
  regulatory authority or governmental body; and do not conflict with, result in
  a violation of, or constitute a default under (a) any provision of its
  articles of incorporation or organization, or bylaws, or any agreement or
  other instrument binding upon Borrower or (b) any law, governmental
  regulation, court decree, or order applicable to Borrower.

  Financial Information.  Each financial statement of Borrower supplied to
  Lender truly and completely disclosed Borrower's financial condition as of the
  date of the statement, and there has been no material adverse change in
  Borrower's financial condition subsequent to the date of the most recent
  financial statement supplied to Lender.  Borrower has no material contingent
  obligations except as disclosed in such financial statements.

  Legal Effect.  This Agreement constitutes, and any instrument or agreement
  required hereunder to be given by Borrower when delivered will constitute,
  legal, valid and binding obligations of Borrower enforceable against Borrower
  in accordance with their respective terms.

  Properties.  Except as contemplated by this Agreement or as previously
  disclosed in Borrower's financial statements or in writing to Lender and as
  accepted by Lender, and except for property tax liens for taxes not presently
  due and payable, Borrower owns and has good title to all of Borrower's
  properties free and clear of all Security Interests, and has not executed any
  security documents or financing statements relating to such properties.  All
  of Borrowers properties are titled in Borrower's legal name, and Borrower has
  not used, or filed a financing statement under, any other name for at least
  the last five (5) years.

  Hazardous Substances.  The terms "hazardous waste," "hazardous substance,"
  "disposal," "release," and 'threatened release," as used in this Agreement,
  shall have the same meanings as set forth in the "CERCLA," "SARA," the
  Hazardous Materials Transportation Act, 49 U.S.C. Section 1801, et seq., the
  Resource Conservation and Recovery Act, 42 U.S.C. Section 6901, et seq.,
  Chapters 6.5 through 7.7 of Division 20 of

                                       2
<PAGE>

  the California Health and Safety Code, Section 25100, et seq., or other
  applicable state or Federal laws, rules, or regulations adopted pursuant to
  any of the foregoing. Except as disclosed to and acknowledged by Lender in
  writing, Borrower represents and warrants that: (a) During the period of
  Borrower's ownership of the properties, there has been no use, generation,
  manufacture, storage, treatment, disposal, release or threatened release of
  any hazardous waste or substance by any person on, under, about or from any of
  the properties, (b) Borrower has no knowledge of, or reason to believe that
  there has been (i) any use, generation, manufacture, storage, treatment,
  disposal, release, or threatened release of any hazardous waste or substance
  on, under, about or from the properties by any prior owners or occupants of
  any of the properties, or (ii) any actual or threatened litigation or claims
  of any kind by any person relating to such matters, (c) Neither Borrower nor
  any tenant, contractor, agent or other authorized user of any of the
  properties shall use, generate, manufacture, store, treat, dispose of, or
  release any hazardous waste or, substance on, under, about or from any of the
  properties; and any such activity shall be conducted in compliance with all
  applicable federal, state, and local laws, regulations, and ordinances,
  including without limitation those laws, regulations and ordinances described
  above. Borrower authorizes Lender and its agents to enter upon the properties
  to make such inspections and tests as Lender may deem appropriate to determine
  compliance of the properties with this section of the Agreement. Any
  inspections or tests made by Lender shall be at Borrower's expense and for
  Lender's purposes only and shall not be construed to create any responsibility
  or liability on the part of Lender to Borrower or to any other person. The
  representations and warranties contained herein are based on Borrower's due
  diligence in investigating the properties for hazardous waste and hazardous
  substances. Borrower hereby (a) releases and waives any future claims against
  Lender for indemnity or contribution in the event Borrower becomes liable for
  cleanup or other costs under any such laws, and (b) agrees to indemnity and
  hold harmless Lender against any and all claims, losses, liabilities, damages,
  penalties, and expenses which Lender may directly or indirectly sustain or
  suffer resulting from a breach of this section of the Agreement or as a
  consequence of any use, generation, manufacture, storage, disposal, release or
  threatened release occurring prior to Borrower's ownership or interest in the
  properties, whether or not the same was or should have been known to Borrower.
  The provisions of this section of the Agreement, including the obligation to
  indemnity, shall survive the payment of the Indebtedness and the termination
  or expiration of this Agreement and shall not be affected by Lender's
  acquisition of any interest in any of the properties, whether by foreclosure
  or otherwise.

  Litigation and Claims.  No litigation, claim, investigation, administrative
  proceeding or similar action (including those for unpaid taxes) against
  Borrower is pending or threatened, and no other event has occurred which may
  materially adversely affect Borrower's financial condition or properties,
  other than litigation, claims, or other events, if any, that have been
  disclosed to and acknowledged by Lender in writing.

