Document:

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                                                                    Exhibit 10.4

                             RENEWAL PROMISSORY NOTE

$1,900,000.00
                                                            North Miami, Florida

         FOR VALUE RECEIVED, the undersigned, AESP, INC., a Florida corporation,
(the "Maker"), promises to pay to the order of COMMERCEBANK, N.A. and assigns
(collectively "Lender"), the principal sum of the lesser of (i) One Million Nine
Hundred Thousand and 00/100 DOLLARS ($1,900,000) on the terms set forth herein,
or (ii) the amount actually advanced to the Maker and outstanding in accordance
with the terms of the Line of Credit described in that certain loan agreement
(the "Loan Agreement"), dated September 23, 1999 between Maker and the Lender,
as it may be amended, supplemented, modified or restated from time to time, plus
interest on the unpaid principal balance on the terms set forth herein.

         All defined terms used herein shall have the meanings assigned in the
Loan Agreement except to the extent such terms are defined or limited herein.

         This renewal promissory note (this "Note") renews the outstanding
principal amount of that certain renewal promissory note (the "Fifth Renewal
Note") in the original principal amount of $1,900,000, from Borrower to Lender,
dated August 15, 2003, and is not intended to be a novation of the obligations
evidenced by the Fourth Renewal Note.

         Principal and interest shall be payable, as follows:

         From October 17, 2003 through and including November 30, 2003, interest
shall be due on the outstanding principal amount of this Note at a floating rate
equal to the Wall Street Journal Prime Rate (hereinafter defined) plus six
percent (6%) (the "Initial Note Rate"). From December 1, 2003 through and
including January 31, 2004, interest shall be due on the outstanding principal
amount of this Note at a floating rate equal to the Wall Street Journal Prime
Rate (hereinafter defined) plus seven percent (7%) (the "Initial Note Rate")
From February 1, 2004 through and including March 31, 2004, interest shall be
due on the outstanding principal amount of this Note at a floating rate equal to
the Wall Street Journal Prime Rate (hereinafter defined) plus eight percent
(8%). From April 1, 2004 through and including April 20, 2004, interest shall be
due on the outstanding principal amount of this Note at a floating rate equal to
the Wall Street Journal Prime Rate (hereinafter defined) plus nine percent (9%).
All outstanding principal and accrued and unpaid interest and costs and expenses
due lender hereunder and under the Loan documents shall be due and payable on
April 20, 2004 (the "Maturity Date"). After April 20, 2004 or if an Event of
Default shall have occurred, the principal of this Note shall bear interest at a
rate equal to the maximum rate permitted under applicable law (the "Default
Rate"). The interest rates set forth in the preceding sentences of this section
shall hereinafter be collectively referred to as the "Note Rate". The Note Rate
shall be a floating rate and shall initially be set as of the date of this
promissory note and shall be adjusted daily based on changes to the Wall Street
Journal Prime Rate as of such date. All changes in the Note Rate shall be
effective as of the date of change in the Wall Street Journal Prime Rate.
Interest shall be payable on the twentieth (20th) day of each consecutive
calendar month prior to the Maturity Date (hereinafter defined), commencing
November 20, 2003. All remaining unpaid principal and interest due thereon and
all other amounts owing under this Note and the Loan Documents (hereinafter
defined), shall be due and payable in full in no event later than the Maturity

                                  Page 1 of 4

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Date. "Wall Street Journal Prime Rate" shall mean the prime rate as reported in
the money rate column of the "Wall Street Journal" on the date of determination.
Interest shall be computed on the basis of a 360 day year for the actual number
of days in the applicable period.

         Prepayments shall be made and shall be applied as described in the Loan
Agreement. Maker may prepay the principal amount outstanding hereunder without
penalty.

         All installments of principal and/or interest are payable at the
offices of Commercebank, 220 Alhambra Circle, Coral Gables, FL 33134, or at such
other place as Lender hereof may, from time to time, designate in writing, in
lawful money of the United States of America, which shall be in legal tender for
public and private debts at the time of payment.

         Maker may prepay this Note at any time without penalty.

         If default is made in the payment of any part of the principal of or
interest due under the terms of this Note or upon an Event of Default under the
Loan Agreement (and such default is not cured after notice thereof, if required
under the applicable loan document, and the expiration of any applicable grace
period), then this Note shall be in default and the entire principal sum and
accrued interest shall become due and payable at once without notice and demand
at the option of Lender.

