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Exhibit 10.4    
    

        [CONFORMED
COPY] 

I,
Juergen von Schwerin, certify that: 

	1.
	I
have reviewed this annual report on Form 20-F of SBS Broadcasting S.A.

	2.
	Based
on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of
the circumstances under which such statements were made, not misleading with respect to the period covered by this annual report.

	3.
	Based
on my knowledge, the financial statements, and other financial information included in this annual report, fairly present in all material respects the financial condition,
results of operations and cash flows of the registrant as of, and for, the periods presented in this annual report.

	4.
	The
registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act
Rules 13a-14 and 15d-14) for the registrant and have:

	a)
	designed
such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others
within those entities, particularly during the period in which this annual report is being prepared;

	b)
	evaluated
the effectiveness of the registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this annual report ("the Evaluation
Date"); and

	c)
	presented
in this annual report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date.

	5.
	The
registrant's other certifying officer and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of registrant's board of
directors (or persons performing the equivalent function):

	a)
	all
significant deficiencies in the design or operation of internal controls which could adversely affect the registrant's ability to record, process, summarize and report financial
data and have identified for the registrant's auditors any material weaknesses in internal controls; and

	b)
	any
fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal controls.

	6.
	The
registrant's other certifying officer and I have indicated in this annual report whether or not there were significant changes in internal controls or in other factors that could
significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective action with regard to significant deficiencies and material weaknesses. 

        A
signed original of this written statement required by Section 906 has been provided to SBS Broadcasting S.A. and will be retained by SBS Broadcasting S.A. and furnished to the
Securities and Exchange Commission or its staff upon request. 

	

May 15, 2003	
 	

By:	

/s/  JUERGEN VON SCHWERIN      
 Juergen von Schwerin
 Chief Financial Officer

        The
foregoing certification is being furnished solely pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350,
chapter 63 of title 18, United States Code) and is not being filed as part of the Form 20-F or as a separate disclosure document. 

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Exhibit 10.4Exhibit 10.1

PLANGRAPHICS, INC.                 9550276302                           00004
Address 112 E MAIN ST            Customer Number                     Note Number
FRANKFORT, KY 40601-2314

                                      BB&T
                           NOTE MODIFICATION AGREEMENT

$750,000                  02/15/2002     $750,000              4/10/2003
--------                  ----------     --------              ---------
Original Amount of Note   Original Date  Modification Amount   Modification Date

This Note Modification Agreement (hereinafter Agreement) is made and entered
into this 10th day of April 2003 and between

PLANGRAPHICS, INC.
--------------------------------------------------------------------------------

maker(s) co-maker(s), endorser(s), or other obligor(s) on the Promissory Note
(as defined below), hereinafter also referred to jointly and severally as
Borrower(s); Branch Banking and Trust Company, a North Carolina banking
corporation, hereinafter referred to as Bank; and _____________

owners other than Borrower(s) (if any) of any property pledged to secure
performance of Borrower(s)'s Obligations to Bank, hereinafter referred to
jointly and severally as Debtor(s)/Grantor(s). Witnesseth: Whereas, Borrower(s)
has previously executed a Promissory Note payable to Bank, which Promissory Note
includes the original Promissory Note and all renewals, extensions and
modifications thereof, collectively "Promissory Note", said Promissory Note
being more particularly identified by description of the original note above;
and Borrower(s) and Bank agree that said Promissory Note be modified only to the
limited extent as is hereinafter set forth; that all other terms, conditions,
and covenants of said Promissory Note remain in full force and effect, and that
all other obligations and covenants of Borrower(s), except as herein modified,
shall remain in full force and effect, and binding between Borrower(s) and Bank;
and Whereas Debtor(s)/Grantor(s), if different from Borrower(s), has agreed to
the terms of this modification; NOW THEREFORE, in mutual consideration of the
premises, the sum of Ten Dollars ($10) and other good and valuable
consideration, each to the other parties paid , the parties hereto agree that
said Promissory Note is amended as hereinafter described:

[ ] Borrower shall pay a prepayment penalty as set forth in the Prepayment
Penalty Addendum attached hereto.

INTEREST RATE. PRINCIPAL AND INTEREST PAYMENT TERM MODIFICATIONS (To the extent
no change is made, existing terms continue. Sections not completed are deleted.)
?
Interest shall accrue from the date hereof on the unpaid principal balance
outstanding from time to time at the:
[ ]  Fixed Rate of              % per annum.
[X]  Variable rate of the Bank's Prime Rate plus 2.000 % per annum to be
adjusted [ ]daily [ ] monthly beginning on the [ ] 1st [ ] 15th day of
__________________ [ ] quarterly beginning on the [ ] 1st [ ] 15th day
of___________________ as the Bank's Prime Rate changes.