  Taxes.  To the best of Borrower's knowledge, all tax returns and reports of
  Borrower that are or were required to be filed, have been filed, and all
  taxes, assessments and other governmental charges have been paid in full,
  except those previously being or to be contested by Borrower in good faith in
  the ordinary course of business and for which adequate reserves have been
  provided.

  Lien Priority.  Unless otherwise previously disclosed to Lender in writing,
  Borrower has not entered into or granted any Security Agreements, or permitted
  the filing or attachment of any Security Interests on or affecting any of the
  Collateral directly or indirectly securing repayment of Borrower's Loan and
  Note, that would be prior or that may in any way be superior to Lender's
  Security Interests and rights in and to such Collateral.

  Binding Effect.  This Agreement, the Note, all Security Agreements directly or
  indirectly securing repayment of Borrower's Loan and Note and all of the
  Related Documents are binding upon Borrower as well as upon Borrower's
  successors, representatives and assigns, and are legally enforceable in
  accordance with their respective terms.

  Commercial Purposes.  Borrower intends to use the Loan proceeds solely for
  business or commercial related purposes.

  Employee Benefit Plans.  Each employee benefit plan as to which Borrower may
  have any liability complies in all material respects with all applicable
  requirements of law and regulations, and (i) no Reportable Event nor
  Prohibited Transaction (as defined in ERISA) has occurred with respect to any
  such plan, (ii) Borrower has not withdrawn from any such plan or initiated
  steps to do so, (iii) no steps have been taken to terminate any such plan, and
  (iv) there are no unfunded liabilities other than those previously disclosed
  to Lender in writing.

  Location of Borrower's Offices and Records.  Borrower's place of business, or
  Borrower's Chief executive office, if Borrower has more than one place of
  business, is located at 678 Almanor Ave., Sunnyvale, CA 94086.  Unless
  Borrower has designated otherwise in writing this location is also the office
  or offices where Borrower keeps its records concerning the Collateral.

  Information.  All information heretofore or contemporaneously herewith
  furnished by Borrower to Lender for the purposes of or in connection with this
  Agreement or any transaction contemplated hereby is, and all information
  hereafter furnished by or on behalf of Borrower to Lender will be, true and
  accurate in every material respect on the date as of which such information is
  dated or certified; and none of such information is or will be incomplete by
  omitting to state any material fact necessary to make such information not
  misleading.

  Survival of Representations and Warranties.  Borrower understands and agrees
  that Lender, without independent investigation, is relying upon the above
  representations and warranties in making the above referenced Loan to
  Borrower.  Borrower further agrees that the foregoing representations and
  warranties shall be continuing in nature and shall remain in full force and
  effect until such time as Borrower's Indebtedness shall be paid in full, or
  until this Agreement shall be terminated in the manner provided above,
  whichever is the last to occur.

AFFIRMATIVE COVENANTS.  Borrower covenants and agrees with Lender that, while
this Agreement is in effect, Borrower will:

  Litigation.  Promptly inform Lender in writing of (a) all material adverse
  changes in Borrower's financial condition, and (b) all existing and all
  threatened litigation, claims, investigations, administrative proceedings or
  similar actions affecting Borrower or any Guarantor which could materially
  affect the financial condition of Borrower or the financial condition of any
  Guarantor.

  Financial Records.  Maintain its books and records in accordance with
  generally accepted accounting principles, applied on a consistent basis, and
  permit Lender to examine and audit Borrower's books and records at all
  reasonable times.

  Financial Statements.  Furnish Lender with, as soon as available, but in no
  event later than ninety (90) days after the end of each fiscal year,
  Borrower's balance sheet and income statement for the year ended, compiled by
  a certified public accountant satisfactory to Lender.  All financial reports
  required to be provided under this Agreement shall be prepared in accordance
  with generally accepted accounting principles, applied on a consistent basis,
  and certified by Borrower as being true and correct.

                                       3
<PAGE>

  Additional Information.  Furnish such additional information and statements,
  lists of assets and liabilities, agings of receivables and payables, inventory
  schedules, budgets, forecasts, tax returns, and other reports with respect to
  Borrower's financial condition and business operations as Lender may request
  from time to time.

  Insurance.  Maintain fire and other risk insurance, public liability
  insurance, and such other insurance as Lender may require with respect to
  Borrower's properties and operations, in form, amounts, coverages and with
  insurance companies reasonably acceptable to Lender.  Borrower, upon request
  of Lender, will deliver to Lender from time to time the policies or
  certificates of insurance in form satisfactory to Lender, including
  stipulations that coverages will not be cancelled or diminished without at
  least ten (10) days' prior written notice to Lender.  Each insurance policy
  also shall include an endorsement providing that coverage in favor of Lender
  will not be impaired in any way by any act, omission or default of Borrower or
  any other person.  In connection with all policies covering assets in which
  Lender holds or is offered a security interest for the Loans, Borrower will
  provide Lender with such loss payable or other endorsements as Lender may
  require.

