Document:

EXHIBIT 10.4

                           CONVERTIBLE PROMISSORY NOTE

THIS SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "ACT"), OR ANY STATE SECURITIES OR "BLU SKY" LAWS, AND MAY NOT BE
OFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, OR OTHERWISE DISPOSED OF UNLESS
REGISTERED PURSUANT TO THE PROVISIONS OR SUCH ACT AND BLUE SKY LAWS OR AN
EXEMPTION THEREFROM IS AVAILABLE AS ESTABLISHED BY A WRITTEN OPINION OF COUNSEL
ACCEPTABLE TO THE MAKER.

                               DELTA MUTUAL, INC.

$250,000                                          Date:         27 November 2001
                                                                ----------------

FOR VALUE RECEIVED, the undersigned, Delta Mutual, Inc., a Delaware corporation
(the "Maker") herby promises to pay to the order to Rosanne Solomon, (the
"Payee"), the principal sum of Two Hundred Fifty Thousand and 00/100 Dollars
($250,000), plus interest at a rate of ten percent (10%) per annum. All interest
accrued on the outstanding principal balance of this Promissory Note shall be
due and payable as provided below.

The Maker herby agrees to pay the entire amount due hereunder, including
principal and interest, on or before 31 December, 2002 ("Maturity Date"), on
which date all unpaid principal and interest due hereunder shall be paid in
full. All payments shall be applied first to interest on the unpaid balance and
the remainder to principal. Maker may pay the entire amount due; including
interest accrued up to the date of payments at any time without penalty.

Interest hereon shall be calculated on the basis of a 360-day year prior to the
actual number of days elapsed until all accrued and unpaid interest is paid in
full. All payments of principal and interest hereunder shall be payable in
lawful currency of the United States.

This Promissory Note is given in consideration of a loan by Payee to Maker in
the principal amount of the Promissory Note. This Promissory Note may not be
changed orally, but only by an agreement in writing signed by the parties
against whom enforcement of any waiver, change, modification or discharge is
sought.

REPRESENTATION OF PAYEE

Payee represents and warrants that it is taking this Promissory Note for
investment and not with a view to the distribution or resale thereof and further
that Payee is familiar with, and has carefully reviewed the filings of Maker
with the Securities and Exchange Commission (the "Commission") under the
Securities Exchange Act of 1934, as amended, including, without limitation,
Maker's Form Preliminary Information Statement 14C, filed with the Commission on
November 9, 2001 and the Maker's Form 10-QSB for the period ended September 30,
2001, filed with the Commission on November 9, 2001.

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                        OPTION TO CONVERT PROMISSORY NOTE

(a)  At any time prior to the Maturity Date or prior to payment in full by the
     Maker, Payee shall have the option to convert the unpaid principal balance
     of this Promissory Note, together with all accrued interest, into that
     number of shares of common stock (the "Share') of the Maker (the
     "Conversion Option") at the then current market price per common share; or

(b)  At any time prior to the Maturity Date and prior to any payment by the
     Maker, the Payee and the Maker shall each have the option to exchange (the
     "Exchange Option") the full unpaid principal balance of this Promissory
     Note, together with the accrued interest, for that certain Promissory Note
     dated May 31, 2000 between Enterprises Solutions, Inc. and John A. Solomon
     (the "May 31, 2000 Note") and the pledged securities under that note shall
     also be surrendered to the Payee. This Exchange Option shall be exercisable
     only if Payee becomes the holder of the May 31, 2000 Note. Payee will give
     Maker written notice of its acquisition of the note and Payee and Maker may
     each thereafter exercise this Exchange Option upon thirty (30) days prior
     written notice to the other party. In order to exercise this Exchange
     Option, Payee shall surrender this Promissory Note to the Maker in exchange
     for the May 31, 2000 Note;

(c)  In order to exercise this Conversion Option, the Payee shall surrender this
     Promissory Note to the Maker, accompanied by written notice of its
     intentions to exercise this Conversion Option, which notice shall set forth
     the principal amount of this Promissory Note to be converted ("Notice of
     Conversion"). Within ten (10) business days of Maker's receipt of the
     Notice of Conversion and this Promissory Note, the Maker shall deliver or
     cause to be delivered to the Payee, written confirmation that the Shares
     have been issued in the name of the Payee;

(d)  In the event of the exercise of the Conversion Option, Payee shall
     cooperate with Maker to promptly take any and all additional actions
     required to make Payee a stockholder of the Maker including, without
     limitation, in connection with the issuance of the Shares, such
     representations as to financial condition, investment intent and
     sophisticated investor status as are reasonably required by counsel for
     Maker. Payee recognizes that the Shares issued upon conversion of this
     Promissory Note will constitute "restricted securities" under Rule 144,
     promulgated by the Commission under the Securities Act of 1933, as amended,
     and the resale of which will be subject to the limitations of that Rule.

(e)  The Maker shall at all times take any and all additional actions as are
     necessary to maintain the required authority to issue the Shares to the
     Payee, in the event the Payee exercises its rights under the Conversion
     Option.

