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                                                                       EXHIBIT A
EXHIBIT 10.2

THE SECURITIES EVIDENCED BY THIS WARRANT HAVE NOT BEEN REGISTERED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED, AND MAY NOT BE SOLD, TRANSFERRED, ASSIGNED,
PLEDGED OR OTHERWISE DISPOSED OF UNLESS THERE IS AN EFFECTIVE REGISTRATION
STATEMENT UNDER SUCH ACT COVERING SUCH SECURITIES OR THE ISSUER RECEIVES AN
OPINION OF COUNSEL STATING THAT SUCH DISPOSITION IS EXEMPT FROM THE REGISTRATION
AND PROSPECTUS DELIVERY REQUIREMENTS OF SUCH ACT.

                        WARRANT TO PURCHASE COMMON STOCK
                          OF PRISM SOFTWARE CORPORATION

         This certifies that ____________ (the "Holder"), and the Holder's
registered successors and assigns, are entitled, subject to the terms and
conditions set forth below, to purchase from Prism Software Corporation, a
Delaware corporation (the "Company"), the number of shares of the Common Stock
of the Company set forth below at an exercise price of $ .12 per share (the
"Exercise Price"), as such may have been adjusted as of the time of exercise
pursuant to the provisions of paragraph 2 below.

         The term "Warrant Shares" as used herein includes the shares of the
Company's Common Stock (and such other securities or property into which such
shares of Common Stock may hereafter be changed) which are at the time
receivable by the Holder upon exercise of this Warrant. The term "Warrant" as
used herein shall include this Warrant and any Warrant delivered in substitution
or exchange herefor.

         1. EXERCISE AND EXPIRATION. This Warrant may be exercised in whole or
in part at any time or times on or after the date of original issuance hereof,
but must be exercised prior to three years from the date of issuance, at which
time this Warrant shall expire. This Warrant shall be exercisable by delivery by
the holder hereof to the Company of (i) the original of this Warrant, (ii)
payment in form acceptable to the Company of the Exercise Price of the Warrant
being exercised, and (iii) written instructions as to the number of Warrant
shares covered by the exercise.

         2. ADJUSTMENT OF EXERCISE PRICE. The Exercise Price shall be subject to
adjustment from time to time as follows:

                  (a) In the event the Company should at any time or from time
to time fix a record date for the effectuation of a split or subdivision of the
outstanding shares of Common Stock or the determination of holders of Common
Stock entitled to receive a dividend or other distribution payable in additional
shares of Common Stock or other securities or rights convertible into, or
entitling the holder thereof to receive directly or indirectly, additional
shares of Common Stock (hereinafter referred to as "Common Stock Equivalents")
without payment of any consideration by such holder for the additional shares of
Common Stock or the Common Stock Equivalents (including the additional shares of
Common Stock issuable upon conversion or exercise thereof), then, as of such
record date (or the date of such dividend distribution, split or subdivision if
no record date is fixed), the Exercise Price shall be appropriately decreased so
that the number of shares of Common Stock issuable on exercise hereof shall be
increased in proportion to such increase of the aggregate of shares of Common
Stock outstanding.

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                                                                       EXHIBIT A

                  (b) If the number of outstanding shares of Common Stock is
decreased by a combination of the outstanding shares of Common Stock, then,
following the record date of such combination, the Exercise Price shall be
appropriately increased so that the number of shares of Common Stock issuable on
exercise hereof shall be decreased in proportion to such decrease in outstanding
shares.

                  (c) If at any time or from time to time there shall be a
recapitalization of the Common Stock, provision shall be made so that the holder
hereof shall thereafter be entitled to receive upon exercise of this Warrant the
number of shares of stock or other securities or property of the Company or
otherwise, to which a holder of Common Stock deliverable upon exercise would
have been entitled on such recapitalization. In any such case, appropriate
adjustment shall be made in the application of the provisions of this paragraph
2 with respect to the rights of the holder hereof after the recapitalization to
the end that the provisions of this paragraph 2 (including adjustment of the
Exercise Price then in effect and the number of shares purchasable upon exercise
hereof) shall be applicable after that event as nearly equivalent as may be
practicable.