  Insurance Reports.  Furnish to Lender, upon request of Lender, reports on each
  existing insurance policy showing such information as Lender may reasonably
  request, including without limitation the following: (a) the name of the
  insurer; (b) the risks insured; (c) the amount of the policy; (d) the
  properties insured; (e) the then current property values on the basis of which
  insurance has been obtained, and the manner of determining those values; and
  (f) the expiration date of the policy.  In addition, upon request of Lender
  (however not more often than annually), Borrower will have an independent
  appraiser satisfactory to Lender determine, as applicable, the actual cash
  value or replacement cost of any Collateral.  The cost of such appraisal shall
  be paid by Borrower.

  Other Agreements.  Comply with all terms and conditions of all other
  agreements, whether now or hereafter existing, between Borrower and any other
  party and notify Lender immediately in writing of any default in connection
  with any other such agreements.

  Loan Proceeds.  Use all Loan proceeds solely for Borrowers business
  operations, unless specifically consented to the contrary by Lender in
  writing.

  Taxes, Charges and Liens.  Pay and discharge when due all of its indebtedness
  and obligations, including without limitation all assessments, taxes,
  governmental charges, levies and liens, of every kind and nature, imposed upon
  Borrower or its properties, income, or profits, prior to the date on which
  penalties would attach, and all lawful claims that, if unpaid, might become a
  lien or charge upon any of Borrower's properties, income, or profits.
  Provided however, Borrower will not be required to pay and discharge any such
  assessment, tax, charge, levy, lien or claim so long as (a) the legality of
  the same shall be contested in good faith by appropriate proceedings, and (b)
  Borrower shall have established on its books adequate reserves with respect to
  such contested assessment, tax, charge, levy, lien, or claim in accordance
  with generally accepted accounting practices.  Borrower, upon demand of
  Lender, will furnish to Lender evidence of payment of the assessments, taxes,
  charges, levies, liens and claims and will authorize the appropriate
  governmental official to deliver to Lender at any time a written statement of
  any assessments, taxes, charges, levies, liens and claims against Borrower's
  properties, income, or profits.

  Performance.  Perform and comply with all terms, conditions, and provisions
  set forth in this Agreement and in the Related Documents in a timely manner,
  and promptly notify Lender if Borrower learns of the occurrence of any event
  which constitutes an Event of Default under this Agreement or under any of the
  Related Documents.

  Operations.  Maintain executive and management personnel with substantially
  the same qualifications and experience as the present executive and management
  personnel; provide written notice to Lender of any change in executive and
  management personnel; conduct its business affairs in a reasonable and prudent
  manner and in compliance with all applicable federal, state and municipal
  laws, ordinances, rules and regulations respecting its properties, charters,
  businesses and operations, including without limitation, compliance with the
  Americans With Disabilities Act and with all minimum funding standards and
  other requirements of ERISA and other laws applicable to Borrower's employee
  benefit plans.

  Inspection.  Permit employees or agents of Lender at any reasonable time to
  inspect any and all Collateral for the Loan or Loans and Borrower's other
  properties and to examine or audit Borrower's books, accounts, and records and
  to make copies and memoranda of Borrower's books, accounts, and records.  If
  Borrower now or at any time hereafter maintains any records (including without
  limitation computer generated records and computer software programs for the
  generation of such records) in the possession of a third party, Borrower, upon
  request of Lender, shall notify such party to permit Lender free access to
  such records at all reasonable times and to provide Lender with copies of any
  records it may request, all at Borrower's expense.

  Environmental Compliance and Reports.  Borrower shall comply in all respects
  with all environmental protection federal, state and local laws, statutes,
  regulations and ordinances; not cause or permit to exist, as a result of an
  intentional or unintentional action or omission on its part or on the part of
  any third party, on property owned and/or occupied by Borrower, any
  environmental activity where damage may result to the environment, unless such
  environmental activity is pursuant to and in compliance with the conditions of
  a permit issued by the appropriate federal, state or local governmental
  authorities; shall furnish to Lender promptly and in any event within thirty
  (30) days after receipt thereof a copy of any notice, summons, lien, citation,
  directive, letter or other communication from any governmental agency or
  instrumentality concerning any intentional or unintentional action or omission
  on Borrower's part in connection with any environmental activity whether or
  not there is damage to the environment and/or other natural resources.

  Additional Assurances.  Make, execute and deliver to Lender such promissory
  notes, mortgages, deeds of trust, security agreements, financing statements,
  instruments, documents and other agreements as Lender or its attorneys may
  reasonably request to evidence and secure the Loans and to perfect all
  Security Interests.

