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                                                                   EXHIBIT 10.13

                              ELOYALTY CORPORATION
                        1999 EMPLOYEE STOCK PURCHASE PLAN
                (AS AMENDED AND RESTATED AS OF NOVEMBER 6, 2001)

                  1. Purpose. The purpose of the eLoyalty Corporation 1999
Employee Stock Purchase Plan (the "Plan") is to provide employees of eLoyalty
Corporation, a Delaware corporation (the "Company"), and its Subsidiary
Companies (as defined in Section 15) added incentive to remain employed by such
companies and to encourage increased efforts to promote the best interests of
such companies by permitting eligible employees to purchase shares of the common
stock, par value $.01, of the Company ("Common Stock") at below-market prices.
The Plan is intended to qualify as an "employee stock purchase plan" under
section 423 of the Internal Revenue Code of 1986, as amended (the "Code"). The
Company and its Subsidiary Companies are sometimes hereinafter called
individually a "Participating Company" or collectively the "Participating
Companies."

                  2. Eligibility. Participation in the Plan shall be open to
each employee of the Participating Companies (a) who has been continuously
employed by the Participating Companies for at least three months, (b) whose
customary employment by the Participating Companies is greater than 20 hours per
week; and (c) whose customary employment by the Participating Companies is more
than five months in any calendar year (each an "Eligible Employee") or any of
its subsidiaries. No right to purchase Common Stock hereunder shall accrue under
the Plan in favor of any person who is not an Eligible Employee as of the first
day of a Purchase Period (as defined in Section 4). Notwithstanding anything
contained in the Plan to the contrary, no Eligible Employee shall acquire a
right to purchase Common Stock hereunder (i) if, immediately after receiving
such right, such employee would own 5% or more of the total combined voting
power or value of all classes of stock of the Company or any Subsidiary Company
(including any stock attributable to such employee under section 424(d) of the
Code), or (ii) if for a given calendar year such right would permit such
employee's aggregate rights to purchase stock under all employee stock purchase
plans of the Company and its Subsidiary Companies or

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Parent Corporation (which aggregate rights are exercisable during such calendar
year) to accrue at a rate which exceeds $25,000 of fair market value of such
stock for such calendar year, all determined in the manner provided by section
423(b)(8) of the Code and the rules and regulations thereunder. In addition, the
number of shares of Common Stock which may be purchased by any Eligible Employee
during any Purchase Period shall not exceed 1,500, subject to adjustment
pursuant to Section 14. Notwithstanding the foregoing, effective upon the
implementation of the one-for-ten reverse stock split (which reverse stock split
is expected to be submitted to the stockholders for their approval at the
Special Meeting of stockholders anticipated to be held on December 18, 2001 (the
"Special Meeting")) the number of shares of Common Stock that may be purchased
by any Eligible Employee during any Purchase Period shall not exceed 200,
subject to further adjustment pursuant to Section 14.

                  3. Effective Date of Plan. The Plan was adopted by the Board
of Directors (the "Board") on October 21, 1999, and thereafter approved by the
stockholders of eLoyalty. The Plan became effective on February 16, 2000 (the
"Effective Date"), one day after the record date of the pro rata distribution by
Technology Solutions Company ("TSC") to its stockholders of all of the shares of
Common Stock then owned by TSC.

                  4. Purchase Periods. The first "Purchase Period" shall be the
period beginning on the Effective Date and ending on the last business day of
the calendar quarter in which the Effective Date occurs (or the last business
day of the first calendar quarter beginning after the Effective Date, if so
determined by the Committee prior to the Effective Date in its sole discretion),
and shall be followed thereafter by successive three-month Purchase Periods,
each of which shall begin on the first business day of the following calendar
quarter and end on the last business day of such calendar quarter.

                  5. Basis of Participation.

         (a) Each Eligible Employee shall be entitled to enroll in the Plan as
of the first day of any Purchase Period which begins on or after such employee
becomes an Eligible Employee and shall be considered a Participant in the Plan
thereafter (a "Participant").