[ ] As of the Modification Date. any fixed, floating. or average maximum rate
and fixed minimum rate in effect by virtue of the Promissory Note(s) are hereby
deleted. If checked here [ ] the interest rate will not exceed a(n) [ ] fixed
[ ] average maximum rate of ______ % or a
[ ] floating maximum rate of the greater of________% or the Bank's Prime Rate;
and the interest rate will not decrease below a fixed minimum rate of ______ %.
If an average maximum rate is specified, a determination of any required
reimbursement of interest by Bank will be made: [ ] when the Note is repaid in
full by Borrower [ ] annually beginning on ___________________ .

[ ] _____________________________________________________________________

     Principal and interest are payable as follows:

[X] Principal (plus any accrued interest not otherwise scheduled herein)    }
[ ] Principal plus accrued interest                                         }
is due in full at maturity on 06/15/2003
[ ] Payable in consecutive __________ installments of [  ] Principal        }
[ ] Principal and interest} commencing on ______________ and continuing on the
same day of each calendar period thereafter, in __________ equal payments of
$______, with one final payment of all remaining principal and accrued interest
due on _________________ .
[ ] ChoiceLine Payment Option: 2% of outstanding balance is payable monthly
commencing on ______________________ and continuing on the same day of each
month thereafter, with one final payment of all remaining principal and accrued
on ______________________________.
[X] Accrued interest is payable Monthly commencing on May 15, 2003 and
continuing on the same day of each calendar period thereafter, with one final
payment of all remaining interest due on June 15, 2003.
[ ] Bank reserves the right in its sole discretion to adjust the fixed payment
due hereunder ___________ on _________ and continuing the same day of each
calendar period thereafter, in order to maintain an amortization period of no
more than ___ months from the date of this Note. Borrower understands the
payment may increase if interest rates increase.

[ ] Prior to an event of default. Borrower may borrow, repay, and reborrow
pursuant to the terms of a Loan Agreement dated ______ between Borrower and
Bank.

[ ] Note Borrower(s) hereby authorizes Bank to automatically debit from its
demand deposit or savings account(s) with Bank, any payment(s) due under this
Note on date(s) due.

The following scheduled payment(s) is (are) deferred: [ ] $________________
principal } [ ]$________________ interest } payments due on
_________________________________________ [ ] $________________ principal and
interest} is (are) hereby deferred. Payments will resume on _________________
according to the schedule contained herein or to the existing schedule (if no
other changes are made herein).

Page 1 of 4

The Borrower(s) promises to pay Bank, or order, a late fee in the amount of five
percent (5%) of any installment past due for ten (10) or more days. Where any
installment payment is past due for ten (10) or more days, subsequent payments
shall first be applied to the past due balance. In addition, the undersigned
shall pay to Bank a returned payment fee if the undersigned or any other obligor
hereon makes any payment at any time by check or other instrument, or by any
electronic means, which is returned to Bank because of nonpayment due to
nonsufficient funds. COLLATERAL: ft The Promissory Note, as modified, and the
performance of the terms of any agreement or instrument relating to, evidencing,
or securing the Promissory Note, as modified, shall be additionally secured by
collateral hereinafter described, a new security instrument shall be executed by
Borrower(s}, and/or Debtor(s(/Grantor(s), and all other steps necessary to
perfect or record the Bank's lien with priority acceptable to Bank shall be
taken. Date: Type of Agreement:__________________________________

Date: Type of Agreement:

Date: Type of Agreement:

Date: Type of Agreement:

Date: Type of Agreement:
From:

[ ] _______________________________________________________________________

[ ] The collateral hereinafter described shall be and hereby is deleted a>>
security interest for payment of the aforesaid Promissory Note:

OTHER:.________________________________________________________________________

If the Promissory Note being modified by this Agreement is signed by more than
one person or entity, the modified Promissory Note shall be the joint and
several obligation of all signers and the property and liability of each and all
of them. It is expressly understood and agreed that this Agreement is a
modification only and not a novation. The original obligation of the Borrower(s)
as evidenced by the Promissory Note above described is not extinguished hereby.
It is also understood and agreed that except for the modification(s) contained
herein said Promissory Note, and any other Loan Documents or Agreements
evidencing, securing or relating to the Promissory Note and all singular terms
and conditions thereof, shall be and remain in full force and effect. This
Agreement shall not release or affect the liability of any co-makers, obligors,
endorsers or guarantors of said Promissory Note. Borrower and
Debtor(s)/Grantor(s), if any. jointly and severally consent to the terms of this
Agreement. waive any objection thereto, affirm any and all obligations to Bank
and certify that there are no defenses or offsets against said obligations or
the Bank, including without limitation the Promissory Note. Bank expressly
reserves all rights as to any party with right of recourse on the aforesaid
Promissory Note.