RECOVERY OF ADDITIONAL COSTS.  If the imposition of or any change in any law,
rule, regulation or guideline, or the interpretation or application of any
thereof by any court or administrative or governmental authority (including any
request or policy not having the force of law) shall impose, modify or make
applicable any taxes (except U.S. federal, state or local income or franchise
taxes imposed on Lender), reserve requirements, capital adequacy requirements or
other obligations which would (a) increase the cost to Lender for extending or
maintaining the credit facilities to which this Agreement relates, (b) reduce
the amounts payable to Lender under this Agreement or the Related Documents, or
(c) reduce the rate of return on Lender's capital as a consequence of Lender's
obligations with respect to the credit facilities to which this Agreement
relates, then Borrower agrees to pay Lender such additional amounts as will
compensate Lender therefor, within five (5) days after Lender's whiten demand
for such payment, which demand shall be

                                       4
<PAGE>

accompanied by an explanation of such imposition or charge and a calculation in
reasonable detail of the additional amounts payable by Borrower, which
explanation and calculations shall be conclusive in the absence of manifest
error.

NEGATIVE COVENANTS.  Borrower covenants and agrees with Lender that while this
Agreement is in effect, Borrower shall not, without the prior written consent of
Lender:

  Indebtedness and Liens.  (a) Except for trade debt incurred in the normal
  course of business and indebtedness to Lender contemplated by this Agreement,
  create, incur or assume indebtedness for borrowed money, including capital
  leases, (b) except as allowed as a Permitted Lien, sell, transfer, mortgage,
  assign, pledge, lease, grant a security interest in, or encumber any of
  Borrower's assets, or (c) sell with recourse any of Borrower's accounts,
  except to Lender.

  Continuity of Operations.  (a) Engage in any business activities substantially
  different than those in which Borrower is presently engaged, (b) cease
  operations, liquidate, merge, transfer, acquire or consolidate with any other
  entity, change ownership, change its name, dissolve or transfer or sell
  Collateral out of the ordinary course of business, (c) pay any dividends on
  Borrowers stock (other than dividends payable in its stock), provided, however
  that notwithstanding the foregoing, but only so long as no Event of Default
  has occurred and is continuing or would result from the payment of dividends,
  if Borrower is a "Subchapter S Corporation" (as defined in the Internal
  Revenue Code of 1986, as amended), Borrower may pay cash dividends on its
  stock to its shareholders from time to time in amounts necessary to enable the
  shareholders to pay income taxes and make estimated income tax payments to
  satisfy their liabilities under federal and state law which arise solely from
  their status as Shareholders of a Subchapter S Corporation because of their
  ownership of shares of stock of Borrower, or (d) purchase or rebre any of
  Borrower's outstanding shares or alter or amend Borrower's capital structure.

  Loans, Acquisitions and Guaranties.  (a) Loan, invest in or advance money or
  assets, (b) purchase, create or acquire any interest in any other enterprise
  or entity, or (c) incur any obligation as surety or guarantor other than in
  the ordinary course of business.

CESSATION OF ADVANCES.  If Lender has made any commitment to make any Loan to
Borrower, whether under this Agreement or under any other agreement, Lender
shall have no obligation to make Loan Advances or to disburse Loan proceeds if:
(a) Borrower or any Guarantor is in default under the terms of this Agreement or
any of the Related Documents or any other agreement that Borrower or any
Guarantor has with Lender; (b) Borrower or any Guarantor becomes insolvent,
files a petition in bankruptcy or similar proceedings, or is adjudged a
bankrupt; (c) there occurs a material adverse change in Borrower's financial
condition, in the financial condition of any Guarantor, or in the value of any
Collateral securing any Loan; (d) any Guarantor seeks, claims or otherwise
attempts to limit, modify or revoke such Guarantor's guaranty of the Loan or any
other loan with Lender; or (e) Lender in good faith deems itself insecure, even
though no Event of Default shall have occurred.

PRIMARY BANKING RELATIONSHIP.  Borrower will maintain it's primary banking
accounts with Lender in order to facilitate the operations of the company and
it's credit arrangements with Lender.

OTHER FINANCIAL REQUIREMENT.  Borrower covenants and agrees with Lender that
while this Agreement is in effect Borrower will furnish Lender with a copy of
Borrower's filed federal income tax return, as soon as available, but in no
event later than thirty (30) days from the date of filing.

ADDITIONAL PROVISIONS:.  See Addendum to Business Loan Agreement attached hereto
and made a part hereof by this reference.

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

  Default on Indebtedness.  Failure of Borrower to make any payment when due on
  the Loans.

  Other Defaults.  Failure of Borrower or any Grantor 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 failure of Borrower
  to comply with or to perform any other term, obligation, covenant or condition
  contained in any other agreement between Lender and Borrower.

  Default in Favor of Third Parties.  Should Borrower or any Grantor default
  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 or any
  Grantor's ability to repay the Loans or perform their respective obligations
  under this Agreement or any of the Related Documents.

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

  Defective Collateralization.  This Agreement or any of the Related Documents
  ceases to be in full force and effect (including failure of any Security
  Agreement to create a valid and perfected Security Interest) at any time and
  for any reason.