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                  (i) To enroll in the Plan, an Eligible Employee shall execute
         and deliver a payroll deduction authorization (the "Authorization") to
         the Participating Company which is the Eligible Employee's employer, or
         its designated agent, in the time and manner specified by the
         Committee. The Authorization shall become effective on the first day of
         the Purchase Period commencing after the execution and delivery of such
         Authorization. Each Authorization shall direct that payroll deductions
         be made by the Participating Company which is the Eligible Employee's
         employer for each payroll period during which the Eligible Employee is
         a Participant in the Plan. The amount of each payroll deduction
         specified in an Authorization for each such payroll period shall be a
         whole percentage amount or a whole dollar amount, as determined by the
         Committee, in either case not to exceed 15%, or such lesser percentage
         as may be determined by the Committee, of the Participant's current
         regular wage, salary or earned commissions (before withholding or other
         deductions) paid to him or her by any of the Participating Companies.

                  (ii) Payroll deductions (and any other amount paid under the
         Plan) shall be made for each Participant in accordance with his or her
         or her Authorization until his or her participation in the Plan
         terminates or the Plan terminates, all as hereinafter provided.

                  (iii) A Participant may change the amount of his or her
         payroll deduction by filing a new Authorization with the Company or its
         designated agent, which shall become effective on the first day of the
         Purchase Period commencing after the execution and delivery of such
         Authorization. No other changes shall be permitted, except that a
         Participant may elect to terminate his or her participation in the Plan
         as provided in Section 8.

                  (iv) Payroll deductions shall be credited to a purchase
         account established on the books of the Company on behalf of each
         Participant (a "Purchase Account"). At the end of each Purchase Period,
         the amount in each Participant's Purchase Account will be applied to
         the purchase from the Company of the number of shares of Common Stock
         determined by dividing such amount by the Purchase Price (as defined in
         Section 6) for such Purchase Period.

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         (b) The Committee may, in its discretion, establish additional
procedures whereby Eligible Employees may participate in the Plan by means other
than payroll deduction, including, but not limited to, delivery of funds by
Participants in a lump sum or automatic charges to Participants' bank accounts.
Such other methods of participating shall be subject to such rules and
conditions as the Committee may establish. The Committee may at any time amend,
suspend or terminate any participation procedures established pursuant to this
paragraph (b) without prior notice to any Participant or Eligible Employee.

                  6. Purchase Price. The purchase price (the "Purchase Price")
per share of Common Stock hereunder for any Purchase Period shall be 85% of the
lesser of (i) the fair market value of a share of Common Stock on the first day
of such Purchase Period and (ii) the fair market value of a share of Common
Stock on the last day of such Purchase Period, unless, prior to the beginning of
such Purchase Period, the Committee shall determine otherwise (subject to the
limitations contained in clause (iii) of Section 9(c)). If such determination
results in a fraction of one cent, the Purchase Price shall be increased to the
next higher full cent. The fair market value of a share of Common Stock on a
given day shall be the average of the high and low transaction prices of a share
of Common Stock as reported on The Nasdaq Stock Market(SM) on the date as of
which such value is being determined or, if there shall be no reported
transactions on such date, on the next preceding date for which transactions
were reported. In no event, however, shall the Purchase Price be less than the
par value of the Common Stock.

                  Notwithstanding the foregoing, effective upon implementation
of the one-for-ten reverse stock split (which reverse stock split is expected to
be submitted to the stockholders for their approval at the Special Meeting) and
the effectiveness of such reverse stock split, the fair market value of a share
of Common Stock on the first day of the Purchase Period beginning October 1,
2001 shall be adjusted to reflect the one-for-ten reverse stock split by
multiplying the fair market value of a share of Common Stock on such date by
ten.

                  7. Issuance of Shares.

         (a) The Common Stock purchased by each Participant shall be considered
to be issued and outstanding to his or her credit as of the close of business on
the last day of each Purchase Period. The

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total number of shares of Common Stock purchased by all Participants during each
Purchase Period shall be issued, as of the last day in such Purchase Period, to
a nominee or agent for the benefit of the Participants. A Participant will be
issued a certificate for his or her shares upon the request of the Participant
in accordance with procedures, including the payment of any applicable fees by
the Participant, established by the Company.

