Document:

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                                                                   Exhibit 10.13

                                    TERM NOTE

$6,000,000                                                    New York, New York
                                                          As of February 7, 2000

A.   GENERAL; TERMS OF PAYMENT

     1. COMVERGE TECHNOLOGIES, INC., a Delaware corporation (the"Borrower"),
promises to pay to the order of BANK LEUMI USA (the "Bank"), at its offices at
564 Fifth Avenue, New York, New York 10017, or at such other place as may be
designated by the holder hereof in writing, in immediately available funds, the
principal sum of Six Million ($6,000,000) Dollars on February 1, 2002, or sooner
as provided in the Credit Agreement (as hereinafter defined).

        This note is the Note referred to in that certain Credit Agreement
between the Borrower and the Bank, dated as of even date herewith, as such
agreement may be further amended from time to time (the "Credit Agreement"), and
is subject to prepayment and its maturity is subject to acceleration upon the
terms contained in the Credit Agreement. Capitalized terms used herein shall be
defined as in the Credit Agreement.

        The Borrower will pay interest on the unpaid principal amount of the
Term Loan from time to time outstanding, computed on the basis of a 360-day
year. The charging of interest on the basis of a 360-day year results in the
payment of more interest than would be required if interest were charged on the
actual number of days in the year. Interest shall be at the rate determined in
the Credit Agreement and be payable as is therein provided. In no event shall
interest exceed the maximum legal rate permitted for the Borrower.

        2. Manner of Payment. All payments by the Borrower on account of
principal, interest or fees hereunder shall be made in lawful money of the
United States of America, in immediately available funds. The Borrower
authorizes (but shall not require) the Bank to debit any account maintained by
the Borrower with the Bank, at any date on which a payment is due under this
Note, in an amount equal to any unpaid portion of such payment. If any payment
of principal or interest becomes due on a day on which the Bank is closed (as
required or permitted by law or other-

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wise), such payment shall be made not later than the next succeeding business
day, and such extension shall be included in computing interest in connection
with such payment.

B.      DEFAULT

        Upon the occurrence of an Event of Default, as defined in the Credit
Agreement, the Bank may declare the entire unpaid principal amount of this Note
and all interest and fees accrued and unpaid hereon to be forthwith due and
payable, without presentment, demand, protest or notice of any kind, all of
which are hereby expressly waived by the Borrower.

C.      MISCELLANEOUS

        1. No Wavier: Rights and Remedies Cumulative. No failure on the part of
the Bank to exercise, and no delay in exercising any right hereunder shall
operate as a waiver thereof; nor shall any single or partial exercise by the
Bank of any right hereunder preclude any other or further exercise thereof or
the exercise of any other right. The rights and remedies herein provided are
cumulative and not exclusive of any remedies or rights provided by law or by any
other agreement between the Borrower and the Bank.

        2. Costs and Expenses. The Borrower shall reimburse the Bank for all
costs and expenses incurred by it and shall pay the reasonable fees and
disbursements of counsel to the Bank in connection with the enforcement of the
Bank's rights hereunder.

        3. Amendments. No amendment, modification or waiver of any provision of
this Note nor consent to any departure by the Borrower therefrom shall be
effective unless the same shall be in writing and signed by the Bank and then
such waiver or consent shall be effective only in the specific instance and for
the specific purpose for which given.

        4. Construction. This Note shall be governed by the laws of the State of
New York, without giving effect to its choice of law principles.

        5. Successors and Assigns. This Note shall be binding upon the Borrower
and its successors and assigns, and the terms hereof shall inure to the benefit
of the Bank and its successors and assigns, including subsequent holders hereof.

        6. Severability. The provisions of this Note are severable, and if any
provision shall be held invalid or

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unenforceable in whole or in part in any jurisdiction, then such invalidity or
unenforceability shall not in any manner affect such provision in any other
jurisdiction or any other provision of this Note in any jurisdiction.

        7. Waiver of Notice; Set-off. The Borrower hereby waives presentment,
demand for payment, notice of protest and all other demands in connection with
the delivery, acceptance, performance, default or enforcement of this Note. The
balance of every account of the Borrower with, and each claim of the Borrower
against, the Bank existing from time to time shall be subject to a lien and
subject to be set-off against any and all liabilities of the Borrower to the
Bank, including those hereunder.

        8. WAIVER OF TRIAL BY JURY. THE BORROWER HEREBY WAIVES TRIAL BY JURY IN
ANY LITIGATION IN ANY COURT WITH RESPECT TO, IN CONNECTION WITH OR ARISING OUT
OF THIS NOTE OR ANY AGREEMENT, INSTRUMENT, DOCUMENT OR GUARANTEE DELIVERED
PURSUANT HERETO OR PURSUANT TO THE CREDIT AGREEMENT, OR THE VALIDITY,
PROTECTION, INTERPRETATION, ADMINISTRATION, COLLECTION OR ENFORCEMENT HEREOF OR
THEREOF OR ANY OTHER CLAIM OR DISPUTE HEREUNDER OR THEREUNDER.

        9. JURISDICTION, SERVICE OF PROCESS. THE BORROWER HEREBY IRREVOCABLY
CONSENTS TO THE JURISDICTION OF THE SUPREME COURT OF THE STATE OF NEW YORK FOR
THE COUNTY OF NEW YORK AND THE UNITED STATE DISTRICT FOR THE SOUTHERN DISTRICT
OF NEW YORK IN CONNECTION WITH ANY ACTION OR PROCEEDING ARISING OUT OF OR
RELATING TO THIS NOTE OR ANY DOCUMENT, INSTRUMENT OR GUARANTEE DELIVERED
PURSUANT HERETO OR PURSUANT TO THE AGREEMENT. IN ANY SUCH LITIGATION, THE
BORROWER WAIVES PERSONAL SERVICE OF A SUMMONS, COMPLAINT OR OTHER PROCESS AND
AGREES THAT THE SERVICE THEREOF MAY BE MADE IN ANY OTHER MANNER PERMITTED BY THE
RULES OF EITHER OF SAID COURTS.