  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, any creditor of any Grantor against
  any collateral securing the Indebtedness, or by any governmental agency.  This
  includes a garnishment, attachment, or levy on or of any of Borrower's deposit
  accounts with Lender.  However, this Event of Default shall not apply if there
  is a good faith dispute by Borrower or Grantor, as the case may be, as to the
  validity or reasonableness of the claim which is the basis of the creditor or
  forfeiture proceeding, and if Borrower or Grantor gives Lender written notice
  of the creditor or forfeiture proceeding and furnishes reserves or a surety
  bond for the creditor or forfeiture proceeding satisfactory to Lender.

                                       5
<PAGE>

  Events Affecting Guarantor.  Any of the preceding events occurs with respect
  to any Guarantor of any of the Indebtedness or any Guarantor dies or becomes
  incompetent, or revokes or disputes the validity of, or liability under, any
  Guaranty of the Indebtedness.  Lender, at its option, may, but shall not be
  required to, permit the Guarantor's estate to assume unconditionally the
  obligations arising under the guaranty in a manner satisfactory to Lender,
  and, in doing so, cure the Event of Default.

  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, deems itself insecure.

  Right to Cure.  If any default, other than a Default on Indebtedness, is
  curable and if Borrower or Grantor, as the case may be, has not been given a
  notice of a similar default within the preceding twelve (12) months, it may be
  cured (and no Event of Default will have occurred) if Borrower or Grantor, as
  the case may be, after receiving written notice from Lender demanding cure of
  such default: (a) cures the default within fifteen (15) days; or (b) if the
  cure requires more than fifteen (15) 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.

EFFECT OF AN EVENT OF DEFAULT.  If any Event of Default shall occur, except
where otherwise provided in this Agreement or the Related Documents, all
commitments and obligations of Lender under this Agreement or the Related
Documents or any other agreement immediately will terminate and, at Lender's
option, all Indebtedness immediately will become due and payable, all without
notice of any kind to Borrower, except that in the case of an Event of Default
of the type described in the "Insolvency" subsection above, such acceleration
shall be automatic and not optional.  In addition, Lender shall have all the
rights and remedies provided in the Related Documents or available at law, in
equity, or otherwise.  Except as may be prohibited by applicable law, all of
Lender's rights and remedies shall be cumulative and may be exercised singularly
or concurrently.  Election by Lender to pursue any remedy shall not exclude
pursuit of any other remedy, and an election to make expenditures or to take
action to perform an obligation of Borrower or of any Grantor shall not affect
Lender's right to declare a default and to exercise its rights and remedies.

MISCELLANEOUS PROVISIONS.  The following miscellaneous provisions are a part of
this Agreement:

  Amendments.  This Agreement, together with any Related Documents, constitutes
  the entire understanding and agreement of the parties as to the matters set
  forth in this Agreement.  No alteration of or amendment to this Agreement
  shall be effective unless given in writing and signed by the party or parties
  sought to be charged or bound by the alteration or amendment.

  Applicable Law.  This Agreement has been delivered to Lender and accepted by
  Lender in the State of California.  If there is a lawsuit, Borrower agrees
  upon Lender's request to submit to the jurisdiction of the courts of San
  Francisco County, the State of California.  Subject to the provisions on
  arbitration, this Agreement shall be governed by and construed in accordance
  with the laws of the State of California.

  Arbitration.  Lender and Borrower agree that all disputes, claims and
  controversies between them, whether Individual, joint, or class in nature,
  arising from this Agreement or otherwise, Including without limitation
  contract and tort disputes, shall be arbitrated pursuant to the Rules of the
  American Arbitration Association, upon request of either party.  No act to
  take or dispose of any Collateral shall constitute a waiver of this
  arbitration agreement or be prohibited by this arbitration agreement.  This
  includes, without limitation, obtaining injunctive relief or a temporary
  restraining order; invoking a power of sale under any deed of trust or
  mortgage; obtaining a writ of attachment or imposition of a receiver; or
  exercising any rights relating to personal property, including taking or
  disposing of such property with or without judicial process pursuant to
  Article 9 of the Uniform Commercial Code.  Any disputes, claims, or
  controversies concerning the lawfulness or reasonableness of any act, or
  exercise of any right, concerning any Collateral, including any claim to
  rescind, reform, or otherwise modify any agreement relating to the Collateral,
  shall also be arbitrated, provided however that no arbitrator shall have the
  right or the power to enjoin or restrain any act of any party.  Lender and
  Borrower agree that in the event of an action for judicial foreclosure
  pursuant to California Code of Civil Procedure Section 726, or any similar
  provision in any other state, the commencement of such an action will not
  constitute a waiver of the right to arbitrate and the court shall refer to
  arbitration as much of such action, including counterclaims, as lawfully may
  be referred to arbitration.  Judgment upon any award rendered by any
  arbitrator may be entered in any court having jurisdiction.  Nothing in this
  Agreement shall preclude any party from seeking equitable relief from a court
  of competent jurisdiction.  The statute of limitations, estoppel, waiver,
  laches, and similar doctrines which would otherwise be applicable in an action
  brought by a party shall be applicable in any arbitration proceeding, and the
  commencement of an arbitration proceeding shall be deemed the commencement of
  an action for these purposes.  The Federal Arbitration Act shall apply to the
  construction, interpretation, and enforcement of this arbitration provision.