In the event periodic accruals of interest shall exceed any periodic fixed
payment amount described above, the fixed payment amount shall be immediately
increased or supplemental interest payments required on the same periodic basis
as specified above (increased fixed payments or supplemental payments to be
determined in the Bank's sole discretion), in such amounts and at such times as
shall be necessary to pay all accruals of interest for the period and all
accruals of unpaid interest from previous periods. Such adjustments to the fixed
payment amount or Supplemental payments shall remain in effect for so long as
any interest accruals shall exceed the original fixed payment amount and shall
be further adjusted upward or downward to reflect changes in any variable
interest rate based on an index such as the Bank's Prime Rate; provided that
unless elected otherwise above, the fixed payment amount shall not be reduced
below the original fixed payment amount. However, Bank shall have the right, in
its sole discretion, to lower the fixed payment amount below the original
payment amount. Notwithstanding any other provision contained in this agreement,
in no event shall the provisions of this paragraph be applicable to any
Promissory Note which requires disclosures pursuant to the Consumer Protection
Act (Truth-in-Lending Act), 15 USC ss. 1601, et seq., as implemented by
Regulation Z.

     Borrower agrees that the only interest charge is the interest actually
stated in this Note, and that any loan or origination fee shall be deemed
charges rather than interest, which charges are fully earned and non-refundable.
It is further agreed that any late charges are not a charge for the use of money
but are imposed to compensate Bank for some of the administrative services,
costs and losses associated with any delinquency or default under this Note, and
said charges shall be fully earned and non-refundable when accrued. All other
charges imposed by Bank upon Borrower in connection with this Note and the loan
including, without limitation, any commitment fees, loan fees, facility fees.
origination fees, discount points, default and late charges, prepayment fees,
statutory attorneys' fees and reimbursements for costs and expenses paid by Bank
to third parties or for damages incurred by Bank are and shall be deemed to be
charges made to compensate Bank for underwriting and administrative services and
costs, other services, and costs or losses incurred and to be incurred by Bank
in connection with this Note and the loan and shall under no circumstances be
deemed to be charges for the use of money. All such charges shall be fully
earned and non-refundable when due.

The Bank may, at its option, charge any fees for the modification, renewal,
extension, or amendment of any of the terms of the Promissory Note(s) as
permitted by applicable law.

In the words "Prime Rate", "Bank Prime Rate", "BB&T Prime Rate", "Bank's Prime
Rate" or "BB&T's Prime Rate" are used in this Agreement, they shall refer to the
rate announced by the Bank from time to time as its Prime Rate. The Bank makes
loans both above and below the Prime Rate and uses indexes other than the Prime
Rate. Prime Rate is the name given a rate index used by the Bank and does not in
itself constitute a representation of any preferred rate or treatment.

Unless otherwise provided herein, it is expressly understood and agreed by and
between Borrower(s). Debtor(s)/Grantor(s) and Bank that any and all collateral
(including but not limited to real property, personal property, fixtures,
inventory, accounts, instruments, general intangibles, documents, chattel paper,
and equipment) given as security to insure faithful performance by Borrower(s)
and any other third party of any and all Obligations to Bank. however created,
whether now existing or hereafter arising, shall remain as security for the
Promissory Note as modified hereby.

Page 2 of 4

It is understood and agreed that if Bank has released collateral herein, it
shall not be required or obligated to take any further steps to release said
collateral from any lien or security interest unless Bank determines, in its
sole discretion, that it may do so without consequence to its secured position
and relative priority in other collateral; and unless Borrower(s) bears the
reasonable cost of such action. No delay or omission on the part of the Bank in
exercising any right hereunder shall operate as a waiver of such right or of any
other right of the Bank, nor shall any delay, omission or waiver on any one
occasion be deemed a bar to or waiver of the same, or of any other right on any
further occasion. Each of the parties signing this Agreement regardless of the
time, order or place of signing waives presentment, demand, protest, and notices
of every kind, and assents to any one or more extensions or postponements of the
time of payment or any other indulgences, to any substitutions, exchanges or
releases of collateral if at any time there is available to the Bank collateral
for the Promissory Note. as amended, and to the additions or releases of any
other parties or persons primarily or secondarily liable. Whenever possible the
provisions of this Agreement shall be interpreted in such manner as to be
effective and valid under applicable law, but if any provision of this Agreement
prohibited by or invalid under such law, such provisions shall be ineffective to
the extent of any such prohibition or invalidity, without invalidating the
remainder of such provision or the remaining provisions of this Agreement. All
rights and obligations arising hereunder shall be governed by and construed in
accordance with the taws of the same state which governs the interpretation and
enforcement of the Promissory Note.