         In addition to the above, Lender may collect a late charge not to
exceed an amount equal to five percent (5%) of any installment which is not paid
within twenty (20) days of the due date thereof to cover the extra expense
involved in handling delinquent payments, provided that: (i) collection of said
late charge shall not be deemed a waiver by Lender of any of its other rights
under this Note and the Loan Agreement, the Security Agreement or any other
instrument given to secure this indebtedness, and (ii) such late charge shall
not apply to any payment of principal under Section 2.9 of the Loan Agreement.

         It is agreed that each maker and endorser, jointly and severally, shall
pay all reasonable costs of collection, including reasonable attorneys' fees, on
failure to pay any principal or interest when due on this Note. Such costs and
attorneys' fees shall include, but not be limited to, reasonable attorneys' fees
and paralegal fees incurred by Lender hereof in any and all judicial
proceedings, including appellate proceedings, arising out of enforcement and/or
collateral securing this indebtedness, whether such proceedings arise before or
after entry of final judgment.

         In case any provision (or any part of any provision) contained in this
Note shall for any reason be held to be invalid, illegal or unenforceable in any
respect, such invalidity, illegality or enforceability shall not affect any
other provision (or remaining part of the affected provision) of this Note, but
this Note shall be construed as if such invalid, illegal or unenforceable
provision (or part thereof) had never been contained herein, but only to the
extent it is invalid, illegal or unenforceable.

         Notwithstanding any provision of this Note and/or any instrument
securing payment of this Note to the contrary, it is the intent of the
undersigned Maker and Lender that Lender hereof shall never be entitled to
receive, collect or apply as interest on principal of the indebtedness any
amount in excess of the maximum rate of interest permitted to be charged by
applicable law; and in the event Lender ever receives, collects, or applies as
interest any such excess, such amount which should be excessive interest shall
be deemed a partial prepayment of principal and treated hereunder as such; and,
if the principal of the indebtedness secured

                                  Page 2 of 4
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hereby is paid in full, any remaining excess funds shall forthwith be paid to
Maker. In determining whether or not the interest paid or payable under any
specific contingency exceeds the highest lawful rate, Maker and Lender shall, to
the maximum extent permitted under applicable law (a) characterize any
non-principal payment as an expense, fee or premium rather than as interest (b)
exclude voluntary prepayments and the effects thereof, and (c) amortize,
prorate, allocate and spread, in equal parts, the total amount of interest
throughout the entire contemplated term of the indebtedness so that the interest
rate is uniform throughout the entire term of the indebtedness; provided that if
the indebtedness is paid and performed in full prior to the end of the full
contemplated term thereof, and if the interest received for the actual period of
existence thereof exceeds the maximum lawful rate, Lender shall refund to Maker
the amount of such excess or credit the amount of such excess against the
principal portion of the indebtedness, and in such event, Lender shall not be
subject to any penalties provided by any laws for contracting for, charging, or
receiving interest in excess of the maximum lawful rate. In no contingency or
event whatsoever shall the amount paid or agreed to be paid to Lender for the
use, forbearance or detention of the indebtedness collateralized hereby exceed
the maximum amount permissible under applicable law. If, from any circumstances
whatsoever, fulfillment of any provision hereof or any provision of any
instrument securing the primary obligation at the time performance of such
provision shall be due shall involve transcending the limit of validity
prescribed by applicable law, then, IPSO FACTO, the obligation to be fulfilled
shall be reduced to the limit of such validity. This provision shall control
every other provision of this Note.

         Maker, and each surety, endorser, guarantor and other party liable for
the payment of any sums of money payable on this Note, severally waive the right
of exemption under the Constitution and Laws of Florida, presentment and demand
for payment, protest and notice of protest and nonpayment, notice of dishonor,
notice of demand or intent to demand, notice of maturity and all requirements
necessary to hold each of them liable as maker, surety, endorser, guarantor and
any other party liable for the payment of sums of money hereunder, and agree
that their liability on this Note shall not be affected by any renewal or
extension in the time of payment thereof or by any release or change in any
security for the payment of this Note, regardless of the number of such
renewals, extensions, releases or changes.

         Maker and Lender mutually understand, covenant and agree that the
provisions of this Note (i) shall be binding upon Maker and its successors and
assigns (except as herein otherwise set forth) and shall inure to the benefit of
Lender and its assigns including any subsequent holder of this Note and (ii)
shall be construed, governed and enforced in all respects by the laws of the
State of Florida, including the Usury Laws of said state.