  Caption Headings.  Caption headings in this Agreement are for convenience
  purposes only and are not to be used to interpret or define the provisions of
  this Agreement.

  Consent to Loan Participation.  Borrower agrees and consents to Lender's sale
  or transfer, whether now or later, of one or more participation interests in
  the Loans to one or more purchasers, whether related or unrelated to Lender.
  Lender may provide, without any limitation whatsoever, to any one or more
  purchasers, or potential purchasers, any information or knowledge Lender may
  have about Borrower or about any other matter relating to the Loan, and
  Borrower hereby waives any rights to privacy it may have with respect to such
  matters.  Borrower additionally waives any and all notices of sale of
  participation interests, as well as all notices of any repurchase of such
  participation interests.  Borrower also agrees that the purchasers of any such
  participation interests will be considered as the absolute owners of such
  interests in the Loans and will have all the rights granted under the
  participation agreement or agreements governing the sale of such participation
  interests.  Borrower further waives all rights of offset or counterclaim that
  it may have now or later against Lender or against any purchaser of such a
  participation interest and unconditionally agrees that either Lender or such
  purchaser may enforce Borrower's obligation under the Loans irrespective of
  the failure or insolvency of any holder of any interest in the Loans.
  Borrower further agrees that the purchaser of any such participation interests
  may enforce its interests irrespective of any personal claims or defenses that
  Borrower may have against Lender.

                                       6
<PAGE>

  Costs and Expenses.  Borrower agrees to pay upon demand all of Lender's
  expenses, including without limitation attorneys' fees, incurred in connection
  with the preparation, execution, enforcement, modification and collection of
  this Agreement or in connection with the Loans made pursuant to this
  Agreement.  Lender may pay someone else to help collect the Loans and to
  enforce this Agreement, and Borrower will pay that amount.  This includes,
  subject to any limits under applicable law, Lender's attorneys' fees and
  Lenders legal expenses, whether or not there is a lawsuit, including
  attorneys' fees for bankruptcy proceedings (including efforts to modify or
  vacate any automatic stay or injunction), appeals, and any anticipated post-
  judgment collection services.  Borrower also will pay any court costs, in
  addition to all other sums provided by law.

  Notices.  All notices required to be given under this Agreement shall be given
  in writing, may be sent by telefacsimile (unless otherwise required by law),
  and shall be effective when actually delivered or when deposited with a
  nationally recognized overnight courier or deposited in the United States
  mail, first class, postage prepaid, addressed to the party to whom the notice
  is to be given at the address shown above.  Any party may change its address
  for notices under this Agreement by giving formal written notice to the other
  parties, specifying that the purpose of the notice is to change the party's
  address.  To the extent permitted by applicable law, it there is more than one
  Borrower, notice to any Borrower will constitute notice to all Borrowers.  For
  notice purposes, Borrower will keep Lender informed at all times of Borrowers
  current address(es).

  Severability.  If a court of competent jurisdiction finds any provision of
  this Agreement to be invalid or unenforceable as to any person or
  circumstance, such finding shall not render that provision invalid or
  unenforceable as to any other persons or circumstances.  If feasible, any such
  offending provision shall be deemed to be modified to be within the limits of
  enforceability or validity; however, if the offending provision cannot be so
  modified, it shall be stricken and all other provisions of this Agreement in
  all other respects shall remain valid and enforceable.

  Subsidiaries and Affiliates of Borrower.  To the extent the context of any
  provisions of this Agreement makes it appropriate, including without
  limitation any representation, warranty or covenant, the word "Borrower" as
  used herein shall include all subsidiaries and affiliates of Borrower.
  Notwithstanding the foregoing however, under no circumstances shall this
  Agreement be construed to require Lender to make any Loan or other financial
  accommodation to any subsidiary or affiliate of Borrower.

  Successors and Assigns.  All covenants and agreements contained by or on
  behalf of Borrower shall bind its successors and assigns and shall inure to
  the benefit of Lender, its successors and assigns.  Borrower shall not,
  however, have the right to assign its rights under this Agreement or any
  interest therein, without the prior written consent of Lender.

  Survival.  All warranties, representations, and covenants made by Borrower in
  this Agreement or in any certificate or other instrument delivered by Borrower
  to Lender under this Agreement shall be considered to have been relied upon by
  Lender and will survive the making of the Loan and delivery to Lender of the
  Related Documents, regardless of any investigation made by Lender or on
  Lender's behalf.