         3. TRANSFER OF WARRANT. This Warrant shall be registered on the books
of the Company and, subject to compliance with applicable securities laws, shall
be transferable in whole or in part on such books upon surrender of this Warrant
by the registered Holder hereof in person or by a duly authorized attorney.

         4. RESERVATION OF COMMON STOCK. The Company hereby covenants and agrees
that it shall at all times reserve and keep authorized and available for
issuance, free of any preemptive rights or rights of first refusal, a sufficient
number of Warrant Shares for the purpose of issuance upon exercise of this
Warrant to permit the exercise of this Warrant in whole.

         5. MISCELLANEOUS. The holder of this Warrant shall not be entitled to
any rights of a shareholder of the Company prior to the exercise hereof.

         IN WITNESS WHEREOF, the Company has caused this Warrant to be duly
executed and delivered by its duly authorized officers as of __________________,
_______.

No. of Shares ____________________
                                                   Prism Software Corporation

                                                   By:
                                                       -------------------------
                                                       E. Ted Daniels, President

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EXHIBIT 10.3

                                CREDIT AGREEMENT

         This Loan Agreement is entered into as of March 15, 2003 by and between
the Conrad von Bibra Revocable Trust ("Lender") and Prism Software Corporation,
a Delaware corporation (the "Company");

                                    RECITALS:

         A. Lender has made certain advances to the Company, represented by
promissory notes;

         B. The parties desire to provide for future advances by the Lender to
the Company;

         NOW THEREFORE, in consideration of the mutual covenants set forth
herein, the parties agree as follows:

         1. PROCEDURE FOR BORROWING. Lender may advance additional funds, from
time to time, to meet the Company's capital needs, as such needs are determined
by Lender (the "Additional Advances"). Such advances shall be made upon written
or verbal requests by the Company, which requests shall include such supporting
documentation of the Company's capital needs as Lender may reasonably request.
The amounts borrowed shall be reflected on the books and records of Lender and
the Company; provided, however, that at Lender's request, the Company shall
execute a promissory note or notes evidencing the borrowings.

         2. TERMS OF BORROWINGS. The borrowings (the "Obligations") shall be on
the following terms and conditions

                  2.1 INTEREST RATE. The Obligations shall bear interest at a
rate equal to eight percent per annum. Interest not paid when due shall
thereafter bear like interest as the principal, but unpaid interest so
compounded shall not exceed the maximum rate permitted by law.

                  2.2 TERMS OF PAYMENT. Amounts due under the Obligations shall
be paid within three days after receipt of written demand for such amounts from
Lender. The Company may, at its option, prepay all or any amount owed prior to
such date. Unless otherwise specified by Lender, any such payment shall be
credited first to interest then due and the remainder to principal. To the
extent that the Company receives funding from other parties and there are excess
funds available, the Company will make a good faith effort to prepay all or a
portion of the Obligations.

                  2.3. USURY LIMITATION. In no event shall the interest rate
payable pursuant to this Agreement be higher than permitted by applicable law.

                  2.4 DEFAULT AND ACCELERATION. Upon the occurrence of any Event
of Default (as defined below), the Obligations shall be in default and Lender
shall have the right, at Lender's sole option, to declare all amounts owed under

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the Obligations immediately due and payable. Each of the following is an "Event
of Default": (a) the failure of the Company to pay any portion of principal or
interest when due, which failure is not cured within three calendar days after
written notice, (b) the entry of a decree or order for relief in respect of the
Company under Title 11 of the United States Code, as now constituted or
hereafter amended, or any other applicable Federal or state bankruptcy,
insolvency or similar law, or appointing a receiver, trustee, or custodian of
the Company or for any substantial part of the Company's property, which decree
or order is not stayed or set aside within 60 days thereafter, or (c) the filing
by the Company of a petition, answer or consent seeking relief under Title 11 of
the United States Code, as now constituted or hereafter amended, or the consent
by the Company to the institution of proceedings thereunder or to the
appointment of a receiver, trustee or custodian.

         3.   CONVERSION

                    3.1 RIGHT TO CONVERT. Lender may, from time to time, convert
all or any portion of the unpaid principal balance of the Obligations, and any
accrued interest, into shares of the Company's common stock ("Common Stock") at
a price of $ .05 per share (the "Conversion Price"). The Conversion Price is
subject to adjustment as set forth below.