(f)  Payment to Maker prior to Payee's delivery of a Notice of Conversion shall
     terminate Payee's option to convert.

MAKER:                                     PAYEE:

By: /s/ Kenneth A. Martin                  By: /s/ Rosanne C. Solomon
    ______________________________             ________________________________
    Kenneth A. Martin                          Rosanne C. Solomon
    Its:   President & CEOEXHIBIT 10.5

                                    AGREEMENT

         This License Agreement ("Agreement"), effective this 1st day of October
2001 by and between Enterprises Solutions, Inc., a Nevada company with its
principle place of business at 140 Wood Road - Suite 200 Braintree, MA 02184
("ESI"), and Delta Mutual, Inc., ("DLTM") with its principal place of business
at 1730 Rhode Island Ave., N.W., Washington, D.C., 20036, Suite 812.

                                    RECITALS

         WHEREAS, ESI has developed technology consisting of hardware and
software intellectual property and products that provide secure network
appliances and security solutions encompassing both server and client; and

         WHEREAS, DLTM and ESI have been in negotiations toward a merger,
whereby DLTM will purchase all of the assets of ESI, including all of ESI's
intellectual property, which merger is in the process of being finalized and
approval sought by the U.S. Securities and Exchange Commission; and

         WHEREAS, ESI and DLTM agree that it is in the best interests of both
companies to enter into an agreement whereby DLTM receives an exclusive license
to make, use, and sell the technology and products owned by ESI; and

         WHEREAS, the parties hereby acknowledge and agree that the
consideration for this license, in addition to the royalties to be paid as
described more fully below, includes the following: DLTM has provided loans and
funds to permit ESI to continue its operations until the completion of the
merger; DLTM has undertaken the time and expense to further develop products
related to the business of ESI in the interests of and in furtherance of the
merger; and there has been a precipitous decline in the market value of ESI's
common stock;

         NOW, THEREFORE, for the consideration stated herein, the sufficiency of
which is hereby acknowledged, the parties mutually agree as follows:

1.       DEFINITIONS:

         a. "ESI Product" shall mean ESI's High Assurance Networking Systems
         product solutions. A description of the functionality of this product
         is attached hereto as Exhibit 1(b), and is incorporated herein by
         reference.

2.       LICENSE:

a.       WORLD-WIDE EXCLUSIVE LICENSE TO DLTM:

AGREEMENT
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                  i. TECHNOLOGY: ESI hereby grants DLTM a worldwide, exclusive
         fully paid-up license to use, copy, decompile, disassemble, decompress,
         reverse engineer, and otherwise modify for its own use at its sole
         discretion, including incorporation into other hardware, source code or
         object code and software products, the following: all source code for
         all evaluated and current versions of ESI's Products; all tools,
         utilities, fixtures, and evaluation evidence previously or currently
         used by ESI or DLTM to maintain, support, evaluate or have evaluated
         the Products; all hardware associated with the Products; and all
         detailed documentation in conjunction with the source code, object
         code, tools, utilities, fixtures, and evaluation evidence. For the sake
         of clarity, it is the parties' intention that DLTM, through use of the
         license granted herein, will be able to reproduce working evaluated
         products, including evaluation evidence, and have the ability to
         reproduce and perform the evaluation conformance tests. DLTM shall have
         the rights to use the source code and all support documentation as an
         Original Equipment Manufacturer ("OEM") to the extent necessary for
         DLTM to develop derivative software that will operate as specific DLTM
         client products and server appliances as part of the ESI high assurance
         network architecture.

3.       ADDITIONAL CONSIDERATION:

         In consideration of the exclusive license granted herein by ESI to
         DLTM, DLTM agrees to pay ESI royalties as follows:

                  DLTM shall pay ESI a royalty equal to 7% of its gross sales
                  revenue generated by its sale of ESI software products;

                  DLTM shall pay ESI a royalty equal to 3% of its gross revenue
                  generated from its sale of ESI hardware products.

         Upon completion of the merger between ESI and DLTM, DLTM shall become
         the owner of the licenses technology and hardware and software
         products, and shall have no continuing obligation to make any further
         royalty payments to ESI.

4.       TERM AND TERMINATION:

         a. EFFECTIVE DATE. This Agreement and the license granted hereunder
         shall take effect upon the date set forth above and shall continue for
         a period of three years. At DLTM's option, DLTM may continue this
         license for an additional two year period by providing written notice
         to ESI not later than sixty days prior to the expiration date of this
         license.

         b. TERMINATION. Absent a material breach of this agreement, neither
         party may terminate this agreement except by the mutual written consent
         of both parties. DLTM may, at its option, terminate this Agreement in
         the event ESI (A) terminates or suspends its business, (B) becomes
         subject to any bankruptcy or insolvency proceeding under Federal or
         state statute, (C) becomes insolvent or subject to direct control by a
         trustee, receiver or similar authority, or (D) has wound up or
         liquidated, voluntarily or otherwise.