  Time is of the Essence.  Time is of the essence in the performance of this
  Agreement.

  Waiver.  Lender shall not be deemed to have waived any rights under this
  Agreement unless such waiver is given in writing and signed by Lender.  No
  delay or omission on the part of Lender in exercising any right shall operate
  as a waiver of such right or any other right.  A waiver by Lender of a
  provision of this Agreement shall not prejudice or constitute a waiver of
  Lender's right otherwise to demand strict compliance with that provision or
  any other provision of this Agreement.  No prior waiver by Lender, nor any
  course of dealing between Lender and Borrower, or between Lender and any
  Grantor, shall constitute a waiver of any of Lender's rights or of any
  obligations of Borrower or of any Grantor as to any future transactions.
  Whenever the consent of Lender is required under this Agreement, the granting
  of such consent by Lender in any instance shall not constitute continuing
  consent in subsequent instances where such consent is required, and in all
  cases such consent may be granted or withheld in the sole discretion of
  Lender.

BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS BUSINESS LOAN
AGREEMENT, AND BORROWER AGREES TO ITS TERMS.  THIS AGREEMENT IS DATED AS OF
NOVEMBER 20,1997.

BORROWER:

ARTEST CORPORATION

By: /s/ Jen Kao
   ---------------------------
   Jen Kao, President/CEO

LENDER:

Sumitomo Bank of California

By: /s/
   ---------------------------
   Authorized Officer

                                       7
<PAGE>

                      ADDENDUM TO BUSINESS LOAN AGREEMENT

This Addendum is made to that certain Business Loan Agreement ("Agreement") of
even date herewith by and between Artest Corporation ("Borrower") and the
Sumitomo Bank of California ("Lender").

1.  LOAN FACILITIES

    1.1  Bank agrees to make available to Borrower the following credit on the
    following terms, covenants and conditions:

    a.   Non-Revolving Facility.  Through November 30, 1998, (the "Availability
         ----------------------
         Period"), and so long as no Event of Default has occurred and is
         continuing, Bank will, on a non-revolving basis, make advances to
         Borrower ("Credit Facility"), which may not at any time exceed, in the
         aggregate outstanding, Six Million Five Hundred Thousand Dollars
         ($6,500,000) (the "Credit Facility Limit"). Borrower's obligation to
         repay each advance under the Credit Facility shall be evidenced by a
         promissory note, in a form acceptable to Bank (each an "Advance Note").
         Borrower agrees that Borrower will not permit the outstanding balance
         under the Credit Facility to exceed the Credit Facility Limit. Each
         advance shall be in the minimum amount of $10,000.00.

2.  TERMS

    2.1  Availability Period.
         -------------------

    a.   Credit Facility.  Borrower may draw on the Credit Facility during the
         ---------------
         Availability Period, unless there is an Event of Default in which case
         the Bank need not make any advances and may immediately accelerate all
         obligations of Borrower pursuant to this Agreement.

    2.2  Interest Rate.
         -------------

    a.   Credit Facility interest Rate.  Interest on advances on the Credit
         -----------------------------
         Facility shall accrue at a fixed rate equal to the five (5) year
         Treasury Note rate, determined by Bank at the time of the advance, plus
         One and One-half percent per annum. The interest rate shall be further
         described in the Advance Notes.

                                       8
<PAGE>

    2.3  Repayment Terms.
         ---------------

    a.   Credit Facility.  Borrower shall pay principal and interest under the
         ---------------
         Advance Notes in monthly installments with a five (5) year term and
         five (5) year amortization as further provided in each Advance Note. No
         maturity date under an Advance Note shall be later than September 30,
         2002.

    2.4  Fees.
         ----

    a.  Loan Fees.  Borrower agrees to pay the amount of Two Thousand Dollars
        ---------
        ($2,000.00) to Bank as a loan fee for the Credit Facility.

3.  SECURITY AND OBLIGATIONS

    3.1  Collateral.  All obligations of Borrower under the Agreement shall be
         ----------
    secured by a certified deposit in the principal sum of $4,500,000.00 plus
    Borrower's Equipment as provided in each security document as Bank requires.

    3.2  Collateral Release.  Upon Borrower attaining a Debt Service Coverage
         ------------------
    Ratio of 1.25 to 1.0 for any one operating fiscal year, upon Borrower's
    written request, the Bank shall release of up fifty percent (50%) of the
    Certificate of Deposit pledged as collateral, on a one-time basis, provided
    at the time of the request there is no Event of Default. The Debt Service
    Coverage Ratio shall be determined by the Bank to its own satisfaction and
    such determination shall be conclusive in the absence of manifest error. The
    Debt Service Coverage Ratio shall be determined from Borrower's 1998 year
    end, C.P.A. reviewed financial statements and/or 1998 tax returns and such
    other documents as Bank requires. The Debt Service Coverage Ratio is the
    ratio of Borrower's 1998 pretax net income, after all expenses (other than
    debt service on the Credit Facility) to debt service on the Credit Facility
    over the year. As required by Bank, Borrower shall execute such new security
    documents as Bank requires and obtain a new certificate of deposit for the
    remaining balance of the collateral after the release.