                    3.2 MECHANICS OF CONVERSION. Conversion shall be effected by
giving the Company written notice at its principal executive office of the
election to convert (the "Conversion Notice") and by delivering any Promissory
Notes issued under this Agreement to such office for endorsement by the Company
to reflect the principal amount converted to shares of Common Stock. The
Conversion Notice shall state the name or names of the parties to whom the
certificate or certificates for shares of common stock should be issued and the
address to which the certificates are to be sent. As soon as practicable
thereafter, the Company shall issue and deliver to Lender at the address or
addresses designated in the Conversion Notice the certificate or certificates
for the number of shares of common stock to which such parties are entitled. At
its election, the Company may issue fractional shares or, in lieu thereof, make
a cash payment to Lender in an amount equal to the number of fractional shares
to be issued multiplied by the then fair market value of one share of the
Company's Common Stock as determined in good faith by the Company's Board of
Directors. Conversion shall be deemed to have occurred on the close of business
on the date the Conversion Notice is received by the Company.

                   3.3 CONVERSION PRICE. In order to prevent dilution of the
conversion rights granted under this Agreement, the Conversion Price will be
subject to adjustment from time to time as follows:

                           (i) If the Company at any time subdivides (by any
stock split, stock dividend or otherwise) its outstanding shares of Common Stock
into a greater number of shares, the Conversion Price will be proportionately
reduced, and if the Company at any time combines (by reverse stock split, or
otherwise) its outstanding shares of Common Stock into a smaller number of
shares, the Conversion Price will be proportionately increased.

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                           (ii) If any capital reorganization, reclassification,
consolidation or merger or any sale of substantially all of the Company's assets
(collectively, the "Corporate Transactions") is effected in such a way that the
holders of Common Stock become entitled to receive stock, securities or assets
with respect to or in exchange for Common Stock, then, as a condition to such
Corporate Transaction, lawful and adequate provision will be made whereby the
Lender will thereafter have the right to acquire and receive in lieu in shares
of Common Stock, such shares, securities or assets as would have been issuable
to the Lender if it had converted the principal amount of this Note immediately
prior to such Corporate Transaction.

                           (iii) In the event the Company issues additional
shares of Common Stock for a purchase price of less that $.05 per share, or
issues securities convertible or exercisable into Common Stock at a price of
less than $.05 per share, then the conversion price shall be automatically
adjusted to such lower conversion price unless waived in writing for a
particular case.

         4. ISSUANCE OF WARRANT ON CONVERSION. Upon the conversion of all or
part of the Obligations into Common Stock, the Company shall issue to Lender a
Warrant to purchase additional shares of Common Stock of the Company (equal to
the number of shares of Common Stock issued upon such conversion), at an
exercise price of $ .12 per share, in the form of Exhibit A hereto.

         5. ATTORNEYS' FEES. In the event any judicial proceedings are
instituted to enforce or interpret the rights and obligations of the Company and
the Lender under this Agreement, the prevailing party in such proceeding shall
be entitled to reasonable attorneys' fees and costs, as well as related costs of
collection and appeal.

         6. GOVERNING LAW. This Agreement and all transactions hereunder and/or
evidenced hereby shall be governed by, construed under, and enforced in
accordance with the laws of the State of California, without regard to any
choice of law or conflict of law provisions thereof.

         7. SEVERABILITY. Should any provision of this Agreement be declared or
be determined by any court to be invalid, illegal or unenforceable, such
provision shall be severable from the remainder of this Agreement, and the
legality, validity and enforceability of the remaining provisions shall not in
any way be affected or impaired thereby.

         In Witness Whereof, the parties have executed this Agreement as of the
date first above written.

                                    Prism Software Corporation

                                    By: /S/ E. TED DANIELS
                                        ---------------------------------------
                                        E. Ted Daniels, Chief Executive Officer

                                    /S/ CONRAD VON BIBRA
                                    ------------------------------------
                                    Conrad von Bibra, trustee for
                                    the Conrad von Bibra Revocable Trust

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