         (b) No interest shall accrue at any time for any amount credited to a
Purchase Account of a Participant. After the close of each Purchase Period, a
report will be sent to each Participant stating the entries made to his or her
Purchase Account, the number of shares of Common Stock purchased and the
applicable Purchase Price.

                  8. Termination of Participation.

         (a) A Participant may elect at any time to terminate his or her
participation in the Plan, provided such termination is received by the Company
in writing prior to the last business day of the Purchase Period for which such
termination is to be effective. Upon any such termination, the Company shall
promptly deliver to such Participant cash in an amount equal to the balance to
his or her credit in his or her Purchase Account on the date of such
termination. At any time after such termination, the Participant may request the
delivery to such Participant of one or more certificates for the number of whole
shares of Common Stock held for his or her benefit, and the cash equivalent for
any fractional share so held. Such cash equivalent shall be determined by
multiplying the fractional share by the fair market value of a share of Common
Stock on the last day of the Purchase Period immediately preceding such
termination, determined as provided in Section 6.

         (b) If the Participant dies, terminates his or her employment with the
Participating Companies for any reason, or otherwise ceases to be an Eligible
Employee (including, without limitation, as a result of a Participating Company
ceasing to be a Subsidiary Company), his or her participation in the Plan shall
immediately terminate. Upon such terminating event, the Company shall promptly
deliver to such Participant or his or her legal representative, as the case may
be, cash in an amount equal to the balance to his or her credit in his or her
Purchase Account on the date of such termination.

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                  9. Termination or Amendment of the Plan.

         (a) The Company, by action of the Board or the Committee, may terminate
the Plan at any time. Notice of termination shall be given to all Participants,
but any failure to give such notice shall not impair the effectiveness of the
termination.

         (b) Without any action being required, the Plan will terminate in any
event when the maximum number of shares of Common Stock to be sold under the
Plan (as provided in Section 13) has been purchased. Such termination shall not
impair any rights under the Plan that shall have vested on or prior to the date
of such termination. If at any time the number of shares remaining available for
purchase under the Plan are not sufficient to satisfy all then-outstanding
purchase rights, the Board may determine an equitable basis of apportioning
available shares among all Participants consistent with Section 423 of the Code.

         (c) The Board or the Committee may amend the Plan from time to time in
any respect for any reason; provided, however, no such amendment shall (i)
materially adversely affect any purchase rights outstanding under the Plan
during the Purchase Period in which such amendment is to be effected, (ii)
unless approved by the stockholders of the Company, increase the maximum number
of shares of Common Stock which may be purchased under the Plan, (iii) decrease
the Purchase Price of the shares of Common Stock for any Purchase Period below
the lesser of 85% of the fair market value thereof on the first day of such
Purchase Period and 85% of the fair market value thereof on the last day of such
Purchase Period, (iv) unless approved by the stockholders of the Company, change
the class of employees eligible to participate in the Plan or (v) adversely
affect the qualification of the Plan under section 423 of the Code.

         (d) Upon termination of the Plan, the respective cash balance, if any,
to the credit of each Participant in his or her Purchase Account, one or more
certificates for the number of whole shares of Common Stock held for his or her
benefit, and the cash equivalent of any fractional share so held, determined as
provided in Section 8(a), shall be promptly distributed to such Participant.

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                  10. Non-Transferability. Rights acquired under the Plan are
not transferable and may be exercised only by a Participant.

                  11. Stockholder's Rights. No Eligible Employee or Participant
shall by reason of the Plan have any rights of a stockholder of the Company
until and to the extent he or she shall acquire shares of Common Stock as herein
provided.