         Time shall be of the essence of each and every covenant and promise
contained in this Note and every other instrument securing the repayment of this
Note.

         This Note is secured by that certain collateral described in that
certain Security Agreement (the "Security Agreement") dated September 23, 1999
between Maker and Lender, as amended, and is to be construed according to the
Laws of Florida. Any default occurring under the Loan Agreement (which default
is not cured after notice thereof, if required under the applicable Loan
Document, and the expiration of any applicable grace period) shall constitute a
default under this Note, and Lender, at its option, may declare this Note due
and payable in full and may exercise its remedies under the Security Agreement.

         Maker hereby submits to the jurisdiction of the courts of the State of
Florida in the event any litigation arising from or related to this Note is
commenced. Maker agrees that the Lender may institute any cause

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of action against Maker involving this Note in the courts of Miami-Dade County,
Florida, and hereby waives any venue privilege or right to be sued in any other
forum.

         THE MAKER HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE ANY
RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION, PROCEEDINGS,
OR COUNTERCLAIMS ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS OR ANY OF THE
LOAN DOCUMENTS. FURTHER, THE MAKER HEREBY CERTIFIES THAT NO REPRESENTATIVES OR
AGENTS OF THE LENDER NOR THE MAKER'S OR THE LENDER'S COUNSEL HAS REPRESENTED,
EXPRESSED OR OTHERWISE, THAT THE LENDER WOULD NOT IN THE EVENT OF SUCH
LITIGATION SEEK TO ENFORCE THIS WAIVER OF RIGHT TO JURY TRIAL PROVISION. MAKER
ACKNOWLEDGES THAT THE LENDER HAS BEEN INDUCED TO ENTER INTO THIS TRANSACTION BY,
INTER ALIA, THE PROVISIONS OF THIS SECTION. THE MAKERS AGREE NOT TO SEEK TO
CONSOLIDATE ANY SUCH ACTION IN WHICH A JURY TRIAL HAS BEEN WAIVED WITH ANY OTHER
ACTION BY WHICH A JURY TRIAL CANNOT BE WAIVED.

         IN WITNESS WHEREOF, the undersigned have executed and delivered this
Note the day and year first hereinabove provided.

                               AESP, INC.

                               By: /s/ Slav Stein
                                  ---------------------------------------------
                               Name: Slav Stein
                               Title: President

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                                                                    Exhibit 10.5

                             INTERCREDITOR AGREEMENT

         THIS INTERCREDITOR AGREEMENT (this "AGREEMENT") made and entered into
as of October 31, 2003, by and between KBK FINANCIAL, INC. (hereinafter "KBK"),
and COMMERCEBANK, N.A., (hereinafter "CREDITOR").

         WHEREAS, Creditor and AESP, Inc., a Florida corporation ("AESP") are
parties to that certain Loan Agreement (the "COMMERCEBANK LOAN AGREEMENT") dated
September 23, 1999, as amended; and AESP's obligations to Creditor are secured
by AESP's grant of a security interest in all of AESP's assets as described in
that certain Security Agreement dated September 23, 1999, as amended (the
"COMMERCEBANK SECURITY AGREEMENT"); and

         WHEREAS, KBK and AESP have entered into an account transfer and
purchase agreement (the "PURCHASE AGREEMENT") under the terms of which KBK, from
time to time, may purchase accounts receivable of AESP which are evidenced by
invoices dated on or after July 1, 2003 (each account now or hereafter purchased
under the Purchase Agreement to be known herein as the ("PURCHASED ACCOUNTS");
and

         WHEREAS, to secure all present and future indebtedness obligations and
liabilities of AESP to KBK, including, without limitation, any such
indebtedness, obligations arising under the Purchase Agreement (collectively,
the "KBK OBLIGATIONS"), AESP has granted to KBK a security interest in all
present and future personal property of AESP; PROVIDED, HOWEVER, the KBK
Obligations are primarily secured by the following: (a) all of AESP's accounts
(including the Purchased Accounts) other than (i) all accounts which are
evidenced by invoices dated before July 1, 2003, (ii) all present and future
accounts owing by foreign account debtors which are not purchased by KBK under
the Purchase Agreement, and (iii) all present and future accounts owing by
entities affiliated with Creditor (the accounts described in clauses (i), (ii)
and (iii) shall be known collectively herein as the "KBK SUBORDINATED
ACCOUNTS"); (b) all returned goods with respect to AESP's present and future
accounts (other than the KBK Subordinated Accounts); (c) all of AESP's present
and future general intangibles, documents, instruments and chattel paper; and;
(d) all proceeds of inventory sold by AESP which constitute accounts (other than
the KBK Subordinated Accounts), chattel paper or general intangibles (all of
which will hereafter collectively be referred to herein as the "KBK PRIMARY
COLLATERAL"); and