                                        COMVERGE TECHNOLOGIES, INC.

                                        By:
                                           ------------------------
                                             Frank Magnotti
                                             President
                                        23 Vreeland Road
                                        Florham Park, New York 07932

                                       3<PAGE>

Exhibit 10.14

                                    AMENDMENT

                                       TO

                                    DVL, INC.

                             1996 STOCK OPTION PLAN

                AMENDMENT (this "Amendment") to the DVL, Inc. 1996 Stock Option
Plan (the "Plan").

                WHEREAS, the Plan was adopted in 1996 by DVL, Inc., a Delaware
corporation (the "Company"), and originally provided for the issuance in the
aggregate of up to 1,500,000 shares of the Company's Common Stock, par value
$.01 per share (the "Common Stock");

                WHEREAS, the Board of Directors adopted, subject to stockholder
approval, and the stockholders of the Company at the Annual Meeting of
Stockholders of the Company held on February 1, 2000, approved, a subsequent
amendment to the Plan to increase the number of shares available under the Plan
by an aggregate of 1,000,000 shares of Common Stock; and

                WHEREAS, all terms and conditions of the Plan, other than as
specifically amended as set forth in this Amendment, shall remain in full force
and effect.

                NOW THEREFORE, the Plan has been amended as follows:

       The first sentence of Section II of the Plan is deleted in its entirety
and the following sentence is inserted in its place:

                "Subject to the adjustments provided in Section VII of the Plan,
       the aggregate number of shares of the Common Stock which may be issued
       for all purposes under the Plan shall be two million five hundred
       thousand (2,500,000) shares."

                IN WITNESS WHEREOF, the Secretary of the Company has executed
this Amendment and certifies that the amendment to the Plan set forth above
accurately reflects the amendment to the Plan adopted by the Board of Directors
and the stockholders of the Company.

                        /s/ Jay Thailer
                        -------------------------
                        Jay Thailer, Secretary<PAGE>

EXHIBIT 10.25

                         Waiver of Event of Default and
               Agreement Regarding the Demand and Payment of Fees

       This Waiver of Event of Default and Agreement Regarding Payment of and
Demand of Fees (this "Agreement") is made by NPO Management LLC ("NPO"), as
follows:

       1. Reference is made to that certain Asset Servicing Agreement dated as
of March 27, 1996 (the "Servicing Agreement") by and among DVL, Inc. ("DVL"),
Professional Service Corporation ("PSC"), KM Realty Corporation ("KMR") and NPO.
DVL, PSC and KMR are sometimes collectively referred to herein as the
"Companies". Capitalized terms which are not otherwise defined herein shall have
the meanings assigned to them in the Servicing Agreement.

       2. Section 9 of the Servicing Agreement imposes limitations on the amount
of Servicing Fees (excluding any accrued and unpaid interest thereon) which may
be deferred by DVL (the "Limitations"). NPO acknowledges that the amount of
deferred Servicing Fees has exceeded the operative Limitation since mid-1997.
Furthermore, DVL has advised NPO that, the amount of deferred Servicing Fees may
continue, through December 31, 2000, to exceed the Limitations which are
currently operative, or which are scheduled to become operative. The deferral of
Servicing Fees in excess of the Limitations constitutes an Event of Default
under Section 15(a)(ii)(b). The Companies have requested that NPO waive this
Event of Default, defer the payment of the Servicing Fee and loan to or pay on
behalf of DVL certain obligations of DVL, in order to accommodate DVL in its
continuing efforts to improve its financial situation. Therefore, for the sum of
$3,500 and other valuable consideration, the receipt and sufficiency of which is
hereby acknowledged, NPO consents and agrees to the following:

                (a) NPO hereby waives any Event of Default which may have
existed under Section 15(a)(ii)(b) of the Servicing Agreement during the period
from January 1, 2000 to the dates of this Agreement, and which may exist under
said Section 15(a)(ii)(b) during the period from the date hereof through
December 31, 2000, solely by virtue of the deferral of any Servicing Fees in
excess of the Limitations.

                (b) NPO hereby agrees that it will not demand payment by DVL of
any Servicing Fees which may be due and owing to NPO as of the date of this
Agreement and/or which NPO may be entitled to receive for the period from the
date of this Agreement through December 31, 2000 until the earlier to occur of
(i) January 1, 2001 or (ii) the time that DVL obtains cash in excess of that
required by DVL in order for it to fund its operations through January 1, 2001.

                (c) Notwithstanding anything to the contrary contained herein,
the terms of this Agreement shall not affect any other rights of NPO under the
Servicing Agreement, or under any other agreement it has with DVL, including but
not limited to the right to receive payment of all deferred Servicing Fees, and
interest thereon computed pursuant to Section 9(a) of the Servicing Agreement,
which are currently outstanding or which may become outstanding during the
period from the date hereof through December 31, 2000.

       3. This Agreement by NPO, may be signed in counterpart. All such executed
counterparts taken together shall be deemed an original.

       IN WITNESS WHEREOF, the undersigned has executed this Waiver on the
21st day of March, 2000.

                                    NPO MANAGEMENT LLC

                                    By:  Pembroke Companies, Inc., its member

                                    By: /s/ Lawrence J. Cohen
                                       -----------------------------------------
                                            Lawrence J. Cohen, President

                                    By:  Omni Partnership Capital I, Inc., its
                                         Member

                                    By: /s/ Jay Chazanoff
                                       -----------------------------------------
                                                    Jay Chazanoff

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