AGREEMENT
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5.       OWNERSHIP

         a. TITLE. The Parties agree that pending completion of the asset
         purchase agreement between ESI and DLTM, ESI, as licensor, shall own
         all proprietary rights to its hardware and software products, including
         all patent, copyright, trade secret, trademark and other proprietary
         rights in and to its respective products. Any corrections, bug fixes,
         enhancements, updates or other modifications, including custom
         modifications to the Software, made and/or paid for by the DLTM as
         licensee, shall be owned by DLTM. DLTM shall retain ownership to any
         and all derivative products developed at its expense.

6.       INDEMNIFICATION

         Each party shall indemnify and hold harmless the other party from and
         against any claims, including reasonable legal fees and expenses, based
         upon infringement of any United States copyright or patent by the
         respective party's products. The respective licensee agrees to notify
         the respective licensor of any such claim promptly in writing and to
         allow that licensor to control the proceedings. The respective licensee
         agrees to cooperate fully with the licensor during such proceedings.
         Licensor shall defend and settle at its sole expense all proceedings
         arising out of the foregoing. In the event of such infringement,
         Licensor may replace, in whole or in part, the infringing product or
         products with a substantially compatible and functionally equivalent
         computer program or modify the product to avoid the infringement.

7.       FORCE MAJEURE

         Neither party shall be in default or otherwise liable for any delay in
         or failure of its performance under this Agreement if such delay or
         failure arises by any reason beyond its reasonable control, including
         any act of God, any acts of the common enemy, the elements,
         earthquakes, floods, fires, epidemics, riots, failures or delay in
         transportation or communications, or any act or failure to act by the
         other party or such other party's employees, agents or contractors;
         provided, however, that lack of funds shall not be deemed to be a
         reason beyond a party's reasonable control. The parties will promptly
         inform and consult with each other as to any of the above causes, which
         in their judgment may or could be the cause of a delay in the
         performance of this Agreement.

8.       PRESS RELEASES

         Either party to this agreement may issue general press releases to the
         public concerning this agreement without the consent of the other
         party. All press releases will be in conformity with the conditions as
         specified in paragraph 6 above.

9.       NOTICES

         All notices under this Agreement are to be delivered by (i) depositing
         the notice in the mail, using registered mail, return receipt
         requested, addressed to the address below or to any other address as
         the party may designate by providing notice, (ii) telecopying the

AGREEMENT
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         notice by using the telephone number set forth below or any other
         telephone number as the party may designate by providing notice, (iii)
         overnight delivery service addressed to the address below or to any
         other address as the party may designate by providing notice, or (iv)
         hand delivery to the individual designated below or to any other
         individual as the party may designate by providing notice. The notice
         shall be deemed delivered (i) if by registered mail, four (4) days
         after the notice's deposit in the mail, (ii) if by telecopy, on the
         date the notice is delivered, (iii) if by overnight delivery service,
         on the day of delivery, and (iv) if by hand delivery, on the date of
         hand delivery.

         ESI:              Attention:  Alfred Saker
                           Enterprises Solutions, Inc.
                           140 Wood Road
                           Braintree, MA 02184
                           Attention: Al Saker

                           Telecopy No.: 781-356-4417

         DLTM:             Attention: Kenneth A. Martin
                           Delta Mutual, Inc.
                           Suite 812
                           1730 Rhode Island Ave., N.W.
                           Washington, D.C. 20036

                           Telecopy No.: 202-408-7554

10.      GENERAL PROVISIONS

         a. COMPLETE AGREEMENT. The parties agree that this Agreement is the
         complete and exclusive statement of the agreement between the parties,
         which supersedes and merges all prior proposals, understandings and all
         other agreements, oral or written, between the parties relating to this
         Agreement.

         b. AMENDMENT. This Agreement may not be modified, altered or amended
         except by written instrument duly executed by both parties.

         c. WAIVER. The waiver or failure of either party to exercise in any
         respect any right provided for in this Agreement shall not be deemed a
         waiver of any further right under this Agreement.

         d. SEVERABILITY. If any provision of this Agreement is invalid, illegal
         or unenforceable under any applicable statute or rule of law, it is to
         that extent to be deemed omitted. The remainder of the Agreement shall
         be valid and enforceable to the maximum extent possible.

AGREEMENT
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         e. GOVERNING LAW. This Agreement and performance hereunder shall be
         governed by the laws of the Commonwealth of Massachusetts.

         f. READ AND UNDERSTOOD. Each party acknowledges that it has read and
         understands this Agreement and agrees to be bound by its terms.

AGREED:

ENTERPRISES SOLUTIONS, INC.:

----------------------------
Al Saker
140 Wood Road
Braintree, MA  02184

----------------------------
Date

Delta Mutual

----------------------------
Kenneth A. Martin
President Delta Mutual, Inc.

----------------------------
Date

AGREEMENT
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                                  EXHIBIT 1(a)

                                [TO BE PROVIDED]

AGREEMENT
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<PAGE>

                                  EXHIBIT 1(b)

                                 TO BE PROVIDED

AGREEMENT
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