         WHEREAS, the parties hereto desires to establish the relative
priorities and manner of enforcing of their respective security interests in,
and rights with respect to, the property of AESP; and

         NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:

1. RELEASE OF CREDITOR'S SECURITY INTERESTS. Creditor hereby waives, releases
and discharges any security interest and all other claims or interest that
Creditor may have in all Purchased Accounts, regardless of (a) when KBK's
security interest in the Purchased Accounts became perfected, (b) when the
Purchased Accounts were purchased, (c) the value of the Purchased Accounts, (d)
the consideration given or promised for the Purchased Accounts, or (e) the
amount Creditor is owed by AESP. Creditor also waives any right it might have,
by law or otherwise, to receive notice, or any obligation on the part of KBK to
give notice, of any kind, at any time, of the purchase by KBK of any or all of
the Purchased Accounts.

2. SUBORDINATION OF CREDITOR'S SECURITY INTEREST IN KBK PRIMARY COLLATERAL.
Without limiting or altering the validity or effectiveness of the provisions in
SECTION 1 hereof pertaining to the release and waiver of security interests in

<PAGE>

Purchased Accounts, Creditor hereby subordinates its security interest in all
KBK Primary Collateral to the security interest of KBK in the KBK Primary
Collateral and Creditor agrees that its security interest, whenever granted
and/or perfected in the KBK Primary Collateral, will be inferior, junior and
secondary to the security interests held by KBK in the KBK Primary Collateral.

3. SUBORDINATION OF KBK'S SECURITY INTEREST IN CREDITOR PRIMARY COLLATERAL. KBK
hereby subordinates its security interest in all Creditor Primary Collateral (as
defined below) to the security interest of Creditor in the Creditor Primary
Collateral and KBK agrees that its security interest, whenever granted and/or
perfected in the Creditor Primary Collateral, will be inferior, junior and
secondary to the security interests held by Creditor in the Creditor Primary
Collateral. As used herein, the term "CREDITOR PRIMARY COLLATERAL" shall mean
(a) all accounts of AESP which are evidenced by invoices dated before July 1,
2003, (b) all accounts owing by foreign account debtors which are not purchased
by KBK under the Purchase Agreement, (c) all accounts owing by entities
affiliated with Creditor, and (d) all of AESP's present and future equipment and
inventory; PROVIDED, HOWEVER, inventory proceeds and returned goods of accounts
(other than KBK Subordinated Accounts) shall also constitute KBK Primary
Collateral.

4. DELIVERY OF ACCOUNT PAYMENTS. Creditor agrees that Creditor shall remit to
KBK at the following address all proceeds of accounts constituting KBK Primary
Collateral (including, without limitation, all KBK Purchased Accounts) which may
now or hereafter be delivered to or otherwise received by Creditor from time to
time within 3 business days after receipt thereof by Creditor:

                           AESP, Inc.
                           c/o KBK Financial, Inc.
                           P.O. Box 550741
                           Tampa, Florida 33655-0741

KBK agrees that KBK shall remit to Creditor at the following address all
proceeds of accounts constituting Creditor Primary Collateral which may now or
hereafter be delivered to or otherwise received by KBK from time to time within
3 business days after receipt thereof by KBK:

                           AESP, Inc.
                           c/o CommerceBank, N.A.
                           1000 S. Powerline Road
                           Pompano Beach, Florida 33069

5. TIME OF PERFECTION. The priorities specified herein are applicable
irrespective of the time or order of attachment or perfection of any security
interests, or the time or order of filing of any financing statements, or the
giving or failure to give notice of the acquisition or the expected acquisition
of any purchase money or other security interest. Except as herein otherwise
specifically provided, priority of the respective security interests of Creditor
and KBK shall be determined in accordance with the Uniform Commercial Code.