                  12. Administration of the Plan.

         (a) The Plan shall be administered by: (i) the Compensation Committee
of the Board or (ii) any one or more other committees consisting of two or more
members of the Board, which in any case have been designated by the Board to
administer the Plan (the "Committee"). Notwithstanding the foregoing, in the
absence of any such delegation to the Compensation or other committee,
references herein to the Committee will refer to the Board. In addition to the
power to amend or terminate the Plan pursuant to Section 9, the Committee shall
have full power and authority to: (A) interpret and administer the Plan and any
instrument or agreement entered into under the Plan; (B) establish such rules
and regulations and appoint such agents as it shall deem appropriate for the
proper administration of the Plan; and (C) make any other determination and take
any other action that the Committee deems necessary or desirable for the
administration of the Plan. Decisions of the Committee shall be final,
conclusive and binding upon all persons, including the Company, any Participant
and any other employee of the Company. A majority of the members of the
Committee may determine its actions and fix the time and place of its meetings.

         (b) The Plan shall be administered so as to ensure all Participants
have the same rights and privileges as required by section 423(b)(5) of the
Code.

                  13. Maximum Number of Shares. Subject to the following
sentence, the maximum number of shares of Common Stock that may be purchased
under the Plan is 1,250,000, subject, however, to adjustment pursuant to Section
14. Effective upon the implementation of the one-for-ten reverse stock split
(which reverse stock split is expected to be submitted to the stockholders for
their approval at the Special Meeting), the maximum number of shares of Common
Stock that may be purchased under the

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Plan is 125,000, subject to adjustment pursuant to Section 14. Shares of Common
Stock sold hereunder may be treasury shares, authorized and unissued shares, or
a combination thereof.

                  14. Adjustment. In the event of any stock split, stock
dividend, recapitalization, reorganization, merger, consolidation, combination,
exchange of shares, liquidation, spin-off or other similar change in
capitalization or event, or any distribution to holders of Common Stock other
than a regular cash dividend, the maximum number and class of securities which
may purchased under this Plan, the maximum number and class of securities that
may be purchased by any Eligible Employee during any Purchase Period, and the
purchase price per security shall be appropriately adjusted by the Committee.
The decision of the Committee regarding any such adjustment shall be final,
binding and conclusive. If any such adjustment would result in a fractional
security being available under this Plan, such fractional security shall be
disregarded.

                  15. Miscellaneous.

         (a) Except as otherwise expressly provided herein, any Authorization,
election, notice or document under the Plan from an Eligible Employee or
Participant shall be delivered to the Company, the Participating Company that is
the employer of such Eligible Employee, or their designated agents and, subject
to any limitations specified in the Plan, shall be effective when so delivered.

         (b) The term "business day" shall mean any day other than Saturday,
Sunday or a legal holiday recognized by the Participating Company by which the
Participant is employed.

         (c) The term "Exchange Act" shall mean the Securities Exchange Act of
1934, as amended.

         (d) The term "Parent Corporation" shall mean any corporation which is,
or becomes, after the Effective Date, a parent corporation of the Company
(within the meaning of Section 424(e) of the Code).

         (e) The term "Subsidiary Companies" shall mean all corporations which
are, or become, after the Effective Date, subsidiary corporations (within the
meaning of Section 424(f) of the Code) and of which the Company is the common
parent.

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         (f) The Plan, and the Company's obligation to sell and deliver Common
Stock hereunder, shall be subject to all applicable federal, state and foreign
laws, rules and regulations, and to such approval by any regulatory or
governmental agency as may, in the opinion of counsel for the Company, be
required.

                  16. Change in Control.

         (a) In the event of any Change in Control of the Company, as
hereinafter defined, the Purchase Period then in progress will terminate
immediately prior to the consummation of the Change in Control, all
Participants' Purchase Accounts shall be applied to purchase shares of Common
Stock pursuant to Section 6, and the Plan shall terminate immediately
thereafter.

         (b) "Change in Control" for the purposes hereof means the occurrence of
any of the following events after the Effective Date:

                  (i) the acquisition by any individual, entity or group (a
         "Person"), including any "person" within the meaning of Section
         13(d)(3) or 14(d)(2) of the Exchange Act, of beneficial ownership
         within the meaning of Rule 13d-3 promulgated under the Exchange Act, of
         25% or more of either (A) the then outstanding shares of common stock
         of the Company (the "Outstanding Common Stock") or (B) the combined
         voting power of the then outstanding securities of the Company entitled
         to vote generally in the election of directors (the "Outstanding Voting
         Securities"); excluding, however, the following: (1) any acquisition
         directly from the Company (excluding any acquisition resulting from the
         exercise of an exercise, conversion or exchange privilege, unless the
         security being so exercised, converted or exchanged was acquired
         directly from the Company); (2) any acquisition by the Company; (3) any
         acquisition by an employee benefit plan (or related trust) sponsored or
         maintained by the Company or any Subsidiary Corporation; or (4) any
         acquisition by any corporation pursuant to a transaction which complies
         with clauses (A), (B) and (C) of subsection (iii) of this Section
         16(b); provided further, that for purposes of clause (2) above, if any
         Person (other than the Company or any employee benefit plan (or related
         trust) sponsored or maintained by the Company or any corporation
         controlled by the Company) shall become the beneficial owner of 25% or
         more of the Outstanding Common Stock or 25% or more

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         of the Outstanding Voting Securities by reason of an acquisition by the
         Company, and such Person, after such acquisition by the Company,
         becomes the beneficial owner of any additional shares of the
         Outstanding Common Stock or any additional Outstanding Voting
         Securities and such beneficial ownership is publicly announced, such
         additional beneficial ownership will constitute a Change in Control;

                  (ii) individuals who, as of the Effective Date, constitute the
         Board (the "Incumbent Board") cease for any reason to constitute at
         least a majority of such Board; provided that any individual who
         becomes a director of the Company subsequent to the Effective Date
         whose election, or nomination for election by the Company's
         stockholders, was approved by the vote of at least a majority of the
         directors then comprising the Incumbent Board, will be deemed a member
         of the Incumbent Board; and provided further, that any individual who
         was initially elected as a director of the Company as a result of an
         actual or threatened election contest, as such terms are used in Rule
         14a-11 of Regulation 14A promulgated under the Exchange Act, or any
         other actual or threatened solicitation of proxies or consents by or on
         behalf of any Person other than the Board, will not be deemed a member
         of the Incumbent Board;

                  (iii) the consummation of a reorganization, merger or
         consolidation of the Company or sale or other disposition of all or
         substantially all of the assets of the Company (a "Corporate
         Transaction"); excluding, however, a Corporate Transaction pursuant to
         which (A) all or substantially all of the individuals or entities who
         are the beneficial owners, respectively, of the Outstanding Common
         Stock and the Outstanding Voting Securities immediately prior to such
         Corporate Transaction will beneficially own, directly or indirectly,
         more than 60% of, respectively, the outstanding shares of common stock,
         and the combined voting power of the outstanding securities of such
         corporation entitled to vote generally in the election of directors, as
         the case may be, of the corporation resulting from such Corporate
         Transaction (including, without limitation, a corporation which, as a
         result of such transaction, owns the Company or all or substantially
         all of the Company's assets either directly or indirectly) in
         substantially the same

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         proportions relative to each other as their ownership, immediately
         prior to such Corporate Transaction, of the Outstanding Common Stock
         and the Outstanding Voting Securities, as the case may be, (B) no
         Person (other than the Company, any employee benefit plan (or related
         trust) sponsored or maintained by the Company or a Subsidiary
         Corporation, the corporation resulting from such Corporate Transaction,
         and any Person who beneficially owned, immediately prior to such
         Corporate Transaction, directly or indirectly, 25% or more of the
         Outstanding Common Stock or the Outstanding Voting Securities, as the
         case may be) will beneficially own, directly or indirectly, 25% or more
         of, respectively, the outstanding shares of common stock of the
         corporation resulting from such Corporate Transaction or the combined
         voting power of the outstanding securities of such corporation entitled
         to vote generally in the election of directors and (C) individuals who
         were members of the Incumbent Board will constitute at least a majority
         of the members of the board of directors of the corporation resulting
         from such Corporate Transaction; or

                  (iv) the consummation of a plan of complete liquidation or
         dissolution of the Company. Notwithstanding the foregoing, in no event
         will the transactions contemplated by the Share Purchase Agreement
         dated September 24, 2001 between the Company and affiliates of
         Technology Crossover Ventures and Sutter Hill Ventures (the "Private
         Placement"), the distribution to the holders of record of the Company's
         common stock on October 8, 2001 of non-transferable rights to purchase
         shares of the Company's 7% Series B convertible preferred stock (the
         "Rights Offering") or the distribution of any securities of the Company
         in connection therewith (whether through the purchase of such preferred
         stock or the conversion thereof into common stock) be deemed to
         constitute a "Change in Control" for purposes of the Plan.