From and after any event of default under this Agreement, the Promissory Note,
or any related deed of trust, security agreement or loan agreement, interest
shall accrue on the sum of the principal balance and accrued interest then
outstanding at the variable rate equal to the Bank's Prime Rate plus 5% per
annum ("Default Rate"), provided that such rate shall not exceed at any time the
highest rate of interest permitted by the taws of the State of Maryland; and
further that such rate shall apply after judgement. In the event of any default,
the then remaining unpaid principal amount and accrued but unpaid interest then
outstanding shall bear interest at the Default Rate until such principal and
interest have been paid in full. Bank shall not be obligated to accept any
check, money order, or other payment instrument marked "payment in full" on any
disputed amount due hereunder, and Bank expressly reserves the right to reject
all such payment instruments. Borrower agrees that tender of its check or other
payment instrument so marked will not satisfy or discharge its obligation under
this Note, disputed or otherwise, even if such check or payment instrument is
inadvertently processed by Bank unless in fact such payment is in fact
sufficient m pay the amount due hereunder.

                      CREDIT LIFE AND DISABILITY INSURANCE
                      ------------------------------------

Subject to certain underwriting criteria and limitations. INDIVIDUAL BORROWERS
AND ADDITIONAL CO-MAKERS HAVE THE RIGHT TO REQUEST CREDIT LIFE AND DISABILITY
INSURANCE PROTECTION FOR THIS LOAN. One or two Borrowers/Co-makers may be
covered by BB&T Credit Life Insurance and one Borrower/Co-maker may be covered
by BB&T Credit Disability Insurance. However, the purchase of credit life and
credit disability insurance from the Bank is not a condition of obtaining or
maintaining this loan.

     I, the undersigned, desire the credit insurance with the cost and terms
     described below and promise to pay the premium of such insurance coverage.
     I understand that I may cancel this credit insurance at any time.

   [ ] BB&T Type 1: Complete the following: [ ] Fidelity Security Insurance
                                                Company Flex Plan (Complete
                                                separate application)
<TABLE>
<CAPTION>
<S> <C> <C>
 CREDIT LIFE INSURANCE   Effective Date   Term in Mos.   Initial Ins. Amount   Credit Life Premium
 B Single  [ ] Level Joint  [ ] Decreasing _________ _________ $ ________ $________
 CREDIT DISABILITY INSURANCE             Monthly Benefit Amount   Credit Disability
                                                                  Premium Effective Date and Terms in Mos.
</TABLE>

Same as Credit Life Insurance Above
$____________________

Credit Disability Insurance is subject to a 14-day elimination period and a
60-month maximum benefit period. Only the Borrower or Co-Maker who signs on the
first line under "Signature(s) of Borrower" is covered by Credit Disability
Insurance.

Signature(s) of Borrower      Total Credit Life and Disability Insurance Premium

Signature of Primary Borrower

Signature of Secondary Borrower

                         (SIGNATURES ON FOLLOWING PAGE)

                                                                     Page 3 of 4
<PAGE>

                                      BB&T

NOTE MODIFICATION SIGNATURE PAGE

Borrower: PLANGRAPHICS, INC.
Account Number: 9550276302                                    Note Number: 00004
Modification Amount: 750,000                       Modification Date: 04/10/2003

Witness the hand and seal of the undersigned. Each of the undersigned adopts as
his seal the word or symbol for "seal" appearing beside or near his signature
below.

If Borrower is a Corporation:

     Attest: /S/ Gary W. Murphy                     PLANGRAPHICS, INC.
                 Gary W. Murphy                     Name of Corporation

     Title: CFO/Treasurer                           By: /S/ John C. Antenucci

                                                    Title: President

         Circle

         Corporation   (Affix seal or insert name of
                            Corporation in seal
            Seal            to adopt as seal of
                                 Borrower)

If Borrower is a Partnership, Limited Liability Company, or Limited Liability
Partnership:

    WITNESS:                         _________________________________________
                                     NAME OF PARTNERSHIP, LLC, OR LLP

                                     _________________________________________
                                     By:
                                     _____________________________________(SEAL)
                                     GENERAL PARTNER OR MANAGER

                                     _________________________________________
                                     By:
                                     _____________________________________(SEAL)

                                     GENERAL PARTNER  OR MANAGER
If Borrower is an Individual

     WITNESS:

     ________________________  _____________________________ (SEAL)

Additional Borrowers and Debtors/Grantors/Guarantors:

     WITNESS:

     ________________________  ______________________________(SEAL)

                                                                     Page 4 of 4

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