6. EFFECT OF BANKRUPTCY. This Agreement shall remain in full force and effect
notwithstanding the filing or a petition for relief by or against AESP under the

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Bankruptcy Code and shall apply with full force and effect with respect to all
collateral acquired by AESP, or obligations incurred by AESP to Creditor or KBK,
subsequent to the date of said bankruptcy petition.

7. NO DUTY TO LEND. Nothing contained herein, or in any prior agreement or
understanding shall be deemed to create any duty on the part of Creditor or KBK
to extend or continue to extend financial accommodations to AESP.

8. FINANCIAL CONDITION OF CLIENT. Each party hereto has adequate means to obtain
from AESP on a continuing basis information concerning the financial condition
of AESP and each party hereto is not relying on the other party to provide such
information now or in the future. Each party hereto acknowledges and agrees that
each party hereto is not obligated to keep the other party informed of AESP's
financial condition.

9. RELIANCE. This Agreement is an irrevocable and continuing agreement and KBK
and Creditor may continue to rely upon same in providing financing and other
financial accommodations to or for the benefit of AESP. In connection therewith,
each party may without notice to or consent from the other party hereto and
without impairing the rights and obligations of the parties under this Agreement
(a) release any person or entity now or hereafter liable upon any of the
indebtedness and obligations owing to such party by AESP, (b) renew, extend or
modify the terms of any document or instrument evidencing, governing, securing
or guaranteeing any of the indebtedness and obligations owing to such party by
AESP, and/or (c) provide additional financing to AESP after the date hereof.

10. ENFORCEMENT OF REMEDIES AND NOTICE.

(a) Until termination of this Agreement, Creditor agrees not to (i) take any
action to foreclose, repossess, marshall, control or exercise any remedies with
respect to any property included within the KBK Primary Collateral, (ii) not to
join in any petition for bankruptcy or assignment for the benefit of creditors
agreement affecting AESP or any of its assets, or seek to appoint a receiver for
all or any portion of AESP's assets, or (iii) make any contact or
communications, directly or indirectly, (including without limitation
notification or confirmation) with any account debtor or obligor with respect to
any accounts, chattel paper, instruments or general intangibles of AESP other
than solely with respect to accounts not constituting KBK Primary Collateral.

(b) Until termination of this Agreement, KBK agrees not to (i) take any action
to foreclose, repossess, marshall, control or exercise any remedies with respect
to any property included within the Creditor Primary Collateral, or (ii) not to
join in any petition for bankruptcy or assignment for the benefit of creditors
agreement affecting AESP or any of its assets, or seek to appoint a receiver for
all or any portion of AESP's assets, or (iii) make any contact or
communications, directly or indirectly, (including without limitation
notification or confirmation) with any account debtor or obligor with respect to
any accounts of AESP other than solely with respect to accounts constituting KBK
Primary Collateral.

(c) Creditor agrees to deliver to KBK, to be recorded, UCC amendments with
respect to any UCC financing statements on file between Creditor and Client in
order to reference that Creditor's security interest in the subject collateral
is subject to the terms and provisions of this Agreement.

(d) KBK agrees to provide Creditor notice (either written or oral) on or before
the day KBK commences exercising its remedies under the Purchase Agreement
against the KBK Primary Collateral. Creditor agrees to provide KBK notice
(either written or oral) on or before the day Creditor commences exercising its

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remedies under the Commercebank Loan Agreement against any Creditor Primary
Collateral. Except as required by the terms of this Agreement, each party hereto
waives its right to receive notification from the other party before the
disposition of collateral under the Uniform Commercial Code.

11. PERFECTION OF SECURITY INTERESTS. The priorities set forth in this Agreement
between each parties collateral shall govern with respect to the parties
notwithstanding if the security interest to which another security interest is
subordinate is voidable for any reason. Each party covenants and agrees not to
take any action to seek to seek to rescind, modify, or circumvent the provisions
of this Agreement in the absence of fraud by the other party directly related to
the transactions described herein.