                                       11<PAGE>

                                                                   EXHIBIT 10.25

                                 PROMISSORY NOTE
U.S. $85,000.00                                                December 28, 2001

         FOR VALUE RECEIVD, the undersigned, KELLY D. CONWAY, of 950 Woodbine
Place, Lake Forest, Illinois 60045 ("Borrower"), hereby unconditionally promises
to pay to the order of eLoyalty Corporation, a Delaware corporation ("Lender"),
having its principal office at 150 Field Drive, Suite 250, Lake Forest, Illinois
60045, in lawful money of the United States of America and in immediately
available funds, the principal sum of EIGHTY FIVE THOUSAND AND NO/100 DOLLARS
($85,000.00), together with interest on the principal and accrued interest
balance from time to time outstanding at the rate of TWO AND FORTY-EIGHT
HUNDREDTHS percent (2.48%) per annum from the date hereof until payment in full
on November 12, 2003 (the "Payment Date") in accordance with this Promissory
Note; provided, however, that if Borrower has been employed by Lender, or any
parent or subsidiary company of Lender, from the date hereof through and
including the Payment Date, then the entire outstanding principal indebtedness
hereunder, plus interest accrued on such amount, shall be discharged and
forgiven by Lender and shall no longer be due and, accordingly, Borrower shall
have no further obligation to Lender hereunder.

         Borrower, however, shall be responsible for income tax on the principal
plus interest, if and when they are recognized as income, which shall be
withheld by Lender from any amounts owed by Lender to Borrower, including
payroll.

         Borrower, reserves the right to prepay this Note, in whole or in part,
at any time without penalty. In the event of such prepayment, the amount so
prepaid will be applied to principal due and interest will be adjusted
accordingly.

         All payments of principal and interest under this Note shall be made by
Borrower to Lender, at Lender's principal place of business as set forth above,
or at such other place as Lender may from time to time designate in writing.

         The occurrence or existence of one or more of the following events
shall constitute an event of default ("Default") under this Note: (i) the
failure of Borrower to pay when due any principal or interest due hereunder; or
(ii) (a) Borrower shall become generally unable to pay his debts as they become
due, or (b) Borrower shall make an assignment for the benefit of creditors, or
(c) Borrower shall call a meeting of creditors for the composition of debts, or
(d) a proceeding under any bankruptcy, reorganization, arrangement of debt,
insolvency, readjustment of debt or receivership law or statute is filed by or
against Borrower, or a custodian, receiver or agent is appointed or authorized
to take charge of any of Borrower's properties, or Borrower takes any action to
authorize any of the foregoing; or (iii) Borrower shall no longer remain, for
any reason, an employee of Lender, or a parent or subsidiary company of Lender,
or (v) there shall be entered against Borrower any judgment or judgments in an
aggregate amount in excess of

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$100,000, unless the amounts of such judgment or judgments are covered by
insurance and liability under such insurance has been admitted by the issuer
thereof.

         In an event of Default, Lender may, by notice to Borrower, declare all
the indebtedness evidenced by this Note to be, and thereupon such indebtedness
shall become, immediately due and payable, without presentment, demand, protest
or further notice of any kind, all of which are hereby expressly waived by
Borrower; provided, however, that if the Default specified in clause (ii) (d) in
the paragraph two paragraphs above occurs, the indebtedness evidenced by this
Note shall automatically become due and payable, without presentment, demand,
protest or any notice of any kind, all of which are hereby expressly waived by
Borrower.