4.  DISBURSEMENTS, PAYMENTS AND COSTS

    4.1  Request for Credit.  Each request for an advance under the Credit
         ------------------
    Facility will be made in writing in a manner

                                       9
<PAGE>

    acceptable to Bank, or by any other means acceptable to Bank.

    4.2  Conditions to Each Line of Credit Advance.
          -----------------------------------------

    The obligation of Bank to make any advances under the Credit Facility
    (including the initial advance) shall be subject to each of the conditions
    precedent that on the date of such advance:

    a.  Borrower's execution of the Advance Note and such security agreement and
        UCC-1 financing statement in form acceptable to Bank.

    b.  Following the making of any such advances, the aggregate principal
        amount outstanding on the Credit Facility shall not exceed $6,500,000.00

a.  There shall be no Event of Default.

    a.  Advances on the Credit Facility may only be used to finance equipment
        purchases and be limited to 100% of invoice amount, plus tax, license
        and freight.

b.  Such other documents as Bank may reasonably require.

Dated:   November 24, 1997

ARTEST CORPORATION

By:    /s/
       ----------------------
Name:  Jen Kao
Title: President

SUMITOMO BANK OF CALIFORNIA

By:    /s/
       ----------------------
Name:
Title:

                                       10
<PAGE>

                             MODIFICATION AGREEMENT

     This Modification Agreement ("Agreement") is made and entered as of
December 29, 1997, between THE SUMITOMO BANK OF CALIFORNIA, a California
corporation ("Lender"), and ARTEST CORPORATION, a California corporation
("Borrower").

                                    RECITALS

     A.  Pursuant to the terms of a Business Loan Agreement ("Loan Agreement")
and an Addendum to Business Loan Agreement ("Addendum") between Lender and
Borrower entered as of November 20, 1997, Lender made a non-revolving line of
credit available to Borrower in the original principal amount of $6,500,000.00.
The Loan Agreement, Addendum and other documents executed therewith and pursuant
thereto are referenced as "Loan Documents."

     B.  Borrower and Lender have agreed to modify the terms of the Addendum as
set forth in this Agreement.

                                   AGREEMENT
                                   ---------

     NOW, THEREFORE, Borrower and Lender agree as follows:

     1.  Adoption of Recitals.  Borrower hereby represents and warrants that
         --------------------
each of the recitals set forth above is true, accurate and complete.

     2.  Modification of Loan Documents.  The Loan Documents are hereby
         ------------------------------
supplemented, amended and modified to incorporate the following, which shall
supersede and prevail over any existing and conflicting provisions thereof:

         (a)  Section 2.3.a. of the Addendum is deleted and replaced with the
following:

         "Credit Facility.  Borrower shall pay principal and interest under the
          ---------------
         Advance Notes in fully amortized monthly installments as further
         provided in each Advance Note.  No maturity date under an Advance Note
         shall be later than November 30, 2002."

         (b)  The section entitled "Term" in the Loan Agreement is amended by
deleting "September 30, 2002" and inserting in its place "November 30, 2002."

     3.  Governing Law.  This Agreement shall be construed, governed and
         -------------
enforced in accordance with the laws of the State of California.

     4.  Interpretation.  No provision of this Agreement is to be interpreted
         --------------
for Or against either Borrower or Lender because that party, or that party's
representative, drafted such provision.

                                       11
<PAGE>

     5.  Full Force and Effect.  Except as set forth herein, all other terms and
         ---------------------
conditions of the Loan Documents shall remain in full force and effect.

     6.  Reaffirmation.  Borrower hereby acknowledges, reaffirms and confirms
         -------------
its obligations under the Loan Documents, as amended and modified by this
Agreement.

     7.  Entire Agreement.  This Agreement and the Loan Documents represent the
         ----------------
entire agreement of the parties and supersede all prior oral and written
communication between the parties.  If there is any conflict between this
Agreement and any documents referred to herein, this Agreement shall prevail.
No amendment of this Agreement shall be valid unless it is in writing and is
signed by the parties to this Agreement.

     8.  Counterparts.  This Agreement may be executed in any number of
         ------------
counterparts, and each counterpart shall be deemed an original for all purposes.

     IN WITNESS WHEREOF, the parties have executed this Agreement as of the day
and year first above written.

LENDER:                                        BORROWER:
THE SUMITOMO BANK OF CALIFORNIA, a             ARTEST CORPORATION, a California
 California banking corporation                corporation

By:  /s/                                       By:  /s/ Jen Kao
   -------------------------------                -----------------------------
   Name:                                          Name:  Jen Kao
   Title:                                         Title: President

                                       12

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