12. NOTICES. Except as set forth in PARAGRAPH 10 herein, all notices, requests
and other written communications hereunder must be in writing and shall be
deemed to have been properly given (i) upon personal delivery, (ii) on the third
Business Day following the day sent, if sent by registered or certified mail,
provided such is received by the intended party, but if such is not received
because of such party's refusal to accept such delivery, then such shall be
deemed to be received on the date of first refusal, (iii) on the next Business
Day following the day sent, if sent by overnight express courier, provided such
is received by the intended party, but if such is not received because of such
party refusal to accept such delivery, then such shall be deemed to be received
on the date of first refusal, or (iv) on the day sent or if such day is not a
Business Day on the next Business Day after the day sent, if sent by telecopy
providing the receiving party has acknowledged receipt by return telecopy, in
each case, at the following address and/or telecopy number or at such other
address and/or telecopy number as either party may designate for such purpose in
a written notice given to the other party:

                           If to KBK:

                                            KBK Financial, Inc.
                                            801 Cherry Street
                                            Suite 3400
                                            Fort Worth, Texas, 76102
                                            Attention:  Legal Department
                                            Telephone:  (817) 258-6000
                                            Telecopy No.:  (817) 258-6107

                           If to Creditor:

                                            CommerceBank, N.A.
                                            1000 S. Powerline Road
                                            Pompano Beach, Florida 33069
                                            Attention:  Alan Hills
                                            Telephone:  (954) 971-6371
                                            Telecopy No.:  (954) 975-6442

13. RESERVATION OF RIGHTS. No third-party beneficiary rights are or are intended
to be created hereunder, and all understandings, agreements, representations,
and warranties contained herein are solely for the benefit of the parties hereto
and for the benefit of no other parties (including but not limited to AESP). In

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connection therewith, AESP shall not be entitled for any purpose or under any
circumstances to rely upon the failure of KBK or Creditor to comply with the
terms hereof and nothing herein contained shall be deemed to authorize AESP to
take any action not permitted under any agreement between AESP and KBK or
Creditor. Nothing herein is intended to affect or limit in any way the interest
of Creditor or KBK in any or all of the assets of AESP insofar as the rights of
AESP or third parties are involved. The parties hereto specifically reserve all
of their respective rights as against AESP and any third parties.

14. AMENDMENTS AND WAIVERS. No waiver, amendment or other variation of the
terms, conditions, or provisions of this Agreement shall be valid unless in
writing and then only to the extent specifically set forth in such writing.

15. GOVERNING LAW; JURY WAIVER. THIS AGREEMENT SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS. THE PARTIES HERETO
WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING OF ANY KIND
ARISING OUT OF OR RELATING TO THIS AGREEMENT.

16. COUNTERPARTS. This Agreement may be executed in any number of counterparts,
each of which shall be deemed to be an original, but all such separate
counterparts shall together constitute but one and the same agreement.

17. SUCCESSORS AND ASSIGNS. Unless otherwise herein provided, this Agreement
shall be binding upon and inure to the benefit of all successors and assigns,
including, without limitation, such transferee of any of the obligations of AESP
to KBK or to Creditor under any agreement or by law. Any transferee of the
obligations or indebtedness owed by Client to Creditor or any part thereof,
shall take such obligations or indebtedness or any part thereof subject to the
provisions of this Agreement.

18. ENTIRE AGREEMENT. This Agreement constitutes the complete and integrated
agreement of both KBK and Creditor with respect to the subject matter hereof,
supersedes all prior or contemporaneous oral agreements, discussions or
negotiations, and may not be orally modified or supplemented by parol or
extrinsic evidence.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

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<PAGE>

                  IN WITNESS WHEREOF, the parties hereto by their authorized
agents or officers have caused this Agreement to be executed as of the day and
year first above written.

                                   KBK:

                                   KBK Financial, Inc.

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

                                   Creditor:

                                   Commercebank, N.A.

                                   By: /s/ Alan L. Hills
                                       ----------------------------------------
                                   Name: Alan L. Hills
                                   Title: Vice president

ACKNOWLEDGMENT BY AESP

         The undersigned, hereby (i) accepts and consents to this Agreement,
(ii) agrees to be bound by all of the provisions thereof, (iii) agrees to
recognize all of the priorities and other rights granted thereby, (iv)
acknowledges and agrees that such agreement may be amended, altered, modified by
KBK and Creditor without notice to or the consent of AESP, and (v) instructs and
authorizes the Creditor and KBK to remit proceeds of accounts which may be
delivered or otherwise received by Creditor and KBK from time to time pursuant
to the terms of Section 3 of the foregoing Agreement.

AESP, INC.

By:  /s/ Slav Stein
     -----------------
Name: Slav Stein
     -----------------
Title: President
     -----------------
Date: 10/31/03
     -----------------

                                       6

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