         If payment hereunder becomes due and payable on a day which is not a
"Business Day" (as defined below), the due date thereof shall be extended to the
next succeeding Business Day, and interest shall be payable thereon during such
extension at the rate specified above. "Business Day" shall mean a day on which
banks in Chicago, Illinois are open for the transaction of banking business. In
no case or event whatsoever shall interest charged hereunder, however such
interest may be characterized or computed, exceed the highest rate permissible
under any law which a court of competent jurisdiction shall, in a final
determination, deem applicable hereto. In the event that such a court determines
that Lender has received interest hereunder in excess of the highest rate
applicable hereto, Lender shall (i) apply such excess to any unpaid principal
balance due and payable by Borrower hereunder to Lender; and (ii) if the amount
of such excess exceeds the unpaid principal and other liabilities due and
payable by Borrower hereunder, Lender shall remit such excess to Borrower.

         Any notice hereunder shall be sufficiently given if in writing and
delivered in person or mailed by first class mail addressed as follows:

         IF TO BORROWER:

         Kelly D. Conway
         950 Woodbine Place
         Lake Forest, Illinois 60045

         IF TO LENDER:

         eLoyalty Corporation
         150 Field Drive, Suite 250
         Lake Forest, IL 60045
         Attention: Chief Financial Officer

         Borrower and Lender may each designate additional or different
addresses by notice to the other party as provided herein.

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         Lender shall be under no obligation to marshal any assets in favor of
Borrower in payment of any or all of Borrower's liabilities hereunder. To the
extent that Borrower makes a payment or payments to Lender, and such payment or
payments or any part thereof are subsequently invalidated, declared to be
fraudulent or preferential, set aside or required to be repaid to a trustee,
receiver or any other party under any bankruptcy law, provincial, state or
federal law, common law or equitable cause, then to the extent of such recovery,
the obligation or part hereof originally intended to be satisfied shall be
revived and continued in full force and effect as if such payment had not been
made or such enforcement or setoff had not occurred.

         Any dispute between Lender and Borrower arising out of, connected with,
related to, or incidental to the relationship established between them in
connection with this Note, and whether arising in contract, tort, equity, or
otherwise, shall be resolved in accordance with the internal laws and not the
conflicts of law provisions of the State of Illinois.

         Except as provided in the immediately succeeding paragraph, Lender and
Borrower, each agree that all disputes between them arising out of, connected
with, related to, or incidental to the relationship established between them in
connection with this Note and whether arising in contract, tort, equity, or
otherwise, shall be resolved only by state or federal courts located in Cook
County, Illinois, but Lender and Borrower acknowledge that any appeals from
those courts may have to be heard by a court located outside of Cook County,
Illinois. Borrower waives any and all objections that he may have to the
location of the court considering the dispute.

         Borrower agrees that Lender shall have the right to proceed against
Borrower or his property in a court in any location to enable Lender to enforce
a judgment or other court order entered in favor of Lender. Borrower agrees that
he will not assert any permissive counterclaims in proceeding brought by Lender
to enforce a judgment or other court order in favor of Lender. Borrower waives
any objection that he may have to the location of the court in which Lender has
commenced a proceeding described in this paragraph.

         Borrower waives personal service of any process upon him and consents
that all such service of process be made by registered mail directed to Borrower
at the address stated herein.

         Borrower waives the posting of any bond otherwise required of Lender to
enforce any judgment or other court order entered in favor of Lender, or to
enforce this note by specific performance, temporary restraining order,
preliminary or permanent injunction.

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         Whenever possible, each provision of this Note shall be interpreted in
such manner as to be effective and valid under applicable law, but if any
provision of this Note shall be prohibited by or invalid under applicable law,
such provision shall be ineffective to the extent of such prohibition or
invalidity, without invalidating the remainder of such Provision or the
remaining provisions of this Note. Whenever in this Note reference is made to
Lender or Borrower, such reference shall be deemed to include, as applicable, a
reference to their respective successors and assigns, and the provisions of this
Note shall be binding upon and shall inure to the benefit of said successors and
assigns. Borrower's successors and assigns shall include, without limitation, a
receiver, receiver and manager, trustee or debtor-in-possession of or for
Borrower.

                                       By: /s/ Kelly D. Conway
                                          --------------------
                                               Kelly D. Conway
                                               Borrower

                                       4

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